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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) — President Donald Trump’s campaign says six staff members setting up for his Saturday night rally in Tulsa, Oklahoma, have tested positive for coronavirus.The campaign’s communications director, Tim Murtaugh, says that “quarantine procedures” have been initiated and no staff members who tested positive will attend the event. He says no one who had immediate contact with those staffers will attend, either. Murtaugh says campaign staff members are tested for COVID-19 as part of the campaign’s safety protocols. Campaign officials say everyone who is attending the rally will be given temperature checks before they pass through security. 665

WASHINGTON, D.C. — Unlike in many parts of the world, Election Day in America isn’t a day most people get off from work or school, and it’s not for a lack of trying in the past.“There've been several efforts to make it a holiday, at least for the five previous Congresses, including this one,” said Matthew Weil, who runs The Elections Project at the Bipartisan Policy Center.Those proposed bills to make Election Day a federal holiday have gone nowhere though.Coincidentally, America also has one of the lowest voter participation rates in the developed world, which was about 56 percent in 2016.Over the years, though, some states have made it a state or civic holiday, most recently this year in Illinois and Virginia. In California, state law requires employers to give employees at least two paid hours to vote on Election Day. However, that’s not the case in most places.Weil said whether or not employers need to give you time to vote on Election Day, varies state by state.“In states that don't have robust voting by mail options, or early voting options, Election Day being the only option isn't good,” Weil said. “The good news is the trend has been toward expanding options over the past 10 years.”Those options include early voting, which millions of voters have already done in the 2020 election, including Kevin Jackson in Ohio.“Don’t just wait. Plan your vote,” Jackson said. “Get down here and get it done.”The key to moving forward, experts say, is for all states to offer as many opportunities to vote as possible. Those changes could spread even more now because of the coronavirus pandemic.“I think it's got to be something that we're just not going back to how we used to vote,” said Weil. “I think that this will accelerate changes going forward.”Recently, some high-profile employers like Coca-Cola and Twitter, as well as universities like Brown and American, have decided to give Election Day off to their employees and students, not just so they can vote, but to also encourage them to volunteer as poll workers. 2046

WASHINGTON, D.C. -- Michelle Obama is going after President Donald Trump in a scathing new video that accuses him of “willful mismanagement” of the coronavirus crisis and of racism. She calls on Black and all young voters not to “waste” their votes.In the video, released Tuesday by Joe Biden’s campaign, Mrs. Obama notes that more Americans have died from COVID-19 than died in the Iraq, Afghanistan, Vietnam and Korean wars combined. She charges that with respect to the virus, “our commander in chief, sadly, has been missing in action.”The former first lady accuses Trump of being “racist” when he and other Republicans are “lying about how minorities will destroy the suburbs,” which she says is meant to “distract from his breathtaking failures.”She also calls on undecided voters “to think about all those folks like me and my ancestors” and have some empathy for what it’s like “to walk around your own country scared that someone’s unjustified fear of you could put you in harm’s way.”And to Black and brown voters, and all young voters, who are considering sitting out the election, Mrs. Obama urges them to make a plan to vote, because “we don’t have the luxury to assume that things are going to turn out okay.”You can watch the video below: 1262

WASHINGTON (AP) — U.S. intelligence officials believe that Russia is using a variety of measures to denigrate Democratic presidential candidate Joe Biden ahead of the November election and that individuals linked to the Kremlin are boosting President Donald Trump’s reelection bid. That's according to a rare public statement Friday from the country's counterintelligence chief, William Evanina. The statement also says that U.S. officials assess that China prefers that Trump not win a second term and that Beijing has accelerated its criticism of the president and its efforts to shape American opinion and public policy.Evanina's statement also links Moscow’s disapproval of Biden to his role in shaping Obama administration policies supporting Ukraine, an important U.S. ally, and opposing Russian leader Vladimir Putin. That assertion conflicts with the narrative advanced by Trump, who has made unsubstantiated claims that Biden’s actions in Ukraine were intended to help the business interests of his son, Hunter. 1028