DoughRoller tells us How to Run Home Comps and Why They Matter
With some good step by step info on how to get real estate comps off various online sites.
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June 17, 2016
Best of Blogs for Week of June 17th
Every Friday afternoon I share some of the more interesting or notable posts that I have seen in the personal finance blogs and other sources for the past week
DoughRoller tells us How to Run Home Comps and Why They Matter
With some good step by step info on how to get real estate comps off various online sites.
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DoughRoller tells us How to Run Home Comps and Why They Matter
With some good step by step info on how to get real estate comps off various online sites.
--
June 14, 2016
401k's Usually Have High Fees But Most Peoples 401k Does Not
You may have heard that 401k's often have high fees. They do. Most 401k plans are charging high fees just for the 401k itself. Thats bad and erodes peoples retirement savings. But while most 401k's may have high fees, that doesn't mean that most people have bad 401ks at their jobs. Let me explain..
When you look at all the 401k's out there you'll be looking at lots of 401ks offered by small businesses. Small business plans have 401k's with a few employees and relatively low balances. Those plans tend to have higher fees as a percent of assets. This is due generally to overhead costs and scale. Large companies have 401k's with many 100's of employees and millions of dollars of assets. When the 401k administrator figures the fees it can be a much lower percent of assets due to volume. Large 401k market is also much more competitive so you get lower prices that way.
Generally small companies have high 401k fees and large companies have low 401k fees. But since there are far more small companies then there are far more 401k's with high fees. On the other hand most people work for the larger businesses and then they have 401ks with lower fees.
Combine that all and you get :
The average 401k has high fees. - AND - The average persons 401k does not have high fees.
The GAO report 401(K) PLANS Increased Educational Outreach and Broader Oversight May Help Reduce Plan Fees (from Apr. 2012) has this chart showing average fees based on plan size :
So while the average 401k had a fee of 1.13% the large plans were only at 0.15%. Plans with 50-400 people were paying 0.24%. And the majority of people work at companies with > 100 employees.
Looking at BLS data on employment by firm size (figures dated 2009) we can see that ~60% of people work at companies of 100 or more. 38% of people are employed by companies over 1000 employees.
Whats more the small 401k's offered at small companies with under 50 people are even worse than the average and they charged 1.33%.
Bottom line : As far as fees, the 401k's at small businesses are usually bad but big companies offer decent 401ks.
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When you look at all the 401k's out there you'll be looking at lots of 401ks offered by small businesses. Small business plans have 401k's with a few employees and relatively low balances. Those plans tend to have higher fees as a percent of assets. This is due generally to overhead costs and scale. Large companies have 401k's with many 100's of employees and millions of dollars of assets. When the 401k administrator figures the fees it can be a much lower percent of assets due to volume. Large 401k market is also much more competitive so you get lower prices that way.
Generally small companies have high 401k fees and large companies have low 401k fees. But since there are far more small companies then there are far more 401k's with high fees. On the other hand most people work for the larger businesses and then they have 401ks with lower fees.
Combine that all and you get :
The average 401k has high fees. - AND - The average persons 401k does not have high fees.
The GAO report 401(K) PLANS Increased Educational Outreach and Broader Oversight May Help Reduce Plan Fees (from Apr. 2012) has this chart showing average fees based on plan size :
So while the average 401k had a fee of 1.13% the large plans were only at 0.15%. Plans with 50-400 people were paying 0.24%. And the majority of people work at companies with > 100 employees.
Looking at BLS data on employment by firm size (figures dated 2009) we can see that ~60% of people work at companies of 100 or more. 38% of people are employed by companies over 1000 employees.
Whats more the small 401k's offered at small companies with under 50 people are even worse than the average and they charged 1.33%.
Bottom line : As far as fees, the 401k's at small businesses are usually bad but big companies offer decent 401ks.
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June 13, 2016
500 Amazon Coins ($5 value) for $1
The current HumbleBumble deal has 500 Amazon coins for the "Pay what you want" price. The minimum you can pay is $1. So you can get 500 coins (worth $5 in app purchases) for $1. There are several other game items on the list, but nothing too special as far as I can see. But look for yourself, maybe you'll find other value.
Id' only recommend this if you've got something you particularly want on the Amazon app store that costs money and is worth spending money on. Theres tons of free apps out there so paying for apps is often wasting money. But theres exceptions.
Here's a link : E3 digital ticket
Or go to Humblebumble.com and follow the links to the game bundles.
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Id' only recommend this if you've got something you particularly want on the Amazon app store that costs money and is worth spending money on. Theres tons of free apps out there so paying for apps is often wasting money. But theres exceptions.
Here's a link : E3 digital ticket
Or go to Humblebumble.com and follow the links to the game bundles.
--
June 12, 2016
Large Business Percent of Jobs and Payroll By State
Nationally most jobs and most wages are at big companies (over 500 employees). 52% of all jobs and 58% of all wages in the USA are from big companies. But of course it varies by state. In Montana only 32% of jobs are from big companies and its 59% in Nevada. Montana again has the lowest wages from big companies at 39% and at the other end Georgia has the most wages at 62%.
I found data on employment based on firm size data on the SBA website. Specifically : Table 1- Number of firms, establishments, employment, and payroll by firm size, state, and industry
The following table shows the % of jobs that are with big companies and the % of wages earned by workers of big companies.
