The online versus traditional classroom debate has been going on for some time now. You can't get through one blog on eLearning or modern education without finding a discussion of the pros and cons of the digital classroom and online degree programs. The debate has been going for some time now and has seen many different facets and opinions. While online schools were shunned from the start, today they have grown and flourished into highly regarded institutions for higher learning. Today, rather than simply disregarding online learning as a lesser option to brick-and-mortar schools, people are beginning to see the two entities as options for different learning styles and lifestyles. There are many people who can benefit and really grow from their experience in the online classroom. Online learning facilitates many of the same skills traditional learning does, but has a few added elements. As our society becomes more and more married to the online and digital world, a comfort and ease in these areas becomes very important in the professional world.  The following three skills, essential in the corporate world today, are established and perfected in the online classroom.

1. Scitable:

   Scitable, created by NatureEducation, is an online collaborative space for science learning. Visitors to the site can browse or search through science articles and ebooks, ask experts science-related questions, build an online classroom, or even share their own content. Materials on the site are focused on the life sciences, but there are also numerous resources that can help learners start or accelerate a career in science.
   

2. TVO:

   Similar to PBS, the Ontario-based television station offers many of the same educational resources and opportunities for learning. Even if you can’t tune in live, you can take advantage of dozens of videos on topics like science, nature, business, tech, education, and culture. Connected to TVO is Big Ideas, a site that offers videos that touch on important and engaging topics like mathematics, economics, and even urban design. Other resources include educational tools for parents and kids, civics education on Canadian government, and access to loads of compelling documentaries.
   

3. Saylor:

   While sites like Coursera and Udacity have been drawing the most attention on the free education front these days, Saylor has largely flown under the radar. Created in 2008, the site offers nearly 250 free courses online, with topics centered on the 10 highest enrollment majors in the U.S. In addition to taking classes, learners can participate in discussion forums (organized by topic), track courses and print transcripts, and may soon even be able to access free textbooks.

4. GCF LearnFree.org:

   This North Carolina-based site is produced by Goodwill Industries and focuses on helping people from all walks of life build skills in technology, literacy, and math that will help them find work. All classes offered by the site are entirely free, and even come complete with mobile apps that make it possible to learn on-the-go. Currently, there are over 750 free lessons that teach everything from how to use Microsoft Office to basic addition and subtraction.
   

5. University of the People:

   The brainchild of educational entrepreneur Shai Reshef, University of the People is a tuition-fee, nonprofit, online academic institution that offers access to undergraduate degree programs in business administration and computer science. It maintains relationships with Yale, NYU, Hewlett-Packard, and the Catalyst Initiative to supply students with opportunities for research, future study, and internships. While the site focuses on helping learners in developing nations, students from nearly 130 different nations have been accepted (tuition is free, but you still have to apply).
   

6. Engineering for Change:

   Engineering for Change isn’t a traditional learning site with videos, courses, and lessons. Instead, it’s a live, interactive webcast that allows participants to learn and interact with others in engineering. It’s also a chance to play an active role in helping to solve humanitarian engineering issues. A new topic is addressed every month, and anyone interested in becoming more involved or learning more about engineering is encouraged to sign up.
   

7. The Faculty Project:

   Through The Faculty Project, learners can get access to professors from prestigious schools like Dartmouth, Vassar, Duke, and Northwestern, to name just a few. There are dozens of courses and lectures to choose from, covering a broad spectrum of topics. Launched just this year, the site is slowly building up a great collection of resources that can help students learn through video, PDF, PowerPoint, discussion boards, and educational articles.
   

8. Textbook Revolution:

   There are a growing number of sites out there that are dedicated to providing users with access to free textbooks. Textbook Revolution is among them, and while it hasn’t received as much attention as some others, it’s still a solid place to look for free educational resources. Currently, the site offers up access to dozens of textbooks, ranging in topic from accounting to chemistry.
   

9. Learnthat:

   Learnthat is an excellent place to explore tutorials that cover business, technology, and finance. Visitors to the site can learn how to improve their skills in Excel, digital marketing, or even management, through hundreds of helpful articles, videos, and photos.
   

10. University of Reddit:

    Most web-savvy individuals have heard of Reddit, but many may not be familiar with the University of Reddit. The site offers anyone the chance to share their expertise through class lectures and videos with others in the web. Currently, the site is home to educational materials in art, computer science, general studies, language, math, music, philosophy, science, and social studies, which means most things are covered. If they’re not, learners are always welcome to add their own educational content.
    

11. MentorMob:

    MentorMob doesn’t supply any educational content of its own, but is an excellent tool for bringing together resources from other sites, organizing them, and sharing them with others. Users can create their own “playlists” of educational material or browse through existing collections compiled by other users. While it has been featured in a number of major publications, the site doesn’t have the widespread attention that others generate, but that could change as the Pinterest-like functionality helps users to create incredibly useful lists for learning.
    

