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WASHINGTON (AP) — The actual crisis of the coronavirus pandemic and a manufactured crisis over voting fraud featured heavily in President Donald Trump's misstatements during the 2020 campaign's final week. Democrat Joe Biden went astray on trade as he assailed the president's record on China.Straining to make the pandemic look less dire than it is, Trump baselessly alleged that the death count is inflated by instances of doctors falsifying the cause of death. He produced no evidence of that, and there is strong contrary evidence that the death toll attributed to COVID-19 actually understates how many Americans are dying from it.A sampling of political rhetoric from the week:TRUMP: "You know, our doctors get more money if somebody dies from COVID. You know that right? I mean, our doctors are very smart people. So what they do is they say, 'I'm sorry, but, you know, everybody dies of COVID.'" — rally Friday in Waterford Township, Michigan.THE FACTS: No, the virus death count has not been overstated because of doctors lying to get more money. No evidence has emerged of such systemic fraud.Almost 230,000 deaths from COVID-19 have been confirmed as of Saturday. The true number is almost certainly higher by a considerable margin.As of Oct. 3, the Centers for Disease Control and Prevention counted 299,000 more U.S. deaths than would be expected in a normal year. Some of those deaths are sure to have been from COVID-19 — how many cannot be known.It's true that hospitals may get higher reimbursement from the government to treat COVID-19 patients. Hospitals were given a 20% add-on for Medicare patients who test positive for the virus to cover the additional costs of treating the disease, such as buying supplies. The higher reimbursements are based on a COVID-19 diagnosis, not on the cause of death as Trump stated.The Healthcare Financial Management Association, which works with hospitals on billing matters, says providers must support COVID-19 billing with test results or a physician's statement. The organization says hospitals expect to be audited for this billing and know that Medicare cheaters may have to pay back three times what they overcharged or even lose access to Medicaid patients.Susan R. Bailey, president of the American Medical Association, said Trump's allegation of COVID-19 overcounting, which he has made several times, "is a malicious, outrageous, and completely misguided charge."___VIRUSTRUMP: "In California, you have a special mask. You cannot under any circumstances take it off. You have to eat through the mask." — Arizona rally on Wednesday.THE FACTS: Those statements are false.California residents are not required to wear "special" masks nor are they required to wear them all the time and "eat through the mask."Gov. Gavin Newsom's statewide mask order allows Californians to wear basic coverings such as homemade ones and people are not required to wear them when at home, outdoors more than 6 feet from others, or when eating and drinking.His office this month did tweet out a graphic advising people to "keep your mask on in between bites" when going out to eat at restaurants. That was mocked because Californians were also advised to minimize the number of times they touch their masks. Newsom told reporters that one of his staffers had sent out the tweet, which the governor said was intended to indicate that if people start to read a book at the table, they may want to put their mask back on.___TRUMP: "We have a spike in cases ... And you know why we have so many cases? Because we test more." — Michigan rally Tuesday.THE FACTS: No, increased testing does not fully account for the rise in recorded cases, and Trump is contradicted by his own top health officials. People are also infecting each other more than before as distancing rules recede, some shun masks and community spread picks up.Adm. Brett Giroir, the Health and Human Services Department official overseeing the nation's coronavirus testing efforts, stressed anew that the increases can't be explained by just additional testing."We do believe and the data show that cases are going up," Giroir told NBC's "Today" show on Wednesday. "Yes, we're getting more cases identified, but the cases are actually going up. And we know that, too, because hospitalizations are going up."More testing actually does not mean more infections at all; people are getting sick regardless of whether their illness is recorded. More testing can help prevent the disease's spread by letting people know COVID-19 is rising in their area.Practically every state is now seeing a rise in cases. The virus has now killed over 228,000 in the U.S., according to the count kept by Johns Hopkins University.Giroir warned that local governments may be forced to take "draconian measures" if Americans don't take safety precautions seriously. "Cases will go up if we don't make a change," he said.___TRADEBIDEN, comparing Trump's record on trade with that of the Obama administration: "We have a trade deficit that's larger with China than when we were there." – interview on "60 Minutes," Oct. 25.THE FACTS: Biden's claim is outdated and no longer true. The U.S. deficit in the trade of goods and services with China fell last year to 8 billion — the lowest since 2013 — as Trump slapped taxes on most Chinese imports to the United States. And the gap is down again so far this year.In the first two years of the Trump presidency, however, the United States ran higher trade deficits with China — 0 billion in 2018 and 7 billion in 2017 — than any recorded during the Obama administration. The deficit was 0 billion in 2016, the last year of the Obama presidency.___2020 ELECTIONTRUMP: "It would be very, very proper and very nice if a winner were declared on November third, instead of counting ballots for two weeks, which is totally inappropriate and I don't believe that that's by our laws." — remarks to reporters Tuesday.THE FACTS: "Our laws" don't require the immediate reporting of all election results in the country on election night. Delayed counting is unavoidable.Apart from the usual lags in rounding up and reporting totals from every precinct in the country, the U.S. is seeing unprecedented numbers of early votes, and some battleground states won't even start counting them until Election Day votes have been tallied.Indeed, the Supreme Court is allowing Pennsylvania to count mailed ballots that are not even received by elections officials for three days after the election, as long as there's no evidence that such ballots were filled out after Nov. 3. The decision isn't final: Justices left open the possibility of reviewing the matter after the election.The court is also allowing absentee ballots in North Carolina to be received and counted up to nine days after Election Day.Earlier in the campaign, Trump asserted that the winner should be declared on election night, another outcome no one can guarantee and one that may elude the country Tuesday. There is no requirement that the winner is determined on Election Day.He once raised the question of delaying the election, then dropped the thought, but has persisted in groundless allegations that the election is certain to be plagued by fraud.