渭南新高一高考复读怎么样碑林封闭学校靠谱的哪家好,泾阳县复读升学率怎么办,鄠邑区高考应届补习班哪里有联系方式,濮阳民办高中正规成绩好,碑林补习机构专业哪里好,渭城区复读实力有哪些,郑州高考复习班实力怎么样

RUSKIN, Fla. — Tampa Bay area businesses have adjusted and adapted during the COVID-19 crisis to meet the needs of their customers. One generous customer decided to leave behind a big tip at a restaurant in Ruskin, which impacted every single employee.“Knowing everything that’s gone on with the pandemic, it really was a good feeling that there’s still some good in the world that they would go out of their way [to] choose our establishment to do the challenge,” said manager Robert Godfrey.For employees at South Shore Pizza in Ruskin, Christmas came early. Godfrey explained a customer came in this week for a large pizza and eight-piece wing order, which would cost about .Instead, the customer tipped ,020 to be divided evenly among the staff.“It means the world to them,” said Godfrey. “That’s unexpected, ‘Oh thank you very much.”The surprise was part of a 2020 tip challenge that took off at the beginning of the year. After the tip was split, employees ended up with about .“I think it’s very generous. It helps a lot,” said Avery Loschinkohl. “A lot of the people working here are teenagers who want to have a part-time job to make some extra money so that really helped a lot.”During a year full of the unexpected, employees ask people to treat each other like family, show strangers kindness, and pay it forward.“There’s still a lot of good in the world. Take care of all your service industry,” said Godfrey.This story was first reported by Mary O'Connell at WFTS in Tampa Bay, Florida. 1516

SACRAMENTO, Calif. (AP) -- California leaders are considering making voting by mail a permanent option for all registered voters.This year, the state required county elections officials to mail a ballot to all registered voters ahead of the election, for an extra cost of about million. The goal was to have fewer people vote in person because of the coronavirus.Nearly 60% of registered voters cast ballots before Election Day. Now, the state's Democratic leaders are considering making it a permanent option.Senate President Pro Tem Toni Atkins and Assembly Speaker Anthony Rendon have endorsed the idea. Lawmakers would have to figure out how to pay for it. 672

Russian President Vladimir Putin boasted Thursday of new weaponry that will render NATO defenses "completely useless" -- and delivered a warning to the world about Russia's resurgent military might.In an annual address to the Russian parliament, the Kremlin leader said Russia had developed a new, nuclear-capable cruise missile with "unlimited" range that is capable of eluding air-defense systems.He also said Russia had developed an "invincible" missile that can deliver a warhead at hypersonic speed.Putin is running for reelection in mid-March on a platform that emphasizes his strength as a leader. And Thursday's speech was an occasion for the Russian President to showcase his country's strides in military technology."Russia still has the greatest nuclear potential in the world, but nobody listened to us," he said. "Listen now."One new development: The creation of a low-flying cruise missile capable of stealthy operation. Putin said the missile would be nuclear-powered and showed a video simulating its flight."Since the range is unlimited, it can maneuver as much as necessary," Putin said.Another military development, Putin said, was a weapon capable of flying "like a meteorite" at several times the speed of sound."It will be practically invulnerable," he said. "The speed will be hypersonic."Putin has long fumed over the decision of President George W. Bush to withdraw from the 1972 Anti-Ballistic Missile Treaty and deploy missile defenses. In his remarks, the Russian president said Moscow's new arsenal had been developed in response to Washington's moves."We are creating state-of-the-art systems for Russia's strategic weapons in response to the unilateral US withdrawal from the ABM Treaty," Putin said.Putin said Russia has developed other new weaponry, including unmanned underwater vehicles capable of moving at great speeds. The Russian President also responded to the Trump administration's recent Nuclear Posture Review, which calls for enhancing the flexibility of the US nuclear deterrent.The US review is "of great concern," Putin said, asserting that it potentially lowers the bar for the use of nuclear weapons.The United States remains the world's largest military spender. According to the Stockholm International Peace Research Institute, the US outspends Russia by a factor of around 10, according to its latest figures online.Russia's foreign policy has been much muscular in recent years, however. Putin deployed his air force to Syria in the autumn of 2015 to back the forces of Syrian President Bashar al-Assad, turning the tide of war in favor of the regime. Russia's Syria intervention has also become an occasion for Russia to showcase some of its latest conventional weaponry, including new aircraft.But in his remarks, Putin maintained that Russia's military posture is purely defensive in nature."We've never had an intention of attacking anybody," he said. "Russia will only retaliate if it is attacked."Russia remains "interested in normal constructive relationship with the EU and America," he added.  3070

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) — An attorney and immigrant rights activist is the first person living in the U.S. illegally to be named to a statewide appointment in the nation's most populous state, California's Senate leader announced Wednesday.The Senate Rules Committee appointed Lizbeth Mateo to be an adviser on college access and financial aid. Senate President Pro Tem Kevin de Leon framed the decision as a rebuke of Republican President Donald Trump's immigration policies.As a member of the Student Opportunity and Access Program Project Grant Advisory Committee, Mateo will advise the California Student Aid Commission to help low-income and marginalized people attend college. The position is not paid.The Senate Rules committee, which oversees such appointments, does not have a record of ever before confirming a person living in the country illegally to a statewide position, according to de Leon's office.Matteo, 33, was born in Mexico and moved to California with her parents at age 14. She was the first person in her family to earn a college degree."I hope to be able to draw from my own experiences as an undocumented, first generation college graduate," she said in a statement. "I have no doubt that California can do more for all underrepresented students, especially in regions with low college participation rates, and I appreciate the opportunity to be able to help in any way I can."De Leon announced Mateo's appointment the day after Trump visited California to view prototypes of his proposed border wall and a week after the U.S. Justice Department sued the state over policies that limit cooperation with federal immigration authorities. Democrats who run California government, including de Leon, vehemently oppose the wall and Trump's conservative stance on immigration.Matteo's appointment comes as the U.S. Congress is struggling to reach an agreement about the Deferred Action for Childhood Arrivals program, which grants temporary protected status to people living in the country illegally who came to the U.S. as children. The program's future is uncertain after Trump attempted to cancel it last year and tasked Congress with reauthorizing it.Although she isn't a DACA recipient herself, Mateo has been a vocal advocate of the program.Assemblyman Travis Allen, a Republican from Huntington Beach, criticized the appointment."This is an insult to every California citizen and legal resident," he said in a statement. "The California Democratic Party now prioritizes illegal immigrants over California citizens."But De Leon said Mateo embodies California values."Ms. Mateo is a courageous, determined and intelligent young woman who at great personal risk has dedicated herself to fight for those seeking their rightful place in this country," he said in a statement. 2806