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  • Who (or What) Is the Rizzler? A Big Boom FAQ.

    Who (or What) Is the Rizzler? A Big Boom FAQ.

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    If you were anywhere within 10 feet of a Wi-Fi connection this week, you may have come across the still image of what appeared to be an unstacked Italian nesting doll of dimples and unconventional shoe choices on the Tonight Show couch of Jimmy Fallon (who was wearing extremely conventional shoes under his desk, I’m sure). What you may or may not have known is that the bodies attached to those shoes belonged to three mega-viral TikTok stars—who are, in fact and importantly, all Italian.

    Todd Owyoung/NBC

    This image, and the interview that went along with it, ripped through the internet like a Costco pizza cutter. First, there was Fallon’s response to his guests, two of whom were children, which ranged from occasional bemusement to borderline tolerance to complete derision for the antics of the TikTok act he had booked on his show. More importantly, there were the optics: Fallon appeared to be hosting the call sheet for a multi-timeline show about a Batman villain. But the final reveal for the uninitiated, which happened entirely post-airing, was what took this piece of the historical record over the edge of virality: This adult man and the two children next to him … who look like the Animorphs book cover of a very specific Italian male species … were not all related.

    The large- and medium-sized gentlemen with the eyes of a husky and the vocal cords of the Cookie Monster and Donald Duck, respectively, are the Costco Guys, a.k.a. AJ Befumo and Big Justice, who are obsessed with two things: bulk shopping and going viral. The littlest one to their left, however, was a little more of a mystery to new audiences. First, there was his vibe: quiet, considering, frequently unsmiling, but seemingly there for a pleasant time. Then there were his shoes: neon green, in constant motion, jutting out horizontally from his body, without so much as a suggestion that they’d ever touch the floor. Because he is a child, you see—even despite immediately establishing himself as a person (a person with the distinct aura of a wise and magical toad, but a person nonetheless) deserving of the utmost respect. He somehow seemed like AJ and Big Justice’s elder and Fallon’s boss. He’s 3 feet tall, 8 years old, and probably learning how to subtract in a third grade classroom as you read this. And his name? Is the Rizzler.

    If you knew none of this, then congratulations—your algorithm is built different. If you knew any of this before the Rizzler started proliferating through social media at large following the Fallon segment, then you are probably a straight white man. The Rizzler may not be related to the people he makes viral videos with, but he certainly has cultural cousins: Hawk Tuah, Baby Gronk, Theo Von. These are words and names that could kill a Victorian child, but words that I know nonetheless. You could call the Rizzler the human Moo Deng … and you could also call him the baby from Dinosaurs. But if you think you’ll make it far on the internet without calling him the Rizzler—you are wrong.

    Yes, visually and spiritually, he’s like if Grogu knew meatball subs existed, but culturally, the Rizzler’s whole bit—other than eating things with two guys who are, again, not related to him—is that he is a child who demands respect. When Fallon asks him to do “the Rizz face” (more on that later), he obliges, I believe, out of the goodness of his heart, and not because he’s a dancing monkey. He does the big booms with AJ and Big Justice because he supports his friends’ ambitions, not because he’s a clown. He offers up that he likes chocolate-covered raisins when Fallon strangely yells at Big Justice, “THEY’RE GOOD FOR YOU!” after Big Justice—a kid—complains about raisins as a Halloween treat. The Rizzler is the head of families he doesn’t even hail from. The Rizzler is an aura bomb, wrapped up in charisma and comic timing, who looks like a Squishmallow and smells like pastrami, but in a good way.

    Or that’s what TikTok would tell you when there aren’t enough reverent words in the English language with which to praise the Rizzler (government name: Christian Joseph). Trying to convey this to a Tonight Show audience who thought they might be seeing Zendaya or Ryan Gosling, or even that young “Brat” woman they’ve been hearing so much about, is a Herculean task that no one at The Tonight Show even attempted. When an internet trend hits the harsh, NBC-studio-scented air of the real world, it’s like seeing a teacher at the mall. Or maybe it’s more like seeing the school mascot at the principal’s desk. Something doesn’t quite feel right, and suddenly everyone is asking questions like “Who got fur in the coffee maker?” and “Why are Jimmy Fallon’s ears bleeding like that?” and “What’s a Rizzler?”

