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SACRAMENTO, Calif. (AP) — California Gov. Gavin Newsom has ordered the state police training program to stop teaching officers how to use a hold that can block the flow of blood to the brain. It is Newsom's first action following two weeks of protests across the country after the death of George Floyd. Floyd died on Memorial Day after a police officer put his knee on his neck for nearly 10 minutes.Since then, some police departments have moved to end the use of carotid holds that stop or slow the flow of blood to the brain. RELATED: More San Diego law enforcement agencies are dropping the use of carotid restraintSan Diego Police was the first local agency to ban the restraint technique and was soon followed by several other departments:Carlsbad Police DepartmentChula Vista Police DepartmentCoronado Police DepartmentEl Cajon Police DepartmentEscondido Police DepartmentLa Mesa Police DepartmentNational City Police DepartmentOceanside Police DepartmentSan Diego Community College Police DepartmentSan Diego County Sheriff’s DepartmentSan Diego Harbor Police DepartmentSan Diego State University Police DepartmentSan Diego Unified School District Police DepartmentUniversity of San Diego Police DepartmentNewsom said that hold has no place in the 21st century. 1278

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

Roman Catholics account for a bit more than 20% of the U.S. population. Yet they are on track to hold six of the Supreme Court’s nine seats now that President Donald Trump is expected to nominate Amy Coney Barrett to fill a vacancy. It’s a striking development given that the high court, for most of its history, was almost entirely populated by white male Protestants. Catholic academics and political analysts offer several explanations for the turnaround. They cite Catholics’ educational traditions, their interest in the law, and – in the case of Catholic conservatives – an outlook that has appealed to recent Republican presidents. Barrett, a favorite of conservative activists for her views on abortion and other issues, will likely be an ideological opposite of liberal icon Ruth Bader Ginsburg, the Jewish justice whose recent death created the vacancy.Margaret McGuinness, a professor of religion at La Salle University in Philadelphia, noted that Sonia Sotomayor is the only current Catholic justice appointed by a Democrat. The others — Chief Justice John Roberts, Samuel Alito, Clarence Thomas and Brett Kavanaugh and likely Barrett – were appointed by Republicans. 1187

SACRAMENTO, Calif. (AP) — Faced with a crippling housing shortage that is driving prices up while putting more people on the streets, California's governor and legislative leaders agreed Thursday on a plan to reward local governments that make it easier to build more housing faster and punish those that don't.The proposed law, which still needs approval by both houses of the Legislature, would let state officials reward "pro-housing" jurisdictions with more grant money for housing and transportation.It also calls for the state to sue local governments that do not comply, possibly bringing court-imposed fines of up to 0,000 a month.The agreement removes one of the final barriers to Newsom signing the state's 4.8 billion operating budget. Lawmakers passed the budget earlier this month, and Newsom has until midnight Thursday to sign it. He has delayed his signature while negotiating the housing package with state lawmakers.The housing plan does not define what local governments must do to be declared "pro-housing," other than passing ordinances involving actions to be determined later.In a joint statement, Gov. Gavin Newsom, Assembly Speaker Anthony Rendon and Senate President Pro Tempore Toni Atkins — all Democrats — said the agreement "creates strong incentives — both sticks and carrots — to help spur housing production across this state."RELATED: Newsom proposes plan to withhold gas tax funds from cities that don't meet housing requirementsCalifornia's population is closing in on 40 million people and requires about 180,000 new homes each year to meet demand. But the state has averaged just 80,000 new homes in each of the past 10 years, according to a report from the California Department of Housing and Community Development.Home ownership rates are the lowest since the 1940s while an estimate 3 million households pay more than 30% of their annual income toward rent.State officials often blame local zoning laws for slowing the pace of construction.In January, Newsom proposed withholding state transportation dollars from local governments that do not take steps to increase housing. Local governments pushed back hard, resulting in Thursday's compromise.The court fines could be difficult to collect. A court would have to rule local officials are out of compliance. And once that happens, jurisdictions would have a year to comply before they would have to pay a fine.If they refuse, the state controller could intercept state funding to make the payment. In some cases, the court could appoint an agent to make a local government comply. That would include the ability to approve, deny or modify housing permits."This bill puts teeth into existing state laws, to ensure cities and counties actually follow those laws," said state Sen. Scott Wiener, a Democrat from San Francisco who is chairman of the Senate Housing Committee. "At the same time, we need to be clear that California's existing housing laws, even with better and more effective enforcement, are inadequate to solve our state's massive housing shortage."Lawmakers have already agreed on most major items in the state budget. They voted to expand taxpayer-funded health insurance to adults younger than 26 who are living in the country illegally.They also agreed to tax people who refuse to purchase private health insurance and use the money to help families of four who earn as much as 0,000 a year to pay their monthly health insurance premiums.Lawmakers have not yet voted on details of a plan to spend 0 million from the state's cap and trade program to help improve drinking water for about a million people. 3635

SACRAMENTO, Calif. (AP) — The California state Senate has approved a measure that would guarantee all registered voters get a ballot in the mail before the November election. Democratic Gov. Gavin Newsom has already ordered ballots to be mailed. But Republicans have sued, arguing his order is illegal. The bill that cleared the Senate on Thursday is an attempt by lawmakers to make sure it happens anyway. Most California voters already vote by mail. Still, some Republican state senators opposed the bill because it would let election officials count mail-in ballots if they are received within 20 days of the election instead of three days. 651