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    Use It or Lose It: Tenant Aid Effort Nears a Federal Cutoff

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    AdvertisementContinue reading the main storySupported byContinue reading the main storyUse It or Lose It: Tenant Aid Effort Nears a Federal CutoffEmergency pandemic funding to help renters must be distributed by Dec. 30. But getting the money to those who need it is no small task.Gregory Heller of the Philadelphia Housing Development Corporation is scrambling to get emergency aid into tenants’ hands before a federal deadline.Credit…Hannah Yoon for The New York TimesDec. 15, 2020Updated 7:15 p.m. ETFor several months, Gregory Heller, an official with a Philadelphia nonprofit group, has grappled with an unusual problem. He had $60 million in rental aid to help low-income tenants weather the pandemic — and a whole lot of trouble spending it.Designing questionnaires, verifying bank statements, processing stacks of paperwork: There is a wide administrative gap between the goal of getting money to renters who need it and the reality of cutting a check to their landlord. People like Mr. Heller are trying to bridge it.He is among hundreds of public servants and nonprofit employees nationwide who are scrambling to unload hundreds of millions in federal aid for tenants before a Dec. 30 deadline. They don’t have enough money to address a growing rental housing crisis yet are struggling to pay out what they have — an undertaking that has become even more urgent as other federal emergency programs, including unemployment benefits and an eviction moratorium, are also about to expire.Working from a home office in front of a laptop whose spreadsheets represent roofs over families’ heads, Mr. Heller, senior vice president for community investment at the Philadelphia Housing Development Corporation, is so engulfed in his efforts that he now supplements the work of his support staff by taking calls from tenants and landlords on his cellphone. That way he can pitch in on answering questions and review applications on the fly, part of a rush to stave off a wave of evictions, one tenant at a time.“I get calls all day, every day,” he said. “I’ve basically joined the help desk.”Philadelphia is a case study in the simple-but-not-easy task of helping tenants with the rent. Social programs are often a partnership in which cities provide funding and lay out rules but delegate the execution to quasi-governmental nonprofit organizations like Mr. Heller’s. Like most places, Philadelphia isn’t close to satisfying the need for help. But through rounds of rejiggering and three phases of funding — each with its own maze of rules and requirements — Mr. Heller’s group built a team to distribute aid, whittled down the processes that delayed it and ultimately concluded that the best way to help was the most straightforward: Give the money directly to renters.“There’s a societal belief that poor people can’t spend money the right way, and I think it’s important to start questioning that assumption,” Mr. Heller said.Almost from the moment the pandemic spread across the United States, advocacy groups have warned that the economic fallout could cause mass displacement of low-income tenants. In response, more than 400 state and local governments have used money from the federal CARES Act to set up funds to cover at least $4.3 billion in rental assistance — money that has helped tenants pay their bills and landlords stay current on their mortgages, according to a database set up by the National Low Income Housing Coalition, a policy group.But now many jurisdictions are reporting trouble spending it, and with barely two weeks left in the year, they are on pace to have more than $300 million left over, according to the coalition’s database. In a pattern that predated the pandemic, the programs have been complicated by bureaucratic hurdles, competing budget demands and a reluctance among landlords to take part.There was shifting federal guidance on how CARES Act money could be spent. States passed legislation that piled local rules on top of the federal rules. Each layer was ostensibly created to improve programs — preventing fraud, making sure the money went to the neediest tenants — but added numerous hurdles for both tenants and landlords, and in the end cost time.“In trying to build bulletproof programs, you build programs that take a long time to get off the ground or simply don’t work because they are too clunky,” said Brad Gair, a principal with Witt O’Brien’s, an emergency-management consulting firm that has helped about a dozen state and local governments create rental funds.Hoping to distribute the remaining aid before it is forfeited, many states and cities are simplifying applications and moving money from nonprofits that can’t process the aid fast enough to those that can. Others are redirecting the funds to different purposes, lest they go unspent.Philadelphia is a case study in the simple-but-not-easy task of helping tenants with the rent. Like most places, it isn’t close to satisfying the need.Credit…Hannah Yoon for The New York TimesNone of this is for lack of demand. In interviews, more than a dozen officials of nonprofit groups and housing administrators reported a deluge of applications, while reports show tenants are piling up credit card bills, back rent and loans. Moody’s Analytics estimates