Table of Content
Newsom leads in all demographic groups, with the exception of men (45% Newsom, 44% Dahle) and those with a high school diploma only (46% Newsom, 49% Dahle). The share supporting Newsom grows as educational attainment increases (46% high school only, 56% some college, 60% college graduates), while it decreases with rising income (64% less than $40,000, 56% $40,000 to $79,999, 52% $80,000 or more). With persistent inflation and concerns about a possible recession in the future, an overwhelming majority of Californians believe the US economy is in not so good (43% adults, 40% likely voters) or poor (33% adults, 36% likely voters) shape.
Real estate Mortgage rates inch closer to 7%, remain at 20-year high The average rate on the 30-year fixed mortgage edged up to 6.94% from 6.92% last week, according to Freddie Mac. Real estate Mortgage rates top 7% for first time since April 2002 The rate on the average 30-year fixed mortgage hit 7.08%, up from 6.94% the week prior, according to Freddie Mac. Real estate Pending home sales drop more than expected in September The National Association of Realtors’ index of pending home sales dropped 31% in September compared with the same month a year ago. Real estate A piece of submerged land in Florida is for sale at $43M Buying and selling submerged land is not for the faint of heart with years-long legal battles and environmental pushback derailing many new projects. Real estate Existing home sales fall for 9th straight month in October Sales of previously owned homes declined 5.9% in October from the prior month to a seasonally adjusted annual rate of 4.43 million.
Approval Ratings
Transaction data will be especially useful for these purposes, and help bring an end to the current reliance on the three-digit social credit scores derived from credit reports that are cloaked in secrecy and rife with inaccuracies. Finally, financial companies can find new ways to underwrite and score with less bias. Today, many companies are now exploring new underwriting models that return to core principles – assessing ability to repay without attempting to use outside information to model a consumer’s presumed ability to repay.
Approval of Congress among adults has been below 40 percent for all of 2022 after seeing a brief run above 40 percent for all of 2021. Fewer than half across regions and demographic groups approve of Congress. Specifically, we expect that the public will gain more bargaining leverage once data holding companies must share authorized consumer data with authorized third parties. And, this will lead to more shopping by consumers both because they have the leverage to walk away and because they will have access to more tailored products and services. This map highlights the five geographic regions for which we present results; these regions account for approximately 90 percent of the state population. With all 80 state assembly positions and half of state senate seats up for election, fewer than half of adults (49%) and likely voters (43%) approve of the way that the California Legislature is handling its job.
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We analyze the results of those who live in competitive house districts as determined by the Cook Political Report’s 2022 House Race Ratings updated September 1, 2022. These districts are 3, 9, 13, 22, 27, 40, 41, 45, 47, and 49; a map of California’s congressional districts can be found here. Majorities of California adults (53%) and likely voters (52%) approve of the way President Biden is handling his job, while fewer disapprove (43% adults, 47% likely voters).
Mark Baldassare is president and CEO of the Public Policy Institute of California, where he holds the Arjay and Frances Fearing Miller Chair in Public Policy. He is a leading expert on public opinion and survey methodology, and has directed the PPIC Statewide Survey since 1998. He is an authority on elections, voter behavior, and political and fiscal reform, and the author of ten books and numerous publications.
California Voter and Party Profiles
Before joining PPIC, he was a professor of urban and regional planning in the School of Social Ecology at the University of California, Irvine, where he held the Johnson Chair in Civic Governance. He has conducted surveys for theLos Angeles Times, theSan Francisco Chronicle, and the California Business Roundtable. Real estate 10 kitchen renovations that will hurt your home’s value A kitchen is often the first room people choose to refurbish in a new property, but they don't always look far enough ahead to when it's time to sell. A competitive market would also lead to unbundling where companies compete on individual products, rather than relying on captive customers or cross-selling scams. When markets aren’t competitive, we feel that we need to buy additional services from a provider we already worked with. One reason that the current ecosystem is unstable is that many companies currently access consumer data through activities like screen scraping.
Real estate Latino homebuyers hit harder with 'affordability crisis' The combination of rising interest rates and high home prices has left them feeling homeownership is out of reach. Real estate Home improvements that are not legal to do yourself While it may be cheaper to undertake a home project yourself, there are certain circumstances when the law requires homeowners to call in the professionals. A more open ecosystem that is broadly inclusive of both consumers and businesses holds great promise. Our rulemaking will not turn on a switch, but I hope it will move us in that direction.
Copyright
While Americans are becoming numb to routine data breaches, including massive ones like the Equifax failure, we know that more needs to be done to stop this underworld from intercepting even more highly sensitive personal data. Rather than rely on black-box models that people can’t make sense of, lending can move back to real-world data about someone’s ability to pay back a loan. This will eliminate bias and reliance on credit scores and other proxies.
About a quarter of adults (3% excellent, 20% good) and likely voters (2% excellent, 23% good) feel positively about the national economy. Strong majorities across partisan groups feel negatively, but Republicans and independents are much more likely than Democrats to say the economy is in poor shape. Solid majorities across the state’s major regions as well as all demographic groups say the economy is in not so good or poor shape. In a recent ABC News/Washington Post poll, 24 percent (3% excellent, 21% good) of adults nationwide felt positively about the US economy, while 74 percent (36% not so good, 38% poor) expressed negative views. In an open and competitive market, it is easy for individuals to fire, or walk away from, their financial provider for whatever reason.
The data relating to real estate for sale on this web site includes listings held by MLS-IDX Participants of the Internet Data Exchange program of the Multiple Listing Service of the Pocono Mountains Association of Realtors®. Listings marked with the Internet Data Exchange logo are not necessarilty the listings of the owner of this web site. All listing data is the copyrighted property of the aforesaid Associations and its MLS-IDX Participants with all rights reserved. The information contained herein is believed to be accurate, but no warranty as such is expressed or implied.
Direct deposits need to be reset, as do scheduled payments linked by ACH or debit card. And consumers need to take these actions, while managing day-to-day liquidity issues. Our rule will facilitate third party companies that offer services to make switching recurring payments easier. For buyers and sellers of elite homes, Long & Foster's luxury real estate services are unmatched. No other brokerage in our markets sells more high-end residential real estate.
First, we expect to propose requiring financial institutions offering deposit accounts, credit cards, digital wallets, prepaid cards, and other transaction accounts to set up secure methods, like APIs, for data sharing. For instance, individuals who want to switch providers will be able to transfer their account history to a new company, so they don’t have to start over if they are unsatisfied with the service provided by an incumbent firm. For example, even when large institutions that share personal data with their customers use APIs, there is no guarantee those institutions don’t play games on availability, latency, and critical data points, like price.
Additionally, we utilized a registration-based sample of landline phone numbers for adults who are registered to vote in California. All landline telephone exchanges in California were eligible for selection. After a household was reached, an adult respondent was randomly chosen for interviewing using the “last birthday method” to avoid biases in age and gender. Findings in this report are based on a survey of 1,715 California adult residents, including 1,263 interviewed on cell phones and 452 interviewed on landline telephones. The sample included 569 respondents reached by calling back respondents who had previously completed an interview in PPIC Statewide Surveys in the last six months. Interviewing took place on weekend days and weekday nights from October 14–23, 2022.
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