Each year in the UK, around one million people attend Accident and Emergency departments as a result of a head injury. Approximately 13% of these injuries affect the brain so severely, the injured person has to be admitted to hospital. Some injured persons will experience a major long-term impact on their physical, cognitive and communication abilities, which can last for the rest of their lives.
While money goes a long way to help a person who has sustained a brain injury, it is not the only help available. Our specialist brain injury claims lawyers have access to a range of support and rehabilitation services that are invaluable for helping you or your loved ones improve your recovery.
What are the different types of brain injury claims?
Brain injuries are classified as traumatic or non-traumatic. A traumatic injury occurs when you suffer a blow to the head so severe, the brain bleeds or moves around inside the skull. Car crashes, coming off a bike, motorbike or horse, hitting your head while falling, or having an object dropped on you from height are leading causes of traumatic brain injury.
A non-traumatic brain injury occurs whenever an illness or medical condition affects the brain. Illnesses such as meningitis, brain tumours, hypoxia (shortage of oxygen to the brain) and certain metabolic illnesses are known to cause non-traumatic brain injury.
Whatever the type of brain injury, the effects are often far reaching. Serious brain injuries can permanently damage the brain, making it difficult for the injured person speak, take decisions, remember things, and carry out day-to-day activities. Family and friends are often left to support their loved ones who may not be able to live as independently as they did before.
Can you claim compensation for brain injuries?
The short answer is yes, you can claim compensation, as long as you can prove that someone else was responsible for the accident, and that the accident caused your injuries.
Even if the injury was partly your fault, you may still be able to make a claim for compensation. This situation often arises in road traffic accidents, for example, where the innocent driver sustains injuries that are more serious than expected because he failed to wear a seatbelt. The other driver would not be 100% responsible for your injuries in this scenario, and it is likely that the Courts would reduce your damages to reflect the part you played in the accident. But even if your compensation was reduced by 25%, you would still receive 75% of your damages.
The law can be complex on the issue of partial responsibility, so you should always seek advice from a specialist brain injury claims solicitor.
Who do you sue in brain injury claims?
The claim will be brought against the person who was responsible for your accident, although in practice it is usually the Defendant's insurance company who negotiates and settles the claim.
The identity of the responsible person depends on the type of accident you have sustained.
Employers are responsible for keeping their employees safe in the workplace. If you are injured in the course of your work duties, then the claim will be brought against your employer.
Your claim is brought against the driver of the vehicle you collided with, although it will be the car insurer who handles the claim. If the negligent driver did not have insurance, or if they cannot be traced, then it is usually possible to claim compensation from the Motor Insurer's Bureau. MIB will investigate your claim and you will have to prove your entitlement to damages in the usual way.
It is important to note that a civil claim for personal injuries is quite separate to any criminal investigation conducted by the police. However, if the at-fault driver is convicted of a criminal offence such as dangerous driving, this will help you to prove that the driver was negligent, and therefore liable to pay damages for your brain injury.
Local authorities and other public bodies are responsible for maintaining their streets and buildings and keeping them safe for the visiting public. If you slip, trip or fall in a public place, then the claim will be brought against the authority who is responsible for maintaining it.
If you have been injured in a violent attack or assault, then a claim may be brought to the Criminal Injuries Compensation Authority (CICA). CICA was set up specifically to compensate the innocent victims of violent crime. You will have to prove your claim to CICA and recover compensation in the usual way, so help should be obtained from a solicitor experienced in brain injury claims through CICA.
Surgical errors, birth asphyxiation, overdoses of medication, misdiagnoses and delayed treatment can all cause brain injuries or make existing brain injuries worse. If you have been harmed by substandard medical treatment, then your claim would be pursued against the GP, private doctor, or the NHS Trust responsible for the hospital that delivered the unacceptable treatment.
Medical negligence claims are especially complex, so it is important that you seek advice from a solicitor who specialises in these types of claims.
Will I receive help during my rehabilitation?
If you receive a brain injury, then it is likely that you will require hospital and outpatient care. Accessing the appropriate services in a timely manner can make a significant difference to your rehabilitation. It is vital that you receive the right kind of care to give you the best chance of recovering from your brain injury.
At The Compensation Experts, we aim to give you plenty of support as you move positively towards recovery and play a proactive role in helping you to access the services you need. Assuming the Defendant admits liability, we will try to secure early payments in advance of your compensation. Interim payments can be used to pay for your therapy, disability equipment, personal care and housing while your claim is ongoing. At the end of the claim, the interim payments you have received will be deducted from your final compensation award.
If we cannot secure interim payments, perhaps because the other side is disputing liability, then we will help you to get support from other bodies. You may be entitled to welfare benefits or grants from the local authority for home adaptations, and we will work hard to make sure you get the support to which you are entitled.
How much compensation will I receive for a brain injury claim?
If you claim is successful, you will be awarded compensation for your injuries. Personal injury compensation is known as "damages." The aim of damages is to put you back in the position you would have been in, had the injury not occurred.
General damages compensate you for your actual injuries and are often referred to as "pain and suffering" damages. The amount of compensation you receive will depend on the seriousness of your brain injury and the impact it has on your work, social and family life.
Very severe brain damage: £214,350 to £307,000.
The cost of professionally managing your financial affairs if your injuries are such that you are not able to do this for yourself.
Many people who sustain brain injuries will require care and support in the long term, and sometimes for the rest of their lives. For these Claimants, the award for special damages can be significant and generally will make up the largest part of the compensation settlement.
Is there a time limit for brain injury claims?
There is a strict three-year time limit for personal injury claims. The Court can stop you making a claim if you are out of time. If the injured person is a child under the age of 18, then a claim may be brought at any time until the child's 21st birthday.
Significantly, the three-year rule does not apply to "protected parties." A protected party is someone who lacks the mental capacity to make their own claim, perhaps due to a very serious brain injury. When the injured person is protected, the three-year limitation period does not start running until the protected party is once again able to manage their own affairs. In practical terms, this means that a family member can claim on behalf of a protected loved one many years after the accident.
This is not a reason to delay making the claim, however. Your case turns on the evidence, which degrades over time. Your claim stands a better chance of success if your solicitor can speak to witnesses while their memories are still fresh.
The Court of Protection is a special court that protects the legal and financial interests of those who are unable to look after their own affairs, which is a common consequence of brain injury. If you are making a legal claim on behalf of a protected party, then the Court of Protection will approve any settlement agreement to make sure that it is in the best interests of the injured person. The settlement cannot be finalised until the Court of Protection has approved it.
After the settlement, the Court of Protection will manage the injured person's finances and will appoint a Deputy to do this on the Court's behalf. Often, the Deputy can be a family member. In complex cases involving larger sums of money, the Court may insist that a professional person such as an accountant or solicitor is appointed as Deputy.
We can give you further information about the Court of Protection and the management of your future finances if they are likely to have a role in your case.
If you have suffered a brain injury, it is essential that you consult a solicitor who is experienced in dealing with similar cases. Our specialist panel of brain injury claims lawyers have a proven track record with brain injury claims and have access to an extensive register of medical experts who can help you get the maximum compensation for your injuries.
To find out whether you are eligible to make a claim for compensation, simply telephone our expert advisors. We offer a free initial consultation to answer your questions and discuss the details of our No Win, No Fee funding arrangement. Brain injury claims have strict time limitations, so please get in touch today.


