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jamielea81 · 4 years

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Just a Simple Lie

Chapter 11

Description: Having worked on small independent films for the better part of a decade, your friend tells you about an opening for a script supervisor with a large studio. Wanting to advance your career, you apply and get an interview. The only downside, they prefer to hire crew who are married. It’s just a simple lie, right?

Pairing: Chris Evans x Reader

Warnings: Mentions of drinking. Minor angst. Fluff!

A/N: This is it, the final chapter. Thank you to those that stuck by me during my long break. I hope you love this final chapter as much as I do.

Word Count: 2,657

Catch up with Chapter 10

“I agree. We need change that last scene around a bit too,” you spoke into the camera on your laptop.

The door behind you creaked open and you spun your chair around to see your intruder.

“Hey beautiful,” crinkling eyes greet you. “Who are you chatting with?” he asked, stepping closer to you, leaning down to view the screen.

“It’s Kimmie.”

“Hey, Kimmie!” Chris said a little too loudly, bending his knees to get a better look. You turned back to the screen, partially blocking his view that caused him to bob his head back and forth.

“Hey, Chris,” she replied back with a wave.

“Let me call you back in thirty.”

“No problem,” she grinned.

You clicked disconnect and pushed down the screen, spinning back around to face your boyfriend.

“You didn’t have to end your call on my account,” Chris said, taking a seat on the couch in your office. He kicked out his legs and rested his arms on the back of the couch.

Standing up, you stretched your arms over your head until you heard a small audible crack. The long hours in your desk chair were doing nothing to help with your stiffness. You walked the five steps to reach him, straddling his lap and giving him chaste kiss.

“I missed you. Taking a break is well deserved,” you murmured into his neck.

Chris lowered both arms, wrapping them around your waist and lowering them until they rested on your bottom. “Missed you too sweetheart. But if you really missed me, we’re going to need more than thirty minutes. You may need to give Kimmie a call back tomorrow.”

You lightly pushed on his chest, shaking your head but giving him a smile.

“I’m pretty sure I can get the job done in fifteen, but I wouldn’t mind taking the whole night off,” you replied, bending down and bringing your lips to his.

The two of you had been together for two years. It had taken a bit to get there because as it turned out, you both were very passionate people in and out of the studio.

Once your one month extended stay to help with editing ended, Chris was adamant you shouldn’t leave. You had unofficial moved into his bedroom two weeks prior and he had gotten used to you being there. You had gotten used to it as well if you were being honest. You changed your ticket for an additional week, but all too soon late-night arguments became the norm in the days leading up to your flight. He had trouble understanding that you had an apartment with all your belongings that you paid rent on to get back to. Meanwhile, you had trouble understanding that the two of you really needed this time together since it was so early in your relationship. By the time the plane touched down in L.A. you weren’t sure it would last.

Phone calls quickly became strained and almost a chore, but it was all you had. He was staying on the East coast to be close to family and work. Most jobs for you were in L.A. where the studios were located. You didn’t have a choice.

The majority of Chris’ past relationships had been with actresses who had the means to fly back and forth and the funds to take time off to dedicate to that relationship. That wasn’t you. Yes, you were in your thirties, but you didn’t make movie star money. While you did have a good chunk of money in savings, you still needed to either get back to bartending or get another contract for a movie so that money wasn’t quickly depleted.

When Chris hadn’t called or texted for a solid week, you were sure it was over with. This intense relationship that was all consuming apparently had gone up in smoke. You called in sick to your side job and spent an entire day crying. Gemma, being the good friend she is, came over with a bottle of tequila in hand to help drink your tears away. It worked for a little while, until you woke up with a pounding headache. Not to mention, the only reason you were awake was because someone was actually pounding at your door. Taking a one-eyed look at your alarm clock, you saw that it was only six in the morning.

“Who the fuck…” you groan, loud enough for the person on the other side of the door to hear.

You dragged yourself out of bed, only then realizing you were still dressed in yesterday’s jeans and top. Albeit, both heavily wrinkled and misshapen from your rough night of sleep. You didn’t catch your reflection in a mirror but were pretty sure your mascara was smeared everywhere but your eyelashes.

You flicked the lock and opened the door to a red eyed Chris. Before you could utter a greeting or a question, he pushed his way past you into your living room and began pacing. Closing the door softly, you moved past him into the kitchen turning the water on until it ran warm. Grabbing the pot from the coffee maker, you rinsed it before filling it, keeping your back to Chris. He still hadn’t uttered a word but you could hear his steps on the vinyl wood floor. You continued busying yourself with the grounds before flicking the switch to start it.

“I only have that caramel flavored one. I know it’s not your favorite...” you trailed off, still facing the machine rather than him.

Him being here in L.A., your apartment to be more specific, after not hearing from him was slowly putting you into a tailspin. What did it mean? Why wasn’t he speaking to you? Why the fuck is he here? These are questions you really needed to verbalize, but couldn’t, or wouldn’t.

“Come here,” his raspy voice called.

You cleared your throat and took a breath, turning around to see that he stopped pacing. His arms were at his sides but his fingers twitched. Not only were his eyes red, but he looked tired. His beard longer than you’d seen it and a little unkempt. You walked to him, stopping a couple of feet away, staying quiet and trying your best not to cry.

Chris licked his lips and blinked slowly. “Do you love me?”

What? Do I love him?... Do I love him?

You closed your eyes tight as if it would help this flood of emotions you were feeling. Seconds ticked by. You felt Chris’ fingers touch your hand before the warmth quickly fell away.

Opening your eyes, you were met with his glassy ones. Your head started to nod before you could get the words out. “Yes.” It was weak. Clearing your throat, you tried again. “Yes, I love you.”

Chris grabbed your face almost harshly, but you didn’t care as his lips crashed into yours. It was a hungry kiss and you had to grab on to his shoulders so you wouldn’t fall. He pulled away, rubbing his nose against yours. “I love you. I fucking love you,” he growled.

His lips met yours once again. Your hands slipped from his shoulders to around his neck. You could feel the wetness on your face and you couldn’t tell if it was from his tears or yours.

The two of you eventually made it to your bed, the coffee long forgotten as you reclaimed the love you had gone weeks without. Sleep later took the both of you, only waking at the feel of his hand as it combed through your hair.

“You know,” he murmured. “You really shouldn’t go to sleep with your makeup on. S’not good for the skin.”

Opening your eyes slowly to see the smirk on his lips, you pouted your own. “Doesn’t matter.”

“It doesn’t?” he questioned, lifting a brow.

“Nope.” You lifted your head and laid it on his chest. “Chris Evans loves me.”

“That’s true.”

“And if he can love me when I’m hungover with black mascara all over my face, I’m not going to lose sleep over it.”

His throaty chuckle made you smile. “We should probably talk,” you said into his chest after a quiet moment.

Chris’ fingertips slid softly up and down your bare arm. “We should, but I want to hold you for a bit longer.”

The talk didn’t happen until the next day as you both opted to stay in bed with Chris only leaving to pick up food for dinner. Your room smelled like garlic shrimp and sesame chicken, but you wouldn’t change a thing about how the day had gone.

Chris was making his primary residence in California as soon as he was done wrapping up the movie. You argued that Boston was home, but he insisted he had his house in Laurel Canyon just wasting away. He wanted to be with you. Needed to be with you.

“I can fly out East whenever I have an itch to. Take you along because I know Ma will want to see you.”

Who were you to argue?

As promised, two months later Chris was back on the West coast with you. And it stayed that way for almost a year until he had you flying out to Massachusetts for another film. This time it wasn’t one of his, but a friend of his that he put you in contact with. You didn’t like him doing you favors like that, but the producer had stated that you came highly recommended.

For several months you split your time between Rhode Island and Boston and grew to really love that part of the country. It was breathtaking and covered in snow which you had to admit you kind of missed. You loved it when you were here with Chris the first time, but most of those days were spent reconnecting with Chris and worrying. This trip you really had the time to appreciate the beauty despite the coldness of the winter.

Kimmie was the screen writer on that film and the two of you had formed a fast friendship. She enlisted your help on another film keeping you employed and on the East coast much to Chris’ delight. By accident, you had added another career to your resume, consultant. And later, screenwriter.

You let your apartment go along with the furniture in it, packing up only your clothes and the items you couldn’t part with. You officially moved in with Chris in Boston even though you had been living with him for almost a year.

“How’s that script coming?” Chris asked over scrambled eggs with cheese the next day.

“Good. But I really need to call Kimmie back. You majorly distracted me yesterday. She’s going to find a new writing partner if I keep pulling stuff like that.”

Chris give you a closed mouth grin before scooping another bite into his mouth, shaking his head in disagreement. “You two work well together. Doubt she cares if you get distracted,” he said, his fingers making air quotes.

“Yeah, we’ll see,” you sighed. You really didn’t think she would kick you to the curb, but you wanted Chris to gravel a bit.

Chris pushed his chair back from the table, picking up his empty mug. He kissed the top of your head before refilling his cup. “I can send her flowers if you want.”

