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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, D.C. – Donald Trump’s physician said in a memo released by the White House Saturday night that the president is no longer at risk of transmitting the coronavirus."This evening I am happy to report that in addition to the President meeting the CDC criteria for the safe discontinuation of isolation, this morning’s COVID PCR sample demonstrates, by currently recognized standards, he is no longer considered a transmission risk to others," wrote physician Sean Conley.Conley said it’s been 10 days since Trump began experiencing symptoms of COVID-19, he’s been fever-free for “well over 24 hours” and all symptoms have “improved.”He said an assortment of advanced diagnostic tests reveal there is no longer evidence of actively replicating virus.“In addition, sequential testing throughout his illness has demonstrated decreasing viral loads that correlate with increasing cycle threshold times, as well as decreasing and now undetectable subgenomic mRNA,” wrote Conley.The doctor said that he will continue to monitor Trump “clinically” as he returns to an active schedule.The president has already announced that he plans to hold a rally in Florida on Friday as he ramps his re-election campaign back up. Saturday, he held an event at the White House, speaking to an audience from a balcony. 1312

We all know weddings are expensive. Food, drinks, hiring a DJ, and renting a venue are just among the many costs a couple are expected to pay for. But what if a couple asks for some help on wedding costs? One couple in England are asking for their guests to cover wedding expenses, according to the BBC. Ben Farina told the BBC that their wedding will be "like an all-inclusive holiday" for those attending and paying ￡150 (2 US).Nearly 60 adult guests, along with 20 of their children, have agreed to attend and chip in. In return, guests will receive a three-night stay at a venue which has a spa and pool. According to the BBC, the venue in Derbyshire, England will cost nearly ,500, which is exactly how much the couple is expecting to receive from their guests. The couple have agreed to pay ,000 for drinks, dresses and suits. The groom's mother and father are also chipping in to pay for a hog roast. Farina's stepfather is a chef, and has agreed to cook the hog roast. "People always pay a large amount of money to go to a wedding anyway, so why not have it paying towards the actual wedding rather than just to a business owner?" Farina told the BBC."I sold it to them a bit like an all-inclusive holiday, so all the food and drinks will be incorporated in that cost.Farina's fiancee is on board with the idea. "I never thought we would be able to have a wedding like this," Clare Moran told the BBC. "We had spoken about marriage because we've got a little girl together and I always said we wouldn't be able to afford to do it, or it would have to be a registry office wedding, not a big wedding.RELATED: Will it rain on my wedding day? 1728

Washington insiders are predicting a much higher than usual turnout for the midterm elections, and a lot of big companies are helping voters get to the polls! Uber and Lyft are among those offering free rides.But it’s not just big companies doing a good deed on Election Day. One woman, Cheryl Fleming, is personally taking voters to the polls, calling it her civic duty.Despite the wet weather in Virginia today, Fleming is behind the wheel, volunteering her time to voters."Pickin’ up folks and taking them to the polls, insuring that they have no excuse," says Fleming.There’s a reason why Fleming is doing this. Over two decades ago, she had a felony conviction on her record and was stripped of her right to vote.But in 2016, that right was restored. She was 54 years old when she cast her first ballot. Now, she's making it her mission to get people to the polls.One of Fleming’s passengers on Election Day was 70-year-old Marine veteran Joseph Crouch, who has a similar story to Fleming’s.“When you're an ex-felon, you feel isolated and locked out,” says Crouch.Crouch’s voting rights were restored four years ago, but this is his very first election. He says he has Fleming to thank for getting him to the polls.“She’s a fantastic person, Crouch said.“For her to step up like she’s doing, that’s fantastic.” 1323

WASHINGTON (AP) — The number of migrants apprehended at the Southern border topped 100,000 for the second month in a row as the Trump administration manages an ever-increasing number of Central American families streaming to the U.S. that hardline policies have failed to stem.Border Patrol Chief Carla Provost told senators Wednesday that apprehension numbers were "off the charts," and she's had to divert agents to care for children. As she spoke, images of Border Patrol agents holding small children flashed behind her. In one, an agent feeds a little girl a bottle."We cannot address this crisis by shifting more resources," Provost said. "It's like holding a bucket under a faucet. It doesn't matter how many buckets we have if we can't turn off the flow."There were 109,144 migrants encountered in April, the highest since 2007, including more than 58,000 migrant parents and children and 8,800 unaccompanied children taken into custody, according to Homeland Security figures. Border apprehensions are a barometer for people coming illegally, and a data point President Donald Trump watches closely and rails against.Provost, a longtime border agent with more than 25 years of experience, said shifting resources will not address the crisis. She said she is worried about drugs and other contraband that is getting through as resources are moved to caring for children."I worry how much more is getting past us," she said. "We have been forced to put our national security at risk."Democratic senators said Trump's own failed immigration policies, including zero tolerance that led to family separations, helped contribute to the crisis at the border. Illinois Sen. Dick Durbin said Trump's immigration policies are cruel, unpredictable and ineffective.But lawmakers on both sides seem to agree more that there is a crisis at the border that needs to be resolved. Provost told senators at a Judiciary subcommittee hearing that border officials need laws changed to be able to detain families until their immigration cases are completed. She also said there needs to be changes to make it easier for children who have traveled alone to be returned to their countries. It's a similar refrain repeated by Homeland Security officials, including Acting Homeland Security Secretary Kevin McAleenan. The White House has asked for .5 billion more to help manage the number of migrants.Unauthorized border crossings have surged since the start of this year. In response, the U.S. government has made some asylum seekers pursue their cases while remaining in Mexico and dramatically limited how many people can request asylum at official crossings. An appeals court ruled late Tuesday that the administration could continue the program while litigation played out. Trump has also ordered agencies to consider charging fees to asylum seekers to pursue their cases once they enter.Administration officials have debated proposals to reduce how many immigrants pass their initial "credible fear" screening as part of the asylum process. Immigration agencies are considering toughening the standards of the interview and having Border Patrol agents conduct interviews instead of asylum officers due to a belief that the agents would be less sympathetic.Immigration agencies also allege that many adults and children who cross the U.S.-Mexico border are falsely posing as families so they can be released more quickly into the country. One practice they say is occurring is called "child recycling," in which immigrant youth pose as the children of multiple adults to get them through processing.Matthew Albence, acting director of U.S. Immigration and Customs Enforcement, said agents in recent weeks have identified 65 adults and children as fraudulent. Agents uncovered one case of a 7-year-old girl from Guatemala whose mother sent her three times to help other adults enter, Albence said.Adults are also posing as teenagers to avoid being deported or sent to ICE detention, he alleged."We have individuals that are 23 that are posing as 16-year-olds," he said.ICE said last week that it would start a rapid DNA pilot program in which adults suspected of not being the parents of children accompanying them could voluntarily be tested for a familial relationship. Immigrant advocates say they worry expanded DNA testing could violate the privacy of migrant families and children and that some parents may not fully understand the process when they agree to it.___Associated Press writer Nomaan Merchant contributed to this report from Houston. 4550

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