    On the latter, at least, I can help. No small being has sparked this much curiosity with so few answers since your mom started asking you what Moo Deng was. And I’m certainly not trying to pit round things against each other—that’s billiards, and this is actually bigger than that. Because nothing produces more questions and anxiety over where we are as a culture than when the lawless, lore-driven celebrities of social media meet the tidy, media-trained couches of late night television. So for those just catching up, allow me to answer your questions about how the Rizzler got there (other than, again, by possibly being a magically materializing toad). Let’s start with the obvious and most frequently asked question about the Costco Guys and the Rizzler …

    Why doesn’t the big one simply eat the smaller ones to grow stronger and defeat Jimmy Fallon?

    Great question with a not so simple answer: In joining forces, AJ, Big Justice, and the Rizzler have created a viral ecosystem that simply doesn’t work without all of the biotic and abiotic components working in unison. Less scientifically speaking, these three are the holy trinity of BroTok. AJ is God, Big Justice is Jesus Chrst, and the Rizzler is the Holy Spirit that keeps us intrinsically connected to them all.

    AJ, love him or tolerate him, has been trying to go viral or get famous—whichever comes first—since Big Justice was in “larval form,” to quote a TikTok comment lost to time. Before he started vlogging about his family on social media, AJ was a semiprofessional wrestler who went by “American Power Child, Eric Justice.” But he was also, like … making parody songs and putting Big Justice in his “backbling” (a Baby Bjorn, goodness, this lore is deep) to go shopping. Until something finally stuck: Costco. In March, AJ and Big Justice went mega-viral (56.7 million views and counting) for their “We’re Costco Guys” video, and eight months later, they have more than 2 million TikTok followers and their very own Beans (which is to say, an unrelated minor who maybe lives with them).

    The Rizzler is simply a funny kid who seems to like doing characters and bits. It’s a tale as old as time, but whereas I pretended I was a puppy dog for, like, my entire fourth year of life and nothing happened but my parents getting annoyed, the Rizzler went viral precisely this time last year for fully embodying his Black Panther Halloween costume: “Just because I’m Black Panther doesn’t mean I’m going up a ladder! Mommy said it’s dangerous.” As legend goes, Big Justice saw this video and wanted to meet the Rizzler, so he traveled with AJ to New Jersey—shockingly, the Costco Guys are not from New Jersey, but Boca Raton, Florida—and the rest was history …

    But realistically, the degree to which AJ was like, “OK, and what if I just got an even smaller guy and recruited the Rizzler to start making content like he was related to them—something many fans still don’t even realize—is kind of unreal. AJ knew what women decorating homes have always known: Getting the tinier version of something normal-sized is simply more fun. I like tiny bowls because I can put even tinier things in them. And I like the Rizzler because he’s a tiny Big Justice, who is a tiny AJ, and there’s no verifiable proof that they didn’t find an industrial-sized vat of the Substance at Costco that made this all possible.

    But where did the Rizzler get his name? The other day I heard the words “sticking out your gyat for the rizzler” floating from underneath my 13-year-old’s door. Are these two things related?

    Sort of. But also, gross!

    The easiest way to put it is that “rizz” is Gen Alpha slang for “charisma,” and a rizzler is someone who has it in spades. I’ll explain “gyat” just because we’re here, and so you can get your kid to stop listening to that song (but it will never leave your head again, I’m so sorry, it’s like the video from The Ring, you just have to pass it on now). Gyat stands for “girl your ass thick” and is basically a replacement word for “a woman’s butt,” so to stick out your gyat for the rizzler is to show off your behind to attract a charismatic gentleman …

    I don’t want you to talk like this, OK? But you need to know that there are people talking like this, and they are mostly under 5 feet tall, and we need to be able to talk to them! We also need to speak this language to understand that, in a matter of months and with a handful of viral videos, this 8-year-old boy went from being a rizzler to being the Rizzler. According to the lore, the Rizzler’s friends started calling him the name before he even knew what it meant, and he started making the face that’s made him famous—“mewing,” as the kids say, or “Chad face,” as the slightly older kids say—even before that.

