Category Archives: Bedford

Italy cancelling mortgage bills | Bedford Real Estate

Homeowners in Italy are seeing many of their bills suspended – including mortgages – as the country deals with the coronavirus pandemic, and now other European nations are considering similar moves.

Is a “mortgage holiday” coming to America?

The short answer is: probably not. Most American mortgages are packaged into bonds with legal terms that dictate what the servicers who handle the billing can and can’t do. There are ways servicers can offer forbearance – an agreement to let borrowers either pay at a lower interest rate or suspend payments temporarily because of a hardship. But it’s on a case-by-case basis.

“Somebody owns those bonds,” said Mark Vitner, a senior economist with Wells Fargo. “Who is going to make those interest payments?”

Any missed or reduced payments typically have to be repaid, with interest. Sometimes, that means the loan will be re-amortized, so whatever you don’t pay now, you’ll be paying off over the remaining years of your loan, with interest.

America’s mortgage market is much bigger than Italy’s $423 billion of outstanding home-loan debt. The U.S. has about $11 trillion of mortgages on one- to four-family homes, according to Federal Reserve data. More than half of that is contained in bonds compiled and backed by Fannie Mae and Freddie Mac.

The Federal Housing Finance Agency, which oversees those government-controlled mortgage securitizers, issued a directive last week urging servicers to offer help to people who fall behind on mortgage payments because of the coronavirus pandemic.

“To meet the needs of borrowers who may be impacted by the coronavirus, last week Fannie Mae and FreddieMac reminded mortgage servicers that hardship forbearance is an option for borrowers who are unable to make their monthly mortgage payment,” said FHFA Director Mark Calabria. “For borrowers that may be experiencing a hardship, I encourage you to reach out to your servicer.”

In addition, regulators such as the Federal Reserve on Tuesday urged U.S. banks such as Wells Fargo and JPMorgan Chase to work “constructively” with borrowers affected by the coronavirus outbreak, promising they won’t get dinged by examiners as long as the measures show good judgment.

Italy has been the nation with the biggest outbreak of COVID-19, the disease caused by the new coronavirus, outside of China. Italy has more than 15,000 cases, and more than 1,000 people have died, according to Johns Hopkins University.

While Italy is the only government to introduce a plan to suspend mortgage payments for people affected by the lockdown – and so far it’s only for the worst-hit areas of the nation – other European countries may follow suit, according to an S&P report.

“New monetary and fiscal stimulus measures are currently being launched daily and the Italian government is contemplating broadening the mortgage payment suspension scheme nationwide,” S&P said.

“Some banks and governments in other countries, including France, Spain, and the U.K., have mooted similar measures, although the potential scale of eligibility and level of uptake among borrowers could vary widely and are not yet known,” the report said.

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Bedford Town supervisor update

March 16, 2020
Supervisor Update on COVID-19
As you may know, I issued an emergency declaration last week and an additional order yesterday.  We understand that two Bedford residents have been tested positive, though I have not yet received official notification from the Westchester County Department of Health.  It is highly likely that more Bedford residents will test positive.
This is uncharted territory. Our obligation is to take action to protect public health and safety, erring on the side of caution. We have taken the following actions: 

  1. Closure of Town Offices  We have closed Town Offices to the public, except by appointment with the Tax Receiver for cash payments.  We encourage you to make payments by check or money order (utilizing the drop box in front of 425 Cherry Street) or online at www.bedfordny.gov(click on “Pay Taxes and Parking Tickets”).  Only essential employees will be coming to work on a staggered basis in observance of the Governor’s order regarding staffing.  
  2. Town Parks  Due to the use of playground equipment, basketball courts and other town park facilities in which groups gather and have close physical contact, I have closed the hamlet parks (Bedford Hills Memorial Park, Bedford Village Memorial Park and Katonah Memorial Park) and Canine Commons to vehicular traffic (except emergency vehicles).  You certainly may walk into the parks, use the trails and grounds, but please no groups and we ask that you please observe social distancing. We are looking into whether we can re-open the parks to vehicular traffic, but only if we can do so without compromising the public safety. 
  3. Cancellation of Programs, Events and Meetings  We have cancelled meetings of advisory committees and boards. We are deciding on a case by case whether to cancel meetings of the Planning Board, Zoning Board of Appeals and other permitting boards. We will hold tomorrow’s meeting of the Town Board with videoconferencing capability (see notice). 

I wish to share with you the following:Quarantine and IsolationMany of you asked for more clarity on quarantine parameters. Included in this email are links to the information released by New York State Health Commissioner Dr. Zucker for testing guidance: https://www.governor.ny.gov/sites/governor.ny.gov/files/atoms/files/Interim_Testing_Guidance_COVID-19.pdfand quarantine and isolation guidance:https://www.governor.ny.gov/sites/governor.ny.gov/files/atoms/files/Interim_Containment_Guidance_COVID-19.pdfPrice GougingIf you are witnessing price gouging on items like cleaning supplies, toilet paper or soap, please encourage them to call the New York State Department of Consumer Protection.They have launched a toll-free hotline 1-800-697-1220 and will investigate reports of unfair price increases amid the novel coronavirus outbreak. Testing  I’ve been asked about the status of expansion of testing capabilities. I asked Dr. Sherlita Amler, Westchester County Commissioner of Health on a conference call today among other Town supervisors.  She replied that the leading effort now is to provide drive-through testing.  
For maximum safety, patients remain in their cars for the tests, which are administered by a public health professional outfitted in protective clothing. Each appointment would only take a few minutes. Prevention  Please continue to take “everyday” preventive measures of avoiding exposure to other illnesses.   

  • Avoid close contact with people who are sick.
  • Avoid touching your eyes, nose, and mouth.
  • Stay home when you are sick.
  • Cover your cough or sneeze with a tissue, then throw the tissue in the trash.
  • Clean and disinfect frequently touched objects and surfaces using a regular household cleaning spray or wipe.

Follow CDC’s recommendations for using a facemask.

  • CDC does not recommend that people who are well wear a facemask to protect themselves from respiratory diseases, including COVID-19.
  • Facemasks should be used by people who show symptoms of COVID-19 to help prevent the spread of the disease to others.
  • Wash your hands often with soap and water for at least 20 seconds, especially after going to the bathroom; before eating; and after blowing your nose, coughing, or sneezing.
  • If soap and water are not readily available, use an alcohol-based hand sanitizer with at least 60% alcohol. Always wash hands with soap and water if hands are visibly dirty.

 For information about handwashing, see CDC’s Handwashing websiteFor information specific to healthcare, see CDC’s Hand Hygiene in Healthcare Settings
These are everyday habits that can help prevent the spread of several viruses. Chris BurdickTown Supervisorsupervisor@bedfordny.gov914-666-6530

Minority homeownership rate increases | Bedford Real Estate

The minority homeownership rate increased to 48.6 percent in the fourth quarter of 2019, up 0.8 percentage points from the fourth quarter of 2018, according to a new data release from the Census Bureau’s Housing Vacancies and Homeownership survey (CPS/HVS) (Figure 1). This is the highest it has been since the third quarter of 2011 (48.9 percent). This year-over-year gain is higher than the gain in the overall U.S. homeownership rate, which rose 0.3 percentage points to 65.1 percent in the fourth quarter of 2019 (a six-year high). A separate Eyeonhousing.org post covers the U.S. homeownership rate in more detail.

Breaking down the minority homeownership rate shows that the Hispanic homeownership rate gained the most in the fourth quarter, with a 1.2 percentage point increase to 48.1 percent (from 46.9 percent in the fourth quarter of 2018).

The black homeownership rate posted the second largest gain of 1.0 percentage points to reach 44.6 percent in the fourth quarter of 2019 (from 43.6 percent in the fourth quarter of 2018). This is the largest quarter gain in the black homeownership rate since the first quarter of 2017.

