A lesson for men in Portland wearing suits

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One thing most people notice when they walk around Portland, OR is that it is a pretty causual city. If you are showing up for a business meeting more often than not, niether party will be wearing a tie, let alone a suit. If you do show up in a suit, the preverbial question, 'Who's the car salesman?' will likely come out.

That being said, there are a few professions or occasions where dressing like Barney Stinson is a must. (Watch 'How I met Your Mother' if you don't know who Barney is, it's worth it!)  For example, it's coming into wedding season and hopefully interview season!  As it is commonly known, it rains a fair amount here in the northwest. So, all of the weddings get crammed into about a 4 month period.  Also, when the sun comes out, jobs seem to pop their heads out as well.  This means it's time to dust off the ol' suit, make sure it still fits, and probably get it cleaned. If it doesn't fit, it's time to pick up a new one or get it tailored.

All this being said, here is an article that I though was worth of passing on.  Read and learn 'whether to button, or not to button':


Men’s Fashion: Part 1, Suits

— Rosecrans Baldwin and Andrew Womack are the founding editors of The Morning News.

It’s the one thing every man should own: a suit. THE EDITORS salute the suit’s ability to withstand expiration, bask in its enduring appeal, and offer advice on what to look for when you’re off to buy your own. If only we could be there to say, “Suits you, sir!”

A mask tells us more than a face.

—Oscar Wilde

Introduction to the Series

Welcome to the first installment of The Morning News Men’s Fashion Guide. Over the course of four articles, The Morning News will open its closets and show what we’ve learned: our sartorial successes, our embarrassing failures (involving capes in one case, dreadlocks in another), and our underwear, which we find both embarrassing and successful.

This week we’ll explain what we like, what we hate, and what we don’t know about suits, with shopping tips included. These lessons have been prepared over years of bad and good shopping, and are written for the ground-floor dresser, guaranteed trend-proof. Indulge in your vanity and join us in ours.
And now, the man’s little black dress if he could wear it into battle: the suit.

On Suits

Everyone wants to be Cary Grant. Even I want to be Cary Grant.

—Cary Grant

Without suits, men would have nothing. In the hierarchy of style, a good suit remains a man’s only trump card. Even in this sad age of casual-wear, the suit still carries an air of success, taste, and sophistication. It is designed to make you look better, to break boundaries between social classes, to make a small man tall with pinstripes or a fat man rich with soft wools. The suit looks good in restaurants, trains, dinner parties or Paris; in short, everywhere you want to be. It is, in its best forms, a complete outfit that will never fail you.

And that is exactly what it will do, if you treat it right. Unfortunately the majority of suits you see look awful. This isn’t necessary. Even if you work ten hours with your jacket on, being mindful of your clothing will keep you ready for cocktails after work. Too many men either don’t care or don’t know how to wear a suit, and, suitably, look like shit. This is worth avoiding.

To start us off, a few general rules should be observed when approaching a suit, and most apply to good dressing in general:

•The suit, no matter the style, needs to fit your body, closely. This means all pieces should be cut and tailored appropriate to your form. Surprisingly, this doesn’t require a lot of money ($500 can, in fact, get you a good suit) but it does take an eye, and the strength to ignore any saccharine compliments from salesmen.

•Trends have six-to-eighteen-month shelf lives. If you plan to retire your suit in this window, feel free to splurge. Otherwise, shop considerately.

•Suits are made of wool or cotton, and their variations. Additional fabrics need not apply.

•You are an interesting, confident, multi-hued man. Let others learn that from how you behave, not from the label on your jacket.

•A suit jacket goes with suit pants, not with jeans or chinos. If you want a casual jacket, buy a sport-coat or a blazer. Stand-up comedians are regularly shot over this rule.

•If you’re not comfortable—if you don’t feel the suit’s appropriate for you—the salesman’s looking out for his commission, not your style.

•A modestly, well-dressed man has never failed to impress. Yes, never.

Assuming you’re not an investment banker, you don’t need ten suits; you only need four. This means you can be a discerning shopper and spend time accumulating, then keeping your suits in good condition (dry clean once a year, then more for spills; don’t you dare iron it yourself). Think of the process in terms of collecting, spending years searching for that one original-packaged Chewbacca.

The Fab Four

1. The Standard Blue: Great for business, lunches, New York Mayors, summer dinners, or casual parties. Can be worn with black or brown shoes, even white if you’re daring. Reflects well by a pool. Standard blue means navy, with no room for paler shades, even if you went to U.N.C.

