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Moving? Rent First, Ask Questions Later
Published on - October 5th, 2010 (by J.D. Roth)
This is a guest-post from Tim Ellis, author of Seattle Bubble, a blog and forum dedicated to discussing real estate market conditions in the Seattle area. Tim is a long-time GRS reader. During my last trip to Europe, he shared a controversial article on renting vs. buying.
Given the fact that each year around sixteen million Americans move to a new county, it's likely that at some point in your life you'll find yourself moving to an unfamiliar area.
Starting a new chapter of your life in a fresh locale can be an exciting and memorable time, but it can also be rough on your personal finances. Many of the expenses associated with a major move are unavoidable, but there's one major mistake that is easy to avoid: buying a home immediately upon arriving.
Maybe you're tired of renting and homes are a lot cheaper where you're going, or maybe you own a home in your old city and feel like it would be a financial defeat to go back to renting.
In reality, starting by renting when you move to a new city is anything but defeat. It's actually the smartest decision you can make, both for your sanity and your bank account.
A real world example
In early 2007, a new employee (we'll call him Ben) was hired to my team at work. Fresh from the midwest, Ben and his wife had owned a home in their old city, and were anxious to buy as soon as they moved to Seattle. I urged Ben to hold off, rent for a while, and get to know the area before making that level of commitment, but they decided to buy a home in a quiet suburban neighborhood north of Seattle.
Fast-forward to 2010: Ben and his wife have realized that the quiet suburban life isn't their style. They would rather live closer to the city. Unfortunately, their home has depreciated so much that their entire 20% down payment is gone, and they would likely have to come to the closing table with a check for tens of thousands of dollars to sell their home.
Ben and his wife would like to move to a neighborhood that better suits their lifestyle, but now they're stuck in a neighborhood they don't really like until the housing market recovers.
Avoid the lure of the new-car smell
Everyone understands and accepts that when you buy a new car, it loses twenty percent of its value the moment you drive it off the lot. Buying a home (used or new) is similar. Even if home prices begin to appreciate regularly again, agent fees, excise taxes, staging, seller concessions, and other random costs add up quickly when you try to sell your home, sucking away about ten percent of the sale price.
There really is no way to know what neighborhood will work best for you until you've spent a good amount of time actually living in the area. Consider all the variables at play:
- What's the commute like to your work?
- How convenient is shopping?
- Is there enough entertainment nearby?
- Does the neighborhood feel safe?
- Do you like the neighborhood vibe?
- Are there sources of noise at odd hours?
Wouldn't you prefer to rent for a while and learn the area rather than buy right away only to learn after a few months that you'd rather live across town, but you're stuck for at least a few years (or worse, like Ben) until the value of your home rises enough to offset the selling costs?
Give yourself time to find out what works for you
Don't be tempted to take shortcuts when it comes to a decision as important as where you will live. You might think that you can do sufficient research online or get advice from people who do live in an area so you can make an informed decision from afar. Think again.
View this map in its own window
Above is a little map I made based on a recent forum thread on LinkedIn started by a simple question:
I have some friends who are relocating to the Seattle area. They will be working in downtown Seattle, have kids and about a $650K housing budget. Looking for thoughts on best cities to live in the Seattle area for education, school districts, quality of life, etc. Any ideas would be appreciated!
Each pin on the map represents an answer to this question that was offered by one of the commenters. Believe it or not, the Seattle area is somewhere under that mass of purple. Good luck making any sort of informed decision based on that mess!
The only person that can really know if you'll like living in a given neighborhood is you. Buying a home is a major financial commitment, and rushing into a purchase before you've had time to get to know the area is a recipe for disaster. If you find yourself planning a major move, find a nice rental and take your time learning the ups and downs of your new hometown before you buy a new home. You'll be glad you did.
This article is about House and Home
I really like this post. The advice is not new but the reinforcement and the example are always a good lesson.
We moved to a new location about 2 years ago and even though we like it we should have rented first. We find the location a little far away from the places we need to go. It is not a deal breaker nor it is too much of a pain but if we knew it before we probably we have thought twice before buying the property.
All the best.
When we last did a major move 4000 miles away, we rented as well. I also thought about buying as the housing was so cheap there at the time but were lucky that we didn't because we decided to move home after just another year. I could do that with a month's notice, but if I'd owned a house it would have been different. Had I bought close to work, it wouldn't have turned out well anyway since the company moved their offices just six months after I joined them.
I have a friend whose family has been transferred quite a bit and they always insist upon owning and not renting. I think they've lost upwards of $250k in doing that over the years and having to get out in bad markets – to buy the next house.
This is a great post. When I moved to my current city I was lured into buying because 'everyone was doing it' and real estate was so much cheaper in my new city compared to the last city I had lived in.
While I love where I live I wish I had just waited and I even knew my city well when I was moving here. I do not regret my location, only being so locked into a home that does not meet my changing needs. I think homeownership in general has become completely overrated.
I have actually thought about this quite a bit and while I completely agree with renting first I have had one hang up with this. That is, what do you do if you have kids? I know it is possible to still rent with kids but the idea of moving and putting them in a new school where you are renting and then probably putting them in a new school a year later when you decide where you really want to be is the only hang up I have. I know, I know…kids are resilient and all that but that is the one issue that I feel might make me consider trying to buy right away.
Leslie- we moved quite a bit. We often rented in the best school district without the outrageous price of a house to match. We did not buy until we stayed put.
We then had enough to purchase the house with so much cash – the mortgage was more like a car payment. Sixteen years of renting was worth every penny!
Janette – I totally agree that if you are in a career where you are moving a lot that renting makes complete sense and buying would be crazy. In my situation, we have lived in our house for 13 years. We could potentially be moving to another city about 2 1/2 hours away which is where the corporate headquarters for my husbands company is. I know that no job is completely secure and you never know what is going to happen at any given time. However, it is unlikely that if we moved to this other city that we would be moving for that job again any time soon. What I am saying is that we are already "staying put" more than likely. I agree that you can rent in very good school districts and that is an excellent option. I am just pointing out that in my particular situation that the kids/school thing is the one argument that might sway me to buy early on…
Oh…and I know there is the argument on the other side that if I plan to buy a house and stay in it for a long time (as we have here) that I really NEED to rent first and make sure it is where I want to stay long term. Again…the "moving kids that have just started establishing new friends again" argument can be persuasive for parents.
If we had done this, we would probably have a smaller house in a better school district. (We'd been planning on private school, but their quality has gone down hill since we moved here, so public may be the better option.) Renting is actually more expensive than buying with a 20% down 30 year mortgage in our town so maybe we'll be ok. We'll see when our preschooler is ready for first grade.
Houses don't lose their value in the same way that cars do. It isn't the costs of selling a car that's the problem. http://nicoleandmaggie.wordpress.com/2010/09/27/how-the-used-car-market-is-like-health-insurance/ for an explanation on why cars lose their value as soon as they drive off the lot.
I make major moves so often (it seems like every 3-4 years I'm moving to another state), which is something I really enjoy doing; it never makes sense to me to buy. I was almost lured into it a couple times, or at least seriously entertained the thought, but since the housing crash there is no way I would buy. I don't really own any stuff, I don't want kids, jobs are just jobs to me, and I value mobility. The only house I could see buying would be some secluded cabin out in the woods somewhere by Lake Michigan. When I see all the stuff my landlord has to do to keep my rented house nice, I've got no interest in being a homeowner.
Thank you for this advice. I am planning to move to a new city next year, and have debated about whether to rent or to buy. I've been a homeowner for ten years now and anticipate eventually buying again in my new city. However, I think your advice to start by renting is wise in that I'll be able to figure out the best location for me before I make the long-term commitment. Plus, it will be nice to have a break from yardwork and home maintenance for a while!
I have never moved more than 15 miles or so, so I have not faced such a decision. However, I am sure some people choose to buy because of relocation packages and they may have a ton of stuff that won't fit into a rental.
I do agree with the premise though. It is kind of like how you have to live in a house awhile before you decide what color to paint it and such. You gotta get to know your surroundings before you make a long-term commitment.
Agh, wish I had read this 4 years ago. We bought right away (had been renting an apartment and were so tired of that – but there is a decent number of home rentals available here we could have tried). We now realize our house is too big, our yard is not used as much as we thought (and thus too big), our neighborhood is full of family-size houses but occupied by people whose children are now in college so not many kids our son's age, I don't want to stay in the job we moved for, and making a change is difficult because they are the big employer in town and our house has eaten up our down payment as well as tens of thousands more in lower value.
In sum, heed this advice, especially if you have never owned a home before (and thus are not only unsure about neighborhood, but also home features you will like/dislike) or you are moving to a job you may not love as much once in it.