Meanwhile, Other households (Asian, Pacific-Islander, Native American, and other race households) experienced a decline in their homeownership rate, dropping 1.0 percentage points to 57.1 percent (from 58.1 percent in the third quarter of 2019). The Other homeownership rate has now declined for four consecutive quarters (year-over-year declines), which is in contrast to strong gains seen for this group between the second quarter of 2017 and the third quarter of 2018.

The white homeownership grew by only 0.1 percentage points to 73.7 percent in the fourth quarter (from 73.6 percent in the fourth quarter of 2018). The white homeownership rate has not declined year-over-year since the first quarter of 2017 (Figure 2).

Mortgage rates are still relatively low, and a healthy job market has helped to make homeownership more affordable. In fact, housing affordability was at a three-year high in the third quarter of 2019, according to the National Association of Home Builders’ Housing Opportunity Index (HOI). These factors are most likely contributing to the recent upticks in the overall and minority homeownership rates.

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Mortgage rates average 3.60% | Bedford Real Estate

Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing that the 30-year fixed-rate mortgage (FRM) averaged 3.60 percent.

“Rates fell to the lowest level in three months and are about a quarter point above all-time lows,” said Sam Khater, Freddie Mac’s Chief Economist. “The very low rate environment has clearly had an impact on the housing market as both new construction and home sales have surged in response to the decline in rates, the rebound in the economy and improving financial market sentiment.”

News Facts

  • 30-year fixed-rate mortgage averaged 3.60 percent with an average 0.8 point for the week ending January 23, 2020, down from last week when it averaged 3.65 percent. A year ago at this time, the 30-year FRM averaged 4.45 percent. 
  • 15-year fixed-rate mortgage averaged 3.04 percent with an average 0.8 point, down from last week when it averaged 3.09 percent. A year ago at this time, the 15-year FRM averaged 3.88 percent. 
  • 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 3.28 percent with an average 0.3 point, down from last week when it averaged 3.39 percent. A year ago at this time, the 5-year ARM averaged 3.90 percent.

Average commitment rates should be reported along with average fees and points to reflect the total upfront cost of obtaining the mortgage. Visit the following link for the Definitions. Borrowers may still pay closing costs which are not included in the survey.

Freddie Mac makes home possible for millions of families and individuals by providing mortgage capital to lenders. Since our creation by Congress in 1970, we’ve made housing more accessible and affordable for homebuyers and renters in communities nationwide. We are building a better housing finance system for homebuyers, renters, lenders, investors and taxpayers.

Median rents rise 4.1% last year | Bedford Real Estate

As 2019 saw historically low vacancy rates among multifamily housing, it also led to a rising cost of rent, too.

According to realtor.com, a report from Abodo said rental prices went up in 38 states, including Washington, D.C., in 2019. In the other 12 states, the cost of rent actually fell, but only slightly.

Nationally, median rents for one-bedroom units went up 4.1%, making monthly rent $1,078 at the end of 2019.

Prices for two-bedroom units went up 5.5%, making monthly rent $1,343.

In 2019, multifamily occupancy rates reached as high as 96.3%. The demand of multifamily housing keeps rising, as home prices are also continuing to climb.

According to realtor.com, rental prices surged the most in Utah. There, rent went up 3.78% in 2019, reaching $965 for a one-bedroom unit.

“In states like Utah, people are relocating for jobs,” Abodo said in its report. “Many folks are coming from California and other high-priced hubs. People need to find places where they can live and afford to live a lifestyle that they want.”

Renting cost the most in Massachusetts, where the average one-bedroom unit cost $2,218 a month.

Renting surged the most in Detroit, where cost of renting a one-bedroom went up 7.48%, making rent $886 a month.

“They’re seeing a housing boom,” Abodo continued. “There are more people moving there, which increases the demand for housing as the city begins to come back. New construction has actually started there, which is obviously going to cost more.”

The highest rents in the nation were, at no surprise, San Francisco and New York City. On average, renting a one-bedroom unit was $3,877 and $3,082 a month, respectively.

Renters in Montana saw the biggest price cuts in 2019. Rents fell 1.6%, to an average $745 a month for a one-bedroom unit.

Average prices fell the most in Dayton, Ohio, in 2019, falling 4.11%. This made renting a one-bedroom unit $758 a month. Toldeo, Ohio also had the best deal, where rents were just $517 a month for a one-bedroom unit.

read more…

How mobile homes became a billion-dollar, recession-proof industry | Bedford Real Estate

Mobile homes are no longer just a necessity for the poor. They’ve increasingly become a must-have for some of the world’s richest private equity players.

A 2016 investor pitch from manufactured housing owner and operator RHP Properties boasted that its portfolio of 33,000 lots — stretching across seven states — had “low cash flow volatility and steady year-over-year rent increases” as well as minimal capital expenditures.

The pitch apparently worked on Brookfield Asset Management, which has poured billions of dollars into trailer park sites in the past few years.

The Canadian private equity giant bought a portfolio of manufactured home sites in 13 states from Colony NorthStar for $2 billion that May. The deal included the acquisition of a joint venture backing RHP’s sites, a Brookfield spokesperson confirmed to The Real Deal.

Brookfield, which has more than $350 billion in assets, now owns 130-plus mobile home communities, making it one of the one of the largest manufactured housing investors in the U.S. RHP declined to comment for this story.

The immobility of so many mobile and manufactured homes has caught the attention of private equity firms in a big way. With most low-income renters unable to quickly up and move their properties, institutional real estate investors increasingly see that as a surefire bet — especially in a major downturn.

Douglas Danny, a Marcus & Millichap broker who specializes in manufactured housing sites, called them one of the safest assets in a recession. “From 2008 to 2012, there was no effect whatsoever on manufactured housing,” he said. “Now the new buyer coming into the space is the institutional buyer.”

And a who’s who of global investment giants have poured more than $4 billion into the market in the past four years: Brookfield, Blackstone Group, Apollo Global Management and the Carlyle Group have all snapped up, or flipped, trailer parks in that time.

Janet Sallander, a commercial real estate appraiser at Cushman & Wakefield, said mobile homes have become the “default working-class housing.”

“It simply produces better returns compared to other asset classes,” Sallander said.

Mobile home economics

Due to zoning restrictions and the high cost of land in many areas, there are just 6,250 mobile home parks in the U.S., according to a 2019 Cushman & Wakefield report.

Individual plots are rented out to tenants who purchase their own homes. And unlike aging apartment buildings in more heavily regulated housing markets, owners of these lots only need to provide utilities, while residents are responsible for the maintenance and upkeep of their homes.

Blackstone made its first bet on manufactured housing last year when it bought a $172 million portfolio of 5,200 lots from Ontario-based Tricon Capital Group. Other major players — including the Carlyle Group and Sam Zell’s Equity LifeStyle Properties — are snapping up manufactured home communities, with one analyst calling it “the most recession-proof housing stock in existence,” as TRD previously reported.

“A lot of investors are buying big complexes, if they can find them,” said PJ Mikolajewski, president of Ideal Manufactured Homes and a California Manufactured Housing Institute board member. “And as soon as they buy them, they jack the rents up.”

For Alberto Calvillo, a lifelong construction worker who recently moved his family to a site owned by RHP in Bohemia, New York, it was the most affordable option after he was priced out of another mobile home park in nearby Commack.

Calvillo said he now pays $1,000 a month to rent the land where his 900-square-foot house sits. His extended family gathered at the single-wide home, decked out with custom-fitted green and orange panels, on a Sunday afternoon in September.

“This isn’t a mobile home,” Calvillo said with a laugh as he pointed out the obvious lack of wheels, the custom wraparound deck he built and the new concrete foundation. “I’m going to stay here until I die.”

The average cost of moving such a home is $5,000 if the home has wheels to begin with, according to a 2019 report from the national community group MHAction. So when owners of manufactured homes are priced out, they often need to sell their homes at a loss and are replaced by new homeowner-tenants without any big losses for the site’s owner. The result is a low turnover rate and extremely stable revenues.