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I found data on employment based on firm size data on the SBA website. Specifically : Table 1- Number of firms, establishments, employment, and payroll by firm size, state, and industry
The following table shows the % of jobs that are with big companies and the % of wages earned by workers of big companies.
| State | jobs | pay |
| Alabama | 52% | 56% |
| Alaska | 46% | 53% |
| Arizona | 55% | 61% |
| Arkansas | 51% | 58% |
| California | 50% | 58% |
| Colorado | 51% | 58% |
| Connecticut | 51% | 59% |
| Delaware | 54% | 61% |
| District of Columbia | 52% | 57% |
| Florida | 57% | 60% |
| Georgia | 56% | 62% |
| Hawaii | 48% | 52% |
| Idaho | 44% | 51% |
| Illinois | 53% | 58% |
| Indiana | 53% | 59% |
| Iowa | 51% | 55% |
| Kansas | 48% | 54% |
| Kentucky | 54% | 59% |
| Louisiana | 46% | 52% |
| Maine | 43% | 48% |
| Maryland | 49% | 54% |
| Massachusetts | 54% | 60% |
| Michigan | 49% | 55% |
| Minnesota | 52% | 60% |
| Mississippi | 52% | 57% |
| Missouri | 52% | 59% |
| Montana | 32% | 39% |
| Nebraska | 52% | 58% |
| Nevada | 59% | 60% |
| New Hampshire | 48% | 51% |
| New Jersey | 50% | 58% |
| New Mexico | 45% | 50% |
| New York | 49% | 58% |
| North Carolina | 54% | 61% |
| North Dakota | 41% | 49% |
| Ohio | 53% | 60% |
| Oklahoma | 47% | 53% |
| Oregon | 44% | 53% |
| Pennsylvania | 53% | 59% |
| Rhode Island | 45% | 50% |
| South Carolina | 53% | 58% |
| South Dakota | 41% | 46% |
| Tennessee | 56% | 60% |
| Texas | 54% | 60% |
| Utah | 53% | 57% |
| Vermont | 41% | 41% |
| Virginia | 53% | 58% |
| Washington | 48% | 58% |
| West Virginia | 49% | 56% |
| Wisconsin | 49% | 56% |
| Wyoming | 38% | 47% |
| United States | 52% | 58% |
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June 10, 2016
Best of Blogs for Week of June 10th
Every Friday afternoon I share some of the more interesting or notable posts that I have seen in the personal finance blogs and other sources for the past week
MyMoneyBlog discusses If The Best Investors Do Nothing, Are the Next Best on Target Fund Auto-Pilot? which includes this "They found that the best investors were the people who had either forgotten they had an account in the first place — or were dead!"
BLS tells us that Quits account for 58 percent of all separations in April 2016
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MyMoneyBlog discusses If The Best Investors Do Nothing, Are the Next Best on Target Fund Auto-Pilot? which includes this "They found that the best investors were the people who had either forgotten they had an account in the first place — or were dead!"
BLS tells us that Quits account for 58 percent of all separations in April 2016
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June 9, 2016
Amazon Subscribe and Save Filler Items Under $2 for June 2016
Updated list of items under $2 eligible for Amazon Subscribe & Save :
Lots of good variety in the list right now...
Glade Solid Air Freshener, Honeysuckle Nectar, 6.0 Ounce = $0.84
Tom's of Maine Toothpaste Clean Mint Simply White, Trial Size, 0.9 Ounce = $1.10
TetraBetta Plus Floating Mini Pellets = $1.22
Pringles Nacho Cheese Tortilla Chips, 6.42 Ounce = $1.27
Suave Antiperspirant Deodorant, Shower Fresh 2.6 oz = $1.27
Vidal Sassoon Bobby Pins, Brown, 60 Count = $1.31
Pac-Kit 12-015 Antiseptic Povidone PVP Iodine Wipe (Box of 10)
= $1.33
Pac-Kit 1-009 Fabric Adhesive Light Woven Flexible Knuckle Bandage, 3" Length x 1-1/2" Width (Box of 8)
= $1.46
Vaseline Lip Therapy, Creme Brulee 0.25 oz
= $1.52
Pennant Red Pineapple Wedges, 8 Ounce = $1.68
Blue Coral 220064 High Foam Car Wash Concentrate, 20 oz. = $1.70
Wilton Pink Icing Tube = $1.70
Bostitch Premium Standard Staples, Full-Strip, 0.25 Inch Leg, 5,000 per Box (SBS191/4CP) = $1.70
GoodSense Allergy Relief Loratadine Tablets, 10 mg, Antihistamine, 30-Count = $1.75
True Lime Limeade Stick Pack, Black Cherry, 10 Count (1.06oz)
= $1.76
Special Tea Loose Leaf Black Tea, Cinnamon Roll, 1 Ounce = $1.90
GoodSense Nasal Decongestant Phenylephrine HCl 10 mg tablets, 72-count = $1.94
Zwipes Microfiber Glass and Window Cleaning Cloth, 2 Count = $1.95
I'm citing the price for each item including the 15% discount that you'd get with 5 items which is the point here.
I try to list a variety of items so you'll have a better chance of seeing something on this list that you'd actually get use out of so its not just bought and wasted.
Warning : If you use items off this list then make sure to watch them and cancel your subscription if you no longer want them or if the prices go up. The cheap items I find seem to change pretty quickly so they may have large price hikes or be removed from the subscribe and save program.
Prices change! Note the list will get out of date within days or weeks. I'll probably post a newer list before all of the above items are gone or have price increases. But if you can't find something good here you can always go to Amazon and search for Subscribe & Save and sort based on prices and poke around to find something cheap to use as a filler.
I've discussed before how you can get a better discount on Amazon Subscribe and Save purchases if you order 5 items at once. However if you don't buy a lot of stuff then it can be hard to come up with a 5 item order. However if your products are worth enough then it can be worth it to add some filler items to get up to 5 items to get the 15% discount.
Say for example, you want to buy a couple cases of Pampers Swaddlers Diapers that run $45.97 each with a normal purchase. With Subscribe and save you'd get a 5% discount.to get the price down to $43.67. But if you have 5 items in your S&S order then it is only $36.78 or a $6.89 savings. And if you're buying two of those then thats double or $13.78. Adding the 4 cheapest items listed here to the S&S order would only cost you $4.99 total with the 5 item discount so its worth buying those items to get you a net savings of $8.79.