You chuckled and shook your head. “You barely send me flowers!”

“Well, that’s your damn cat’s fault. If he’d stop chewing on the stems, I’d bring you flowers home every day,” he argued taking his seat back at the table.

“You love Mr. Fluffykins. Admit it.”

“Only half the time. And that’s only because he’s cute with Dodger.”

Chris only had about thirty pictures on his phone of Mr. Fluffykins, Fluff for short, and Dodger cuddling together. The two of you lucked out on that friendship when you brought Fluff home from the shelter two months ago.

Rinsing your plate, you placed it in the dishwasher before walking over to Chris and kissing his lips. “I’m off to work dear.”

“Have a safe commute,” he said with a smile. It had been your little inside joke for awhile now since your in-home office was your place of business most days.

“Knock. Knock,” Chris said, entering your office. “Working late?”

You yawned, suddenly realizing what time it was. “Sorry. Got caught up on something new,” you said, standing and walking over to him. “Let’s go to bed.”

“I thought you and Kimmie finished up last week?” he said, pulling you over to the couch in the room instead.

“We did. This is something new. Something that’s just me,” you said timidly.

“Oh yeah? Just you?”

Leaning into him, he put an arm around your shoulders and kissed the top of your head.

“It’s a script I’m working on. Eric Sherman had asked if I had anything in the works and it got me thinking. Why don’t I have anything in the works? Kimmie and I can still develop scripts together, but there’s no reason I can’t work on a project that I’m really interested in. I might have her look it over when it’s done, but I kind of want to keep it to myself for a while.”

He lifted your face to his. “Just you? Not even little old me?”

You smiled and kissed his nose. “I suppose I could tell you.” You took a breath, sitting up straighter and turning your body to his. “It’s called Just a Simple Lie and it starts with a fake engagement.” Chris started a slow smile on his face. “Along the way, the lie gets a little out of hand and she ends up falling for a friend. I’m just not sure how it will end.”

“I can’t wait to read it. When you’re ready for me to read it.” He tugged on your hand, pulling you out of your seat. “Let’s get ready for bed.”

Rubbing in your nightly moisturizer, you gave yourself a final look in the mirror before clicking off the bathroom light and walking into your shared bedroom. You gasped, your hands immediately going to your chest. Chris was facing the doorway, on one knee dressed in a pair of Snoopy pajama pants and gray t-shirt. One hand rested on his bent knee while the other held a ring by his pointer finger and thumb.

“I think I have an ending for your story,” he began. You still couldn’t speak nor could you move. “See, I met this amazing woman that took me by surprise and turned my life upside down, but in a good way. It might have started as a lie, but I know she only had good intentions. I couldn’t help but fall in love with her. The only way this story can end is with her promising to spend the rest of her life with me. Happily, ever after, if you will.” he shrugged. “So, what I’m trying to say is, will you continue to write this story with me, as my wife, my partner in life?”

You nodded your head, walking to him and dropping on your knees. You kissed him, wrapping your arms around his neck. “Yes. Yes,” you whispered. “I love you so much.”

Chris took your left hand from around his neck and brought it close to his face, kissing it, and then placing the ring on your finger. “Love you too baby.” He kissed your hand again and pulled you into a hug.

After a minute or two, he kissed your lips and looked into your eyes. “I know we’re having a moment, but would you mind if I take my fiancée to bed?”

You chuckled and kissed him again. “Yes, fiancé. I’d like that very much.” The two of you got to your feet and climbed into bed. “I suppose the ground is pretty hard on those old knees of yours,” you teased.

“Such a brat,” he said, kissing your nose.

“You like it.”

“Yeah…I kind of love it.”

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aboutcaseyaffleck · 4 years

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BOSTON BY CASEY AFFLECK

October 25, 2020 For the record, what follows is nostalgia, false memories, and generalizations. But it’s all true. I grew up in Cambridge, Massachusetts, across the Charles River from Boston proper. Cambridge was one of the most diverse, multicultural cities in America. It was a beautiful, colorful, vibrant place. People from all over the world lived there, all mixed-up together. It is the place I was born and will return to, God willing. It is the city with the smells and sounds and tastes and people I love the most. Despite how much I loved it, when I look at old photos, I often look like this:

I’m in the front in the blue shirt. My best friend was Michael, the tall kid in the red shirt, whose family came from Barbados. Through the middle school years, anytime we weren’t in school we were roaming the streets like Dickensian urchins.

In the ‘90s, Cambridge got rid of rent control. Families who had lived there for four or five generations were squeezed out. Now the city is gentrified; but when I was growing up there, it was scrappy and beautiful. It was mostly working people, except for West Cambridge—where wealthy families lived, where professors lived. Where Cornel West, Yo-Yo Ma, and the Governor lived. East Cambridge was working-class Portuguese families, butcher shops, funeral parlors, and tow yards. Cambridgeport, where I lived, was mostly poor, Italian, Black, Greek, and Irish families. North Cambridge had some big housing projects and the school where my mom taught fifth grade—in a gigantic cement structure called The Tobin School that felt like it was far away because I would have to take a train AND a bus to get there. In reality, it’s like three miles from where we lived.

This is me hanging out in her classroom:

As people and places evolve, the past always reveals blemishes unseen at the time. However, Massachusetts manages, as time unfolds, to be a place that was so often on the right side. Not always, but often enough that I am proud to be from Cambridge, Massachusetts, no matter what.

From Massachusetts came the first national publication denouncing slavery, America’s “first feminist”, and The Cambridge Woman’s Suffrage League, which formed in 1886. My high school had the first girl to play tackle football in that division. Cambridge voted-in the first openly gay African-American mayor in our country. Right now our mayor is a very popular and forward-thinking Muslim woman who immigrated from Pakistan named Sumbul Siddiqui. We have marvels of architecture, science, and tech. It was in Cambridge that the very first email was ever sent (and received). And every year the Red Sox stand up to the wealthier bullies from the Bronx. These are all things we are immensely proud of, but nobody is resting on these laurels.

I am going to tell you about the places I remember fondly, whether they are still there or not.

Luckily, the city’s history isn’t going anywhere, and it hasn’t lost all of its charms. It is a place best seen by walking. So just walk. It’s also seasonal. Different activities for different seasons. But if you can hoof it for a few miles do this: start at the Old North Church and go by Paul Revere House, through Faneuil Hall, by The Old State House through Boston Common, through the Back Bay, go left and pass through Roxbury, another left, and go through South Boston till you hit the water and go left till you hit the Children’s Museum. Sit down and relax. If you just want a path, walk that. Map it or wander around. The city is full of little back streets with lots of character.

MY BOSTON FAVORITES

When looking for things to do and see in the area, you can ask ten people and get ten different answers. You will get a long list of historical buildings, or you will get names of some of the country’s prettiest parks, or you will get pointed toward the campuses of some of the very best schools in the world. But for every Bunker Hill, there are ten other places you haven’t heard of. So I am going to tell you about the places I remember fondly, whether they are still there or not. The thing about Boston is you can miss all the best stuff, and you will still leave thinking it is one of the best cities on Earth. Have fun.

Pinocchio Pizza, Harvard Square. I asked my son to describe it. He says, “the food is good but the vibe is fire, old school; whatever, just get a slice and sit on the ground. That’s why I like it.” I have no idea why he wants to sit on the ground, but I guess that’s part of the charm of the place. We’re both vegan so we both scrape the cheese off and eat bread and sauce. That should tell you something.

Oleana Restaurant on Hampshire Street in Cambridge. Chef Ana Sortun is a baller. The food is Turkish inspired, and it is delicious. Always. Friendly people, pretty inside, and it is in a nice residential neighborhood. My dad lived in an apartment a few blocks away behind a Store 24 until he was evicted back in 1989.

Maharaja, Harvard Square. Incredible Indian food. And it has one of the only third-story views of Harvard Square.

Veggie Galaxy is great diner food. It is vegan. It has breakfast, lunch, dinner, milkshakes and other deserts. All day and all night food that is filling and really good.

Life Alive Organic will serve you the healthiest and heartiest meal you can find anywhere. It’s across the street from City Hall, the post office, and the oldest YMCA in the country.

Cantab Lounge, where my dad was a bartender, and then a janitor when he was too drunk to be a bartender. I drank six thousand ginger ales, sitting in the corner at a sticky table while he worked. Forever it was a bar for postal workers that opened at 10 am, where alcoholics ate hard-boiled eggs from jars that had been sitting on the bar top for two weeks. A couple of days after initially writing this, I got an email from the owner. It is being sold after tens of thousands of years. I don’t know why I care because I don’t exactly have any fond memories from the place, but seeing the brick-and-mortar of your childhood torn down is a kind of mid-life, coming-of-age moment. Life is change.

Darwins Ltd coffee shop and attached mini-grocer and sandwich spot. If you get a coffee and then walk west two blocks on Mt. Auburn St. you will discover on your right a nice little park with a fountain to hang out. It is called Longfellow Park. Or you can look to your left and you will see the Charles River, and you can stroll there.

