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RICHMOND, Va. - RICHMOND, Va. -- The tools of learning vary widely from textbooks and laptops to pen and paper. But listen closely to Paul Reisler's music class, all you need is a smile and a wild imagination."I’m always surprised what comes out," said Paul. "When you’re creating a song with children it really is an incredible group process."The singer and educator is the founder of "Kid Pan Alley." Paul and partner Cheryl Toth immerse themselves in classrooms with students of all ages and abilities.The assignment in every class is songwriting no matter the talent level."There are no bad ideas in Kid Pan Alley," said Paul. "It is so important to impress upon them that every idea is a good idea.""For the children, they’ve written it, so it is their voice," said Cheryl. "So music has a way of capturing our emotion and voice together."The duo says sparking a child's creativity ranks as high as the three R's."I think it touches every aspect of their education," said Cheryl.For 20 years, Paul an accomplished composer has been taking his non-profit and guitar on the road."We’ve worked with about 65,000 kids and written about 2,700 songs," said Paul.In schools from coast to coast, every far-fetched lyric and theme are embraced.“They would say things an adult wouldn’t say. A kindergartner said the wind blew me a pony. I don’t have any adult co-writers that would say anything like that,” said Paul."All of a sudden they come to life because they have something to share and contribute," Cheryl explained.Lyrics written in this classroom go deeper than "Wheels on the Bus.""These songs are very complex and emotional because they reflect what the children are thinking of the time," said Cheryl.Some tunes strike a chord with professionals. Singer Amy Grant recorded one class' collaboration. Another song was even nominated for a Grammy.“We treat the kids to work at the highest professional level. We want them to know they’ve done something of real value,” said Paul.From titles like “Sister for Sale" to "My shadow leads a double life."“It is this beautiful Pandora's box that opens. And you’re never quite sure what you’re going to get,” said Cheryl.Paul and Cheryl lament that music and art have taken a backseat to standardized testing.“They say we live in a creative economy. But there is precious little training for children being creative,” says Paul.The singers from Rappahannock County say their goal isn't to encourage students to pursue a career in music. “That is not the important part. The important part is that they take what they’re doing and doing it in a creative way,” said Paul.During these days of remote learning, "Kid Pan Alley" is adapting to the new norm.“This is a time they need it the most. They really need connection,” said Paul.Paul, Cheryl, and other artists write and perform with students virtually.“It is very joyful especially when I see these kids calling their parents in to listen to my song. Such great pride. (tighten) It is wonderful,” said Cheryl.“That is what I feel we do. When we go work with the kids we make a whole bunch of new best friends,” Paul added.Paul Reisler, a teacher helping his students write their way to a Grade "A" education with a lot of rhythms that touches the soul.“Because music brings people together. It brings community together. It brings children together. I think it creates a better world.”Paul will hold a virtual concert with his adult singer/songwriters on September 27. Kid Pan Alley’s next virtual concert for children will be October 4. For more information, click here.This story was first reported by Greg McQuade at WTVR in Richmond, Virginia. 3673

SACRAMENTO, Calif. (AP) — California Gov. Gavin Newsom has tested negative for the coronavirus. The governor's office said Newsom was tested on Wednesday after someone in the governor's office tested positive. The staff member who tested positive had not interacted with Newsom or anyone else who often sees the governor. The governor's office said Newsom took the test out of “an abundance of caution.” Newsom said Wednesday that he has been tested many times and has always been negative.California has reported more than 834,000 coronavirus cases and more than 16,300 deaths. 586

Roger Stone's potential ties to WikiLeaks and its founder, Julian Assange, are being investigated by special counsel Robert Mueller, The Wall Street Journal reported Monday, citing a person familiar with the matter.Stone served as an adviser on President Donald Trump's presidential campaign, and according to The WSJ report, Stone said in an email on August 4, 2016, that he had "dined with Julian Assange last night."However, Stone has denied ever meeting Assange.In a text exchange on Friday before the WSJ report, Assange said he "never met or spoke with Assange ever," and Stone told The Journal the contents of the email were "said in jest."Stone also noted that his passport showed that he did not leave the country in 2016.The special counsel is investigating any potential ties between Russians and Trump campaign associates.There are several links between the Trump campaign and WikiLeaks, including private messages on Twitter between Donald Trump Jr. and WikiLeaks and outreach from the chief executive of Cambridge Analytica to WikiLeaks founder Julian Assange. Mueller's team is looking into whether the communications were ever intended as a coordinated effort to help with Russia's 2016 election meddling.The President has repeatedly denied any collusion.Stone has also denied ever receiving anything from WikiLeaks."I never received any material from them at all," he said last week. "I never received any material from any source that constituted the material ultimately published by WikiLeaks. ... This will be an impossible case to bring because the allegation that I knew about the (WikiLeaks) disclosures beyond what Assange himself had said in interviews and tweets, or that I had and shared this material with anyone in the Trump campaign or anyone else, is categorically false." 1851

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) — The enthusiasm both parties say exists in the electorate hasn't yet translated into early voting in California, where the percentage of people who have voted so far is similar to this time four years ago.Voters who are Republican, white and older are sending in their ballots early at a higher rate, which is typical in California elections, said Paul Mitchell of Political Data Inc., a firm that collects voter data from the counties.About 570,000 Californians had cast ballots as of early Monday. That's about 100,000 more than voted at this point in the 2014 election. About 12.5 million people received mail-in ballots, compared to 9.2 million four years ago.RELATED: What you need to know about voting this NovemberThe early numbers are just a fraction of the total voters expected to cast ballots by mail. California voters can send in their ballots through Election Day, on Nov. 6, and ballots are counted as long as they are received by the Friday after the election.In 2014 roughly 4.5 million people cast mail ballots."Right now it's hard to tell exactly how much we're measuring enthusiasm and how much we're measuring changes in the mechanics of the elections," Mitchell said.Monday is the deadline to register to vote, although people can register conditionally through Election Day. Their ballots will be treated like provisional ballots that are counted after the voter information is verified.Statewide, Republicans count for just a quarter of registered voters. But they make up 34 percent of early voters.RELATED: See your sample ballot for the November 2018 electionEighty percent of already returned mail ballots are from voters older than 50, even though they make up only about half of the electorate.Democrats need strong turnout to win U.S. House seats in Orange County and the Central Valley that have long been held by Republicans. They're banking on increased enthusiasm among voters angry at President Donald Trump or concerned about issues such as health care and immigration to drive turnout."For Democrats to win these competitive congressional races they need atypical," Mitchell said.Drew Godinich, a spokesman for the Democratic Congressional Campaign Committee, said Latinos and young voters are "outpacing expectations" in key districts and that it's too early to jump to conclusions about turnout."In these tight races, every vote counts — and Democrats have been organizing since last year to turn out our voters in these crucial midterms," he said in a statement.More than 19 million people registered to vote as of early September, a record in a California gubernatorial election.Mitchell predicts a 56 percent voter turnout. That would be higher than the 2014 election but lower than 2010. 2774