that by the end of the year some 11 million lower-income renters will be about $70 billion in arrears.Tenant advocates, landlord organizations and local-government associations have called on Congress to extend the Dec. 30 deadline. “The idea of reverting that money back to the Treasury just as the eviction moratoriums expire and renters are on the brink is absurd and cruel,” said Diane Yentel, chief executive of the National Low Income Housing Coalition.Like most U.S. cities, Philadelphia had a housing problem long before the pandemic. Rents are lower than in markets like New York and San Francisco, but the burden on tenants is still high. In 2018, about a third of the city’s tenants spent at least half of their pretax income on rent, according to the Pew Charitable Trusts.Despite this, federal aid for housing has been declining for decades, part of a continued disinvestment in the social safety net. The line for the federal Section 8 program, which gives vouchers to low-income renters, is more than a decade long in Philadelphia. At the same time, the Department of Housing and Urban Development’s Community Development Block Grant Program is giving the city less than half of the funding that it received in 1995, adjusted for inflation.Looking to expand aid, Mayor Jim Kenney announced in early March that the city would budget $50 million for a five-year program to assist low-income households. It would also run an experiment, giving one group of households rental vouchers while another group of families got unrestricted cash assistance.The coronavirus ended that by blowing a hole in the city’s budget. But the CARES Act added some $60 million in new funds, some through the state and some in direct federal support to cities. The catch was that it had to be spent quickly. And that’s where Mr. Heller’s group came in.Mr. Heller, 39, has spent his career in the nonprofit world and has been a consultant on neighborhood development projects in two dozen cities. In 2016, he was appointed to run the Philadelphia Redevelopment Authority, a role he still holds, and last year he joined the Philadelphia Housing Development Corporation.Business & EconomyLatest UpdatesUpdated Dec. 15, 2020, 4:17 p.m. ETEuropean Central Bank will lift ban on bank dividends, a sign of cautious optimism.Top congressional leaders met to discuss a stimulus deal and a year-end spending bill before the deadline on Friday.European truck makers say they will phase out fossil fuel vehicles by 2040.Money can come in an instant, but running new programs involves a bunch of mundane but important tasks. Mr. Heller’s organization could not take applications or distribute aid until it had built new information technology infrastructure, with a web portal for claims and 18 full-time employees to review applications and field calls.The first phase was rolled out on May 12 and covered up to $2,500 in rent over three months. Within four days the city had 13,000 applicants. About a third were approved, consuming $10 million of the eventual $60 million.At the same time, Pennsylvania used CARES Act money to start a separate rental-aid program. This was confusing to landlords and tenants, because while that money was also distributed through nonprofits like Mr. Heller’s, it had different criteria from Philadelphia’s program. The major distinction was that the state program would cover no more than $750 in rent, and to receive it property owners had to agree to forgive the balance, and to waive late fees and back rent. This caused a number of landlords — especially in Philadelphia, where the median rent is $1,600 — to balk. And without landlords’ consent, tenants couldn’t get the aid.Victor Pinckney, a landlord and former president of HAPCO, a city landlords’ group, said the reason was simple: He and others didn’t want to take less than the market rent, or give up the right to collect back payments. “It was a no-brainer,” he said.The result was that tenants like Christy Lee Nicholas, who spent two days filling out the questionnaire and assembling pay stubs and bank statements, didn’t even have their applications looked at because the city couldn’t process them without landlord forms.Ms. Nicholas, 42, made about $1,400 a month from a part-time teaching job but was laid off during the pandemic. She recently applied to the Supplemental Nutrition Assistance Program, better known as food stamps, and pays $1,100 a month in rent. She is one month behind on rent and applied for the city’s program, but her landlord didn’t send in his own forms.Linda Harkins applied to the city’s rental assistance program, but was denied because her landlord did not send in a form.Credit…Hannah Yoon for The New York Times“I got an email that said, ‘Sorry, but unfortunately participation requires your landlord,’” she said.This problem went far beyond Philadelphia. Vincent Reina, an urban planning professor at the University of Pennsylvania, recently found that in some cities as many as half of tenants could not get landlords to cooperate with rental assistance programs. The reasons included not wanting to deal with bureaucracy and an unwillingness to comply with terms like waiving back rent or losing the right to evict tenants collecting aid.