Fomu for dessert.

Zhu Pan Asian Cuisine and True Bistro for good vegan food.

Newbury Comics is famous and cool.

Million Year Picnic is for comic connoisseurs. They are both great. And they were both plagued by roving bands of middle school thieves in my day. The most notorious was named Mathew Maher. He is now a well-known theater actor on Broadway and appeared in the comic book movie Captain Marvel. But back then he stole shit.

Harvard Coop is the best place to browse for books. Especially the kids section. We spend hours there and nobody kicks us out.

After the game ended everyone would come out and buy sausages [from me] on their way home, then I would clean up and go into a bar outside the park, where my boss was drinking and I’d wait till he was done so I could get a ride home. I was 12 years old. A couple of years ago I threw out the first pitch. Life is change.

The Isabella Stewart Gardner Museum is my favorite museum in town, maybe anywhere. It was once her home and it features an indoor garden that is perfect. It also has a great collection of art from around the world. Back on March 18, 1990, two famous paintings were stolen from the museum. As I remember it, a couple of guys showed up in the morning in police uniforms and the guard let them in. They tied the guard up and took a dozen paintings—Vermeer, Rembrandt, Degas—and vanished. The FBI never found them and never found the art. There are two plaques below two empty spaces on the walls to this day. On some days, classical musicians perform in random rooms while you walk around. You won’t want to leave.

Fenway Park. Greatest professional sports arena of any kind. I used to sell sausages in front of the Cask ‘N Flagon, a bar behind The Green Monster.

It is the best baseball bar in the country. When everyone was in the park watching the game, and there was nobody buying food, I would go in and find a seat and watch the game with whoever I was working with; I have seen hundreds of games from every part of the park. After the game ended everyone would come out and buy sausages on their way home, then I would clean up and go into a bar outside the park, where my boss was drinking and I’d wait till he was done so I could get a ride home. I was 12 years old. A couple of years ago I threw out the first pitch. Life is change.

Plimoth Plantation is a living museum in Plymouth, which is 40 minutes from Boston. It is amazing. The actors working there are some of the best I have seen anywhere. If you are even mildly interested in history you have to go there.

Fresh Pond is where you can go running or biking. Two and a half-mile loop.

Or you could hit The Emerald Necklace which is a great run that hits many of the best green areas, Franklin Park included. When we were young we would hop the fence and swim in the water. That isn’t done anymore ever, and everyone has grown up and leading better, more responsible lives.

John Weeks Footbridge is a very pretty, very old, brick walking bridge that spans the Charles River. Watching the Charles Regatta from here is awesome. That is in the Fall. But it’s also great any night.

The King School is a grade school not too far from there. It has maybe the best playground in the city. If you are there in the summer you can just walk on. When I was a kid, the King School is where a girl went who I was head over heels in love with. I finally got a shot at winning her heart in my early twenties and blew it.

Mount Auburn Cemetery is beautiful if you like that kind of thing. Lots of cool people are buried there, and the trees and stones are really nice. It’s a maze but just walk uphill. You will reach a monument with a great view of the city.

The American Repertory Theater puts on good plays. I grew up going there cause a friend of my mother’s directed many of the shows and could sneak us in the back. I wasn’t the adult making that decision; had I known better I would have scraped together the ticket price and supported the arts.

Boston Common is beautiful but you have to avoid all the shopping around it. If you have to shop go to:

NOMAD on Mass Ave in Cambridge is a store that you shouldn’t miss. In a world lost to chain stores and general homogenization of everything, Nomad is the real deal. Deb Colburn has been curating this place since I was ten. It is her store, and she has been trying to wake people up to folk art from around the world since Reagan was in office.

Bodega is a hidden high-end sneaker and casual wear store that must be entered through an unmarked door inside a bodega on a nearby side street. It’s cool how they have done it. Great presentation. Kids will like it.

KIDS ACTIVITIES

There are lots of things you can force your kids to do—things they won’t like the sound of at first, but will ultimately enjoy.

IMAGE CAPTIONS, LEFT TO RIGHT

On a rainy day, hop on the T and ride around town all day reading comics. Then stand outside in the warm rain (kids from LA don’t get this much).

Looking at murals. Cambridge has great murals everywhere. They are old and, incredibly, not vandalized. This one has been on this wall near the river since I was a kid. The child is mine and he is sick of walking around Cambridge.

If you feel like a pilgrim hit the gift shop at Plimoth Plantation.

Playing chess at Leavitt & Pierce Tobacco. You can inhale the scent of pipe tobacco without smoking it, and rent a chess set, clock, and table for $2 an hour in a beautiful old, wood-paneled shop with great ambiance.

Going to the oldest YMCA in the country.

Kayaking on the Charles River. You can get your kayak on Soldiers Field Rd. Take it east under all the bridges until you get to the inlet at Kendell Sq. It will all be clear. It will take about an hour.

Climbing the stairs at Harvard Football Stadium.

Reading books at the Harvard Coop.

NEARBY BOSTON

If you wanna go a little farther, go out to Gloucester for the day. Swim, eat, walk around, go back.

Whale watching sounds like a lame tourist trap but seeing whales up close will change the way you think about life on Earth.

You can take the ferry from Downtown Boston to Provincetown. It is a great place to visit or stay a few days while in town. Ptown is the eastern-most point on the continent. I might be making that up, but it’s close. It’s an arm that sticks out into the Atlantic. It’s really lovely there with a great vibe all around. You can’t have a bad time and everyone is super happy to be there. The beaches are all beautiful. Sharks mostly only eat the seals and won’t come any closer to shore than two feet—but if you want to see a great white up close, we can make that happen.

Cape Cod has some great flea markets. If you plan on spending time on vacation with your family you can find some essentials, like a medieval battle helmet, at the flea market.

SALEM, MASSACHUSETTS

30 minutes on the local train line from downtown. Made famous by the Salem witch trials; a fun place to visit and walk around for about 128 minutes. Newburyport and Rockport lines, which depart from Boston’s North Station, stop at the Salem station. You can go into the homes of people who lived during the witch hunt.

The House of the Seven Gables, made famous by American author Nathaniel Hawthorne‘s novel The House of the Seven Gables, is a 1668 colonial mansion in Salem, Massachusetts named for its gables. The house is now a non-profit museum, with an admission fee charged for tours, as well as an active settlement house with programs for children. It was built for Captain John Turner and stayed with the family for three generations.

The Jonathan Corwin House in Salem, Massachusetts, known as The Witch House, was the home of Judge Jonathan Corwin. It is the only structure still standing in Salem with direct ties to the Salem witch trials of 1692, thought to be built between 1620 and 1642. Corwin bought it in 1675 when he was 35, and he lived there for more than 40 years. The house remained in the Corwin family until the mid-19th century and is located in the McIntire Historic District.

A MECCA FOR ARTISTS

Lastly, for centuries, Cambridge has been a mecca for artists, especially writers. Here are some spots to see if you like that kind of thing:

The corner of JFK Street and 1390 Massachusetts Avenue. This is a good spot. Here is why: America’s FIRST PUBLISHED POET was a woman named Anne Bradstreet who died in 1672 and lived on this spot! It went through lots of changes, and 300 years later, by the time I was walking around, it became a great burger place called THE TASTY. In 1996 or whatever, The Tasty appears in the movie Good Will Hunting in the scene when Matt Damon kisses Minnie Driver. It might have also appeared in the film Love Story back in the 70s. I mix them up. Now it is a CVS. God help us.

The Longfellow House. Henry Wadsworth Longfellow lived at 105 Brattle Street. The great poet taught at Harvard and lived in the Georgian mansion from 1837 until his death in 1882. Before the author, George Washington used the house as his headquarters during the Siege of Boston. The house is open to the public, and it is where I had my eighth-grade graduation ceremony. The mayor attended and forgot the name of our school in his address to the kids. I heard people mutter that he was drunk. I can’t blame him. I had my first drinks hours before that ceremony.

71 Cherry Street, Cambridge. The woman considered to be American’s FIRST feminist, Margaret Fuller, was born and lived here.

Henry and Alice James lived at 20 Quincy Street. The house was knocked down in 1930 and the Harvard Faculty Club was erected there.

W.E.B. DuBois lived at 20 Flagg Street. The writer and pioneer of civil rights rented a room in this Cambridgeport home from 1890 to 1893. This is blocks from my childhood home. He was the first African American to receive a degree from Harvard.

Robert Frost lived at 35 Brewster Street. Frost, who attended high school in Lawrence, Massachusetts, lived in the West Cambridge home from 1943 to 1963.

T.S. Eliot lived at 16 Ash Street.

E.E. Cummings lived at 104 Irving Street. He was an innovator. He also wrote a poem about “Cambridge Women”. He lived at the Irving Street home from 1892 until about 1917.

Also you can find homes of the genius Nabokov and the great and beloved Julia Childs if you look around.

