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We're all looking forward to the return of live in-person music events. However, some artists and people behind-the-scenes don't want the industry to return to how things were before the pandemic. They want to put a new focus on making the stage more inclusive."We're now in the year 2020. I think people have had enough," said Jerome Crooks with Never Famous. Noelle Scaggs with Diversify the Stage agrees. "I've hit my wits end with being the only one. Being the only one on a stage that looks like me, reflects my skin tone."The message that things have to change is growing louder since the death of George Floyd earlier this year. "The music business can't have an effect on society until we've held ourselves accountable," said Binta Niambi Brown with the Black Music Action Coalition. "For those of us who have long desired to advance issues of equity and justice, it (Floyd's death) created this undeniable moment and we felt like we needed to seize it."Brown is a music executive who recently co-founded the Black Music Action Coalition. She says when we look at music labels and publishers, there are few people of color in senior positions. "The reality is that when we improve anything for a Black person or for Black artists, Black executives, we're improving the model for everyone," said Brown.Noelle Scaggs, with the group Fitz and the Tantrums, is focused on having better pipelines to get young minorities into the live music and touring industry through her organization Diversify the Stage. "I think it's just really about widening the net of opportunity and recruitment and really kind of being considerate of your surroundings and I think we, as artists, we do have a responsibility to participate in this work," Scaggs said.Scaggs teamed up with the tour manager behind Never Famous, Jerome Crooks, to expand a resource where touring professionals can market themselves."The promoters and the vendors they have to listen, you know, and they have to want to be better," said Crooks.Live Nation Urban created a Black Tour Directory which lists hundreds of qualified Black professionals in the music industry. The effort is getting noticed, they landed on the cover of a magazine this month."As a Black man in this industry, I just want to move forward. I want to look forward and I want to bring people under my wing and bring them up," Crooks said. Scaggs added, "I would love for an organization like Diversify the Stage to not have to exist anymore. That is really the ultimate goal."It's a start to living up to the promises of inclusivity, an issue they say we can't ignore anymore. 2617

We’re all feeling effects of the current recession, whether it’s the rising cost of groceries or the pervasive economic uncertainty. But some are feeling a bigger impact than others, and data indicates renters are disproportionately affected.Half (50%) of American renters had used or planned to use their government stimulus check for necessities at the time of an early May NerdWallet survey, conducted online by The Harris Poll. That’s compared with 32% of homeowners. Three in 10 renters (30%) used or planned to use it to pay rent, whereas 15% of homeowners used or planned to use it on their mortgage.Renters are vulnerable when expenses grow or income is slashed, due to lower average incomes compared with homeowners. Further, they don’t have access to the same built-in relief valves as mortgage-holders — such as forbearance or loan modification — when they can’t pay their monthly housing costs.Federal, state and local eviction bans protected some renters for several months, but many of those orders have since expired, and possible extensions are uncertain. Without those protections, many tenants could be on a fast track to trouble, and even with those safety nets in place, the rent bill will eventually come due.Housing costs take a bigger bite of renter incomeRenters have less insulation from economic crises. Not only do they earn less, on average, but they also spend more of their income on housing. While a loss or reduction of income could instantly push these households to the breaking point, even minor setbacks can send them closer to the edge.Renters spend 31% of their income on housing costs on average, compared with homeowners, who spend 20%, according to U.S. census data. The rising cost of groceries, unexpected medical bills, supplies for a child’s at-home education — these could pile up to make monthly bills unmanageable, even if household income isn’t affected by reduced work hours or unemployment.This isn’t to say homeowners aren’t feeling the effects of record unemployment and economic upheaval. While many homeowners have been able to take advantage of record low interest rates to refinance their mortgages, more than 8 million homeowners didn’t make their June house payments, according to the mid-July Household Pulse Survey from the U.S. Census. But that’s just 6% of homeowners, compared with 18% of renters who couldn’t pay their June rent.There is also evidence that populations hardest hit by unemployment are among the most likely to rent. For example, people in their 20s are the only age decade that’s more likely to rent than own, according to census data, and 34% of unemployment claims are being filed by those aged 22-34, more than any other age group, according to data from the Department of Labor. Also, 49% of people working in the hotel and food industry live in rentals — a far higher rate than the 36% of Americans overall — and this industry represents the greatest share of all unemployment claims.Web searches for rent relief terms peaked, and peaked againEvidence of the sustained impact on renters can be seen in Google search data, where it’s a safe assumption that people searching for terms such as “rent relief” and “rent assistance” are either experiencing or anticipating difficulties paying the rent.In mid-March, searches for terms related to housing relief jumped to levels not seen before. And while “mortgage relief” was far more common than “rent relief” or “rent assistance” that month, those terms have sustained greater search interest throughout the summer.Unlike mortgage relief terms, which have waned since April, rent relief terms sustained higher-than-normal volume after the initial jump, and peaked again in mid-July. They’re currently trending lower than both peaks, but higher still than seen in the years before the pandemic.What renters can doTenants having difficulty paying the rent have a few options at their disposal, but they may have to make tough decisions in the coming weeks and months. A legal eviction can make it difficult to find safe, affordable housing in the future, so preventing that should be paramount.Negotiate with your landlord. You may be able to work out an installment plan to pay your rent throughout the month or get caught up if you’re behind. Also, legal evictions are costly and time-consuming, so your landlord may be willing to negotiate a more graceful exit if you’re bound by a lease but unable to hold up your end of the contract.Apply for emergency assistance. The National Low Income Housing Coalition provides a database of local and state resources for emergency rent assistance. Local charities and churches may also be able to help. Visiting the website 211.org or calling 211 can help locate local resources like these.Borrow smartly. If you’re forced to borrow to keep up with your rent, weigh the costs of any loan — if you’re unable to pay it back, you could find yourself in an even worse predicament. Borrowing from friends and family is generally the least expensive option, followed by paying your rent with your credit card and, as a last resort, getting a cash advance on your credit card.Know if you’re protected from eviction. Many eviction bans at the local, state and federal levels have expired, but some remain, and lawmakers could take action to extend previous measures or enact new ones. Nolo.com maintains a database of the mixed bag of regulations, and you can check state and local government websites for details in your area.Move. Moving can be expensive and is generally a last resort. But when it gets to a point that holding on to your rental is causing more problems than it’s solving, it may be time to talk to family members and friends about finding an alternative. Living in your parent’s (or adult child’s) guest bedroom may not be ideal, but drastic times call for drastic measures, and many of us are facing circumstances we couldn’t have imagined just six months ago.Analysis methodology available in the original article, published at NerdWallet.More From NerdWalletSmart Money Podcast: Lower Mortgage Rates, and Moving During a PandemicMoving Safely in a Pandemic Takes More Planning, More MoneyCan You Have Too Much Credit?Elizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 6318