I also wish I had read this 4 years ago. I moved to the DC area after coming off sea duty in the Navy and I thought it was the perfect time for me to buy. I didn't realize the commitment I was making because home prices always go up anyway, right? I got a lot of things right (love the neighborhood, good commute) but alot of things wrong too (layout of the condo doesn't allow enough natural light, prefer a smaller city like Charleston or Norfolk). Luckily DC did not take as much of a hit home value wise as most locations but still my 40k down payment is gone.
I agree whole-heartedly with this concept, but I also feel it can be further utilized to figure out a great, suitable place to rent.
I've heard a fair amount of "horror stories" about those who did not perform their due-diligence in regards to thoroughly examining the area/ building/ location/ neighborhood of their future rental abode, and were quite dismayed once they they were settled. (Infact, several friends went to the length of subsequently breaking their leases early and took sizeable losses in order to relocate to a more suitable area to preserve their lifestyle and peace-of-mind.)
I feel that when it comes to any type of move (if possible) try and do your best to investigate and learn all you can about your future potential residence & neighborhood BEFORE making any sort of decision; after all, regardless if you rent or buy, you will have to call this place: HOME.
We will be facing this decision in a few months. I don't know how you can move a few states away and NOT rent for at least a few months.
It takes awhile to find a house, and to get the inspections, and closing and all that. You've gotta live somewhere during that time!
The biggest question for us will be: Are we going to seek a month-to-month arrangement (and most likely be in an apartment) or will we go for a year's lease (and find a house to rent?). I want to have flexibility of my move-out date so that when we DO buy, we're able to leave our rental easily.
I know we can negotiate that upfront, so hopefully we'll find something that works.
If you ran this post in early 2007 when Ben first moved, people would have thought you were crazy. You'd have seen responses like "but they can move again in a year and bank the appreciation" or "renting is like throwing money down the toilet"
It's easy to use hindsight to point out what a blunder Ben made, but if he had bailed from his current home just before the bubble burst, we'd all think he was super savvy.
The only thing he can do now is to make his decisions based on today's situation.
18 months ago we moved 200 miles cross country (this is the UK, so that's a fair distance here!) and we rented first and kept our old house and rented that out. Not only did the old house earn 2x the rental on the new one, but we had the chance to get to know the city and look at houses without a rush. It was bad enough trying to find somewhere to rent without living nearby. We ended up buying the house we rented which meant:
1) we saved the agents fees since we approached the landlords directly
2) we lived in the house in all seasons and could figure out what work we need to do (a lot)
3) we sold our old place without the pressure of needing to find a new place to live
4) we had a solid rental income while we looked for work
5) we sold our house when we chose to, and made an extremly good profit on it
All in all, a very good idea for us, although we hated the idea (and reality) of renting after owning.
@Dan53 – I completely agree. My brother and sister are two prime examples of people who did the opposite thing.
My brother got married and moved to Seattle for a job. They bought a house right away. He unfortunately got divorced soon after, and ended up buying out her portion of the house because the house had depreciated so much that selling it would have put him into debt. With his high mortgage, he is really tied to this house and is always looking for roommates.
My sister, husband and child live in the SF area and never bought. They've lived in the same rental for years – an old Victorian where the landlord pretty much lets them do whatever they want to the house. Before the housing market crashed, people used to chastise them for not having equity. Now they seem like geniuses with a great home in one of the best school districts and no debt.
When my husband and I moved to a new state last year I got on forrent.com and craigslist and searched for apartments that were as cheap as possible, would accept a 60 pound dog, and was in a reasonable neighborhood. We secured the minimum 6 month loan as we decided we could always move if the place didn't work. Fast forward to now, and we still live there pretty happily. Rents are going up in our neighborhood to the point where a mortgage would be cheaper when our lease is up.
I completely agree with this article but believe it to be indicative of the changing attitudes we have towards housing. My folks lived in their house for nearly thirty years. People think that a mortgage is easily changeable when it was never designed to be.
Its interesting to note how people who are buying a house to live in spend an exorbitant amount for their home, in comparison to an investor who plans to rent out the home they purchase.
If more people looked at a home purchase as the major financial decision it is, they would look at many more properties and employ more flexibility in other options provided they get their home at the right price. That is a price that allows the house to be rented later and cover the bills.
Just something to consider.
I bought a house in the same county that I grew up in because I enjoy it here. I lived in a small city for a while that was a little bit further commute to work, and decided I still wanted the commute as to not live in the big city where my job is located. I did want to live closer though, and my house is a happy medium.
This is kind of a "duh". Why WOULDN'T you rent first? How can you know the area well enough to buy??? You need to live in the new place a while, learn its neighborhoods and features, before making such a commitment. DON'T WORRY ABOUT YOUR KIDS. If you like the neighborhood where you're renting, if they like the school and friends, you can buy there. IF NOT you're not stuck. Moving is a pain, but so is living in an area that doesn't work for you.
Of course that's not what my parents did, most of the time. They must have been lucky, because they only got burned on a house once.
Some other things to consider:
* You can rent a house. It doesn't have to be an apartment.
* You can even rent a house that you want to buy! Especially in this market, more and more sellers are willing to lease-to-own. A 2-year lease, with an option to buy at the end. That gives them 2 years for the market to recover a bit, and you get to test out the house before you buy it.
* For the parents who are concerned about moving kids again who just made new friends: First off, you're likely not going to be moving them too far, and if nothing else they can go visit after school. Secondly, consider the fact that it may be the school district that you don't like about where you live!
* For the people who really enjoy the responsibilities of home ownership: You can rent a house! See if you can negotiate with the owner to do your own yard work, maintenance, etc. for cheaper rent, or rent credit per job ($20 rent credit every time you mow the lawn, credit to cover receipts for repair supplies plus $x per hour–use your work's hourly rate minus a dollar or so, or do 50% what calling in a company would charge).
For me this isn't about the current market – my parents moved a lot, always bought, and at one point were caught out in a recession owning three homes in two states. People's jobs tend to get volatile at the same time the housing market gets bad for sellers, because the two are linked in obvious ways.
I rented 2 different places in this same neighborhood when I first moved here; the house we have owned for nearly a decade is two blocks from the place we rented and moved out of. When we sell, we'll rent – there's a small chance of making a market mistake, selling and banking the money for a year before buying in a much higher market – but it's not as bad to me as the risk of something going wrong with the closing dates and being temporarily homeless, or stuck with two mortgages.
We wouldn't move to a whole new city until my son is transitioning from elementary to high school (he's at a K-8 school) but we could move to a different house or a different neighborhood in the same school zone – in fact, we really want to.
Excellent advice. I've never understood the concept that renting is "throwing away money." It buys you flexibility, which is exactly what you need when moving to a new and unfamiliar area.
After 10 years of renting, my family is planning to move into a condo this December because we're at a point when we need more stability than flexibility. But this is within the same city, and we'd definitely rent if we needed to move elsewhere!
Renting is definitely not "throwing money away." Your reward might not be very great, and it's a terrible investment. However, renting has a lot less risk to it. If you move into an apartment and it starts to fall apart, it's not your problem. If you move into a new house and the foundation caves in on you, you have yourself a mess.
Rent first… research the area for the best deal… then make an informed decision. Paying a little rent in order to make an informed decision is definitely not throwing money way.
Is the advice the same if you are selling your previous home? At what point does this advice include the taxes on the gains? I'm unfamiliar with this end of real estate. If you switch from owning a home to renting, where should the money be kept so that you can buy again when you have found the right place?
Your arguments make sense, but we're very happy that we bought. When we reached this city we did have about a month living with my family which let us understand which neighborhoods were more or less crime prone, but even if we had rented, 1 month would have been sufficient.
One reason? We wanted to put down roots of both metaphorical and apple-tree varieties. There's not much point planting trees that takes 3 years to really start producing if you're renting, even if your landlord is OK with having fruit trees in his yard.
In our renting experience, renters are viewed as transient by neighbors (unless they are also renters!) and it's much harder to integrate into a neighborhood.
Brent, for most people the capital gains tax is a non-issue because of the $250K capital gains tax exemption on a primary residence.
That's different for people in some big cities or on the coast, but even there I bet it hits a minority – people who bought in the '70s and sold in the recent bubble in a large city probably hit that $250K gain, but people who sell within a decade or so of buying probably won't.
The previous owner of our house made a huge capital gain – sold the house for three times what they paid for it. And yet they still came under the $250K exemption.
I couldn't agree more with this post. My wife and I have thought about moving out of state within the next few years. We agreed that if we do, we will be renting for at least the first year so we can get to know the area.
DH and I rented before we bought our home. We lived in a cute apartment in Chicago's NW side, and it was nice – we got to try city living together without having a mortgage. We saw that it wasn't for us, and so we bought our house in the 'burbs.
