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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

WEST CHESTER TWP., Ohio — West Chester Police are investigating a racist letter one family said was mailed to them earlier in the week. The letter, laden with racial slurs and derogatory language, demands the family take down their yard signs supporting President-elect Joe Biden and the Black Lives Matter movement.Mia Harlan said when her husband Brian opened a letter from the mail late last week, his reaction told her it wasn't a typical piece of mail."The way he responded, the way he acted, told me something wasn't right," Harlan said.The Harlans have a Black Lives Matter flag and a Biden campaign sign in their yard; the letter the couple received threatens vandalism if the signs aren't taken down.It states, in part, "if you don't take that s*** down in a hurry, we'll be aiming at your house, your cars and you."Racial slurs and expletives in the letter have been censored.Harlan said she was disgusted and angry, and the couple reported the letter to West Chester Police."Stay away from my family," she said. "Stay away from my property...what else would they do? Will they actually come to our home and try to harm us? Or try to harm our children? Our grandchildren?"The Harlans said they're taking extra precautions to stay safe, but refuse to take down the signs in their yard."My message for them is, if you don't understand what you see when this sign here saying 'Black Lives Matter,' if you don't understand the message here, then this is absolutely the thing that needs to be here," Brian Harland said.Barbara Wilson, spokeswoman for West Chester Township, released the following statement on Monday:"The matter is being taken very seriously by the West Chester Police Department. The letter is very disturbing and is being actively investigated," the statement read. "There are really no further details we can offer at this time."This story was originally published by Josh Bazan on WCPO in Cincinnati. 1934

WASHINGTON, D.C. — Democrats have driven a temporary extension of a popular subsidy program for small businesses through the GOP-controlled Senate.Maryland Democrat Ben Cardin pushed for the extension of the Paycheck Protection Program hours before a deadline for applying for the program, which was created in March and has been modified twice.The measure is not a done deal though. It must also pass the house and be signed by President Donald Trump.If approved by Trump and the House, the new deadline for businesses to apply for PPP loans would be pushed back to Aug. 8.The proposed extension is an unexpected development that comes as spikes in coronavirus cases in many states are causing renewed shutdowns of bars and other businesses.The pressure swayed Republicans controlling the Senate, who have delayed consideration of a fifth coronavirus relief bill and are preparing to go home for a two-week recess.About 4.8 million businesses received a PPP loan, with a total of 9 billion lent out. But as of Tuesday, there was still more than 0 billion left in the pot.As to why that is, the Small Business and Entrepreneurship Council says there's a few reasons, like concerns over how much would actually be forgiven, constantly changing rules, and strict limits to how the money can be used.“Not all businesses are the same. So, you know you've got businesses with high overhead, maybe few on payroll,” said Karen Kerrigan, President and CEO of the SBE Council. “This program really didn't align with their needs.” 1534

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WASHINGTON D.C. — A 17-year-old boy was killed and 20 people were shot, including an off-duty police officer, in Washington D.C. early Sunday morning at a large gathering.The victim was identified as 17-year-old Christopher Brown and police say the off-duty 1st District police officer was shot and is in the hospital fighting for her life.Officers said another 17-year-old was shot and the other victims were all adults and suffered non-life-threatening injuries.The police chief said there were multiple shooters and at least 11 of the 20 people shot were women. “There was some kind of a dispute,” said Police Chief Peter Newsham, with the Metropolitan Police Department. “Multiple weapons were produced,” he told reporters. He said a motive for the shooting wasn’t clear.The chief also said they would be talking to building management about the gathering and officers will be looking at whether more could be done to break up the group.At this time, officers believe the gathering started late Saturday night and shots were fired just after midnight. "Sadly, some people who have no regard for human life, opened fire," said Mayor Muriel Bowser, reiterating that drinking and using marijuana in the street is illegal in D.C., as is having a gathering of this size. This story originally reported by Brandon Ingram on wmar2news.com. 1345