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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) — The White House said Wednesday it does not favor an immigration agreement with Congress that would involve extending protections for young immigrants for three years in exchange for three years of border wall funding.Deputy press secretary Raj Shah said the administration continues to negotiate an immigration overhaul that would address the Obama-era Deferred Action for Childhood Arrivals program that protects young immigrants from deportation, while also stopping illegal immigration and modernizing the legal immigration system.Two Republican officials briefed on the talks said the so-called "three-for-three" proposal had been floated in staff-level discussions in recent days.The officials spoke on condition of anonymity because they weren't authorized to speak publicly. The discussions were first reported by The Washington Post, which said the idea was being discussed as part of an upcoming spending bill.President Donald Trump has proposed a path to citizenship for about 1.8 million immigrants brought to the U.S. illegally as children in exchange for billion for a border wall with Mexico and other security measures, along with curbing legal immigration. Many Democrats have opposed the proposals.Trump visited the U.S.-Mexico border Tuesday to see prototypes of the barrier that he wants built. Calls to build the wall — a rallying cry of his presidential campaign — and Trump's insistence that Mexico pay for it have led to a coarsening in ties between the U.S. and its southern neighbor.Trump ended the Obama program last September, saying he believed DACA was unconstitutional. Trump pledged to work with Democrats and Republicans to protect the young immigrants, often referred to as Dreamers, from deportation. At one point he promised to accept whatever bipartisan proposal was brought to him, but negotiations broke down after Trump used offensive language to describe some countries in a meeting with lawmakers.The Department of Homeland Security is under a court order to maintain the DACA protections while supporters of the program challenge Trump's decision to end it. 2129

WASHINGTON, D.C. – The Internal Revenue Service (IRS) says it’s sticking with its July 15 deadline for Americans to file and pay their federal taxes.The original filing deadline and payment due date for 2019 was postponed from April 15 to July 15 due to the coronavirus pandemic.However, the IRS says taxpayers who are unable to meet the July 15 deadline can request an automatic extension of time to file until Oct. 15. You can file for an extension here.Those filing for an extension must do so by July 15. The IRS says the extension provides additional time to file a tax return, but it’s not an extension to pay any taxes due.The IRS urges people who owe taxes, even if they have a filing extension, to carefully review their situation and pay what they can by July 15 to avoid penalties and interest.“The IRS understands that those affected by the coronavirus may not be able to pay their balances in full by July 15, but we have many payment options to help taxpayers,” said IRS Commissioner Chuck Rettig. “These easy-to-use payment options are available on IRS.gov, and most can be done automatically without reaching out to an IRS representative.”While the deadline for federal taxes remains on April 15, states may have different deadlines for their taxes. A list of state tax division websites is available through the Federation of Tax Administrators.Click here for more information from the IRS, including payment options. 1442

WASHINGTON, D.C. (KGTV) -- San Diego Mayor Kevin Faulconer was in Washington D.C. Tuesday to meet with President Donald Trump and discuss issues impacting San Diego. According to the White House, Faulconer and the President discussed the United States-Mexico-Canada Agreement. While in the White House, Faulconer also raised several concerns facing San Diego including polluted water flowing in the Tijuana River Valley.Faulconer also discussed San Diego’s homeless crisis with Trump, and what the city is doing to solve homelessness. "I had a chance to briefly meet with the President to discuss a few big issues facing San Diego," Faulconer said on Twitter following the meeting. "We talked about the pending #USMCA deal, California’s homeless crisis, and I also brought up sewage coming from the Tijuana River Valley – and encouraged more federal action to fix it."The mayor's press secretary, Ashley Bailey, said, "It was really 940

We are right in the middle of the 2017 Atlantic Hurricane Season and things have really picked up in the tropics. So much so that it has many of you asking, “Why have things suddenly gotten so active?”Well, it’s actually normal to see the tropics so active right now.Hurricane season goes from June 1 until Nov, 30, with the most active months being August and September. The reason these two months see the most activity is because it’s when the waters in the Gulf of Mexico and the Atlantic are warmest, which is a key ingredient for tropical development.As the sun angle gets lower in the northern hemisphere and we head towards winter, the waters in these areas begin to cool which is why we see the numbers drop for October and the final month of November.When it comes to rating these storms, it’s something similar to the Enhanced Fujita Scale – how we rate tornadoes.Hurricane ratings are based off of the Saffir-Simpson Scale, and we rate them by categories: 985