The Washington Post Vs. Splitwise

On February 2nd, the US Supreme Court decided that the Fair Housing Act does not apply to roommate searches. The upshot of this decision is that people are free to conduct roommate searches based on sex, religion, marital or family status. That is, you can “discriminate” as much as you please in picking your roommates (but not if you are a landlord renting to tenants).

A recent opinion piece in the Washington Post praised this decision. It’s worth taking the author, Riger Oliveri, seriously – she is an associate Dean at University of Missouri Law School who has studied discrimination in Craigslist posts, and she practiced Civil Rights law at the Justice Department.

While broadly expressing support for the Supreme Court’s arguments, Oliveri adds that preserving choice in roommates will keep government regulation out of the home for non-traditional living arrangements as well. For instance, unmarried couples living together won’t have to fear government regulation according to the logic of this opinion (the case was against Roommates.com).

I take a slightly more nuanced view of the opinion. I share Oliveri’s enthusiasm for keeping regulation out of the privacy of the home. Picking roommates based on religion, gender, and family status makes sense – these create understandable and important practical issues inside a residence. For instance, the Fair Housing Act was clearly not intended to force people to live with people of the opposite gender against their will. What I am concerned about is that racially based roommate discrimination was not addressed by the opinion.

In tight housing markets like Boston or New York, one of the only affordable ways to rent is to find roommates with spare bedrooms. If there are no protections for searchers, I worry that racist roommate postings could keep a minority group out of a neighborhood entirely. This is exactly what the Fair Housing Act was designed to prevent.

Fortunately, Oliveri’s own study shows that this isn’t a very large issue at present. In her work, she finds only 9.7% of the posts seeking roommates on Craigslist would have violated the Fair Housing Act. Since most roommate posts only discriminated based family status, there is little evidence that roommate racism is a pervasive problem. Hopefully, this Supreme Court decision will not change people’s behavior in the future.

To summarize: I don’t object to the Supreme Court’s decision because choosing roommates based on gender, religion, and family status is clearly legitimate. I agree with Oliveri that the Fair Housing Act is too broad and would create too much regulation inside the home if it applied to roommate choice. My hope is that common decency will keep racist roommate ads to an insignificant fraction. If that proves too optimistic a hope, then we may yet see another law or another Supreme Court case.

The Joys Of Living With Your Tenants

I feel odd linking to a NASDAQ page about shared real estate, but there was a nice article on one of the NASDAQ blogs recently about renting out rooms of a house or apartment that you own – that is, being a landlord in your own home. Apparently, the 2011 US Census has concluded that over 30% of households in the US now have unrelated adults living together, which comes to 69M roommates (and a 10.7% increase over the 2007 figure). This means the potential market for property owners to share their residence with renters is increasing rather quickly.

Renting part of a place you own is an appealing option for people who are living in a house that is now too big for them to afford. For instance, parents who have an empty-nest can rent out their kids old bedroom to get some retirement income. Or a young professional who wants to go back to graduate school can get some positive cash flow if they own some property.

If you’re able to get a mortgage, renting out the other rooms of a residence can also be a good way to live affordably while slowly buying the place you’re sharing. With interest rates low, and the sale-price-to rental-price-ratio declining in many major US cities, it’s getting easier and easier to pull-off paying off a mortgage with rental income.

The main trick to doing this well yourself is to find and keep good tenants / roommates, which can be a tough proposition. Finding roommates means ensuring your personal security and doing appropriate tenant screening. There are also a couple of things to watch out for: have some legal protection, pay taxes, and follow Fair Housing rules when advertising for tenants. (the NASDAQ article does not mention this, but the exact rules of fair housing legislation seem more subtle now in light of a recent court case).

The New Monthly Summary And Google Charts

An example of the new monthly summary graphics in action.

If you are a Splitwise user, you might have noticed this month that we added pie charts to our monthly summary emails. Ryan and I figured out how to do this the night before the emails went out – we were surprised how easy it was to do with the Google Charts API. Technical gibberish after the jump.
Continue reading The New Monthly Summary And Google Charts

Ryan’s Hourly Comics

Ryan's preferred method of public communication is finger-sketches. Did y'all like the new monthly summary charts?

Are you waiting with bated breath for Ryan to program a new feature on Splitwise’s main web app? Well, let me introduce a whole new way to stalk him.

Ryan has done hourly comics for the last 3 years, “in homage to John Campbell’s brilliant hourly comic.” As part of this multi-year project, our beloved, highly talented, semi-insane co-founder posts one comic per waking hour from his custom-built iPad app. March is his month of comics this year, so you can creepily track his productivity hour-by-hour at pinchpad.com. Several of them have already been about Splitwise development, of course. Continue reading Ryan’s Hourly Comics

Fixing Non-English Names inside Splitwise

Hi non-English Splitwise users,

We’ve noticed that our database upgrade caused some people’s names (users with non-English letters in their name) to be encoded weirdly.

There’s an easy fix: just correctly re-type your name in the “My Account” settings at the top right of the screen. Sorry about this, and thanks for your patience. Walk-through after the jump. Continue reading Fixing Non-English Names inside Splitwise

Making Splitwise Faster

(Updated 3AM) Splitwise just went through some “impromptu scheduled downtime” to make improvements to our server, and Splitwise is now way faster. We still are gathering data, but it seems to be about a factor of two more snappy. We apologize only giving a few minutes advance warning, but it’s so much snappier and it finished right on time! You’ll love it.

Thanks so much for bearing with our growing pains, and sorry to any users affected in the last hour or two. Technical details after the jump. Continue reading Making Splitwise Faster