    If you were paying close enough attention, you may have noticed that on The Tonight Show, the Rizzler taught Fallon and the Roots how to do the eyebrow raise and lip pursing—but not the signature cheek stroke. Some things are simply proprietary.

    What we all need to understand is that generational talents used to debut on the Disney Channel with a show about being a tween private investigator who has a medical condition that gives them a wolf’s sense of smell. Now those little talents are on TikTok. The idea that they can all make it to The Tonight Show one way or another is as concerning and alarming (for us) and exciting (for the Rizzler and Chloe Wolfe, PI) as ever before!

    But why do people love the Rizzler so much?

    It seems to be one part “he’s so cute, I want to eat him like a Haribo gummy,” a dash of “this kid is just innately weird and funny,” and a heavy pour of “this is a child who I see only on social media that I can assign a character to and have a little fun never knowing whether it’s true.”

    The cuteness is often rolled out in the Rizzler archives—cute home videos from before he was a mononymous internet personality—and the humor is in the content he makes with the Costco Guys and the extended Costco Universe (more on that later). But the character work is going down in the comments, where Rizzler fans observe a mafia-dom-like energy from this itty-bitty Michelin Man. Any suggestion of an insult is met with an insistence on respect for the Rizzler’s name. Any suggestion that perhaps Costco food taste testing isn’t what children should be doing for their after-school snack is met with a stern “The rizzler doesn’t even eat the double chunk chocolate cookies you fucking moron.” And, in general, something about that Fallon interview: The fact that he was at the right hand of the host, the fact that he sat quietly confident as his colleagues fawned and fretted over their big moment, the fact that it was preceded by starring moments at Knicks and Mets games this month—all of this just kind of made it feel like the Rizzler had moved beyond his corner of the internet and into the mainstream.

    And I don’t know what to tell you—the source material is there. I have officially been Rizzler pilled. This third grader simply has the gravitas of Gandolfini or Don Corleone, whether he technically has access to a (toy) horse’s head or not.

    On that note, are we sure this is … a child?

    Does the Rizzler kind of appear to be an adult wearing shoes on his knees like Gary Oldman in Tiptoes? Yes. But by all accounts, that’s just part of his general aura. It’s not, like, an Andy Milonakis situation. (Although I would be fine with the Rizzler getting his own talk show, maybe even just usurping the Tonight Show gig the next time he’s on. He’s the head of the family now, after all.) There is a strong video trail that shows the Rizzler being an actual baby just a few years ago. Which, it also can’t be overstated that after a summer spent getting wildly internet famous, the Rizzler simply … went to third grade.

    Why did it seem like Jimmy Fallon would rather be at a vegan butter-churning festival than play along with the people—two of whom are children—he invited onto his show?

    Pretty rich for ol’ James to be annoyed by childlike behavior from two actual children and their kinda-sorta guardian! At various times throughout the interview, Fallon seemed to roll his eyes or attempt to move on from the kind of bombastic, repetitive clownery the Costco Guys intentionally use in their videos—you know, the kinds of things kids like? The internet astutely pointed out that Jimmy should be careful. By disrespecting him, Jimmy was treading awfully close to turning the Rizzler into the Joker.

    My pet theory is that Fallon didn’t know, until the second the house lights went down and the stage lights came up, that the Rizzler was a child. Just look at the way he looks to the Rizzler for help when AJ and Big Justice bellow out their 20th Big Boom of the night. Also, Jimmy didn’t help the Rizzler when the kid asked him what to do with the licorice that received only two measly booms, and because he was too polite to put it on Jimmy’s desk, he just had to eat it. That is absolutely no way to treat the Rizzler, a person I learned about four days ago.

    Why do they say “BOOM!” like that, though? Is it a sloppy homage to Emeril’s “BAM”?

    You know what, maybe? But sometimes virality really is just as simple as rhyming, and someone like AJ knows that. The Costco Guys invented the “Boom or Doom” scale to rate their Costco findings, immediately abandoned ever “dooming” anything, and resorted to rating everything on a five-boom scale. One boom is no good, three booms is solid, and when something is a home run, it gets “Five! Big! Booms!” The booms must be both verbally and physically performed, and they must be loud (sorry, Jimmy Fallon).