12. Memrise:

    Memrise promises to help users learn through a combination of brain science, fun, and community. Much of the content is game-based and highly visual, offering visitors to the site the chance to boost their skills in a variety of languages, or even to learn more about topics like cheese, herbs, and fish.
    

13. LearnersTV:

    LearnersTV brings together videos, audio lectures, science animations, lecture notes, online tests, presentations, and publications to offers visitors a wide range of material with which to learn. Those looking for an in-depth experience can find entire courses, while those just doing cursory research can browse through short articles and PowerPoints.
    

14. Grovo:

    Knowing how to use technology is an essential skill in today’s job market, but with so many new technologies popping up all the time, it can be hard to keep up with them all. That’s where Grovo can help. The online learning site specializes in offering video lessons on top Internet products. Visitors to the site can expand their knowledge of sites like Twitter, Gmail, Facebook, and WordPress, or just learn a bit more about netiquette and online marketing.
    

15. Alison:

    Alison offers free online courses and certification through 400 different courses in 10 different course categories. Launched in 2007, the site helps people from around the world earn certification in topics like legal studies, psychology, health studies, project management, and human resources. All content is free but to get a copy of your certification, you’ll have to shell out about $20.
    
 

You may already provide your new hires with some sort of technical training to help them perform their specific jobs according to your standards. You may not, however, provide them with any sort of training that will enhance their general performance as staff members. There are numerous e-learning courses and online training options available to employers that help employees gain the essential professional skills they sometimes lack. If you're deciding or re-evaluating which e-learning courses you invest in for your new hires, you may want to consider these useful types of courses:

When someone studies to become a teacher, they learn a number of different teaching strategies that help them effectively impart knowledge to students. Corporate trainers with advanced degrees in adult education are also often exposed to similar strategies as a part of their academic preparation. In contrast, many internal employees who take on training duties at their companies aren't familiar with effective teaching strategies. Many of them are selected to train new and current employees because they are good at their jobs and not necessarily because they're skilled educators. Unfortunately, this can mean that their training efforts don't quite achieve the desired results.

Business training programs constantly need to be updated in order to keep employees up-to-date on the latest techniques and research in their field. The right training program can quickly teach current employees and new hires the skills they need to know in a short period of time. Additionally, they should be easily accessible and offer detailed explanations that can allow employees to retain the information they learn. Currently, e-learning programs are becoming one of the most frequently used training programs in businesses as they offer a convenient way to teach a wide variety of information to employees in a way that is innovative and fun. Therefore, the following techniques should be used by any company that wants to offer the most effective e-learning programs to their employees.

As more and more people desire flexibility while getting their education so they can keep their full-time jobs or raise their family, many are pursuing online programs. Though some people are skeptical about their effectiveness, online programs have mastered the use of technology to ensure that students have easy access to learning. That said, there are a few techniques employers can use from online programs that can help during new hire training, especially for remote workers.  Let’s take a look at these techniques.

It’s not every employee’s favorite task but it’s time for your online training course and you would rather sift through your emails than make the time to log on. But you know you have to get it done. Don’t let other work distractions get in the way of your course; here are 5 tricks to stay focused:

Schedule it: Depending on how long your online course is, schedule it into your calendar and set a reminder. Making time for it, instead of just finding the time, will help you actually complete the work. Adjust your day accordingly to fit around your training course.

Time it: Choose to take the course during your lightest time of the day and when you are most ready to work. Typically the first two hours after lunch or when you first arrive at work are good times. 

Close your door: Don’t be afraid to close your door and post a ‘do not disturb’ sign. Keeping your door closed will deter people from walking into your office and distracting you.

Log off: Log off your email and any other websites that are distracting, including your company's internal instant message application. Log off and stay off until your course is complete.

Turn off notifications: Turn your phone ringer off on both your cell phone and work phone until you complete your course. You can even turn off your email notifications to help you remain on task.

When it comes to human organs, none is quite so mysterious as the brain. For centuries, humans have had numerous misconceptions and misunderstandings about how the organ works, grows, and shapes our ability to learn and develop. While we still have a long way to go before we truly unravel all the mysteries the brain has to offer, scientists have been making some major breakthroughs that have gone a long way in explaining both how the brain functions and how we use it to organize, recall, and acquire new information. Here, we list just a few of the biggest and most impactful of these breakthroughs that have contributed to our understanding of the science of learning.