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The Nikean Foundation. Jack Patrick Dorsey (born November 19, 1976) is an American technology entrepreneur and He came up with the idea that he developed as Twitter while studying at NYU. Dorsey gives advice in a chapter of Tim Ferriss' book Tools o 19 Jan 2017 He's also an angel investor whose portfolio boasts companies like Uber, Facebook, Twitter and many more. So how does someone famous for 27 Feb 2020 How would anyone out there do COVID- 19 threat assessment Tim FerrissTim is an early-stage investor and author of five #1 New York Times bestsellers. He hosts the popular podcast The Tim Ferriss Show. "Peter Attia is View more on Timothy Ferriss's website » · 1 like · Like • 0 I planned on responding on Twitter, but it got long and Twitter wouldn't let me. I also realized that the 27 Mar 2011 Ferris attributes much of that success to timing.
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Sep 05, 2011 · A few months ago, Timothy Ferriss, a self-help author, threw himself a party in San Francisco, where he lives. Officially, it was not a celebration for his most recent book, "The 4-Hour Body: An
Keep in mind that the only thing most people really care about is the score on the board. 1.1m Followers, 321 Following, 1,475 Posts - See Instagram photos and videos from Tim Ferriss (@timferriss) Tim Ferriss, Austin, Texas.
Tim Ferriss's 4-Hour Workweek and Lifestyle Design Blog. Tim is an author of 5 #1 NYT/WSJ bestsellers, investor (FB, Uber, Twitter, 50+ more), and host of The Tim Ferriss Show podcast (400M+ downloads) Apr 02, 2013 · Tim Ferriss wants me to know that pigs have an extremely high feed conversion ratio, or FCR. They grow fast.
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Ferriss has written five books, The 4-Hour Workweek (2007, expanded edition 2009), The 4-Hour Body (2010), The 4-Hour Chef (2012), Tools of Titans (2016), and Tribe of Mentors (2017). Television. In December 2013,The Tim Ferriss Experiment debuted on HLN. The series focused on Ferriss' life hacking and speed learning methods. Apr 09, 2020 Jan 17, 2019 May 07, 2020 Tim Ferriss, Austin, Texas. 950,912 likes · 7,245 talking about this. Author of 5 #1 NYT/WSJ bestsellers, investor (FB, Uber, Twitter, 50+ more: 1.1m Followers, 321 Following, 1,475 Posts - See Instagram photos and videos from Tim Ferriss (@timferriss) View Tim Ferriss' profile on AngelList, the startup and tech network - Angel - Austin - Early: Uber, FB, Twitter, Alibaba, Shopify, Duolingo, etc. Podcast: 500M+ downloads.
I was one of the many people whose life was changed by Tim Ferriss and his book, The 4-Hour Workweek. While I work far more hours than four each week, Tim's book inspired me to Sep 05, 2011 · A few months ago, Timothy Ferriss, a self-help author, threw himself a party in San Francisco, where he lives. Officially, it was not a celebration for his most recent book, "The 4-Hour Body: An May 18, 2018 · Since the success of The 4-Hour Workweek, I've been able to see some of the worst e-mail pitches out there.. Here is an example of how to do it properly, with 5 tips and good template phrases Mar 02, 2020 · Among them are Facebook, Twitter, TikTok, Amazon Studios, chip-maker Intel, tech news website Mashable and the video streaming site Vevo, according to reports. Investor Tim Ferriss, Dec 21, 2020 · Author and Podcaster: Tim Ferriss : How I Built This with Guy Raz By the time he turned 30, Tim Ferriss had figured out how to succeed at things that many people fail at—from growing a business Feb 21, 2019 · I replicated Twitter and Square CEO Jack Dorsey's morning routine for a week in New York City. In addition to his commute — 5.3 miles, on foot — I woke up at 5 a.m.
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The latest tweets from @timferriss The latest tweets from @TimFerrissBlog The latest tweets from @TFERRISS The latest tweets from @COVID19Tracking The latest tweets from @mercola Tim Ferriss, Austin, Texas. 950,912 likes · 7,245 talking about this. Author of 5 #1 NYT/WSJ bestsellers, investor (FB, Uber, Twitter, 50+ more: On March 3, Tim Ferriss, Amazon Studios, TikTok, Facebook and Twitter have all pulled out of the festival, which is scheduled — for now — to begin March 13. Image. This virus is bad but the panic and fear that is being mustered around it will be absolutely devastating and do a significant amount more damage than the actual virus itself. 3% of people will die because they are old and exposed to this virus but countless people will lose their jobs and their families will be hurtled into poverty which will likely take generations to recover from. Ferriss has written five books, The 4-Hour Workweek (2007, expanded edition 2009), The 4-Hour Body (2010), The 4-Hour Chef (2012), Tools of Titans (2016), and Tribe of Mentors (2017).
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Author of 5 #1 NYT/WSJ bestsellers, investor (FB, Uber, Twitter, 50+ more: On March 3, Tim Ferriss, Amazon Studios, TikTok, Facebook and Twitter have all pulled out of the festival, which is scheduled — for now — to begin March 13.
View Tim Ferriss' profile on AngelList, the startup and tech network - Angel - Austin - Early: Uber, FB, Twitter, Alibaba, Shopify, Duolingo, etc. Podcast: 500M+ downloads. 5 #1 NYT/WSJ
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We're watching a pair of Balinese pig farmers wrestle a giant seven-month-old pig into Jul 22, 2020 · You might reasonably suspect that Tim Ferriss is having the most productive quarantine of all time. After all, his first book—The 4-Hour Work Week—was, in his words, "a toolkit for Show The Tim Ferriss Show, Ep #484: Daniel Ek, CEO of Spotify — Habits, Systems and Mental Models for Top Performance - Dec 3, 2020 Daniel Ek, CEO of Spotify — Habits, Systems and Mental Models for Top Performance | Brought to you by Headspace easy-to-use app with guided meditations, Literati subscription book club, and Wealthfront In the last half year, my life was turned upside down. Corona was the shock that I needed to start acting. Thanks to Ryan and David Perell, who inspired me to do this. I hope to do this every… Mar 04, 2021 · Show The Tim Ferriss Show, Ep #503: Walter Isaacson on CRISPR, Jennifer Doudna, Gene Editing, and the Future of the Human Race - Mar 4, 2021 Oct 05, 2017 · But Tim Ferriss is more than his 4-hour series, a true set of unicorns in the self-help genre, and he didn't just trip across his success. Instead, he dedicated himself to the principle of being a May 04, 2015 · In other words, the Tim Ferriss Experiment is a full contact investigation into the outer possibilities of accelerated learning. The goal, as Tim explained to me in a recent conversation, was Jul 09, 2020 · Tools of Titans is a short-form podcast series from Tim Ferriss, one of Fast Company's "Most Innovative Business People" and an early-stage investor/advisor in Uber, Facebook, Twitter, Shopify, Duolingo, Alibaba, and 50+ other companies.

redpajama_set_name: RedPajamaCommonCrawl


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redpajama_set_name: RedPajamaGithub