    The booms are more native to the Costco Guys than the Rizzler, but he does participate when called upon and always backs them up when they’re giving big booms, even when Fallon is sighing down his neck a foot away. He’s magnanimous that way.

    Wait, but if AJ isn’t the Rizzler’s dad, who is? Did he spawn from a Costco baby back rib like Adam?

    The Rizzler has parents. His dad is especially present on the Rizzler’s own social media pages, filming and sometimes doing skits alongside him and his little brother (yes, they get even smaller). The Rizzler’s dad even has his own moniker within the Costco Universe: Uncle Savasta.

    Sorry, did you say the Costco Universe?

    I’m suspicious of AJ and where he falls on the scale of “monetizing your children—and also not your children!—to live out your dreams vicariously through them,” but to be honest, I find his laugh while spending time with his child (and not his child!) so genuine that the jury’s still out. Plus, it’s all such a gender bend of the Toddlers & Tiaras mom trope that I’m almost impressed by the subversiveness …

    But I’ll hand this to Costco dad every day of the week: He’s incredible at talent acquisition and world-building. Get this guy out of the amateur wrestling ring and into a Marvel studio. Even before AJ and Big Justice acquired the Rizzler, they’d been branding their entire family and adding newcomers to the Costcoverse. There’s Cousin Angelo, who, like Cousin Olver, seems to be a less preferred member of the crew but who also has an admirer in Vita Coco, which is endlessly funny to me; there’s this guy Makeshift Zach, who gets all the exclusive interviews with the family; and regularly appearing in the videos are MBJ, a.k.a. Mother of Big Justice, and the sister Ashley, who simply goes by Ashley, which I personally find iconic.

    And of course, the Rizzler debuted in the Costco Universe at the beginning of the summer, rating chocolate chip cookies (pronounced exclusively: DUWBA CHUNK CHOCK-LUT COOOOKIE) with the gang. Every member of the Costco Extended Universe gets their own added verse in the viral song “We Bring the Boom”; there’s a line in the Rizzler remix that is funnier and more astute than anything a band of bloggers could ever conjure: We’re like the three ev-o-lutions of a Pok-e-mon.

    Not to start any beef, but at this point, has the Rizzler become bigger than Costco Guys—bigger than any one fictional universe can contain?

    Technically speaking, the Rizzler isn’t bigger than most things. You could roll him up in a ball and save him in your pocket for later, like a jawbreaker.

    But in terms of power and influence—yeah. He’s the Steve Urkel of bro-y TikTok: a guest character brought in to jazz things up who stole the show so completely that you’re pretty sure the show was called Steve Urkel. But I firmly believe that the Rizzler needs the structure and support of the Costco Universe as much as they need his star power.

    Ok, but, is this … bad? Is it bad to enjoy the Rizzler as a sort of funny little internet character who is, in fact, a child who isn’t really in control of his own online presence? Is this going to haunt me? Is this going to become a Baby Gronk situation?

    I assume this tricky final question is payback for telling you about sticking out your gyat for the Rizzler, in which case, I do understand, but wow, what a doozy.

    I’ll say this: The feeling I have when I look at the Rizzler is the same one I have when I see a Shiba Inu puppy. Can you please just stay like this forever? Can you be cute just like THIS forever, even though I know the future thing you’ll be is just as good???

    And for that reason, I would really love for the Rizzler’s parents (and OK, AJ, too) to talk to the Corn Kid’s parents. Remember him? The 7-year-old with a naturally hilarious way of communicating who accidentally got famous on another person’s social media channel? And then he took a few big brand deals, threw a few baseballs, rode on a float in the Macy’s Thanksgiving Day Parade, and then just … went back to school without us ever even learning his last name? Because his mom didn’t want us to know it! And one day, after that kid has hypothetically finished four years of college paid for by one Chipotle ad and the good personality he had when he was 7, if he still wants to be famous, or work for Big Corn, or make viral TikTok videos—he can! (And listen, even with all that care, internet rumors still went viral saying that he died, which Corn Kid had to clear up on Instagram. Which is exactly why it was a good idea for Corn Kid to go back to being just a kid.)

