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thisisthehardestthing · 4 years

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This Is The Hardest Thing - 2

CHAPTER 2

Synopsis: A exchange student from the US in enrolled into UA when her father has to move to help with the increased crime rates in Japan. The final year of high school is a lot to handle, adding on top the class of 3-A and the trouble they get into will make for a wild ride.

Author’s note: Switches to third person in the middle. I hope it’s not complicated lol. I have been reading this chapter over and over and over again trying to tweak it but I think this is the best I’m going to get it. After this chapter, the plot is going to get a jumpstart in a new direction.

Triggers: swearing

Word count: 3.4k

@whats-her-quirk , @aizawascumslut

CHAPTER 1 , MASTERLIST

CHAPTER 2 - BUTTERFLIES

Sun’s setting earlier, you mused. Different to what you were used to. The cool breeze of this morning was back. In a few days, it would officially be autumn. Your chest rose as you took a deep inhale. The scent of sweet grass lingered in the air as though it was recently mowed. There was a sigh of content that escaped your lips.

You walked to the dorms that you were to live in. Large doors loomed in front of you as you dragged your purple suitcase over the stoned walkway. The 3-A was hanging above the entrance painted in white on the red brick.

During the last class of the day, you were called to the reception to fill in some forms about the living arrangements, and received the key to your bedroom and front door. You recalled the amenities mentioned by the smiling receptionist; a full gym, kitchen, laundry and bath area’s. Your suitcase had also arrived, being couriered directly from the airport. You had only one that wasn’t even full, so it had felt like a waste to not have waited for it yourself.

As you stood in front of the large doors to the dorm house of Heights Alliance, the butterflies in your belly managed to start up again, wings fluttering and getting caught in your intestines. There you stood in front of the closed front door, not knowing what to expect on the other side. It almost felt as if you were supposed to knock before entering, even though you now lived there too. Your eyelids shut as you took a breath before gripping the handle with white knuckles.

The floor was wooden. A light birchwood that bent and bounced under your weight as you walked across it. Inside the large front room, the lights were bright and gave the room a warm glow. Some of your new classmates were sprawled in the lounge area, watching T.V. It was a collection of arms on the back of the chairs, legs thrown over the top of pillows. Mineta was sitting on the floor near the tv as an actress was jumping off a building, almost as if he could look up her skirt from his angle.

There were dishes clattering in the kitchen, it was carrying voices arguing about who is cooking and who is washing up. Kirishima wants barbecue meat, Momo wants a green salad with plently of fried sides to share. You heard them come to a decision of a mixture of both. Todoroki was standing in front of sink, filling up empty ice cube trays with water. It was as if the house was both the eye and the storm at once. They were working together in a neat chaos and you took it all in as you walked in.

The sounds of your footsteps and the bag wheeling behind you caught the girls’ attention and they all rushed to you. Mina and Uraraka gave you a welcoming hug. Your intestines unwound and you forgot why you were nervous in the first place.

“Finally! We were wondering if you were going to be living with us in the dorms or not!” Mina gestured, linking her arms with you like when you first met. She was extremely friendly and put you at ease with how natural it felt to talk to her.

“Yeah, I am. I had to go fill some stuff out before I got here.” You replied, smiling back at her.

“Awesome,” She said with a thumbs up, catching you off-guard because it was in English, and your smile widened. You pulled your arm out of hers and fumbled for your room key in your pocket.

“What room is 2-3?” You ask, showing the girls the yellow tag.

Mina, Tsuyu, Momo and Uraraka said they would accompany you up to your room.

“Do you mind if we help you unpack?” Uraraka asked, footsteps lightly padding on the floor as you made your way to the staircase, past the kitchen. “We want to get to know you! There are so many boy’s in our class, it’s nice to have another girl to talk to.” You heard a laugh that bordered on a bark.

“HA! As if she’s a girl.” Bakugo roared out, still bitter that you had the upper hand for a few seconds during the short fight. Kirishima grabbed him in a headlock, pulling him down low. Your eyebrows shot up as he was able to keep a firm hold on the neck, not faltering under the strength of Bakugo’s threats and tugs. He had a grey gym tank on that had wide armholes. The movement had shifted one so that half of a dark brown nipple was on display.

