濮阳东方男科医院割包皮手术多少钱濮阳东方医院看阳痿评价很不错,濮阳东方医院男科看阳痿价格便宜,濮阳东方医院妇科做人流收费不高,濮阳东方医院男科割包皮价格,濮阳东方医院治阳痿技术值得信赖,濮阳东方男科线上挂号,濮阳东方医院男科看阳痿评价非常高

SACRAMENTO, Calif. (AP) — Gov. Gavin Newsom's first act as governor Monday was to propose state-funded health coverage for 138,000 young people in the country illegally and a reinstatement of a mandate that everyone buy insurance or face fines.Newsom also proposed giving subsidies to middle-class families that make too much to qualify them under former President Barack Obama's health care law. He signed an order giving the state more bargaining power in negotiating prescription drug prices and sent a letter to President Donald Trump and congressional leaders seeking more authority over federal health care dollars.Newsom was elected following a campaign that leaned heavily on his promise to provide health coverage to everyone. His actions hours after he took the oath of office take a step in that direction but the 0 million price tag will require approval from the Democratically controlled Legislature.His proposals were a preview of his budget to be released later this week. They mirror ideas pushed last year by Democrats in the Assembly, who were unable to convince former Gov. Jerry Brown to embrace them.California has a projected surplus of billion.Obama's health law required everyone in the country to buy insurance or pay a penalty, a controversial policy meant to ensure that the insurance pool has a mix of healthy and sick people. The penalty was zeroed out in 2017 by the Republican Congress and President Donald Trump. Insurance companies, concerned that only people with expensive health problems would buy coverage, responded by raising premiums for people who buy their own coverage without going through an employer.California would join Massachusetts, New Jersey and Vermont as states with their own insurance mandates.Obama's health law also created subsidies to help people buy coverage if they don't get it from an employer or a government program such as Medicare or Medicaid. The subsidies cover a large share of the cost for people with modest incomes but phase out as incomes rise, topping out at about ,000 per year for an individual and 0,000 for a family of four.With high monthly premiums and large deductibles before insurance kicks in for many services, those plans can be too expensive for many, especially those who lack a federal subsidy. Newsom would use 0 million in state money to make the subsidies larger for 1.1 million families that already get them and provide new assistance to about 250,000 people who make too much.Newsom's plan would provide financial assistance for individuals who make up to about ,000 a year and families of four making up to 0,000.California's uninsured rate has dropped from 16 percent in 2013 to just over 7 percent four years later. Many of those who still lack coverage are ineligible for publicly funded programs, such as Medi-Cal and private insurance subsidies, because they're living in the country illegally.Medi-Cal, the state's version of Medicaid, is jointly funded by the state and federal government and provides coverage to one in three Californians.California uses state money to extend Medi-Cal coverage to people living in the country illegally up to age 19. Newsom proposes pushing back the cutoff to age 26, covering an additional 138,000 people at a cost of about 0 million a year, according to Newsom's spokesman, Nathan Click.Newsom signed an executive order directing state agencies to move toward purchasing drugs in bulk for all of the 13 million people on Medi-Cal. Purchasing for all but 2 million people is currently handled by the private insurers that serve as managed care organizations. Newsom hopes bulk purchasing drugs will give the state enormous bargaining power to negotiate lower prices.His order directs state agencies to explore letting others, including employers and private insurers — join the state's purchasing pool. 3877

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

ROCKFORD, Ill. -- As many police departments continue to struggle to reflect the diversity of the cities and municipalities, some are looking to a return to old school policing as a solution. One city grappling with violent crime is embedding officers in the thick of it. It’s a way to have a personal stake in policing their own neighborhood.Eighteen-year police force veteran Patrice Turner knows the streets of Rockford, Illinois, like the back of her hand.“This is my stomping grounds," said Turner. "I used to walk up and down this street. You know when I went to West Middle School here.”She grew up in Rockford, a town about 75 miles northwest of Chicago that has one of the highest crime rates in the country.“I drive through the lot and make sure it's OK. It’s actually been robbed a few times,” said Turner as she patrolled her route near a shopping center.For the last three years, she’s been part of a unique policing program working as a resident officer community keeper or ROCK.“They're actually living in that community,” explained Rockford’s assistant deputy chief, Mike Dalke. “They have a car squad car that they take home that's parked in front of their house and their job really is to build capacity, build trust within that community."Turner lives rent-free, embedded in the community. Her name and number are boldly displayed outside her house.“So yeah, there is there is little sense of anonymity, that's for sure,” said Turner.Police residency requirements fell out of favor in the early 20th century.According to government data, in 75 U.S. cities with the largest police forces, on average 60% of police officers live outside the city limits.Research suggests residency requirements don’t necessarily translate to public confidence in the police.Still, the ROCK program hopes personal interaction will build trust at a time when relations between police and communities of color across the nation are inflamed.Turner knows mending those relationships won’t come until the fractures of the past are dealt with.She says she’s trying to do that as an officer who has a vested stake in the community.“You form stronger bonds, you know people no longer see you as just a police officer. They see you as a human,” she said. “They see the officer as the person behind that uniform.”The department says it plans to hire a third ROCK officer soon and believes the model could work in other cities and municipalities. 2443

SACRAMENTO, Calif. (AP) — California Gov. Gavin Newsom nominated the first openly gay Black man to the state Supreme Court.Newsom nominated Martin Jenkins to the court on Monday. The 66-year-old would be the third Black person to serve on the court if he is confirmed by the Commission on Judicial Appointments.Jenkins would replace Justice Ming W. Chin, who retired at the end of August.Jenkins is a former federal civil rights attorney who prosecuted cross burnings and police misconduct cases under President Ronald Reagan.He was appointed by Republicans and Democrats to four different judgeships. 609

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