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If there is any single statement I could make about the Hoboken condo market it is this – Hoboken condos are simply not selling. For the month of February 2009 we have hit a new low of 18 condo sales (on the MLS) for the entire month. Since I started tracking these stats in 2000, the next slowest month for sales was back in February of 2001 when there were 24 sales.
The corollary to this is that inventory continues to pile up. We have over 500 condo units listed on the MLS for sale in Hoboken. It was just in the beginning of 2008 when that number was closer to 150. The huge spike in inventory, not surprisingly, occurred around September of this year. The trend shows no signs of abating.
What does this mean? It's pretty simple. Buyers are scared. They are staying out of the market or they are making offers lower than sellers are willing to accept. Sellers are still pricing their properties way too high. There is no meeting of the minds. I feel like I've been saying this every Wednesday when I post the Weekly Wednesday Wrap Up. Nonetheless, it is worth repeating yet again. Until sellers come to terms with the new market values, their condos are going to sit unsold. This is not what those sellers want to hear – especially the ones who bought in 2005 and later. They are going to take a hit. When the prices drop to the proper levels, buyers will respond.
So What Is the Good News For Hoboken?
To date, we have seen almost no foreclosures and very few short sales. There are not abandoned properties on every street as there are in many other cities. We have an extremely important local election coming up in less than 70 days. The outcome could have drastic affects on the Hoboken real estate market. Things could change. Let's hope it's for the better.
Wow…I'm speechless. Those numbers really speak for themselves.
Hoboken sellers are chasing the market DOWN. Real estate, especially in this market, that is over priced,will languish on the market causing a negative feed back loop that will pull the market lower.
2005 prices are not coming back within the next 5 years. Sellers will not price to where a property will trade unless they are forced to. Job losses will take its toll and as a neighbor has to get out of their condo, they will price it to sell and the comps will be reset:rinse..spit..repeat.
For the purpose of full disclousure: I am short Hoboken Condos and long ballons as that's the one thing I know is selling in the Hoboken market.
Anyone who watches the PATH from 6am to 10AM can tell you Hoboken is a bedroom community for NYC and with many law firms and financial firms laying off or not hiring I wonder what will happen to the rental market when the wave of new renters doesn't materialize this summer.
I'm not sure what will happen to the rental market, but it will certainly effect sellers. If the rental market tanks in Boken…then all those people who are refusing to budge on their asking price b/c they think they can rent their place and wait out the market might change their tune.
I'd be curious to see a breakdown of renters in Boken. What % are in school stuffing into the cheapest converted 2BR on the market; young professionals starting out, or people 5-10 years out of school who don't feel the need to live in NYC anymore and want a cheaper alternative.
Sure, the rents will be cheaper in NYC which might cause some folks to stick around in NYC, and I can see the kids right out of school deciding to live at home…but given the economy, maybe more people will actually want to come to Boken from NYC to save some cash?
With tax increase coming to Hoboken this year how could land lords LOWER rents unless they own their condos out right?
I think we will see more short sales and foreclosures this year.
Unless you bought 10 years ago you are upside down and rents would not cover your mortgage + taxes + condo fees.
dkzzzz – The rents will drop because the demand is eroding. One of the key tenets of this market that is just starting to come to the forefront is mobility. Renters have the ultimate mobility, if my landlord chooses to raise my rent, I can leave within 1 month and move to a place that is more suitable to my income level.
This mobility is also a key advantage with employment. If I lose my job, then I am able to expand my potential job search to cover the entire country. Whereas an owner must consider the commute from their house OR they must sell their house in order to relocate.
I don't work much with rentals but I have noticed on the MLS that there are a large number of rentals available in the luxury buidings like Maxwell Place and Hudson Tea. Perhaps investors who thought they would flip for a profit are holding & renting instead. I've also noticed that many of the prospective tenants for these high end properties see them as an alternative to Manhattan.
I sold my condo in July of last year. Market was in down phase, but still before the September decline. Even at that time, I had to price my unit better than any of the other listings in my building.
If I decide to sell my condo, that means I want to sell. I don't want to deal with showings, openhouses, etc for 6-12 months. Who wants to live like that? I don't understand how sellers could allow their life to be in 'limbo' for so long, hoping for an offer.
Unless the 500+ listings are all from investors, usually if a homeowner wants (or needs) to move, they move. If you let your condo sit for 6-12 months, I guess they don't really want to move and are just feeling things out? I don't really get it.
Eustace, unfortunately yes, this is a trend in Hoboken. When I was looking for a condo I noticed many seemed to be more of 'feeling the market out' than actually being committed to selling. I guess with this new market, more sellers are doing the same.
How rents will go is now up in the air, it could be downward (less people can afford to live in Hoboken), it could be upward (more people not wanting to buy + NYC peeps being conservative with their money), or it could simply even out.
Craigslist for rent offerings are as slim as ever. I don't see a surge of cheap rentals as of yet hitting Hoboken. May be it is coming this summer, who knows. As of now, prices on rentals seem to be steady. I honestly see more decline in sale prices than rents.
That's a very good point DKzzzz. CL shows over 400 entries, however, most of those are 'Jersey City Heights near Hoboken lightrail' or 'West Hoboken' (i.e. Union City). I think we're heading back the early 2000's, when owning (for those who could) was a much cheaper option than rent on monthly basis.
I guess so many sellers just "feeling things out" is reflected in the "not that serious in selling" condition of their condos.
I cringe when I see some of the pictures on the listings. It doesn't even take much to turn your condo to 'show condition'. Rent a storage unit and de-clutter. Repaint the weird purple (sometimes blood-red) wall to a neutral color. Get a slipcover for that old sofa. Some new bed linens, towels, pillows, shower curtain, window curtains, candles, etc.
I've seen craigslist rental ads where a particular realtor placed a separate ad for every single unit in a large rental building, and placed them all under "Hoboken" although the building was in Jersey City. If this isn't abusing the system I don't know what is. Of course, I flag them for abuse when I see them. Don't know that it does any good. I guess these guys aren't busy with customers (no surprise there) so they have time to spend all day on craigslist reposting in the wrong categories.
I've also seen photos taken by realtors and placed on the MLS that are fuzzy, out of focus, shots of the toilet bowl, dark, have a ton of clutter in the frame, show all the dirty dishes in the sink, etc. I've seen MLS listings (which let us put up a max of 9 photos) with only 1 or 2 photos. What is with the owners of these properties? Do they not realize that someone is not doing their job or doing it very badly?
Finally, you have to empathize with the seller who is honestly upset about the very real possiblity of losing all his or her equity. When a young person works hard and saves money for a nice deposit, buys a home to live in and does everything right and then for some reason has to sell and has the rug pulled out from under him or her by the market it is not a happy moment. Not happy for the seller, not happy for me being the bearer of bad news. In my experience, this emotional upheaval often prevents the seller from facing the hard truth of what may be necessary to get the place sold. Since comps don't mean much in today's market (when nothing is selling), how do you know what the "right" list price is? Isn't it understandable that the seller may be overly optimistic about the market value of his or her home? How do I tell them they are wrong when we are really operating in a vacuum right now? It's not an easy place to be.
This all seem like a catch 22, any ideas on what would it take to get this moving (except obvious 20%+ price cuts)? It seem the prices were claiming up for the past 10 years, is Hoboken perfectly lined up with the RE cycle?
you hit the nail on the head. When i see a place online with no pictures, ot only a few, I am less inclined to go see it, in fact I never would, I would just assume its a dump. As far as th fuzzy pictures, I mean c'mon, have some pride and get the job done right. If someone can't take enough time for the pictures, imaging the rest of the place….
Mark, the Catch 22 ends when businesses stop laying off people. When workers feel secure, they'll be willing to put down roots and take on a mortgage.
Till then, the only folks buying homes will be those with plenty of cash on hand; those who smell a bargain and are willing to take a chance; and those who do bankruptcy law or work at the distress desk in finance.
5- Too Much Furniture: I once saw a full dining area, full living room, full bedroom, plus extra furniture (chest / side chairs)… all stuffed in a 612 sq ft apartment. Every piece was pristine to say the least! But, I had to move sideways to go around the dining room! And God knows I'm not a big guy at all. This condo stayed on the market for months, I wonder why.
4- Overstuffed/Unorganized closet: Seriously, I am going to open the closet to see closet space, I like your use of space, but can you please fold your shirts neatly? Also, you might wanna send some of that to the Shelter on 3rd and Bloomfield. I don't know what you're thinking, but the 'bro' shirt and acid washed jeans are not cool. AT ALL.
2- Undone bed: Seriously, BRO? Seriously? I got over the typical leather sofa with the beer cup-holder, then 60 inch plasma tv (that made your nice living area look microscopic, btw), but seriously bro, why am I looking at your offwhite sheets (at least I hope they are offwhite) and your comforter tossed on the ground, also why did I trip on a single sneaker tossed right at the door of the bedroom?
1- NUMBER ONE: CLEAN YOUR APARTMENT! FOR GOD'S SAKE! Nothing says 'buy me' like a condo which has dust all over the corners, visible mousetraps, dirty counters, dishes in the sink, stink, and (one time — not kidding!) a dog that did his business inside the condo. Had me reaching for my checkbook fast — I mean door.
These are some interesting points you all make about the seller vs. the renter. I moved to Hoboken 2 years ago to get a feel for the community in hopes of purchases my first condo. Since I've been here I've fallen in love with this beautiful community. However, I've also had the uneasy sense that something was about to POP and have never pulled the trigger. Like many renters we are just waiting for someone to show me something that makes sense. It's been 2 years and I'm sitting on my 20% down, credit and assets. I even update my preapproval just so I get involved in something that looks affordable.
Call me a rocket scientist but just using simple rent guidelines might help sellers "right price" there place. If I'm apprehensive to buy in this market and rent a 2 bedroom for $2,800. Why would I buy the same unit, in the same type neighborhood and deal with a total nut payment of $4,200 a month. Does that make sense to anyone? Even with a tax break and the huge question mark of equity. Well no it doesn't. Bingo here lies the answer. Think about your target audience and not yourself.
My other major concern, which it seems most of you share, is that I feel the buyers, sellers and realtors' are placing some unnecessary pressure on this market. Doesn't anyone put any work into matching buyers and sellers in the real estate market. It's almost like dating in Jr. High School. Pretend you don't like them will make them like you more. Every open house I've been to in the last 2 years I get a laid back, devil may care attitude from the retaliator. We've dropped offers and had people stonewall us on a $3,000 split. And we're talking $500K plus reasonable offers. As a seller it sure would be nice to get some straight talk from both sellers and their realtors. Not everyone is looking to screw everyone in this market. Honestly, I just like to be treated with a little respect as a potential buyer. Work with me don't hate on me.
Just my opinion from a potential buyers point of view. Just looking for a reason to buy your place. Not a greedy one.
BC, I visited a 2-bedroom about 2 years ago. I had already figured that the mortgage/taxes/fees would be over $4,000 if I put 20% down assuming that I was able to negotiate a slightly better price than what was offered. I casually asked the realtor what a similar unit would rent for. She gleefully told me $2,800 as if it were a selling point and said she'd handle the rental herself if I decided to go that route. The only possible rationale for buying then was that the unit would rapidly increase in value offsetting the carrying loss. Now, fast forward to 3/09, why in the world would someone buy a condo that is clearly falling in price that they have no possibility of renting anywhere near break-even?
As for rising taxes forcing rental prices upward. I seriously doubt that. It is irrelevant what the owner's costs are or how much he financed and at what rate. The rental market is determined by willing renters and willing landlords. Just because you have high taxes and only put 10% down and have a huge mortgage payment clearly does not mean you can rent for a higher price so that you can your magical break-even. The market will reject those thoughts. NYC's rental prices are declining and so will Hoboken's. Potential renters have less job security and lower incomes than last year.
Lori, you have sympathy for those who bought at the peak. I have none as they were taking a large leveraged risk in the pursuit of greed and have been burned as a result. You provide excellent advice that sellers need to reduce their asking prices now and get ahead of the declining curve to attract buyers. Some sellers will thank you for that advice in a few years.
Hoboken's rental market is a bit strange. We have many buildings bought back in the day when $45K could get you 10 units on Willow or Park. Those landlords can afford anything. We also have rent control. So there are some non-market related forces at work. I think there are really two rental markets in Hoboken. The high-end luxury rental buildings (that were mostly built to be sold as condos and then turned into rental at the last minute) and the low-end, cheap place to live rental buildings from the old days. I don't know if they behave the same way. The landlord who owns a high priced, new construction condo is not working with the same numbers as the landlord who has owned his building for 40 years and rents to college boys. Then there is the subsidized housing all over town. What happens if Church Square or Marine View goes market rate? My point is that you just can't lump it all together into one market.
As for rent vs. buy – what if you're lucky enough to be sitting on a chunk of change, maybe from last year's bonus, so you have a sizable down payment. And you're earning 6 figures. What do you do with that money that gets you any sort of decent return? What are your other options for sheltering some of your income from taxes besides a mortgage deduction? Just pointing out that a lot of the decision depends on your personal circumstances and that there is no one right answer that fits everyone.
I am one of the 18 sellers who sold an apartment in Hoboken last month. The only reason this happened was because our unit showed very well (decluttered, repainted, and beautiful photos), we had a great realtor, and we priced our unit below lesser units. Anyone who seriously wants to get out from under their condos now must have ALL THREE of these things. HobokenRealEstateNewsn.com was helpful in figuring out this formula for success.
I'm responding to Lori's last paragraph about buying an investment property to shelter income. Its my understanding tax benefits disappear for those that are not real estate professionals and make more than $100k. The amount you can write off decreases each dollar you make above the $100k mark and totally phases out at $150k. Isnt this true?
For those making less than $100k you can write off up to $25k in real estate losses. So if you are lucky enough to perfectly break even, just depreciation alone could get you back a good chunk of change. If you write of $25k in losses you will most likely get back around $6250 if your in the 25% bracket. Thats $520 a month less in rent you can bring in and will still break even after taxes are factored in.
Lori, you mention real estate would be a good investment for those making 6 figures, but clearly there are disadvantages to making anymore than $99,999 and owning an investment condo. Or, were you just simply saying you have a good income so you can qualify for a mortgage?
I'd appreciate any advice on why I should buy an investment condo if I make 6 figures and cant quite get my monthly nut at or below my potential rental income. I know I can carry these losses forward but that doesnt help with current cash flow.
JC – Sorry if I wasn't clear but I was talking about a scenario where the person would buy to live in the property as a primary residence as opposed to renting (which related back to earlier rent v. buy conversation in this thread).
If you buy the property for investment purposes and rent it out you have to declare the rent as income. The goal in my mind is not to have an investment in real estate to create a loss and a tax shelter but to generate positive cash flow. I would not suggest buying an investment property if you're not going to be cash flow positive at least within a short period of time. Generally that means a big down payment. I know, the opportunity cost of the money, etc., but my bank is only paying 2.5% interest and the stock market is not always a sure thing. Hope this clears up the issue.
JC, I believe Lori from referring to the mortgage interest expense write-off and for people to buy versus continuing to rent. But the full deductibility of interest/local taxes declines as you earn more thru the AMT.
I agree in part with all the past few entries here about renting vs. buying in Hoboken. Even if there are caveats in Hoboken's renal market, I still like simplifying thing to get a macro prospective then using that as a base for forming opinions on individual properties. patk14 – I do agree with you that in general, rents are primarily determined by the basic supply and demand principals. Based on the fundamentals, I do not see rents increasing in the short term and potentially decreasing. This is going to be interesting to watch over the next year as we continue to see layoffs in NY, financial companies shrink in size and bonuses wither away. Here is another example to illustrate, in my opinion, where we need to be on an average 2 bed room in Hoboken using the rent vs. buy logic. I would be in inclined to back into price using assumed variables: Using the $2,800 monthly rental figure used above, subtract taxes and maintenance of $750 and $300, respectively. This leaves you with $1,750 for a mortgage payment and a total mortgage amount of about $320K using a 30 yr fixed @ 5.15%. With 20% down, this is a value of ~$400K or ~$381 psf (assuming 1050 sqft). The average Hoboken property still has a ways to go based on this method. I believe that we will settle in the sub $400 psf range for an average home when that elusive "bottom" is reached. We have already seen a few properties in the sub $400 psf this year including 402 Monroe, 109 Jackson, 68 Monroe and 536 Grand. Yes, I know these may be considered sub-average areas, but there are still may people trying to price units in these areas far above this $400 mark. Also worth noting, when the sample size for YTD sales is 45 units, 4 sales represents 9% of all Hoboken sales going for under $400 psf.
Lori – In terms of thinking of the opportunity cost of a buyer's down payment, I think that there are many better options then buying in the market. I believe that in the 5-7 year period that you will own the property you would buy today, you will be able to get a much better in many other places. You will not see the lax lending standards and other market conditions return to band-aid battered home values in the next 5-7 years. I do believe however, that an excellent opportunity will exist to take advantage of many other investments in the next 5-7 years as the stock market recovers and interest rates begin to increase. After the stock market destruction in the early 30's the market saw some enormous rebounds in 1933 and 1935. I believe there is a good probability of this rubber-banding of the market happening again in reaction to the severe market losses this year and last year. My choice to buy (at the right price) a is based on quality of life reasons, the tax deduction (hopefully we get to keep it given pending legislation) and to take advantage of the historically low interest rates, not to invest.
Q209 I actually do agree with you in most part. I bought my first place in my 20's purely as a place to live. I didn't want to live in a rental building. Look at the threads on H411 about the 1000 Jefferson rental building and all the problems with breakdowns, no repairs, partying drunk kids in the hallways etc. In my experience co-op and condo buildings do not usually have those kinds of situations. So right now while I might not invest in real estate purely for an investment, I'm glad I did way back when. Now I own it free and clear and the rent more than covers the maintenance and taxes. It's a full-service high rise in the city so I never have to do anything and it's always been easy to rent. I just price it under what my neighbors ask and that seems to work well. Even if rents go down, I have no reason to sell it as it is still making money for me. In contrast, every – and I do mean every – stock I've ever bought for the past 30 years has tanked. I am a terrible investor when it comes to the stock market. Don't like it, don't care about it, am not good at it & don't pay attention to it. So I guess you have to invest in what you know and where you are comfortable sometimes. Everyone is different. Some people believe in gold. Others just spend it all.
Thanks Lori, I can't agree more. By no means was I saying residential real estate is not a good investment. It is a great long term investment. The reason for my comment is that most people buying in Hoboken will "trade-up" at least once in their time here, making the average duration of 5-7 years more of a short-term real estate investment. The past 5 year's appreciation was by no means the norm, but if you purchased pre ~2003, you're in great shape (unless you refied to the hilt) and would have been a fool not to no matter what the rent / buy decision looked like. Undoubtedly, Hoboken has also seen some durable, lasting appreciation that was not attributable to the bubble through its development, increased safety, clean-up of the once industrial waterfront and promotion of the city. This type appreciation will also be hard to replicate going forward, as Hoboken is already a much more desirable place to live than a decade ago. I would just like to caution Hoboken buyers who are looking at a shorter time span to own and looking forward to a great rebound in real estate prices. As you said, to each their own.
I still say we will see a 50% correction from the top in Hoboken, and I will then be prepared to buy.
I'm very happy for you that you were able to sell. It's great to know that the info we publish here was useful to you, too. You are absolutely correct about having a good realtor working for you, good marketing, and the right price – especially compared to similar units. I'll use your case, however, to illustrate a point.
You listed post-Lehman and yet you still had to reduce your asking price twice. You finally sold for more than 15% off your original asking. Having bought back in 2003 when prices were substantially lower, you still make a nice profit. You are very lucky.
Many of the sellers who bought more recently will lose all their equity if they reduce their price by 15 or 20% off what they can list for. Keep in mind that that number is typically what they paid since prices have been pretty flat for the last two years.
Sellers end up chasing the market. I understand why. It's a difficult position to be in and I don't believe it was always due to greed. Many people simply wanted a nice place to live and then their circumstances changed and now they have to move. They, like just about all of us, assumed prices would not go down. We all now know that was an incorrect assumption. I still empathize with them.
I have the income, dp, and ability to buy right now. I do not consider myself exceptionally savvy, I just thought something wasnt right when I ran the figures. I realized in 2006 that I could do better renting than owning. Nothing has changed…things are looking better as a potential buyer, I have much more saved, but housing, especially in Hoboken, has a much further way to go.
I would estimate we are roughly at 2005 prices now. Essentially if you purchased anything over the last four years at market prices, you are at a break even point, with further declines on the way.
Housing is sticky, and you generally can't get tomorrow's price today, but I do see declines picking up, which if you are in the buyers camp, is great news. As the previous poster said, to sell your place, and they did, it better be presentable and priced lower than the competition. Your place is the new comp, and the next sale will be lower.
I don't think anyone can deny housing prices in Hoboken will struggle over the next year(s). However, I can't believe what people are saying here?!? Prices will drop 50%? The stock market will see a huge rebound? The fact is NO ONE (not even Warren Buffet or other financial experts) knows what is going to happen. We are in unprecidented time…please just have to be able to accept the unknown. For some reason the unknown scares people much more than knowing that something bad is going to happen. Fact is we have NEVER seen a market (housing, stock, or anything else) like this before…across the globe.
I've been traveling overseas for work a lot and its the same exact thing everywhere else…even worse in some places like London. Please, everyone, just calm down and stop speculating. Think about it, if Hoboken prices drop by 50%, what does that mean places like Morristown, West Orange, etc. will do. All I know is that Hoboken is in a GREAT location and that is something that will not change. Other than that, its all a crapshoot.
patk14 – No one is talking about greedy flippers or builders here, we are talking about people, just like you and me, who saved money, put 20% down, and bought with the intention to LIVE in their place, but life is never as planned so they have to sell now. Those definitely deserve sympathy, and BTW, those are they few honorable ones who will not foreclose and end up breaking even — hence they do not burden the tax system, unlike others. So I'm with Lori.
I could have bought back in 06 with no money down and based on my current and projected income, but I didn't, I chose to wait until I have equity, find a deal and buy it. It worked out for me, timing wise, but it could have been me buying in 06 have I had enough money for a downpayment then.
JC – I agree, 'investment' in real estate is over. The only reason I think someone should buy in this market is lifestyle. This of course requires a down payment, buying something you can realistically afford every month before tax incentives, and of course having an eight month emergency fund in a saving account just in case things go south.
Once again – thank you all for your comments and lively discussion. I'll be posting the Wednesday numbers later today. Have a great day!
You are not alone the most recent stats in Atlanta Georgia Metro area sales of Town Homes and Condos fell off a cliff.


