1676809455 BBB 23 Larissa irritated by Fred Desimpedidos joke shoves Marvvila

BBB 23: Larissa, irritated by Fred Desimpedido’s joke, shoves Marvvila and is scolded by the production;…

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Sister was upset after a joke at the after party this morning (19)

Image: Playback/GloboImage: Playback/Globo

O After the party at this morning BBB 23 something to talk about! During “After Dos Crias” some brothers made a mess of the room and ended up taking production warning of the program for the dirt in the rooms. However, a scene between the brothers sparked controversy online.

turns out Larissa got annoyed by the jokes again and got upset, yelled along free fred as he splashed moisturizer on her face. Irritated, she finally hit the journalist and even pushed him Marvvilla. Larissa even got “attention” from the production, but many Internet users are demanding that her sister be thrown out.

> Image: Playback/Globo

The pictures do not show exactly whether Fred was hit or was able to dodge. Shortly thereafter, Marvvila approached Larissa, who gave a little push to get rid of the singer. “If you want After Dos Crias, remember not to activate Satan mode,” the artist joked. “Out,” snapped the gym teacher.

Minutes later, the tone of attention rang out in the room, with someone urging colleagues to stop the fight. “Larissa, attention,” warned the production. “Am I paying attention? Fred pours cream on me and I [que levo] Attention? Go on, put it in the K*,” she shot. Then Marvvila tried to reassure her sister: “You enjoy it as much as we do, stop being boring. It’s a body moisturizer,” the singer said. “Look over there. I’m the only one watching. Fred, that son of a bitch, don’t take that,” Larissa fired, irritated.

On the Internet, the scenes resonated and soon the hashtag #LarissaExpulsa was among the most commented on on Twitter: “Yes, people need to be kicked out, Hariany was also kicked out for a ‘joke’,” wrote one user. “A lot of people say she didn’t do it right, but she had intentions … And it’s not the first time. These reactions from Larissa are dangerous,” opined another. “Guys, I understand it wasn’t out of spite, but Larissa will end up getting kicked out because she always behaves like that,” said another.

BBB 23: Larissa, irritated by Fred Desimpedido’s joke, shoves Marvvila and is scolded by the production;… Read More »

Trendy nail color 2023 Which colors and patterns are popular

Trendy nail color 2023: Which colors and patterns are popular this year? – DESIGNMAG

A manicure can really change your day or even your week. Taking inspiration from catwalks or stars isn’t a new practice, but one thing is for sure – 2023 has something for everyone. Natural complexion, fuchsia, short nails and long claws – everything is allowed! A lot of stuff actually, with the promise of new trends coming straight off the fashion week runways and innovative nail artists from Instagram. There are several fun nail art and manicure trends to look forward to this spring, so you can find the one that suits you best. There are many trends to choose from, from trendy nail colors to must-try nail art like mushroom designs. Check out our nail art guide 2023 to find the trend color that suits you.

French illusion nails

Manicure trend 2023

It’s a nail trend that’s been taking over our social media feeds lately, and this optical illusion manicure is just what we need when we want something extravagant. The ombre effect creates a three-dimensional look that creates the illusion of light and shadow on the nails. We can also expect to see a twist on the traditional French manicure, with abstract placement turning the simple lines on their head.

The Glazed Donut Nails craze is far from over!

trendy semi-permanent nail polish color

Experts agree: Hailey Bieber’s famous glazed donut nails will continue to be popular in 2023. This trendy nail art gives your hands a very natural look and is the perfect way to shine your nails without the glitter. Result: a very fashionable and minimalist shiny manicure!

Trendy paint color – tiles

What manicure to choose for 2023

The Tommy Hilfiger models walked the runway with some trendy nails, but our absolute favorite was the BCBG hoops in brown and navy, which matched the clothes perfectly. This is an application of the plaid trend that gets noticed.

