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The end of July is expected to be a busy time for courts where eviction cases are handled across the country.As the funding from the CARES Act is closing in on its end so is reprieve for renters, who have had difficulty making their monthly rent payments.“There’s a lot of fear,” said attorney Zach Neumann. “People are really concerned about where they’re going to go when that [eviction] demand is placed on their door.”According to the U.S. Census Bureau Pulse Survey, approximately 30 percent of renters have little to no confidence that they can make their next housing payment.CBS News reported during the month of May, 20 percent of renters failed to pay rent on time.“I think you have people who are behind on their rent right now, who haven’t been able to make full payment,” said Neumann. “I think the bigger source of [eviction] filings is going to be in early September when we are definitively out of the CARES Act money window.”To help renters and homeowners with mortgages in Colorado, Neumann started the COVID-19 Eviction Defense Project in late March. He said after seeing people post on Facebook that they were worried about their payments, he put up a post saying he would help them free of charge. Overnight, he says he got more than 500 direct messages asking for his services.“I think the reason that this is going to lead to so many more evictions is because it’s longer-lasting,” said Neumann. “Also, the financial hit is uniform across groups of people.”To give renters more time, the CARES Act instituted a 60-day moratorium on evictions for people living in federally financed rentals, which covers 25 percent of all rentals in the United States, according to the Urban Institute. That moratorium is set to expire on July 26.Cities across the country also put their own eviction moratoriums into place, but many of those are set to expire at the end of July as well.Nine thousand evictions cases resumed in Memphis, once its moratorium ended last month. In Virginia, 12,000 eviction cases were filed when its moratorium was lifted.“There are people in serious crisis and our neighbors are suffering,” said Tammy Morales, who serves as a city commissioner in Seattle.In May, Morales introduced legislation banning landlords from using eviction history as grounds to deny tenancy to renters for up to six months after the pandemic. The bill passed in with all but one commissioner voting yes.“There are cascading effects of this crisis, and this is one piece that we are able to do at the local level to help people,” said Morales.“It’s harder to hold onto your job. It’s harder to keep your kids in school. It’s harder to maintain a workable level of health,” said Neumann about evictions. “What you see is after an eviction folks spend months and months unsuccessfully looking for housing.” 2826

The go-to comfort food for Americans during the COVID-19 pandemic appears to be chocolate. Sales of chocolate have been on the rise since mid-March.During the second quarter of 2020, roughly March through June, people bought .7B worth of chocolate. That’s a 6.3 percent increase from the same time period last year, according to Nielsen.Mars Wrigley, which owns brands like M&M’s and Snickers, told CNN online sales have been stronger in recent months.Research firm NPD recently said Americans were increasing their snacking while stay-at-home orders were in place.During the first few weeks of April, between meal snacking was up 4 percent, according to NPD’s research. They also found 37 percent of consumers were stocking up on salty snacks and frozen treats. 776

The contention around the 2020 presidential election is having some ripple effects, one of which is an effect on holiday shopping.Experts believe the delayed results are part of the reason there’s been a drop in holiday shopping, which retailers desperately need. So far, this year has been one of the toughest years for retail, especially brick and mortar stores.First, the pandemic forced closures and even as stores reopened, shoppers were initially hesitant to return to in-store shopping. Now, as holiday shopping starts to ramp up, the contentious presidential election has become a significant distraction for shoppers.“Consumers not knowing how to react have hit the pause button on their spending,” said Greg Portell, lead partner in the global consumer practice of Kearney.Portell believes without a clear winner in the presidential election and also acceptance of that victory, the holiday shopping season will not be what retailers needed.“The risk and uncertainty tied to civil unrest and the randomness of it at times, is really going to dampen consumers going into those locations,” said Portell. “That really takes the momentum out of what was a close recovery to what was traditional shopping patterns.”“Between the pandemic, the election,” said Mark Cohen, “it just doesn’t feel like we are going to have a jolly old Christmas.”Cohen, the Director of Retail Studies at the Columbia Business School, explained consumers need tranquility to spend and some excitement to spend the way they normally would for the holidays.“We’ve got a society of highly anxious, insecure, emotional, and battered consumers,” said Cohen, “None of that looks like it fits into any definition of tranquility.”However, some, like John Copeland with Adobe Analytics, caution against full doom and gloom around holiday shopping.“Typically, the day after an election, consumers slow their shopping a little bit,” said Copeland.Adobe Analytics data, gathered through its market-leading Adobe Analytics tool kit, shows in 2016 consumer spending dropped 14% after the election. After the 2018 midterms, it dropped 6%. So far, the day after this election, the drop was around 12%.However, those like Cohen and Portell expect, as the protests and legal battles over the election continue, even fewer people will want to spend money on shopping.If that starts to prove true, Copeland expects retailers will respond with new incentives for shoppers to start shopping at the “normal” holiday pace.“I think what we will see is retailers do more of what we already expect them to do which is pull their discounts and deals sooner into the season,” said Copeland. 2651

The Cambridge Analytica scandal has had a number of serious repercussions for Facebook, its users, and the future of privacy around the world.It also temporarily stopped single people from finding true love on Tinder.Shortly after Facebook announced stricter rules for its third-party developers, popular dating app Tinder stopped working. Singles who tried to get some swiping in on their lunch breaks weren't allowed to log in to the app. A pop-up window said "Tinder requires you to provide additional Facebook permissions in order to create or use a Tinder account." Like many apps, Tinder primarily lets people log in with their Facebook credentials."This was part of the changes that we announced today, and we are working with Tinder to address this issue," a Facebook spokesperson told CNN Tech.Upset Tinder users took to Twitter to vent.Facebook is still recovering from revelations that Cambridge Analytica, a data firm with connections to the Trump campaign, accessed the data of millions of its users. Facebook has been rushing to repair its relationship with users, and prevent any future misuses of data by third-parties.On Wednesday, it announced changes to what personal information apps can collect."We will also no longer allow apps to ask for access to personal information such as religious or political views, relationship status and details, custom friends lists, education and work history, fitness activity, book reading activity, music listening activity, news reading, video watch activity, and games activity," Facebook said in its post.It is unclear exactly which part of Facebook's updates caused the issues with Tinder. The app shows you information about potential paramours like age, location and where they went to school. Other dating apps that use Facebook to login, like Bumble, did not experience outages.After Tinder was fixed, many users said their matches were all missing. After a few hours, those matches appeared to have been restored as well.As off Wednesday afternoon, people were able to use the app and -- if only for a moment -- feel a little less alone in the world. 2123

The calendar just turned to November but some companies are already in the Christmas spirit. Starbucks and McDonald's have already released their 2017 holiday cups.Starbucks scrapped its traditional red design for a DIY cup. There's a stack of presents, a Christmas tree, doves, two people holding hands and lots of white space. Customers are encouraged to color the cups themselves.  412

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