“Ignore him,” He flashed a toothy smile. “He just needs to get used to you. Kind of like a dog.” You gave Kirishima a small grin in return. Your eyes snapped back to Bakugo who had set off an explosion against Kiri’s side to free himself. The girls dragged you up the stairs as they rolled their eyes.

“See what we mean?” They all giggled.

Your bedroom was on the second floor, the third to the right of the split hallway. You unlocked the door. It swung open with ease, as if welcoming you home.

There was a simple bed with light grey covers folded neatly on the end. A dark wood desk and chair to do your work on, a set of drawers and a single closet, that already had some school uniforms hanging, courtesy of dad. The mini-fridge and microwave was snugly against a marble counter that had storage space both above and below it. There was an attached bathroom with a toilet and a sink. It was a bare room, which was fine because it meant you could decorate it throughout the year with things you come across.

Your bag fell heavily on your bed and Mina jumped on after it, giddy with excitement. Uraraka explained that they wanted to see what kind of clothes you wore in the USA.

“Well, I don’t want to disappoint you, but it’s pretty normal stuff.” You laughed. They were acting like you came from another planet. “I also don’t actually own a lot of things, so I’m sorry if it’s not up to your expectations.” The purple trolley bag was now unzipped and open. Tsuyu peered over your shoulder as everyone looked at the items. They watched as you hung up your clothes and they chatted animatedly among themselves, handing you some of the shirts and jeans.

It felt good to be talking to other girls your age. Ever since your mom left, it had been you and your dad. The people in your old school had started to shun you after a particularly bad incident with your quirk, which is why you didn’t want to bring it up for as long as possible. And the girls were fine to not talk about what it was, instead bringing up other topics. They’d seen how you’d danced around the questions about yourself from Midoriya’s examination during lunch. He’d been scribbling a notebook about your father but you had changed the topic as soon as he asked about you.

“Oh my!” Momo interrupted as she saw your underwear. It was a rather large collection of thongs, some lacey, most plain. Yet you only owned three bra’s in total. “So skimpy!” She lifted one up by the waist band and stretched it out gently, blushing red. You grabbed it from her, your own face and ears going pink, burning hot.

The girls fell down in their laughter. You quickly gathered it all up and stuffed it into a dresser, deciding to sort it out later.

“I like nice things” you shrugged, closing the drawer quickly.

“What else can we expect from the land of Victoria’s Secret?” Mina wiggled her eyebrows.

They soon left you to your own devices to sort out the rest of your room, welcoming you to UA as they closed the door.

It was 1 in the morning when you were finally ready to climb into bed, having just changed into your red night dress. Everything was meticulously packed away, and you were happy with the way the day turned out. Three framed photograph’s of your family sat atop the dresser. You were about 10, gap toothed smile on display with your parents staring lovingly at each other behind you. The other two were more recent pictures of you with each of your parents after their divorce.

But then your stomach rumbled and you moaned as you realized you had never eaten dinner. You raked your fingers through your thick hair, pulling it against your scalp. How could you have completely missed it? That’s also when you realized that you had not looked at your phone the entire day, and had no one’s numbers. Which was a shock. Your body was still not used to the time difference, so you convinced yourself to head downstairs since you wouldn’t have been able to sleep anyway.

Maybe there are leftovers? You thought to yourself as you shrugged on a thin, white cotton bathrobe and padded quietly down the hall with your bare-feet to make your way to the kitchen. The nerves in your feet hummed in response as your quirk begged to be used.

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Bakugo was definitely not expecting to see anyone. He’d went to the gym after dinner, training until late and was once again hungry. He’d just finished a shower, drops were dripping down his neck. Fingers combing through the blonde hair to fluff it back to its usual points as he made his way to the kitchen, stopping when he saw the light was already on.

Who else could be awake at this time? He thought to himself, eyebrows knitting together as the corners of his mouth turned down.

