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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

We are deeply saddened by yesterday’s tragic incident, and our hearts go out to the family. We’ve made our Care Team available to assist the family with any resources they need. Out of respect for their privacy, we do not plan to comment further on the incident.No further details were released. The investigation is ongoing. 333

We're about a month from thanksgiving and Dr. Anthony Fauci is warning that we may need to change our plans with COVID-19 cases increasing.His three adult daughters aren't coming home because they're worried about exposing their dad, who's 79 years old.Dr. Syra Madad has been a leader in the response to the coronavirus in New York. She says nationwide we are in the third peak of the virus but still in the first wave. It's the first wave, because cases never went down enough to reach the baseline.“I think everybody, including myself, we are all tired of COVID-19,” said Madad. “We're all tired of constantly socially distancing, wearing a mask, but this is our new normal. This is our reality, and this is what we have to do to not only protect ourselves, but our family, our loved ones and our community.”She says it is possible to see family or friends safely for the holidays, but you have to plan ahead. First, she recommends quarantining for 14 days before you see them.“Testing does not give you a free pass in terms of, OK I’ve tested negative, that means I don't have to quarantine for 14 days. That means I can safely merge my social bubble. That is absolutely not the case,” said Madad.She also says you need to consider if anyone you are visiting is high risk and do your homework about the area you are traveling to. How many cases have there been in a week to two-week period? Also, look at hospital capacity.And you should consider additional precautions once you arrive.“Even if you've merged your social bubble and you've done that 14-day quarantine period, it's just always best to try to limit the risk in terms of contracting and spreading COVID-19, just in case and so things to do on top of that is try to have these activities outdoor as much as possible,” said Madad.The national Home Safe for the Holidays initiative recently launched by the U.S. Public Interest Research Group is calling for more testing.It says governors need to ensure test results are coming back in 48 hours or less to prevent small incidents from becoming outbreaks.Madad says looking at how much testing is being done in the area you're considering traveling to is important in making your decision. 2210

WASHINGTON (AP) — The Supreme Court has ordered lower federal courts in Colorado and New Jersey to reexamine state restrictions on indoor religious services to combat the coronavirus in light of the justices' recent ruling in favor of churches and synagogues in New York.According to NBC News, the judges ruled 6-3 in the case brought by High Plains Harvest Church in Colorado to send back to the lower courts, where the church previously lost.According to the Associated Press, Colorado said it took action and amended a public health order "to remove capacity limits from all houses of worship at all times in response to this Court's recent decisions."In a brief dissent, Justice Elena Kagan wrote that should have settled the issue because "there is no reason to think Colorado will reverse course—and so no reason to think Harvest Church will again face capacity limits."In the New Jersey case, the Supreme Court issued a ruling limiting the state's application of COVID-19 restrictions that apply to religious settings, granting an injunction sought by a Catholic priest at a church in North Caldwell rabbi at a synagogue in Lakewood, NBC News reported.The high court's unsigned decisions Tuesday threw out federal district court rulings that rejected challenges to limits imposed in both states.Last month, the Supreme Court ruled that New York could not enforce certain limits on attendance at churches and synagogues.No justice noted a dissent from the New Jersey decision, the AP reported. 1507

WASHINGTON (AP) — The Supreme Court says an antitrust challenge can go forward to the way the National Football League sells the rights to telecasts of pro football games. The league's 32 teams pool the rights to telecast their games, negotiating packages with the major networks as well as the DirecTV satellite service. The lawsuit was filed by businesses and individuals who say they purchased a package of games from DirecTV. A lower court ruled that the NFL's contract with DirecTV may limit competition in violation of federal law.The arrangement has been in place for more than 25 years. 602

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