    Fame isn’t linear, and nothing can stay golden forever. Nor can it stay perpetually round and fully detached from the Tonight Show floor. Internet main characters, even the young ones, are like the plucky ingenues of the aughts—we lift them up onto pedestals so high, they can only ever fall from them. And while I feel confident in the Rizzler’s Anne Hathaway–like ability to bounce back, I’d love to see him not have to. I’d love to see the adults around him help him avoid any descent that’s too painful. We’ve learned to respect the Rizzler. Let’s—all of us—keep it that way. Because I certainly don’t wanna find out who gets the horse head first.

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    Jodi Walker

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  • Snapped Out Of It

    Snapped Out Of It

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    I don’t understand what’s wrong with my brain, I was incredibly depressed for 5 days, ready to pepsi myself and then boom, 8pm last night sitting on the couch and it went away, got up cleaned the house, went to the gym, basically like it never happened.

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  • Chicago’s Filipino Boom Continues With a New Bakery Near Seafood City

    Chicago’s Filipino Boom Continues With a New Bakery Near Seafood City

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    Bakers and spouses Robert and Kissel Fagaragan say they can predict the future — at least when it comes to local hospitality.

    The owners of Umaga Bakehouse, a new bakery specializing in Filipino baked goods, the Fagaragans feel confident that the country’s distinctive baking tradition will dominate the next phase of Chicago’s Filipino American restaurant boom. They’ll open the bakery on Friday, April 12 at 4703 W. Foster Avenue across from Seafood City, the pan Asian supermarket with a robust selection of Filipino goods. The bakery’s name means “morning” in Tagalog.

    At nearly 4,000 square feet, Umaga is touted as one of the largest Filipino bakeries in the U.S. Local designer Aida Napoles of AGN Design (also behind the design at West Town’s Diego and Mag Mile’s The Evie) who’s opted for warm earth tones with modern touches like bronze tile. To capitalize on natural morning light, Umaga is equipped with floor-to-ceiling windows, and the team commissioned a custom-milled s-shaped wooden table to serve as both a display centerpiece and provide seating for 10.

    Umaga specializes in fresh Filipino baked goods.
    J and L Photography/Umaga Bakehouse

    A serving of halo-halo.

    Halo-halo.
    J and L Photography/Umaga Bakehouse

    “I feel like the Filipino bakery is up next in the Chicago scene,” says Kissel Fagaragan. She’s watched with excitement as locals have embraced hits like Michelin-starred Kasama, Boonie’s Filipino Restaurant, and Bayan Ko. “It’s been very motivating [to see] that Filipino dishes are starting to get popular. But I feel like Filipino bread is still a secret, so we want to bring that full force.”

    The Fagaragans feel strongly about honoring the techniques and traditions of Filipino baking while placing these baked goods in a contemporary space that’s appealing to both novices and experts — “the Filipino bakery reimagined,” Kissel Fagaragan says.

    That means customers can count on staples like hot pandesal, a yeast-raised roll that’s ubiquitous in the Philippines, and fluffy ensaymada, a popular brioche pastry based on a Mallorcan treat of the same name. The Filipino version is distinctive from the original, evolving over 300 years of Spanish colonization. The couple put a lot of effort into perfecting Umaga’s ensaymada and say they’re finally happy with a version they can call their own — one that’s “soft, moist, not too crazy sweet.”

    Kissel Fagaragan smiles for a portrait photo.

    Umaga Bakehouse owner Kissel Fagaragan.
    J and L Photography/Umaga Bakehouse

    Robert Fagaragan smiles for a portrait photo.

    Umaga Bakehouse owner Robert Fagaragan.
    J and L Photography/Umaga Bakehouse

    Kissel holds up an old photograph of her parents.

    Kissel Fagaragan’s parents owned Kissel’s Bakery in Lancaster, California.
    J and L Photography/Umaga Bakehouse

    Robert holds up an old photograph of his father and himself as a child.