WASHINGTON (AP) — The standoff over President Donald Trump's billion wall funds deepened Monday, threatening a partial government shutdown in a standoff that has become increasingly common in Washington.It wasn't always like this, with Congress and the White House at a crisis over government funding. The House and Senate used to pass annual appropriation bills, and the president signed them into law. But in recent years the shutdown scenario has become so routine that it raises the question: Have shutdowns as a negotiating tool lost their punch?Monday brought few signs of progress. A partial shutdown that could occur at midnight Friday risks disrupting government operations and leaving hundreds of thousands of federal employees furloughed or working without pay over the holiday season. Costs would be likely in the billions of dollars.Trump was meeting with his team and getting regular updates, said White House spokeswoman Sarah Huckabee Sanders. Trump was also tweeting Monday to keep up the pressure.The president is insisting on billion for the wall along the southern border with Mexico, but he does not have the votes from the Republican-led Congress to support it. Democrats are offering to continue funding at current levels, .3 billion.It's unclear how many House Republicans, with just a few weeks left in the majority before relinquishing power to House Democrats, will even show up mid-week for possible votes. Many say it's up to Trump and Democrats to cut a deal.Senate Minority Leader Mitch McConnell opened the chamber Monday hoping for a "bipartisan collaborative spirit" that would enable Congress to finish its work."We need to make a substantial investment in the integrity of our border," McConnell said. "And we need to close out the year's appropriation process."Meanwhile more than 800,000 government workers are preparing for the uncertainty ahead.The dispute could affect nine of 15 Cabinet-level departments and dozens of agencies, including the departments of Homeland Security, Transportation, Interior, Agriculture, State and Justice, as well as national parks and forests.About half the workers would be forced to continue working without immediate pay. Others would be sent home. Congress often approves their pay retroactively, even if they were ordered to stay home."Our members are asking how they are supposed to pay for rent, food, and gas if they are required to work without a paycheck," said a statement from J. David Cox, Sr., president of the American Federation of Government Employees, the large federal worker union. "The holiday season makes these inquiries especially heart-wrenching."Many agencies, including the Pentagon and the departments of Veterans Affairs and Health and Human Services, are already funded for the year and will continue to operate as usual, regardless of whether Congress and the president reach agreement this week.Congress already approved funding this year for about 75 percent of the government's discretionary account for the budget year that began Oct. 1.The U.S. Postal Service, busy delivering packages for the holiday season, wouldn't be affected by any government shutdown because it's an independent agency.Trump said last week he would be "proud" to have a shutdown to get Congress to approve a billion down payment to fulfill his campaign promise to build a border wall.During his 2016 presidential campaign, Trump promised that Mexico would pay for the wall. Mexico has refused.Democratic leaders Chuck Schumer and Nancy Pelosi, in a meeting last week at the White House, suggested keeping funding at its current level, .3 billion. Trump had neither accepted nor rejected the Democrats' offer, telling them he would take a look."He is not going to get the wall in any form," Schumer said Sunday on NBC's "Meet the Press." He said Republicans should join in the Democrats' offer. "Then, if the president wants to debate the wall next year, he can. I don't think he'll get it. But he shouldn't use innocent workers as hostage for his temper tantrum."One option for lawmaker would be to provide stopgap funding for a few weeks, until the new Congress convenes Jan. 3, when Pelosi is poised to become House speaker.Wyoming Sen. John Barrasso, who is in line to become the No. 3 Republican in the Senate, said suggested a stopgap bill could be one way to resolve the issue or a longer-term bill that includes money for border security. 4448