Note if you don't want the filler items and only use them to get a 5 item discount then you can of course always give away the food items to someone you know or donate them to the local food bank.
--This article may contain referral links which pay this site a commission for purchases made at the sites.
Lots of good variety in the list right now...
Glade Solid Air Freshener, Honeysuckle Nectar, 6.0 Ounce = $0.84
Tom's of Maine Toothpaste Clean Mint Simply White, Trial Size, 0.9 Ounce = $1.10
TetraBetta Plus Floating Mini Pellets = $1.22
Pringles Nacho Cheese Tortilla Chips, 6.42 Ounce = $1.27
Suave Antiperspirant Deodorant, Shower Fresh 2.6 oz = $1.27
Vidal Sassoon Bobby Pins, Brown, 60 Count = $1.31
Pac-Kit 12-015 Antiseptic Povidone PVP Iodine Wipe (Box of 10)
= $1.33Pac-Kit 1-009 Fabric Adhesive Light Woven Flexible Knuckle Bandage, 3" Length x 1-1/2" Width (Box of 8)
= $1.46 = $1.52Pennant Red Pineapple Wedges, 8 Ounce = $1.68
Blue Coral 220064 High Foam Car Wash Concentrate, 20 oz. = $1.70
Wilton Pink Icing Tube = $1.70
Bostitch Premium Standard Staples, Full-Strip, 0.25 Inch Leg, 5,000 per Box (SBS191/4CP) = $1.70
GoodSense Allergy Relief Loratadine Tablets, 10 mg, Antihistamine, 30-Count = $1.75
= $1.76Special Tea Loose Leaf Black Tea, Cinnamon Roll, 1 Ounce = $1.90
GoodSense Nasal Decongestant Phenylephrine HCl 10 mg tablets, 72-count = $1.94
Zwipes Microfiber Glass and Window Cleaning Cloth, 2 Count = $1.95
I'm citing the price for each item including the 15% discount that you'd get with 5 items which is the point here.
I try to list a variety of items so you'll have a better chance of seeing something on this list that you'd actually get use out of so its not just bought and wasted.
Warning : If you use items off this list then make sure to watch them and cancel your subscription if you no longer want them or if the prices go up. The cheap items I find seem to change pretty quickly so they may have large price hikes or be removed from the subscribe and save program.
Prices change! Note the list will get out of date within days or weeks. I'll probably post a newer list before all of the above items are gone or have price increases. But if you can't find something good here you can always go to Amazon and search for Subscribe & Save and sort based on prices and poke around to find something cheap to use as a filler.
I've discussed before how you can get a better discount on Amazon Subscribe and Save purchases if you order 5 items at once. However if you don't buy a lot of stuff then it can be hard to come up with a 5 item order. However if your products are worth enough then it can be worth it to add some filler items to get up to 5 items to get the 15% discount.
Say for example, you want to buy a couple cases of Pampers Swaddlers Diapers that run $45.97 each with a normal purchase. With Subscribe and save you'd get a 5% discount.to get the price down to $43.67. But if you have 5 items in your S&S order then it is only $36.78 or a $6.89 savings. And if you're buying two of those then thats double or $13.78. Adding the 4 cheapest items listed here to the S&S order would only cost you $4.99 total with the 5 item discount so its worth buying those items to get you a net savings of $8.79.
Note if you don't want the filler items and only use them to get a 5 item discount then you can of course always give away the food items to someone you know or donate them to the local food bank.
--This article may contain referral links which pay this site a commission for purchases made at the sites.
June 8, 2016
Percent (%) Population Growth For Metropolitan Areas From 2014 to 2015
Source : Census.gov
First just the growth rates for cities that are over 1 million in population for 2015 :
| New York-Newark-Jersey City, NY-NJ-PA Metro Area | 20,182,305 | 0.4% |
| Los Angeles-Long Beach-Anaheim, CA Metro Area | 13,340,068 | 0.6% |
| Chicago-Naperville-Elgin, IL-IN-WI Metro Area | 9,551,031 | -0.1% |
| Dallas-Fort Worth-Arlington, TX Metro Area | 7,102,796 | 2.1% |
| Houston-The Woodlands-Sugar Land, TX Metro Area | 6,656,947 | 2.4% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area | 6,097,684 | 1.1% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metro Area | 6,069,875 | 0.3% |