The subtle and elegant French manicure

what is the trendy nail polish color 2022

The French tip was second to none at the Spring/Summer 2023 New York Fashion Week shows by Alice + Olivia, Tommy Hilfiger, Sandy Liang and Peter Do. From timeless sweeping white tips to a rainbow of color, this style has proven it won’t go away in the new year.

Barbiecore – trendy Polish color

Nail color trend winter 2022

Barbiecore effects have been seen on every catwalk this season, adorning the hands of models at runway shows like Batsheva, Peter Do and more. Pink is the new nude, try different shades. Flashy pink is conquering our wardrobes and now also our hands.

Trendy white manicure 2023!

Nail color trend winter 2023

Have you ever heard of Milky White Nails? NO ? So it’s the new trendy manicure in 2023 everywhere, so you’re sure to come across it! Of course, we’ve seen it on the nails of Jennifer Lopez and Hailey Bieber. A perfect white manicure. If you are looking for minimalist nail art, this is definitely the shade for you. Milky white nails can be used on all nail shapes, but they work best on short oval nails.

sensory nails

what is the trendy nail polish color

Sensory nails with tactile textures will be big news for 2023. Maximalism is definitely here for 2023. Nails will be tactile and feature a variety of textures including 3D decals, gemstones and floral embellishments in a non-traditional use to create texture. This can be worn as a signature nail, on the tips, or in a totally immersive style. From embellishments to textured polishes, we can expect the sensory nail trend of 2023 to rise up in our fingertips.

Additional accents

trendy nail color

For Spring 2023, more is better, so nails should have at least one thing this season. At Fe Noel, silver-inspired nails have been treated with rhinestones. You can add the patterns you like and decorate as you like. For this understated style, the artist placed delicate metallic gold flakes “on top of a beautifully textured manicure,” showing that less is more is true.

Vampy Red – trendy paint color

Trendy nail color 2023

The last trend of the 2000s for a comeback? Nothing but vampire red nails. That extra boldness and pop of color will be ubiquitous for months to come, believe us. Rather than sticking to neutral beige tones, runway models were often spotted with bright red manicures.

Trendy nail color 2023: Which colors and patterns are popular this year? – DESIGNMAG Read More »

1676809215 Examination results of the department The secret of the

Examination results of the department | The secret of the success of the Îles-de-la-Madeleine

Secondary school students on the Magdalen Islands achieved surprising results, to say the least, in the last ministerial exams, both in French and in mathematics. The sum of several factors that together served the students well.

Posted at 5:00 am

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“What is in their genes to achieve such results? The joke, created by a French specialist, expresses the surprise of many when they saw that 95.5% of students in the Magdalen Islands had passed the ministerial French test in lower secondary school last year.

While student pass rates on this exam have declined in most Quebec school service centers, they have increased in the Magdalen Islands.

How can such a success be explained? Right from the start, the director general of the Center de services scolaire des Îles reminds us that the number of students in secondary school 5 is small.

“We have small groups, about sixty students. So a student is worth more than 1%. Down or up, our prices [de réussite] are very volatile. If we were mediocre, it would also appear very quickly,” says Brigitte Aucoin.

Polyvalente des Îles-de-la-Madeleine has 424 students this year.

Examination results of the department The secret of the

PHOTO SUPPLIED BY NATHAËL OUELLET-MIOUSSE

French teacher Nathaël Ouellet-Miousse

“Since we have fewer young people, it might be easier to look at the problematic cases,” agrees Nathaël Ouellet-Miousse, a high school French teacher. “I’m counting them on the fingers of my hand: I can say, ‘You, you and you, I want you to come to recovery, and we’re working on verb conjugations,'” he says.

The teacher insists on one point: we cannot compare the results of the Magdalen Islands, for example, with those of Montreal, where we welcome many immigrant students.

We have a pool of students who grew up speaking French. It certainly plays into the percentage of success.

