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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. – The White House is blocking the Centers for Disease Control and Prevention (CDC) from testifying before a House committee on how to safely reopen schools amid the COVID-19 pandemic.Chairman of the House Education and Labor Committee Bobby Scott (D-Va.) said Friday that representatives asked for the CDC to testify in a public hearing next week to provide greater clarity on the steps that lawmakers can take to help schools educate students in a safe way, but the Trump administration blocked them.“It is alarming that the Trump administration is preventing the CDC from appearing before the Committee at a time when its expertise and guidance is so critical to the health and safety of students, parents, and educators,” wrote Scott in a statement. “This lack of transparency does a great disservice to the many communities across the country facing difficult decisions about reopening schools this fall.”Scott accused the Trump administration of prioritizing politics over science and harming the country in the process.“It should not make that same mistake when it comes to reopening schools,” said Scott.A White House official confirmed to CNN and The Hill that the administration is blocking the CDC’s participation in the hearing, saying the agency’s director, Dr. Robert Redfield, has testified at least four time over the last three months and suggested he and other doctors need to focus on the pandemic response.However, a spokesperson for the House committee told CNN that the panel had requested a testimony from any CDC official and it wasn’t exclusive to Redfield.The White House’s block comes at a time when Americans are debating whether sending children back to physical classrooms is a good idea, amid a surge in COVID-19 cases. The U.S. has seen record number of cases in the past several days.President Donald Trump has been adamant about students going back to the schools, even with many experts advising against it until the outbreak is more under control. Redfield himself told The Hill Thursday that the health risks of keeping schools closed are greater than those of opening them. 2135

We hear the voices who feel that we're enforcing some policies inconsistently. We agree we must do better, and we are working together inside to do so.— Twitter Safety (@TwitterSafety) October 3, 2020 208

WASHINGTON (AP) — President Donald Trump says U.S. military generals have told him that they think the massive explosion that rocked Beirut on Tuesday, killing more than 70 people, was likely a bomb. He told reporters at the White House that he had met with some generals and they do not think it was a manufacturing-type explosion. He says the generals seem to think it was an attack — "a bomb of some kind." The explosion flattened much of a port and damaged buildings across the capital, sending a giant mushroom cloud into the sky. More than 3,000 others were injured, with bodies buried in the rubble. 614

Washington state will require people to wear facial coverings in public settings, under a statewide public health order announced by Gov. Jay Inslee in response to ongoing COVID-related health concerns.The order, issued by Secretary of Health John Wiesman, takes effect Friday. The order requires face coverings when people are indoor in a public area, and outdoors in a public area when six feet of physical distancing can’t be maintained.Washington joins several other states that already have statewide mask orders in place, including California, which issued its order last week.A spokesman for Inslee said that violation of the statewide mask order is a misdemeanor, punishable by up to 90 days in jail and up to a ,000 fine. Violation of the Yakima County proclamation is a gross misdemeanor, punishable by up to 364 days in jail and up to a ,000 fine. 870