One thing I would suggest about renting is to work with a private individual and not get an apartment in a complex. I always had to deal with noisy neighbors leaving trash outside their doors, bad policies and mismanagement, etc. It's a bad way to measure the merits of the overall neighborhood.
This is sage advice and I totally agree with it. That said, I didn't follow it on my last home purchase and got really lucky that it turned out as well as it did. I wanted to buy a vacation property where I would eventually retire, across the continent and in a different country.
We flew in and looked at properties for 5 days, then on the day before we left, bought one. It was just so perfect – we had a checklist and it had everything we wanted on the list, so we felt secure buying it after only looking for a week. It has turned out to be everything we expected. We got lucky.
If Ben had already been a homeowner in his old area, one would have thought he would have already done the emotional toil of determining what kind of neighborhood he wanted to live in, regardless of city.
Because I know myself well enough, I know I would never want to live in a city, but on the outskirts of a small town/suburb (until I finally get my farm, then I'm going country!). I grew up in an area where everything more basic than a grocery store was a 30+ minute drive away (and the nearby one was expensive, so we went to one that was 30 minutes away); I don't really need things to be closer than that.
To me, renting in and of itself is just really attractive at the moment. Aside from the fact that my husband and I aren't ready/prepared to buy a home, when we move from the midwest back home to to the east coast this April…we'll be renting for a few years (at least).
There's no rush to make that commitment. You can have just as much of a "home" in a rented space as well.
This is good advice, but I would add one thought–at least for those who are selling one home to move to a new location.
Don't you have to pay capital gains taxes on the "proceeds" from the sale of your original home if you don't re-invest it in a new home within a certain amount of time? (I think it's one year, isn't it?)
So renting in the new location is certainly a good idea… but so is looking for a shorter lease if possible, so you can make a decision before those capital gains taxes take a big ol' bite out of any nest egg you have from selling a prior home.
I do plan to move to a different country. Lincoln England, actually. They say it's the most less expensive place to live. I believe that I will rent first because isn't it that if renting you are earning back your credit? Well I don't know if that would work in England. But I do know that I would probably change my mind to live in a better part of the town than rather stay where I was when I first move there. But having a bought home, you can actually consider it yours and do whatever changes you want with it. It would be a waste to do that to a rented home or possibly you couldn't even do that. Having a house that has been bought is much more meaningful than just a rented house.
This is excellent advice.
There are far more risks in buying than renting, and it allows for flexibility and reflection later on.
A few years ago we chose to move to a new home, but stayed in our area. Though we debated whether to buy or rent, in the end we decided to rent because we weren't certain about committing, and we didn't want to deal with the hassle or selling down the road. It was the best decision for us at that time.
@Lisa – YES. I think the reason a lot of people are biased against renting is because during the 70s renting was psychologically downgraded to a temporary option. So even middle-class people didn't take care of their property, because they were "just renting."
A couple of years after DH and I moved into our midcentury apartment, an old lady upstairs died. She had lived in the same apartment for 50 years. Her kids grew up there, her husband built his business from there, it was their HOME. And they treated it accordingly.
Our apartment is our HOME. We have furnished and maintained it as such. People shouldn't go into any living situation assuming it's for the short-term, so it doesn't matter if it's crappy; they should always care. It makes for a much more pleasant life.
If you rent before buying, and treat your rental as your HOME, you will have a much better chance of making a rational decision about a home purchase, vs being desperate.
"Ben" here. (Tim, do I really look like a Ben to you?) Ok, from the way the story's told, I totally agree with you. I don't agree with Ben's decisions, either. However, my name is not Ben, and you don't have the whole story. You didn't take into account my individual situation, nor know why I made these decisions.
We actually did rent (on the company's dime) for 4 months until we found a house we liked. During those 4 months, nearly all I did was neighborhood research. You might think, though, that I did bad research, or didn't rent long enough, as I'm looking to move after just 3 years.
We chose to live in that "quiet suburban" location because we were forced to do so. Literally, my wife had to agree to live within a certain area or she wouldn't get the job… which ruled out the city. Also, the city was prohibitively expensive, so we'd be forced to rent there if were to live there anyway.
Renting meant we would have either had to sell a bunch of our belongings or throw everything into a storage unit somewhere – a huge hassle either way. It was a manageable commute, and renting sucks in many ways, so we bought a house. Some might say we should have rented until we were in a better situation, but we can't see the future. People lives change. If you want to own a home, you have to live with the fact that you might have to sell it. Otherwise you'll be too scared of commitment to do anything but rent forever.
We really love the house we found. It fits within our budget. We chose a place as close to the city as her boss would allow. We're twice as close to the city when compared to where we moved from (job limitation again), so it was an improvement. Plus, in 2007 we couldn't afford ANYTHING in the city anyway!
So "fast forwarding", right? My wife got an unexpected transfer to the city. We see an opportunity for a quality of life increase. We no longer are bound by that job, and can probably go down to one car and walk/bus to most places if we move into the city. If we sell now, we lose 20%. However, prices are down for all houses, not just mine. Houses in the city are discounted by 20% too! Suddenly, I realized those houses that were too expensive in 2007 are within our price range. I've crunched the numbers, and this way, against all logic, we save money versus been buying in the city, pre-crash, 3 years ago. (Sorry for the excessive comma usage.) Yes, we'll get smacked on the nose by all those closing costs and agent fees when our current place sells, but people like Tim need to eat too, right?
That said, selling the house is going quite slowly. There are certainly lots of homes to compete against, and I think we should probably choose a different realtor in the spring. Thankfully, we're not upside down and we're not in a situation where we're forced to sell. Honestly, we're still happy where we live, but we see a good opportunity both financially in the long run when the market comes back and short term for a quality of life improvement.
Lots of rambling, but I figured I should speak up. When are you going to finally buy a house, Tim?
We moved from Los Angeles to New England 11 months ago. Despite being eager to buy since we could afford so much more than our 600 sq ft in LA & being pregnant with our 2nd child, we decided to rent. We're just barely starting to get a feel for where we'd consider buying a house (not where we're renting, property taxes are too high & schools to poor). We've decided to rent for an additional year to put us in a better position to buy or just find a new rental since we'll likely be moving again in another 5 years.
This is absolutely the truth. I moved to an entirely new city – with a house I'd bought before I made the actual move waiting for me when I got there. It one of the biggest mistakes I ever made. Despite the fact that my neighbor became my best friend, I disliked the neighborhood overall. Many people were credit and mortgage over-extended and it showed in their unfriendly and pissed off attitudes. The freeway was too close and noisy. The schools were terrible. I would never ever buy a house in a strange city again. Much better to rent and form a strong opinion either way.
Thanks for all the positive comments, everyone!
RE: "Ben" @ 40 –
As I mentioned in an email to "Ben," the reason I stripped out all the personal details and changed the name is that the point wasn't "this guy made a stupid decision" but rather "here's an example of why you should be cautious."
No personal disparagement was intended, and no judgment was being passed. Hindsight is always 20/20.
Sure, I understand what you were doing. I felt like a bit more perspective was needed given it was so obviously written about me. Things are rarely so black and white when you dig into the details. Despite the best research, you simply cannot plan for everything, and I feel people should understand that. Like I said, given the way you told the story, it strikes the point home. However, that "real world example", is not my story.
DH and I bought our house in a new area without having spent much time there. Was it a disaster? In no way shape or form. Would I do it again? I don't think so. Fast forward ten years and I don't think I would pick my current house, but I think it mostly a function of how I have changed (and my family's needs).
DH and I need to move because we both work way too far away. DH has been laid off and found another job in the summer of 2010 which happens to be just a mile from my part-time job. We have consider both buying and renting and I am really not sure of the best approach for this specific situation. It a smaller town than I have ever lived in. But I have worked there ten years and know most of my neighbors in nearly all the places we have considered.
@Leanne #36 – no, there's no requirement to use the capital gains on a home sale for another home anymore.
A single person can make a $250,000 gain – for married people it's $500,000 – completely tax exempt, if it is on a home that is their primary residence.
Here it is straight from the IRS.
"You can exclude up to $250,000 of the gain on the sale of your main home if all of the following are true.
*You meet the ownership test.
*You meet the use test.
*During the 2-year period ending on the date of the sale, you did not exclude gain from the sale of another home.
If you and another person owned the home jointly but file separate returns, each of you can exclude up to $250,000 of gain from the sale of your interest in the home if each of you meets the three conditions just listed.
You may be able to exclude up to $500,000 of the gain on the sale of your main home if you are married and file a joint return and meet the requirements listed in the discussion of the special rules for joint returns, later, under Married Persons."
Good advice. Our move from the Dallas,TX area to Houston,TX in June 2008 went well. I could not convince my wife to rent first. Luckily, we were able to purchase a new house we like and then sell our old house quickly. NONE of which I advise – we had worked hard for over a year to get the old house in shape to sell, and were very very lucky and this was entirely the riskiest order to do things in.