    Robert Fagaragan’s father ran a bakery out of their home in the Philippines.
    J and L Photography/Umaga Bakehouse

    Those seeking a sugar rush will have plenty of options including sans rival, a layer cake of buttercream, meringue, and chopped cashews; and pan de coco, a sweet roll stuffed with coconut and molasses. The couple also promises plenty of ube-infused delicacies, plus halo-halo and a collection of savory pastries like longanisa rolls, menudo buns, and crispy Ilocos empanadas.

    The couple’s commitment to a legacy of Filipino baking has roots that go deeper than cultural heritage — both spent their childhoods working (and playing) in their respective family bakeries. Born on the West Coast, Kissel Fagaragan vividly recalls Kissel’s Bakery, the small bakeshop her parents owned in Lancaster, California. “That was my playground, [and] that’s where I saw the hard work that they did,” she says. “It definitely gave me a work ethic early on and the passion to do this.”

    Kyle smiles and rolls dough.

    The Fagaragan’s four-year-old daughter Kyle joins her parents in Umaga’s kitchen.

    Four rolls of Filipino Spanish bread on a white plate.

    Spanish bread.
    J and L Photography/Umaga Bakehouse

    A crispy empanada cut in half on a plate.

    Ilocos empanada.
    J and L Photography/Umaga Bakehouse

    Her husband, Robert Fagaragan, a native of the Philippines’ Ilocos Norte Province, also recalls learning to make bread alongside his father in the small bakery he ran out of their home. He remembers getting up in the wee hours with his dad and riding his bike through the neighborhood hawking fresh-baked bread. After emigrating to the U.S. at 17, he would eventually find a job as a cleaner in a bakery in Sacramento, California — a move that would prove fortuitous, as that’s where he met his wife and reconnected with the joy baking brought to his childhood.

    The couple took a leap of faith and moved to Chicago in 2018 to pursue new job opportunities. They fell in love with the city and are particularly excited about Umaga’s prime vantage point amid the Northwest Side Filipino community. They hope its proximity will draw shoppers from Seafood City (and away from Filipino powerhouse Jollibee). The morning commuters from the nearby Edens Expressway also present another potential source of customers.

    But most of all, however, they’re delighted to be creating new baking memories with a new generation: their 4-year-old daughter Kyle.

    “She’s very hands-on and loves to work with Play-Doh, so with dough, she’s even more excited,” says Kissel Fagaragan. “But as much as we’d love for her to take over [Umaga Bakehouse] one day, we’re happy with whatever she wants to do — as long as she’s happy.”

    Umaga Bakehouse, 4703 W. Foster Avenue, Scheduled to open Friday, April 12.

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    Naomi Waxman

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  • Use your hair to help your garden or fight pollution. A Bay Area group shows how

    Use your hair to help your garden or fight pollution. A Bay Area group shows how

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    Try answering this off the top of your head: What’s an abundant renewable resource that can spur growth in your garden and clear pollutants from bodies of water?

    The answer, according to a Bay Area nonprofit, is hair.

    Matter of Trust, an ecologically focused group in San Francisco, has been using hair for more than two decades to clean up oil spills and other pollution from bodies of water. Its latest project is encouraging the growth of vegetation in the Presidio in San Francisco, a national park site.

    Matter of Trust is using hair to encourage the growth of vegetation in the Presidio in San Francisco.

    (Matter of Trust)

    The group got its start after learning about Phil McCrory’s hairy idea in the ’90s.

    The inspiration came to McCrory, a hair stylist in Alabama, when he was washing a client’s locks as CNN was showing images of otters covered in crude oil from the Exxon Valdez tanker that slammed into an Alaskan reef in 1989.

    McCrory realized that in his hands was a fiber that soaks up oils, according to Lisa Gautier, founder of Matter of Trust. But after the haircut, it would be swept up, trashed and dumped in a landfill.

    Gautier and McCrory became partners. He developed a way to turn hair, fur, wool or fleece into mats to absorb petroleum. Later, they discovered that the material could be stuffed into recycled burlap sacks and pantyhose to make booms or mats that would soak up oil.

    The idea was put to the test in 2007, when a 926-foot cargo ship, the Cosco Busan, sideswiped a support on the San Francisco-Oakland Bay Bridge. The collision opened a nearly 100-foot-long gash on the side of the ship, causing 58,000 gallons of heavy bunker fuel to leak into the ocean.