Nathaël Ouellet-Miousse, high school French teacher

Another factor that may have contributed to this success: Schools have not been closed for very long on the islands due to COVID-19. “We were like in a bubble,” illustrates Ms. Aucoin.

The islands’ schools, she also says, work “a lot” on writing and reading in primary school. The idea: “go beyond the program, so that at the end of each cycle [les] Students become high-calibre readers,” continues Brigitte Aucoin.

French teacher Nathaël Ouellet-Miousse also says that it’s not just his 5th secondary that makes the difference. “It starts in preschool with reading and reading habits,” he explains.

The Call of the Sea

The completion rate at the CSS des Îles-de-la-Madeleine is almost 85%, says the manager. “It’s not an anecdote, it’s a trend, but we’re aiming for 90%. Every percentage point that we will get is more difficult at this point,” says Brigitte Aucoin.

Those rates are “remarkable for a coastal region,” says Denis Richard, program manager at the Madeli-Aide Foundation for Education, an organization that provides scholarships for academic perseverance.

“The lure of fishing is very strong,” says Richard, who notes that education is important in this area.

“I’m an electronics engineer and they have more computers in their boats than I have in my office!” I think people are becoming more aware of that,” continues Denis Richard.

When the fishing season starts, some students have the call of the sea, observes Nathaël Ouellet-Miousse.

I have young people in April who tell me, “I’m going fishing and I’m not coming back.” I tell them: “No, you come back for the exam, your uncle or your father will look for someone else that day.”

Nathaël Ouellet-Miousse, high school French teacher

When he is happy about the good results of his students, Mr. Ouellet-Miousse says that nothing is certain. “Will we have a 75% or even 95% success rate this year? It’s difficult to say. We are a tight-knit community, we were pleased with these results, but we take them with humility,” says the teacher.

Don’t worry, they’re good at French and math, but otherwise the islands’ teenagers are as good as the rest?

Nathaël Ouellet-Miousse laughs.

“Yes, they are like the others. They don’t like French very much and my hobby is to make it interesting. I want them to understand that I am able to safely steer the boat with minimal effort,” concludes Nathaël Ouellet-Miousse.

Learn more

  • 95.5% 2022 pass rate of Îles-de-la-Madeleine pupils in the 5th secondary French exam

    Source: Ministry of Education

  • 88.0% 2022 pass rate of students from Magdalen Islands in mathematics exam of upper secondary school

    Source: Ministry of Education

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1676809111 Garcia Harfuch the policeman who is leading the elections without

García Harfuch, the policeman who is leading the elections without standing as a candidate

The polls stubbornly explain the head of government of Mexico City, June 2024, the Secretary of State for Public Safety, Omar García Harfuch. For this reason, nowadays dozens of websites wonder who García Harfuch is, his life and miracles. But the question is not who, but why. Why does the public award more than 20 points above his perceived political opponents to a man who has repeatedly ruled out running for that position? Why don’t some of the scandals that have plagued the law-educated cop’s career tarnish his image in the slightest? Why do voters think the secretary is the ideal figure to guide the fortunes of one of the world’s largest and most complex cities? Some reasons can be ventured.

Omar Hamid García Harfuch, 40, is a discreet person at his public demonstrations, which he dedicates to briefly mentioning his achievements in keeping the city safe, where statistics reflect a remarkable drop in homicides and other crimes. The perceived social tranquility is also measured in citizens’ perceptions and it is likely that in the capital they have noticed the crime-fighting policing efficiency that the local government possesses. Mexico City is one of the few “Islands of Peace” mentioned by scholars of the violence experienced practically across the country, a top concern for Mexicans. It is therefore not surprising that under the circumstances, the police chief’s merits are appreciated and he is ready to take the helm of the entire ship.

