朝阳市指尖姐姐美甲加盟电话多少钱延庆县桔子美甲加盟电话多少钱,丽江市绚境轻奢美甲加盟电话多少钱,彭水发下美甲加盟电话多少钱,沙坪坝区嗨创美365美甲加盟电话多少钱,温州市虞妃妮美甲加盟电话多少钱,葫芦岛市美甲加盟店投资多少钱电话多少钱,柳州市轻奢美甲加盟电话多少钱

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. (KGTV) - A bill working its way through the California State Legislature could require bike lanes and other "active transportation" amenities to be built on state-owned roads.Senate Bill 127 states that "any capital improvement project located in an active transportation place type on a state highway or a local street crossing a state highway that is funded through the program, shall include new pedestrian and bicycle facilities, or improve existing facilities, as part of the project."It means any time Caltrans wants to repave or resurface a part of a State Highway or a highway overpass or underpass, they must add some kind of bike/walking lane or safety measures.San Diego Legislator Tasha Boerner Horvath co-wrote the bill. She sent the following statement to 10News:“My district is a hub for all things that involve outdoor recreation — biking, walking, jogging, skateboarding — you name it and my constituents enjoy doing it throughout our beautiful district. SB 127 is a major move forward in identifying and funding important bike and pedestrian paths to connect people with the places they want to go. In addition, it will bring us an important step further on ensuring highway overpasses in my district have the bike and walking facilities they need to connect inland communities to the coast. This is important for safe routes to schools for our kids as well as folks accessing our stunning beaches.”Members of the San Diego Bicycle Coalition support the bill, saying it will make it easier for people to commute to and from work. They also say it will help fund more "active transportation" projects."The funding is always an issue," says SDBC Advocacy Coordinator Jennifer Hunt. "This is a great way to get that extra, additional funding and just to get more people out safely using biking and walking."The bill has passed the State Senate and is now in the Assembly. The California Legislature is on recess until August, but the bill will be in committee soon after they reconvene. 2028

SACRAMENTO, Calif. (AP) — A highly decorated U.S. Forest Service police dog suffered nine stab wounds during a marijuana raid in Northern California. But he survived after he was airlifted to a veterinary clinic. What's more, it's the second time the dog, named Ice, recovered after being seriously injured. The agency said Friday that Ice was wounded late last month in the Klamath National Forest south of the Oregon border. He kept hold of the suspect even after he was stabbed. A helicopter flew Ice to a veterinary clinic in Medford, Oregon. The agency says Ice had multiple stab wounds that were more severe during a similar raid in 2016. 652

SACRAMENTO, Calif. (AP) — California will reconsider life sentences for up to 4,000 nonviolent third-strike criminals by allowing them to seek parole under a ballot measure approved by voters two years ago, according to court documents obtained by The Associated Press on Thursday.The state will craft new regulations by January to include the repeat offenders in early release provisions. Gov. Jerry Brown also will not appeal a court ruling that the state is illegally excluding the nonviolent career criminals from parole under the 2016 ballot measure he championed to reduce the prison population and encourage rehabilitation.The state parole board estimates between 3,000 and 4,000 nonviolent third-strikers could be affected, said corrections department spokeswoman Vicky Waters, "but they would have to go through rigorous public safety screenings and a parole board hearing before any decision is made."RELATED: Ex-con, called poster?child for three-strikes law, sentenced to life in prisonIt's the second such loss for the Democratic governor, who leaves office days after the new rules are due. Another judge ruled in February that the state must consider earlier parole for potentially thousands of sex offenders. The administration is fighting that ruling, which undercuts repeated promises that Brown made to voters to exclude sex offenders from earlier release.Prosecutors are not surprised and warned throughout the Prop. 57 campaign that nonviolent third-strikers would unintentionally fall under the measure's constitutional amendment, said California District Attorneys Association spokeswoman Jennifer Jacobs."We expect the same exact thing to happen with regard to sex offenders," she said. "To fix this they're going to have to go back to the people for a vote, which can't even happen for another two years."RELATED: How some states are reducing the prison populationBrown will not appeal last month's ruling by a three-judge appellate panel in the Second Appellate District in a Los Angeles County case that third-strikers must be included under Proposition 57's constitutional amendment. It requires parole consideration for "any person convicted of a nonviolent felony offense" regardless of enhancements under California's three strikes law."There is no question that the voters who approved Proposition 57 intended (inmates) serving Three Strikes indeterminate sentences to be eligible for early parole consideration," the appeals court ruled, adding that, "There is strong evidence the voters who approved Proposition 57 sought to provide relief to nonviolent offenders."Administration lawyers said in a filing in a separate related case that the state "is not seeking review" of the appeals court decision and "is in the process of drafting new emergency regulations in compliance" with the decision by Jan. 5.RELATED: Kim Kardashian makes trip to the White House in the name of criminal justice reformMichael Romano, director of the Stanford Three Strikes Project, called the administration's decision to comply "a big deal, a huge deal."Clients potentially affected by the new decision include inmates serving life terms for stealing a bicycle, possessing less than half a gram of methamphetamine, stealing two bottles of liquor or shoplifting shampoo, he said."It's a monumental decision. It's one of the biggest decisions on sentencing policy in the Brown administration," said Romano, whose project represented third-strike inmates in several appeals.The ruling doesn't guarantee any of the offenders will get out of jail. But it allows them to go before the parole board. Romano estimates 4,000 people will be eligible for parole.Nonviolent third-strikers are disproportionately black, disproportionately mentally ill and statistically among the least likely to commit additional crimes, said Romano, who has studied the issue.He cited corrections department data on more than 2,200 nonviolent, non-serious third strikers who were paroled under a 2012 ballot measure that allowed most inmates serving life terms for relatively minor third strikes to ask courts for shorter terms. Less than 11 percent returned to prison by October 2016, the latest data available, he said, compared to nearly 45 percent for other prisoners. 4266

SACRAMENTO, Calif. (AP) — A new report says California, which has a declining prison population, could save more than billion by closing eight lockups. The Legislative Analyst’s Office released a report Thursday saying the state has seen a reduction in its inmate population because of early releases and other actions linked to the COVID-19 pandemic. The report also says parole and sentencing law changes may flatten the prison population in the next few years. The report says the population changes, coupled with closing five adult prisons and three juvenile facilities, could save the corrections system .5 billion a year by 2025."The administration has indicated it plans to close one prison in 2021?22 and another in 2022?23 in order to accommodate the ongoing decline in the inmate population, primarily resulting from Proposition 57 (2016)" the analysis reads. "The budget package includes legislation requiring CDCR to inform the Legislature of the specific prisons to be closed by January 10, 2021 and January 10, 2022. The administration estimates the closures will result in 0 million in ongoing savings annually within a few years." 1162