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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 (AP) — President Donald Trump has welcomed Poland's president to the White House, and sending more U.S. troops to Poland to bolster NATO's eastern flank against Russian aggression is at the top of their agenda.Even before Andrzej Duda arrived, the U.S. ambassador to Poland said the U.S. will send another 1,000 troops to Poland — over and above the 1,000 declared last year.But the troops might not necessarily be transferred from Germany, where Trump is planning to withdraw about 10,000 U.S. troops.This is Duda’s third visit to Washington since Trump took office and the first head of state visit at the White House since the pandemic began.Trump and Duda are expected to hold a joint press conference at about 3:30 p.m. ET at the White House. Watch it live below: 787

WASHINGTON (AP) — Senate Majority Leader Mitch McConnell congratulated Democrat Joe Biden on Tuesday as the president-elect. The Republican leader said the Electoral College “has spoken.” "So, as of this morning, our country has officially a President-elect and a Vice President-elect," McConnell said during comments in the Senate Tuesday morning. "So, today I want to congratulate President-elect Joe Biden." 418

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WASHINGTON, D.C. – One hundred years after the 19th Amendment became law, eligible women voters could end up as the definitive political power in the 2020 election.“Women are the most consistent, reliable voting bloc across the country, across the elections, year in and year out,” said Jeanette Senecal with the League of Women Voters.The numbers bear that out. According to the Pew Research Center, women have outnumbered men in the voting booth in every presidential election since 1984.In 2016, 63% of eligible women voted, versus 59% of men.Those numbers have implications for both the Democratic and Republican parties, according to American University professor Jane Hall.“We are seeing a very striking acceleration of what has been a trend for some time, which is a gender gap between women voting for Democrats and men voting more for the Republican party,” Hall said.In the 2018 midterm elections, that gender gap became pronounced.Among registered voters, 50% of men identified as either Republican or leaning Republican, while 42% of men went with Democrats, a difference of 8%.Yet, among women, that gap more than doubled: 56% of women identified as Democrats, but only 38% with Republicans – a gap of 18%.How women choose to vote, though, is more complex than just two political parties, said Howard University political science professor Dr. Keesha Middlemass. There are differences in race and ethnicity, as well as levels of education and income.“We have to think about women as multiple blocs of voters,” Dr. Middlemass said. “They’re not a monolith.”That’s something the two presidential candidates seem to realize. President Donald Trump recently said he’s trying to appeal to what he calls “suburban housewives,” while Joe Biden picked a woman, California Senator Kamala Harris, as his running mate.“Anecdotally, talking to a lot of women: representation matters, seeing yourself there matters,” Hall said.What impact all of this has on the upcoming election remains to be seen.“Women want policies: ‘how are you going to make my life better?’ well, that requires policy,” Dr. Middlemass said. “But that whole idea of gender politics is going to be very evident in getting out the vote.”All of it is happening in an election where gender could tip the balance of power one way, or another. 2318