2. The Classic Gray: Appropriate for everything and even makes a red-head look dandy. Grays also are the best with patterns, especially anything in the chevron family. Start with plain, move to window-pane. Even such, the gray is never controversial. It’s the Switzerland of suits.

3. The Basic Black: Our favorite and the perennial classic, it’s a fit at the Oscars or your sister’s wedding, the perfect compliment to a good white shirt, beloved by gangsters, designers, and undertakers (those jobs with the highest doses of fashion-conscious aptitudes; respectively, aggression, vanity, and wisdom). If you only own one suit, this is it. You can even be buried in it.

4. Any of the above, with pinstripes.

The Jacket

So. You’ve picked your color and you’re ready for the fit. First comes the jacket. Never was a suit bought for the pants and repeatedly worn afterwards. Pants are easily adjusted by a tailor, jackets can only have minor improvements. Think of true love: it must be close to just-right at first, with a slight thrill when you put it on, the coup de foudre as the French say.

First off: are you a single-breasted man or a double? While both styles can fit most body types, single-breasted jackets tend to flatter the slim while double-breasted jackets make the broad look mighty. This doesn’t imply being “skinny&” or “fat,” it’s simply about your tits; hence the term “breasted.” Choose the jacket style that you can best fill out—from there you’ll always look best. David Letterman, who can rarely be found not wearing a double-breasted jacket, skirts this rule by sitting behind a desk. Notice how uncomfortable he is during the monologue, fussing with his buttons while standing full-view before the camera.

To those opting for the single-breasted jacket, you’ll have to choose how many buttons you want. One? Hmm. Two? Excellent. And returning in popularity. Three? Certainly good, and was much sought-after in the recent past though it’s now reached near total market saturation. But, still classic, and hopefully always available.

Of course, jackets also come in four-, five-, and six-button styles, each with their own fifteen minutes of fame. Four-button jackets have been sported by everyone from The Beatles to Steve Harvey. Can you sport one? Of course! But no, not this season…

Last, the fit. Like we said before, close to the body, but no wrinkles when you button. Vents, double or single, are preferred to the vent-less jacket that, nine times out of ten, looks like a giant condom from behind. Shoulder pads should be avoided—you’re no linebacker—but a tailor will gouge you if you show up post-purchase and ask him to reduce the heft.

Finally, before we move onto trousers, there is one ticklish in-between: the vest. We can put this simply. If you’re ready to buy a vest, you’re either old enough to sport one or dangerously disillusioned. A good rule of thumb: Alfred Hitchcock looked great in vests. Young Jimmy Stewart looked out of his league. Pick your man.

The Trousers

You must now choose a trouser style. There have been, in the history of men’s trousers, a few trends that fucked with a good thing: bell-bottoms, bibs, clam-diggers, “cargo.” Unfortunately, all of these styles eventually found their way into suits.

Men, generally, will take any pants that come with a jacket. Being men, we want some control over how they look—“How they work,” thinks the man—but not too much. Hence, the cuffs-or-no-cuffs debate. Ask a man what he thinks of his pants and he’ll say, “Yeah, I had to go no-cuffs.” We won’t help you here except to say: cuffs are older, no-cuffs are not. Choose according to your image of yourself.

Next comes the pleats question: The only times pleats are wanted is in the single-pleat case, on a pair of wool pants. The case should be that the pants look crisp and well-folded, rather than puckered. How to tell the difference? Think of a pair of pants recently back from the dry cleaner. Remember the line down the middle of the leg. Does your new pleat-to-be look like that? If not, drop the hanger and run.

After cuffs and pleats, you need to worry about waist, swish, drape, belt-loops, ass-hugging, crotch-dangling, and whether or not you need a watch pocket. This is beyond our advice. Suffice to say, your ass is probably less than marble, though it shouldn’t be treated like a towel hook. Pants shouldn’t blow like a scarf in the breeze. The best way to judge a pair of pants is to ask yourself, “Would I wear these pants on a date without the jacket?” If so, they’re fine. If not, move on.

Finally, a salesman will often ask if you’d like to buy two pairs of pants for the suit. The idea is you can alternate pants with the jacket so they wear evenly over time, but since pants can be so easily ruined, you always have a back-up pair. This is similar to electronics store people trying to sell you insurance on an air conditioner; if you have the money, it’s not a bad idea, but it also isn’t necessary.

