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Rising prices and plummeting listings — not to mention a global pandemic, record unemployment and recession — didn’t keep first-time home buyers from the market in the second quarter of 2020.Ordinarily, in April, as the second quarter of the year begins, homebuying season is well underway, and inventory and prices are both rising toward a summer peak. But the second quarter of 2020 was unusual, to say the least.Across the nation and among the most populous metropolitan areas, prices increased modestly in the second quarter and inventory became even more constrained in an already sparse market. Homeowners who’d been planning to sell reconsidered — though listings ticked up slightly in April, they fell sharply in May and June — and people who’d been thinking of buying, at a minimum, took a beat. But real estate professionals scrambled to implement virtual tours and finalize home purchases in parking lots, and market participants, particularly economically secure buyers, cautiously came out of hiding.Lured in part by record low mortgage rates, first-time home buyers made up 35% of existing home sales in June, according to the National Association of Realtors, a higher share than in the past several years. For first-timers who have stability in the COVID-19 economy, and the wherewithal to stomach a highly competitive market, buying can still make sense.In this quarterly report, we analyze median incomes in the first-time home buyer age range (25-44) compared with listing prices among the 50 most populous metro areas to come up with an affordability ratio. Budgeting for a home that costs roughly three times your annual income (an affordability ratio of 3.0) has been a rule of thumb for years, but first-time buyers often have to stretch beyond this to account for higher prices in metro areas and their lower incomes compared with repeat buyers. By weighing the affordability ratio versus home availability in the largest metro areas, we can get an idea of the conditions first-time buyers are facing when they set out to become homeowners.By looking at both quarter-over-quarter and year-over-year changes, we can get a better picture of the effects of the COVID-19 economy on this year’s homebuying market. The former can provide insight into chronological market responses to the pandemic — our first-quarter affordability report captured data only through March, just the beginning of 2020’s atypical spring season. The latter can show how this year’s second quarter contrasts with similar periods in relatively normal times.Affordability down overallHouses got slightly more out of reach for first-time home buyers in April through June, rising nationally from 4.5 times first-time home buyer income in the first quarter to 4.7 times in the second, and among the 50 largest metros from 5.1 to 5.2 times first-time buyer income. This trend is expected at this time of year. Home prices rise as the housing market heats up in the late spring and summer, but incomes don’t rise in a similar seasonal fashion. If anything, we might’ve expected a more dramatic change, but economic uncertainty on the part of sellers could have kept steeper list price increases at bay.Nine of the 50 metros analyzed bucked this trend and saw affordability improve, but barely, sometimes only by a fraction of a percent.The five most affordable metros for first-time home buyers in the second quarter include Pittsburgh (homes listed at 3.1 times first-time buyer income), St. Louis (3.4), Cleveland (3.5), Hartford, Connecticut (3.5), and Buffalo, New York (3.6). The least affordable, all in California, include Los Angeles, topping the list for the second quarter in a row, with homes listed at 12 times first-time buyer income; San Diego (9.0); San Jose (8.2); San Francisco (7.6); and Sacramento (6.6).First-time buyer guidance: Homes get less affordable in late spring to early summer, and in this regard, the second quarter of 2020 is no different. First-time buyers who are economically secure may be able to make up for the rise in home prices by qualifying for record low mortgage rates. For example, the monthly payment on a 0,000 mortgage at 4.1% interest — roughly the average rate a year ago — is ,160 per month, with 7,483 in interest over the 30-year life of the loan. However, at today’s rate of 3.1%, you’d pay ,025 per month and 8,942 in interest over the life of the loan — nearly ,000 in savings, total, and a 5 monthly break on your payment. Use a mortgage calculator to see what the difference in rates means for your budget.Unseasonal scarcity in the second quarterEven in years when supply is limited, an influx of homes hits the market during the spring homebuying season. Nationally, inventory grew 10% from the first to the second quarter of 2018, and 6% during that period last year. But in 2020, nationwide inventory dipped, albeit slightly, by about 2% quarter-over-quarter.Half of the largest metros in the country saw a decrease in average active listings from Q1 to Q2, with the largest quarter-over-quarter declines in Cleveland (-17%), Louisville, Kentucky (-14%), and Memphis, Tennessee (-14%). However, other large metros saw remarkable increases: San Jose (+62%), Denver (+47%) and San Francisco (+39%), for example. These dramatic climbs helped push the average quarter-over-quarter change among the largest 50 metros to +4%.Stepping back to look at year-over-year changes and how the supply of homes changed from Q2 2019, we found inventory