“We’ve consistently created programs where owners have ultimate veto power over whether a tenant can access the housing assistance that they’ve applied for and need,” Mr. Reina said.To coax more landlords into the program, Philadelphia used its own CARES Act money to augment state rental funds, allowing it to cover up to $1,500 a month in rent. That took care of an additional $30 million, but even with a higher rent cap, 37 percent of landlords still refused to take part.With the end of the year approaching, the city gave Mr. Heller’s organization $20 million for a third program for tenants. This time, instead of having separate applications from landlords and tenants, the organizers asked people who weren’t able to get aid from the first two rounds to reapply — for a cash payment.“We don’t want to penalize them just because their landlord won’t play ball,” Mr. Heller said.One of them was Linda Harkins. Ms. Harkins is a 67-year-old retiree who makes about $1,200 a month from a pension and Social Security, and until recently supplemented it with about $600 a month from a part-time job with the Census Bureau. When her position was cut, Ms. Harkins applied to the city’s rental assistance program.Her application, like Ms. Nicholas’s, was denied because her landlord did not send in a form. Last month, she applied for the new direct-aid program. Ms. Harkins is hoping the check will arrive by Christmas, or at least the first of the month.With the new cash program, Mr. Heller said he was confident that all $60 million would be spent by year’s end. But the need for help will continue.“We now have a whole program set up to funnel millions of dollars to tenants and landlords,” he said. “This issue predates the pandemic and it’s going to continue after. The question is whether we’re going to continue to fund it, or not.”AdvertisementContinue reading the main story More

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    States Overpaid Unemployment Benefits and Want Money Back

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    AdvertisementContinue reading the main storySupported byContinue reading the main storyJobless Benefits Saved Them, Until States Wanted the Money BackA pandemic relief program allows no forgiveness of overpayments, even when recipients are not at fault and the funds are already spent.William and Diana Villafana were told they had received more than $7,000 in excess unemployment benefits. To collect the debt, Nevada is taking all of his benefits and paying her $73 a week.Credit…Bridget Bennett for The New York TimesDec. 11, 2020, 5:00 a.m. ETUnemployment payments that looked like a lifeline may now, for many, become their ruin.Pandemic Unemployment Assistance, a federal program that covers gig workers, part-time hires, seasonal workers and others who do not qualify for traditional unemployment benefits, has kept millions afloat. The program, established by Congress in March as part of the CARES Act, has provided over $70 billion in relief.But in carrying out the hastily conceived program, states have overpaid hundreds of thousands of workers — often because of administrative errors. Now states are asking for that money back.The notices come out of the blue, with instructions to repay thousands or even tens of thousands of dollars. Those being billed, already living on the edge, are told that their benefits will be reduced to compensate for the errors — or that the state may even put a lien on their home, come after future wages or withhold tax refunds.Many who collected payments are still out of a job, and may have little prospect of getting one. Most had no idea that they were being overpaid.“When somebody gets a bill like this, it completely terrifies them,” said Michele Evermore, a senior policy analyst for the National Employment Law Project, a nonprofit workers’ rights group. Sometimes the letters themselves are in error — citing overpayments when benefits were correctly paid — but either way, she said, the stress “is going to cost people’s lives.”The hastily conceived Pandemic Unemployment Assistance program has presented other troubles, including widespread fraud schemes and challenges with processing. As a result, states only recently had enough resources to start sending out overpayment notices. In the meantime, people have been collecting — and spending — sometimes thousands of dollars in what they understood to be legitimate benefits.Olive Stewart, a 56-year-old immigrant from Jamaica, worked part time as a sous-chef at a cafeteria at a Jewish school in Philadelphia, earning $16 an hour for roughly 25 hours a week. But when the pandemic hit and schools shut down, she was laid off.Ms. Stewart applied for Pandemic Unemployment Assistance and began receiving $234 a week. It was not quite enough to cover the $650 in rent, $200 electric bill and $200 internet bill for the house she shares with her 12-year-old daughter, her retired mother and her sister, who has a disability that prevents her from working. To make ends meet, Ms. Stewart started dipping into her savings.Then, on Oct. 6, she got a notice saying that Pennsylvania’s unemployment insurance vendor, Geographic Solutions, had overpaid her by accident. The overpayment included funds from Pandemic Unemployment Assistance and from a $600 federal supplement to unemployment insurance. In total, she was told, she would have to pay back nearly $8,000.To collect the debt, the state began to withhold more than half of her unemployment payments, leaving her just $105 a week. In early November, the state began taking all of her unemployment benefits, leaving her with no income. She has yet to pay her December rent.