___TRUMP: "Strongly Trending (Google) since immediately after the second debate is CAN I CHANGE MY VOTE? This refers to changing it to me. The answer in most states is YES. Go do it. Most important Election of your life!" — tweet Tuesday.THE FACTS: Not so fast. Some states allow voters to switch their early vote, but laws vary and many have restrictions.Minnesota, for instance, allows voters to "clawback" their vote and change it, but the deadline for that has passed. Wisconsin allows people to change their vote up to three times, though it doesn't happen often. Florida allows voters who received mail ballots to choose to vote in person instead, but they cannot vote more than once.If a voter has already sent his or her mail-in ballot and then goes to vote in person, "the (mail) ballot is deemed cast and the voter to have voted," according to Florida law.David Becker of the Center for Election Innovation said changing a vote in states where that is possible is "extremely rare" and very complicated."It's hard enough to get people to vote once — it's highly unlikely anybody will go through this process twice," he said.Trump's suggestion that he did so well in the debate that people who already voted for Biden wished they could switch to him is not borne out by the search engine's statistics.Google searches for "change my vote" did not crack the top 20 searches that night or after. Jill Biden was the subject of Google's 20th most popular search that day. On Friday, the new "Borat" movie, presidential polls, and college football were among the subjects drawing the top 20 attention.___TRUMP: "Big problems and discrepancies with Mail-In Ballots all over the USA." — tweet Monday.THE FACTS: No, the catastrophe Trump has warned darkly about for months in mail-in voting has not materialized.There have been sporadic reports of voters receiving mail ballots that were incorrectly formatted and other localized hitches in the record early turnout, but large-scale disenfranchisement has not been seen.Trump has conspiratorially inflated local incidents, contending, for example, that mail-in ballots filled out for him are being dumped in rivers or creeks. This is a fabrication.Three trays of mail were found by the side of a road and in a ditch — not a river or creek — in Greenville, Wisconsin, in mid-September. The sheriff initially said "several absentee ballots" were in the mix. The state's elections officer later said no Wisconsin ballots were in the lost mail after all. No one said ballots marked for Trump were thrown out in the incident.Trump's motive for challenging votes by mail is plain: Democrats are dominating that segment of voting. Registered Democrats have also outnumbered registered Republicans in early voting in person at polling places, though the gap is narrower than with mailed ballots.In short, Trump may need supporters to show up in huge numbers Tuesday if not before, and his baseless allegations of early-voting irregularities are designed to motivate them to do so as well as to portray the result as illegitimate if Biden wins.___VOTING FRAUDTRUMP, suggesting that Nevada's Democratic Gov. Steve Sisolak will add fraudulent votes: "We're worried about the governor. ... Some of these people, in Nevada, they want to have the election. They want to have the count weeks after November 3rd. So let's all wait for the governor to count them up good, and how many is he going to add during that two weeks, right?" — Arizona rally Wednesday.TRUMP, on Pennsylvania's Democratic Gov. Tom Wolf: "The governor counts the ballots. ... This is the guy that's counting our ballots? It doesn't work. It doesn't work." — remarks Monday in Pennsylvania.THE FACTS: To be clear, governors don't count the votes, and they can't just manufacture votes in the election.Local county officials in Pennsylvania send out the ballots and count the votes. The state's top elections official is Secretary of State Kathy Boockvar, a Wolf appointee.In Nevada, Sisolak has been a target of Trump's ire after Sisolak in September criticized Trump's indoor rally in a Las Vegas suburb for violating the state's large-scale ban on indoor gatherings. But Sisolak doesn't tally the votes himself, and Trump makes a baseless assertion that he can add fraudulent votes to the count.Nevada's secretary of state oversees that state's new all-mail election. That office is held by Barbara Cegavske and she is a Republican.___TRUMP: "In Nevada, they want to have a thing where you don't have to have any verification of the signature." -- New Hampshire rally Oct. 25.THE FACTS: Not true, despite his frequent assertions to the contrary. The state's existing law requires signature checks on mail ballots. A new law also spells out a process by which election officials are to check a signature against the one in government records.In Nevada's June primary, nearly 7,000 ballots were thrown out due to mismatched or missing signatures.___TRUMP: "I say the biggest risk we have are the fake ballots." — New Hampshire rally.THE FACTS: His claim, frequently made in the last days before the election, is overblown.It's true that many states are expecting a surge in mail-in voting because of the coronavirus pandemic, which may lead to longer times in vote counting. The Supreme Court, for instance, will allow Pennsylvania to count mailed-in ballots received up to three days after the election; it also will allow North Carolina to count votes received nine days after the election so long as ballots are postmarked by Nov. 3.But there is no evidence to indicate that massive fraud is afoot. Any delay in declaring a winner of the presidential race after Tuesday would not in itself be illegal.Broadly speaking, voter fraud has proved exceedingly rare. The Brennan Center for Justice in 2017 ranked the risk of ballot fraud at 0.00004% to 0.0009%, based on studies of past elections.In the five states that regularly send ballots to all voters who have registered, there have been no major cases of fraud or difficulty counting the votes.Even if the election is messy and contested in court, the country will have a president in January — and not have vote counting going on "forever" as he asserts — because the Constitution and federal law ensure it. 13516