So now that you’ve picked out your suit, you have to know how to wear it. We’ll assume you know the basics of putting the thing on. (Yes, the jacket part goes on top.) And this brings us to buttoning. It is a historic dilemma, faced by every man. Here, for you, is our easy-to-remember rulebook:

•Two-button jacket: Button the top button, only, ever. Button the bottom button and you’ll look like a stooge. That’s really all there is to it.

•Three-button jacket: Button either the middle button alone or the top two. Important: the bottom button does not meet its hole. It will plead before a date, just when your stomach’s boiling, “Hey! Friend! Button me once, please. I’m sure we’ll look fine. Come on! Just once!” But you will not give in, you will be strong.

* * *

Now the suit’s on, and you’re ready to go. Comb your hair, have a cocktail, head out for the evening. Travel lightly when you go, meaning don’t bulge your pockets with a Bible-sized wallet. Your outside jacket pockets, in fact, should never be used unless your companion asks; at that moment chuck your pretensions and stuff them full. When you get home, brush down the suit, hang it evenly, and keep it in a bag. Wear it often, with pride, and don’t take shit for looking good. After all, no one can be Cary Grant, but everyone can try.

Oh yeah, another thing: Don’t roll up the jacket sleeves Miami-Vice style. We say this now, but then again, considering the fickle nature of fashion, don’t hold us to it.

Foreclosures plateau - finally. Repossessions soar

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The wave of foreclosures is far from over, but hopefully this is a sign that it's at least going to be trending down.  I have read for years that it would take 3-5 years to get through all of the troubled mortgages.  Well, in 2008 things really started to cruble and low and behold we are about 2.5 years past that.  So, but the 5 year scale we are half way though, and are hopefully going down!  Here's an article from CNNMoney that I thought was worth posting.

By Les Christie, staff writerMay 13, 2010: 7:55 AM ET

NEW YORK (CNNMoney.com) -- The foreclosure plague may have finally reached its peak in April 2010 -- but don't expect delinquency statistics to plummet anytime soon.

The total number of foreclosure filings -- notices of default, auction notices and bank repossessions -- fell by 9% from March to April, and 2% compared with April 2009, according to data released Thursday by RealtyTrac, the online marketer of foreclosed properties.

This is the first time that has happened in the history of the report, which goes back to January 2006.

But the number of homes repossessed during April is at an all-time high of 92,432. That is a 45% increase over April 2009. If repossessions continue at this pace, more than 1.1 million homes will be lost in 2010.

"There were two important milestones in the April numbers that show foreclosure activity has begun to plateau, but at a very high level that will not drop off in the near future," said RealtyTrac CEO James Saccacio.

Saccacio said he expects the pattern to become the norm for many months, with the overall numbers of filings staying high, but not increasing, and repossessions remaining at record levels.

The reason that repossessions can rise while filings hold steady is that lenders are working through a backlog of delinquent properties, taking more of them through the entire process to repossession, rather than letting them linger in limbo.

Walkaways

The numbers of repossessed properties, also called real-estate owned or REOs, have been boosted by a spike in the number of homeowners voluntarily giving up their homes because their the value has dropped so precipitously.

These "strategic defaults" now account for nearly one in three foreclosures, according to a recent report from the University of Chicago Booth School of Business and Northwestern's Kellogg School of Management. That's up from 22% 12 months earlier.

Some homeowners walk away when they are "underwater," owing far more than the value of their home, because they realize that they will never recoup the losses. The further homeowners fall underwater, the more likely they are to leave.

About one in four U.S. homeowners is underwater, according to CoreLogic, a financial data provider. Nearly 5 million of those borrowers owe mortgage debt that exceeds their property values by 25% or more. The total of negative equity in these deeply underwater borrowers is a whopping $655 billion.

Foreclosure epicenters

Nevada continues to rank as the worst-hit foreclosure state, with one of every 69 households receiving some kind of filing. That's nearly six times the national rate which is one household for every 387 receiving a filing.

Foreclosures: How bad is your state?

Arizona had the second highest rate; Florida the third; and California the fourth. California, the largest state in the union, had nearly 70,000 filings, more than any other state. Michigan, where the vast number of foreclosures can be traced to job losses and economic turmoil, recorded more than 19,000.

The metro area market that recorded the highest rate of foreclosure filings in April was Las Vegas, where one of every 60 homes was delinquent, Second was Modesto, Calif., with one in 101, and neighboring Merced, where one in 104 homeowners was in some stage of default.