“If you have the right underwriting, you can increase rent 5 percent each year,” said Marcus & Millichap’s Danny. “Within three to five years, you’ve gone from a 3 or 4 to a 6 [percent] and the park has gone up in value.”

Documents from Florida-based Sunrise Capital Investment — which cite “superior risk-adjusted returns for investors” — give an inside look at the upsides for those in the business.

Manufactured housing is a “recession-resistant” asset class with low turnover that allows for “consistent rent increases,” the pitch to investors reviewed by TRD notes.

“Demand for our product actually increases as the economy tightens.”

Bullish bets

Carlyle, one of the country’s largest private equity firms, made a splash in 2015 when it bought a manufactured home community in Silicon Valley for $152 million.

Tenants in the area soon complained of exorbitant rent hikes and a deterioration in management responsiveness — sparking new calls for statewide rent control in California. The D.C.-based investment group recently flipped the complex, selling it to Chicago-based Hometown America for $237.4 million this August, according to California property records.

Carlyle did not respond to requests for comment.

The rush of private equity into manufactured homes has also attracted the ire of U.S. senator and presidential candidate Elizabeth Warren, who in May wrote stern letters to Brookfield’s Bruce Flatt, Blackstone’s Stephen Schwarzman, Apollo’s Leon Black and Carlyle’s co-CEOs.

“Unable to afford moving, and unable to sell their manufactured homes, some residents report that they are forced to choose between ‘paying for increase[ed] housing costs … or abandoning their homes,’” her letter reads.

One publication called it a Dodd-Frank moment for manufactured home communities, but Blackstone was unfazed. Wayne Berman, the firm’s head of global government affairs, said in his response to Warren that Blackstone hoped to “raise the bar for customer service within an industry that has not always historically provided a high-quality resident experience.”

“Although we’re a tiny part of the overall market, [we’re] dedicated to professional management, capital investment and resident service,” Matthew Anderson, a Blackstone spokesperson, said in a statement to TRD.

Brookfield is “highly attuned” to the fact that the asset class can include lower-income populations, according to the company, which outlined steps the firm has taken to ensure affordability.

In other cases, though, bullish investment strategies have quickly backfired. At one manufactured housing complex in Akron, New York, which Sunrise Capital purchased for under $4 million in 2017, the firm raised rents to $525 from $280 and cut the 122-lot site’s employee payroll by $30,000, sparking an outcry from tenants.

After the residents organized an eight-month rent strike against their new landlord, the complex was placed into a receivership and the investment firm ceded control to the tenants. Representatives for Sunrise Capital declined to comment.

But those bad bets have yet to deter aggressive investors on the whole, industry sources say.

“It could cost [up to] $10,000 to move a home, depending on how big it is,” Rob Ybarra, a debt and equity broker at CBRE based in Las Vegas, noted. “But if you raise rents 25 or 50 bucks — are you going to pick up and go somewhere else? Probably not.

“That’s one of the really big reasons that people like this property type,” Ybarra added. “It’s a captured audience.”

read more…

https://therealdeal.com/miami/issues_articles/a-captured-audience/

Leftist Utopia California shuts lights again | Armonk Real Estate

Pacific Gas and Electric Co. said it may cut off power to roughly 303,000 customers across 25 counties in California this week to reduce the risk of the utility’s equipment sparking a wildfire.

PG&E said a strong offshore wind early Wednesday morning and dry conditions may lead to power shutoffs for customers in the Sierra Foothills, the North Valley, North Bay and other parts of the Bay Area. Customers that could be impacted in those regions were notified Monday morning.

By Monday night, the potential Public Safety Power Shutoffs were expanded to include Santa Cruz, Santa Clara and San Mateo. Customers that could be impacted in those regions were notified Monday afternoon.

Shutoffs would begin Wednesday morning if they’re enacted. PG&E said its goal would be to return power to customers by Monday.

Can’t see the map? CLICK HERE

“If PG&E calls the PSPS, the shutoffs will take place in phases beginning Wednesday morning through early afternoon, based on local weather conditions,” the utility said in a news release Monday night.

The shutoffs are part of PG&E’s Public Safety Power Shutoff program, which is designed to reduce the threat of wildfires that could be sparked by lines brought down in gusting winds. PG&E’s equipment has been blamed for causing a series of destructive wildfires in recent years.

PG&E’s power shutoffs have drawn ire from residents, businesses and local governments. Gov. Gavin Newsom has threatened a possible state takeover of the troubled utility.