SINGAPORE, Sept 26, 2011 - (ACN Newswire) - The Festival of Media Asia has named ACN Newswire as the official news distributor of the annual event, to be held this year at the Marina Bay Sands Hotel, Singapore, from the 13-15 November.
The event is expected to spark conversations and provide insights into the rapidly evolving media and marketing industry as a whole and the scenario in the Asian region, which is expected to soon overtake Western Europe as the second-largest advertising market. Repeating its successful model from The Festival of Media Global, the main conference stage will share the media innovations of local talent.
Marked as the most important event for the region for the influential marketers, media owners and media agency networks, the two-day Festival will combine a high-level conference, exhibition, networking sessions, and will culminate in The Festival of Media Asia Awards. The Awards celebrates the very best in media and communications across Asia.
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The Festival of Media Asia will be located earlier in the year returning to Singapore on 3-5 March in 2013.
The Festival of Media Asia will be the premier marketing and media event dedicated to communications professionals across the Asian market. Uniquely positioned to bring together Asia's most influential marketers, media owners and media agency networks, the 2-day Festival will combine a high-level conference and exhibition with networking sessions and a unique awards ceremony. Taking place at the Marina Bay Sands Hotel, Singapore, 13-15 November 2011, the event will provide the opportunity to share best practice and celebrate achievements in media innovation within the Asian context. www.festivalofmedia.com/asia.
C Squared is a business publishing and information company that serves the global media and marketing industry. Since the launch of its first international industry publication - Cream - in 2005, C Squared has grown twelve-fold and, though still headquartered in London, over half the Group's turnover now comes from outside the UK. Across C Squared's portfolio of market-leading magazines, websites and conferences, it has readers, subscribers, visitors and clients from over 50 countries and produces successful events on every continent - from New York to New Delhi; from Valencia to Vilnius and from Amsterdam to Accra. www.csquared.cc.
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Rybovich: The Stuff of Legend For Over 90 Years – The History, The Book & RyboRendezvous #5
The second to the newest Rybovich next to the second to the oldest Rybovich (Hull #2 "Legend") which will be on display at the 2012 RyboRendezvous in October
It's funny how some things stick in your mind… Last August, while attending the 2011 Regional Boat Show in Coeur d'Alene, Idaho I had the pleasure of meeting one of my motor racing hereos, Jim Busby. Jim is an accomplished road racer with numerous international wins to his credit including the 24 Hours of Le Mans, and in the American IMSA Roadracing series throughout his remarkable racing career.
Jim was at the boat show with his beautifully restored 25′ Chris-Craft Express Cruiser "Katherine". After sharing some great stories, Jim said "Hey Texx, if you are ever in the Southern California area, stop by and check out my classic wooden Rybovich sportfishing boat…"
For some reason, that name "Rybovich" stuck in my mind, although I didn't have any idea what a "Rybovich" was… Until now. (According to the impressive Rybovich Boat Registry, Jim Busby owns "Desperado" (a 1955 36′) and "Sea Palms" (1956 31′) Rybovich – rarely seen on the west coast)
Last week we received a surprise e-mail from Pat Rybovich, the daughter of boatbuilder/designer Tommy Rybovich, the man who created the first luxury sportfishing boat in the Palm Beaches, back in the 1940s. Pat is the family "Rybovich" historian, and she is organizing the 5th Annual RyboRendezvous which will be presented by Sunset Bay Marina in Stuart Florida (just north of the Palm Beaches) on the weekend of October 13, 2012.
And on top of that, Pat has written a book (RYBOVICH) which celebrates the rich history of the 93-year old American made marque. Here's her story…
Rybovich: The Stuff of Legend
by Pat Rybovich
In the world of boatbuilding, Rybovich is a name synonymous with excellence. Founded in West Palm Beach in 1919, Rybovich & Sons Boat Works splashed its first custom-built sportfishing boat in 1947. To this day the yard retains its iconic status as one of the oldest and most sought after boatbuilders in America.
The 4 Rybovich Men – from left: Emil, Tommy, Johnny and Pop Rybovich – circa 1960's
With simple hand-tools and a dream, the birth of this classic heritage American company is a story steeped in history: the creation of the modern sportfishing yacht. While Ernest Hemingway pioneered big game fishing in Bimini during the 1940's, Rybovich was there to show how the sport could be played in style.
Designer/builder Tommy Rybovich is shown speaking to customer, Mr. Johnson. Johnny is behind Tommy. Emil is standing to the right, alongside Pop. Photo shot in 1956. Charley Johnson was an extremely important Rybo customer who took a chance on the Rybovich boys by commissioning Hull #1. Mr Johnson commissioned 4 Rybo's over the years: Hull #1, 8, 21, and 29
Combining performance with high-life extravagance, owning a "Rybo" became the ultimate status symbol. Each was custom designed and built by Tommy Rybovich as a masterpiece, blending technological innovation, speed and performance with his futuristic signature style.
The boat that started it all: Rybovich Hull #1, "Miss Chevy II" commissioned by Charley Johnson. She was splashed in 1947 Rybovich Hull #1 is the world's first true sportfishing boat. Hull #1 was the start of the Rybovich legacy, and she helped spark the sportfishing industry.
In 1949 Al Capone's second in command ("Tough Tuna Tony Accardo") commissioned Hull #2. Today she's the oldest Rybo in existance. She's the little cutie on today's opening cover photo (the big one built by my cousin, Michael Rybovich). She's in Bristol condition & will be on display at the upcoming Rybo event. Accardo's daughter & granddaughter will be joining us as well (lovely folks!).
Rybo customers were business tycoons with familiar names like Firestone (his boat, "Tireless"). The jet-set folks coveted custom-built Rybos and sat on a waiting list for 10 years. In the book are pics of King Hussain (in speedos) fishing on a Rybo, back in the 60s…
In 1961—as Fortune magazine declared Rybovich "the Stradivarius of sportfishing boats"—the world's most prominent sportsmen were already waiting in line alongside such brand-name tycoons as Firestone, Hutton, Ballantine, duPont, Gillette, and Maytag, (along with a handful of crooks & gangsters from Al Capone's second in command to Bernie Madoff to keep things interesting).
1954 Hull #13 the Bimini Babe commissioned by Bob Maytag (heir to the washing machine fortune). It's the first of 2 "Bimini Babes" he commissioned
The image appeared on the cover of "Sports Afield" magazine, February 1960
Celebrating the boat yard's colorful 93-year heritage, after five years of work, Pat Rybovich (daughter of Tommy Rybovich, the boat's designer/ builder) recently completed her book (RYBOVICH) about the family boatyard which illustrates a behind-the-scene look at the remarkable stories behind each custom-built Rybo.
The massive 608 page, 20-pound limited edition 13″x15″ coffee table book features photographs and history, never before published until now of the boatyard, established in 1919 it's one of the oldest boatyards in America.
The book delves deep into the history of the 79 boats built by the three Rybovich brothers, igniting newfound passion the world over for vintage Rybovich as a true collector's item.
In our recent exchange of e-mails with Pat Rybovich as we were preparing today's story, she noted – It's a pretty fascinating story & as you can tell I'm totally & completely obsessed.
My dad died of lung cancer when I was 16 (non-smoker but as in the 50s he was the first to build a boat with epoxy and fiberglass, and the one who invented cold-molding in the 60s so the poor guy lived in a toxic soup) and so researching the Rybovich book has been an amazing way to reconnect to my dad. I launched the book about a year ago and even at a insane price ($350 and $700) they've been selling like hot cakes to Rybo-zealots.
So now I've switched gears & am I'm writing a screenplay. It's an inspiring story about my dad and the struggles (the 3 brothers couldn't stand each other) & triumphs of the boatyard. (Fortunately for me there are a couple Hollywood folks who happen to love Rybo's, so it ain't quite as crazy as it sounds…! – Pat)
Announcing RyboRendezvous #5
The World's Largest Vintage Rybovich Rendezvous & first-ever Vintage Rybovich Boat Parade
WHERE: Sunset Bay Marina & Anchorage, Stuart FL (just north of the Palm Beaches)
WHEN: The weekend of Friday Oct 12 – Sunday Oct 14, 2012.
If you have a passion for gleaming varnish, polished stainless steel and the classic lines of 'Rybo' in her heyday, you won't want to miss the upcoming vintage RyboRendezvous weekend hosted by Sunset Bay Marina in Stuart, Florida.
Hailed by Fortune magazine as "the Stradivarius of sportfishing boats," Rybovich spirit comes alive as over a dozen vintage "Rybos" strut their stuff at the upcoming RyboRendezvous. Celebrating the iconic South Florida boatyard's 93rd year, the 5th Annual RyboRendezvous will be presented by Sunset Bay Marina in Stuart Florida (just north of the Palm Beaches) on the weekend of October 13, 2012.
The annual vintage Rybovich weekend has grown into a top-tier event for fans of classic sportfishing yachts and this will be the world's largest gathering of classic Rybo's ever. More than a dozen of the most magnificent wooden boats ever built will be on display to the delight of classic yacht collectors and Rybovich enthusiasts. These one-of-a-kind boats—custom created by the three Rybovich brothers for such brand-name tycoons as Maytag, duPont and Firestone—will be exhibited in the chronological order of their launch date.
A photo of several vintage Rybo's on display at the Rendezvous. These boats were built in the 50s and 60s and are representative of the boats to be on display at Sunset Bay in October. – Photo courtesy of Anthony Cavaciuti
This important event features the oldest Rybo in existence, the historic Rybovich Hull #2 commissioned in 1949 by Al Capone's second in command, Tony Accardo.
Saturday October 13, 2012 features a day of public events with a highlight being Saturday afternoon's book presentation of the recently launched coffee table book RYBOVICH. Author Pat Rybovich, daughter of designer/builder Tommy Rybovich, shares the captivating story behind the creation of each vintage Rybo on display as the book is presented on the big screen.
Having grown up with the boatyard as her playground, Pat shares personal experiences at the yard along with stories behind the book's creation. The 2012 event also includes displays of other collectibles such as nautical jewelry and marine art as well as fine food, beverages and music as visitors enjoy viewing the rarely seen classic Rybovich boats.
You'll get a chance to see old friends and make new ones while chatting with impassioned vintage Rybovich owners who work to restore and display their prized one-of-a-kind sportfishing yachts. And don't miss the chance to help determine who walks away with the coveted Spectator's Choice Award!
On Sunday morning the remarkable celebration will come to a close with the Blessing of the Fleet and then it's time for the classics to roar! The world's first Vintage Rybovich Parade is the event's grand finale as over a dozen vintage Rybo's parade in chronological order down the St. Lucie River to the delight of spectators on the shore.
Breathtaking yachts, gleaming mahogany, the tropical setting of Sunset Bay Marina and South Florida's crisp fall weather makes a winning combination. So plan on being in the Palm Beaches the weekend of October 13 to treat yourself to the sight of these rare and beautiful sportfishing boats as we celebrate 93 years of wooden boat passion. The event is free of charge and open to the public—it's a Rybo event you won't want to miss!
For more information on the event you can e-mail Pat Rybovich at [email protected]
We appreciate you sharing your story with us here at Woody Boater Pat, it was just wonderful. Thanks to you we now have a better understanding of the history & unique charactor of the timeless Rybovich marque.
For more information on Pat Rybovich, her book and the upcoming RyboRendezvous you can Click Here.
Also, take a few minutes to check out the very nice Michael Rybovich & Sons website by Clicking Here and then click on The Registry link on the top of the home page to scroll through and see the impressive history of the boats, where they are now and some of the influential people who once owned them and still own them today… It's very cool stuff.
Tags: RoboRendezvous 5 Rybovich Boats Rybovich Book Rybovich Rendezvous
29 Responses to "Rybovich: The Stuff of Legend For Over 90 Years – The History, The Book & RyboRendezvous #5"
