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SACRAMENTO, Calif. (AP) — California would bar forced arbitration and nondisclosure agreements under a bill sent to Gov. Jerry Brown on Wednesday that enjoys celebrity backing from some in the #MeToo movement.It would prohibit employers from requiring nondisclosure agreements related to sexual misconduct as a condition of getting or keeping a job. It also would ban employers from requiring arbitration agreements, which can force employees to settle workplace complaints instead of going to court, as a condition of employment.The bill has the backing of actress and activist Jane Fonda and former Fox News anchor Gretchen Carlson.Current law "allows companies to force employee complaints in to secret proceedings" and can be used to protect "serial offenders" in the workplace, said Democratic Sen. Hannah-Beth Jackson of Santa Barbara.Companies can still require arbitration under the bill, but not as a as a condition of employment, she said."To force someone to enter into these agreements is not acceptable, and that's what this bill addresses," she said. The bill "gives people access to justice in a fair and impartial way."The bill would not prevent existing arbitration or nondisclosure agreements from being enforced.Republican Sen. Jeff Stone of Temecula, the only senator who spoke in opposition, called the bill "another job killer" that can drive companies out of California and mainly benefits trial lawyers by forcing more disputes into already overwhelmed courts.Most workers can often get a better and quicker resolution through arbitration than by filing a lawsuit, he said.That may be true for unionized employees whose unions can help choose arbitrators, said Democratic Sen. Connie Leyva of Chino, but she said companies have an unfair advantage over non-union employees because the employer then controls the arbitration process.The measure was approved by the state Senate, 25-12. It was one of a number of bills introduced after dozens of women went public with stories of sexual misconduct.Carlson, who spoke in favor of the bill in May, sued Fox News Channel CEO Roger Ailes in 2016, alleging she was fired for rejecting his sexual advances. Ailes, who died last year, said Carlson's contract prohibited her from going public until both sides first tried closed-door arbitration. Ailes was ultimately forced out of the network because of her allegations. 2393

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) — A staunchly conservative political party in deep-blue California will get to keep its name after the governor vetoed a bill aimed at banning what state lawmakers say are misleading monikers.Gov. Gavin Newsom announced Wednesday he had vetoed a bill that would have banned political parties from using "no party preference," ''decline to state" or "independent" in their official names.The bill would have applied to all political parties. But it was aimed at the American Independent Party, which has been an option for California voters since 1968.More California voters are registering with no party preference, now accounting for 28.3% of all registered voters. If "no party preference" were a political party, it would be the second largest in the state behind the Democrats.Critics say the American Independent Party has benefited from this trend because its name confuses voters into believing they are registering as independents. The party makes up 2.59% of California's registered voters, making it the third largest political party in the state after the Democratic Party at 43.1% and the Republican Party at 23.6%.In 2016, the Los Angeles Times surveyed the party's registered members and found most did not know they had registered to vote with the party. But Newsom said he vetoed the bill because he worried it was unconstitutional."By requiring one existing political party to change its current name, this bill could be interpreted as a violation of the rights of free speech and association guaranteed by the First and Fourteenth Amendments to the U.S. Constitution," Newsom wrote in his veto message.Representatives for the American Independent Party did not respond to an email and phone call seeking comment. The party's website says it nominated Donald Trump for president in 2016 and "God willing, 2020."Democratic Sen. Tom Umberg, the bill's author, warned the mistaken registration could have electoral consequences. People registered with another political party would not be allowed to vote in the state's pivotal Democratic presidential primary in March.But Newsom signed another bill by Umberg that could help people rectify any registration mistakes. The law, signed Tuesday, allows voters to register to vote or update their registration at all polling places on election day.If people show up to vote in the Democratic presidential primary and are ineligible because they are registered with the American Independent Party, they can change their registration on the spot and cast a ballot. The ballot would be conditional, meaning it would not be counted until after the person's registration could be verified. 2676