He really did not feel like talking to anyone and he was exhausted from the extra hours of exercise, so he had every plan of ignoring who else was in there until he saw her. The sight of Rei’s back to him made his blood boil, white-hot heat exploding in his body. It was a melting pot of hormonal lust, embarrassment and knowing there was an unfinished fight. It was made worse by the red nightdress hanging on her body. It dipped into a slight V, showing half of her back. She was fit and muscular, it was obviously the kind of body only achieved by intense training. He found her insanely attractive, which pissed himself off even more. He was 100% focused on being the top hero when graduating at the end of the year. He did not have time for feelings. Especially when it was only normal hormonal lust. So he redirected the anger onto other things: the punching bag in the gym, the sponge he scrubbed himself with and at Rei.

He watched in the shadows as she opened the fridge, bending forward slightly to scan the contents. Her short nightdress rode up, dangerously close to the fold of her ass and he felt his hands begin to sweat. His frown deepened. It felt stifling hot in the dark common area and if he wasn’t already shirtless, he would’ve been pulling at the neck to try and get some air. She straightened up, not finding anything that would satisfy the midnight cravings, and her dress dropped again to a somewhat respectable length.

What an idiot. Dressing like this in a common area. He thought to himself, then he saw the bathrobe on the table that had been taken off when she thought no one was going to be there. He wondered if she was as warm as he in that moment.

He heard a huff and she put one hand on her hip, the contours of her shoulders muscled reflecting in the warm glow of the kitchen and moved the hair that was over her shoulder to the back, thick strands covering smooth skin. It bounced with the movement, natural highlights glinting from the hours she would spend in the sun. It was almost mocking Bakugo for staring so intently.

He watched as she moved to inspect the cupboards and scowled when his designated doors in the corner were opened. Rei’s hands lifted up above her head as she reached for a cookie tin that was just out of reach, her dress lifting up one again. Part of him wished for it ride a little higher, the other part of him wished she would crawl back to the hole she’d come from. It was his cookies that he saved for whenever he wanted a treat. There was no way he was letting her take some. They were his.

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The cookie tin kept shifting away from your fingertips as you made a grab for it, pushing it back a little further each time. Your bottom lip was caught between your teeth as you stretched up onto your toes. You huffed as it scooted all the way back and you dropped back down onto your heels. Someone tall must be their owner to store it up so high, or someone wanting to keep it hidden. Your stomach grumbled again, egging you on for the sweet snack.

Fine. You grumbled, stretching your arm out, hand open. To an outsider, it seemed as if an invisible string was connected to the tin, dragging it from the shelf as it flew into your hand. But what you felt on the inside was pure bliss. It was the first time you used your quirk, in weeks. You loved the rush of endorphins it gave you to have control over the object and you smiled. The cool metal of the tin vibrated against your palms, double chocolate chip goodness gripped firmly.

“Oi, new girl!” A gruff voice cut through the silence of the kitchen and you froze, painfully aware that you were naked underneath the dress. Pivoting on your heels, you saw Bakugo standing across from you, leaning against the counter top with his arms crossed across his bare chest. His biceps and shoulders bulged, nostrils flared.

How long has he been standing there? You wondered. Usually nothing could sneak past you, especially when your feet could feel the vibrations of everything.

Then you realised he saw you. It was nothing impressive, just moving a small object to you, but it wouldn’t be long until the rush of power it gave you would call out to be used again.

“Is that your quirk?” He sneered, with an eyebrow raised, “controlling cookie tins? That’s so shitty.”

You frowned. It was anything but that, but you learnt your lesson a few months ago when people challenged you and it went horribly wrong, and so you bit your tongue.

“Whatever, I’m not trying to impress anyone.” You retort back, opening the lid. You saw his eyes dart to the cookie tin, pupils narrowing.

“I don’t think you can impress anyone even if you tried.” He snapped, his hands dropping to the counter behind him as he leaned back. The pose was relaxed, inviting you to prove him wrong.

“Oh yeah?” you challenged, slamming the tin on the countertop, taking a few steps forward. If he wanted to fight, you wouldn’t back down. You were now a meter away from him, and you puffed your chest up to show that you weren’t going to take any of his shit.