    Within hours, Gautier said, she and her team coordinated hundreds of volunteers to place hair-infused booms and mats along San Francisco’s beaches.

    To try to get rid of the waste the booms and mats collected, the team subjected them to two composting methods: worms and thermophilic fungi, or heat-loving bacteria and fungi that can kill pathogens by generating high temperatures. After about 18 months, the hazardous waste was turned into healthy compost, Gautier said.

    The hair mats’ latest job, at the Presidio, will test their fertilizing capabilities.

    The Matter of Trust team places hair into the soil of its vegetables to aid in composting and vegetation

    Hair can be formed into mats that soak up oil or can be used as mulch.

    (Matter of Trust)

    In a pilot study, the hair mats are being used as a mulch on the patchy park land. The results surprised the Presidio Trust’s associate director, Lew Stringer, SFGate reported.

    “The sections we planted using that material as substrate clearly grew more robustly than the control areas,” Stringer said.

    Bay Area and Los Angeles residents who compost or want to boost the vegetation on their property can use human or pet hair. It’s lightweight, and you can put it on top of the soil in your flower pots and garden, Gautier said. If the hair is longer than 2 inches, bury it in the soil to avoid entangling birds’ feet, she recommends.

    If you want to donate hair to Matter of Trust, sign up on the organization’s website, the Hum Sum. Gautier said the group accepts all human, pet and synthetic hair but asks that the various types be packaged separately.

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    Karen Garcia

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  • With house prices this high, boomers may want to become renters

    With house prices this high, boomers may want to become renters

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    If you’re a retiree and you’re trying to square the circle of rising costs, longer lifespans, more expensive medical care and turbulent markets, don’t be afraid to run the numbers on your biggest investment.

    That would be your home — if you own it.

    U.S. house prices are now so high that it is almost impossible for seniors not to ask themselves the obvious question: “Should we cash in, invest the money, and rent?”

    Right now the average U.S. house price is nearly $360,000. That’s about a third higher than just a few years ago, before the COVID-19 pandemic. The lockdowns, the panic, the stimulus checks and 2.5% mortgage rates have all passed into history. But the sky-high prices remain — for now.

    After several years of double-digit percentage increases, apartment-rent growth is falling for only the second time since the 2008 financial crisis. WSJ’s Will Parker joins host J.R. Whalen to discuss.

    At these levels, analysts at Realtor.com — which, like MarketWatch, is owned by News Corp.
    NWSA,
    +1.13%

    say that in 45 out of 50 major U.S. metropolitan areas it is cheaper to rent than it is to buy a starter home. The Atlanta Federal Reserve Bank says national housing affordability is abysmal — about where it was in 2006 and 2007, during the big housing bubble.

    There is a similar story for seniors. Federal data show that the average U.S. house price is now nearly 17 times the average annual Social Security benefit — an even higher ratio than it was in August 2008, just before Lehman Brothers collapsed. At that juncture, the average house price was 15 times higher.

    U.S. National Home Price Index vs. average rent of primary residence in U.S. city, according to the U.S. Bureau of Labor Statistics. Indexed: January 1987=100.


    S&P/Case-Shiller

    Our simple chart, above, compares average U.S. home prices with average U.S. rents, going back to 1987. (The chart simply shows the ratio, indexed to 100.) The bottom line? House prices are very high at the moment compared with rents — again, prices are about where they were in 2006-07.

    And the two must run in tandem over the long term, because the economic value of owning a house is not having to pay rent to live there.

    If there are times when, in general, it makes more financial sense for seniors to rent than to own, this has to be one of those.

    Seniors who own their own homes may think high interest rates on new mortgages don’t affect them. They most likely either already have a mortgage at a lower, older rate or they’ve paid off their home loan. But if you want to sell, you’ll almost certainly be selling to someone who needs a mortgage.

    If borrowing costs drive down real-estate prices, seniors who hold off on selling may miss out on gains they may never see again. After the last housing peak, in 2006, it took a full decade for prices to recover fully. Those who sold when the going was good had the chance to buy lifetime annuities at excellent rates or to invest in stocks and bonds that overall rose about 80% over the same period.