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

WEST HOLLYWOOD, Calif. -- Adult-film actress Stormy Daniels was honored in West Hollywood with her own day and a key to the city Wednesday.While at the ceremony, Daniels said jokingly, “I’m not really sure what the key opens. I’m hoping it’s a wine cellar."West Hollywood Mayor John Duran proclaimed Wednesday “Stormy Daniels Day” after praising the adult-film actress. RELATED: Stormy Daniels files defamation lawsuit against Trump"Out of all the chaos of the Trump administration, our own Lady Godiva appeared on horseback," Duran said during a raucous presentation at Chi Chi LaRue's erotic apparel shop. "And as you know, Lady Godiva rode naked through the streets of England to protest injustice and taxes, and we have our own Lady Godiva here in the city of West Hollywood."Daniels is suing President Trump and his attorney in federal court in hopes of invalidating a non-disclosure agreement she signed.Daniels claims, despite signing the document herself, that it’s invalid because Trump never signed it.RELATED: Judge denies motion by Stormy Daniels' attorney to depose Trump, CohenTrump’s personal attorney, Michael Cohen, admitted to paying Daniels 0,000 as part of the non-disclosure agreement. 1232

WASHINGTON, D.C. — Federal officials say the key component to getting the COVID-19 vaccine distributed across the country will lie in the hands of states, with help from major pharmacy chains, like CVS and Walgreens.“We want to replicate what the experience you have with the flu vaccine — convenient to you, a tried-and-true system that we do hundreds of millions of vaccines through every year,” said U.S. Health and Human Services Secretary Alex Azar. “That's the backbone of the approach we're taking.”Yet, if flu vaccine rates are any indication, that backbone may not suffice.Dr. Eric Schneider is with The Commonwealth Fund, an independent organization that studies health policy. They recently delved into previous vaccination rates to see how it might unfold for COVID-19.“Our health care system does well at developing new technologies like these vaccines, which are really quite amazing, scientifically speaking,” Dr. Schneider said. “But we don't do as well at making sure those technologies are distributed to the people who need them most. And we're seeing that in the prior vaccination experience, and I’m worried we will see that with COVID-19.”What did they find?A mere 51% of Americans got the flu vaccine last year and only 38% got the H1N1 swine flu vaccine 10 years ago, which had a similar vaccine development timetable and pressure to COVID-19.Those low vaccination rates matter because in order for the COVID-19 vaccine to create herd immunity in the U.S., between 70 and 90% of all Americans will need to get vaccinated.“The concept of herd immunity really is developed out of vaccination programs because the question is ‘What proportion of the population needs to be vaccinated to prevent the circulation of a virus in the population?’” Dr. Schneider said.Just getting that shot could vary depending on where you live, as the federal government is leaving that up to each state.“That's going to be up to the nation's governors as they prioritize within their states,” HHS Secretary Azar said.However, Dr. Schneider said that in order for the states to pull it off, they are going to need federal help.“States are in incredible difficulty right now with their budgets and they need federal support,” he said. “Congress is considering a federal rescue package. That funding is really necessary to get states the support they need to vaccinate large numbers of people.”Large numbers of people are now waiting for a rescue of their own from a virus that’s changed everything.For a closer look at the results of the study on vaccination rates from The Commonwealth Fund, click here. 2612

WASHINGTON, D.C. -- It's a question on the minds of millions of Americans. Will another stimulus check be heading their way? WHAT WE KNOWOn June 22, President Donald Trump committed to a second stimulus in an interview with E.W. Scripps at the White House. "Are you going to get them a second stimulus?" asked National Political Editor Joe St. George. "We are, we are," Trump said. "Probably in the next couple of weeks." 429

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