1. More information doesn’t mean more learning.

   
   The brain is equipped to tackle a pretty hefty load of information and sensory input, but there is a point at which the brain becomes overwhelmed, an effect scientists call cognitive overload. While our brains do appreciate new and novel information, as we’ll discuss later, when there is too much of it we become overwhelmed as our minds simply can’t divide our attention between all the different elements vying for it. This term has become a major talking point in criticisms of multi-tasking and in the modern information-saturated online sphere, but the discovery of this cognitive phenomenon also has major implications for education. In order to reduce mental noise, teachers have had to take new approaches to presenting material, using techniques like chunking, focusing on past experiences, and eliminating non-essential elements to help students remember a large body of information.

2. The brain is a highly dynamic organ.

   
   Until the past few decades, people believed that the connections between the neurons in your brain were fixed by the time you were a teenager, and perhaps even earlier. One of the biggest breakthroughs in understanding the science of learning happened when scientists began to realize that this just wasn’t the case. In fact, the brain’s wiring can change at any age and it can grow new neurons and adapt to new situations, though the rate at which this happens does slow with age. This phenomenon is called neuroplasticity, and it has had major ramifications in our understanding of how the brain works and how we can use that understanding to improve learning outcomes.

3. Emotion influences the ability to learn.

   
   The ability to learn, retain, and use information isn’t just based on our raw IQs. Over the past few decades it has become increasingly clear that how we feel and our overall emotional state can have a major impact on how well we can learn new things. Educational situations where students feel stressed, shamed, or just uncomfortable can actually make it more difficult for them to learn, increasing negative emotions and sparking a vicious cycle that may leave some children reluctant to attend class. Research is revealing why, as the emotional part of the brain, the limbic system has the ability to open up or shut off access to learning and memory. When under stress or anxiety, the brain blocks access to higher processing and stops forming new connections, making it difficult or impossible to learn. It may seem like common sense that classrooms should be welcoming, non-stressful environments, but different students have different triggers for negative emotional states, making it key for educators to watch for signs that indicate this in students.

4. Mistakes are an essential part of learning.

   
   Failure is a dirty word in most aspects of modern American society, but when it comes to the science of learning, research shows that they’re essential. A recent study found that students performed better in school and felt more confident when they were told that failure was a normal part of learning, bolstering a growing body of research that suggests much of the same. Much like it takes multiple tries to get the hang of riding a bike or completing an acrobatic feat, it can also take multiple tries to master an academic task. Neuroscience research suggests that the best way to learn something new isn’t to focus on mistakes but instead to concentrate on how to do a task correctly. Focusing on the error only reinforces the existing incorrect neural pathway, and will increase the chance that the mistake will be made again. A new pathway has to be built, which means abandoning the old one and letting go of that mistake. This idea has formed the basis for a growing debate about education in American schools, which many believe doesn’t allow children to embrace creativity and problem solving as they are too focused on memorization and test scores.

5. The brain needs novelty.

   
   Turns out boredom really can kill you, or at least your will to pay attention and learn. Repetition may have its place in learning, but what the brain really craves is novelty. Researchers have found that novelty causes the dopamine system in the brain to become activated, sending the chemical throughout the brain. While we often regard dopamine as the “feel good” chemical, scientists have shown that it actually plays a much bigger role, encouraging feelings of motivation and prompting the brain to learn about these new and novel stimuli. This breakthrough has led to some major changes in how we think about learning, and has motivated many schools to embrace learning methods that cater to our brains’ need for new and different experiences.

6. There are no learning styles.

   
   What kind of learner are you? Chances are good that at some point during your educational career someone labeled you as a particular type of learner, either visual, auditory, or kinesthetic. This idea that there are distinct types of learners who learn best with certain assortment of stimuli has been showing up in education and brain science for decades, but recent studies have shown that this idea really doesn’t hold much water. Students may have preferences for how they learn, but when put to the test, students were found to have equivalent levels of learning regardless of how information is presented. Attention to the individual talents, preferences, and abilities of students, which helps to cater to the emotional and social needs of students and improves their ability to learn, is more important than styles (of which there have been 71 different models over the past few decades).

7. Brains operate on the “use it or lose it” principle.

   
   There’s a reason that you forget how to speak a language or work out a trigonometry problem if you don’t use those skills on a regular basis. Information in the brain that isn’t used is often lost, as neural pathways are weakened over time. Research has found that the brain generates more cells than it needs, with those that receive both chemical and electrical stimuli surviving and the rest dying off. The brain has to receive regular stimulation through a given pathway in the brain to sustain those cells, which is why lifelong learning is so important to brain health. These findings also have implications for vacations in K-12 education as well, as students who don’t get intellectual stimulation over the summer are much more likely to forget important skills in reading and math when they return to class.

