梅州盆腔炎的症状及原因(梅州尿道炎需要注意什么) (今日更新中)

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) -- California's confirmed coronavirus cases have topped 409,000, surpassing New York for most in the nation.John's Hopkins University data showed Wednesday that California now has about 1,200 more cases than New York.However, New York's 72,302 deaths are by far the highest total in the country and nine times more than California's tally.RELATED: SD County COVID-19 TrackerNew York's rate of confirmed infections of about 2,100 per 100,000 people is twice California's rate.U.S. government data published Tuesday found that reported and confirmed coronavirus cases vastly underestimate the true number of infections. 649

RICHMOND, Va. — Crews have arrived to remove a statue of Confederate General J.E.B. Stuart from Richmond's Monument Avenue — an area of the city that contains several Confederate statues that Mayor Levar Stoney has promised to remove.The J.E.B. Stuart monument is one of about a dozen statues Stoney has ordered be removed from city property.Statues of Confederate General Stonewall Jackson and Confederate Naval Commander Matthew Fontaine Maury were removed from Monument Avenue last week and taken to an undisclosed location. A statue of Confederate President Jefferson Davis was toppled by protesters last month.A statue to Confederate General Robert E. Lee is located on state-owned property and could be removed once legal challenges to its removal make their way through court.The Stuart statue, erected in 1907, is the first monument Stoney promised would be removed following the holiday weekend.The mayor said it would cost .8 million to remove the statues. He said the money would come from the Department of Public Works and be reimbursed by a private fund.While city attorney Haskell Brown told Richmond City Council that Stoney did not have the power to remove statues, Stoney said he believed he is on sound legal ground to remove the statues using his emergency powers as the Emergency Management Director."That's in our Emergency Operations Plan. That is also the part of the governor's declaration of emergency that I'm the emergency manager," Stoney said. "And also, the City Council spoke to this in June 8, when they passed a resolution ordinance that gave me such powers."Stoney said over the course of the last several weeks, thousands have gathered in the city, and there have been more than 139 calls of service along the Monument Avenue corridor.The mayor said failing to remove the statues presented a severe, immediate and growing threat to public safety.Stoney said the removed statues would be placed in temporary storage while Richmond enters a 60-day administrative process during which the city will solicit public input while determining the fate of the statues.This story was originally published by Gabrielle Harmon and Scott Wise on WTVR in Richmond, Virginia. 2206

SACRAMENTO, Calif. (AP) — California voters could decide in 2020 whether it should be easier for their local governments to raise taxes and issue bonds for affordable housing, road improvements and other public projects.A constitutional amendment proposed Wednesday would lower how much voter support communities need to raise money for infrastructure projects from two-thirds to 55 percent.Assembly Democrats say the current threshold allows a minority of voters to derail needed projects."These two-thirds thresholds are meant to enable a boisterous minority to impede progress," said Assemblyman Todd Gloria of San Diego.But taxpayer advocates said it would make things more expensive for homeowners in particular because it could lead to more parcel taxes, a flat tax levied on property owners."If this passes it's going to be devastating for property owners," said David Wolfe, legislative director for the Howard Jarvis Taxpayers Association.Constitutional amendments need support from two-thirds of lawmakers to land on the ballot, and the backing of a simple majority of voters to become law.Assemblywoman Cecilia Aguiar-Curry, a Democrat sponsoring the amendment, said she hopes to place it on the November 2020 ballot. That would coincide with the presidential election, which usually draws the highest voter turnout and millions more Democrats than Republicans.It would apply to projects including affordable housing, wastewater treatment, fire and police buildings, parks, public libraries, broadband expansion, hospitals and more.Local governments typically fund those projects through bonds or special taxes, like the parcel tax or a dedicated sales tax.The 55 percent threshold would still be higher than the simple majority communities need to raise general taxes, such as sales taxes not dedicated to special projects.Democrats highlighted projects that have narrowly missed the two-thirds threshold to make their case, such as a recreation center restoration in Millbrae and road repairs in Eureka."I have heard about deteriorating buildings, decrepit community facilities and our extreme lack of affordable housing," said Aguiar-Curry, a former mayor of a small rural California city. "This will empower communities to take action at the local level to improve the economies, neighborhoods and residents' quality of life."But Wolfe, of the taxpayers association, said the list of allowable projects is broad and could lead to a slew of new tax and bond proposals from cities and counties that could saddle taxpayers for years."These are pretty encompassing categories and there's no limit," he said. "You're talking about long-term debt that lasts for decades." 2688

SACRAMENTO, Calif. (AP) — The California Democratic Party is investigating allegations of sexual misconduct against chairman Eric Bauman.A party vice chairman, Daraka Larimore-Hall, brought the charges against Bauman last week on behalf of anonymous accusers and called for Bauman's resignation. Larimore-Hall alleged that Bauman sexually harassed and assaulted people during party functions.Larimore-Hall spoke to two accusers and a witness, the Sacramento Bee newspaper reported."I take seriously any allegation brought forward by anyone who believes they have been caused pain," Bauman said Saturday in a statement announcing the investigation. "I look forward to putting these allegations behind us and moving forward as unified Democrats."An outside investigator is looking into the claims. Other California Democrats have already called for Bauman to be replaced, including U.S. Rep. Ro Khanna and the Orange County Young Democrats.A series of sexual misconduct allegations against lawmakers, lobbyists and others in politics rocked California's political world late last year, at the height of the #MeToo movement. Three Democratic men resigned as state lawmakers after investigators hired by the Legislature found they likely engaged in inappropriate behavior.In a letter to the party last week calling for Bauman's removal, Larimore-Hall said stories from Bauman's accusers illustrate a "clear and escalating pattern" of inappropriate behavior.Larimore-Hall did not respond to a request for comment Monday from The Associated Press.Bauman narrowly won the party chairmanship last year against Kimberly Ellis after a contentious battle between establishment Democrats and progressive activists.During that fight, Bauman said he was falsely targeted by rumors he engaged in inappropriate behavior with teenage boys. Bauman is the party's first openly gay chairman.Bauman called the rumors "despicable lies," and Ellis denounced them.Party officers can be removed from office by a vote of the executive board. Larimore-Hall's call for Bauman's removal still has several steps to clear before reaching a vote. 2122

来源：资阳报