濮阳东方医院妇科非常的专业濮阳东方医院男科治早泄口碑好很放心,濮阳东方技术值得信任,濮阳东方男科医院怎么走,濮阳东方医院治病贵不贵,濮阳东方医院男科看早泄很不错,濮阳东方妇科医院做人流手术很好,濮阳东方医院男科看阳痿口碑非常高

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

We're about a month into the school year and teachers are struggling to keep children up to speed amid the pandemic.We spoke with a principal at an elementary school in Arizona who says students are about five to six months behind. Some kids who should be reading by now, simply are not.She says when you think about it, most students have not been inside a classroom since March.One challenge for teachers has been teaching at-home students and giving one-on-one attention to those in the classroom. The other challenge has been technology.“It’s day to day, whether or not technology works,” said principal Sarah Lewis. “And if you think about it, we've been hybrid for about three weeks now, but before that, we were all digital learning. We would have full days where we wouldn't have any technology, so basically we would have to tell the kids, go into Google Classroom and practice your multiplication facts.”Lewis says it's tough to hear young kids are learning on their parents’ cell phones, because they don't have a computer.However, she says she's proud of how fast teachers became tech savvy, as well as the level of understanding from most parents and their willingness to be flexible. She's also proud of the kids.“Five-year-olds do not understand that you cannot go over to your friend’s desk and ask what they're reading or coloring, but as far as wearing the mask and being OK when we ask them to step away or ask them to, I mean it's incredible that little kids are able to do it,” said Lewis.Lewis says she wants people to know just how difficult it is for teachers to balance teaching online students and those in the classroom. She says many are fearful of the pandemic, but realize they have a job to do. 1733

WASHINGTON, D.C. – One of the most contentious battles in politics isn’t just the current battle for the White House, it’s also the upcoming battle over who could ultimately end up in the halls of Congress and state capitols everywhere, in a process called redistricting.“The basic idea underlying that system is that we should form a constituency with people who live near us,” said Charles Blahous, a senior research strategist at the Mercatus Center at George Mason University in Virginia.New district maps are created based on census population numbers every 10 years. Yet, those maps can end up getting distorted to favor one political party over another when gerrymandering comes in to play.“I think gerrymandering is of concern to most voters because it seems to violate the foundational principle of our representative system, which is that we are divided into districts geographically,” Blahous said.Geography is something gerrymandering throws out the window. Some of the unusual congressional district maps can end up looking like animals.There is Maryland’s Democratic 3rd district, which looks like a snake, stretching from Baltimore into counties south. There is also northern Ohio’s Republican 4th district, known as “the duck.”So, who designed these?“The Constitution gives the power to state legislatures to draw these maps,” Blahous said.Since politicians draw the maps, they can be skewed to favor a particular party or incumbent. However, they can also be used to favor people from a particular racial or ethnic group, who have often been under-represented in the halls of power, in order to comply with federal Voting Rights Act rules on representation.Still, there are now efforts to take the map drawing out of the hands of politicians.In Virginia, voters will decide this November whether an independent commission should be in charge of the process instead. There are other ideas emerging, too: like using artificial intelligence to make the maps.“It takes an enormous computer capacity, which was not there 30 years ago, and writing the programming to make that all happen is also not a trivial matter,” said political science professor Bruce Cain, director of the Bill Lane Center for the American West at Stanford University.Prof. Cain said he and a colleague, Prof. Wendy Tam Cho of the University of Illinois at Urbana-Champaign, believe an algorithm they’ve developed might be the best alternative for making fairer maps.“What you want to be able to do is take every plan and classify it and say, ‘yeah, this one's better for minorities, this one's better for compactness,’ but is there something that combines both of them?” he said.It is all part of the ongoing effort to make sure America’s representative democracy remains truly representative of the people. 2801