dropped 23% among the 50 largest metros, on average, with 21 metros witnessing a decrease in available homes of 25% or more. Active listings in Las Vegas decreased 8%, the smallest quarterly drop of any metros analyzed and the only one of less than 10%.We’ve been in a strong seller’s market for some time now, as the supply of homes hasn’t kept pace with demand. Having fewer homes hitting the market during the first months of the pandemic only stood to worsen the situation. A highly competitive market has grown even more so, and buyers without room to negotiate could be priced out entirely.First-time buyer guidance: If you’re at all uncertain about your economic security this year and buying would mean an increase in overall housing costs or leave you with no source of emergency funds, you may want to postpone your first home purchase. The low supply of homes means you’re less likely to find a home that checks all the boxes on your wish list. A loss of income, a bout of poor health or caring for a sick loved one could be overwhelming on top of a down payment, closing costs and the expenses associated with moving.Home prices rise, as expectedWe expect prices to rise as the housing market heats up, and if 2020 is sticking to the script in any way, this is it. From the first quarter to the second, national median list prices grew 7% in 2018 and 8% in 2019. This year, they grew 7% nationally, and slightly less, 5%, on average, among the largest metros, quarter-over-quarter.Year-over-year growth was similar, rising about 3%, on average, among the 50 largest metros, after adjusting for inflation.This overall relatively unremarkable growth in prices is one silver lining for first-time buyers. Having a dramatic shortage of homes for sale could drive prices up, but it doesn’t appear that sellers are listing their homes disproportionately higher than last quarter or than at this time last year. That said, list prices are only part of the story, and there’s little doubt that the lack of supply is driving hard bargaining in the negotiation process.First-time buyer guidance: The price you see on a listing doesn’t tell the whole story. If you’re shopping in a seller’s market, be ready to act fast with an offer and compete with other buyers. You may end up paying more than list price, so shopping for homes listed under your max budget will give you a little more wiggle room if you find yourself in a bidding war.Metro spotlight: Cincinnati, Cleveland and ColumbusOhio has three metro areas in our analysis. It was also among the first states to begin canceling large events, declare a state of emergency and issue statewide restrictions to slow the spread of COVID-19. These factors may have played a role in changes in the local housing markets.Cincinnati, Cleveland and Columbus were some of the more affordable populous metros in the second quarter, with home prices averaging 4.7, 3.5 and 4.5 times the median first-time home buyer income, respectively. Even so, all three showed rising prices compared with the same period last year. Median home prices in Cincinnati rose 12%, the third-highest increase of all metros analyzed.But the big story in these Ohio metros is a lack of availability. Though inventory among all metros analyzed fell 23%, on average, compared with last year, it fell 34% in Cincinnati, 33% in Cleveland and 25% in Columbus.When comparing this quarter’s listed homes with last quarter’s, we find a similarly dramatic decrease. Cleveland saw the largest quarter-over-quarter dip in active listings among all metros analyzed: inventory fell 17% from the first quarter. Active listings fell 10% in Cincinnati and 7% in Columbus at the time of year when most markets would typically be flooded with home listings.The one thing saving buyers from being completely locked out of homeownership: affordability. So while finding a home will prove tricky due to a lack of inventory, homes on the market are more likely to be within budget for first-time buyers.Analysis methodology available in the original article, published at NerdWallet.More From NerdWalletMortgage Outlook: A Light Lift to September RatesSmart Money Podcast: Lower Mortgage Rates, and Moving During a PandemicMortgage Outlook: Recession Presses Down on August RatesElizabeth Renter is a writer at NerdWallet. Email: elizabeth@nerdwallet.com. Twitter: @elizabethrenter. 9901

RICHLAND, Texas (AP) — A U.S. Marine believed to have left Arizona for California's Camp Pendleton never arrived, but was found days later at a Texas rest area, unharmed.Lance Cpl. Job Wallace was taken into custody Saturday night by Naval Criminal Investigative Service and other law enforcement officers at a rest area in Navarro County, according to a NCIS statement cited by The San Diego Union-Tribune.The 20-year-old had last been seen leaving a friend's house in Surprise, Arizona, on Monday night, his mother, Stacy Wallace, said. He was due back at Camp Pendleton after a three-day leave that took him home to the suburbs west of Phoenix and a camping trip.About an hour south of Dallas, Navarro County is more than 1,100 miles (1,770 kilometers) east of Surprise and in the opposite direction from Camp Pendleton in Southern California.RELATED: Family searches for answers after Marine bound for Camp Pendleton disappearsThe statement from Kurt Thomas, the special agent in charge of the NCIS Marine Corps West field office, did not include details about how Wallace was found or what he was doing.Stacy Wallace had said her son loved the Marines and was excited to get back to Camp Pendleton, having been recently promoted."He got into several colleges and missed scholarship opportunities just so that he could be a Marine, because he felt it was his duty to serve his country," Wallace said.Wallace's mother had said law enforcement officials told her that her son's phone was last pinged Monday night in Arizona. But a Border Patrol camera spotted his truck the next morning traveling eastbound on Interstate 10 near Fort Hancock, Texas, southeast of El Paso.A Surprise police spokesman had said officers took a report and turned the matter over to the Naval Criminal Investigative Service. Thomas' Saturday night statement thanked law enforcement partners in Texas, Arizona and on the federal level "for their aid in bringing this to a safe resolution." 1976