| Miami-Fort Lauderdale-West Palm Beach, FL Metro Area | 6,012,331 | 1.3% |
| Atlanta-Sandy Springs-Roswell, GA Metro Area | 5,710,795 | 1.7% |
| Boston-Cambridge-Newton, MA-NH Metro Area | 4,774,321 | 0.7% |
| San Francisco-Oakland-Hayward, CA Metro Area | 4,656,132 | 1.3% |
| Phoenix-Mesa-Scottsdale, AZ Metro Area | 4,574,531 | 2.0% |
| Riverside-San Bernardino-Ontario, CA Metro Area | 4,489,159 | 1.1% |
| Detroit-Warren-Dearborn, MI Metro Area | 4,302,043 | 0.0% |
| Seattle-Tacoma-Bellevue, WA Metro Area | 3,733,580 | 1.7% |
| Minneapolis-St. Paul-Bloomington, MN-WI Metro Area | 3,524,583 | 0.8% |
| San Diego-Carlsbad, CA Metro Area | 3,299,521 | 1.0% |
| Tampa-St. Petersburg-Clearwater, FL Metro Area | 2,975,225 | 2.0% |
| Denver-Aurora-Lakewood, CO Metro Area | 2,814,330 | 2.1% |
| St. Louis, MO-IL Metro Area | 2,811,588 | 0.2% |
| Baltimore-Columbia-Towson, MD Metro Area | 2,797,407 | 0.4% |
| Charlotte-Concord-Gastonia, NC-SC Metro Area | 2,426,363 | 2.0% |
| Portland-Vancouver-Hillsboro, OR-WA Metro Area | 2,389,228 | 1.7% |
| Orlando-Kissimmee-Sanford, FL Metro Area | 2,387,138 | 2.6% |
| San Antonio-New Braunfels, TX Metro Area | 2,384,075 | 2.2% |
| Pittsburgh, PA Metro Area | 2,353,045 | -0.2% |
| Sacramento--Roseville--Arden-Arcade, CA Metro Area | 2,274,194 | 1.3% |
| San Juan-Carolina-Caguas, PR Metro Area | 2,196,538 | |
| Cincinnati, OH-KY-IN Metro Area | 2,157,719 | 0.4% |
| Las Vegas-Henderson-Paradise, NV Metro Area | 2,114,801 | 2.2% |
| Kansas City, MO-KS Metro Area | 2,087,471 | 0.8% |
| Cleveland-Elyria, OH Metro Area | 2,060,810 | -0.2% |
| Columbus, OH Metro Area | 2,021,632 | 1.2% |
| Austin-Round Rock, TX Metro Area | 2,000,860 | 3.0% |
| Indianapolis-Carmel-Anderson, IN Metro Area | 1,988,817 | 0.9% |
| San Jose-Sunnyvale-Santa Clara, CA Metro Area | 1,976,836 | 1.2% |
| Nashville-Davidson--Murfreesboro--Franklin, TN Metro Area | 1,830,345 | 2.0% |
| Virginia Beach-Norfolk-Newport News, VA-NC Metro Area | 1,724,876 | 0.4% |
| Providence-Warwick, RI-MA Metro Area | 1,613,070 | 0.2% |
| Milwaukee-Waukesha-West Allis, WI Metro Area | 1,575,747 | 0.1% |
| Jacksonville, FL Metro Area | 1,449,481 | 2.0% |
| Oklahoma City, OK Metro Area | 1,358,452 | 1.6% |
| Memphis, TN-MS-AR Metro Area | 1,344,127 | 0.1% |
| Louisville/Jefferson County, KY-IN Metro Area | 1,278,413 | 0.6% |
| Raleigh, NC Metro Area | 1,273,568 | 2.5% |
| Richmond, VA Metro Area | 1,271,334 | 0.9% |
| New Orleans-Metairie, LA Metro Area | 1,262,888 | 0.9% |
| Hartford-West Hartford-East Hartford, CT Metro Area | 1,211,324 | -0.2% |
| Salt Lake City, UT Metro Area | 1,170,266 | 1.4% |
| Birmingham-Hoover, AL Metro Area | 1,145,647 | 0.2% |
| Buffalo-Cheektowaga-Niagara Falls, NY Metro Area | 1,135,230 | -0.1% |
| Rochester, NY Metro Area | 1,081,954 | -0.2% |
| Grand Rapids-Wyoming, MI Metro Area | 1,038,583 | 0.9% |
| Tucson, AZ Metro Area | 1,010,025 | 0.6% |
Now the Top 20 highest growth rates for all metros :
| The Villages, FL Metro Area | 4.3% |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC Metro Area | 3.5% |
| Cape Coral-Fort Myers, FL Metro Area | 3.3% |
| Midland, TX Metro Area | 3.3% |
| Odessa, TX Metro Area | 3.3% |
| Greeley, CO Metro Area | 3.2% |
| Austin-Round Rock, TX Metro Area | 3.0% |
| Bend-Redmond, OR Metro Area | 2.9% |
| Punta Gorda, FL Metro Area | 2.8% |
| Fort Collins, CO Metro Area | 2.7% |
| North Port-Sarasota-Bradenton, FL Metro Area | 2.7% |
| Hilton Head Island-Bluffton-Beaufort, SC Metro Area | 2.6% |
| Orlando-Kissimmee-Sanford, FL Metro Area | 2.6% |
| Naples-Immokalee-Marco Island, FL Metro Area | 2.6% |
| College Station-Bryan, TX Metro Area | 2.6% |
| Raleigh, NC Metro Area | 2.5% |
| St. George, UT Metro Area | 2.5% |
| Houston-The Woodlands-Sugar Land, TX Metro Area | 2.4% |
| Charleston-North Charleston, SC Metro Area | 2.4% |
| Provo-Orem, UT Metro Area | 2.4% |
Top 20 shrinking cities :
| Farmington, NM Metro Area | -4.2% |
| Hinesville, GA Metro Area | -2.6% |
| Elizabethtown-Fort Knox, KY Metro Area | -2.2% |
| Pine Bluff, AR Metro Area | -1.1% |
| Watertown-Fort Drum, NY Metro Area | -1.1% |