Fannie Mae, the Federal National Mortgage Association was just starting to topple over that summer and if our home hadn't been move-in-ready and if the sale had seen any delay, the sale might have toppled with it and cost us thousands of dollars in holding costs before we could have gotten rid of it.
Our current house is fine, luckily. We even like the neighborhood, mostly. Except for the overly noisy neighbor next door who had a car repossessed Sunday morning. If we were renting this house, we'd be able to escape them if needed. As it is, in a worst case we might have to wait for their house to be foreclosed, sold, and repurchased. Once again, as the owner we would then take the hit to our houses value where as a renter it wouldn't sting as much.
It is still definitely a good idea to keep all the possible problems/disasters possible in a home purchase in mind, financial and otherwise… not just the benefits.
(Did I mention that 2 months after we moved in, we had to evacuate for hurricane Ike? If the worst case storm surge had occurred, the house located 3 miles from the water would have had water up to the first floor ceiling, and likely washed away.)
In 2008 I took a job which I ended up hating in a location I didn't especially like. My coworkers were unhelpful, the work was meaningless to my career, and I was having trouble meeting people in the new city.
Fast forward 2 years to last month when I was offered my dream job less than an hour from where I grew up. I was able to break my lease for less than a months rent and turned in the keys 2 weeks after I accepted the job offer. Had I bought a home it's likely I could have been stuck in a job I hated just so I could wait out the housing market.
A girl I started with at my old job bought a house and is virtually stuck there until the market recovers. Thank goodness I rented!
Kacie said: "It takes awhile to find a house, and to get the inspections, and closing and all that. You've gotta live somewhere during that time!"
Yes, but if your credit is adequate and you are making a reasonable down payment on a house you can truly afford you can do a real estate deal quickly. We closed in 10 days after first seeing the house and started moving in at the end of the three week period between leaving an old job and starting a new job. This was in June 2008, so not todays loan environment, but not the old easy days either.
(See my post above, however, for some of the reasons why this was not at all a good idea. Just because you can do something doesn't make it a good idea! )
Great advice
I love these types of posts that dispel certain myths that we all take for granted.


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Edward Cullen; 29 years old, teacher in Forks High School. He is very good looking, single, every single woman want to be with him. He has not fallen in love with no one. But that all changes when Isabella Swan 16 year old sophomore comes to Forks High. She is incredibly beautiful. The minute she steps into Mr. Cullen's class he immediately falls' in love with Isabella Swan: He becomes very obsessed and possessive with Isabella. He will do whatever it takes to get Isabella to love him as much as he loves her. How far will Edward go to gain Isabella's heart? Who will end up getting hurt? Will Edward end up in jail? Will Isabella ever feel the same for him?
ALL HUMAN!!!! Possessive; obsessed; darkwad Edward.
"Soon love, soon we will be together" Edward Cullen promised and kissed the picture of his lovely Isabella Swan, hugging tight against his chest. After a few minutes he put it back in the desk next to his bed.
Once he was done with his shower he looked at some of the pictures of Isabella hanging on the walls of his house. Pictures of her at the mall with her friends, eating dinner with her dad, even some of her while she took a walk around the park. His whole house was brown, just like her long, wavy hair and big brown eyes. Everything in that house reminded him about his lovely Isabella.
As he walked out the door he kissed the picture of Isabella that was next to the door. "Soon" he whispered and kissed it one last time. It took him a couple of minutes to get to the school. Edward waited inside the car just so he could get a quick look at his love before heading to his class.
"Bella!" someone shouted across the parking lot. Edward looked at the direction Angela Weber screamed. A hug smiled spread across his face once he laid eyes on the most beautiful girl. And with that he got off his car and walked to his class room.
"Good morning Isabella" he spoke as she walked inside his class room.
"G-good morning Mr. C-Cullen" she said. She quickly took her seat; which happens to be the one right in front of his desk.
"How was your weekend?" he asked. He got a little closer to her and brushed his hand across her arm. She shudders.
She heisted for a moment but answer "O-okay" he smiled and walked to the board but whispered "Good"
"Good morning class, I hope you all had a great weekend" Mr. Cullen spoke to his class, but never taking his eyes of Isabella Swan.
Want updates? http://thetwilightsaga.com/profile/Rere994
Views: 6143
Love it keep me posted!!!!
I feel so bad for bella, Edward is such a creep!!!!!!!!!!!!!!!!!!!!!!!!!
update please:)
And awesome job btw.
Chap 14. Isabella
"Bella let's go"
"I'm coming" I and my dad are joining the Cullen's for dinner at this restaurant called 'Bella Italy'
"Why do you take so long?"
"I'm a girl. That is what we do "I laughed "Why is it that we eat with the Cullen's almost every night?"
"We are good friends. I thought you liked the Cullen's?"
"I do is just think it is weird that we always go out with them"
"Well I'm sorry if you don't like it. Maybe next time I will go alone if you would like that?"
"Maybe" I looked out the car window.
"We are so excited to go and see you in the talent show" Esme said as we waited for our food.
"Wait…all of you guys coming?"
"Yes, I hope you don't mind. Edward told us about it" Edward?
"Oh-no that's alright with me"
"So Bella what are you going to be doing?" Alice asked
"I'm going to be dancing with a friend"
"Who's the friend?" Emmet asked.
"He is—"I was cut off by someone saying my name.
"Bella is that you?" I heard Erick's voice. I turn and see him with his family.
"Erick, hi" I got up and hugged him. I could feel Edward's stare.
"Mom, Dad this Bella the girl I was telling you about"
"Oh- hi Mr. and Mrs. Garcia" I hugged each of them.
"It's nice to finally meet you. Erick is always talking about you" I laughed and felt Erick's hand on my waist.
"Bella?" I heard my dad.
"Oh-I would like you to meet my dad Charlie and the Cullen's Carlisle, and his wife Esme, Edward, Emmet, Alice, Rosalie and Jasper Hale" they all said hi. But Edward looked mad.
"Well it was nice meeting all of you"
"You too, and I hope to see you guys tomorrow?"
"We will be their" I hugged them good-bye and Erick kissed my cheek and left with his parents.
"So is that you boyfriend or something?" dad asked me. The rest of them looked at me.
"No he is my friend and he is the same guy I am doing the talents show with" I told them but they still looked at me "We are just friend, honest" they smiled and ate their food.
We have been here for almost an hour and a half. God Emmet knows how to eat.
"Okay let's go" as we walked outside I felt the cold air.
"I cannot believe I left my jacket at home" I said and I saw Edward taking off his Jacket but I felt someone else put a jacket on me. I turn around to see Erick.
"Give this back to me tomorrow" he smiled and kissed my check while he ran to his car.
"Thank-you" I yelled at hm. I turn around to see the Cullen's and my dad looking at me. Edward looked pist off.
"Bella and Erick sitting in a three k-i-s-s-i-n-g. First comes love, then com—"Emmet started to say but got cut off by Rose that slapped him in the back of the head.
"I told you all before we are just friends, that is it and nothing more" I didn't want to tell them that Erick was gay because that was not for me to tell.
"Sure you are" I heard Alice say.
"I'll see you guys at the talent show" I said and hugged them good-bye.
"Is he your boyfriend?" dad asked once we were in the car.
"Daddy…I said it once and I meant it, we are just friends" I smiled at him.
"Is he your boyfriend?" Edward said as I got inside my room.
"What are you doing here?"
"Answer my question…is he you boyfriend?" I looked at him and shook my head no.
"Then why did he give you his jacket?"
"I was cold and he noticed that I did not have one" I walked into my closet and put my shoes where they belong and started to look for clothes so I could sleep.
"Why did you accept it?" he sat in my bed.
"I didn't notice when he put it on me and he ran before I could return it" I said as I graved my towel "I think you should leave now, I need to get ready for bed"
"Okay well I can wait" Edward said as he laid in my bed his hands behind his head.
"Edward leave" that was a big mistake because he got up so fast, that within seconds he had me against the wall.
"Excuse me? What did you just say?"
"Nothing…I mean….I wa-… I'm sorry"
"Love, if you ever and I mean ever talk to me that way again there will be a punishment for you" we just looked at each other "Now go do what you need to do fast because I do not like waiting" he went back to my bed "Now Isabella!"
That is all it took for me to shower, change in to my Pj's fast enough that I think I beat a record if there's even was a record.
"I missed you" Edward said as I made my way into the bed. And the minute I was under the covers he had his hands on me "I love you, Isabella" he kissed me in the cheek "I missed being with you at night" he turn me around to face him as he got on top of me "I really did miss you" I felt his hand go higher up my thigh. 'God please help me'
"Bella?" I heard my name come from the other side of my bed room door.