“The state should be paying attention to what they are sending out,” Ms. Stewart said. “It was their mistake, and I’ve already spent all the money on food and rent. How am I going to pay it back?”Geographic Solutions made duplicate payments for 30,000 Pennsylvania claims because of a system problem, a $280 million mistake, the State Department of Labor and Industry said. (The company says the problem arose from a one-day error that was immediately reported.) Overpayments can also occur if an applicant makes a mistake on a form, as ProPublica reported, or if a state determines that a recipient should not have been eligible.As of Sept. 30, about 27 percent of those approved for Pandemic Unemployment Assistance in Ohio had been overpaid, about 162,000 claims. In mid-November, the figure in Colorado was about 29,000; in Texas, it was over 41,000.Many states waive overpayments on regular unemployment insurance when no fraud is involved, or when paying the money back would cause someone significant hardship. But the federal rules for Pandemic Unemployment Assistance prohibit forgiveness. Even if the state is at fault, the recipient is on the hook.States often start collecting the overpayment automatically, by withholding a portion — from 30 to 100 percent — of future unemployment benefit payments.Many overpayments arose because state unemployment systems are designed to calculate benefits using W-2 forms, employer records, pay stubs and other documents associated with traditional jobs. But because gig workers and part-timers had different sorts of documentation, states had to adapt quickly to a new method of processing and approving claims.Mistakes in the rollout were inevitable, said Behnaz Mansouri, a senior attorney for the Unemployment Law Project, a nonprofit legal aid organization in Seattle.Business & EconomyLatest UpdatesUpdated Dec. 10, 2020, 4:09 p.m. ETWalmart is preparing to administer a coronavirus vaccine once it is available.Mastercard and Visa stop allowing their cards to be used on Pornhub.The U.S. budget deficit hit $207 billion in November.“For a new system to have such a punitive response when the system itself fails seems overly harsh and draconian,” Ms. Mansouri said.“I don’t think they understand that unemployment benefits are for survival,” Mr. Villafana said. “Or if they do understand it, they don’t care.”Credit…Bridget Bennett for The New York TimesGina Jones, 29, was furloughed in March from her part-time job at a breakfast bar at a Quality Inn in Spokane, Wash., and began receiving $750 a week from the pandemic program, which allowed her to pay for rent, food and necessities for her two daughters, ages 1 and 5. She was called back to work in July, and now works about 28 hours a week at $13.50 an hour.Then, in mid-November, she checked her unemployment portal online and saw a message that she had been overpaid by nearly $12,500. She fears that the state will start garnishing her wages to collect the debt.“I already used that money to support my family,” Ms. Jones said. “It’s all gone, and I can’t afford to pay it back.”Asking people to pay back unemployment funds can undermine the unemployment system’s goal of stabilizing the economy, said Philip Spesshardt, branch manager for benefits services at the Colorado Division of Unemployment Insurance.If a person’s unemployment checks are reduced each week because of an overpayment, the recipient will have less cash to pay bills and patronize local businesses. “Ultimately that has a cascading effect on many of those small businesses, causing them to close permanently and further adding to the unemployment rate,” Mr. Spesshardt said.While overpayments under the federal program cannot be waived, applicants can appeal demands for reimbursement after the notice is issued. But the time allowed for appeal can be as little as seven days. After that, the process can be slow, confusing and cumbersome.Colorado has taken steps to address the hardships of reimbursement. In October, after the state noted the large number of overpayments, it determined that the application form was confusing because it did not specify whether the person filing was supposed to provide gross or net income. It decided to “write off” cases where the recipients had submitted earnings and tax documentation that would have allowed the correct benefit to be calculated.Asked how the policy squared with the federal prohibition against forgiveness, a spokeswoman for the Colorado Department of Labor and Employment cited “the administrative burden that it would create for us to collect on these overpayments given competing priorities.”House Democrats have called for renewed pandemic relief to include a provision allowing states to waive overpayments when workers cannot repay them without severe hardship. The provision would apply to previous and future cases. A separate House bill, with bipartisan sponsorship, provides for forgiveness if the overpayment was not the recipient’s fault and “such repayment would be contrary to equity and good conscience.”But the possibility of a remedy is not much consolation to those wondering how they will pay rent and put food on the table in the meantime.William and Diana Villafana, 55 and 34, who before the pandemic ran a car rental business in Henderson, Nev., were told in late October that between them, they had been overpaid by more than $7,000. To cover that debt, the state is taking all of Mr. Villafana’s benefits, and giving Ms. Villafana $73 a week. They are using credit cards for their $2,000 monthly rent, as well as utilities, food and other necessities.