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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

We’ve seen almost a dozen law enforcement vehicles driving with lights & sirens to get to a domestic violence situation in #Bonita. @10News pic.twitter.com/K63mLpom92— Cassie Carlisle (@ReporterCassie) May 17, 2019 232

WASHINGTON, D.C. – The Better Business Bureau is warning the public about multiple contact tracing scams.The BBB says scammers are taking advantage of people’s fears about contracting the coronavirus as public health officials roll out contact tracing programs.These programs are developed to help slow the spread of COVID-19 by informing people who may have come in contact with someone who has tested positive.According to the BBB, the scam takes two forms – through messages or via phone call.The unsolicited messages can come via texts, emails or social media messengers. They claim that you’ve come in contact with someone with COVID-19, you’re instructed to self-isolate and link is provided to learn more details. Don’t click the link. It may contain malware that downloads to your device.The phone version of the scam involves a robocall claiming to be part of “contact and tracing efforts,” according to the BBB. Again, the call informs you that you’ve been exposed to someone who tested positive for COVID-19. After electing to speak to a representative, the “contact tracer” asks you to verify personal information. While contact tracers do normally reach out by phone, be sure to hang up if the caller doesn’t meet certain guidelines.The BBB says this how to tell a real contact tracer from a scammer:· Contact tracers will ask you to confirm your identity, but not for financial information. Tracers will ask you to confirm your name, address, and date of birth. In most cases, they will already have this information on file. They will also ask about your current health, medical history, and recent travels. They will not ask for any government ID numbers or bank account details.· Contact tracers will identify themselves: The call should start with the tracer providing their name and identifying themself as calling from the department of health or another official team.· Contact tracing is normally done by phone call. Be extra wary of social media messages or texts.· A real contact tracer will never reveal the identity of the person who tested positive. If they provide a person’s name, you know it’s a scam.· Think the link may be real? Double check the URL. Scammers often buy official-looking URLs to use in their cons. Be careful that the link is really what it pretends to be. If the message alleges to come from the local government, make sure the URL ends in .gov (for the United States) or .ca (for Canada). When in doubt, perform a separate internet search for the website. 2513

We're all familiar by now with the student walkouts in solidarity against gun violence. It's one way they've united in one voice to try to make a difference.  But some students are using art, and billboards, to send a message of their own.           For Yoki Ogbai, the overalls she's painting are more than a school project"Our colors are red and white," Ogbai said. "So a lot of wings a lot of bows glitter all types of crazy.The overalls are her latest work of art."Art for me is like a big sense of release," Ogbai said.Born in East Africa, she used art as expression when she moved to the U.S and a way for people to see her for who she is."A lot of times people don't really try to understand and don't really try to get to know a person before creating their onw ways," Ogbai said.  "Their own idea of who you are."So when she heard about a contest called the "Healing As One" campaign, she figured it would be an opportunity to inspire thousands to take a look at things in a different way."Cause he's kind of taking a picture and was like through the lens," Ogbai said.That idea grew into a billboard on a busy intersection that reads, "See Me, I Am Denver.""To be seen is to be acknowledged for everything you are and not for what you're expected to be," Ogbai says.Ogbai's billboard is just one of several in the Healing As One initiative. The topics are timely. One reads education not deportation. And others, encourage people to have courage and hope.Albany Reynolds designed the hope billboard."For me it's amazing because I've always been someone who wanted to speak out about issues like that," Reynolds said.  "And just bring attention to that."She placed the word over a picture she took of her classmate Kelly."It's giving us leeway to have artistic freedom and to put our ideas out there," Reynolds said. "And to say I want to represent hope and to have that on an actual billboard it's a good opportunity."In a time with young people across the country speaking out about the issues important to them, this group believes doing that through art can be just as powerful."If you look at any big historical changes throughout history art has been a very big part of that," Reynolds said."Even though I am just another person using my voice and what I know what I can do I really am able to make some sort of impact in someone’s life," Ogbai said.Inspiring change through billboards, advertising messages of a different kind. 2526

WASHINTON — The Supreme Court has dismissed as premature a challenge to President Donald Trump’s plan to exclude people living in the country illegally from the population count used to allot states seats in the House of Representatives. The court’s decision Friday may not be its last word on the matter and it’s not clear whether Trump will receive numbers from the Census Bureau before he leaves office next month. The high court said it was too soon to rule on the legality of Trump’s plan because it’s not yet clear how many people he would seek to exclude and whether the division of House seats would be affected.This story is breaking and will be updated. 671