read more…

https://www.kcra.com/article/pge-shutoffs-november-18-update-california/29833826

Bedford Town news update | Bedford Real Estate

October 19, 2019Contact Us
The Town Board on October 15 held its first work session on the the Town’s 10 year Capital Plan which runs from 2020 through 2029; we also met with Planning Board Chair Deirdre Courtney-Batson to discuss the size, composition and number of subcommittees to develop a new Town Comprehensive Plan; 321 Bedford Road and 74 Main Street (Bedford Hills Community House); making headway in discussions with the NYC Department of Environmental Protection for Phase II for sewers; making headway for the possible acquisition of 56 acres which includes the Buxton Gorge for passive recreational use (trails).   
NEW POSTS
Highlights of the October 15Town Board Meeting
Work Session on 2020 Capital Plan
At this first work session on the Capital Plan, Comptroller Abraham Zambrano provided a high level view of any proposed changes in the existing Capital Plan (including any project expansion), any new projects and any projects which may be deferred.  We anticipate increasing the scope of renovations to the Bedford Hills Community House and carry out the work in 2020 rather than spreading it out over several years (neither a “gut” renovation nor additions are being considered).  
The architectural firm selected (see below) will incorporate recommendations and plans which are provided through the energy audit now under way, including the feasibility and cost effectiveness of geothermal/heat pumps. Approval of Geothermal Feasibility Study
Other project changes include carrying out in 2020 and 2021 HVAC system replacements reaching the end of their useful lives (here, too, geothermal/heat pumps are under consideration); commuter lot improvements such (lighting, landscaping, etc.); roof and gas boiler replacement for the Recreation & Parks Department maintenance building; security systems for the Town House and 425 Cherry Street; IT upgrade/replacements; improvements to the commuter lots (lighting/landscaping); rooftop solar installations; hamlet center improvements (Bedford Hills and Katonah in 2020 following the completion of the sewer system); Todd’s Pond engineering study; further funding for tree maintenance and plantings; and an increase in funding for the work of the Cemetery Advisory Committee with work on our historic Town cemeteries . Some changes would be deferral until 2022 of a municipal parking lot in Bedford Village (Bedford Presbyterian Church, owner of the land which the Town would purchase for the vacant lot is not inclined to proceed at the time with sale of the property).  We also are deferring improvements to the Crusher Road highway facility. 
The Board scheduled another work session on November 7 at which we’ll hone in further on the schedule, debt service which would result from the bond issuance. 
In this connection later in the meeting, the Board appointed Douglas Goodfriend of Orrick, as bond counsel, who would prepare bond resolutions first quarter of 2020 to implement the first two years of the Capital Plan.  Please see Comptroller Abraham Zambrano’s Summary Memo
Honoring Assistant Chief James Fayette Lawrenceof the Katonah Fire Department
Deputy Chief Dean W. Pappas was on hand to participate in paying tribute to Katonah Fire Department Assistant Chief James Fayette Lawrence. Sixty years ago, on October 6, 1959, he gave his life in the performance of his firematic duties: and today, remains the only Katonah Firefighter to have died in the line of duty.           Chief Lawrence was responding to a bush fire at the Ramsey Hunt Estate on Mount Holly Road and, while fighting the fire with other Katonah Volunteer Firefighters, became entangled in a fallen 4,600 volt high tension line. His fellow firefighters pulled him off the line with pike poles and attempted to revive him.Despite over 45 minutes of heroic effort, Chief Lawrence died at the age ofthirty nine. Chief Lawrence’s sacrifice was yet another indication of his community commitment and dedication as a lifelong resident of the Hamlet of Katonah. The Town Board presented to Deputy Chief Pappas a proclamation honoring the memory of Chief Lawrence, a man who was driven purely by his love and devotion to everyone around him and whose kindness and bravery in the face of danger always made an impact on this community and will continue to inspire others.
Work Session on Preparing a New TownComprehensive Plan The Town Board’s meeting with Planning Board Chair Deirdre Courtney-Batson started with a work session to discuss the role of each subcommittee and skill sets and experience sought for individuals to be appointed.   
We moved to an Executive Session to discuss those interested in being appointed.  I anticipate we’ll make appointments at the November 7 Town Board meeting.  
For further information on the subcommittees please see my previous discussion.
Update and Report of Cemetery Advisory Committee
Cemetery Committee chair Jenny Weisburger presented a report to the Town Board on the work of the Committee and Friends of the Bedford Burying Grounds.
Over several years the Committee and the Friends of the Burying Grounds have made significant strides in repairing gravestones and reconstructing walls. She explained another one of the Cemetery Committee project that is to explore the potential to provide new interment plots that are associated with the increasing trend of cremation.
The Cemetery Committee discussed with consultants that the focus of expansion be on cremation burials as opposed to full, traditional burials. The proposed expansion of the cemetery would be low impact on Bedford’s historic cemeteries while benefiting Bedford residents who intend that their ashes be buried here.
Congratulations on Appointments to theComplete Count Committee
The 2020 United States Census is of critical importance to the Town of Bedford; its data affects funds available for our schools, housing, seniors, low and moderate income populations, sales tax revenue, grant awards; business decisions; redistricting; emergency planning; fire departments; hospitals and much more.
 The Town Board of the Town of Bedford recognizes the critical importance of ensuring that the 2020 United States Census counts every single individual in the Town of Bedford.
We congratulate the following appointees to the Census Committee: Jodi Kimmel (Chair)(Fox Lane Middle School)Joe Ruppenstein (Veterans Committee)Joanne Marcus (Senior Committee)Noya Guerrero (Community Center of Northern Westchester)Rev. Merle McJunkin (Antioch Baptist Church; Non-Resident associate member).
Proposal of FBS for Parking ViolationsManagement Services.
The Town Board approved FBS Justice Solutions proposal to the Town Board for parking violations management services. FBS will provide the necessary handheld equipment and related software that will integrate parking enforcement and the Court’s need to manage such enforcement.
Based on the Town’s current needs, it was recommended that the Town Board approved engaging FBS to provide services that will facilitate the management of the parking enforcement. The Board authorized proceeding with FBS’ option plan under which the Town purchases equipment. 
Proposal 2
Town Board Decision Not to Proceed with proposal of Homeland Towers for a cell tower at the Town property at 425 Cherry Street.  
At its meeting on October 7, after careful consideration of a number of issues, the Planning Board determined that it must recommend against the use of the Town property at 425 Cherry Street as the location to the Town Board a proposed Homeland Towers cell tower.
In particular, the Planning Board found that, based on the visual analysis provided by the applicant, a 150’ tower at either of the two proposed locations at 425 Cherry, would have an unacceptable visual impact on the heart of the hamlet of Bedford Hills.
The Board approved the Planning Board’s recommendation not to proceed with the Homeland Tower’s proposal.
Proposed Architect for Facility Assessment ofBedford Hills Community Center
Deputy Supervisor Lee Roberts, Councilwoman MaryAnn Carr and I have been working with Recreation and Parks Superintendent Chris Soi, BuildingInspector Al Ciraco and Director of Energy and Sustainability Mark Thielking regarding improvements to the Bedford Hills Community House.
Chris Soi requested the Town Board select an architectural firm to perform an assessment and study to establish a scope of work and project budget for the proposed capital improvements to the Bedford Hills Community House. Based on the pricing provided in the proposal of architects KG&D, the Board approved $14,500.00 to perform the study which would be funded from the existing Bedford Hills Community House Capital Project account. There will be a “gut” renovation, however, the scope of work will include among other components: interior development, renovations to multiple facilities and exterior restoration.
The Board approved the implementation and completion of the study, and not at this time additional architectural services.
This study is a critical step as the Town Board is considering Bedford Hills Community House capital improvements in formulating the 2020-2029 Capital Plan. The study will be completed in early/mid November. Letter of Intent
KGD Proposal
EARLY VOTING STARTS OCTOBER 26
For the first time in history, New Yorkers have a choice:
Vote Early October 26 through November 3at Mount Kisco Town HallORVote on Election Day, November 5at your regular polling place.It’s simple:Town of Bedford voters may vote earlyOctober 26 through November 3 atMount Kisco Town Hall, 104 Main Street

Bedford Public Works Dept.
PAVING NOTICE UPDATE
Public Notice to all residents regarding Road Paving in Bedford NY for October 2019.
The Town of Bedford plans on several days of road paving. Work will begin Monday, Oct. 7, 2019 and last through Friday, Oct. 18 (inclusive.) 
We will NOT be paving Saturday, Oct. 12, Sunday, Oct. 13, or Monday, Oct. 14 (Columbus Day). 
Roads to be paved at this time include:CHURCH STREETSUNSET DRIVE (Bedford Hills off of Main St.)SEMINARY ROADDAVID’S WAYDAVIDS HILL ROAD (The paved hill)                                    Commuters could experience temporary disruptions to traffic and access as paving operations commence. Residents are asked to refrain from parking on these streets as paving proceeds. The precise scheduling of work depends upon weather conditions and the proper operation of paving equipment. Therefore your patience and understanding are appreciated.
Keep in mind that it is possible that rain events or paving equipment issues may push back the paving schedule a day or two.
Paving will be preceded.by road milling on Cherry Street and Sunset Drive as well as the milling of some key cuts to the intersections and to some driveways where key cuts are considered beneficial.
If you have any further questions regarding this matter, please feel free to contact Bedford Public Works Department at 914-666-7669.
2019 Fall Leaf Pick-Up ScheduleBegins Week of 11.4
(click for schedule)

COMMUNITY EVENTS CALENDAR WEEK OF 10.18-10.26Click here  
OTHER NEW POSTS

HELP WANTED – Part-time Interns!
The Supervisor’s office is seeking a few high school studentsto intern a few hours a week through the fall.
Community service hours will be honored while learning about local government. Take photos, get web skills, learn about your town!
This is a fun position that will give you a broad range of experiences.Please send an email to pcohen@bedfordny.gov
Attention Residents ofBedford Central School District
I first wish to thank members of the community for contacting me and meeting with me to discuss their concerns about possible school closures.  We are extremely concerned about the impacts, and will be actively engaged in the discussions. 
Part of what I intend to do is to help get the word out of forums and meetings which BCSD is holding regarding its facilities plan.  
Please try to attend and participate.  It is critical to the education of our children and our community generally.
From the BCSD flyer on community forums for long-range facilities plan:
“Bedford Central School District invites all members of the community to attend one of our open community forums about the district’s developing Long-Range Facilities Plan.”
These forums encourage Bedford citizens to share their thoughts, hopes, and ideas for the future.”