“I don’t think they understand that unemployment benefits are for survival,” Mr. Villafana said. “Or if they do understand it, they don’t care.”Mr. Villafana worries about how he will continue to provide for their son and daughter, ages 6 and 7. When his daughter recently asked for a paintbrush set and an easel, he didn’t know what to tell her.“It’s kind of hard to explain to them, ‘Look, you can’t do this’ or ‘I can’t buy you that,’” he said. “I have no idea what we’re going to do about Christmas.”Sheelagh McNeill contributed research.AdvertisementContinue reading the main story More

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    States Try to Rescue Small Businesses as U.S. Aid Is Snarled

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    #masthead-section-label, #masthead-bar-one { display: none }The Coronavirus OutbreakliveLatest UpdatesMaps and CasesBritain’s Vaccine RolloutVaccine TrackerFAQ: Vaccines and MoreAdvertisementContinue reading the main storySupported byContinue reading the main storyStates Try to Rescue Small Businesses as U.S. Aid Is SnarledState governments are offering loans, grants and tax rebates, but budget constraints limit their impact.Kirk Meurer’s business installing office furniture in the Cleveland area dried up practically overnight when the pandemic began.Credit…Da’Shaunae Marisa for The New York TimesDec. 10, 2020, 5:00 a.m. ETWith the economic recovery faltering and federal aid stalled in Washington, state governments are stepping in to try to help small businesses survive the pandemic winter.The Colorado legislature held a special session last week to pass an economic aid package. Ohio is offering a new round of grants to restaurants, bars and other businesses affected by the pandemic. And in California, a new fund will use state money to backstop what could ultimately be hundreds of millions of dollars in private loans. Other states, led by both Republicans and Democrats, have announced or are considering similar measures.But there is a limit to what states can do. The pandemic has ravaged budgets, driving up costs and eroding tax revenues. And unlike the federal government, most states cannot run budget deficits.“We have done what we can do to pump money into small businesses so that people can continue to work,” said Gov. Mike DeWine of Ohio, a Republican. “From the jobs point of view and the economy point of view and the workers’ point of view and small businesses, we’ve got to get that help from the federal government. That’s the only place we can get it.”After months of false starts and on-again-off-again negotiations, there are signs of progress in Washington. Top Democrats last week embraced a $908 billion plan proposed by a bipartisan group of moderate senators. That plan would include nearly $300 billion in aid for small businesses, as well as smaller sums for unemployed workers, state and local governments and other groups. On Tuesday, the White House proposed its own $916 billion plan, which would include more than $400 billion for small businesses.But Democrats and Republicans still disagree on important issues, including aid for state and local governments and liability protection for businesses. Even if the two sides do reach a deal, it could be weeks before money starts flowing.Many small businesses say they can’t wait that long. A survey from the National Federation of Independent Business on Tuesday showed optimism falling and uncertainty rising as the nationwide surge in coronavirus cases leads governments to reimpose restrictions and consumers to pare their spending. Separate data from the Census Bureau shows an increasing share of small businesses cutting jobs, and other surveys have shown large numbers of businesses in danger of failing.If that happens, it could be a disaster for both state economies and state budgets. Local businesses are major sources of tax revenue — both directly and through their employees — and major drivers of economic activity. If they fail in large numbers, it will slow the economic recovery once the pandemic is over.“It becomes almost a death spiral if you can’t keep these businesses running,” said Tim Goodrich, executive director of state government relations for the National Federation of Independent Business.Kirk Meurer was on track to have one of his best years ever in his business installing office furniture in the Cleveland area. But when companies began sending their workers home last spring, his business dried up practically overnight.“Even though we didn’t have to shut down like the restaurants and bars and the travel industries, it didn’t matter,” he said. “The business wasn’t there.”After some delays, Mr. Meurer got money through the federal Paycheck Protection Program, which he thought would be enough to sustain him until business rebounded. But as the pandemic dragged on and offices pushed back their reopening dates to the summer, then to the fall, then into next year, it became clear the company would need more help to survive.