Alice: http://www.polyvore.com/how_can_love_you_____14/set?id=23306948
Rose: http://www.polyvore.com/how_can_love_you____14/set?id=23307012
Esme: http://www.polyvore.com/how_can_love_you_____14/set?id=23307085
Isabella's: http://www.polyvore.com/how_can_love_you____14/set?id=23307140 &
I like what you wrote on your page. It was wonderful. Keep up the great work twilight saga friend. And i can't wait for your next chapter.
oh help! Edward is suck a creep, hope Charlie comes in and tells him off
What a creep!
Bella, you don't have to put up with it, go to Charlie!
ps. very nicely written I must say
I am enjoying the story.
Best wishes
Love it keep me posted!!!!
Thank you for the update maybe Charlie will catch Edward in Bella 's room...........I hope Edward gets in trouble and not Bella..Edward needs help bad!!!..until you post again
Love it ....update soon
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text:
Store related data on the same vBucket
How can I store a set a related data on the same vBucket?
I know this sounds odd, but my justification for wanting to do this is based on my understanding of the Couchbase architecture. For a given bucket (ex: default) all data is broken up into 1024 vbuckets. These vbuckets are stored on the Couchbase cluster. (If I had three servers, and 12 vbuckets, I could expect the following possible allocation of vbuckets across servers : server1 =>(1,2,3,4) server2=>(5,6,7,8) server3=>(9,10,11,12)).
My concern is that if server 2 dies, and the vbuckets on server 2 are unavailable, then I have (at a high level) 1/3 of all my data missing and no users can use the db reliably. However, if I know that I have a set of keys that, if stored on a given vbucket, could handle all queries for that user in isolation, I now have a 1/3 chance that a given user can't access my db, but 2/3 of my users are unaffected. (Yes, I know replication and rollover can help here). So, what I am wanting to do is for a set of keys, known to the client, store those keys on the same vbucket. I thought I could do this with the master_key parameter in the Php 1.0 Api, but that does not appear to work. The store_by_key in the c api seems to have what I want.
const void* hashkey This alternate hashkey allows a client application to group a set of unique keys together to a given server though the keys themselves may be unique. For example, you may wish to use the hashkey "user" for the two data keys "user:name" and "user:birthdate". Note that not all clients support this option so it may not be interoperable between clients.
How can I access the store_by_key from the Php Api? Would this method give me the funcitonality I am after?
You are correct that the store_by_key, or the way we talk about it amongst ourselves having a 'hashkey' separate from key would be the way to go. The main reason we've not done this to date (other than time/other priorities) is that it makes it a bit more likely that we could end up with unbalanced clusters. Combine that with our strategy for replication and failover, as you point out above, and there is not as much need for it.
At the moment there is no option for this, but if you wanted to try to make the addition to the client we'd be glad to work with you. All of the code for php-ext-couchbase is on github.com/couchbase and patches can be submitted to review.couchbase.org.
How can I access the store_by_key from the Php Api? Would this method give me the funcitonality I am after?
As you can see the php extension uses simplified version of the store command, which doesn't allow to setup common key
But you can open the issue on jira, it will raise chances that such feature will get into nearest release.


text:
(v.) To line up. In computer science, queuing refers to lining up jobs for a computer or device. For example, if you want to print a number of documents, the operating system (or a special print spooler) queues the documents by placing them in a special area called a print buffer or print queue. The printer then pulls the documents off the queue one at a time. Another term for this is print spooling .
The order in which a system executes jobs on a queue depends on the priority system being used. Most commonly, jobs are executed in the same order that they were placed on the queue, but in some schemes certain jobs are given higher priority.
(n.) (1)A group of jobs waiting to be executed.
(2) In programming, a queue is a data structure in which elements are removed in the same order they were entered. This is often referred to as FIFO (first in, first out). In contrast, a stackis a data structure in which elements are removed in the reverse order from which they were entered. This is referred to as LIFO (last in, first out).
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A well-designed app that offers several useful tools, GuitarToolkit is a must-have for any iPhone-toting musician.
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The Samsung TL500 has some drool-worthy specs and shoots great photos, but it stumbles on usability and video quality.
Cool audio products at Macworld 2011
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Expo Notes: Making music at Expo 2011
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Expo Notes: iConnectivity demos iConnectMIDI
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Sorenson Media releases Squeeze 7
Sorenson Squeeze 7 features a trio key new functions: GPU acceleration, adaptive bitrate encoding, and new input and output formats.
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This week's Golden Globes for best motion picture both went to movies that were edited using Apple's Final Cut Studio -- a coup for the company that's still fighting for market share among filmmakers.
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Nik Software will release Silver Efex Pro 2 on February 1. The upgrade to its plug-in for creating black-and-white images using Photoshop, Aperture and Lightroom introduces new features that offer more control over detail, contrast, and tonality.
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By Leanne Aguilera, Hollywood.com Staff
After Spencer's heart-wrenching revelation about Toby on last week's Pretty Little Liars, many fans are wondering the same thing: now what?! PLL is known for its dramatic twists and exhilarating turns, and without a doubt the rest of Season 3 will lead viewers on a rollercoaster ride of emotions and surprises. To help get you prepared for the shocks ahead, Hollywood.com sat down with the pretty little stars Keegan Allen, Troiain Bellisario, and Shay Mitchell to talk flashbacks, A's next move, and the return of Alison DiLaurentis.
In tonight's episode, "Out of the Frying Pan, Into the Inferno," three of the Liars will still be in the dark about Toby's double life. That's right, Spencer keeps her former beau's black hoodie secret but how will this deception affect her typically perfect facade? "A in this second half is really pushing the girls further than they've ever done it before,"" Mitchell says. ""I think one of the girls is really going to have that meltdown quicker and heavier than the other girls do."
Fans should also be prepared to see one of the most helpful (and at times, terrifying) tools used in the teen drama: flashbacks! Bellisario says there will be plenty of trips down memory to show more about life in Rosewood before the DiLaurentis murder devastated the town. "You get to see these amazing sides of the girls that have been shut down,"" she says. ""There's a great scene coming up between Spencer and Allison where you see that actually they're much more like and it's funny, I say like sisters because they share a brother but there is such a connection between them and such a sense of brokenheartedness and fear of the world."
It looks like Spencer is not the only one who is sharing some screen time with our dearly departed Ali. Allen reveals that Toby and Ali have a lot more history than we originally thought. "There was a lot that went on with Alison framing Toby for blinding Jenna, and we kind of get a little glimpse into that time frame that he went missing before the show really started,"" he says.
The actor says he's eager to see how fans will react after seeing the scene. "It's exciting; it's explosive to play these moments. That's one of those moments that not only do I get to hear about it, but I actually get to be a part of it. I got to step into his shoes and go back in time and feel that."
Check out our full interviews with the Pretty Little Liars cast below to learn even more amAzing secrets from the upcoming episodes.
Make sure to tune into Pretty Little Liars tonight at 8 PM on ABC Family!
Follow Leanne on Twitter @LeanneAguilera
[Photo Credit: ABC Family]
'Pretty Little Liars': Keegan Allen and Troian Bellisario on Spencer and Toby's Big Reveal
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text:
By er.gaurav2k11
via kodelog.com
Published: May 13 2013 / 09:31
JavaEE CDI has been around since a while now. Here is a quick go through for those who are new to it. And for someone who wished to dig deep into CDI, I've linked the topics to their sources. Also a quick discussion about can it replace Spring and Google Guice in your current projects?


text:
This course combines two of the most useful less lethal technologies on the duty belt. Using a comprehensive learning and dynamic hands-on curriculum, first-responders will learn to combine the practicality and effectiveness of OC aerosol projectors and a Control Device/PR-24 baton in direct and/or transitional ways for overcoming subject resistance and establish control over them for handcuffing.
This 3-day, highly dynamic relies heavily on practical hands-on applications and is intended for first responders who want instruction in the proper uses of OC aerosol projectors as well as Control Device/PR-24 (expandable or rigid) batons used for self-defense and subject control.
With a format that combines the proven effectiveness of both the Defense Technology® OC Aerosol Projectors and Control Device/PR-24 Instructor-level training, the course offers first responders the skills, information and preparation to meet the challenges of the job and will provide the student with the necessary information to return to his/her agency and, as that agency's instructor, develop and conduct a program that satisfies operational needs in the area of OC and straight baton tactics. The program is taught by leading experts who have real-world experience in both psychomotor skill programs and field applications.
Monadnock® is a widely respected and internationally known name in law-enforcement education. Through the former Monadnock® Police Training Council, standards and procedures are structured to meet contemporary legal challenges. The Control Device/PR-24 baton techniques can be quickly mastered and performed under stress, including the baton-aided, subject-control holds called armlocks. The Control Device/PR-24 curricula are fully researched in terms of tactical, medical and legal consequences and supported by the Safariland Training Group.