From the BCSD flyer on Budget Advisory Workshop Meetings:
“BUDGET ADVISORY WORKSHOP MEETINGSFOR ALL MEMBERS OF THE COMMUNITY”
“The Board of Education invites members of the community to participate in Budget Advisory Workshop Meetings.
Each meeting will focus on a specific topic, indicated below, with relevant information shared and an opportunity for attendees to engage.”For dates/times/location, click here
HOURSSat/Sun:              12 PM through 5 PMMon/Wed/Fri:      8 AM through 4 PMTue/Thu:              12 PM through 8 PM
 You also may call Town Clerk Boo Fumagalli at 914-864-3868 or e-mail her at lfumagalli@bedfordny.gov 
The 2020 Census – JOBS!
DID YOU KNOW?  There are jobs available right now for the 2020 Census.  2020 census.gov/jobs or call 1-855-JOB-2020   
The U.S. Census Bureau is recruiting thousands of people across the country – especially field jobs ascertaining addresses and census takers. 
Hours are flexible and the pay rate is quite competitive at $21.00 per hour for a census taker in Westchester County
And as a resident getting paid for your work, if you are assigned to Bedford, you will be helping your town get a complete count.
REMINDER
It’s Leaf Blowing Season –Change Over in Rules Affecting Hamlet Zones
Hamlet Zones
PRIOR POSTS OFCONTINUED RELEVANCE
Cyber Security – Don’t fall victim
Update on Phase II Sewer Project
Guard Hill Radio Tower Upgrade
Subcommittee to develop New Comprehensive Plan
Final Budget Work Session
Approval of Geothermal Feasibility Study
An introduction to the – iNaturalist app
Buxton Gorge
LED Street Light Project Completed
Update on i684 Paving Project Project
Reminder! The Complete Count Committee needs you.
Tree Maintenance and Planting Program
i684/84 Corridor Study and next steps
THIS WEEK:
Saturday October 19The Annual 5th GradePancake Breakfast
7:30am-11:30am

Bedford HillsElementary School123 Babbitt Road Bedford Hills
All are welcome. Proceeds to fund the5th Grade Class Trip.
ART STROLL – OCTOBER 19 FROM 5PM -8 PM

OCTOBER 20
FREE RABIES VACCINES FOR WESTCHESTER PETS
Westchester County residents can bring their dogs, cats and ferrets in for free rabies vaccinations on Sunday, October 20 from 11:30 a.m. to 3:30 p.m. at the Humane Society of Westchester, 70 Portman Road in New Rochelle. Walk-ins are welcome; no appointments are needed. Call 914-632-2925 for more information.
Cats and ferrets must be in carriers and dogs must be on a leash. Aggressive dogs must be muzzled. No examinations will be given and all pets must be supervised by an adult.
“Vaccinating your pet against rabies will protect your pet and your family in case your pet has contact with a rabid or potentially rabid animal,” said Westchester County Health Commissioner, Sherlita Amler, MD. 
Under New York State law, dogs and cats must receive their first rabies vaccine no later than four months after birth. A second rabies shot must be given within one year of the first vaccine, with additional booster shots given every one or three years after that, depending on the vaccine used. Owners who fail to get their pets vaccinated and keep the vaccinations up-to-date may be fined up to $2,000.
Rabies is a fatal disease that spreads through the bite or saliva of infected animals. Those animals most commonly infected are raccoons, skunks, bats and foxes. However, domestic animals such as cats and dogs are also at risk because they can easily contract rabies from wild or stray animals.
BOOSTER INFO: A pet that is up-to-date with its rabies vaccinations would only need a booster dose of vaccine within five days of the pet’s exposure to a known or suspect rabid animal. Animals not up-to-date with rabies vaccinations would be quarantined or euthanized following contact with a rabid or suspect-rabid animal. SIGNS OF RABIES: A change in an animal’s behavior is often the first sign of rabies. A rabid animal may become either abnormally aggressive or unusually tame. It may lose fear of people and become docile, or become excited and irritable. Infected animals sometimes stagger, spit and froth at the mouth. Adults should encourage children to avoid touching unfamiliar animals, and to immediately tell an adult if they have been bitten or scratched by an animal.
All animal bites or contacts with animals suspected of having rabies must be reported to the Westchester County Health Department at (914) 813-5000. After hours, callers should follow instructions in the recorded message for reporting public health emergencies 24 hours a day. 
To learn more about rabies and its prevention, visit the Health Department’s website at www.westchestergov.com/health, like us on Facebook at facebook.com/wchealthdept or follow us on Twitter @wchealthdept.
SAVE THE DATES!
The Bedford Hills Neighborhood Associationinvites you to The 1st Annual
OCTOBER 26*4-8pmClick for more information”
Bedford Hills Train Station @ Depot Plaza
*Raindate 10.27

COMMUNITY NEWS
Bedford Village: Update on Proposal for a New Firehouse/ Emergency Services Department 
Bedford Village Fire Commissioner Heather Feldman has provided me the following update…
As was shared last week, we will use this space to address FAQs as they arise. Please email any questions to: NFC@bedfordfire.com and note we may edit the question for space and clarity.
Q.      Some communities (Katonah, Pound Ridge, Bedford Hills) split their emergency services into two departments – Fire and Emergency Medical. Why do we not have the same two-pronged structure in Bedford?A.       Since our founding in 1923, the Bedford Fire Department has provided both fire and emergency medical response from a single site, and a dedicated ambulance to cover medical calls since the 1950’s.
We have always believed that the community is best served from a single location so to fully leverage financial and operational efficiencies. If we were to split out our EMS agency, the Bedford Village community would then have to manage and maintain two separate properties and two buildings, engage two separate corps, identify two separate administrative bodies, and fund two separate department budgets.
Moreover, having both fire and EMS volunteers integrated into a single department allows for greater professional familiarity among the corps, resulting in a more coordinated crisis response. Simply put, the BVFD model minimizes costs and maximizes service.
Q.      I’ve heard that an exercise room for the first responders is being considered for the new building. Can you explain the rationale behind that decision? It seems very indulgent!A.       New York State requires Fire Districts to provide their first responders access to physical fitness facilities. These guidelines allow our volunteer firefighters and EMTs to attain the strength, agility, and stamina needed to handle the myriad crises that they confront each day.
The vast majority of modern firehouses have in-house fitness equipment. Having this resource on site helps keep our volunteers at the firehouse, reducing emergency response times.
Additionally, there is an economic advantage to providing this important professional development resource — currently, the BVFD spends approximately $15,000 of taxpayer funds per year to cover the costs of gym memberships of our volunteer corps. Putting an exercise room in a 75-year facility will save money over the long term.

*Each week, we will look forward to addressing a question about the revised project that has emerged.Please email your questions to: NFC@bedfordfire.com and please note we may edit the question for space and clarity.

Recreation & ParksFALL BROCHUREClick here
Recreation and Parks has aFacebook Page


Sharing the Road for Motorist & Cyclists
There is nothing better than getting out to enjoy a ride on a clear, crisp autumn morning. But there needs to be a partnership of shared responsibility of both the cyclist and motorist to keep everyone safe. 
Responsibility of the cyclist:
Wear a helmet. Be visible. Reflectors, lights, and reflective clothing help motorists see you. Follow traffic laws. Cyclists must follow the same traffic laws as motorists. Be predictable. Give motorists a sense of your direction and provide signals to show motorists your intentions to turn. Share the road. Try to stay as far to the right side of the roadway as safety allows. Do not impede traffic. Cyclists may ride a maximum of two abreast as long as normal traffic flow is not impeded.Be alert and try to anticipate potential conflicts before they occur.
Responsibility of the motorist:
Be Patient. Only pass a cyclist when there is adequate site distance to do so without impacting oncoming traffic.Share the road. When passing a cyclist, be sure to provide a minimum of three feet of buffer between you and the rider.Right hand turn awareness. Avoid cutting off a cyclist by making a right hand turn in front of them.Lookout for cyclists. When entering a roadway, don’t just check for cars, keep an eye out for cyclists too.
Working together will keep everyone safe and we can all enjoy the beautiful roads of Bedford.