“Yeah, dumbass. You fight like a girl, can’t even punch right.” You had to look up to him. Even though you were tall, he was still a few centimeters above you. His eyes glanced down at your chest before glaring at your eyes again. It was so fast that if you weren’t paying attention, you most probably would’ve missed it. The purple bruise on your sternum that he gave you was bright against the skin of your chest, perfectly in between the sun and moon tattoos underneath both your collarbones. His eyes glinted wickedly.

Your body moved before you knew what you were doing. You stuck right your hand out diagonally, a few centimeters away from touching him. He didn’t flinch, eyes traveling to look at your outstretched hand, raising an eyebrow.

“What’re you going to do? Throw the cookie tin at me? Hah.” He barked, laughing at his own joke.

You held your tongue and just dragged your hand horizontally through the air. Your toes pressed into the floor, feeling for the vibration you wanted. His eyes followed your hand and before he knew what was going on, the cupboard door behind him opened and smacked into the side of his head. He grunted and you turned on your heel, walking back across the kitchen. You were no longer hungry, angry at a man that taunted like a child.

“What the fuck!” Bakugo shouted, his voice echoing in the empty space.

“What are you going to do? Swear at me?” You spat back his own ‘insult’. Your comeback felt sour on your tongue. It wasn’t any good, but you were pissed off and anything you said seemed to make him angrier, which was fine with you. “I was going easy on you during training today.”

His nostrils seemed to flare at that last sentence. The palms of his hands began to steam and spark. There was nothing he hated more than people not giving their all when fighting, people thinking they had to hold themselves back when fighting him.

“YOU WERE WHAT!?” He bellowed, his fists clenched. “I’M GOING TO KICK YOUR ASS BACK TO AMERICA!”

If you weren’t already used to intimidating men in New York, you probably would’ve flinched at his shouting, but instead you squared your shoulders and started walking back towards him, your own fist closing. You both pulled back to launch punches at the same time. Then, the air got freezing cold and Bakugo’s fists came crashing down as two thick balls of ice wrapped around them. If he weren’t as strong as he was, he would’ve fallen to the floor. Instead, they dropped to his sides, making his shoulder droop down with the weight. A look of complete shock came across both of your faces and your heads snapped to look at the source.

Shouto Todoroki was standing behind the dining room table, looking extremely pissed off in his beige pyjama set. His half-white, half-red hair messy and shadowing his eyes.

“Can you guys please just shut up and go to bed. You’ve woken up the entire building.” He said, voice dripping with contempt. A slew of curse words erupted from Bakugo’s mouth as he lifted up the ice to bang them against each other, trying to crack them open.

You felt your nipples harden in the now cold room and grumbled, once more aware of just how bare you were. You grabbed your dressing gown that was on the dining table. Wrapping it around yourself as you walked back to the cookie tin to put it away. Bakugo seemed to ignore what Todoroki said, instead calling out to taunt you again. There was no way he was going to let this go.

“What, don’t want to eat the cookies anymore? Fine with me, you were pretty fucking heavy.”

You froze. Through the vibrations, you felt Bakugo adjust his weight to lean back, pleased that it granted a response from you. With the cookie jar away, you strode back up to face him for the final time that night. Shouto tensed up, ready to interject once more. It was a low blow, Bakugo knew it too but his chin was raised indignantly.

You said nothing as you stood in front of him. Your eyes searching one another for a hint that either one of you would back down. The balls of ice were already melting and forming puddles by his feet, the cold water spreading to tickling your toes, so you twisted them out. The cupboard door that you had opened next to his head slammed shut. The loud noise echoed in the kitchen and you turned away from the irritating man.

“Sorry, Todoroki. Good night.” You nodded to him and walked back to the stairs, fuming with anger. You could just hear Todoroki mumble about the time to Bakugo and a scoff in reply, but you couldn’t care enough to pay attention anymore, his insult replaying over and over in your mind.

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Thanks so much for reading Chapter 2! <3 Hope you liked it.

#bnha #bnha fanfic #bnha x oc #fanfic #TITHT #chapter 2 #swearing tw #bakugo #bakugo katsuki #mha #writing #mine #this is the hardest thing

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heartfelthotinhouston · 5 years

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2020 Real Estate Outlook!