RICHMOND, Va. -- Some parents and teachers use coloring books to educate kids. Mark Loewen created a coloring book series that celebrates LGBTQ families and educates others about them."One day I was looking for coloring books and I wanted something positive," Loewen said. "Something that was about families. And there was nothing at all that had families like ours." WTVR Mark Loewen created a coloring book series that celebrates LGBTQ families and educates others about them. According to U.S. Census data, 66% of female same-sex couples and 44% of male same-sex couples live with children.Fewer than half of kids younger than 18 are living in a home with two married heterosexual parents in their first marriage, so two moms and two dads can reference stepparents as well."The image of one mom, one dad, one son, one daughter, one cat, one dog is not at all the majority," Loewen said.He came up with the idea for the coloring book after his daughter told him kids had questions about her living with two dads. He will be the first to tell you that a coloring book like this might not be for everyone. WTVR Mark Loewen created a coloring book series that celebrates LGBTQ families and educates others about them. "I think of two kinds of families that would want a coloring book of LGBTQ families. One, the families that have LGBTQ family members, because they can see themselves. And number two, the families that want their child to be exposed to families that are different to theirs," he said."It's awesome!” mother Chrissy Moseley said. “The moment she picked it up she was excited because she saw that she was like, 'Look mommy, there are two moms in here. There are two dads.'""Parents need to make their kids aware that love is love in any form it wants to be," Chrissy’s wife Brenda said.Coloring outside the lines, in all colors of the rainbow, is Building Better Minds.This story was first reported by Rob Cardwell at WTVR in Richmond, Virginia. 2050

SACRAMENTO, Calif. (AP) — A man charged with killing a rookie California police officer made his first brief court appearance Monday wearing a four-inch gauze pad covering what officials said was a self-inflicted injury.Adel Sambrano Ramos was appointed a public defender during a five-minute court hearing, and spoke only to acknowledge his name.Ramos, 45, faces a murder charge that could bring him the death penalty in Wednesday's slaying of 26-year-old Sacramento Officer Tara O'Sullivan. He's also charged with attempting to murder her training officer and with possessing two illegal assault-style rifles.He did not enter a plea.Assistant Chief Deputy District Attorney Rod Norgaard defended police from criticism that they took 45 minutes to rescue O'Sullivan with an armored vehicle because they were pinned down by rifle fire that could penetrate standard bulletproof vests."There was nothing that could have been done to save her life," he said after the hearing. "The nature of that injury is such that it could happen in an emergency room and she would not be save-able. So I find it very disheartening that people are criticizing the police response time to evacuate her. That has no merit whatsoever."He also took exception to questions of whether O'Sullivan was properly trained."Nothing in the training or lack thereof is the cause of this," he said. "There is an individual responsible for this, not law enforcement."Assistant Public Defender Diane Howard declined comment, as did Police Chief Daniel Hahn, who sat quietly in the back of the courtroom. Hahn was one of at least a dozen uniformed police officers and deputies watching as the hearing unfolded.Ramos was shackled at the hands, waist and ankles and surrounded by three deputies in the courtroom's holding cage. Two more stood just outside the cage.He was wearing a standard orange jail uniform during the hearing, though officials said that has been taken away from him at the jail after he tried to harm himself Sunday morning.Ramos suffered "some self-inflicted head wounds. He had smashed his head against a bed frame in his cell," Sacramento County Sheriff's Sgt. Tess Deterding said before the hearing.Jail employees immediately stopped him from further injury and took him to an outside hospital, she said. He was returned to the jail 12 hours later.He's now in a psychiatric wing of the jail "where we've taken even further precautions to make sure he doesn't hurt himself like that," Deterding said.He is under constant watch in what is called a safety cell, which has no bunk or other furnishings."Obviously we can't take away the walls and floor," she said, but "there's nothing inside the room. It's just basically four walls."He is provided a thin mattress and what is known as a suicide smock instead of regular jail garb: "It's tear-resistant, things like that, they can't turn it into a noose," she said. There are mental health employees in that unit in the event they are needed or requested by Ramos.Ramos also has had no contact with other inmates since he arrived.Memorial services for a O'Sullivan are set for Thursday at the Bayside Church's Adventure Campus in Roseville, California. She was fatally shot during a domestic violence call as she and other officers helped an unidentified woman pack her belongings from the garage of a North Sacramento home, authorities said.Authorities said Ramos was heavily armed with assault rifles, a shotgun and a handgun and fired dozens of times at officers during an hours-long standoff before surrendering. 3558