| Decatur, IL Metro Area | -1.0% |
| Charleston, WV Metro Area | -1.0% |
| Albany, GA Metro Area | -1.0% |
| Saginaw, MI Metro Area | -0.9% |
| Wichita Falls, TX Metro Area | -0.9% |
| New Bern, NC Metro Area | -0.9% |
| Johnstown, PA Metro Area | -0.8% |
| Vineland-Bridgeton, NJ Metro Area | -0.8% |
| Michigan City-La Porte, IN Metro Area | -0.7% |
| Rocky Mount, NC Metro Area | -0.7% |
| Sierra Vista-Douglas, AZ Metro Area | -0.7% |
| Beckley, WV Metro Area | -0.7% |
| Danville, IL Metro Area | -0.7% |
| Ocean City, NJ Metro Area | -0.7% |
| Weirton-Steubenville, WV-OH Metro Area | -0.7% |
| Youngstown-Warren-Boardman, OH-PA Metro Area | -0.7% |
Here is the whole table of all metros alphabetically :
| Abilene, TX Metro Area | 0.7% |
| Akron, OH Metro Area | -0.1% |
| Albany, GA Metro Area | -1.0% |
| Albany, OR Metro Area | 1.1% |
| Albany-Schenectady-Troy, NY Metro Area | 0.2% |
| Albuquerque, NM Metro Area | 0.3% |
| Alexandria, LA Metro Area | -0.2% |
| Allentown-Bethlehem-Easton, PA-NJ Metro Area | 0.3% |
| Altoona, PA Metro Area | -0.3% |
| Amarillo, TX Metro Area | 0.4% |
| Ames, IA Metro Area | 0.6% |
| Anchorage, AK Metro Area | 0.3% |
| Ann Arbor, MI Metro Area | 0.5% |
| Anniston-Oxford-Jacksonville, AL Metro Area | -0.3% |
| Appleton, WI Metro Area | 0.7% |
| Asheville, NC Metro Area | 1.1% |
| Athens-Clarke County, GA Metro Area | 2.1% |
| Atlanta-Sandy Springs-Roswell, GA Metro Area | 1.7% |
| Atlantic City-Hammonton, NJ Metro Area | -0.5% |
| Auburn-Opelika, AL Metro Area | 1.7% |
| Augusta-Richmond County, GA-SC Metro Area | 1.2% |
| Austin-Round Rock, TX Metro Area | 3.0% |
| Bakersfield, CA Metro Area | 0.9% |
| Baltimore-Columbia-Towson, MD Metro Area | 0.4% |
| Bangor, ME Metro Area | -0.5% |
| Barnstable Town, MA Metro Area | -0.2% |
| Baton Rouge, LA Metro Area | 0.6% |
| Battle Creek, MI Metro Area | -0.4% |
| Bay City, MI Metro Area | -0.6% |
| Beaumont-Port Arthur, TX Metro Area | 0.7% |
| Beckley, WV Metro Area | -0.7% |
| Bellingham, WA Metro Area | 1.8% |
| Bend-Redmond, OR Metro Area | 2.9% |
| Billings, MT Metro Area | 0.9% |
| Binghamton, NY Metro Area | -0.6% |
| Birmingham-Hoover, AL Metro Area | 0.2% |
| Bismarck, ND Metro Area | 2.2% |
| Blacksburg-Christiansburg-Radford, VA Metro Area | 0.2% |
| Bloomington, IL Metro Area | -0.5% |
| Bloomington, IN Metro Area | 0.6% |
| Bloomsburg-Berwick, PA Metro Area | -0.4% |
| Boise City, ID Metro Area | 1.8% |
| Boston-Cambridge-Newton, MA-NH Metro Area | 0.7% |
| Boulder, CO Metro Area | 1.8% |
| Bowling Green, KY Metro Area | 1.5% |
| Bremerton-Silverdale, WA Metro Area | 2.2% |
| Bridgeport-Stamford-Norwalk, CT Metro Area | 0.2% |
| Brownsville-Harlingen, TX Metro Area | 0.4% |
| Brunswick, GA Metro Area | 1.1% |
| Buffalo-Cheektowaga-Niagara Falls, NY Metro Area | -0.1% |
| Burlington, NC Metro Area | 1.2% |
| Burlington-South Burlington, VT Metro Area | 0.3% |
| California-Lexington Park, MD Metro Area | 1.0% |
| Canton-Massillon, OH Metro Area | -0.2% |
| Cape Coral-Fort Myers, FL Metro Area | 3.3% |
| Cape Girardeau, MO-IL Metro Area | 0.0% |
| Carbondale-Marion, IL Metro Area | 0.1% |
| Carson City, NV Metro Area | 0.1% |
| Casper, WY Metro Area | 0.7% |
| Cedar Rapids, IA Metro Area | 0.8% |
| Chambersburg-Waynesboro, PA Metro Area | 0.4% |
| Champaign-Urbana, IL Metro Area | 0.6% |
| Charleston, WV Metro Area | -1.0% |
| Charleston-North Charleston, SC Metro Area | 2.4% |
| Charlotte-Concord-Gastonia, NC-SC Metro Area | 2.0% |
| Charlottesville, VA Metro Area | 1.2% |
| Chattanooga, TN-GA Metro Area | 0.7% |
| Cheyenne, WY Metro Area | 0.7% |
| Chicago-Naperville-Elgin, IL-IN-WI Metro Area | -0.1% |
| Chico, CA Metro Area | 0.6% |
| Cincinnati, OH-KY-IN Metro Area | 0.4% |
| Clarksville, TN-KY Metro Area | 1.1% |
| Cleveland, TN Metro Area | 0.9% |
| Cleveland-Elyria, OH Metro Area | -0.2% |
| Coeur d'Alene, ID Metro Area | 2.1% |
| College Station-Bryan, TX Metro Area | 2.6% |
| Colorado Springs, CO Metro Area | 1.7% |
| Columbia, MO Metro Area | 1.1% |
| Columbia, SC Metro Area | 1.3% |
| Columbus, GA-AL Metro Area | -0.2% |
| Columbus, IN Metro Area | 1.2% |
| Columbus, OH Metro Area | 1.2% |