Really great story about a builder that I never heard of before. It sounds like Pat is the Chris Smith of the Florida sportfishing boat world. Marianne and I have been talking about a fall get away weekend. I wonder if Palm Beach in October would work.
Similarly, the name "Rybovich" was familiar to my ear, but I had no idea why….thanks for the great story and history lesson! Can't wait for the movie.
Jim Frechette
Apparently there is quite a connection between Rybovich and Chris Craft. According to some people, Chris Craft basically stole the design of one of the Rybovich boats (#13?) and built their own until stopped by a court order. Then both companies joined forces to produce several boats called Chrisovich. Google Chrisovich for some interesting discussion. Truth or fiction?
Chris / Hagerty
Yes there are a few "Chrisovich's" out there, some were custom aftermarket refit / redesigns to emulate the famos Rybovich boats. They have long been one of my favorate boats, and the overall design for the modern Sportfish owes to the Brothers designs.
absolutely there are chrisovich's around….I have seen a few in my day….really cool.
Easy to spot the sweet water guys on the forum when they go Rybo? The Ryboviches and Scopoviches were the boats of my youthful dreams. During shark tournaments at the local marinas we'd go down as much to see the sharks brought in as much as the boats that traveled up and down the east coast following the tournements the Rybo's and Scop's being highlights and easily distinguishable from the more common Eggs, Hatteras' and Vikings. To this day I think those early Ryboviches have a timeless style.
Scott Robinson
Hi Texx, So, are you going? I,d love to go,maybe I can link this trip with going back to New Hampshire for Indian Summer and boating, Scooter
Pat Curtin
When I started to work on yachts as crew in the 60's, I was mate on a 37ft Rybovich called the SEVEN DAYS and the captain was Freddy Voss. The owner of that boat was having a new Rybo being built.
A few years later, I got my masters license from the Coast Guard and then ran a 30 ft Rybo named GALE SONG for a man named Jim Weimes of FT. Lauderdale. Mr Weimes also owned a 85 ft Trumphy named Windsong which I also ran.
Back then, everyone involved in sport fishing knew the name Rybovich but we just called them Rybo's
It was a sad day when Tom Rybovich died. I think a lot of the company died that day also.
They were great boats in their day and still are good today.
Pat Rybovich
Wow—awesome article!
I'm thrilled Matt + Texx wanted to share the rich Rybo story…thank you! Texx includes my comment "I'm obsessed" and it ain't far from true!
Regarding the comments about Chrisovich: you guys got it right. After initial problems with copying my dad's lines, the Rybovich brothers decided to add Rybo-perfection to unfinished Chris Craft hulls. They're called "Chrisovich" but with no formal agreement between the two companies.
There's another interesting story about Rybovich copies you'll enjoy:
In the early days Rybovich boats flocked to the tournament in Havana. At the 1951 Tournament– in the dead of night– Rybo Hull #10 was pulled out of the water by Havana's tiny Neptune Boat Yard. The Rybo was measured, templates made, photographed and plunked back in its berth by sunrise. A year later my Uncle Johnny returned to Havana only to find the Rybo clone—FURIOUS is putting it mildly!
Only a handful of these clones were built, but they're the spittin' image with a great name, "Cubavich." I'm happy to say that along with the dozen vintage Rybo's on display you'll find a 1957 Cubavich!
Pat, Seven Days is the 1955 Hull #18, originally Timid Tuna—she's considered one of the finest of the famous Rybo 36-footers. She's in the middle of a restoration and won't be able to join us but we'll have a couple of the much-coveted Rybo 36-footers on display, including the 1959 Rybo owned by Alan Jackson(!)
You can see pics of these boats and much more on the free eBook at http://www.RybovichBook.com. It's HUGE with 100 pages of the 608 page book…enjoy!
Philip Andrew
Sweet story Texx. Thanks.
It's so much fun to learn about the connections our viewers have to classic marques like Rybovich.
This morning I received an e-mail from my friend and long time fellow Woody Boater Tom Addis. Tom commented…
Texx – Glad to see you discover Rybovich boats!
We had hull #37 at our home in Newport Beach for years. Jim Busby purchased #24 and #16 and are docked at his home on Balboa Island (Newport Beach).
Small World Department: Hulls # 24 and #37 were each built for Bev Smith, a Ford Dealer in Florida. What are the odds that these two Rybo's would both end up in the same California harbor belonging to two good friends, and by the way, I have been a Ford Dealer for 37 years!
Pat Chaps
Great to see Rybovich on the Woody boater web site.
I have a copy of the Rybovich book, it's fantastic.
If you're in Michigan and would like to read it I rent it out for
$20 per hour. Just kidding it's well worth the price.
Pat, thanks for letting us know that the Alan Jackson 36 ft express is going to be at the Rendezvous, I'm checking on flights to Stuart right now.
Do you know if the 30ft express named Release is going to be there?
Still looking for a Rybovich sighting in Michigan.
Ya think the guy with hull #2 bought it new??
Jim Godlewski
WOW! You need to check out the gallery on the Rybovich web site and see the size of these beauties. Wood galore….
One detail I wanted to include in this story and forgot (due to late night / early morning story preparation) that needs to be noted.
On the home page of the Michael Rybovich & Sons Boat Works website they say…
"We continue to subscribe to the same philosophy — Listen, think, and create. We are here to build a better boat. It's as simple as that."
floyd r turbo
Saw my first close up of a Rybo when Larry Mullins brought his to the St John's River Cruise first day luncheon at the Outback Crab Shack. I thought it was a '59 back then but I see I was either wrong or he found a '49. Knowing Larry, the older one was in the wings. They have such classic, timeless lines. That forefoot of the boat in the picture is deeeep and those walk boards have seen some use. Must have been pretty hot in a West Palm summer in that shop. Looks like the fan isn't even plugged in in the background, lol.
The sample pictures are the most incredible boat porn I've seen. thanks to Pat and Rybo for making it available, now to beg my family for a Christmas/birthday/anniversary/Father's Day/ present for the next 10 yrs. I promise, that's all I'll ever ask for.
Larry had a 30′ he restored. He then found #2 a 37′
Thank you Pat, Texx, and others for broadening my wooden boat knowledge.
Never seen one of these in person, but they sure look beautiful (in that untouchable, Matthews Martinique kind of way). Meaning (sigh) I'll never own one.
Always worthwhile and fascinating to learn about a boating pioneer too. In that vein, this story reminds me of the Curtis story WB ran last winter.
Great story & photos, thanks for pulling this together Texx! Always liked the design of them.
Doug Powles
Great article about great boats
Fascinating chatter about Larry Mullins—the finest Rybo-guy there be!
You guys are right that he's had two Rybo's: The first was the 1960 30-foot Rybo Hull #43, FRISKY (he renamed RELEASE). A jazzy little boat with a fascinating story– she's the world's first cold-molded boat. Still in Bristol condition, my dad would be surprised to hear that his little guiena-pig of wood & glue is still going strong after some 52 years.
And today Larry is the owner (or custodian as some put it) of the oldest Rybo in existence, the 1949 37-foot Rybo Hull #2, LEGEND. This is the boat featured in the photo above—the little mouse-sized boat chased by the big cat! My cousin Michael Rybovich restored LEGEND to perfection and the big breathtaking beauty (the cat!) is Michael's 2008 72-foot Rybo Hull #125 PERSISTENCE.
Both LEGEND and FRISKY will be on display along with a dozen of my dad's finest at the upcoming RyboRendezvous in the Palm Beaches, this October—Admission is free & you're invited to join us! Event details will be posted on the Rybovich book website, RybovichBook.com. It's a weekend lovers of Rybovich won't want to miss — I hope to see you there!!
I was the captain on GALE SONG ll in 1970 & 1971
The owner was Jim Weems of Ft. Lauderdale
Looking at your book, her first name was FRISKY
She was gas powered with twin V8's and had a generator
I left Mr Weems to run a Burger for a man in Miami
The Burger's name was GRAY FOX and the man had just bought her from was Jim Kimberly. I am sure you know who he was
Hi Pat–
Looks like you captained the boat we were talking about, above: the 1960 little 30-footer, Hull #43 FRISKY. She's legendary, as she's the world's first cold molded boat & is scheduled to be on display at the RyboRendezvous!
And Jim Kimberly: You bet I know who he is! He was a great lover of Rybovich and commissioned Hull #49, BLUE FOX. The boat was later owned by Lowenbrau and now Anheuser Bush. Today she's called MISS BUDWEISER. She'll be on display at the RyboRendezvous, too!
Kimberly was heir to the Kimberly-Clarke (Kleenex) fortune—a very cool guy in the swingin' 60s (and the object of my school girl crush!)
So Pat, if you're able to make it you'll find both FRISKY and BLUE FOX at the event—I hope to see you at the RyboRendezvous!
Grant Stanfield
I received my copy of RYBOVICH in June and I can assure you it is well worth the purchase price if you're a big fan of classic wooden powerboats. The story of the Rybovich family's rise to pre-eminence in the world of sportfishing boats is really spellbinding and Pat Rybovich knows better than anyone the behind-the-scenes story of the Rybovich brand. The book is absolutely incredible to read (you'll get sore if you hold it in your lap so use a table- 20 pounds!!) and the photography is absolutely amazing. Here's a link to Pat's e-reader flip-book so you can sample some of the 600+ pages: http://www.rybovichbook.com/Flipbook-3.html
Hi Grant,
Thanks for the kind words & I'm thrilled you love the book—that's music to my ears!
It might be a cliché but creating the book was truly "a labor of love." As the old-timers who worked shoulder-to- shoulder with my dad are now in their 80s and 90s, the yard's history needed to be recorded before they leave us. Unfortunately the boatyard kept no records of the yard's 93-year history, only photos (mostly ancient 1950s slides!) found in a dusty shoebox or two.
So the job of tracking down photos of the 126 Rybo's built to this day took a solid 4 years. To find photos my days were spent chasing the thinnest of leads: try to track down a guy who someone remembers had a friend whose brother-in-law once worked on a Rybo. In desperation I even begged a bitter ex-wife to share a boat pic from the family photo album (no luck!)
So little wonder why the Credits Page lists HUNDREDS of names—the book was a joint project of Rybo lovers from all over the world.
So that's the story behind the book's creation & as a lover of Rybovich, Grant I'm delighted to hear the book hits all the right notes!
Gary Lane
I had the pleasure of fishing on Tibby Bartram's 36′ Tintinajo with Capt. Stash in the late 80's. And living here in So.California, I knew Ted Naftzger and his Hustler, and bought a pair of spreader riggers from Jim Busby…
Jim Connelly
Great article and tribute to the Rybovich marque and keeper of the legend, Pat. Tom Addis was a great custodian as is Jim Busby, great to know that they are as passionate about fresh water boats as salt water vessels. You only have to step on board to feel the craftsmanship and sea going ability of these unbelieveable floating works of art. Thanks
Thank Jim – One day soon, I hope to have the opportunity to experience a Rybo in person, under way, on a warm day, for an extended period of time…
Pat's beautiful book was an inspiration as well.
Jimmy Lee Smith
To Pat Rybovich:
My twin brother (Jimmy and Timmy Smith) were the youngest children of Betty Marie Smith (later known to all at Rybovich as Betty Smith Lance, after she married Capt John (Jack) H. Lance who captained many Rybovich yachts for decades. Our mother started as a secretary at Rybovich in the late 60's / early 70's and she passed away of cancer at the age of 47 and at that time was the Treasurer of Rybovich & Son's boat works before (and after) Mr. Fisher purchased the company. My twin and I earned money many summers while out of high school cleaning/washing the awesome lines of Custom Rybovich Yachts as they sat moored under the concrete arched covers (before Mr. Fisher built the Helicopter Pad at the far end). In fact Timmy and I were in one of the few Rybovich Marina commercials in the early/mid 1980's. Capt Jack (our step father) kept a 20′ Wellcraft center console (the Betty Marie) at the Rybo Marina with in and out service where we spent many summer weekends camping out on Peanut Island. We lost mom to cancer in our 2nd year of college and then Capt. Jack took his life several years after that. Tommy, Emil, Johnny to us…were always…Mr. Rybovich. The Rybovich's family without a doubt…remarkable historians in the designing and building of incredible sportfishing yachts…but what most don't know and I speak with experience, they were hard working yes but also an extremely compassionate family. My family was fortunate to be around this family during the most exciting times between the 60's, 70's and 80's,