8. Learning is social.

   
   While some select individuals may learn well cloistered in a library with a stack of books, the majority of people need a social environment to maximize their learning. Research has found that from infancy on, people learn better through social cues, much more easily recalling and emulating the actions or words of another human. Aside from social cues, socialization has been shown to have other learning benefits. Peer collaboration offers students access to a diverse array of experiences and requires the use of nearly all the body’s senses, which in turn creates greater activation throughout the brain and enhances long-term memory. Group work, especially when it capitalizes on the strengths of its members, may be more beneficial than many realize, both for teachers and their students.

9. Learning is best when innate abilities are capitalized on.

   
   All of us, from the time we are born, possess innate abilities to see and hear patterns, something that psychologists doubted was true for decades but that we now know to be the case. Research suggests that reinforcing those innate capabilities by teaching patterns early on may actually help kids learn more and sharpen their brains. Aside from being able to see and hear patterns, the human mind has a number of innate abilities (the ability to learn a language, for instance) that when capitalized on in the right way, can help make learning any concept, even one that is abstract, much easier. Combining these innate abilities with structured practice, repetition, and training can help make new ideas and concepts “stick” and make more sense.

10. Learning can change brain structure.

    
    Brain structure and function are intertwined, and you can’t improve one without taking the other into consideration. Yet, in years past, most ideas about learning ignored ways that the brain’s structure itself could be modified, instead focusing on brain function or the brain’s output. The reality is that brain function can only be changed through changing brain structure, which is actually less complicated than it sounds. For example, brain cells fired up during both perception and action overlap in people, and lessons that engage both allow students to more easily identify with their teachers and to learn concepts more quickly, as their brain cells are getting twice the attention and workout. In fact, any new information, if used enough, can modify the structure of the brain, something educators and neuroscientists are just starting to fully explore. 

For several years, employers have tried to develop "relevant" and creative ways to successfully train new employees. After all, employees are more likely to pay attention to training videos and seminars if they can actually relate to the content. While there have been some pretty outrageous attempts over the years—just take a look at the 1989 Wendy's training (music) video designed to instruct new hires how to properly pour coffee—some of the methods do work.

With the introduction of tablets like the iPad, working outside of the office has become streamlined. No longer are employees and entrepreneurs chained to their desks and laptops.

MBA courses are full of all sorts of people at varying stages of their lives. There are those who start head strong right after completing their undergrad, while others wait a couple of years before re-immersing themselves in their studies. Then there are those who wait even longer—10-15 years sometimes—before heading back to school and hitting the books.

From PDAs to cell phones to tablets, there's no denying the ever-increasing presence of technology in our world. It’s so pervasive that it's pretty much standard practice for employees to receive company-issued computers and phones on their first day.  But what about the growing tablet market?

Compared to smart phones, tablets have infiltrated the population at a much quicker rate. A recent study found that in just under two years, more than 40 million Americans became owners of some form of tablet—be it an iPad, Kindle, etc. With more and more people acquiring the new gadgets, it's only natural that companies jump on board as well—and many have. From law firms to elementary schools, more employers are recognizing the device's pull and are therefore changing policies and procedures to incorporate increased use of the technology. So what does this mean for the workplace?

According to the latest statistics from ASTD (American Society for Training & Development), U.S. companies spent almost $126B on employee education in 2010. A good portion of that was spent on e-learning. While remote education is now a popular and cost-effective method for providing access to the continuing education employees need, businesses shouldn't depend solely on this method. Rather, companies should blend e-learning with face-to-face learning by sending them to live industry conferences. Continue reading to learn three reasons you should send some of your employees to conferences.

Increase Networking Opportunities
One benefit of in-person conferences is that your employees can meet interesting and knowledgeable people who may inspire them to go “above and beyond” once they return to work. In-person conferences also provide opportunities for your employees to ask questions and exchange ideas with industry experts, conference speakers, and other attendees. These types of interactions are most effective when conducted in-person.

Capitalize on Internal Talent
At live conferences, attendees are often exposed to some of the most up-to-date and modern business techniques and products used in your industry. Your employees may return to their jobs with new ideas that can be applied within your company which may transform and improve some aspect of your organization. In addition, your employees’ new-found knowledge could save you money since you would have less need to recruit “new blood.” This makes good business sense since your current employees have already proven their value and loyalty, unlike new talent that you may recruit.

Make Employees Happier
Finally, an employee who attends a conference in another city or state may greatly appreciate the opportunity to enjoy a short break from the office, attend interesting sessions at the conference, and enhance their knowledge. It can be rejuvenating, refreshing, and stimulating. They should return to work more inspired and motivated as a result of their experience.

Guest Blog Contributor By-line:
This guest post was contributed by Angelita Williams, who writes on the topic of online courses. She welcomes your comments at her email id: angelita.williams7@gmail.com.