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#casey affleck #quote #feature #boston

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ericvick · 3 years

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7 Dividend Stocks to Avoid in Your Retirement Portfolio

Income stocks and retirement go hand in hand because they are both built for the long term. You don’t buy stocks for their dividends for the short term. They are steady investments that enhance your wealth the old-timey way, slowly over time.

The challenge is to find stocks that can maintain and grow their dividends year after year. If their dividends are solid, their business is likely solid as well, and you’ll also see stock price growth, too.

But there are stocks in special categories — limited partnerships (LPs), real estate investment trusts (REITs), business development corporations (BDCs) — that are structured in such a way that they cut the investor directly in on net profits and can offer tantalizing dividend yields.

InvestorPlace – Stock Market News, Stock Advice & Trading Tips

However, they can be cyclical, and those dividends may be here one day, gone the next. The seven dividend stocks to avoid in your retirement portfolio are unreliable stocks right now, so keep them out of your long-term plans.

Boston Properties (NYSE:BXP)

PPL Corp (NYSE:PPL)

Energy Transfer LP (NYSE:ET)

AT&T (NYSE:T)

VF Corp (NYSE:VFC)

Equity Residential (NYSE:EQR)

Lamar Advertising (NASDAQ:LAMR)

Retirement Stocks to Avoid: Boston Properties (BXP)

Real estate investment trust (REIT) on a black notebook on an office desk.

Source: Shutterstock

Real estate is hot, so why is this REIT on the list? Because it’s the wrong kind of real estate in the wrong places.

Certainly, in this low-interest-rate environment, REITs as a whole have done well. But you don’t judge a stock on how well it does in the good times. It’s how it gets through the bad times that matters most for long-term investors looking toward retirement.

BXP is the largest publicly traded commercial real estate developer in the U.S. It has nearly 200 buildings in Boston, Los Angeles, San Francisco, New York City and Washington, DC.

These major cities were also experiencing an exodus of corporate workforces even before the pandemic. And now it’s worse. Add to that the kryptonite of REITs — rising interest rates — and BXP becomes a REIT that’s looking like shopping mall REITs did a few years ago.

Story continues

Given that, its 3.7% dividend may look tempting now, but the stock is already pulling back.

The stock gets a D rating in my Portfolio Grader.

PPL Corp (PPL)

telephone poles and power lines with sunset as backdrop

Source: Shutterstock

With a 5.72% dividend and utility businesses in the U.K., as well as boomtown Louisville and central Pennsylvania, this would seem like a great stock for buy-and-hold investors looking toward retirement cash.

But the U.K. business is up for sale, and rising rates aren’t good for utilities because it’s a cash-intensive business, keeping everything running, reliable and safe. That means rising rates aren’t going to help PPL.

And if it sells its U.K. business, that’s going to affect cash flow, which may have a negative effect on its generous dividend. If it has to cut its dividend, that is usually like blood in the water with investors.

This isn’t the time to be blinded by PPL’s risks just for the sake of its alluring dividend.

The stock gets a D rating in my Portfolio Grader.

Energy Transfer LP (ET)

A magnifying glass zooms in on the website for Energy Transfer (ET).

Source: Casimiro PT / Shutterstock.com

As a limited partnership, ET treats its shareholders (technically unitholders) as owners and by law pays them out of net profits using a stock dividend. Given the comeback in oil stocks recently, it’s not surprising that ET’s current dividend is 6.11%.

That’s certainly tempting, but there’s plenty of risk and volatility that comes along with that. ET is a leading midstream oil company, which means it makes its money in pipelines, moving oil, natural gas and natural gas liquids from fields to refineries and distribution centers.

Do you remember Standing Rock? That was an ET-owned pipeline trying to get across the Sioux Nation. It’s still an issue. And then there’s the current ransomware attack on the Colonial Pipeline on the East Coast. The point is, there are risks here.

It’s a big company, moving about 30% of the energy patch bounty around the nation. But LPs and their dividends aren’t something you can count on, and the industry is cyclical, which isn’t exactly what you want in a retirement stock.

The stock gets a D rating in my Portfolio Grader.

AT&T (T)

a photo of the AT&T office building

Source: Roman Tiraspolsky / Shutterstock.com

It seems odd to see the old Ma Bell on this list given its long reputation as a blue-chip company. However, T isn’t the company of old.

As a matter of fact, you could make the argument that its legacy is precisely what has put it in the predicament it’s in today. It thought its primacy was going to continue when the mobile market exploded, given its powerful position in the telecom world.

But more aggressive competitors started going after AT&T’s dissatisfied base, and today it’s losing ground.

What’s more, when it bought TimeWarner Media it wasn’t prepared for entering the new digital content and streaming sector. It has been an expensive lesson.

It’s crazy to think this company with a $230 billion market capitalization and 6.5% dividend is a risky choice for retirement money, but that’s where we are.

The stock gets a D rating in my Portfolio Grader.

VF Corp (VFC)

Image of a giant boot in the street surrounded by people.

Source: rblfmr / Shutterstock.com

On any given day, you likely see a brand or two that belongs to VF Corp. It has been making apparel since 1899, and today owns brands like Dickies, Supreme, The North Face, Jansport, Vans, Timberland and others.

That seems like a pretty solid portfolio of brands covering work, outdoors and upscale leisurewear, and it is. But it’s also competing in a very competitive, low-margin market for the most part. And it’s at the will of consumer spending.

Year to date, the stock is slightly underwater. And its 2.3% dividend is solid, for now. But any disruption with suppliers in China or a weakening dollar could hurt margins.

There are plenty of other stocks without these risks, with better payouts.

The stock gets a D rating in my Portfolio Grader.

Equity Residential (EQR)

Source: IgorGolovniov / Shutterstock.com

As its name implies, EQR is a residential REIT focused on apartment buildings in major cities around the country — Washington, DC; New York; Denver; Seattle; southern California — to name a few.

The trouble is, the pandemic has moved the country online, and work-from-home solutions may well become part of the new work reality for some. Hybrid work schedules will make it less important to be working in a dense, loud, expensive city.

That means current rents and building fees may take a hit to keep units full. And given current unemployment rates, there may be tenants that just don’t have the means to live downtown.

The stock is up 25% year to date, and it has a 3.3% dividend. There are much better REITs out there at this point.

The stock gets an F rating in my Portfolio Grader.

Lamar Advertising (LAMR)

Dillsburg Veterinary Center billboard

Source: Andriy Blokhin / Shutterstock.com

Forget about digital advertising, LAMR has been in the advertising business since 1902. But its business is about 200 billboards around the U.S. and Canada, as well as about 325,000 logos, signs and transit displays.

About seven years ago, it transitioned the company into a REIT. It’s certainly a unique business, and there are none of the risks that go along with many REITs trying to make money in a rising interest rate environment.

But LAMR is expensive, trading at a current price-to-earnings (P/E) ratio of 42. There’s just not enough growth in its model for that kind of valuation. Its current dividend is around 3%, but it’s hard to see how LAMR continues at this pace long term.

The stock gets a D rating in my Portfolio Grader.

On the date of publication, Louis Navellier has no positions in any stocks in this article. Louis Navellier did not have (either directly or indirectly) any other positions in the securities mentioned in this article.

The InvestorPlace Research Staff member primarily responsible for this article did not hold (either directly or indirectly) any positions in the securities mentioned in this article.

Louis Navellier, who has been called “one of the most important money managers of our time,” has broken the silence in this shocking “tell all” video… exposing one of the most shocking events in our country’s history… and the one move every American needs to make today.

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The post 7 Dividend Stocks to Avoid in Your Retirement Portfolio appeared first on InvestorPlace.

#avoid #Dividend #Portfolio #Retirement #Stocks

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tevfikarifdonaldtrumpqtqv25-blog · 5 years

Text

Bayrock Financial and Development Targets $100 Mln for Boston Real Estate Fund

Boston, MA, March 07, 2019 --(PR.com)-- Bayrock Financial and Development Corporation (BAYROCK), a Boston-based real estate investment and development firm, is in the process of raising a new $100 million fund, https://augustafreepress.com/establishing-allies-in-business-and-politics-tevfik-arif-kanat-saudabayev-hillary-clinton-rudy-guiliani-tamir-sapir-and-donald-trump/ according Politics to regulatory filings. BAYROCK (no relation to the New York City based Bayrock Group LLC headed by Felix Sater and Donald Trump) has benefited from investor demand for alternative assets such as private equity and real estate, attracted by the high returns they have delivered.

The goal of $100 million was listed Click for info on a regulatory filing with the Securities and Exchange Commission on March 1, 2019.

"Boston's real estate market is one of the most thermogenic in the country, with most of that demand coming Tevfik Arif Bayrock from renters between the ages of 24 and 35," said Gary J. Kovner, President and CEO. BAYROCK develops new or rehabilitates old residential and commercial properties for rental or for sale. Their aim is to provide out-of-the-ordinary and environmentally friendly places to live and work at reasonable prices and to give their tenants responsive and professional services. "Now that the market's so hot, we're looking to raise more funds and get more people involved," Kovner said.