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Jinger Duggar & Jeremy Vuolo Drop 'Counting On' Season 11 Teaser
February 20, 2020 by Trisha Faulkner 0 Comments
Duggar, News, Reality TV, TLC Shows
Duggar fans have been on the edge of their seats waiting to know if Counting On was renewed or cancelled. Will there be a Season 11 of the TLC hit reality TV series? Fans are certainly hopeful. But, no one knew for sure.
We've done a little digging recently at Tv Shows Ace. And… It would appear as if Counting On WILL be returning for Season 11. In fact, two members of the Duggar family dropped a few teasing snapshots on their Instagram Stories recently.
Jinger Duggar and Jeremy Vuolo confirm Counting On Season 11 is in the works.
Fans of the Duggar family have been impatiently waiting details… Did TLC renew Counting On? Would there be a Season 11 of Counting On? Did the network cancel the reality TV series? Fan questions swirled. But, no one really had any answers.
Unfortunately, as those who have watched the series know, TLC isn't a network that makes a habit of confirming the renewal or cancellation of a series. They just present premiere dates.
Those who have been watching Jinger and her husband Jeremy Vuolo, however, are likely beaming with joy right now. Why? Well, the couple let it slip on their Instagram Stories recently that they were filming. They were filming for Season 11 of Counting On.
According to Ok! Magazine, it was just two days ago that Jinger Duggar and her husband Jeremy Vuolo took to their Instagram Stories. The couple shared a few photos of the camera crew in their home. Currently filming episodes for Counting On Season 11. In doing so, the couple confirmed the TLC series has been renewed for a new season.
Both Jinger and Jeremy shared snaps of the film crew on their Instagram Stories.
Jeremy Vuolo shared a snap on his Instagram Stories labeled "Interview Day." In the photo, he sat in front of a camera crew. He sat next to an empty chair. Fans can only assume Jinger would sit there during the interview.
"'Uncle' Scott Enlow has been on our film crew since day one. When they first started filming I was only 10 years old. He used to be our cameraman, now he's our producer! Thankful for a film crew who is more like family!" Jinger penned in a caption on the snap on her own Instagram Stories.
My forever Valentine. ♥ When I am with you, there's no place I'd rather be. I love you, @jeremy_vuolo.
A post shared by Jinger Vuolo (@jingervuolo) on Feb 14, 2020 at 6:51pm PST
The photo featured their daughter Felicity and a producer of Counting On. Felicity sat in the producer's lap with a sippy cup in hand.
During Season 10, fans watched the couple settle into their new home in Los Angeles. With Season 11, fans can only hope to get a look at how Jinger and Jeremy are adjusting to the big city life.
Are you excited to know Counting On was renewed for Season 11?
Trisha Faulkner
Trisha Faulkner has been a freelance writer for a decade with a focus on news/reporting for the last three years. She enjoys writing about the Showtime series Shameless, CBS's Survivor, Netflix, TOWIE, and some entertainment/celebrity news. In her spare time, she enjoys raising awareness about autism and spending time with her two children.
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Tags: Counting On, Counting On Season 11, Duggar, Jinger and Jeremy, TLC