The Safariland Training Group trains only law-enforcement officers, military personnel, qualified security personnel and correctional personnel.
All Safariland Training Group courses are available for hosting by your agency. Contact us for information on the requirements and benefits of hosting a course.
Contact Us


text:
834 members Latest Activity: Sep 1, 2013 ROB AND KRISTEN KISSING - PICTURES HERE!! Love rob and kristen? Love robsten? Well join this group, loads of cute pics, and videos!!
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Added Mar 6, 2012
by samandsky
Philadelphia, Pe...
Batwing top with extended cuffs and neckline to enable either off shoulder look or regular fit. Made with a semi- sheer poly satin with large flowers. I also added shark tooth trim for a more feminine feel.
poly satin
Mar 7, 2012, 04.02 PMby Madcinderella
Like it! =D
Mar 7, 2012, 05.07 AMby samandsky
Thank you, yes actually it is based on. the Batwing Top. It is a free pattern that is very easy to work with. I adapted it by extending the sleeves, and adding those great long cuffs. there is a glitch in the system so i could not add to based on section. http://www.burdastyle.com/patterns/batwing-top
Mar 7, 2012, 12.31 AMby milnay3
That's amazing! Did you use a pattern or is this your own design?
Add to Favorites 3 people added it
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text: Table 8_2_8-2b 2009 National Healthcare Quality and Disparities ReportsThe National Healthcare Quality Report (NHQR) is a comprehensive national overview of quality of health care in the United States. It is organized around four dimensions of quality of care: effectiveness, patient safety, timeliness, and patient centeredness. Table 8_2_8.2bPatients with tuberculosis who completed a curative course of treatment within 1 year of initiation of treatment,a by ethnicity, United States, 2005 Non-Hispanic TotalAll racesWhiteBlackHispanic, all racesPopulation groupPercentSEPercentSEPercentSEPercentSEPercentSETotal 82.80.382.90.483.70.883.60.682.50.6Age0–1791.40.991.41.2184.108.40.206.691.41.318–4482.20.582.80.685.51.481.61.081.20.945–6481.90.681.90.783.51.322.214.171.124.465 and over81.60.981.80.982.21.587.51.780.82.1GenderMale82.00.482.50.583.91.082.40.880.70.8Female84.10.583.40.683.51.485.51.085.91.0a Only cases with known age, sex, race, and ethnicity are shown in this table. Since 2004, the calculation of completion of therapy has been changed. Estimates are only for cases completing therapy within 12 months. Standard error was calculated assuming simple random sampling.Key: SE: standard error.Source: Centers for Disease Control and Prevention, National TB Surveillance System. Current as of March 2010 Internet Citation: Table 8_2_8-2b: 2009 National Healthcare Quality and Disparities Reports. March 2010. Agency for Healthcare Research and Quality, Rockville, MD. http://www.ahrq.gov/research/findings/nhqrdr/nhqrdr09/8_respiratorydiseases/T8_2_8-2b.html


text:
Make up turned break upNovember 29,2012Are the Republican senators unreasonable? Or is the secretary of state-manque undiplomatic? Did the senators sandbag Susan Rice? Or did Rice further inflame a tense situation? Is it a case of shooting the messenger and playing politics? Or is national security dangerously infected with politics?
It seems as if it would have been simple enough for Rice to quickly admit that the administration talking points she used on the Sept. 16 Sunday shows about the slaughter in Benghazi were misleading. But she went silent. She has no wartime consigliere and, aside from the presidents angry post-election defense of Rice, the White House perhaps relieved that she was taking the heat rather than the president wasnt running a strong damage control operation that clarified matters.
Still, on last Sundays talk shows, John McCain and Lindsey Graham softened their tone a bit. Shes not the problem, McCain said. The problem is the president of the United States, for failing to swiftly tell Americans what his intelligence agencies had confirmed: that Benghazi was a terrorist attack involving al-Qaida affiliates.
When Rice asked to come to the Hill to meet with some of her Republican critics, it seemed detente was nigh. But somehow the hour-and-a-half powwow caused an escalation, with McCain, Graham and Sen. Kelly Ayotte of New Hampshire emerging to say they had more reservations than before. Sen. Bob Corker of Tennessee, who is scheduled to meet with Rice on Wednesday, suggested that she would be better suited to run the Democratic National Committee than State. If Rice cant soothe the egos of some cranky GOP pols, how would she negotiate with China?
Sen. Susan Collins of Maine, the soft-spoken ranking member on the homeland security committee, hasnt been part of this shrill debate. Though they had met only once or twice, Collins agreed to introduce Rice to the Foreign Relations Committee in 2009 when Rice was nominated as the U.S. ambassador to the U.N. Rices grandparents immigrated from Jamaica to Portland, Maine.
I dont bear any animus to her at all, the senator said. In fact, to the contrary.
But she said she is troubled by Rices role. If I wanted to be secretary of state, Collins observed, I would not go on television and perform what was essentially a political role.
Collins drew up a list of questions to ask Rice at their one-on-one hour-long meeting slated for Wednesday. She wants Rice to explain how she could promote a story with such certitude about a spontaneous demonstration over the anti-Muslim video that was so at odds with the classified information to which the ambassador had access. (It was also at odds with common sense, given that there were al-Qaida sympathizers among the rebel army members that overthrew Moammar Gadhafi with help from the U.S. an intervention advocated by Rice and Islamic extremist training camps in the Benghazi area.)
The FBI interviewed survivors of the attack in Germany and, according to some senators, had done most of the interviews of those on-site by Sept. 15, the day before Rice went on TV, and established that there was no protest. Collins wants to learn if the FBI had failed to communicate that, or if they had communicated it and Rice went ahead anyway?
When Rice heard the president of the Libyan National Congress tell Bob Schieffer on Face the Nation, right before her appearance, that 50 people had been arrested who were either foreign or affiliated with or sympathized with al-Qaida, why did she push back with the video story? Why wouldnt she think what the Libyan president said mattered? Collins wondered.
Why did Rice say on ABC News This Week, that two of the four Americans who were killed were there providing security? Rice was referring to the two ex-Navy SEAL team members who were CIA security officers working on a base about a mile away. They werent there to protect Ambassador Stevens, Collins said. That wasnt their job.
Rice also said that we had a substantial security presence with our personnel which was clearly not the case. Collins wants to know Rices basis for saying on ABC that the attacks were a direct result of a heinous and offensive video. And why did she say a small number of people came to the consulate to protest, when that phrase is not in her talking points? Collins is curious why Rice is not angrier, if, as she insists, she was repeating what she was told. Id be furious at the White House and FBI and intelligence community for destroying my credibility, the senator said.
Collins said that before she would support Rice for secretary of state, she needs to ascertain what was really going on. Did they think admitting that it was an al-Qaida attack would destroy the narrative of Libya being a big success story? Collins asked. As one of the administration champions of intervening in Libya, Rice was surely rooting for that success story herself.
Maureen Dowd is a columnist for The New York Times.MORE IN CommentaryTo judge by his Twitter feed, Don Willett seems like an all-around solid guy: native Texan, proud... Full StoryMy mother used to leave the front door unlocked. Full StoryThe New York Times said the following in an editorial: Full Story
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The Milwaukee Bucks made a deal on the NBA trading deadline day Thursday but it wasn't for Atlanta Hawk forward Josh Smith as was rumored. Instead, General Manager John Hammond sent his 2012 draft class of Tobias Harris and Doron Lamb, along with backup guard Beno Udrih to the Orlando Magic for veteran shooting guard J.J. Redick. The former Duke All American is having his best season, averaging a career high 15.1 points per game. Also coming to Milwaukee is backup guard Ish Smith and forward Gustavo Ayon. The newcomers are expected to be in uniform when the Bucks host the Atlanta Hawks Saturday night.
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Passenger Plane Attack will Push Putin
Holy horrific un-natural disasters! A Malaysian Airlines passenger plane with 295 people was just shot out of the air over eastern Ukraine today killing everyone onboard! The Professor pontificates on how this bizarre attack will be spun in the press, as well as why...Watch plaidcast


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Why sizzling food IPOs could leave you feeling empty
Investors have developed a seemingly bottomless appetite for shares of casual dining restaurants and grocery stores. But will they end up suffering from indigestion?
Yum, yum, yum. Investors have developed a seemingly bottomless appetite for shares of casual dining restaurants based on the recent performance of IPOs from Potbelly (PBPB) and Noodles & Co. (NDLS). The initial stock offerings of grocery chains like Sprouts Farmers Market (SFM) and, earlier this year, Fairway Group Holdings (FWM) have also been snapped up hungrily. The only question that remains is whether they'll end up suffering from indigestion after cramming their portfolios full of these shares.