| Corpus Christi, TX Metro Area | 0.9% |
| Corvallis, OR Metro Area | 1.3% |
| Crestview-Fort Walton Beach-Destin, FL Metro Area | 1.9% |
| Cumberland, MD-WV Metro Area | -0.6% |
| Dallas-Fort Worth-Arlington, TX Metro Area | 2.1% |
| Dalton, GA Metro Area | 0.6% |
| Danville, IL Metro Area | -0.7% |
| Daphne-Fairhope-Foley, AL Metro Area | 2.0% |
| Davenport-Moline-Rock Island, IA-IL Metro Area | -0.1% |
| Dayton, OH Metro Area | 0.0% |
| Decatur, AL Metro Area | -0.3% |
| Decatur, IL Metro Area | -1.0% |
| Deltona-Daytona Beach-Ormond Beach, FL Metro Area | 2.1% |
| Denver-Aurora-Lakewood, CO Metro Area | 2.1% |
| Des Moines-West Des Moines, IA Metro Area | 1.8% |
| Detroit-Warren-Dearborn, MI Metro Area | 0.0% |
| Dothan, AL Metro Area | 0.1% |
| Dover, DE Metro Area | 1.0% |
| Dubuque, IA Metro Area | 0.6% |
| Duluth, MN-WI Metro Area | -0.1% |
| Durham-Chapel Hill, NC Metro Area | 1.7% |
| East Stroudsburg, PA Metro Area | -0.5% |
| Eau Claire, WI Metro Area | 0.3% |
| El Centro, CA Metro Area | 0.5% |
| El Paso, TX Metro Area | 0.0% |
| Elizabethtown-Fort Knox, KY Metro Area | -2.2% |
| Elkhart-Goshen, IN Metro Area | 0.9% |
| Elmira, NY Metro Area | -0.5% |
| Erie, PA Metro Area | -0.3% |
| Eugene, OR Metro Area | 1.2% |
| Evansville, IN-KY Metro Area | 0.2% |
| Fairbanks, AK Metro Area | 0.3% |
| Fargo, ND-MN Metro Area | 2.3% |
| Farmington, NM Metro Area | -4.2% |
| Fayetteville, NC Metro Area | -0.3% |
| Fayetteville-Springdale-Rogers, AR-MO Metro Area | 2.3% |
| Flagstaff, AZ Metro Area | 1.1% |
| Flint, MI Metro Area | -0.5% |
| Florence, SC Metro Area | -0.1% |
| Florence-Muscle Shoals, AL Metro Area | -0.4% |
| Fond du Lac, WI Metro Area | 0.0% |
| Fort Collins, CO Metro Area | 2.7% |
| Fort Smith, AR-OK Metro Area | 0.2% |
| Fort Wayne, IN Metro Area | 0.7% |
| Fresno, CA Metro Area | 1.0% |
| Gadsden, AL Metro Area | -0.4% |
| Gainesville, FL Metro Area | 1.3% |
| Gainesville, GA Metro Area | 1.6% |
| Gettysburg, PA Metro Area | 0.5% |
| Glens Falls, NY Metro Area | -0.3% |
| Goldsboro, NC Metro Area | -0.3% |
| Grand Forks, ND-MN Metro Area | 0.7% |
| Grand Island, NE Metro Area | 0.4% |
| Grand Junction, CO Metro Area | 0.4% |
| Grand Rapids-Wyoming, MI Metro Area | 0.9% |
| Grants Pass, OR Metro Area | 1.4% |
| Great Falls, MT Metro Area | 0.0% |
| Greeley, CO Metro Area | 3.2% |
| Green Bay, WI Metro Area | 0.6% |
| Greensboro-High Point, NC Metro Area | 0.6% |
| Greenville, NC Metro Area | 0.4% |
| Greenville-Anderson-Mauldin, SC Metro Area | 1.4% |
| Gulfport-Biloxi-Pascagoula, MS Metro Area | 0.8% |
| Hagerstown-Martinsburg, MD-WV Metro Area | 0.6% |
| Hammond, LA Metro Area | 1.4% |
| Hanford-Corcoran, CA Metro Area | 0.6% |
| Harrisburg-Carlisle, PA Metro Area | 0.7% |
| Harrisonburg, VA Metro Area | 0.6% |
| Hartford-West Hartford-East Hartford, CT Metro Area | -0.2% |
| Hattiesburg, MS Metro Area | 0.5% |
| Hickory-Lenoir-Morganton, NC Metro Area | 0.1% |
| Hilton Head Island-Bluffton-Beaufort, SC Metro Area | 2.6% |
| Hinesville, GA Metro Area | -2.6% |
| Homosassa Springs, FL Metro Area | 1.3% |
| Hot Springs, AR Metro Area | 0.0% |
| Houma-Thibodaux, LA Metro Area | 0.4% |
| Houston-The Woodlands-Sugar Land, TX Metro Area | 2.4% |
| Huntington-Ashland, WV-KY-OH Metro Area | -0.4% |
| Huntsville, AL Metro Area | 0.9% |
| Idaho Falls, ID Metro Area | 1.2% |
| Indianapolis-Carmel-Anderson, IN Metro Area | 0.9% |
| Iowa City, IA Metro Area | 1.2% |
| Ithaca, NY Metro Area | 0.2% |
| Jackson, MI Metro Area | -0.1% |
| Jackson, MS Metro Area | 0.1% |
| Jackson, TN Metro Area | -0.3% |
| Jacksonville, FL Metro Area | 2.0% |
| Jacksonville, NC Metro Area | 0.6% |
| Janesville-Beloit, WI Metro Area | 0.1% |
| Jefferson City, MO Metro Area | 0.2% |
| Johnson City, TN Metro Area | 0.2% |
| Johnstown, PA Metro Area | -0.8% |
| Jonesboro, AR Metro Area | 1.2% |
| Joplin, MO Metro Area | 0.6% |
| Kahului-Wailuku-Lahaina, HI Metro Area | 0.8% |
| Kalamazoo-Portage, MI Metro Area | 0.4% |
| Kankakee, IL Metro Area | -0.5% |
| Kansas City, MO-KS Metro Area | 0.8% |
| Kennewick-Richland, WA Metro Area | 1.7% |
| Killeen-Temple, TX Metro Area | 1.4% |
| Kingsport-Bristol-Bristol, TN-VA Metro Area | -0.2% |
