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WASHINGTON, D.C. -- For weeks now, protests have touched every part of America, drawing people out of their homes and into the national debate over police reform and racial inequality.“Hands up – don’t shoot! Hands up – don’t shoot!” could be heard from protesters at a recent gathering in Ville Platte, Louisiana.Yet, while free speech is a part of the First Amendment, it doesn’t extend as far as you might think.One example: your job.“Those protections are nuanced,” said Mark Gaston Pearce, who is with Georgetown Law’s Workers Rights Institute and is a former chairman of the National Labor Relations Board under President Obama. “People are under the false impression that a private sector employment relationship affords you all of the rights that are guaranteed to you by the constitution – but it does not.”In other words, an employer, in a state where employment is “at will,” could potentially fire someone for attending or participating in a protest.“Provided, of course, that it’s non-discriminatory,” Pearce said.There are a few exceptions. Federal and state employees are protected because they work for the government. Unions also have some protections. Also, four states: New York, North Dakota, Colorado and California have specific laws protecting employees’ free speech rights.“But that’s four states in a 50-state country,” Pearce said.There are efforts underway in Congress that could expand free speech protections for employees under the “PRO Act.” It passed the House in February and is now in the Senate.“If labor law is reformed, then that would bring those kinds of protections to the public,” Pearce said.Until then, he added that an employee’s best defense may be found in their employer’s own words.“Oftentimes, a lot of that lies in the employee handbook and the publications they make you sign to prove that you read it – and most employees don’t read it,” Pearce said. “They need to know all of that stuff.”Because even in America, free speech doesn’t necessarily apply everywhere, all the time. 2037

WASHINGTON D.C. -- In several Easter morning tweets, President Donald Trump said there will be no more DACA deal and threatened NAFTA, citing border security as a reason for both. Trump also once again threatened to end the filibuster saying, "Republicans must go to Nuclear Option to pass tough laws NOW. NO MORE DACA DEAL!" 348

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, D.C. — To hear artist Harvey Pratt describe the new memorial in the National Mall is to understand just how much it means to him and others.“Almost all tribes use sacred fire and water and they use the earth and air,” he said. “I thought, ‘you know, that’s what I’ll use – those elements.'”Pratt designed the newest memorial in Washington, D.C. – the National Native American Veterans Memorial. He faced an enormous task.“I thought, ‘How do you connect 573 federally-recognized tribes, plus the state-recognized tribes – without being specific to a certain tribe or region?’” he said.Nestled beside the Smithsonian’s National Museum of the American Indian, it is a place meant for reflection and remembrance.“Native people, tribal people, have always respected their veterans,” Pratt said. “Almost every tribe has a memorial to their veterans.”Yet, there’s never been a national one in such a prominent place until now.“We held 35 consultations across the country and met with about 1,200 people because we really wanted to get a sense of what they wanted to see in the memorial, what the experience of visiting it should be,” said The Smithsonian’s Rebecca Trautmann, who is the memorial’s curator.Congress first authorized its construction in 1994. However, money needed to be raised in order to make it happen; the construction was funded by private donations.“Native people have been serving in great numbers and with great dedication from the time of the Revolutionary War, up to the present,” Trautmann said, “and they continue to serve in in large numbers.”That includes Harvey Pratt, who is a Cheyenne-Arapaho, a Cheyenne Peace Chief and a veteran who served in Vietnam.“I just want people to know – we’re still here. Native people are still here and when Native people come to the memorial and do their ceremonies, that we’re going to educate non-Native people,” Pratt said. “They’ll see us doing things, they’ll ask questions and they’ll come to know us a little better.”The memorial is now providing a new way for others to get to know a group of American veterans, who now have a place where their sacrifice is recognized. 2154

WASHINGTON (AP) — The two most senior officials in the U.S. Department of Homeland Security were improperly appointed to the posts under federal law by the Trump administration, a nonpartisan congressional watchdog said Friday.The Government Accountability Office says acting DHS Secretary Chad Wolf and acting deputy Ken Cuccinelli are ineligible to run the agency under the Vacancy Reform Act. The GAO says it has asked the DHS inspector general to review their status and decide whether the apparent violation of the Vacancy Reform Act has any effect on actions they took while holding the post. The report does not carry the force of law, though it could be a factor in lawsuits challenging administration policies or influence members of Congress.For its part, DHS rejected the finding.“We wholeheartedly disagree with the GAO’s baseless report and plan to issue a formal response to this shortly,” the agency said in a written response to The Associated Press.Democrats in Congress called on Wolf to resign. 1021