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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 all know we could be scammed and these days it’s becoming harder and harder to tell what’s legitimate and what’s not. Phishing attack are not only increasing, they’re getting more sophisticated.Here are the main ways scammers are targeting you and what you can do to beat them at their own game.It all starts in your inbox with your email. It’s the easiest way for scammers to strike. They’re phishing for your personal info and their bait is pretty convincing.Girbin Klein is a senior security analyst and said, “These are the types that people will get into their email inbox typically that claim to be from Apple, claim to be from American Express, whatever company or bank people might be associated with."Scammers are getting more sophisticated with how they approach us. "It's claiming that you know you've won something or your accounts are being closed down because there's been some weird activity with your account," Klein added. "I mean those are the types of emails that get people's attention."Right now, fake Netflix emails are circulating. The email asks you to verify your billing information by clicking on the link. It even gives you a separate link to visit the help center. There’s also a fake email being sent out that’s claiming it’s from Apple. Recent research suggests one in four emails is trying to get your Apple ID, making it the top target of hackers.If you receive one of these emails, here’s what you should do. Never click on the link. That’s what scammers use to steal your information. Instead, if you’re really concerned, go to the company's website on your own and check things out. You can also try hovering your cursor over a link to see where it directs you, but there’s now new software that doesn’t always show you that.Finally, look at the email sender’s address. Who sent it? Are there inconsistencies? Sometimes it looks like it’s from a family member, friend or company you know, but the address doesn’t match up.Remember, just because they’re phishing doesn’t mean we have to take the bait. Something else to keep in mind is your bank will never send a generic email requesting personal information be sent back to it. Make sure you check your online accounts frequently and to install firewall, anti-virus and anti-spyware in your computer. 2308

We see them everywhere. People are flying them all over the place, but there's a more serious, nefarious side to what should just be fun.Hackers are turning drones into devices that steal our personal information."It's got a bunch of peripherals…to hack basically anything over the air," Francis Brown, co-founder of Bishop Fox, said.Brown works to find holes in other companies' security systems. He says drones are now taking the bad guys where they're usually not allowed to go."Anything within the vicinity that's speaking over the air that's kind of an ideal platform to kind of just go land to do a drive by outside the window or go land on the roof and then hack something over the air, Brown said."Hackers attach a little computer called a Raspberry Pi to a drone. It looks like a big computer chip and then it's just flown around."These quad copters basically are little laptops with hacker tools on them," Brown said.Wireless, Blue Tooth, and R-F-I-D signals are all vulnerable, these drone can access places a normal hacker couldn't even reach."Buildings that are centrally located inside a corporate campus. There are you know near the street buildings where you couldn't necessarily see the Wi-Fi from the parking lot because it's a secure campus lesser or a wireless in a conference room on the 50th floor that witnesses are going to get from the ground,"  Brown said. So how often is this happening? Brown says it's tough to track, because companies are embarrassed to say if they've been hacked this way. He says the threat alone, should be a wake up call."One of the biggest advantages from a hacker's perspective is that it reduces your chances of getting caught is even more brazen," Brown said.Brown says anyone could be targeted, from an office park to your neighborhood block preventing drones from being there is extremely difficult.  Signal blockers in those frequencies to stop the drones from flying are illegal. 1961

WASHINGTON (AP) — The GOP push against Facebook and Twitter has accelerated after Republican senators threatened the CEOs of the social media companies with subpoenas to force them to address accusations of censorship in the closing weeks of the presidential campaign. With Democrats boycotting the hearing, the Republican-controlled Senate Judiciary Committee voted to authorize the legal orders if Facebook’s Mark Zuckerberg and Twitter’s Jack Dorsey don't agree to testify voluntarily. The committee wants to hear from the executives about what the subpoena document says is “the suppression and/or censorship" of recent New York Post articles about Democratic president nominee Joe Biden and his son Hunter. Facebook declined comment and there's no immediate comment from Twitter. 792

WASHINGTON, D.C. – A bipartisan group of U.S. senators and members of the House of Representatives announced a COVID-19 emergency relief framework Tuesday morning.The proposed legislation would provide about 8 billion in aid, with 0 billion going to state and local governments. It also includes 0 billion in additional unemployment insurance and 8 billion for small businesses.The lawmakers say the bicameral framework will help American students, families, businesses, workers and health care providers during the COVID-19 crisis.The plan is designed to last until about March 31, or the end of the first financial quarter.“This four-month COVID-19 emergency relief package will help us get through the hardest months of winter and into a new administration,” said Rep. Josh Gottheimer (D-NJ) during a press conference announcing the legislation. “It’s an essential down payment in what our families, small businesses and local communities need.”Sen. Mitt Romney (R-UT) stressed that the proposal isn't a stimulus bill and explained that much of the funding will be repurposed from the CARES Act.“This is not a .8 trillion stimulus bill. This is a relief measure, half that amount, 8 billion," said Romney. "I would note that of that fund, 0 billion is money repurposed from the first CARES Act, so the amount of new money is actually 8 billion.”Romney also said liability protection is included in the bill and argued that it's critical. “We did negotiate a liability provision that provides a temporary moratorium, a temporary suspension, of any liability-related lawsuits at the state or federal level that are associated with COVID, giving states enough time to put in their own protections. And let me note that any state that doesn’t put in place protections hasn’t been thinking this through very carefully, because if I was a CEO, I would never think about putting a new business in a state that didn’t have liability protections for COVID.”U.S. Senators Joe Manchin (D-WV), Susan Collins (R-ME), Mark Warner (D-VA), Bill Cassidy (R-LA), Jeanne Shaheen (D-NH), Lisa Murkowski (R-AK), Angus King (I-ME), and Maggie Hassan (D-NH) were also among the lawmakers who worked on the plan and presented it Tuesday.The proposal, which does not include another round of stimulus checks, comes after months of failed negotiations between the White House and congressional leaders to pass another stimulus bill to help the American people during the current wave of coronavirus cases.The proposed 8 billion plan was broken up as follows:State, local and tribal governments – 0 billionAdditional unemployment insurance, 0 billionSupport for smalls businesses, including Paycheck Protection Program, EIDL, restaurants, stages and deductibility – 8 billionCDFI, MDI Community Lender Support – billionTransportation (airlines, airports, buses, transit, and Amtrak) – billionVaccine development and distribution, testing and tracing – billionHealthcare provider relief fund – billionEducation – billionStudent loans – billionHousing assistance (rental) – billionNutrition/Agriculture – billionU.S. Postal Service – billionChild care – billionBroadband – billionOpioid treatment – billion 3269