OPPORTUNITIES FOR VETERANS CLICK HERE
Autism Registry formsAn Autism registry has been implemented on the Bedford Police Department website. The Bedford Central School District has been given access to the forms to distribute to students and parents. You can also download the forms here.
UPDATE for AT&T Cell Service CustomersOther Internet Service Issues?My thanks for the post on the Katonah Parents Facebook group alerting me to the AT&T cell service outage (the mention of my name on KPFG triggered an e-mail notification to me – it worked!).  And thanks as well to those who e-mailed us with the specifics.   
We were in touch with AT&T Wireless on Wednesday and Thursday who contacted their field team.  Yesterday, I was put in contact with an AT&T representative higher up in the food chain. I don’t know whether she was responsible for the service restoration or whether it was in the works anyway.
In any case I now have a person I can go to other than those lower down who we went to earlier this week when you folks alerted us to the problems. So please do let us know if you have any continuing or future service problems and we’ll do our best to get it taken care of. Thanks for your patience.      And going forward, for anyone having service issues, here are some numbers: Customer Service for Verizon /Fios: 1 800 922 0204
Customer Service for Optimum/ Altice: 718 860 3513
Customer Service for AT&T (cell phone service): 800 288 2020
We’ll try to help after you’ve exhausted your options with customer service support. Please feel free to contact Phyllis Cohen at pcohen@bedfordny.gov or me and provide the following: NameAddressAccount numberPhone number(s)E-mail addressDescription of the issue (dates of intermittent or lack of service, etc.)
PRIOR POSTS OFCONTINUED RELEVANCE (cont).
The I-684$13 Million Paving Project
Front row (l to r:) Lee Roberts, Kate Galligan, Kitley Covill, Chris Burdick, Shelley Mayer, Andrea Stewart Cousins, Marie Therese Dominquez, Peter Harkham, MaryAnn Carr. Back row: Don Scott, David Buchwald, Lance MacMillan.\

On Thursday, September 12, I joined State Senator Shelley Mayer, State Senate Majority Leader Andrea Stewart-Cousins, State Senator Peter Harckham and Assemblyman David Buchwald in a press conference celebrating the I-684 paving project at long last coming to fruition. We were honored to be joined by New York State Department of Transportation Commissioner Marie Therese Dominguez.  READ MORE
Agreement with NYS Department of Environmental Conservation for $1 Million Grant for Sewer ProjectREAD MORE
Adoption of New Local LawRegulating Sale of Vape Products
The Town Board held a public hearing to implement a settlement of litigation against the Town which resulted in an injunction against the Town barring enforcement of our existing vape law. READ MORE
Reminder – No Knock Registry Law
We are receiving reports of unscrupulous, deceptive and fraudulent tactics of door to door salesman.  Please be reminded that the Town Board amended its solicitation law to provide a No Knock Registry. It prohibits such solicitation to the homes of residents who complete a request to be listed on a “no knock registry”. The law does not infringe upon political, educational or religious activities.  READ MORE
Town of Bedford AchievesClimate Smart Community CertificationI am pleased to report that on Thursday, September 26, Governor Cuomo announced that the Town of Bedford together with 15 other local governments were awarded certification as a Climate Smart CommunityREAD MORE
New Collective Bargaining Agreementwith our Office Workers
The negotiating teams of the Town of Bedford and the Teamsters 456 – White Collar Unit, which represents the Town’s office workers, met several times starting on January 25, 2019 to negotiate a new Collective Bargaining Agreement (CBA) for the period January 1, 2019 through December 31, 2022.  READ MORE
SENIOR NEWS
Become of member of your Bedford Playhouse.
Discounted membership for ages 62+
Sign up here
Living Green
Leaf Discount ProgramExtended untilJanuary 2, 2020READ MORE
ClearGov – Transparency in GovernmentClick headline to read presentationFor more information go to ClearGovBedford
LEARN MORE HEREIncentives for Electric Vehicle Purchases

PollinatorPathways
You may have heard talk of“pollinator pathways”.So what are they andwhy are they beneficial?
READ MORE


PilotFood WastePick-UpProgram
Heat Smart Offers Attractive Opportunities
Thanks to a grant from New York State Energy Research & Development, homeowners in the towns of Bedford, Lewisboro and Pound Ridge now have a unique opportunity to determine whether heat pumps might provide a more comfortable home while saving on energy bills.  Heat pumps draw from either the ambient air (air source pumps) or the earth (geothermal pumps). Geothermal provides a constant temperature of about 54 degrees allowing for heating in the winter and cooling in the summer.  The program is spearheaded by Energize NY, in partnership with Sustainable Westchester, Abundant Efficiency and NYSERDA, provides homeowners in the three towns the opportunity to learn whether these new renewable energy choices are right for you.  Energize has launched an ambitious community outreach program to introduce homeowners both to the technology and reputable, certified heating and cooling and energy efficiency experts who offer the latest clean energy technologies including air source and geothermal heat pumps and energy efficiency improvements. The contractors are Bruni & Campisi (914-269-6760), Healthy Home Energy & Consulting, Inc. (9144-242-9733) and Dandelion Energy (833-436-4255) On Thursday, June 26, the Heat Smart team was on hand for the community to explain the program (together with service Tacos). Like to know more?  Please click on this link https://www.heatsmartny.com/westchester or call 914-302-7300 x1   There is no cost or obligation to learn whether Heat Smart is right for you. Our thanks to Lauren Brois, Bedford 2020, the contractors and the Heat Smart campaign team for an excellent presentation.
Recycling News
Bedford 2020:Waste and Recycling Current Projects
Beaver Dam Yard Waste and Compost Facility
The Town of Bedford Beaver Dam Compost Facility processes recyclable wood waste and leaves from the Town and provides beneficial reuse of the waste as compost and mulch. The facility provides an extremely cost effective method for this recycling as well as an environmental benefit of local recycling with minimal transportation requirements. It is open for residents to dispose of recyclable wood waste (logs and branches up to 6” diameter, brush, and leaves), as well as pick up wood mulch and leaf compost. This service is free to Town of Bedford residents between 7:30 AM and 3:00 PM Monday to Friday, excluding Town holidays.
With Spring clean-up and planting season here, you may find these services helpful. I encourage you to review the updated information by clicking on Beaver Dam Compost Facility on the Town’s website.
THE 2018 ANNUAL REPORT click here

FOR THE TOWN CALENDAR click here

TO SIGN-UP FOR NIXLE ALERTS click here

America’s redlined neighborhoods | Bedford Real Estate

“The master’s tools will never dismantle the master’s house,” penned poet and activist Audre Lorde. Pulled from a 1984 essay, the quote summarizes her larger argument that mainstream academic frameworks are incapable of permitting the disruption of their own status quo. “They may allow us temporarily to beat him at his own game, but they will never enable us to bring about genuine change,” wrote Lorde.

Andre Perry

Andre M. Perry

Fellow – Metropolitan Policy Program

@andreperryedu

David Harshbarger,

David Harshbarger

Research Analyst – Metropolitan Policy Program at Brookings

DBHarshbarger

Over the last few months, several Democratic presidential hopefuls—namely Sen. Kamala Harris (Calif.), Sen. Elizabeth Warren (Mass.), and South Bend, Ind. Mayor Pete Buttigieg—have released housing proposals that utilize a curious vector to implement their respective remedies for historical discrimination: redlining maps.

Redlining was the practice of outlining areas with sizable Black populations in red ink on maps as a warning to mortgage lenders, effectively isolating Black people in areas that would suffer lower levels of investment than their white counterparts. The Democratic candidates hope that the contours of these old maps—once used by the government-sponsored Home Owners’ Loan Corporation (HOLC) from 1933 to 1977—offer the blueprint for closing the racial homeownership gap and increasing prosperity among largely Black and Brown Americans who were robbed of wealth for generations under redlining’s legal discriminatory policy.

Redlining was the practice of outlining areas with sizable Black populations in red ink on maps as a warning to mortgage lenders, effectively isolating Black people in areas that would suffer lower levels of investment than their white counterparts.