“It’s amazing how fast you can burn through money when you’ve got nothing coming in and all the overhead to maintain,” Mr. Meurer said.In recent weeks, his company, Modular Systems Technicians, received a $10,000 grant from a new state fund to help small businesses. He also got money under a program that refunded $8 billion from the state workers’ compensation fund.“It helped,” Mr. Meurer he said. “It’s not nearly enough, but they did what they could.”The money for the Ohio grant program, and from some other recent state aid efforts, actually came from the federal government. As part of the $2.2 trillion CARES Act last spring, Congress created a $150 billion fund that states could tap in responding to the virus. They were given wide latitude in using the money — as long as they did so before the end of the year.As the pandemic has flared anew, however, it has become clear that the economic crisis will last well into next year, by which point the federal money will be gone and state budgets will be unable to pick up the slack. So states are racing to use what’s left of the CARES Act money to shore up their economies and build a buffer for the winter.“I think they’re terrified,” said Joseph Parilla, a fellow at the Brookings Institution who has studied state responses to the pandemic. “If they’re paying attention, they should be.”Eden Stein isn’t sure how much longer her San Francisco gallery and boutique can continue.Credit…Christie Hemm Klok for The New York TimesGov. Jared Polis of Colorado, a Democrat, recalled the legislature for a special session late last month to pass several relief measures, including a $57 million grant program for small businesses. In an interview, he cited Colorado’s slow recovery from the last recession a decade ago, when the failure to contain the foreclosure crisis left lasting scars on the state’s economy. Without further assistance — including federal aid — he fears a wave of business failures that would set off an equally damaging chain reaction, he said.“If we don’t help them get through this, will it ever come back?” Mr. Polis asked. “Sure, but it means years of boarded-up stores and restaurants on Main Streets across America if Democrats and Republicans can’t come together now to act.”Some states are trying creative ways to stretch resources. California last month established a “rebuilding fund,” which will use a comparatively small amount of public money to provide loan guarantees to encourage for-profit and nonprofit lenders to make low-interest loans to small businesses.The California program is aimed at the smallest businesses — most with fewer than 10 employees — and those in low-income and minority neighborhoods. Many were left out of the federal aid programs like the Paycheck Protection Program, which primarily helped somewhat larger employers.“P.P.P. never really served these kinds of businesses very well,” said Laura D. Tyson, an economist at the University of California, Berkeley, who helped design California’s program. “More and more of them are boarding up and closing down, and it’s a real hit to the community, a real hit to the quality of life in these communities.”Ms. Tyson said the loans should help businesses make investments to adapt to life during the pandemic — like investing in online ordering technology or outdoor dining — or to position themselves for the post-pandemic world. But the state can’t afford to cover day-to-day expenses the way the federal government did in the spring.Secession Art & Design, a gallery and boutique in San Francisco, has survived the first nine months of the pandemic through a combination of loans, donations from customers and an aggressive shift in strategy toward online sales, which had been only a small part of the business.But Eden Stein, who owns the 13-year-old business, said she wasn’t sure how long that could continue. California is reimposing restrictions on retail businesses, which could hurt sales during what she calls a make-or-break holiday season. Her lease is up in the spring, and she hasn’t decided whether to renew it.Ms. Stein is thinking of applying for a rebuilding loan from the state but is nervous about taking on more debt. She is applying for a grant under a separate state program, but that won’t be enough to sustain the business. She doesn’t know what the local economy will look like after the pandemic, she said, but it is essential for small businesses to have enough confidence to renew leases and plan for the long term.“I’m not concerned about how hard I can work, how I can connect with my customers or my community,” Ms. Stein said. “I am concerned that I will eventually run out of money.”AdvertisementContinue reading the main story More

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    A $900 Billion Plan Would Help the Economy, but Not Fix It

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    #masthead-section-label, #masthead-bar-one { display: none }The Coronavirus OutbreakliveLatest UpdatesMaps and CasesC.D.C. Shortens Quarantine PeriodsVaccine TrackerFAQAdvertisementContinue reading the main storySupported byContinue reading the main storynews analysisA $900 Billion Plan Would Help the Economy, but Not Fix ItWhile a compromise package gaining steam in Congress would provide urgent help to the economy, some people and businesses would be left out in the cold.The framework of a $908 billion stimulus plan includes several types of assistance that economists have been calling on Congress to approve for months.Credit…Anna Moneymaker for The New York TimesBy More