11. Speeek!: Contains over 1,500 useful phrases while traveling overseas. By simply talking into your iPhone in English, Speeek! will find the phrase and speak it in Chinese.
12. Events Finder: Provides events from multiple event sources, such as Upcoming, Eventbrite, and TicketStumbler, all in one application.
13. iSayHello: Speak German, English, French, Portuguese, Italian, Spanish or Polish. Choose your language course and off you go with the language travel guide. This easy-to-use talking travel dictionary with superb audio output is more of a vocabulary trainer and dictionary than a translation program.
14. New York on Tap: New York on Tap was designed to help people find great bars in New York City. It’ll also help you locate the nearest subway and help you figure out where to go next.
15. Payless Car Rental: Rent a Car using your iPhone. Travelers can view, modify, or cancel their reservation using the iPhone. "Call to Book" button connects the customer directly to Payless Car Rental’s call center.
16. Bell Hop: Find photos, information, rates and more on this fast, easy-to-use lodging mobile search.
17. London Travel Guide: Packed full of cool features our London Travel Guides are everything you that would expect from an electronic tour guide, only it’s free.
18. Good Food: GoodFood by Goodrec is the best way to find great places to eat! See what other users love and hate.
19. TripIt: Use your iPhone to access your TripIt itineraries whether you’re online, offline or in airplane mode. TripIt is the best way to organize and share your travel plans. Forward your travel confirmation emails to plans@tripit.com, and TripIt automatically creates a master itinerary for your trip, with detailed information about flights, hotels, rental cars and much more. It also includes maps, driving directions and local weather.
20. SushiGuru: Take SushiGuru with you to sound like a pro when you order sushi. SushiGuru provides you with a searchable database of over 200 entries of Japanese and English names of sushi and sushi rolls.

21. Art. Learn all about great artists and their works with this factbook app that also lets you quiz yourself to see how much you are learning.
22. Art Gallery Premium. With over 7,500 works of art in their database, you can bring up your favorite famous work of art on your iPhone or browse to learn about artists you might not know.
23. Art Envi Deluxe. Like having a giant museum in your phone, this app contains works by famous artists as well as specialized categories such as Japanese art.
24. Kaleido. While not high on boosting knowledge, any art lover will appreciate taking photos and creating kaleidoscope effects with them.
25. Photo Lab Daily. This free version allow you to take a photo with your iPhone and once a day you can use the Photo Lab tools to enhance your photos. There is a version available for a fee if you want to do more than one a day.
26. MyPaint Free. Finger paint on a blank canvas or use one of your photos from your photo roll to find your artistic talent with this app.
27. Pencil Pusher. This app allows you to draw as if with a pencil. Write, erase, choose from a variety of backgrounds, choose colors, and more.
28. Bonsai. Learn the traditional art of bonsai care with this app that provides you the opportunity to adjust water, trim the tree, and monitor its overall health.

29. Taber’s Medical Dictionary. Touting 30% more medical terms than other medical dictionaries, this one offers definitions, photos, Patient Care Statements, and more.
30. Registered Nurse. Any nurse studying for the NCLEX exam will love this app that provides a practice exam that tests you in over 20 different subjects.
31. Normal Lab Values. Medical professionals or anyone interested in learning more about laboratory results will appreciate having normal values readily available.
32. Medical Drugs. This app provides detailed information on hundreds of pharmaceutical medications.
33. Diagnosaurus DDx. With over 1,000 diagnoses, anyone can perform differential diagnosis quickly and easily with this app.
34. MedCards. This app replaces the laminated cards physicians carry around and also allows anyone interested in learning to have instant reference to such things as EKG values, Mental Status Exam guide, Snellen chart, and more.
35. MedAbbreviations. Get over 13,000 medical abbreviations with definitions, explanations, a search feature, and more.
36. Skyscape Medical Resources. Find all kinds of medical information such as drug information, evidence-based clinical information, medical calculator, and a med-alert based on a specialty of your choosing.
37. Human Atlas. Geared for medical professionals, patients, and consumers, get a 3D explanation along with over 150 common medical treatments and conditions.
38. Medical Exam. Whether you are studying for your medical exam or just want to have a profound knowledge of medicine, this app helps you learn from 14 different categories.

39. Where to Golf: Gives golfers all the information about a golf course and how to get there. Whether on business, on vacation or in your home town, you’re only a touch away from finding the course you’re looking for.
40. Tetris: Take Tetris for a spin on your iPhone and iPod Touch to experience new twists and enhanced graphics. Drag, Flick and Poke your way through 15 challenging levels.
41. Sudoku: This application has more than 10,000 puzzles. So enjoy one of America’s favorite games, but try to get some work done, too.
42. Crossword: This is a very thorough Crossword application with various levels of difficulty.
43. Word Warp: Make words out of the six jumbled letters provided at each game’s start.
44. Cube Runner: Think eSnakei for current generation telephones. Boatloads of fun, just don’t run your boat into the cubes.
45. Topple: Topple is a quick, tower building game that is theoretically simple yet surprisingly addictive.
46. Trism: A little bit like Bejeweled meets Tetris, Trism stands alone as a distinctive, fun and brain-taxing challenge.
47. Wurdle: a Boggle-like word game available in the iTunes app store. The game is jammed-packed with features, challenging, and most of all, it’s fun.
48. 400 Free iPhone Games: The perfect cure for boredom. This go-to site has 400 free games, from logic cames to old-school arcade games.