Why would I want to rain on this particular parade, you might ask? After all, these are solid businesses, sometimes with long-established track records. That's certainly true of Potbelly, a sandwich chain that, founded in 1977, probably is older than many of the investment bankers that put together its IPO. And these are companies that, in contrast to the likes of Twitter, not only have business models that make it clear just how they generate profits, but are already producing those profits. (In Potbelly's case, they amounted to $31.5 million in 2012 and $16.2 million in the first half of 2013.)What is remarkable, however, is how much investors are willing to pay for those profits. After Potbelly's IPO was priced at $14, above the initial target of $10 a share, the stock still soared 120 percent to close its first day of trading at $30.77. By some estimates, that means investors feel quite comfortable paying the equivalent of about $200 for every dollar of earnings that the company is generating.
Noodles & Co. is another well-established business (founded in 1995), designed to appeal to the nation's horde of carbohydrate addicts with their eponymous dishes, and offering amenities that many so-called fast dining chains don't, from china dishes to employees who offer to refill coffee cups so their customers don't have to. Profits at Noodles & Co. grew 61 percent in 2011 and 34.8 percent last year. But if you bought the stock, you'd be paying $300 to $400 for every dollar of earnings. (As with any price/earnings ratio calculation, the actual number depends on what earnings figure you use: historical earnings, a calendar year, a trailing 12-month period, etc.)
Let's be clear: These are lavish valuations for companies whose business is preparing and dishing up such mundane fare as sandwiches and stir-fried noodles. For some context, let's look at the valuation of Starbucks (SBUX) – which, whatever you think of the caliber of its coffee, can be said to have popularized the idea of the barista and custom-brewed java and thus transformed the American urban experience. If you glance back over the company's history, there are only a couple of times that Starbucks's P/E ratio has topped 100, most recently when its earnings faltered during the last recession.
Some might contend that I'm understating the power of a brand. No, I'm not. Here I'll defer to investment manager Jeffrey Gundlach, who honed his skeptical instincts as a bond market investor. "A gourmet burrito is an oxymoron," the exasperated Gundlach told listeners at last May's Ira Sohn conference (a showcase for hedge fund managers to pitch their best long and short ideas). Gundlach, explaining his bearish view on Chipotle Mexican Grill (CMG), argued that "all you need to compete with its core business is a taco truck."
And the business of taco trucks – and other food trucks – is booming. Recent research by London-based Companies and Markets suggests that "street food" as a whole – a segment of the market made up almost exclusively of food trucks – is now worth $11.6 billion in the United States and has outperformed the traditional fast dining establishments. These are low-cost businesses to launch and operate, often run by savvy entrepreneurs who use social networking to spread the word about where they'll be parked this lunch hour. (In many cities, you can track your favorites on Twitter.)
Even if the consumer fascination with this phenomenon fades and the hectic recent growth rates subsides, as Companies and Markets predicts, food trucks will remain a source of competition for the likes of Chipotle Mexican Grill and Potbelly. A recent study by NPD, a market research firm in Port Washington, NY, found that customers who purchased meals from food trucks said they would otherwise have dropped by at a fast food chain or quick dining restaurant like Chipotle. And food truck menus – heavy on Mexican food, sandwiches, soups, Korean or Chinese dumplings and noodle items – tend to compete directly with this universe of offerings from Potbelly and its quick service kin. So-called fast casual dining may be growing far more rapidly than restaurant chains as a whole, but it's also a business with a relatively low competitive moat and an entirely new source of competition.
None of this suggests that Potbelly, Noodles & Co. and their peers are doomed. But, IPO fever aside, the odds that new fast casual restaurant chains will be able to replicate the performance of Chipotle Mexican Grill (up 54 percent in the last year; 141.8 percent in the last three years) aren't all that impressive. For quite a while, Chipotle was one of the only ways investors could play this business directly, along with Panera Bread (PNRA). The ranks have now doubled, and rumors are rife of more IPOs (Cheddar's Casual Café is one name that gets tossed around a lot) from within the sector.
As an IPO candidate, Twitter has its own issues. But it's not offering a commoditized product in an increasingly crowded market, and when it goes public it will be one of a kind (despite the frequent comparisons to Facebook.) In contrast, you might want to ponder the references in Noodles & Co's IPO filing that the SEC had to insist it remove, citing its "luxurious dishes," "excellent service" and "surprisingly friendly people." Whenever the first draft of an S-1 filing starts sounding eerily like an advertisement, and the stock itself is trading at hundreds of times its earnings, it might be time to step away from the table.
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[BRIEFING.COM] The stock market finished an upbeat week on a mixed note. The S&P 500 shed less than a point, ending the week higher by 1.3%, while the Dow Jones Industrial Average (+0.1%) cemented a 1.7% advance for the week. High-beta names underperformed, which weighed on the Nasdaq Composite (-0.3%) and the Russell 2000 (-1.3%).
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Podcast: Put Your Hands Together. Episode 7. Jackie Kashian, John Roy, Gabe Liedman, Kate Berlant, and Caitlin Gill (SF). Hosted by Cameron Esposito. Download Link:
Here. iTunes: Here.
[Caitlin is on last and it is wondrous]
Tags: Put Your Hands Together podcast comedy los angeles UCB Theater UCB bay area sf san francisco Jackie Kashian John Roy Gabe Liedman Kate Berlant caitlin gill Cameron Esposito maria bamford nick thune oakland
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Magna 17" Party Size Marine Kettle
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Appeal a Decision Regarding Your Ticket
Appeal a Decision Made Regarding Your Ticket
If you wish to appeal a hearing examiner's decision, you must file an appeal with the Traffic Adjudication Appeals Board. Detailed instructions on how to file an appeal are outlined on the Appeals Application [PDF].
Decision(s) That Can Be Appealed
Any final decision by a hearing examiner can be appealed. This includes parking, photo enforcement, minor moving violation tickets, the suspension or revocation of your driver license and the denial of your Motion to Vacate Judgment.
When to File an Appeal
If your hearing was in person, DMV must receive your appeal within 15 calendar days of the hearing date. If your case was adjudicated by mail, DMV must receive your appeal within 18 calendar days of the postmark date of the decision letter.
How to File an Appeal
To file an appeal you must first complete the Appeals Application [PDF]. You must pay the ticket fine and any penalties and a $10 appeal fee for each ticket appealed. If you are appealing a minor moving violation ticket, you must also pay a $50 transcript deposit fee. Note: If the deposit does not cover the cost of the transcript, you will be billed the additional amount. If the deposit fee is more than the cost of the transcript, you will be reimbursed the difference. The Appeals Board considers the ticket, testimony, evidence presented at the original hearing and the hearing transcript. There are no personal appearances before the Appeals Board. You also cannot submit additional documentation or evidence which was not presented at the original hearing.
If You Win Your Case on Appeal
If the Board reverses the Hearing Examiner's decision, all fines, penalties, and fees are refunded to you.
How to Appeal Decision of theTraffic Adjudication Appeals Board
DC Official Code Section 50-2304.05 provides that you may appeal a decision from the Traffic Adjudication Appeals Board (TAAB) by filing an application for an appeal in the Superior Court of the District of Columbia. The application for appeal must be filed within thirty (30) days of the TAAB decision. Submit the appeal form to the office of the Civil Clerk:
500 Indiana Avenue, N.W.
Room 5000
Washington, D.C. 20001


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BioShock PS3 Officially Dated for OctoberPublisher 2K Games today announced that 2K Boston and 2K Australia's hit shooter BioShock will soon make its way to the PlayStation 3. The company also released a lonely pair of screenshots from the PS3 port.
last week. The real news is the fresh release window: October 2008.
"Over the coming months we look forward to revealing the new features and content that will make this a must-have game for its new audience, as well as for those who enjoyed it on the other platforms," said 2k Games president Christoph Hartmann.
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The theory that the mass extinction that involved the dinosaurs and many other living things was caused by the impact of a large asteroid on the Earth sixty-five million years ago.
Note: The hypothesis is named after the father-and-son team of scientists Luis and Walter Alvarez, who first suggested it.
Note: Evidence indicates that the asteroid fell in the Yucatan peninsula.
Dictionary.com presents 366 FAQs, incorporating some of the frequently asked questions from the past with newer queries.


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Hamidreza Nassery , DMD, FICOI, FAGD
Hamidreza Nassery , DMD, FICOI, FAGD
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Jaw like a Plane?
Jun 18, 2013
Neck pain
Jaw like a plane?
Head and neck pain and discomfort can run a wide range, being a simple nag to severe radiating pain. These pains can be different from day to day, side to side, or up and down. These variations can cause much confusion for all as to where they stem from and how to fix them.