Bill Rapp here with the Heartfelt and Hot in Houston Blog, and this is our newest segment: 2020 Real Estate Outlook! The 2019 housing market has been one of low rates, high demand and limited supply—particularly on the lower-priced end of the market. Will 2020 be more of the same? According to experts, yes and no. We spoke to six mortgage, real estate, and housing professionals. Here’s what they say is in store for the year to come: Mortgage rates will stay low—or maybe go lower. Mortgage rates currently sit at 3.75%, according to Freddie Mac’s most recent numbers—nearly a 1% difference from the monthly average a year ago. The drop in rates caused a surge in refinancing over the last few months, and purchase activity ticked up as well. 2020 Real Estate Outlook! Prices will keep on rising. Home prices will continue their climb upward, according to experts, largely thanks to tight inventory and high demand. According to the latest home price forecast from property data firm CoreLogic, home prices should tick up by 5.6% by next September—up from the just 3.5% jump we saw this year. As Daryl Fairweather, chief economist for real estate brokerage Redfin, explains, “Right now we aren’t seeing a ton of new listings. Without more listings coming on the market, there will be more competition starting off in early 2020 and that will lead to more price pressure.” The problem will be worse on the lower end of the price spectrum. According to Ralph DeFranco, chief economist for mortgage insurer Arch MI, entry-level home prices will rise higher than incomes next year—and disappointing construction numbers will only compound the issue. “Low interest rates and a shortage of starter homes will continue to push up prices,” DeFranco said. “This is especially the case for lower price points, since builders have tended to focus on more expensive, higher-profit houses and less on replenishing low inventories of entry-level homes.” It seems the price growth may continue beyond 2020, too. Data from Arch MI shows the chance of home price declines at a mere 11% for the next two years. There are currently no states or metro markets projected to see prices declines in that period. 2020 Real Estate Outlook! Inventory will be tight. Housing inventory is going to remain limited for much of 2020, experts say. And interest rates and record-high homeownership tenures are a big part of the problem. According to recent data from Redfin, the average homeowner is staying in their home 13 years—up from just eight years in 2010. In some cities, homeownership tenures are as high as 23 years. As Kushi explains, “You can’t buy what’s not for sale.” “While historically low rates increase buying power and make it more likely for potential buyers to attain their homeownership dream, they also increase the risk of a long-run housing supply shortage, which we predict will continue through 2020 and possibly intensify,” Kushi says. “As first-time buyers lock-in these historically amazing rates and existing owners refinance—in droves in recent months, everyone will stay put and not sell. Where’s the incentive?” There’s a chance that increasing construction may offer some relief in the inventory department. Last month’s residential construction report from the Census Bureau saw building permits and housing starts both increase over the year. At the same time. builder confidence was at a 20-month high, according to the National Association of Home Builders. Still, it may not be enough to meet the needs of today’s buyers, Kushi says. “As for building new homes, builders have a reason to be cautiously optimistic, given pent up demand stemming from a strong economy, lower mortgage rates and continued wage growth,” she says. “However, building pace still lags behind historical standards, and it will likely take months before we can begin building at a pace that will support the demand.” Millennials will keep up their homebuying streak, while Boomers hold up inventory. Data from Realtor.com shows Millennials made up a whopping 46% of all mortgage originations in September—up from 43% one year prior. Meanwhile, shares of Baby Boomer and Gen X mortgage activity declined. It’s no wonder, either. Millennials rank homeownership as one of their top goals in life—higher than even marrying or having kids—and with interest rates low and incomes up, it’s the right time to buy a home for many. Unfortunately, they face an uphill battle. As Kushi explains, “Looking ahead, Millennials may be entering a tougher housing market in 2020. A limited supply environment, combined with growing demand and increased competition for homes, is accelerating home price growth once again.” The Baby Boomer generation is part of the challenge for this younger cohort, as many are choosing to age in place—keeping more homes off the market than ever before. In fact, a recent study from Freddie Mac shows that if today’s older adults—those born between 1931 and 1959—behaved like earlier generations, then an additional 1.6 million homes would have hit the market by the end of the last year. As Kushi puts it, “The fate of Millennial homebuying to close out 2019 and into 2020 will depend on two factors: if there is anything for them to buy, and whether rising purchasing power stemming from increasing income and historically low mortgage rates can continue to outpace house price appreciation.” The suburbs will be a big draw thanks to Millennial demand. 