| Kingston, NY Metro Area | -0.4% |
| Knoxville, TN Metro Area | 0.5% |
| Kokomo, IN Metro Area | -0.2% |
| La Crosse-Onalaska, WI-MN Metro Area | 0.3% |
| Lafayette, LA Metro Area | 1.0% |
| Lafayette-West Lafayette, IN Metro Area | 1.0% |
| Lake Charles, LA Metro Area | 1.0% |
| Lake Havasu City-Kingman, AZ Metro Area | 0.7% |
| Lakeland-Winter Haven, FL Metro Area | 2.3% |
| Lancaster, PA Metro Area | 0.6% |
| Lansing-East Lansing, MI Metro Area | 0.4% |
| Laredo, TX Metro Area | 1.0% |
| Las Cruces, NM Metro Area | 0.1% |
| Las Vegas-Henderson-Paradise, NV Metro Area | 2.2% |
| Lawrence, KS Metro Area | 1.4% |
| Lawton, OK Metro Area | -0.5% |
| Lebanon, PA Metro Area | 0.6% |
| Lewiston, ID-WA Metro Area | 0.1% |
| Lewiston-Auburn, ME Metro Area | -0.2% |
| Lexington-Fayette, KY Metro Area | 1.1% |
| Lima, OH Metro Area | -0.6% |
| Lincoln, NE Metro Area | 1.2% |
| Little Rock-North Little Rock-Conway, AR Metro Area | 0.4% |
| Logan, UT-ID Metro Area | 1.9% |
| Longview, TX Metro Area | 0.5% |
| Longview, WA Metro Area | 1.2% |
| Los Angeles-Long Beach-Anaheim, CA Metro Area | 0.6% |
| Louisville/Jefferson County, KY-IN Metro Area | 0.6% |
| Lubbock, TX Metro Area | 1.5% |
| Lynchburg, VA Metro Area | 0.7% |
| Macon, GA Metro Area | -0.2% |
| Madera, CA Metro Area | 0.3% |
| Madison, WI Metro Area | 1.1% |
| Manchester-Nashua, NH Metro Area | 0.3% |
| Manhattan, KS Metro Area | 1.0% |
| Mankato-North Mankato, MN Metro Area | 0.4% |
| Mansfield, OH Metro Area | -0.2% |
| McAllen-Edinburg-Mission, TX Metro Area | 1.3% |
| Medford, OR Metro Area | 1.1% |
| Memphis, TN-MS-AR Metro Area | 0.1% |
| Merced, CA Metro Area | 0.9% |
| Miami-Fort Lauderdale-West Palm Beach, FL Metro Area | 1.3% |
| Michigan City-La Porte, IN Metro Area | -0.7% |
| Midland, MI Metro Area | 0.2% |
| Midland, TX Metro Area | 3.3% |
| Milwaukee-Waukesha-West Allis, WI Metro Area | 0.1% |
| Minneapolis-St. Paul-Bloomington, MN-WI Metro Area | 0.8% |
| Missoula, MT Metro Area | 1.3% |
| Mobile, AL Metro Area | 0.1% |
| Modesto, CA Metro Area | 1.2% |
| Monroe, LA Metro Area | 0.3% |
| Monroe, MI Metro Area | -0.3% |
| Montgomery, AL Metro Area | 0.1% |
| Morgantown, WV Metro Area | 1.0% |
| Morristown, TN Metro Area | 0.8% |
| Mount Vernon-Anacortes, WA Metro Area | 1.3% |
| Muncie, IN Metro Area | -0.3% |
| Muskegon, MI Metro Area | 0.3% |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC Metro Area | 3.5% |
| Napa, CA Metro Area | 0.6% |
| Naples-Immokalee-Marco Island, FL Metro Area | 2.6% |
| Nashville-Davidson--Murfreesboro--Franklin, TN Metro Area | 2.0% |
| New Bern, NC Metro Area | -0.9% |
| New Haven-Milford, CT Metro Area | -0.2% |
| New Orleans-Metairie, LA Metro Area | 0.9% |
| New York-Newark-Jersey City, NY-NJ-PA Metro Area | 0.4% |
| Niles-Benton Harbor, MI Metro Area | -0.4% |
| North Port-Sarasota-Bradenton, FL Metro Area | 2.7% |
| Norwich-New London, CT Metro Area | -0.3% |
| Ocala, FL Metro Area | 1.3% |
| Ocean City, NJ Metro Area | -0.7% |
| Odessa, TX Metro Area | 3.3% |
| Ogden-Clearfield, UT Metro Area | 1.7% |
| Oklahoma City, OK Metro Area | 1.6% |
| Olympia-Tumwater, WA Metro Area | 1.3% |
| Omaha-Council Bluffs, NE-IA Metro Area | 1.1% |
| Orlando-Kissimmee-Sanford, FL Metro Area | 2.6% |
| Oshkosh-Neenah, WI Metro Area | -0.1% |
| Owensboro, KY Metro Area | 0.8% |
| Oxnard-Thousand Oaks-Ventura, CA Metro Area | 0.5% |
| Palm Bay-Melbourne-Titusville, FL Metro Area | 2.0% |
| Panama City, FL Metro Area | 1.5% |
| Parkersburg-Vienna, WV Metro Area | 0.1% |
| Pensacola-Ferry Pass-Brent, FL Metro Area | 1.2% |
| Peoria, IL Metro Area | -0.5% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD Metro Area | 0.3% |
| Phoenix-Mesa-Scottsdale, AZ Metro Area | 2.0% |
| Pine Bluff, AR Metro Area | -1.1% |
| Pittsburgh, PA Metro Area | -0.2% |
| Pittsfield, MA Metro Area | -0.6% |
| Pocatello, ID Metro Area | 0.3% |
| Port St. Lucie, FL Metro Area | 2.3% |
| Portland-South Portland, ME Metro Area | 0.5% |
| Portland-Vancouver-Hillsboro, OR-WA Metro Area | 1.7% |
| Prescott, AZ Metro Area | 1.6% |
| Providence-Warwick, RI-MA Metro Area | 0.2% |
| Provo-Orem, UT Metro Area | 2.4% |
| Pueblo, CO Metro Area | 1.1% |