In my practice I see many head and neck and myofacial pain patients who had thought that the pain might have been migraines; sinus and or tension headaches and so on. Most of these sufferers have been seeking medical advice for many years, actually decades in most cases. Most often for a large number of them x-rays, MRI's and CAT Scans report nothing wrong. Since there is no definitive diagnosis, there is no treatment other than medications. As a matter of fact, there is a whole industry banking and betting on these patients accepting that they are going to be miserable all their life and continue to take these meds as their only relief. It is also my observation in meeting with these patients that they feel they are not being listened to or believed by their families, friends and doctors.
Now here comes the jaw. The jaw is attached to our head by a set of intricate and complex muscles. Under certain conditions, these muscles can cause all the symptoms mentioned earlier. However a properly trained dentist can recognize this and help relieve and dissolve these pains.
To better explain the above, I will use an analogy once used by one of my mentors to describe the action:
The closing of the jaw is much like landing an airplane. When landing a plane, the pilot must control three movements, the angle or the steepness of the approach, the straightness of the approach and the evenness of right to left. So basically if the angle is too steep, the nose will damage, or if it's too high the tail can drag and break. If the approach is not straight, meaning it's sideways and the head is one direction and the tail is another, who knows what happens. Finally, if one side hits before another it can also cause much damage and destroy the plane. In pilot lingo these movements are called Pitch, Roll, and Yaw. Luckily there are sophisticated electronic instruments that handle all these today.
The Jaw can also have Pitch, Roll, and Yaw. As the lower jaw moves towards the upper and the teeth proximate for "landing", the same rules apply. If the brain perceives that there are inaccuracies in the way teeth will come together, it will activate certain muscles to pull the jaw in any which way required to bring the teeth together or "land" them just perfectly. Most of us can accommodate these movements and lord knows we need to. Orthodontic research has shown us that for the past 250-300 years our teeth have not exactly come out in the correct position. Current estimates tell us that less than only 3% of us have our teeth naturally in the correct place. Our muscles and jaw joints have had to make the accommodation for our teeth to come together. Multiply this oral gymnastic by many years and you will have some very over worked and unhappy muscles. Muscles that can go into spasm and cause many of the symptoms mentioned before.
With the use of specialized technology and proper training, some dentists can accurately measure good or bad activity of major muscles that open and close the mouth. This computerized technology tracks your jaw and muscle activity at the same time. The dentist looks for a jaw position where the muscles are happiest. We can then record and capture the position using specialized materials, and from that fabricate an appliance that fits over the lower teeth. This appliance, or as we call it "orthotic", will mimic a good bite or if you want to call it a "good landing". This will allow muscles to stay happy and as we all know happy muscles don't cause headaches and neck pains.
The modality of treatment described above is called "Neuromuscular Dentistry" and it is fascinating to watch and experience as it helps people have healthier lives and their well-being improve.
Hamid Nassery, DMD, FICOI, FAGD is a practicing dentist at Real Smile Dental Spa located in Miami Beach, Florida. For more information you can call the office at 305.672.4444 or visit our website at
Post a Comment
The only problem as I have found out with these orthotics (I'm on my third one) is that since you can't eat with them - there is never a complete deduction in pain and spasms.
Hamidreza Nassery , DMD, FICOI, FAGD
I have seen your comments before.. It makes me think that your orthotic is not properly made.. when done correctly you should feel better eating with them than not.Tell me where you are and I'll try and find you a GNM trained dentist.. there is a difference in training.
Look up occlusionCConnections.com and read about and find dentists that have been trained by Dr. Chan. You will find your solution..
Best regards.
H.Nassery, DMD
Hamidreza Nassery , DMD, FICOI, FAGD
But you aren't suppose to eat with the orthotic .... doesn't that wear them out very quickly? It feels awesome when I keep it in if I'm eating yogurt or something but eating chicken or other meals I obviously must take it out and that is where the problem is.
I have a very good dentist - I'm starting to frustrate him because I am his only patient that hasn't improved greatly with his orthotics, I was given his name from someone here .... Dr. Curtis Westersund in Calgary, Alberta. The greatest problem with me is that the jaw surgery I had also messed up my alignment in the neck and since then (almost 3 years ago) I have not been able to hold my C1 alignment from a NUCCA chiro for more than 20 minutes. Thus, when we do all the scans and such for the bite guard I'm not in my true position. We tried bringing the NUCCA chiro to the office and adjusting me during the scans - I was adjusted 4 times in 2 1/2 hours and still didn't work 100%.
I've now seen a craniosacral therapist every week since October and we are making some process, my misalignament is now down from off the chart with a 9-10 degree left lean to only a 2-4 degree left lean (still not holding alignments though). The most postiive part is the appointment to make my third bite guard - I DID NOT hurt after the hour of the tens machine!! I seriously use to drive home crying because my jaw hurt so much after and this time there was no pain meds on board and still no pain. Unfortunately with the current flooding in Calgary I think it will be a couple of months before I recieve my guard because my office is downtown and the building has major flooding on the main floor (likely dentist is on the second floor). We had to do all the scans with my old bite guard in and make the molds off of that so there is an extra step involved to mounting it before the guard is made.
I am very optimistic for the new bite guard and maybe (finally) we got the bite correct. :) I do love reading your articles and keep up the good work!
Hamidreza Nassery , DMD, FICOI, FAGD
Great , I know Curtis. However, I am not sure who told you not to eat with your orthotic.. Personally, I have been wearing my orthotic for 7 years and have always eaten with it.. and yes I have to resurface every 1 1/2 year but that is exactly why you are not holding your adjustment.. Think about it, when you eat is when you are really using your muscles of mastication, its like taking a step forward and one back.. you'll never move on.. you should feel more comfortable with it than without it eating...There are some patients that can get away with that type of usage, but those are marginal patients with milder symptoms, you don;t sound like one of those....with patients like you I almost rather bond my orthotic over the teeth so they can't remove it..that is the only time you can truly say whether it really worked or not.. hope this helps and all the best to you.
H.Nassery, DMD, FICOI, FAGD
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WASHINGTON, DC (WSAU) Everybody seems to like it when two teams from the same conference meet in the NCAA tournament with a Final Four slot up for grabs – everybody but the coaches.
When Marquette takes on Syracuse today it will be the ninth time that has happened in a regional final. The problem? The sides know each other too well. Golden Eagle coach Buzz Williams says simply – he doesn't want to play the Orange.
Marquette won the only game between the two this year, 74-71. It was the one time they met because the Big East had an unbalanced schedule because it's a 15-team league.
Tipoff for the East Regional contest is 3:30 p.m. Central Daylight Time.


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Started out of a parent's basement in Breck by three guys who previously toiled for a snowboard mag, Five Points-based COA is just now dropping their largest-ever release of streetwear, which's unsurprisingly influenced by snow/skate culture, but not Snowskate culture, as then the clothes would just constantly fall down. The cut-and-sew goodness is all screen printed by the dudes themselves, and includes designs like "Words Will Never Hurt Me" depicting a guy aiming an AK-47 made entirely of words at a blindfolded victim, a Neighborhood watch crest (also available as a hoody or crew neck) with their company mascot (a stick figure head on a suit), and the initials "COA" with a bonsai-type tree and tiny martial artists dubbed "Ninja Practice" — also an after-school activity where the orange slicing is actually sort of the main event.
Other newness includes a DJ AMPLIVE collab tee with a pic of the Bay Area-musician within the word "company", and "We Play For Keeps" with two business types shaking hands; plus, they've still got some stock from their last drop, like one with the suited mascot blending into white stripes dubbed the "Diagonal", which is also the approach Elton John used to climb straight to the top of the charts.


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Sometimes it's easy to forget the little things in life that really add up and make us happy. It can be as simple as a cup of coffee in the morning or watching a movie on a rainy day.
Now, a new survey out of Great Britain finds many of the best things in life, really are free!
The survey was done by Ordnance Survey, the UK's mapping agency, and 2,000 Brits responded. Here is the top five:
Alcohol was number 10 on the list, followed by coffee, which is 11. Besides cuddling, there were a few other love-related favorite things. Hearing "I love you" from someone was number seven, hearing the same phrase from a child was number 20 and first kisses was number 33. Besides booking a holiday, several travel items made it on the list too. A day at the beach was number 13, according to the survey, and getting off a plane into hot weather was number 30.
Read the full study here. Many readers in the comments section also added their own lists. For example, "Miss Kitty" from Glasgow wrote, "The smell of freshly cut grass, of wood smoke ... freshly baked bread.
A local Philadelphia filmmaker also looked at this question. Here are some of the answers that he got. People in the Philadelphia are cited diverse things like listening to Chopin and listening to Barry Manilow.
Join FOX 29's Mike Jerrick and the Good Day Philadelphia team for a tasty night of yummy treats benefiting local youth.
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