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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

WELLINGTON, Fla. - Golf courses and grade-schoolers don’t always go hand in hand but for one 6-year-old in Wellington, it’s a perfect match.The first-grader in question is Brian “Little B” Kelley. He has a long list of hobbies, but at the top of the list is golf.“Every night I have dreams about golf,” said Kelley.He picked it up from his dad, Brian “Big B” Kelley, an admittedly average golfer. The two spent plenty of weekends watching pro golfers on TV before Little B could even talk. Little B caught the bug, big time.“I just watch the pros and learn it,” he said.It mystified the adults around him, including his dad who said, “ next thing you know he’s got this amazing swing that I want.”There’s more to this story than a kid with a ton of talent, "Little B’s" parents Brian and Elizabeth are open about his adoption in Kansas City six years ago when he was three weeks old.“He was five pounds at a month old so I had him in the palm of my hand,” said Big B.His mom, Elizabeth Kelley, describes him as the gift that keeps on giving.“It just is incredible and yes he’s got an incredible talent with golf but that’s not the thing that makes him special, it’s him and who he is,” she said.A focused flexible and driven athlete, his caddy Chris Arbour says he brings an "X factor" to the game and that’s become a priority.“Be kind to people,” is the way Little B describes it.Arbour said, “I’ll be his friend for the rest of my life if he lets me.”He says it’s already made him a better person. And it can't be ignored for Little B, it made him quite the player. He’s ranked 24th in the world with US Kids Golf, 3rd in the Southeast Region, and 4th in the state. If you ask him though he’ll tell you having fun is number one.This story was first reported by Chris Gilmore at WPTV in West Palm Beach, Florida. 1821

WASHINGTON (AP) — The Justice Department says Purdue Pharma, the company that makes OxyContin, will plead guilty to three federal criminal charges as part of a settlement of more than billion. OxyContin is the powerful prescription painkiller that experts say helped touch off an opioid epidemic. The charges include conspiracy to defraud the United States and violating federal anti-kickback laws. The deal doesn't release any of the company’s executives or owners from criminal liability, and a criminal investigation is ongoing. One state attorney general says the deal fails to hold accountable members of the wealthy Sackler family who own the company. Family members say they had “ethically and lawfully,” while also expressing “deep compassion” for those addicted to opioids. 793

WEST PALM BEACH, Fla. — Florida's coronavirus daily cases record was obliterated Sunday with 15,300, nearly 4,000 more than the previous high and 24 percent of the U.S. total, as daily tests soared to 142,981 but new deaths subsided to 45, the Florida Department of Health announced.The previous state record for cases was set one week ago Saturday with 11,458. Saturday's total was 10,360, which was the fourth time it hit five digits. Friday's total was 11,433 and last Sunday was 10,059.Florida also holds the record for most cases in one day in the United States. During the height of the pandemic, New York reached a peak of 12,274 cases in one day.Since the first two cases were announced four months ago on March 1, Florida's total has surged to more than 1 percent of the state's population to a total of 269,811.In one week, Florida's cases have risen by 69,700 for an increase of 34.8 percent. Last Sunday, total cases passed 200,000.Since the first two deaths were announced on March 6, the death toll has climbed to 4,242, which is ninth in the nation. The number of nonresident deaths listed by the state remained at 104 for a total death count of 4,346.Deaths rose by 511 in the state over seven days for 13.7 percent. The U.S. figure is 3.6 percent with the world at 6.4 percent.Testing has dramatically ramped up from just a few at select sites to massive places throughout Florida as well as nursing homes, jails and farm workers. The total now is 2,576,813, fourth in the nation, behind No. 1 New York, No. 2 California and No. 3 Texas. That figure is more than 12 percent of Florida's population of 21.4 million.Likewise the positive rate has risen to 10.5 percent overall from 10.3 the day before. A few weeks ago the daily rate was around 2-3 percent but has risen to 13.62 percent of results reported by labs Saturday. which is the lowest percentage in two weeks, after 15.31 the day before, a record 20.2 three days ago and 14.71 two weeks ago when there were 41,644 tests.There were 142,981 tests from labs on Saturday for confirmed coronavirus or anti-bodies compared with 87,062 the day before and previous record 95,335 Friday. Two weeks ago there were 41,664.The state reported 11.25 percent of people who tested for the first time were positive on tests received Saturday, which also is the lowest in two weeks, including 12.59 the day before and 13.72 two weeks ago.With more testing and no requirements for someone to take a test, the median age has decreased to 39 and 38 for tests reported Saturday. In addition, the state mortality rate has subsided to 1.6 percent among residents but among those under 55 it is less than 0.2 percent.And at one time, 18,271, have been hospitalized, which is an increase of 248 in one day, compared with 421 the day before.CasesCases in Florida had stayed below 2,000 until June 13 with 2,581 and they often were under 1,000 with the last one of three digits 966 on June 8.Palm Beach County has risen by 4,869 cases in one week for a 30.2 percent gain. Miami-Dade has risen by 17,433 at 37.1 percent and Broward by 8,786 at 41.4 per

WESLEY CHAPEL, Fla. — A Pasco County photographer recruited her friends for a creative Halloween photoshoot involving pizza and pumpkins.Jennifer Sapountsis said the COVID-19 pandemic has been stressful for everyone."Trick-or-treating has changed a lot and people can't do as much stuff, so why not just try to bring smiles to people's faces and have fun with it," said Sapountsis.She asked her friends, Chris and Sarah Weed, to carve two pumpkins. The three then went to The Edison, a venue in Dade City.The couple was photographed wearing pumpkins on their head. They also ate some pizza."I feel like pizza and beer is an iconic thing for couples when they're chill. What do you want to do on a date night? Let's order some pizza, some beer, chill out," she said.The couple also dressed as ghosts and danced around. Sapountsis shared the photos on her Facebook page, Jennifer Alyssa Photography."I've gotten a lot of responses. I've seen other people try to do the same thing. I've seen a lot of people say that this is what I needed for my day....this was so funny, I want to do the same shoot next year," she said.She said she hopes the pictures make people laugh and smile. She also said her friend's husband was not crazy about the idea until he saw the finished product."He loves his wife, so he was okay doing it and going that extra step...there was so much laughter, so much fun. He was absolutely okay with it at the end. When he saw the pictures, both of them...they couldn't even believe it," said Sapountsis."My thought for this was just how can we make it fun and happy and show what date night could be if you took the extra step," she added.This story was first reported by Julie Salomone at WFTS in Tampa Bay, Florida. 1744

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