    As I mentioned recently, there is a broad basket of real-estate trusts on the stock market that are publicly traded landlords. You can sell your home and invest in thousands at a click of a mouse.

    But should you?

    Incidentally, there is also an exchange-traded fund that invests in residential REITs, Armada’s Residential REIT ETF
    HAUS,
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    ,
    though in addition to single-family homes and apartment-complex operators, about 25% of the fund is invested in companies involved in manufactured-home parks and senior-living facilities.

    For each person, the math will be different, and there are a number of questions you need to ask. Where do you want to live? How much would you get if you sold your house? How much would you pay in taxes? How much would it cost to rent the right place? Do you want to leave a property to your heirs? And what would be the costs of moving — both financial and emotional?

    The conventional wisdom is that you should own your home in retirement.

    “I would advise any and all retirees against renting if at all possible,” says Malcolm Ethridge, a financial planner at CIC Wealth in Rockville, Md. “You need your costs to be as fixed as possible during retirement, to match your income being fixed as well. If you choose to rent, you’re leaving it up to your landlord to determine whether and by how much your No. 1 expense will increase each year. And that makes it very tough to determine how much you are able to allocate toward everything else in your budget for the month.”

    A key point here, from federal data, is that nationwide rents have risen year after year, almost without a break, at least since the early 1980s. They even rose during the global financial crisis, with just one 12-month period where they fell — and then by only 0.1%.

    “My general advice for clients is that owning a home with no mortgage in retirement is the best scenario, as housing is typically the highest cost we pay monthly,” says Adam Wojtkowski, an adviser at Copper Beech Wealth Management in Mansfield, Mass. “It’s not always the case that it works out this way, but if you can enter retirement with no mortgage, it makes it a lot easier for everything to fall into place, so to speak, when it comes to retirement-income planning.”

    “Renting comes with a lot of risk,” says Brian Schmehil, a planner with the Mather Group in Chicago. “If you rent, you are subject to the whims of your landlord, and a high inflationary environment could put pressure on your finances as you get older.”

    But it’s not always that simple.

    “With housing costs as high as they are now though, renting may be a viable solution, at least for the moment,” says Wojtkowski. “We don’t know what the housing-market trends will be going forward, but if someone is waiting for a housing-market crash before they move, they could very likely be waiting for a long time. We just don’t know.”

    “Any decision comes with pros and cons,” says Schmehil. “Selling when your home values are historically high and renting allows you to capture the equity in your home, which is usually a retiree’s largest or second-largest financial asset. These extra funds allow you to spend more money on yourself in retirement without having to worry about doing a reverse mortgage or selling later in retirement, when it may be harder for you to do so.”

    Renting also allows you to be more flexible about where you live, for example nearer your children or grandchildren, he adds.

    And as any experienced property owner knows, renting also brings another benefit: You no longer have to do as much work around the house.

    “Renting is great in that you don’t need to maintain a residence,” says Ann Covington Alsina, a financial planner running her own firm in Annapolis, Md. “If the dishwasher breaks or the roof leaks, the landlord is responsible.”

    Wojtkowski agrees, noting that many people no longer want to spend time mowing the lawn or shoveling snow in retirement. “Ultimately, one of the things that I’ve seen most retirees most concerned with is eliminating the general upkeep [and] maintenance of homeownership in retirement,” he says.

    Several planners — including Covington Alsina and Wojtkowski — note that one alternative to selling and renting is simply downsizing. This can free up capital, especially when home prices are high, like now, without leaving you exposed to rising rents.

    Many baby boomers have been doing exactly that. 

    Meanwhile, I am reminded of my late friend Vincent Nobile, who — after a long and fruitful life owning homes and raising a family — found himself widowed and alone in his 80s. He rented a small cottage on a New England sound and said how glad he was that he never had to worry about maintaining the roof or the appliances, or fixing the plumbing or the heating, or any one of a thousand other irritations. Or paying property taxes — which go down even more rarely than rents.

    When the regular drives to Boston got too onerous, he moved into the city and rented there. And he was glad to do it. The money he had made was all in investments — a lot less hassle both for him and his heirs.

    I once asked him if he would prefer to own his own home. He shook his head and laughed.

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