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WASHINGTON (AP) -- The president got what you might call a grassroots display of support at the White House, welcoming an 11-year-old Virginia boy who offered to help cut the lawn.President Donald Trump high-fived Frank Giaccio, who lives in the Washington suburb of Falls Church. The White House says Frank wrote Trump to say he admires the president's business acumen and runs his own neighborhood lawn-care business.Frank was so focused on pushing the lawn mower, he didn't notice Trump had emerged to greet him until the president was next to him in the Rose Garden.Trump says Frank is "the future of the country" and will soon be "very famous."Frank said he wants to be a Navy SEAL, to which Trump exclaimed, "He'll make it." 738

WELLINGTON, New Zealand — New Zealand Prime Minister Jacinda Ardern has become the latest world leader to congratulate President-elect Joe Biden on his election victory, saying she offered to share her nation’s expertise on dealing the coronavirus. New Zealand's response to the pandemic is largely seen as among the world's most succesful. The country of 5 million people has only reported about 2,000 cases of the virus and has only seen five deaths.Ardern was re-elected last month, largely on the back of her administration's successful response.Ardern said the tone of the 20-minute phone call Monday was warm and that Biden spoke very favorably about how New Zealand was handling the pandemic. Ardern said the two also discussed trade issues and climate change, and talked about Biden’s Irish heritage and his fond memories of visiting New Zealand a few years ago. She said she invited him to come visit again. 924

WASHINGTON (AP) — The House Thursday passed a 7 billion defense policy bill that would give the military a 2.6 percent pay hike, the largest in nine years.The bipartisan 351-66 vote sends the measure to the Senate, where a key panel completed a companion measure in a closed-door session on Wednesday.The annual measure sets policies and a budget outline for the Pentagon that are funded by a subsequent appropriations bill that typically follows its parameters fairly closely.The military got a major budget increase under the terms of a bipartisan pact passed earlier this year that the Pentagon's many allies in Washington promise will address shortfalls in military readiness such as pilot training, maintenance of equipment, and procurement of new weapons systems.Readiness issues contributed to a situation in which almost four times as many military service members died in training accidents as opposed to combat. Just this spring, aviation accidents have claimed 25 lives.House Armed Services Committee Chairman Mac Thornberry, R-Texas, said that the measure puts a particular focus on pilot training and retention."The key focus of this bill is restoring readiness to ensure that when our men and women in uniform go out on mission, they have the best equipment, the best training and the best support our nation can provide," Thornberry said.The measure would block the use of operational military units or military equipment if President Donald Trump carries out plans for a massive military parade in Washington, D.C., if it would hamper military readiness. 1581

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. (AP) - President Donald Trump is contradicting the director of the Centers for Disease Control and Prevention on the potential availability of a coronavirus vaccine to the general public and on mask-wearing.Trump said Wednesday that a vaccine will be available as early as October and in mass distribution soon afterward — much sooner than was projected in congressional testimony earlier in the day by Dr. Robert Redfield.Trump says Redfield “made a mistake” when he told lawmakers that any vaccine available in November or December would be in “very limited supply,” and reserved for first responders and people most vulnerable to COVID-19. Redfield estimated the shot wouldn’t be broadly available until the spring or summer of 2021."I think he misunderstood," Trump said. "I don't have to go through this. I think he misunderstood the questions. But I'm telling you, here's the bottom line, distribution is going to be very rapid. He may not know that, maybe he's not aware of that. And maybe he's not dealing with the military, etc like I do. Distribution is going to be very rapid, and the vaccine is going to be very powerful. It's going to sell solve a tremendous problem."After Trump’s comments, CDC officials claimed Redfield thought he was answering a question about when the vaccination of all Americans will be completed.Trump also disagreed with Redfield about the effectiveness of protective masks, which Redfield had said could be even more helpful in combating the coronavirus than a vaccine."The mask perhaps helps," Trump said. "A lot of people didn't like the concept of masks initially, Dr. Fauci didn't like them. I'm not knocking anybody because I understand both sides of the argument. But when I called up Dr. Redfield today, I said what's with the mask? He said I think I answered that question incorrectly. Maybe he misunderstood, maybe he under this understood both of them. The answer to the one, it's going to be a much faster distribution that he said. Maybe he is not aware of the distribution process, it's not really his thing as let's say it is my thing. The distribution is going to be much faster. I hope that the vaccine will be a lot more beneficial than the masks because people have used the masks."Trump also added that masks are not more affected than a vaccine.A vaccine is much more effective than a mask if we get the vaccine, but know the mask is not as important as the vaccine," Trump said. 2465

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