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School places
Looked after and previously looked after children applying for school places
Applying for a school place for looked after and previously looked after children.
'Looked after children' are children who are subject to a care order (under Section 31 of the Children Act 1989). Applications must be made by the allocated social worker following consultation with the head of the virtual school at the local authority responsible for the child.
Previously looked after children
Previously looked after children are children who were subject to a care order but ceased to be so because they were adopted, became subject to a special guardianship order, residence order or child arrangement order. Applications should be made by the holder of the order and should be supported by a copy of the:
adoption certificate
special guardianship order (made under Section 14A of the Children Act 1989 - as amended by the Adoption and Children Act 2002) confirming the details of the arrangements for the child
residence order (made under Section 8 of the Children Act 1989) or child arrangement order (made under Section 12 of the Children and Families Act 2014 ) confirming the details of the arrangements for the child.
Evidence must be sent to the Pupil Admissions Team by the application deadline for allocation rounds and at the time of submission for in-year applications.
Also in Guidance
How school places are allocated
Address information for school places
Moving house during an allocation round
Applying for a place under the exceptional and compelling category
School age ranges and year groups
School waiting lists
Contact Pupil Admissions
School admissions policies
Key dates for primary, infant and junior school places
Key dates for secondary school places


The title -- "In Spring and Sumer, Leaves May Blow" -- is a bit deceiving. The crux of the poem is not about spring or summer but about (metaphorically) what happens after summer's end.
For me, the strongest image was of the leaf that hold on and on after most leaves have dropped. Such an image of strength -- one that I thought, upon first read, Walter Cantor might leave us with. No, he goes on to compare friendship to those leaves that eventually fall. As for love behaving like those leaves? That he "can not say".