But what really put García Harfuch on the map was what would put him off it: a spectacular attack by the Jalisco Nueva Generación Cartel with more than 400 bullets that killed his two bodyguards and a woman who was walking by and carrying him took with him to the hospital with three shots. El Tigre, as he was known by his people, displayed a bullfighting stance and, before entering the operating room, sent a tweet to the entire population recounting what had happened. In circumstances like these, some politicians have seen the way open to win the polls, such is the empathy the case inspires among citizens. “This has recognized him among the people as someone who faces crime and harms the interests of organized crime,” says anthropologist Héctor Tejera Gaona of the Autonomous University of Mexico (UAM). The same as Francisco Abundis of consulting firm Parametría says: “This attack makes him look like someone who is very real, who is not pretending, is willing to give his life, that of his family, and has not even raised his hand to run for office . ”.

Omar García Harfuch, in his Mexico City office, on July 29, 2022. Omar García Harfuch, in his office in Mexico City, on July 29, 2022. Hector Guerrero

To the extent that the two experts agree on everything else concerning their immediate political future, they present two almost opposite scenarios. One does not see him as a possible candidate, although he has the sympathies of the citizens. The other thinks it could be the revelation of the season. And they explain it like this: “The political structure of the city doesn’t see him as a candidate, I don’t think Morena will give him that space, he has no political networks and in Mexico City 40% of the vote moves through networks, i.e. funding programs, organized groups, everything where political organizations can influence families. He doesn’t do politics and he doesn’t have a social group that supports him,” says Tejera Gaona.

For Francisco Abundis, these disadvantages are just a handful of advantages: “Those who don’t want to, who shouldn’t have this ambition, govern best,” he says, playing Max Weber. The shelter under the acronym “Morena” wouldn’t matter that much, more so it can play in your favor if you don’t have those party networks. After all, much of what the city lost in the 2021 election came from an anti-Morena vote. So this candidate could work. Morena has a very complicated position in the capital and that is a cyclical element that suggests Harfuch may have a chance.” Although he looks politically weak, Abundis said he is seen as a very strong candidate in the elections. “The opposite of what happens to others who have a lot of political network but don’t work in terms of electoral politics happens to him.”

“The Secretary of Security was caught scantily clad and with his furry puppy between his legs.” The sentence makes you think, but it should go in the right direction: It is a photo that Internet users posted on Twitter, in which Harfuch can be seen in a T-shirt and gym shorts, petting a black dog on his lap, on which he sits cross-legged floor. There wouldn’t be much to comment on were it not for the fact that the cop rarely sheds an institutional image in public, his hair combed as if he’s just got out of the bath, his suit and his tie neatly in place. If the photo isn’t stolen and it doesn’t look like it, it’s the most political gesture you’ve ever seen, a 100% campaign shot. Do you really have no intention of jumping into the campaign arena?

“He’s handsome, yes he has a mark, of course he is,” says Tejera Gaona. “But I don’t think people see him as a chance to solve the problems of a city like this. Martí Batres, Clara Brugada and Ricardo Monreal have more chances. He’s not envisioned as a plausible candidate, it’s more of a rumor going around, but he doesn’t play politics, he’s a police officer, not a city manager,” he affirms. The specialist in political processes, citizenship and participation sees Harfuch’s growth area in the area of ​​security. Many think that when the current mayor, Claudia Sheinbaum, becomes Federal President, she will become Federal Minister of Security. Both have expressed their willingness to continue working together. “The presidential candidates are the ones who will enforce the Morena cartel in the city, and Harfuch may be a man of Claudia Sheinbaum, but because he is disciplined, he will not run against them as head of government of the capital,” says the expert.

Again, Abundis disagrees from medium to medium. He believes this distinctly police profile “is what people are looking for”. “He is a good communicator and charismatic and exudes security.” She has, she says, an advantage over other names under consideration, such as that of Clara Brugada, party leader and mayor of Iztapalapa, the area where the Morenists’ slogan is: First, the poor are best cared for. “If you take Brugada out of Iztapalapa, he doesn’t have the same strength anymore, but Harfuch is all over the city, he’s already raising an issue to expose the citizenry.”