49. USA Factbook Free: This reference packet is great for anyone in a civics, history or political science course that covers the U.S. Access key documents, lists of the flags, state capitals and other stats.
50. Stars: Anatomy students can use this tool as a resource when studying constellations.
51. The Chemical Tough: Lite Edition: View the periodic table when you download this free app.
52. Formulas Free: This app brings you free calculus formulas.
53. iQuotations: Look up quotes to use in papers or just as general inspiration.
54. Math Ref Free: Get free reference packs for geometry, algebra, trig, derivatives and more.
55. AllTheCountries: Get facts about literacy rate, economy, population, area and more for every country.
56. Your Rights: Use this app for political science courses or just as backup when you get into trouble at school.
57. iTranslator: Study abroad students and panicked foreign language students can use this tool to connect to Google Translator, Babel Fish or Free Translation.
58. Quickpedia Lite: This app makes it easier and faster to use Wikipedia.

59. Jourist Visual PhraseBook English. Use this visual aid with 20 different languages to help you show the person what you mean. It also include the written phrase in both English and your target language.
60. iTranslate Ultimate. Translate words between English, Spanish, German, French, and Italian, then have the words repeated back to you in the target language with this app.
61. Translator with Voice. Get translations in 34 different languages with voice support on most of them.
62. DragonDian. Use this dictionary to draw Chinese characters to quickly and easily find an English translation.
63. WordPower Lite – Italian. This free app gives you one Italian word a day to practice and master by listening to audio, recording and playing back your own voice, and using flashcards.
64. iSpeak Spanish. Translate between Spanish and English with this app that also allows you to hear words spoken in high quality English and Spanish voices.
65. Gengo Flashcards – French. This app uses visual cues and the voices of native French speakers with flashcards to help you learn French. Take a picture of any object, then add the French and English words to it, and you have created your own flashcard to add to the stack.
66. Lonely Planet Japanese Phrasebook. Whether traveling or learning Japanese, use this app to get over 600 written and spoken Japanese phrases.
67. Byki German. Learn German in no time with this app that includes native speakers, quizzes, and a phrasebook.
68. WordPower – Thai. Listen to 2000 Thai words for proper pronunciation and see the words and phrases in three versions–original Thai, Romanized, and English.

69. Inquisitor: This super fast search tool also makes suggestions for your searches.
70. Last.fm: Search music, artists and more with Last.fm for the iPhone.
71. Repairpal: This app will help you find auto repair shop and support.
72. Job Search: Indeed.com’s search application lets you find jobs by location and job description.
73. SearchMe: SearchMe is a new way to search the web on your phone. Unlike all other search engines that return a bunch of links, SearchMe lets you see a "coverflow" of pages that match your search results.
74. U.S. Historical Documents: U.S. Historical Documents contains over 100 of the most influential documents in U.S. history and they will be stored directly on your iPhone/iTouch. Quickly and easily find any text from any document with the fastest and most powerful search engine available on the iPhone.
75. 3GPS OS 3.0: 3GPS OS 3.0 tells you how fast, high and where you are. Whether you’re climbing a hill, touring or running a marathon, with 3GPS OS 3.0 your iPhone shows your current altitude, speed and course.

Article by Guest Blog Contributor Karen Schweitzer.

Are you an instructor or trainer looking for new ways to entertain and engage your students online? The Internet is loaded with free tools, blogs, and informational sites that are designed to aid and improve your courses. Here is a list of 20 free eLearning and training resources worth checking out:

Tools

• CourseLab - CourseLab offers a free eLearning authoring tool that can be used to effectively create web-based training. Some of the features users will find with this system include layout, editing, rich-media support, rapid development, testing, and interactivity.
• MyiCourse - Instructors can use this site to create free online courses or universities for educational material. MyiCourse gives users the ability to create public or private courses on just about anything.
• Utilium - Utilium is a free beta site that provides instructors with the tools they need for organizing and sharing learning materials. This site makes it easy to inspire and engage students through videos, articles, podcasts, and other rich sources.
• Prezi - Prezi is a unique presentation tool that uses zooming technology instead of slides. With Prezi your ideas flow freely on a stage that can be zoomed in on and out of for further explanation.
• Yugma - This free online conferencing tool makes it easy to host web conferences and online meetings. With Yugma Free, users can share their desktop with up to 20 attendees.
• Open Huddle - Open Huddle is a beta site for presenting or instructing people online. This site provides you with files, video, audio, chat, and drawing boards for interacting and collaborating with your students.
• Campfire - Campfire can be used for online group chat and education. This site allows users to instantly create password-protected chat rooms for collaborating and working out important questions. Campfire comes at a cost, but users can try it free for 30 days.
• Slideshare - Slideshare provides a way to upload and share presentations. Once the presentations are uploaded, they can be shared privately or publicly and work well for webinars.
• SourceForge - This site provides a free authoring application that can be used to assist instructors in creating free eLearning seminars. SourceForge employs the eXeLearning tool which provides the ability to publish web content without knowing HTML or XML markup.
• ClassMarker - ClassMarker features a free way for instructors or presenters to test students online. Simply sign up for a free account for access to an array a quiz creating materials. The quizzes can even be linked directly to websites or emails.

Blogs

• eLearningLearning - eLearningLearning is an online community blog dedicated to organizing and collecting material about eLearning. Within this blog, users can find information about eLearning technology and media, events, and ideas.
• eLearning Technology - eLearning Technology is a blog that provides information and resources on the latest in the business of learning. Just a few of the concepts discussed in this blog include trends, software, rapid eLearning tools, and open source eLearning.
• eLearningSpace - The eLearningSpace blog offers information, knowledge, and networks that are specifically designed for eLearning instructors.
• Corporate eLearning Strategies and Development - This blog provides information that explores technology for eLearning. Within this blog, instructors can find resources, ideas, technology, and more.
• Thoughts from Training Time - This blog deals with the issues and ideas that can be found in corporate and government training.

Informational Sites

• eLearningPost - The eLearningPost site provides blogs and articles that instructors and trainers can use for information. Within this site, users can explore views, news, and stories that surround eLearning, corporate training, instructional design, and much more.
• eLearning Magazine - eLearning Magazine offers a free place for instructors and trainers to find a wealth of information through articles, reviews, case studies, and more. This public information center is also an excellent place to find forums and exchange ideas with others.
• Web-Based Training Information Center - This free info center provides information and resources on web-based training trends, surveys, and more.
• Learning Circuits - Learning Circuits is a free informational site from the ASTD. The goal of this site is to provide a large database of eLearning and training knowledge as well as efficient training technology.
• BusinessBalls.com - BusinessBalls.com provides free materials, exercises, tools, ideas, and templates that instructors and other eLearning professionals may find helpful.

Guest Blog Contributor By-line:

This post is from education writer Karen Schweitzer. Karen is with the About.com Guide to Business School. She also writes for OnlineCollege.org, an accredited online college resource.

For those of us who are iPhone users, I asked Jimmy Atkinson at Edu-Tastic to share a list similar to the one I posted for you yesterday but for the iPhone. Here it is! (The link to the webpage is: http://toponlineuniversityreviews.com/2009/25-essential-free-iphone-apps-for-lifelong-learners/

by Miranda on July 14, 2009

Now there's an easy way to find the open houses in the Birmingham, AL area with just the click of your mouse.

Weichert, Realtors - Access Realty has just launched www.8YellowBalloons.com

Tune in to 8yellowballoons.com every week to see where the open houses are going to happen. You would drive around looking but it's a lot easier with a map.

You can also custom design your own Open House Home Tour!

The volume of REO properties hitting the market has increased dramatically and there doesn't seem to be an end in sight.

There is now a source to buy these REO houses, in bulk or in "packages", at prices that will blow your mind.

A service called REO BLACK HOLE offers packages of houses for as little as $2500 each. No kidding.

Check out the website for the full story at www.REOBlackHole.com

A bank or mortgage company forecloses on a property. After a few months of legal hassles, the lender finally gets clear title to the property and hires a local real estate agent. Of course, the lender, at this point, wants to try and recover almost all of the money lent on the property.

6 months or a year go by and this period is full of price reductions and repairs to the property. The property may have been vandalized, lived in by squatters, had new carpet and paint, even had new landscaping. The problem is usually that the lender refuses to set the price where it should be so the property, although shown many times, continues to sit on the market.

There is a hidden time limit for this lender. Does anyone know how long it is? How long can the lender keep a non-performing asset on its' books? How long can the property be an REO? We aren't talking about government foreclosures here (FHA and VA loans), the government can keep them forever. We are talking about bank or lender owned foreclosures.

I have a done a little research and it appears that the time limit that a private lender can keep an REO on its' books is 2 years plus or minus a little.

The questions is... What happens to the house or property AFTER the statutory time period has expired and the lender is forced to "get rid of the property at any price"?