In each plan, redlining maps are used to determine eligibility for beneficiaries, to differing degrees:

  • Harris’s plan would invest $100 billion in assistance for down payments and closing costs, to be made available to those who have lived in government or rental housing for 10 or more preceding years in a formerly redlined area that is low-to-moderate income today. Grantees must also earn less than a maximum annual family income.
  • Warren’s plan would offer down payment assistance to first-time homebuyers in formerly redlined areas or low-income areas that experienced other forms of legal segregation, qualifying them for a grant applicable to a home anywhere in the country. The proposal is billed as a “first step towards closing the racial wealth gap,” and would be paid for by an estate tax.
  • Mayor Buttigieg’s plan proposes the Community Homestead Act, which would purchase abandoned properties in select cities and allow residents to acquire them. Eligible grantees include residents who earned less than the area median income over the last five years and either have resided in the area for at least three years, or have resided in any historically redlined or racially segregated area for at least three years.

However, based on our analysis of who lives in these formerly redlined districts today, Lorde’s quote should be considered when it comes to these proposed remedies.

The University of Richmond’s Mapping Inequality project has digitized scans of the HOLC redlining maps held in the National Archives. Examination of the maps, numbering over 200, reveals that approximately 11 million Americans (10,852,727) live in once-redlined areas, according to the latest population data from the Census Bureau’s American Community Survey (2017). This population is majority-minority but not majority-Black, and, contrary to conventional perceptions, Black residents also do not form a plurality in these areas overall. The Black population share is approximately 28%, ranking third among the racial groups who live in formerly redlined areas, behind white and Latino or Hispanic residents.

Figure 1

While still a tremendously large population, the approximately 3 million Black residents in redlined areas account for just 8% of all non-Latino or Hispanic Black Americans. Given the demographic shifts that have occurred since the federal government started using color-coded maps to assess mortgage risk, and the relatively small share of the Black population currently living in these areas, proposals that center on these past tools to redress discrimination probably won’t “dismantle the master’s house.”

THE PAST STILL HAUNTS US

Together with racially restrictive housing covenants that prohibited Black Americans from buying certain properties, redlining prevented generations of families from gaining equity in homeownership or making improvements to homes already owned. These unjust practices form part of a long history of discrimination, which has contributed to the disparities in homeownership and wealth still observed between the Black and white populations of the country today.

Redlined neighborhoods are generally located near the center of urban areas, where Black people were concentrated when the government generated the maps used today for the Harris, Warren, and Buttigieg proposals. But since then, transformational demographic shifts have spread different populations throughout metropolitan areas and increased the size of those areas overall. To assess the relative residual social patterns across redlined communities today, we compare the aggregate of the census block groups that fall within the redlined areas of each city to the remaining non-redlined areas in the same citiesand measure ways the two areas differ.

These localized comparisons show that in cities with a history of redlining, the redlined areas today generally remain more segregated and more economically disadvantaged, with higher Black and minority shares of population than the remainder of the city. Additionally, they have lower median household income, lower home values, older housing stock, and rents which are lower in absolute terms (but often higher as a percentage of income). Similar studies have confirmed these trends for other social characteristics, as well as a clear correlation showing more positive current-day outcomes for areas that were “greenlined.”

Table1

The selected characteristics in the group of the ten most populous redlined areas diverge less sharply than in the remaining smaller areas, suggesting that for smaller areas, the residual effects of redlining are perhaps felt more clearly.

REDLINED AREAS VARY GREATLY

The population distribution of once-redlined areas skews heavily toward a handful of large cities. About half (49.8%) of today’s redlined population resides in the 10 cities with the most populous redlined areas: New YorkChicagoLos AngelesPhiladelphiaSan FranciscoBostonSan DiegoDetroitMilwaukee, and Baltimore.

Figure 2

This top-heavy slant of the population distribution poses an issue for policymakers who wish to use HOLC maps to address the legacy of past discrimination, as it is not the case that half of the homeownership and wealth gaps can be attributed to disparities among Black and white residents of those ten cities alone. Furthermore, Black-majority suburbs are on the rise, which are heavily underrepresented in HOLC maps due to their focus on urban centers.

WHO NOW LIVES IN ONCE-REDLINED AREAS?

In some places, redlined areas track with conventional perceptions. For example, in Birmingham, Ala., the redlined portion has a much higher concentration of Black residents than the rest of the city, as well as lower incomes and property values. Formerly redlined Birmingham is majority-Black, and a large share of the Black citizens of Birmingham reside in formerly redlined areas.

The racial history of Birmingham is one of sustained aggression against the Black population. The persistence of demographic patterns in formerly redlined Birmingham is a testament to informal and formal enforcement of spatial placement by localstate and private forces. In cities throughout the South with a similar demographic makeup and history of racial violence, policies of targeted assistance in redlined areas could prove useful in closing the local racial homeownership and wealth disparities. However, at the regional and city level across the country, we find wide variations in the demographic makeup of who lives in formerly redlined areas (both in absolute numbers and relative to the cities in which they are found).

Figure 3

Some redlined areas have a lower Black share of population than the rest of the city

Theoretically, if the effects of redlining had faded completely over time, demographics and socio-economic outcomes between redlined areas and the surrounding city would be indistinguishable. Of course, this is not the case, but the degree to which the Black versus non-Black population of a given redlined area matches the area around it varies greatly across cities. Of the 174 principal cities in the comparison, 114 showed a statistically significantly higher concentration of Black population in the redlined areas than the rest of the city. In 26 more, the concentration was higher but not statistically significant.

Six of the 34 cities which inverted this trend (a redlined area with a lower Black share of the population than the rest of the city) are among those 10 large cities which are home to half the redlined population: DetroitBaltimoreMilwaukeeBostonLos Angeles, and Philadelphia. Each of the six have sizeable Black populations, and Black people form the largest racial group in Detroit, Baltimore, and Philadelphia. And despite a demographic shift, the redlined portions of these cities still exhibit negative economic outcomes.

Clearly, these areas have suffered from a legacy of divestment, and deserve attention from policymakers. But a strategy to close the racial wealth gap that focuses mainly on these now-diversified locations risks overlooking Black neighborhoods elsewhere.

Table2

Some redlined areas, especially in the West, have a small Black population relative to white or Latino or Hispanic residents

Los Angeles is home to the third-most populous formerly redlined area, encircling over 620,000 people. Today, 70% of this group is Latino or Hispanic, 12% is white, and 6% is Black.

In 1930, nine years before the HOLC map was produced, census data showed that the whole city’s population was 88% white, 8% Mexican (the closest proxy to the Latino or Hispanic population from the time), and 2% Black. Even so, language from the original HOLC map makes explicit reference to Black neighborhoods. An excerpt from a map encompassing today’s central Los Angeles neighborhood of Jefferson Park derisively writes:

This is the “melting pot” area of Los Angeles, and has long been thoroughly blighted. The Negro concentration is largely in the eastern two thirds of the area. Original construction was evidently of fair quality but lack of proper maintenance is notable. Population is uniformly of poor quality and many improvements are in a state of dilapidation. This area is a fit location for a slum clearance project. The area is accorded a “low red” grade.

While redlined areas in Los Angeles largely did and still do encompass far more Latino or Hispanic residents than Black residents, property appraisals and neighborhood assessments were constantly undertaken from a distinctly anti-Black point of view. However, the demographic reality of redlined Los Angeles today means that policies implemented here to close the Black homeownership gap would miss the target population. Of course, the country experiences a Latino or Hispanic homeownership gap as well, which merits intentional consideration from policymakers. But Latino or Hispanic Americans should not be merely an incidental benefactor of policy directed at addressing historic discrimination against Black people.

Other cities which display this pattern include DenverSalt Lake CityPittsburgh, and San Jose, Calif.

