宜宾丰胸的价格(宜宾医院祛斑) (今日更新中)

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) -- The Supreme Court agreed to review a Trump administration policy that makes asylum-seekers wait in Mexico for U.S. court hearings.As is typical, the court did not comment Monday in announcing it would hear the case. Because the court's calendar is already full through the end of the year, the justices will not hear the case until 2021.If Joe Biden were to win the presidential election and rescind the policy, the case would become largely moot.President Donald Trump's "Migrant Protection Protocols" policy is known informally as "Remain in Mexico" and was introduced in January 2019.More than 60,000 asylum-seekers were returned to Mexico under the policy. 687

WASHINGTON, D.C. -- It seems like a visit to the doctor’s office, but this high-tech checkup doesn’t involve a medical professional, but, rather, an app.“It is a completely objective measure,” said David Liu, CEO of Sonde Health.The company is the developer of an app called “Sonde One.” It’s designed to screen employees at home for potential respiratory ailments – like COVID-19 – in part, through the sound of their voice.“Speaking is one of the most complex physical things that a person can do,” Liu said. “Many parts of the body have to come together including your brain, your lips, your mouth, your lungs, your heart.”That is where the app comes in.After answering a few symptom-related questions, it prompts a person to say “ahhh,” for a set amount of time. The app then either clears the person to go into the office or notifies them and their employer that something may be amiss.“It's a biomarker, like any other, that the body produces,” Liu said. “There's data and signal in your voice that can be read and understood.”The voice analysis technology has been used before in helping screen people for depression and several studies done in the U.S., Australia and Germany show it may have merit.However, the app can’t specifically detect the coronavirus. It can pick-up if someone might have a cold, the flu or even asthma. Still, some companies are signing on.“There's a group of managers who are testing this you know on a on a daily basis right now, just so that we can learn the ins and outs of it,” said Ed McNamara, who is with the New Jersey-based software company SHI.SHI has 5,000 employees, all of whom used to go into the office. COVID-19 put a stop to that because, like millions of others, employees at SHI are working from home.“Our culture, as a company, is one that is really based on us being together and collaborating in person,” McNamara said.The company hopes that might change some time in the fall and that the app could be part of their strategy to come back.“It's one compliment of all of the other activities that we're undertaking, just to make sure that when we do come back to the office, it's in the safest possible way,” McNamara said.It is a safety that could hinge on the sound of your voice. 2245

WASHINGTON, D.C. – Hispanics make up the largest emerging ethnic group in the United States and one that the outcome of this year’s elections may hinge on.“Eight out of every 10 Latinos in our country are United States citizens. The other thing that is important to know is that, during presidential elections, eight out of 10 Latinos, who are registered to vote, vote.”Clarissa Martinez is with UnidosUS, the largest Latino civil rights organization in the country. UnidosUS is now working on voter registration outreach, in the run up to the 2020 election.“We have a lot eligible, but unregistered, voters,” Martinez said.According to the Pew Research Center, a record 32 million Hispanics will be eligible to vote in the 2020 election, many of them in valuable swing states.Hispanics make up about 20% of eligible voters in Arizona and Florida, nearly a third of the potential electorate in California and Texas, and more than 40% of eligible voters in New Mexico.“Basically, in pure numbers, [it] means that, if they were a solid bloc, they would really make a significant difference,” said Dr. Eduardo Gamarra, a political science professor at Florida International University.Yet, he adds – Hispanics are not a solid voting bloc.For example – in past elections – Cuban Americans tended to vote Republican, while Mexican Americans favored Democrats, with Puerto Ricans sometimes split between the two parties.“It is a very diverse community,” Dr. Gamarra said. “It's national origin, but it's also income. It's also race, to a certain extent, right? And Latino women, in some measure, in some places, vote different than Latino men.”That means campaigns may need to tailor their messages, depending on which part of the Hispanic electorate they’re trying to reach.It’s outreach that Clarissa Martinez argues is often missing when it comes to Hispanic voters.“In the last two presidential elections, for example, 60% of Latino voters who were highly likely to vote said that they had not heard from campaigns or candidates – which, frankly, is political malpractice,” she said.However, she says it can be rectified with a simple political playbook.“Candidates matter, their positions matter,” she said, “and meaningful outreach is essential.” 2254

WASHINGTON (AP) — U.S. health officials believe the coronavirus mutation that set off alarms in parts of Britain is no more apt to cause serious illness or be resistant to vaccines than the strain afflicting people in the United States. That's according to Dr. Anthony Fauci of the National Institute of Allergy and Infectious Diseases. Even so, he says the variant still must be taken “very seriously" and is being studied intensively by U.S. officials now. Fauci endorsed the decision of U.S. officials to require negative COVID-19 tests before letting people from Britain enter the U.S. and declined to weigh in on whether that step should have been taken sooner. 674

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