We tend to go to thrift stores to find good deals and to save money.  But have you ever thought about making money at a thrift store instead?The idea is to buy items that you can resell at a higher price online.Ecommerce expert Glen Zubia buys and sells items for a living on sites like eBay and makes up to ,000 a month.So what are the things to look for?  “First probably go electronics; electronics people buy DVD/VHS combos, old video games,” said Zubia.When first starting out, he suggests you stick with familiar items.  For example, Zubia suggests items related to pop culture, Disney items, and certain exclusive products tied to sports teams.  "And then of course, vintage always comes back," said Zubia.If you go to a thrift store and see an item you would never buy, just know there is likely someone out there who would.  The key is to do some quick research online to find out what people are wanting and how much they are willing to spend.Zubia points out that just because something is listed on eBay at a certain price, it doesn't necessarily mean it will actually sell for that price.  "But the completed listings will tell us, 'okay this is selling for ,' here it is in my hand for .  Now I have an expectation to make a certain amount of money,” said Zubia.There are other sites besides eBay where you can sell your items like Tradsey, Poshmart and Amazon. Zubia recommends first time eBay sellers build their clientele before pricing items high.“You’re at zero.  A lot of buyers aren’t going to trust you right away. So, it’s always good to start off with stuff you already have, cheaper items, building up your feedback and then you’ll get more customers coming in,” said Zubia.Also, don’t just limit yourself to thrift stores to find these money-making treasures. Try shopping at garage sales, yard sales and swap meets. 1933

WASHINGTON (AP) — President Donald Trump has vetoed the annual defense policy bill.Trump followed through on threats to veto the measure that has broad bipartisan support in Congress and it potentially sets up the first override vote of his presidency.The bill would affirm 3% pay raises for U.S. troops and authorize more than 0 billion in military programs and construction.Trump has offered a series of rationales for vetoing the bill, including his calls for lawmakers to include limits on social media companies he claimed are biased against him.The bill, which was approved earlier this month by overwhelming majorities in both legislative chambers, had enough votes to override Trump’s veto. The House approved the bill by a 335-78 margin, while the Senate approved it 84-13.Part of Trump’s grievance with the act was due to Section 230 not being repealed, which is a code that protects websites and social media companies from litigation for materials published by users. Trump has called on the repeal of Section 230.Trump has aired his frustration at major social media organizations such as Twitter for tagging tweets that contain misinformation.“The Act fails even to make any meaningful changes to Section 230 of the Communications Decency Act, despite bipartisan calls for repealing that provision,” Trump alleges in a letter returning the bill to the House. “Section 230 facilitates the spread of foreign disinformation online, which is a serious threat to our national security and election integrity. It must be repealed.”House Speaker Nancy Pelosi said she is in favor of amending the code, but not repealing it entirely. Pelosi said there is bipartisan support for revising the code.“I don’t like 230, I think it needs to be revised,” Pelosi said. “You cannot repeal it or you will destroy protections for small businesses and entrepreneurs.”Sen. Lindsey Graham, R-SC, a close ally of the president's, said that Trump would approve defense spending and the stimulus package if Congress agreed to repeal Section 230. On Tuesday, Trump said he was not supportive of the stimulus bill passed by overwhelming majorities in the House and Senate earlier this week. The bills would have provided 0 direct payments to most Americans. Trump, however, did not outright say he would veto the pandemic stimulus package. "I hope Speaker Pelosi will agree with President Trump that Big Tech needs to be reined in by winding down Section 230 liability protections," Graham tweeted. "I have reason to believe this combination will lead to President Trump supporting the NDAA and COVID19 omnibus bills." 2620

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