If after his attack the lights went out for a while, another attack came to turn them on, that of journalist Ciro Gómez Leyva, who also survived the bullets that crashed into his car on the way home. This matter of national importance allowed us to once again show the best version of the police officer who soon emerged before the media and instilled calm and confidence in the work of the uniformed officers in a country where the agents do not have the best reputation. Within a short time, street camera footage was released heralding a rigorous investigation. A month later, in mid-January, the arrest of 11 people in connection with the case was announced. Harfox’s fame grew.

    García Harfuch observes the surveillance cameras in his office on July 29, 2022. García Harfuch observes the surveillance cameras in his office on July 29, 2022. Hector Guerrero

What no one questions is that the city is consolidating good policing practices, and that’s saying a lot in a country like Mexico. The paradox of the two attacks, that of Harfuch and that of Gómez Leyva, is that the more evident the penetration of crime into the heart of the city, the more the sense of being in the city became more apparent in the minds of the citizens. good hands. And that seems to be gaining ground, despite the difficulties recently faced by the security minister when the evidence emerging from the investigation into the deaths of the 43 students from Ayotzinapa once again portrayed him in his least flattering profile: the one An officer haunted by the past of his father and grandfather, both in security roles, when some of the greatest atrocities against the people of modern-day Mexico were committed. Although they were haunted by the blood of Tlatelolco and the dirty war, Harfuch’s photo was marred by his presence, documented in defense papers, in a macabre setting, that of Iguala, on October 7 and 8, 2014, when he was commissioner in the Gendarmerie Department of the Federal Police. He always said he was already stationed in Michoacán by that point, but the evidence is persistent.

Sheinbaum has defended his honesty on several occasions, and the stain on the police record appears to have faded over time, like ink on old documents. Until you become a candidate and the sewers become volcanoes.

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Alianza Lima sponsor qualifies the intimate club as quotthe championquot

Alianza Lima sponsor qualifies the intimate club as "the champion" in the preview of the classic

A few hours before the duel with Universitario, one of the sponsoring brands of the blue and white team promoted its products of the two-time Peruvian champion in a big way.

The first Peruvian football classic of 2023 was played on different grounds. Amid the statements of various characters, he was the sponsor this time Alliance of Lima the one that warmed up the duel against the Universitario de Deportes for League 1. The blue and white fans visited the brand’s premises Nike and they noticed a curious phrase on the tags of the shirts.

In the pictures you can see the phrase “the champion” next to the price of the clothes. An allusive expression for the titles of the team around Guillermo Salas.

    Alianza Lima is the current two-time League 1 champion. Photo: Composite LR/Twitter/Broadcast

Alianza Lima is the current two-time League 1 champion. Photo: Composite LR/Twitter/Broadcast

It should be noted that there is controversy regarding the championships held by both institutions. Although the Peruvian Football Federation recognizes the Cremes (26) as the winners of the 1934 competition, the Familiars (25) stress that that year’s title is theirs and that they have the arguments to prove it.

When do Alianza Lima vs. Akademiker play?

The match between Alianza Lima and Universitario will take place this Sunday, February 19 from 15:30 (Peruvian time). The eternal rivals will face off at the Monumental Stadium in Ate.

Which channel will broadcast the classic Alianza Lima vs. Akademiker?

Through their social networks GolPerú announced that it will be the signal that will be used to broadcast the classic between Alianza Lima vs. Academic.

Lima Alliance vs. University: Prognosis

A day after the Peruvian soccer classic, the bookmakers give Ate’s side, this time from the region, a slight preference.