Delilah von Greenback is the daughter of Baron Silas von Greenback, and occasional an enemy of Danger Mouse.
Delilah is Greenback's daughter, as such the resemblance between the two is strong. She is short with orange hair.She usually wears a skirt, blue dress shirt and red tie.
Unlike her father, Delilah is a shy and humble individual prone to stuttering. She's usually respectful, trying her best to not rub anyone the wrong way.
That being said, her shy and humility traits mask a truly evil child. When she feels it's just, she will gladly go to evil lengths to achieve her goal. In this sense she does take after her father, as she was once willing to murder the Queen of Goldlandia, Danger Mouse, Penfold, and even her own father just to inherit Goldlandia's riches. An act that made her evil father proud.
Greenback is Delilah's father, and despite what most would think, is genuinely fatherly towards Delilah. Delilah, while doesn't think less of him for being evil, has made it clear that she (at first) didn't want to be an evil conquer like her father. Something Greenback came to understand and was genuinely apologetic for not realizing it sooner. Greenback love's his daughter relentlessly, as Delilah is one of two living things he ever shows affection toward (the other being Nero). Even after attempting to murder him, Greenback still loved her, and even admitted he was proud of her for committing an evil act as following him in his footsteps is something he would like for her (but knows he can't force it on her).
Despite her verbal protests, Delilah loves her father dearly as well, and when Greenback became and all powerful monster thanks to The Helmet of Power in "We aren't Family" she knocked it off of him due to fear of losing her only family she has left. Something that touched Greenback's cold heart.
It's unknown who exactly Delilah mother is, as it's never been mentioned or shown.
She is the third child villain to appear on the show, behind Dawn and Ian.


Dynetics, an employee-owned company, is seeking talented Summer Interns to join a diverse team to create unique solutions for complex problems. With offices across the United States engaging in the defense, space, cyber and commercial fields, Dynetics provides responsive, cost-effective engineering, scientific and IT solutions. Dynetics' summer intern program is actively seeking college students (Sophomore, Junior, Senior or Grad) to work at our Huntsville facility over the summer break (May, June, July, and August depending on student availability). The intern program will allow students the opportunity to experience hands on technical work in support of on-going projects in various disciplines at Dynetics. Internships are typically available in a variety of fields including Radar Modeling and Simulation, Aerospace Engineering (Dynamics, Controls, Multi-Disciplinary Design, and more), Software Development and Engineering, Communication theory projects, Mechanical Design and Analysis, and several other technical areas. Our internships have the possibility of leading into future full time work.
Student must be a U.S. Citizen. Student must be working toward a Bachelors, Masters or PhD in Electrical Engineering, Aerospace Engineering, Computer Engineering, Mechanical Engineering, Computer Science, Management Information Systems (MIS), Engineering Physics, Math, Physics or equivalent degree. Overall GPA of 3.0 or above is required.
In general, employment decisions for interns are made in the October - March time frame.


Answer : After spending two years building my own website, I was very disappointed that my Alexa ranking was still higher than one million. Alexa ranks each website based on the number of visitors it receives. The top ranked website, Yahoo! has an Alexa rating of 1 or 2. Less popular sites could be ranked up to 5,000,000.
In order to improve my Alexa rating, I spent about three weeks combing the web to find tips, secrets, and proven strategies for increasing my Alexa ranking. Unfortunately, many of the sites offering advice didn't even have a high ranking themselves. Finally I discovered a number of sites ranked within the top 100,000 that were all applying the same "Alexa techniques" to improve their ranking. I've begun implementing a number of these techniques and have improved my Alexa ranking by 250,000 spots in just one week.
Here's what you need to know. The basis for many of these techniques is the fact that your Alexa ranking is based reach and page views. However it only counts those who visit your site and have already downloaded the Alexa toolbar. Anyone can download the toolbar for free which is automatically added to your browser and tracks the sites you're visiting. Increasing visits from those who do not have the Alexa toolbar installed will not help your Alexa ranking.
2. Use Alexa redirection whenever you can. No matter when or where you provide a link to your website, be sure to use the equivalent Alexa redirect URL. For example, when providing a link to my website, I use http://redirect.alexa.com/redirect?marketingscoop.com. If you copy this URL into your browser, it will take you to MarketingScoop.com. To use this technique, simply replace the name of my website (marketingscoop) with yours.
3. Encourage your website visitors to add their positive testimonials on Alexa's detailed listings page for your website. This can be done by placing a link to the appropriate Alexa page on your website and asking visitors to "Click here to rate this website".
4. Write your own site reviews on the top 100 rated Alexa sites and include your redirect URL. The top 500 domains, according to Alexa can be found at http://www.alexa.com/site/ds/top_500 When you write a review, be sure to use the redirection URL we discussed in number 2 above specifically for your website [http://redirect.alexa.com/redirect?marketingscoop.com].
5. Download the Alexa ranking button, traffic history graph, info links, and other traffic counters onto the page of your website that receives the most traffic. For example, at the bottom of my home page http://www.marketingscoop.com, I've added the Alexa ranking box. You can do the same for your own site by visiting http://www.alexa.com/site/site_stats/signup You'll notice that I haven't added the traffic history graph. This is because it wouldn't look appropriate on my home page and because Alexa is only providing detailed history on the top 100,000 sites. So if you're not in the top 100,000, site stats would not be available.
7. Get listed on as many search engines as possible by placing a free listing in DMOZ. This is the largest human edited directory on the web and is co-branded among hundreds of thousands of sites. Be patient though, it often takes up to 5 months before you see your website listed after submission. Even though it takes longer than it should, you have little say in the matter because it's so widely used across the Internet.
These simple Alexa strategies are easy to implement and will make a huge difference in your Alexa ranking. Ultimately you want visitors to do more than visit your home page, you want them to interact with your site. Be sure to optimize your home page for SEO purposes, ease of use, and interaction. Creating a positive user experience will get visitors to return again and again.


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Q: Gridview on direct edit mode I want gridview directly on edit mode without any edit/update linkbutton on it and I want to update each row on every next different row selection.
I have tried by putting textbox on itemTemplate and passed row index on row command (hidden button is created)updated on rowUpdating.
Any ideas?

A: Please visit Putting a gridview row in edit mode programmatically . There is accpeted answers. Hope, some of them works for you.

A: use component one flexgrid http://www.componentone.com/SuperProducts/FlexGridWinForms/ this will help u

A: I'm not really sure if I understood you well but you could use CellEndEdit event on your datagridview?

redpajama_set_name: RedPajamaStackExchange


Our client, a leading global technology organisation, is seeking to recruit a Junior Software Tester to join its QA and Testing team, within an internationally recognised telecommunications provider.
Assuming an active role in solution design, from Quality Perspective;Gathering and managing all the necessary documentation related to quality assurance such as test results and quality criteria documents.
EU citizenship due to work permit restrictions. The successful candidate will benefit from : A competitive salary and gaining invaluable knowledge and experience.