2020 Real Estate Outlook! As home prices skyrocket, cash-strapped Millennials are looking toward more affordable places to put down roots—namely smaller, suburban towns on the outskirts of major metros. The trend has led to an uptick in “Hipsturbia” communities—live-work-play neighborhoods that blend the safety and affordability of the suburbs with the transit, walkability and 24-hour amenities of big cities. Melissa Gomez, an agent with ERA Top Service Realty in New York, has seen the trend in action. “Being based in the boroughs of NYC, I see Hipsturbia happening every day,” she said. “As cities like New York become increasingly expensive, younger people and families are looking for more bang for their buck with real estate, schooling and everything in between. And slowly but surely, it is breathing new life into small towns outside of major urban hubs.” The Urban Land Institute recently named Histurbia as one of its top real estate trends to watch in 2020. As the report explains, “If the live-work-play formula could revive inner cities a quarter-century ago, there is no reason to think that it will not work in suburbs with the right bones and the will to succeed.” 2020 Real Estate Outlook! The industry will continue to digitize. The mortgage and real estate spheres have been moving away from their manual, paper-laden processes in recent years, and 2020 will only see that trend expand further—especially as more tech-savvy Millennials enter the market. As Hundtofte explains, “In 2020, we’ll continue to see Millennials growing their share of the mortgage market, which in turn, will serve as a catalyst to lenders to continue to rapidly innovate their technology offerings to meet the expectations of an audience more accustomed to an Amazon, Venmo-like experience.” Though plenty of tech offerings already exist—from e-signing and e-notary software to fully-digital mortgage applications, automated income verification and more—Hundtofte says we’ll probably see these solutions start teaming up in the new year. “Rather than compete with each other, we’ll see companies combining technologies across the board, from startups partnering with startups to startups partnering with legacy institutions,” he says. Aaron Block, the co-founder of MetaProp—a venture capital fund focusing solely on real estate technology—says to keep an eye on the Airbnb and WeWork brands specifically in this regard. On WeWork’s recent IPO blunder, Block says, “One major positive outcome of this year's ‘DiePO’ is the plethora of ‘proptech’ innovation talent hitting the street. Some exciting new companies are being formed as we speak.” 2020 Real Estate Outlook! That is all for today folks from the Heartfelt & Hot In Houston Blog, make it a great day! The inspiration for today’s edition came from this original article: https://www.forbes.com/sites/alyyale/2019/11/15/2020-housing-outlook-expert-predictions-for-mortgage-rates-home-prices-tech-and-more/#511db6322935 If you are seriously considering moving right now you need to take action right now and talk to a reputable Real Estate & Mortgage Broker today, please call 281-222-0433 or visit: https://www.zillow.com/lender-profile/BillRappMortgageViking https://www.billrapponline.com/ https://twitter.com/BillRappRE https://caliberhomeloans.com/wrapp https://onlineapp.caliberhomeloans.com/?LoanOfficerId=21493 https://mortgageviking.billrapponline.com https://highcostarea.billrapponline.com https://commercial.billrapponline.com https://doctorvideo.billrapponline.com https://doctorvideo.billrapponline.com https://sba.billrapponline.com/ https://veteransvideo.billrapponline.com https://fha203h.billrapponline.com https://privatemoney.billrapponline.com https://rei-investor.billrapponline.com https://manufacturedhousing.billrapponline.com https://www.youtube.com/channel/UCsF3Rh4Akd1OAOAgTmzgqQg Read the full article

#CommercialMortgageBroker #CommercialRealEstateBroker #CRE #ForSaleinHoustonHeights #HeartfeltandHotInHoustonBlog #HousesforSaleinHouston #HoustonRealEstateNews #MortgageBroker #MortgageViking #SBASpecialist #SunRealtyHouston

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