WASHINGTON (AP) — U.S. employers added 638,000 jobs in October, a solid pace though far fewer than needed to regain most of the jobs lost to the pandemic recession just as new viral cases are setting record highs. The October gain suggested that a tentative economic recovery may remain intact even in the face of a surging viral outbreak. The report Friday from the Labor Department said the unemployment rate fell to 6.9% from 7.9% in September. Eight months after the virus struck the United States, the economy still has recovered barely half the 22 million jobs that were lost to the pandemic. 606

WASHINGTON (AP) — The Trump administration is poised to revoke California's authority to set auto mileage standards, asserting that only the federal government has the power to regulate greenhouse gas emissions and fuel economy.Conservative and free-market groups have been asked to attend a formal announcement of the rollback set for Wednesday afternoon at Environmental Protection Agency headquarters in Washington.Gloria Bergquist, spokeswoman for the Alliance of Automobile Manufacturers, said Tuesday that her group was among those invited to the event featuring EPA Administrator Andrew Wheeler and Transportation Secretary Elaine Chao.The move comes after the Justice Department recently opened an antitrust investigation into a deal between California and four automakers for tougher pollution and related mileage requirements than those sought by President Donald Trump. Trump also has sought to relax Obama-era federal mileage standards nationwide, weakening a key effort by his Democratic predecessor to slow climate change.Top California officials and environmental groups pledged legal action to stop the rollback.The White House declined to comment Tuesday, referring questions to EPA. EPA's press office did not respond to a phone message and email seeking comment.But EPA Administrator Andrew Wheeler told the National Automobile Dealers Association on Tuesday that the Trump administration would move "in the very near future" to take steps toward establishing one nationwide set of fuel-economy standards."We embrace federalism and the role of the states, but federalism does not mean that one state can dictate standards for the nation," he said, adding that higher fuel economy standards would hurt consumers by increasing the average sticker price of new cars and requiring automakers to produce more electric vehicles.Word of the pending announcement came as Trump traveled to California on Tuesday for an overnight trip that includes GOP fundraising events near San Francisco, Los Angeles and San Diego.California's authority to set its own, tougher emissions standards goes back to a waiver issued by Congress during passage of the Clean Air Act in 1970. The state has long pushed automakers to adopt more fuel-efficient passenger vehicles that emit less pollution. A dozen states and the District of Columbia also follow California's fuel economy standards.California Attorney General Xavier Becerra said Tuesday that the Trump administration's action will hurt both U.S. automakers and American families. He said California would fight the administration in federal court."You have no basis and no authority to pull this waiver," Becerra, a Democrat, said in a statement, referring to Trump. "We're ready to fight for a future that you seem unable to comprehend."California Gov. Gavin Newsom said the White House "has abdicated its responsibility to the rest of the world on cutting emissions and fighting global warming.""California won't ever wait for permission from Washington to protect the health and safety of children and families," said Newsom, a Democrat.The deal struck in July between California and four of the world's largest automakers — Ford, Honda, BMW and Volkswagen — bypassed the Trump administration's plan to freeze emissions and fuel economy standards adopted under Obama at 2021 levels.The four automakers agreed with California to reduce emissions by 3.7% per year starting with the 2022 model year, through 2026. That compares with 4.7% yearly reductions through 2025 under the Obama standards. Emissions standards are closely linked with fuel economy requirements because vehicles pollute less if they burn fewer gallons of fuel.The U.S. transportation sector is the nation's biggest single source of planet-warming greenhouse gasses.Wheeler said Tuesday: "California will be able to keep in place and enforce programs to address smog and other forms of air pollution caused by motor vehicles." But fuel economy has been one of the key regulatory tools the state has used to reduce harmful emissions.Environmentalists condemned the Trump administration's expected announcement, which comes as gasoline prices have crept higher following a weekend drone attack that hobbled Saudi Arabian oil output."Everyone wins when we adopt strong clean car standards as our public policy," said Fred Krupp, president of Environmental Defense Fund. "Strong clean car standards give us healthier air to breathe, help protect us from the urgent threat of climate change and save Americans hundreds of dollars a year in gas expenses."___Associated Press writer Adam Beam contributed to this report from Sacramento, Calif. 4666