三门峡女性内外生殖器解剖模型山东可调式成人与儿童心肺复苏模拟人（带报警）,天津腭骨放大模型,河南手关节剖面模型,广东人体针灸铜人模型,合肥不锈钢多功能动物解剖台(双人位),南昌上、下颌骨教学,黑龙江手关节剖面模型

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

SACRAMENTO, Calif. (AP) — An investigation has found many California state agencies have failed to provide sexual harassment training for all their supervisors as required by state law.Capital Public Radio reported Tuesday its investigation found nearly 60 percent of agencies surveyed by the State Personnel Board did not provide the training, up from 25 percent in 2016 and 32 percent in 2017.The public radio station reports that since 2016, the State Personnel Board has identified nearly 1,800 state government supervisors at dozens of agencies who did not receive the required training.A state law requires businesses with 50 or more workers and all state agencies to provide two hours of sexual harassment training to new supervisors within six months of being hired or promoted. 794

SACRAMENTO, Calif. (AP) — California is giving cities and counties more power to speed up the building of supportive housing and shelters amid a homelessness crisis.Democratic Gov. Gavin Newsom signed 13 laws aimed at stemming the crisis Thursday. His action comes as Republican President Donald Trump criticizes California's handling of the issue, most recently blaming homelessness for water pollution .California, the nation's most populous state, has a growing number of people living in the streets in cities such as Los Angeles and San Francisco. But Newsom has accused Trump of politicizing the issue and called on the federal government to provide more aid to get people into housing.Newsom said the bills he's signed will "give local governments even more tools to confront this crisis."One new law that takes effect immediately lets Los Angeles bypass parts of the California Environmental Quality Act to build supportive housing and shelters. Another lets projects that will turn hotels into housing forego certain CEQA reviews through 2025."Supportive housing and shelters aren't being built quickly enough and as long as Californians are struggling to survive in our streets, we have a moral responsibility to do everything in our power to provide the shelter and assistance they need to get back on their feet," Assemblyman Miguel Santaigo, a Los Angeles Democrat, said in a statement.Some critics of CEQA have argued it can be weaponized to delay development of projects community residents might find unfavorable.Another adds Orange and Alameda counties as well as San Jose to the list of places that can declare emergencies and build shelters on publicly owned land. It builds on a 2017 law that lets Berkeley, Emeryville, Los Angeles, Oakland, San Diego, Santa Clara and San Francisco declare such crisis."I am optimistic that we will continue to work together to bring solutions to our homelessness crisis," said Democratic Assemblywoman Sharon Quirk-Silva, who authored the bill and represents parts of Orange County.Los Angeles declared a shelter crisis after the 2017 law and set a goal of creating 750 to 1,500 new shelter beds, according to a bill analysis. So far it has opened 109 of those beds and has 170 under construction.Another piece of legislation signed by Newsom exempts projects built with billion in voter-approved bonds from environmental rules. The Sierra Club, an environmental group, opposed the legislation.Other bills Newsom signed will:—Allow for the use of vacant California armories to provide temporary shelter during hazardous weather.—Create a legal framework for agreements with landlords allowing tenants to take in people at risk of homelessness.—Let the California Department of Transportation lease property to local governments at a cost of per month for emergency shelters. 2843

SACRAMENTO, Calif. (AP) — Parents of Californians murdered by people now on death row shared gruesome details of their loved ones' killings Thursday as they launched a statewide tour to urge Gov. Gavin Newsom to reverse his moratorium on executions."He was like a thief in the night that stole justice from us," said Phyllis Loya, whose son Larry Lasater Jr. was killed on duty as a police officer.Newsom last month issued a reprieve to the more than 700 people sitting on California's death row, meaning none will be executed as long as he is in office. He also ordered the state to withdraw its lethal injection regulations and dismantled the "death chamber" at San Quentin State Prison.California's death row is the nation's largest, but the state has not executed anyone since 2006. Voters in 2016 approved a ballot measure to speed up executions, and district attorneys and the families of victims' accused Newsom of defying the voters' will.RELATED: California seeks death penalty in 'Golden State Killer' caseTodd Spitzer, Orange County's district attorney, said the "Victims of Murder Justice" tour will travel to all 80 Assembly and 40 Senate districts. He did not announce new legal actions aimed at stopping Newsom's moratorium. But Spitzer requested that Newsom review each case individually to make clemency decisions rather than issuing a blanket reprieve. He also said the tour is designed to pressure lawmakers; a proposal has been introduced to again put a measure to permanently stop the death penalty on the 2020 ballot.Families criticized Newsom for saying he couldn't sleep at night knowing an innocent person might be killed, saying they could not sleep because they had seen their children's bodies defiled and, in one case, sewn back together."A real leader would say let me listen to this case by case," said Steve Herr, whose son Sam Herr was murdered in 2010 by Daniel Wozniak, who shot Herr in the head, made it look as if he raped a female victim and dismembered him. Herr said Newsom will never know what it was like to see the murder scene and, later, his son's body sewn back together so it could be buried in one piece.Jeri Oliver, whose son Danny Oliver was killed while on duty as a Sacramento sheriff's deputy, had perhaps the harshest words for Newsom. Luis Bracamontes was convicted last year for Oliver's murder and said during the trial he wished he had killed more cops. Oliver said Newsom owed her a one-on-one meeting to discuss the case."You turned the knife again in my heart," Oliver said. "I dare you to meet with me and I can give you some facts that you don't want to hear. I challenge you Gov. Newsom — come meet with me."When announcing his moratorium, Newsom said he met with several victims' families who offered different opinions on the death penalty."To the victims all I can say is we owe you, and we need to do more and do better," he said at the time. "But we cannot advance the death penalty in effort to try to soften the blow of what happened."National Crime Victims' Rights Week began Monday, and several attendees said Newsom should have spent it meeting with crime victims in California rather than traveling to El Salvador. Newsom spent three days in the Central American country to learn about the poverty and violence driving migrants to come to the United States.Newsom's office did not immediately offer comment on Thursday's news conference. 3420

SACRAMENTO, Calif. (KGTV) — A staff member of Gov. Gavin Newsom's office has tested positive for the coronavirus this week, according to the governor's office.The staff member, who was not named, had not interacted with Newsom or staff that routinely interacts with the governor, a statement read.Another state employee who also works in a shared space with some of Newsom's staff also tested positive for COVID-19, but that person also has not interacted with the governor or close staff.Newsom's office requires mask wearing, minimal staff in the office, and most meetings have been converted to video conferencing, the statement said.The governor said Wednesday that he's been tested multiple times and has never been positive, “and I look forward to getting tested again."The Associated Press contributed to this report. 832