| Punta Gorda, FL Metro Area | 2.8% |
| Racine, WI Metro Area | 0.0% |
| Raleigh, NC Metro Area | 2.5% |
| Rapid City, SD Metro Area | 0.4% |
| Reading, PA Metro Area | 0.2% |
| Redding, CA Metro Area | -0.1% |
| Reno, NV Metro Area | 1.5% |
| Richmond, VA Metro Area | 0.9% |
| Riverside-San Bernardino-Ontario, CA Metro Area | 1.1% |
| Roanoke, VA Metro Area | 0.3% |
| Rochester, MN Metro Area | 0.6% |
| Rochester, NY Metro Area | -0.2% |
| Rockford, IL Metro Area | -0.5% |
| Rocky Mount, NC Metro Area | -0.7% |
| Rome, GA Metro Area | 0.5% |
| Sacramento--Roseville--Arden-Arcade, CA Metro Area | 1.3% |
| Saginaw, MI Metro Area | -0.9% |
| Salem, OR Metro Area | 1.6% |
| Salinas, CA Metro Area | 0.6% |
| Salisbury, MD-DE Metro Area | 1.4% |
| Salt Lake City, UT Metro Area | 1.4% |
| San Angelo, TX Metro Area | 1.0% |
| San Antonio-New Braunfels, TX Metro Area | 2.2% |
| San Diego-Carlsbad, CA Metro Area | 1.0% |
| San Francisco-Oakland-Hayward, CA Metro Area | 1.3% |
| San Jose-Sunnyvale-Santa Clara, CA Metro Area | 1.2% |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA Metro Area | 0.8% |
| Santa Cruz-Watsonville, CA Metro Area | 1.0% |
| Santa Fe, NM Metro Area | 0.5% |
| Santa Maria-Santa Barbara, CA Metro Area | 0.8% |
| Santa Rosa, CA Metro Area | 0.5% |
| Savannah, GA Metro Area | 1.8% |
| Scranton--Wilkes-Barre--Hazleton, PA Metro Area | -0.3% |
| Seattle-Tacoma-Bellevue, WA Metro Area | 1.7% |
| Sebastian-Vero Beach, FL Metro Area | 2.2% |
| Sebring, FL Metro Area | 1.4% |
| Sheboygan, WI Metro Area | 0.3% |
| Sherman-Denison, TX Metro Area | 1.7% |
| Shreveport-Bossier City, LA Metro Area | -0.2% |
| Sierra Vista-Douglas, AZ Metro Area | -0.7% |
| Sioux City, IA-NE-SD Metro Area | 0.1% |
| Sioux Falls, SD Metro Area | 1.5% |
| South Bend-Mishawaka, IN-MI Metro Area | 0.2% |
| Spartanburg, SC Metro Area | 1.1% |
| Spokane-Spokane Valley, WA Metro Area | 1.3% |
| Springfield, IL Metro Area | -0.2% |
| Springfield, MA Metro Area | 0.2% |
| Springfield, MO Metro Area | 0.9% |
| Springfield, OH Metro Area | -0.4% |
| St. Cloud, MN Metro Area | 1.0% |
| St. George, UT Metro Area | 2.5% |
| St. Joseph, MO-KS Metro Area | -0.4% |
| St. Louis, MO-IL Metro Area | 0.2% |
| State College, PA Metro Area | 0.7% |
| Staunton-Waynesboro, VA Metro Area | 0.4% |
| Stockton-Lodi, CA Metro Area | 1.5% |
| Sumter, SC Metro Area | -0.4% |
| Syracuse, NY Metro Area | -0.2% |
| Tallahassee, FL Metro Area | 0.6% |
| Tampa-St. Petersburg-Clearwater, FL Metro Area | 2.0% |
| Terre Haute, IN Metro Area | -0.2% |
| Texarkana, TX-AR Metro Area | 0.3% |
| The Villages, FL Metro Area | 4.3% |
| Toledo, OH Metro Area | -0.1% |
| Topeka, KS Metro Area | 0.0% |
| Trenton, NJ Metro Area | -0.1% |
| Tucson, AZ Metro Area | 0.6% |
| Tulsa, OK Metro Area | 1.1% |
| Tuscaloosa, AL Metro Area | 0.8% |
| Tyler, TX Metro Area | 1.3% |
| Urban Honolulu, HI Metro Area | 0.7% |
| Utica-Rome, NY Metro Area | -0.5% |
| Valdosta, GA Metro Area | -0.4% |
| Vallejo-Fairfield, CA Metro Area | 1.2% |
| Victoria, TX Metro Area | 1.2% |
| Vineland-Bridgeton, NJ Metro Area | -0.8% |
| Virginia Beach-Norfolk-Newport News, VA-NC Metro Area | 0.4% |
| Visalia-Porterville, CA Metro Area | 0.6% |
| Waco, TX Metro Area | 1.0% |
| Walla Walla, WA Metro Area | 0.8% |
| Warner Robins, GA Metro Area | 0.3% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV Metro Area | 1.1% |
| Waterloo-Cedar Falls, IA Metro Area | 0.3% |
| Watertown-Fort Drum, NY Metro Area | -1.1% |
| Wausau, WI Metro Area | 0.2% |
| Weirton-Steubenville, WV-OH Metro Area | -0.7% |
| Wenatchee, WA Metro Area | 1.5% |
| Wheeling, WV-OH Metro Area | -0.5% |
| Wichita Falls, TX Metro Area | -0.9% |
| Wichita, KS Metro Area | 0.5% |
| Williamsport, PA Metro Area | -0.4% |
| Wilmington, NC Metro Area | 1.9% |
| Winchester, VA-WV Metro Area | 0.4% |
| Winston-Salem, NC Metro Area | 0.6% |
| Worcester, MA-CT Metro Area | 0.4% |
| Yakima, WA Metro Area | 0.5% |
| York-Hanover, PA Metro Area | 0.4% |
| Youngstown-Warren-Boardman, OH-PA Metro Area | -0.7% |
| Yuba City, CA Metro Area | 0.9% |
| Yuma, AZ Metro Area | 0.4% |
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