The firm, which has previously used internal capital, was founded in 2011 under the name Fenway Capital Partners LLC and bought distressed properties in Massachusetts and Florida.

In 2017, the firm rebranded to become Bayrock Financial and Development Corporation.

BAYROCK creates opportunities for people to live in affordable homes, improve their lives and strengthen their communities. The Boston region is without a doubt in the midst of one of its biggest residential building booms in living memory. Most of these proposed and under-construction residences are apartments; and most of those apartments are on the Tevfik Arif luxury end. In many other markets, apartment building is booming to try to keep up with the demand created by the under-35 crowd, but Boston's apartment pipeline is relatively unhurried compared to the vigorous condominium development. That's driving up rents of the apartments that are going up, and in turn driving young families and those 35 and older outside of the Boston and Cambridge metro areas in search of more affordable housing.

BAYROCK is 100% focused on Single & Multi-tenant investment opportunities nationally. They intend to solicit high-net-worth individuals and pension funds to join their group as "Development Partners." The objective of the company is to earn an 8 to 10 percent average annual return on its investment activities. They typically make investments in the $5 million to $20 million range and are currently exploring a number of projects in Massachusetts and Florida: cities including Boston, South Boston, East Boston, Salem, Quincy, Brockton, Lynn, Malden, Revere, Saugus, Chelsea, Peabody, Lynnfield, Beverly, Cambridge and Somerville; Daytona Beach, New Smyrna Beach, and Ormond Beach, FL, areas where we have targeted to place capital. There are a number of projects under review that fit the criteria of the company, which includes meeting their goal of making money for their investors as well as fostering economic development in urban areas that may have been ignored by others.

Contact:

Bayrock Financial and Development Corporation

110 Beverly St

Boston, MA 02114-2114

Main Telephone: 781-584-3558

Type of Organization: Private

Investor Relations Contact:

Gary J. Kovner

Phone: 781-264-6704

Email: [email protected]

Article Source:

https://www.pr.com/press-release/779151

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reneeacaseyfl · 5 years

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AI Weekly: Proposed ban on facial recognition in public housing points to regulation appetite

Facial recognition made headlines again this week after three Congressional lawmakers — Yvette Clarke (D-NY), Ayanna Pressley (D-MA), and Rashida Tlaib (D-MI) — introduced legislation that would bar the technology from public housing. As proposed, the No Biometric Barriers to Housing Act would prohibit federally funded apartment complexes from using facial analysis software, and it would require the Department of Housing and Urban Development (HUD) to detail in a report facial recognition’s impact on tenants.

Cnet noted that it would be the first national bill to prevent landlords from imposing facial recognition on tenants. Private properties would be exempt — the draft names only HUD housing — but it’s likely to spark debate about the technology’s limitations and privacy implications. For instance, the ban could affect programs like Detroit’s controversial Project Green Light, which uses facial recognition software paired with cameras erected at businesses and public housing to alert local law enforcement to potential crimes in progress.

“We’ve heard from … experts, researchers who study facial recognition technology, and community members who have well-founded concerns about the implementation of this technology and its implications for racial justice,” Tlaib said. “We cannot allow residents of HUD-funded properties to be criminalized and marginalized with the use of biometric products like facial recognition technology. We must be centered on working to provide permanent, safe, and affordable housing to every resident — and unfortunately, this technology does not do that.”

Two months ago, over 130 rent-stabilized tenants in Brooklyn filed a legal opposition to their landlord’s application to install a facial recognition entry system in their buildings. They questioned in their complaint the bias and accuracy of the system, which they worried could lock out the predominantly elderly, black and brown, and female tenants from their own homes.

“We know next to nothing about this new system, and our landlord refuses to sufficiently answer our questions about how the system works, what happens to our biometric data, and how they plan to address accuracy and bias gaps,” said tenant Icemae Downes. “We don’t believe he’s doing this to beef up security in the building. We believe he’s doing this to attract new tenants who don’t look like us.”

They have reason to be concerned. A study in 2012 showed that facial algorithms from vendor Cognitec performed 5% to 10% worse on African Americans than on Caucasians, and researchers in 2011 found that facial recognition models developed in China, Japan, and South Korea had difficulty distinguishing between Caucasian faces and those of East Asians. In a test last year, the American Civil Liberties Union demonstrated that Amazon’s Rekognition service, when fed 25,000 mugshots from a “public source” and tasked with comparing them to official photos of Congressional members, misidentified 28 as criminals. And MIT Media Lab researcher and Algorithmic Justice League founder Joy Buolamwini discovered in audits of facial recognition systems — including those made by Amazon, IBM, Face++, and Microsoft — that they performed poorly on young people, women, and people with dark skin.

Even Rick Smith, CEO of Axon, one of the largest suppliers of body cameras in the U.S., was last summer quoted as saying that facial recognition isn’t yet accurate enough for law enforcement applications.

“[They aren’t] where they need to be to be making operational decisions off the facial recognition,” he said. “This is one where we think you don’t want to be premature and end up either where you have technical failures with disastrous outcomes or … there’s some unintended use case where it ends up being unacceptable publicly in terms of long-term use of the technology.”

Perhaps unsurprisingly, beyond narrowly tailored bans, lawmakers at the national, state, and local levels have pushed back against unfettered facial recognition software. Last week, Oakland became the third U.S. city after San Francisco and the Boston suburb of Somerville to ban facial recognition use by local government departments, including its police force. U.S. Congress House Oversight and Reform Committee hearings in May saw bipartisan support for limitations on systems use by law enforcement. State legislatures in Massachusetts and Washington have considered imposing moratoriums on face surveillance platforms, and separately, the California State Legislature is currently weighing a facial recognition ban on police body cam footage, as is the Berkeley City Council.

If the current trend holds, more bans are likely on the way.

“Vulnerable communities are constantly being policed, profiled, and punished, and facial recognition technology will only make it worse,” Rep. Pressley said. “Program biases misidentify women and people of color, and yet the technology continues to go unregulated. [This bill] will ban the use of facial recognition and other biometric technologies in HUD-funded properties — protecting the civil rights and civil liberties of tenants throughout the country.”

For AI coverage, send news tips to Khari Johnson and Kyle Wiggers — and be sure to bookmark our AI Channel.

Thanks for reading,

Kyle Wiggers AI Staff Writer

P.S. Please enjoy this video of AI agents trained with Uber’s evolvability ES toolkit, which was released this week.

youtube

Credit: Source link

The post AI Weekly: Proposed ban on facial recognition in public housing points to regulation appetite appeared first on WeeklyReviewer.

from WeeklyReviewer https://weeklyreviewer.com/ai-weekly-proposed-ban-on-facial-recognition-in-public-housing-points-to-regulation-appetite/?utm_source=rss&utm_medium=rss&utm_campaign=ai-weekly-proposed-ban-on-facial-recognition-in-public-housing-points-to-regulation-appetite from WeeklyReviewer https://weeklyreviewer.tumblr.com/post/186576762717

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velmaemyers88 · 5 years

Text

AI Weekly: Proposed ban on facial recognition in public housing points to regulation appetite

If the current trend holds, more bans are likely on the way.

For AI coverage, send news tips to Khari Johnson and Kyle Wiggers — and be sure to bookmark our AI Channel.

Thanks for reading,

Kyle Wiggers AI Staff Writer

P.S. Please enjoy this video of AI agents trained with Uber’s evolvability ES toolkit, which was released this week.

youtube

Credit: Source link

The post AI Weekly: Proposed ban on facial recognition in public housing points to regulation appetite appeared first on WeeklyReviewer.

0 notes

weeklyreviewer · 5 years

Text

AI Weekly: Proposed ban on facial recognition in public housing points to regulation appetite

If the current trend holds, more bans are likely on the way.

For AI coverage, send news tips to Khari Johnson and Kyle Wiggers — and be sure to bookmark our AI Channel.

Thanks for reading,

Kyle Wiggers AI Staff Writer

P.S. Please enjoy this video of AI agents trained with Uber’s evolvability ES toolkit, which was released this week.

youtube

Credit: Source link

The post AI Weekly: Proposed ban on facial recognition in public housing points to regulation appetite appeared first on WeeklyReviewer.

0 notes

charlesccastill · 6 years

Text

Urban Spaces Set to Break Ground on Kendall East Mixed-Use Apartment Complex

Cambridge, MA – Urban Spaces, a Cambridge-based commercial real estate development company that focuses on mid-sized, transit-oriented projects, will begin demolition next week on its former headquarters to make way for Kendall East, a mixed-use apartment complex comprised of 136 units and 14,800 square feet of retail.

The site, which encompasses 99-119 First Street, 18 Hurley Street, and 29 Charles Street, is located across from CambridgeSide, a mixed-use one million square foot shopping center, located within a short walking distance to Kendall Square, Lechmere Station, and Cambridge Crossing.