Some redlined areas are too small to be a useful target for policy

Dallas is a city with a long history of intense discrimination. Today, Dallas remains segregated along lines of race and income, but the HOLC map is surprisingly small. In the 80 years since the map was drawn, the city has grown five-fold. Today, the city of Dallas hosts over 1.3 million residents (including roughly 300,000 Black residents) but has a redlined population of just over 28,000. Policies to address redlining specifically would have little effect on racial homeownership and wealth disparities in Dallas.

Other cities which display this pattern: Sacramento, Calif.El Paso, TexasGrand Rapids, Mich., and Phoenix, Ariz.

For many cities, there are no available HOLC maps

Washington, D.C. is noticeably absent from discussions of redlining. The reason is simple, and reveals one of the most intractable problems with using these maps to guide policy implementation: We simply do not have any record of a redlining map drawn for 1930s Washington. While it is difficult to imagine the District—long known as “Chocolate City”—being spared from a nationwide effort targeting Black residents, it is not hard to find examples of place-based discrimination that happened in the nation’s capital in the 20th century and continue today. Discriminatory lending at the local level does not require a federally commissioned map, but it helps.

If the 2020 presidential candidates and other federal policymakers wish to close the homeownership and wealth gaps, efforts cannot be considered complete without including the city of Washington. Without a map to guide them, a new system must be devised for implementing policy there. And if that can be accomplished for Washington, then it can be accomplished nationwide.

Other places which display this pattern: all but some 200 cities nationwide, including nearly every suburb and rural area.

ONCE-REDLINED AREAS ARE NO LONGER A PROXY FOR BLACK AMERICA

Redlining was a federally created—but locally implemented—form of discrimination. As such, redlined areas, and the cities in which they are located, vary widely in size, demographics, and location. Moreover, the racial makeup of the population in redlined areas has grown and evolved dramatically over the last eight decades, and the effects of the practice have spread beyond the confines of the original maps.

The practice of redlining was explicit in its targeting of Black Americans. While Latino or Hispanic residents, low-income white residents, noncitizens, communists, and other populations the federal government deemed “risky” were often included in redlining, they were not targeted in the same manner as Black residents. Today, neighborhoods that fall within once-redlined areas are more likely to have a higher concentration of Black residents, as well as lower incomes, lower home values, and other negative economic characteristics relative to the rest of their cities.

However, proposals that base their remedies primarily on formerly redlined areas paradoxically do not redress the main racial group that was explicitly targeted, exclude important Black neighborhoods and communities, and would skew impact toward a handful of large cities. Place-based discrimination—the practice of divesting in neighborhoods wholesale on the basis of race—has had adverse effects on both people and place. Policymakers should be intentional in ensuring that their proposed solutions can address both.

Consequently, redlining—the master’s tool—will prove to be insufficient in dismantling the legacy of racial inequities in homeownership and wealth in the United States.


METHODS

We define formerly redlined areas as those geographies marked “Hazardous” or “Fourth Grade” and thus outlined in red via the University of Richmond’s Mapping Inequality project. We define cities as census “Places” and choose principal cities as our unit of comparison, rather than metropolitan areas, to better account for the general centrality of redlined areas around urban cores. Principal cities are defined by the U.S. Census Bureau. Population totals and characteristics are tabulated by aggregating all census block groups whose population-weighted centroids fall within any redlined area (including those areas outside of contemporary principal city limits), estimating aggregated medians and margins of error by linear interpolation. Block groups are the smallest geography for which the American Community Survey provides estimates for the latest dissemination period (2017). However, not all socio-economic characteristics which are available in the ACS at the census tract level are available for block groups. Block groups offer a finer approximation of the irregular geographies of redlined areas, at the expense of accessing fewer ACS estimates. As this analysis is based largely on demographic totals, which are available at the block group level, we choose to make the best possible geographic approximation instead of a broader socio-economic snapshot. Because we examine whether the complicated boundaries of these geographies should be followed closely today, we therefore deem it necessary to estimate the most accurate interpretation of those boundaries possible. At time of writing, 2010 population totals for census blocks are available (and would provide a finer resolution of irregular redlining geographies than block groups), but these figures are nine years old and do not include any socio-economic characteristics. After the 2020 census, block level population data will allow for finer demographic analysis of redlined areas using up-to-date figures. All margins of error and significance tests are calculated at a 90% confidence interval.

read more…

Michael Douglas sells Bedford mansion | Bedford NY

Buys home in Irvington

17VIEW GALLERYLocation: Irvington, N.Y.Price: $4.5 millionSize: 11,653 square feet, 8 bedrooms, 10 full and 2 half bathrooms

Though it barely qualifies as what most financial mortals might consider downsizing, Hollywood veterans Michael Douglas and Catherine Zeta-Jones have slightly reduced their considerable residential footprint in New York State’s fancy-pants Bedford. Selling a more than 15,000 sq. ft. Bedford Corners mansion for almost $20.5 million and concurrently snapping up a not quite 12,000 sq. ft. Gatsby-esque manor house about 20 miles away, in Irvington, for exactly $4.5 million.

Douglas and Zeta-Jones bought the more than 13-acre Bedford Corners spread about five years ago for $11.25 million. They sold it in what appears to have been a clandestine, off-market deal to a mysterious corporate entity. It links back to the impossibly posh Sherry Netherland building on Manhattan’s Fifth Avenue. Situated in the coveted Guard Hill area, the palatial estate is anchored by a stately 26-room residence that dates to the late 1800s. At the time of their purchase, it offered eight bedrooms and 18 bathrooms plus an extensive spa facility with not just one but two indoor swimming pools. The property additionally included a two-unit cottage for guests or staff, a car collector’s garage and a full array of equestrian facilities.

The lavish living couple’s only somewhat smaller but far less expensive new digs, dubbed Long Meadow, meanders over 12 bucolic and largely wooded acres that roll down to the Hudson River. Just 25 miles outside Manhattan and built in the early 1930s, the 22-room stone-accented red brick Georgian mansion sits at the head of a long, gated driveway with eight bedrooms and 10 full and two half bathrooms. Listing details disclose the baronial three-story behemoth also has a total of seven fireplaces, an 11-zone heating and cooling system, a four-car garage and annual taxes that top $150,000.

An elegant columned portico leads to gracefully proportioned and intricately detailed living spaces that include a formal and living and dining rooms, both with an antique limestone fireplace and the latter sporting candy apple red lacquered walls that reflect light tossed off from a delicate crystal chandelier. There’s also double-height wood-paneled library flooded with natural light through massive arched windows, a casual lounge with wet bar and a fully updated center island kitchen with commercial-grade appliances and marble countertops. A stone-floored loggia opens to a massive stone-paved terrace that is partly shaded by a black and white striped awning and offers a stunning tree-framed view across the Hudson River, while the mansion’s eight bedrooms include a two-bedroom guest suite and a spacious owners suite that comprises a large bedroom and separate sitting room, a dressing room and a glitzy bathroom with a jetted tub next to a white marble fireplace.

The mansion’s lowest level opens the estate’s rolling grounds and contains an indoor swimming pool, fitness room, recreation/games lounge and, outside, a summer kitchen. Marketing materials indicate the estate offers “enormous untapped potential” to add an outdoor swimming pool and cabana, tennis court and guest cottage. As noted by The Hudson IndependentHoulihan Lawrence Realtors had both sides of the deal.

The Douglas-Zeta-Joneses have long and famously presided over an international portfolio of luxury homes that have made them regular fodder for property gossip columns around the globe. In addition to a sprawling co-operative apartment in a prestigious apartment house overlooking Central Park on New York City’s Central Park West and a large house in Zeta-Jones’ hometown of Swansea, Wales, the couple have long owned a walled compound in Bermuda that came up for sale earlier this year at $19 million but is no longer listed on the open market, although it’s unclear if it’s been sold. The couple’s 10-bedroom compound on the Spanish island of Majorca, which is co-owned by Douglas’s ex-wife Diandra Douglas, was also set out for sale earlier this year and is still available at a whopping $32.5 million.

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Moving to Irvington