S.T.E.M. is an acronym for Science, Technology, Engineering and Mathematics.  The demand for skilled workers in science, technology, engineering, and math fields (STEM) is closely linked to global competitiveness. Using creativity and innovation to address these challenges is critical to meeting this demand of skilled workers.San Diego is considered one of the world’s most innovative metropolitan areas, and ranks #2 for producing the greatest number of patents in the nation.  STEM learning matters. Get inspired – use your imagination, creativity and be part of the future of San Diego.  STEM Students who explore technology and engineering solutions may be more likely to appropriately apply the concepts of mathematics to understand and address real life issues and solve problems or challenges. The principles of STEM may help to drive life success personally and professionally.High School ProgramsMotivating the most creative minds and preparing the next generation of “stem” leaders goes beyond the courses typically offered in California high schools. That’s why California state summer school for mathematics and science was created to explore advanced stem topics and provide opportunities for talented students STATEWIDE.COSMOS is an intensive four-week summer residential program for students who have demonstrated an aptitude for academic and professional careers in science, technology, engineering and mathematics (STEM) subjects. Talented and motivated students completing grades 8-12 have the opportunity to work with renowned faculty, researchers and scientists in state-of-the-art facilities, while exploring advanced STEM topics far beyond the courses usually offered in California high schools. Through challenging curricula that are both hands-on and lab intensive, COSMOS fosters its students’ interests, skills, and awareness of educational and career options in STEM fields.COSMOS is offered at the four sites: UC Davis, UC Santa Cruz, UC Irvine, and UC San Diego, simultaneously.  The Statewide Office is located at UC Davis.  Middle School Programs 2117

SACRAMENTO, Calif. (AP) — A proposal to make it easier for local California governments to raise taxes or issue bonds for infrastructure projects has failed in the state Assembly.The effort by Democratic Assemblywoman Cecilia Aguiar-Curry was a constitutional amendment. That means it also would have needed approval from voters at the ballot to become law.It would have lowered the threshold for local governments to raise taxes and issue bonds from two-thirds to 55 percent. Supporters say the higher threshold made it too difficult for local communities to raise money for schools, libraries and other projects.But opponents say the two-thirds threshold is a necessary protection for taxpayers.It failed to pass the Assembly despite Democrats holding a supermajority. Aguiar-Curry may bring it up for a vote again later this year. 841

SACRAMENTO, Calif. (KGTV) — Building on his recently announced initiative to move California away from gas-powered vehicles, Gov. Gavin Newsom says California will dedicate 30% of its land to conservation by 2030.Newsom said Wednesday that under an executive order, the state will direct agencies to store carbon in the state's natural and working lands and remove it from the atmosphere to preserve more than 30% of the state's land and coastal waters by 2030.The move is also meant to combat species and ecosystem loss, according to the governor's order."Once again, California is taking on the mantle of global climate leadership and advancing bold strategies to fight climate change," a statement from Newsom read. "The science is clear that, in our existential fight against climate change, we must build on our historic efforts in energy and emissions and focus on our lands as well. California’s beautiful natural and working lands are an important tool to help slow and avert catastrophic climate change, and today’s executive order provides important new tools to take on this existential threat."To hit climate goals, agencies will be directed to practice:Healthy soils management, including planting cover crops, hedgerows, and compost applications,Wetlands restoration to protect coastal areas,Active forest management to reduce risk and restore forest health,Boost green infrastructure in urban areas like trees and parksLast month, Newsom announced California will phase out all gasoline-powered cars by 2035 in an effort to reduce the state's emissions. The executive order will require all new car and passenger trucks sold in the state to be zero-emission vehicles, but it will not make it illegal for Californians to own gas-powered vehicles or resell them as used cars. 1796