Designed by award-winning architectural firm Perkins Eastman, Kendall East is set to begin demolition next week and begin construction of the new buildings in April. The larger of the two pet-friendly buildings in the complex will include 118 luxury apartments above 14,800 square feet of ground floor retail and 23 surface parking spaces to support retail.

This parcel was once home to interconnected office and retail buildings (including the Urban Spaces headquarters and Petco). An additional 18 residential units will be built on the adjacent parcel. The two buildings will share a two-level underground garage with 142 parking and 159 bicycle spaces that will be built underneath a half acre open air green space. The space will include a bike and pedestrian path that will connect Charles and Hurley Street. Construction is expected to be completed in 2020.

“With office and lab space in Kendall Square and the First Street Corridor nearly at full occupancy and Cambridge Crossing signing leases with Sanofi and Phillips for over a million square feet, the demand for luxury apartments in East Cambridge has never been greater,” said Paul Ognibene, CEO of Urban Spaces. “In addition to the housing and neighborhood retail, Kendall East will be providing beautiful green space to the evolving First Street Corridor.”

The complex will be comprised of a four-story and a six-story wood frame building constructed over steel and concrete podium. The 136 apartments will be a mix of studio, one, two, and three-bedroom units, with 16 designated as affordable. Apartment rental service Zumper’s Boston Metro Report for January 2019 rated Cambridge as the most expensive Massachusetts city to rent in, affirming the high demand of the Cambridge rental market.

Kendall East is an integral component of the First Street Corridor, a $275 million development that is adding much-needed vitality to the approximately one mile stretch between the Lechmere MBTA station and Kendall Square – the heart of the Cambridge life science and technology hub – with a blend of residential, retail, office, and open space. When completed, the development will add 53,000 square feet of office space, 50,000 square feet of retail, 250 parking spaces, and over 250 housing units to supply-constrained East Cambridge.

from boston condos ford realtor https://bostonrealestatetimes.com/urban-spaces-set-to-break-ground-on-kendall-east-mixed-use-apartment-complex/

#boston #condos #boston condos #boston luxury condo #boston condominium #boston rentals #boston condo

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addictionrecoveryassistance · 6 years

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Digits of Destiny: The Hottest ZIP Codes in America for 2018

iStock; realtor.com

When you’re looking for the new hot spots, you want to follow the young people. And true to form, millennials are leading the charge in the American neighborhoods that are seeing the most real-estate action this year.

Here at realtor.com®, we regularly report on the hottest markets for buyers and sellers. And once a year, we zoom in even further, to focus on the neighborhoods where homes are flying off the market and listing views get constant clicks. That’s how we arrive at our list of the hottest ZIP codes in America.

So what’s hot? Suburbs. In ever-increasing numbers, millennials are fleeing downtown and heading for the nearby towns, especially around Silicon Valley and throughout the Midwest and East Coast. That youth wave is driving a nearly 10% increase in how fast homes are selling in those areas.

It turns out the classic selling points of the burbs—more space, good schools—grow more appealing as young people start families and their priorities shift.

“The higher-earning millennials in particular feel increasingly confident,” says Jason Dorsey, president of the Austin, TX–based Center for Generational Kinetics, pointing out that those who weathered the Great Recession are generally now in a good place in their careers. Sure, they may have student debt, but it’s more likely to be under control. So they’re ready to invest in a home.

“When it comes to choosing a home of their own, millennials are looking for opportunity and they’re finding it in affordable suburbs,” said Danielle Hale, chief economist for realtor.com, in a statement.

The homes in the top markets on our list are relatively affordable, with a median price of $358,000—typically, more affordable than in their surrounding area. That makes them a good choice for starter homes.

So where are these hot hoods? Read on to find out. (You can also see the full list of 50.)

1. 49508: Kentwood, MI

Median listing price: $193,168

This area is known for its tree-lined streets, close-knit community, and quick commute to Grand Rapids, which we’ve previously identified as an up-and-coming urban powerhouse. It’s also just 30 miles from beautiful Lake Michigan, for those weekend getaways.

But above all, affordability is the key draw for Kentwood, says Trisha Cornelius, a real estate agent with Keller Williams Realty in Grand Rapids.

“Kentwood is where you go if you want a dog and a yard,” she says.

This ZIP code, in particular, is known for its strong schools, which attract families. She’s also seen graduates and retirees moving in.

“It wasn’t always this way in Kentwood,” Cornelius says. “At one time there was an overwhelming number of condos and apartments. Kentwood was more of a transitional neighborhood you live in before moving on to something better. But not anymore. It’s really grown and is a stable place to live.”

2. 80922: Colorado Springs, CO

Median listing price: $297,811

A haven for nature lovers, Colorado Springs sits on the eastern edge of the Rocky Mountains and boasts gorgeous views and sunny weather. Denver is just 70 miles away, but Colorado Springs’ economy is doing just fine on its own, with tech startups and the Air Force Academy and UC Memorial Hospital North in the vicinity. (We had already predicted the city to be one of the hottest markets of 2018, late last year.)

“People are choosing Colorado Springs over Boulder and Denver because those cities are really, really expensive,” says Susanna Haynie, broker and owner of Colorado Real Estate Group in Colorado Springs.

“The east side [where ZIP code 80922 is located] is where the families are moving in,” Haynie adds. “That’s where you can get a bang for your buck and all the amenities a family would want: pools, big backyards, you name it.”

But the secret is definitely out—it’s a seller’s market, with a major shortage of homes for sale and rent.

“There’s a high buyer demand, and this is going to have a huge effect over the next 12 months,” Haynie says.

3. 76148: Watauga, TX

Median listing price: $183,576

Over the past few years we’ve become familiar with the charms of Watauga, the Fort Worth suburb that topped our hottest ZIPs in 2017 and 2016. It slipped a couple of spots this year, but it’s still going strong. The small town may not be exciting, but with easy access to jobs, shopping, and entertainment in Fort Worth, Watauga appeals to young families who are looking for more space and top-notch schools.

“You can get a great house at an incredible value and get more for your money,” says Megan Phelps, a real estate agent with Re/Max Heritage in Fort Worth. “Location and price are what’s driving growth.”

Buyers in Watauga are primarily millennials—they make up 33% of new purchase mortgages in this ZIP code. They also have a 65% homeownership rate here.

4. 94546: Castro Valley, CA

Median listing price: $784,238

The San Francisco Bay Area real estate market is ultrahot—some would say overheated—but quiet Castro Valley offers a pocket of relative affordability, with homes that cost 5% less than in the rest of the country and 17% less than in the broader metro area.

Affordability, an excellent school system, and easy rail access to San Francisco, Oakland, and Berkeley make this area especially appealing to young professionals. So it’s no wonder that millennials make up 38% of new purchase mortgages in this ZIP code, although the dominant age group among buyers remains a little older, at 35 to 44.

5. 01960: Peabody, MA

Median listing price: $424,685

Settled in 1626 by a small group of English colonists, Peabody, just 15 miles northeast of Boston, has a rich history. Formerly a major center of New England’s leather industry, it now has Analogic Corp. and Tradewin Consulting Services as its biggest employers. The small but vibrant community boasts top-rated schools. Although 35- to 44-year-olds obtain the majority of purchase mortgages in this ZIP code, millennials have 32%. And with a median household income of $73,312, millennials here earn more than the typical household.

———

Rounding out the top 10 are:

6. 83704: Boise, ID

7. 43085: Worthington, OH

8. 66210: Overland Park, KS

9. 14624: Rochester, NY

10. 07043: Upper Montclair, NJ

Allison Underhill contributed to this report.

The post Digits of Destiny: The Hottest ZIP Codes in America for 2018 appeared first on Real Estate News & Insights | realtor.com®.

Digits of Destiny: The Hottest ZIP Codes in America for 2018

#TRUSTED LOCAL REALTOR #Digits of Destiny: The Hottest ZIP Codes in America for 2018

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gillespialfredoe01806ld · 6 years

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Digits of Destiny: The Hottest ZIP Codes in America for 2018

iStock; realtor.com

It turns out the classic selling points of the burbs—more space, good schools—grow more appealing as young people start families and their priorities shift.

So where are these hot hoods? Read on to find out. (You can also see the full list of 50.)

1. 49508: Kentwood, MI

Median listing price: $193,168

But above all, affordability is the key draw for Kentwood, says Trisha Cornelius, a real estate agent with Keller Williams Realty in Grand Rapids.

“Kentwood is where you go if you want a dog and a yard,” she says.

This ZIP code, in particular, is known for its strong schools, which attract families. She’s also seen graduates and retirees moving in.

2. 80922: Colorado Springs, CO

Median listing price: $297,811

But the secret is definitely out—it’s a seller’s market, with a major shortage of homes for sale and rent.

“There’s a high buyer demand, and this is going to have a huge effect over the next 12 months,” Haynie says.

3. 76148: Watauga, TX

Median listing price: $183,576

Buyers in Watauga are primarily millennials—they make up 33% of new purchase mortgages in this ZIP code. They also have a 65% homeownership rate here.