  • Betsson: Universitario wins (2.45), draws (3.25), Alianza wins (2.90)
  • Bet365: Universitario wins (2.55), draws (3.25), Alianza wins (2.88)
  • Doradobet: Universitario wins (2.38), draws (3.20), Alianza wins (2.90)
  • Total bet: Universitario to win (2.37), draw (3.20), Alianza to win (2.90)
  • 1XBet: Universitario wins (2.41), draws (3.26), Alianza wins (2.87)
  • Ties: University Victory (2.50), Tie (3.25), Alliance Victory (2.95)
  • I bet you: Universitario wins (2.46), draws (3.26), Alianza wins (2.98).

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Dallas Cowboys all pro Trevon Diggs has been sued by a

Dallas Cowboys all-pro Trevon Diggs has been sued by a former landlord for “up to” $250,000 for unpaid rent

Dallas Cowboys All-Pro Trevon Diggs ‘Sued by Former Landlord for Up to $250,000 in Relief for Unpaid Rent and Property Damage’

Dallas Cowboys Pro Bowl cornerback Trevon Diggs has been sued by a former landlord for “up to” $250,000 in compensation for unpaid rent and property damage, according to a lawsuit received by the WFAA.

The lawsuit alleges that Diggs rented a home in Frisco, Texas and received a monthly rent payment of $5,500. Landlady Rose Marie Yadegar says she only paid for the first month.

The landlord says Diggs owes $33,500 in overdue rent plus late fees, $3,400 in repairs, and carpet cleaning and lawn maintenance fees.

According to the lawsuit, Diggs vacated the property at the end of July 22 in lieu of an eviction, and Yadegar was unable to fill the property. He is also responsible for the remaining two months of the lease, totaling $11,000. The lawsuit states Diggs previously agreed to pay attorneys’ fees under the terms of the lease.

Diggs, the brother of Buffalo Bills wide receiver Stefon, has earned more than $5 million in his first two NFL seasons.

Trevon Diggs has been sued by a former landlord for

Trevon Diggs has been sued by a former landlord for “up to” $250,000 in unpaid rent relief

Diggs recently faced off against his brother Bills WR Stefon Diggs in NFL Pro Bowl games

Diggs recently faced off against his brother Bills WR Stefon Diggs in NFL Pro Bowl games

Diggs’ attorney, Scott Becker, filed a response to the complaint, generally denying each individual allegation in the lawsuit and asking Yadegar to prove them.

Becker also explained that the suit came as “a bit of a surprise” to Diggs.

“This appears to be due to a misunderstanding or miscommunication with this rental property that ended sometime last year,” Becker said.

‘He thought this matter was completely resolved. That this situation came up out of the blue was a bit of a shock for him.”

“We certainly have a guilty conscience for them when there is property damage. My client did not cause this damage and we look forward to resolving this with her.’

Becker went so far as to attribute the circumstances to acquaintances of Diggs rather than the cornerback himself, while also implying that Diggs could be targeted due to his success.

Last season, Diggs was named a first-team all-pro after leading the NFL with 11 interceptions.

That season, he finished the year with three interceptions, 59 tackles and a fumbled recovery.

Diggs and his son speak with popular reporter Sage Steele ahead of Super Bowl 57 in Arizona

Diggs and his son speak with popular reporter Sage Steele ahead of Super Bowl 57 in Phoenix

Dallas Cowboys all-pro Trevon Diggs has been sued by a former landlord for “up to” $250,000 for unpaid rent Read More »

Barber by day drone fighter by night helps defend skies

Barber by day, drone fighter by night helps defend skies over Ukraine – Portal

KIEV, Feb 19 (Portal) – Oleksandr Shamshur, 41, is a hairdresser by day and a ‘drone hunter’ by night. He is among tens of thousands of volunteers helping to defend the skies over Ukraine from Russian attacks.

As the first anniversary of the Russian invasion approaches on February 24, Ukraine is growing adept at shooting down Russian missiles and drones launched at cities far from the front lines, and Shamshur is proud of his own role.

