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Weak La Ni?a conditions emerged last month, and the Climate Prediction Center has issued a La Ni?a Advisory.Temperatures in the eastern equatorial Pacific Ocean have been dropping in recent months, and forecast models are giving a 65 to 75 percent chance those cooler than average ocean temperatures will remain through the winter months. 346

WASHINGTON (AP) — The Democratic-controlled House has approved a .5 trillion plan to rebuild the nation’s crumbling infrastructure.The measure would pour hundreds of billions of dollars into projects to fix roads and bridges, upgrade transit systems, expand interstate railways and dredge harbors, ports and channels.The bill also authorizes more than 0 billion to expand internet access for rural and low-income communities and billion to modernize the U.S. Postal Service.It now goes to the Republican-controlled Senate, where a much narrower bill approved by a key committee has languished for nearly a year. 628

WASHINGTON (AP) — The Border Patrol’s parent agency has fired four employees and suspended 38 without pay for inappropriate social media activity. The announcement comes one year after revelations of a secret Facebook group that mocked members of Congress and migrants. Customs and Border Protection said another 33 employees were disciplined with reprimands or counseling. Of 138 cases investigated, 63 were found unsubstantiated. Posts questioned the authenticity of images of a migrant father and child dead on a riverbank and depicted doctored images of Rep. Alexandria Ocasio-Cortez purporting to perform a sex act on President Donald Trump. 654

WASHINGTON, D.C. – Democratic lawmakers in both chambers of Congress are introducing a bill that would ban the federal government from using biometric technology, including facial recognition technology.The bill would also effectively strip federal support for state and local law enforcement entities that use biometric technology. Sen. Ed Markey (D-Mass) is joining forces with Sen. Jeff Merkley (D-Ore.), Rep. Pramila Jayapal (WA-07) and Rep. Ayanna Pressley (MA-07) to introduce the Facial Recognition and Biometric Technology Moratorium Act in the House and Senate.This measure comes amid growing calls from civil rights advocates who say facial recognition technology disproportionately misidentifies non-white individuals. It’s the first bicameral piece of legislation introduced that focuses on the tech since police brutality protests began about a month ago.In a press release, Markey cited a growing body a research that points to inaccuracy and bias issues with these technologies, which pose disproportionate risks to people of color.Markey points to a National Institute of Standards and Technology report on facial recognition tools that found Black, Brown and Asian people were up to 100 times more likely to be misidentified than white male faces.The bill’s introduction comes just one day after the ACLU amplified the story of a Black man in the Detroit area who says he was wrongfully arrested after this kind of technology misidentified him as a man seen stealing ,800 worth of watches.Specifically, the proposed legislation would do the following:Place a prohibition on the use of facial recognition technology by federal entities, which can only be lifted with an act of Congress;Place a prohibition on the use of other biometric technologies, including voice recognition, gate recognition, and recognition of other immutable physical characteristics, by federal entities, which can only be lifted with an act of Congress;Condition federal grant funding to state and local entities, including law enforcement, on those entities enacting their own moratoria on the use of facial recognition and biometric technology;Prohibit the use of federal dollars for biometric surveillance systems;Prohibit the use of information collected via biometric technology in violation of the Act in any judicial proceedings;Includes a private right of action for individuals whose biometric data is used in violation of the Act and allows for enforcement by state Attorneys General; andAllow states and localities to enact their own laws regarding the use of facial recognition and biometric technologies.“Facial recognition technology doesn’t just pose a grave threat to our privacy, it physically endangers Black Americans and other minority populations in our country,” said Markey. “As we work to dismantle the systematic racism that permeates every part of our society, we can’t ignore the harms that these technologies present. I’ve spent years pushing back against the proliferation of facial recognition surveillance systems because the implications for our civil liberties are chilling and the disproportionate burden on communities of color is unacceptable. In this moment, the only responsible thing to do is to prohibit government and law enforcement from using these surveillance mechanisms. I thank Representatives Jayapal and Pressley and Senator Merkley for working with me on this critical legislation.” 3433

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