4. 94546: Castro Valley, CA

Median listing price: $784,238

5. 01960: Peabody, MA

Median listing price: $424,685

———

Rounding out the top 10 are:

6. 83704: Boise, ID

7. 43085: Worthington, OH

8. 66210: Overland Park, KS

9. 14624: Rochester, NY

10. 07043: Upper Montclair, NJ

Allison Underhill contributed to this report.

The post Digits of Destiny: The Hottest ZIP Codes in America for 2018 appeared first on Real Estate News & Insights | realtor.com®.

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Rent vs. Buy: 10 Cities Where You’ll Get the Most Bang for Your Buck

espiegle/iStock

Welcome to the tortured, modern American real estate soliloquy: to buy or not to buy? For millions of urban and suburban dwellers alike, that is the question. And it’s a tough one: As home prices keep nudging higher, so do rents, which don’t provide any equity.

You’ve calculated your assets and earnings. You’ve nailed down your lifestyle costs to the penny. You’ve zeroed in on the area where you want to put down roots. And you’re totally down with the whole American Dream of home ownership, tired of flushing away buckets of cash each month with nothing to show for it. But can you afford this? Saving up for that down payment and monthly mortgage can be an intimidating feat, especially for all those first-time buyers burdened with student loan debt.

That’s why renters across the country look around and wonder: Does it makes more financial sense, at this point in time, to rent rather than buy a home? The wallet-conscious data team at realtor.com® decided to dig into the numbers to find out.

We learned that homeownership isn’t always the best bet. It all depends on how much money you’re making compared to your expenses, what your plans and financial goals are, and, most importantly, where you plan to buy.

“Homeownership is the opportunity to build wealth. It also helps people be more stable,” says Joseph Kirchner, realtor.com’s senior economist. “If there’s a recession and you lose your job for a year, then people can take out a home equity loan and get through the hard times.” But the entry costs can be prohibitive.

To figure out where it makes more sense to rent instead of buy—and vice versa—realtor.com looked at the annual median costs of renting compared to the annual median costs of owning, including mortgage, taxes, and insurance payments, in the 500 largest U.S. counties. Then we looked at the median incomes (aka the size of paychecks) in each of those counties, to figure out where renting—or buying—was more financially advantageous.* (We capped the list at just two counties per state, to ensure geographic diversity.)

Then we boiled our info down into the monthly costs of ownership and for renting.

Our calculations also don’t factor in the costs of down payments or annual maintenance. And they don’t include home appreciation, which makes the investment worth more as the years go by. Rule of thumb: You should plan on staying in your home for at least five to seven years, to build enough equity to cover sales costs, Kirchner says.

Got it? Let’s start with the places where it’s cheaper to rent.

Best cities to rent in

Claire Widman

Best places to rent, not buy 1. New York, NY (Manhattan)

Median monthly rental cost: $1,915 Median monthly home ownership costs: $10,700** Median home sale price: $2,187,000

Buy in SoHo? More like So-NO!

NicolasMcComber/iStock

Everything is bigger in the Big Apple—salaries, egos, rats, and especially real estate price tags. One Upper East Side townhouse recently went under contract for a record-breaking $80 million. Folks here barely paused long enough to say ‘Wow.’ We expect this kind of craziness.

The city has always been a favorite enclave of the rich and famous. It attracts royalty, celebrities, and regular folks hailing from just about every corner of the world. So factor together the city’s uber-desirability with the dearth of condos, co-ops, and townhouses on the market, and you can understand why prices have been pushed to dizzying heights.

“Manhattan gets a lot of attention from international investors,” says real estate agent Grant Braswell of the Braswell Team. “If people are looking for a trophy apartment, it’s the first place to look.”

While rents are still as high as the Freedom Tower by comparison with most other U.S. markets, the city does have some rent-stabilized units. And rents on the high end of the market are starting to dip. That’s due to the influx of new rental towers hitting the market, forcing landlords to offer concessions, like a free month’s rent and other perks, to fill up the new and existing buildings.

“It’s a wonderful place to live, with so many jobs and opportunities.” says Braswell. “[But] there are very few affordable [homes] for purchase.”

2. Santa Barbara County, CA

Median monthly rental cost: $1,958 Median monthly home ownership costs: $6,500 Median home sale price: $888,000

Santa Barbara

bpperry/iStock

Often referred to as the “American Riviera,” Santa Barbara is known for its gentle Mediterranean climate, beautiful beaches, and dramatic, chaparral-covered peaks. But the coastal town that’s adored for its historic Mission Revival architecture and relaxed vibe—surf in the morning and go to work late!—is also known for its nosebleed-inducing real estate costs.

“The lifestyle is so great, people are willing to pay the premium,” says financial planner Jenna Rogers, of Mission Wealth in Santa Barbara.

But rents, while high, are less than a third of what it costs to own in this beachy county. There are plenty of rentals under $2,000.

3. Kings County, NY (Brooklyn)

Median monthly rental cost: $1,915 Median monthly home ownership costs: $4,400 Median home sale price: $874,000

Apartments for rent in Brooklyn

Barry Winiker/Getty Images

While its neighbor to the west, Manhattan, may attract more socialites and foreign investors, Brooklyn’s housing market has tons of A-list appeal. Sarah Jessica Parker’s “Sex in the City” persona, Carrie Bradshaw, may have famously lived in the West Village, but the actress and her hubby, Matthew Broderick, have opted for brownstone-lined Brooklyn streets over Manhattan high-rises, as have Maggie Gyllenhaal, Peter Dinklage, and countless other celebs. Brooklyn just has that artsy, cool factor that appeals to a wide range of folks, especially single millennials and young families.

It’s a diverse borough, ranging from exorbitant hipster hot spots to reasonably priced communities of working-class residents and immigrants. And it’s becoming ever more welcoming to renters.

An influx of new, luxury rental apartment buildings have opened in recent years, which has had a positive impact on prices. It’s actually more affordable to rent than it was just a couple of years back. Woohoo!

“There’s not enough demand to fill [all the new buildings],” real estate agent Braswell says. “It’s a pretty soft rental market.”

4. Monterey County, CA

Median monthly rental cost: $1,666 Median monthly home ownership costs: $4,500 Median home sale price: $889,000

Morning in Monterey, CA

optionm/iStock

Super-upscale Monterey and picturesque Big Sur were recently on display in HBO’s “Big Little Lies,” making the show appointment fetish viewing for real estate obsessives. There are a wide array of beautiful homes in the area, from historic bungalows to multimillion-dollar homes on gated golf courses. But there aren’t many condos or apartments—making it harder to break into the starter home market.

That leaves those without some seriously deep pockets forced to rent if they’d like to stay in the community. Hey, renting isn’t so bad. Those able to drop $2,800 a month on an apartment (still cheaper than the $4,500 they’ll pay to own), can score killer ocean views.

5. Suffolk County, MA (Boston)

Median monthly rental cost: $1,895 Median monthly home ownership costs: $3,400 Median home sale price: $782,000

Townhouses on Commonwealth Avenue in Boston

pawel.gaul/iStock

As the birthplace of the United States’ first public recreation area (Boston Common), oldest African-American church (African Meeting House), and the Revolutionary War (site of the Boston Tea Party), Boston is one of the most historically significant regions in the nation. It’s also one of the most competitive real estate markets.

“Ultimately, there’s much more upfront money needed to purchase vs. rent,” says Amy Goldberg, vice president at the real estate brokerage Compass Boston. “Bidding wars are common in Boston, and buyers need to put a lot down in order to make their offer stronger and stand out to sellers.”

At the same time, rents have actually leveled due to a deluge of shiny new full-service apartment buildings. Owners of older units that haven’t been updated are having a harder time finding tenants, so prices have fallen.

Rounding out the top 10 counties where renting may be a better option than buying are Maui County, HI; Fairfield County, CT; Santa Fe County, NM; Hudson County, NJ, and Miami-Dade County, FL.

Best places to buy, not rent Best cities to buy in

Claire Widman

Those not making high six- or even seven-figure incomes shouldn’t despair. They may not be able to afford a co-op in New York City, but that doesn’t mean they’re destined to never become homeowners. They just need to know where to look. Here are the counties where it’s more affordable to buy than rent.

1. Baltimore County, MD

Median monthly rental cost: $1,443 Median monthly home ownership costs: $900 Median home sale price: $257,000

Mount Vernon neighborhood in Baltimore

SeanPavonePhoto/iStock

Baltimore’s wave of foreclosures during the financial crisis struck hard, and the housing market is still catching up. That means that prices on 19th-century brick row houses near the Inner Harbor and larger, grander townhouses farther away from downtown have remained relatively affordable. The median list price throughout the city is just $179,000.

That’s made it attractive for folks priced out of Washington, D.C., where the median list price is a $550,000. The city’s downtown business district has been growing over the past few years, and developers have been trying to capitalize on the influx with a slew of luxury waterfront high-rises, driving up the rents.

“Housing values in Baltimore were slower to recover after the housing downturn than some other metro areas,” says real estate agent Wayne Curtis with RE/MAX Advantage Realty Baltimore. “With low interest rates, it’s actually less expensive to buy than it is to rent.”