Members of his Territorial Defense Unit, including a lawyer and a businessman, respond to air raid alerts in and around the capital Kiev by attempting to shoot down Iranian-made Shahed-136 drones with a restored World War II machine gun.

“I am a very happy person. Why? Because I’m defending my country, I’m defending our Ukrainian people,” Shamshur said as he combed the capital’s moonlit skyline through a rangefinder-equipped thermal camera from a rooftop.

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Nearby, a comrade was adjusting the green barrels of the Soviet Maxim machine gun.

“But at the same time I can come into the beauty salon and work with the people doing the work that I know, cutting hair and talking to clients,” Shamshur said.

[1/7] Oleksandr Shamshur, 41-year-old volunteer with Ukraine’s Territorial Defense Unit, prepares to guard the skies over the capital from Russian suicide drones at the start of his shift amid the Russian attack on Ukraine in Kiev, Ukraine February 2, 2023. Portal/ Valentin Ogirenko

He said it never occurred to him as a civilian to “run away and hide somewhere” when tens of thousands of Russian armored troops rushed into stunned Ukraine last winter and began bombing Kiev and other cities.

“With the enemy on the doorstep, I had to do something, I had to defend myself,” he said.

On the night of December 29-30, Shamshur said his rooftop unit shot down two drones over Kiev. His team has also passed on the skills they have learned to other units.

Shamshur wears several insignia on his camouflage uniform, including one in English “Drone Hunters” and another in Ukrainian that reads “Ronin” – a feudal Japanese warrior – which he has adopted as his nickname.

When Russia invaded, Shamshur — a pre-war army reservist — learned that his military base had already been destroyed by Russian shelling, so he joined the territorial defense, initially delivering food to civilians and helping evacuate people.

Working in his salon, still dressed in military khaki while styling a client’s hair, he said he tries not to discuss the war with his clients, calling it “dark” as opposed to “light.” ‘ in the peaceful part of his life.

Reporting by Margaryta Choronkondratenko and Yiming Woo; letter from Mark Heinrich; Adaptation by John Stonestreet

Our standards: The Thomson Portal Trust Principles.

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Here are the US cities where house prices are actually

Here are the US cities where house prices are actually falling

WASHINGTON, DC (CNN) Home prices are rising across the country — overall. However, looking at individual markets, some show that prices are down from last year.

Average single-family home prices rose 4% year over year to $378,700 in the fourth quarter. Prices were strongest in the Northeast last quarter, up 5.3%; followed by the south with a plus of 4.9%; the Midwest by 4% and the West by 2.6%, according to the National Association of Realtors.

But if you look at the market level, it’s clear that prices in some areas are down from last year. The upbeat regional numbers obscure that about 11% of the individual housing markets tracked by NAR — 20 out of 186 cities — saw home prices fall in the fourth quarter of last year.

“Some markets could see double-digit price declines, particularly some of the more expensive parts of the country, which have also seen weaker employment and more frequent outflows of residents to other areas,” said Lawrence Yun, NAR’s chief economist.

Almost all of the most expensive places to shop are in the West, and half of the top 10 most expensive cities are in California. Several of these places are where prices fall the most.

San Jose, California was the most expensive place to buy a home in the United States in the fourth quarter. But that median price of $1,577,500 is actually 5.8% lower than a year ago — and prices there are already down 17% from the peak price of $1,900,000 in the second quarter of last year, according to NAR.

San Francisco saw the country’s largest year-over-year price drop last quarter, with an average price drop of $1,230,000 — down 6.1% year over year. San Francisco home prices are already down 21% in the fourth quarter from a peak of $1,550,000 in the second quarter.

Among the most expensive cities where prices fell were Anaheim, California, with an average price of $1,132,000, down 1.6% year-on-year; Los Angeles, with an average price of $829,100, fell 1.3%; and Boulder, Colorado, with an average price of $759,500, down 2.0%.

Other places with falling prices have seen the big price increases during the past few years’ hectic home buying market. They’re also typically attractive lifestyle destinations for people to relocate to, as remote work offers more flexibility. These include Boise, Idaho, where prices are down 3.4% year over year, and Austin, Texas, where prices are down 1.3%.

The good news for buyers looking for price relief is that the 4% average price increase in the fourth quarter is smaller than the 8.6% increase in the third quarter. In addition, the price increases are smaller, with far fewer markets posting double-digit gains in the fourth quarter.

“A slowdown in home prices is underway and is being welcomed, especially as the typical home price has risen 42% over the past three years,” Yun said, noting that these cost increases have far outpaced wage increases and consumer price inflation since 2019.

A fragmented market

For much of the pandemic, home prices across the country moved in one direction: up. Some hotspots like Austin and Boise saw prices soar. In other areas — particularly the Midwest — prices rose more moderately. However, with mortgage rates hovering near historic lows, buyers flocked.

That story changed last year when mortgage rates soared in the wake of the Federal Reserve’s historic campaign to curb inflation. Buying a house fell off a cliff. By the end of 2022, existing home sales were down nearly 18% from 2021 as prospective homebuyers exited the market, according to NAR.

Typically, a drop in buying demand would mean oversupply and ultimately lead to falling prices. But that, by and large, is not happening in the housing market.

Instead, single-family home prices rose in nearly 90% of the metro areas tracked by NAR in the fourth quarter: 166 out of 186 markets still recorded rising prices. The national median price for a single-family home rose 4% year over year to $378,700 last quarter.

How can that be?

A major reason for this phenomenon is that due to the chronic underbuild of affordable homes in the United States, there is a shortage of inventory, along with homeowners reluctant to part with the extremely low mortgage rates they have secured for the last few years have .

“Even with a projected decline in home sales this year, prices are expected to remain stable in the vast majority of markets due to extremely limited supply,” Yun said.

There are still places where property prices continue to rise at double-digit rates. The top 10 cities with the largest year-over-year price increases all posted gains of at least 14.5%, according to NAR, with seven of those markets being in Florida and the Carolinas.

Farmington, New Mexico, saw the largest price increase in the fourth quarter, up 20.3% year over year. It was followed by Sarasota, Florida, up 19.5%; Naples, Florida, up 17.2%; Greensboro, NC, up 17.0%; Myrtle Beach, SC, up 16.2%; Oshkosh, Wisconsin, up 16.0%; Winston-Salem, North Carolina, up 15.7%; El Paso, Texas, up 15.2%; Punta Gorda, Fla., up 15.2%; and Daytona Beach, Fla., by 14.5%.

How is affordability changing?

In the final quarter of 2022, a family was required to have a qualifying income of at least $100,000 to afford a 10% down payment mortgage in 71 markets, up from 59 in the previous quarter, according to NAR.

Still, there were 16 markets in which a family required a qualifying income of less than $50,000 to purchase a home, although this was down from 17 in the previous quarter. Some were Peoria, Illinois, where a family earning $33,660 may qualify for a loan; Waterloo, Iowa, with an income of $40,639; and Montgomery, Alabama, with income of $48,172.

According to NAR, the monthly mortgage payment for a typical existing single-family home with a 20% down payment was $1,969 nationwide in the fourth quarter. That’s a 7% increase from last year’s third quarter when the monthly payment was $1,838, but a big 58% increase — or a monthly increase of $720 — year over year.

This made the affordability picture even more difficult for many homebuyers. Families typically spent 26.2% of their income on mortgage payments, up from 25% in the previous quarter and 17.5% a year ago.

First-time buyers have obviously been pushed to a breaking point of affordability. They typically spent 39.5% of their family income on mortgage payments, up from 37.8% in the previous quarter. A mortgage is considered unpayable when the monthly installment, including principal and interest, is more than 25% of family income. In general, a common financial rule of thumb is not to spend more than 30% of your income on housing.

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