2. Clayton County, GA (outside Atlanta)

Median monthly rental cost: $1,185 Median monthly home ownership costs: $660 Median home sale price: $130,000

Clayton County Courthouse

Wikipedia CC

Clayton County, located just about 20 minutes away from downtown Atlanta, has fallen on tough times. Not long before the housing bust incited a flood of foreclosures, the local school system lost its accreditation. The general economy was hit hard, and home prices went down to near nothing.

Then the investors came in to snap up everything left, fixed up the homes, and rented them out for a profit.

“Rents skyrocketed” as a result, says Kent R. Miller, owner of RE/MAX Advantage in Jonesboro. Post-housing-bust, it’s become far more affordable to purchase a home than to rent.

The median list price in Clayton County, at $130,050, is less than half the national median of $270,000. Cost-conscious buyers can still snag a fixer-upper in the county in the mid-$30,000s.

But prices are starting to creep up in this rural and suburban county, home to Confederate War battlefields and classic antebellum architecture.

3. Schuylkill County, PA

Median monthly rental cost: $847 Median monthly home ownership costs: $390 Median home sale price: $71,000

Tamaqua, PA, in Schuylkill County

Hshuvaeva/Wikipedia CC

Blanketed with rolling hills and quaint 1930s homes, Schuylkill County, PA, looks as if it could be the backdrop for a Norman Rockwell painting. The coal country county is about an hour’s drive from both Allentown and Reading, two manufacturing towns that have been staging a resurgence.

The median list price in Schuylkill is a fraction of that of Allentown, at $161,000, or Reading, at $139,000.

On the border of the county, new developments have sprouted up, offering new residents bigger homes on larger lots for significantly less money than a smaller property would cost in Berks or Lehigh County, where there are more jobs and businesses.

“If you’re in the sections that border neighboring counties, property taxes are lower, school taxes are lower” than across the border, says Kim Marks, a sales associate at Coldwell Banker.

Homes in some of the newer developments will set buyers back significantly more, though, ranging from $250,000 to $350,000.

4. Cumberland County, NJ

Median monthly rental cost: $1,271 Median monthly home ownership costs: $840 Median home sale price: $130,000

Cumberland County, NJ

Wikipedia CC

The fortunes of the economy of Cumberland County, set on the salt marshes of the Delaware River, about a 45-minute drive outside Philadelphia, have ebbed and flowed. It was once home to thriving oyster and shipbuilding industries, when sea captains built grand Victorian homes. These fell on hard times, and then the area’s silica-rich sand mines helped it to become a center for glass-making—until the rise of plastic drove many glass factories out of business.

The county still hasn’t sifted through the distressed housing inventory left over from the Great Recession—and investors have snapped up dirt-cheap properties and jacked up the rents on recently foreclosed residents.

Those factors have led to a buyer’s market. The median list price is low, so buyers who are willing to commute to Philadelphia can pick up a house for $30,000 to $100,000 less than in the city, says Larry DePalma, broker-owner of DePalma Realty.

“We have a nice little rural pocket here,” he says. Land is cheaper, so “it’s easier to build houses.”

5. Wayne County, MI (Detroit)

Median monthly rental cost: $1,008 Median monthly home ownership costs: $630 Median home sale price: $86,000

Renovated apartment building in the Palmer Park Historic District of Detroit

Mark Williamson/Getty Images

Wayne County is home to Detroit—a city that only a few years ago went bankrupt. But after decades of job losses, population declines, and foreclosures, the one-time auto manufacturing town is experiencing something of a revival.

“There is a lot of excitement now. We were hit so hard for so long, but it is amazing to watch what’s been going on for the past four or five years,” says Nikolas Leible, a real estate agent at Cooke Realty in the Detroit area. “Our focus used to be on manufacturing, but now we have entrepreneurs and artists coming into the area, and restaurants popping up every day.”

Despite all that improvement, homes are still a bargain here. Buyers can score a two- or three-bedroom abode for just a few thousand dollars. They just may need to roll up their sleeves and put in quite a bit of work (and cash for renovations and back taxes) into it.

Rounding out the top five counties where it may make more financial sense to buy than rent are Madison County, IN (Indianapolis, IN); Richmond County, GA (Augusta, GA); Wyandotte County, KS (Kansas City, KS); Montgomery County, AL; and Cambria County, PA.

* Home price data is from realtor.com, rental price data is fiscal year 2017 from the U.S. Department of Housing and Urban Development, and income..

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Rent vs. Buy: 10 Cities Where You’ll Get the Most Bang for Your Buck

espiegle/iStock

Then we boiled our info down into the monthly costs of ownership and for renting.

Got it? Let’s start with the places where it’s cheaper to rent.

Best cities to rent in

Claire Widman

Best places to rent, not buy 1. New York, NY (Manhattan)

Median monthly rental cost: $1,915 Median monthly home ownership costs: $10,700** Median home sale price: $2,187,000

Buy in SoHo? More like So-NO!

NicolasMcComber/iStock

“It’s a wonderful place to live, with so many jobs and opportunities.” says Braswell. “[But] there are very few affordable [homes] for purchase.”

2. Santa Barbara County, CA

Median monthly rental cost: $1,958 Median monthly home ownership costs: $6,500 Median home sale price: $888,000

Santa Barbara

bpperry/iStock

“The lifestyle is so great, people are willing to pay the premium,” says financial planner Jenna Rogers, of Mission Wealth in Santa Barbara.

But rents, while high, are less than a third of what it costs to own in this beachy county. There are plenty of rentals under $2,000.

3. Kings County, NY (Brooklyn)

Median monthly rental cost: $1,915 Median monthly home ownership costs: $4,400 Median home sale price: $874,000

Apartments for rent in Brooklyn

Barry Winiker/Getty Images

It’s a diverse borough, ranging from exorbitant hipster hot spots to reasonably priced communities of working-class residents and immigrants. And it’s becoming ever more welcoming to renters.

“There’s not enough demand to fill [all the new buildings],” real estate agent Braswell says. “It’s a pretty soft rental market.”

4. Monterey County, CA

Median monthly rental cost: $1,666 Median monthly home ownership costs: $4,500 Median home sale price: $889,000

Morning in Monterey, CA

optionm/iStock

5. Suffolk County, MA (Boston)

Median monthly rental cost: $1,895 Median monthly home ownership costs: $3,400 Median home sale price: $782,000

Townhouses on Commonwealth Avenue in Boston

pawel.gaul/iStock

Rounding out the top 10 counties where renting may be a better option than buying are Maui County, HI; Fairfield County, CT; Santa Fe County, NM; Hudson County, NJ, and Miami-Dade County, FL.

Best places to buy, not rent Best cities to buy in

Claire Widman

1. Baltimore County, MD

Median monthly rental cost: $1,443 Median monthly home ownership costs: $900 Median home sale price: $257,000

Mount Vernon neighborhood in Baltimore

SeanPavonePhoto/iStock

2. Clayton County, GA (outside Atlanta)

Median monthly rental cost: $1,185 Median monthly home ownership costs: $660 Median home sale price: $130,000

Clayton County Courthouse

Wikipedia CC

Then the investors came in to snap up everything left, fixed up the homes, and rented them out for a profit.

“Rents skyrocketed” as a result, says Kent R. Miller, owner of RE/MAX Advantage in Jonesboro. Post-housing-bust, it’s become far more affordable to purchase a home than to rent.

The median list price in Clayton County, at $130,050, is less than half the national median of $270,000. Cost-conscious buyers can still snag a fixer-upper in the county in the mid-$30,000s.

But prices are starting to creep up in this rural and suburban county, home to Confederate War battlefields and classic antebellum architecture.

3. Schuylkill County, PA

Median monthly rental cost: $847 Median monthly home ownership costs: $390 Median home sale price: $71,000

Tamaqua, PA, in Schuylkill County

Hshuvaeva/Wikipedia CC

The median list price in Schuylkill is a fraction of that of Allentown, at $161,000, or Reading, at $139,000.

“If you’re in the sections that border neighboring counties, property taxes are lower, school taxes are lower” than across the border, says Kim Marks, a sales associate at Coldwell Banker.

Homes in some of the newer developments will set buyers back significantly more, though, ranging from $250,000 to $350,000.

4. Cumberland County, NJ

Median monthly rental cost: $1,271 Median monthly home ownership costs: $840 Median home sale price: $130,000

Cumberland County, NJ

Wikipedia CC

“We have a nice little rural pocket here,” he says. Land is cheaper, so “it’s easier to build houses.”

5. Wayne County, MI (Detroit)

Median monthly rental cost: $1,008 Median monthly home ownership costs: $630 Median home sale price: $86,000

Renovated apartment building in the Palmer Park Historic District of Detroit

Mark Williamson/Getty Images

* Home price data is from realtor.com, rental price data is fiscal year 2017 from the U.S. Department of Housing and Urban Development, and income..

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