Unfortunately, researching this topic has produced very little in the way of usable results. However, I did happen upon a few references to something called The REO Black Hole List. Apparently there really is a place that lenders can "dump" their old REO inventory as a last measure. And, they dump them at dirt cheap prices - usually for thess than lot value.

My research has found that there appears to be a handful of asset managers, companies that buy these old REO properties in bulk, that lenders turn to when they absolutely must liquidate the non-performing assets. These asset managing companies turn around and sell, in bulk, to a "secret" list of private, seasoned investors who actually purchase 50 to 100 to 400 houses at a time.

And guess what? These investors are able to purchase these homes, on average, for $2350 to $5000 per house! I kid you not. I actually spoke to an investor who bought around 182 houses direct from Fannie Mae for $400,000. You do the math. That is under $2500 per house.

The thing about this kind of setup is that the investor must buy all of the homes in a package - whether they are vacant lots, burnouts, or condemned. AND - they are not in one location but spread out all over the country. That's why the average price per home is so cheap...to spread the risk. But, these homes have all been in an MLS system somewhere - they were all REO properties at one time - so there is a way to find the market value pretty easily: Call a local agent!

AND since the investor may live in Maine or south Florida, he or she will also call a local agent to list these properties. They usually pay a high commission because the price will be low and because they have very little invested in the house. Does anyone have any experience with these types of investors? Or - if you know a local investor, would they be interested in this kind of "bulk buying"?

One other little tidbit I found out: a lot of the packages that these asset managers sell consist of only 10 or 20 homes. Think about that. You could buy 10 homes for $30,000 or $40,000. While some of them may not be the jewels you would want, several of them will always be great fix and flip homes that will sell for as much as you paid for the entire package.

Again, little information can be found on this "underground network" and the only place I could get any information was at this REO site. I know it exists. If you know how to get on this list or how to get in touch with the investors that participate, please post it! If you are in Ohio and I am in Alabama, we are not competing against each other!

Because of the change in real estate market conditions, more sellers are competing for fewer buyers. So once again, it seemed important to challenge a long-standing "myth" of real estate.

"The initial listing price isn't that important because the price can always be adjusted down later."

Many homeowners believe this.
It is a myth.
Not true.

If most buyers first viewed your house because of a newspaper ad, a magazine, the internet, brochures, or the sign in your front yard, the initial listing price probably would not make a difference. The house would always be "new" to those seeing it.

But most buyers do NOT come to your house because of various types of advertising. That is the another myth.

Sure, buyers call on an ad, they often LOOK at that house, but not always. Once they talk to an agent, they may discover it isn't what they need (or want) at all.

However, they ARE talking to an agent. That agent knows the current inventory and will know of other property that DOES fit their needs.

Those are the properties that buyers look at, and THIS is how most buyers end up looking at your house, too. Because of other agents, not because of your ad.

Hardly anyone buys the house in the ad.

As a result, you need to get other agents interested in your property, and this is where your listing agent comes in...and why a good listing agent is extremely important. The listing agent gets buyer's agents looking at your home.

Those agents have clients who called in on other properties.

Buyer's agents are not swayed by advertising. They look at the needs of the client, where the client wants to live, location, condition, and other details of the property...
And most importantly....
...price.

If your house is overpriced, agents are going to show similar homes that are priced more attractively. Your listing will get passed over.
Agents pay MOST attention to homes newly on the market. There are fewer NEW listings than current listings. It is easier to keep an eye out for what is NEW, compared to the vast number of current listings.

New listings are on the "hot" sheet circulated in real estate offices. The MLS computer identifies new listings. Your listing agent may hire a service to distribute fliers to all the buyer's agents. There are office previews and MLS tours to showcase new listings. A lot of attention is focused on what is NEW.

With agent's looking at newly listed homes so aggressively, a properly priced home gets attention.

An overpriced home gets passed over.

You may be thinking, "But I'm willing to negotiate!"

Buyers aren't thinking in advance about how much you are willing to negotiate. They are comparing your asking price to other asking prices.

Plus, when your house is new on the market, you may not be willing to negotiate as much as you will later, once you've realized your error. Keep in mind that statistics show, quite often, the first offer is the best offer.

So what happens if you overprice in the beginning and get more realistic later?

You don't have all those important Buyer's Agents looking at your listing because it is NEW. A price reduction later in the listing cycle often gets overlooked. It is just one of many listings, not one of a few new listings.

As time passes, you could actually become desperate to sell because you've accepted a new job or because you have already bought a new home.

That is a recipe for receiving lowball offers, so you could end up selling for less than if you had priced the home correctly in the first place.

Agents know this stuff, but many sellers still mistakenly believe they should "price it high" because they can lower the price later, if necessary.

That is not the best strategy.

The Veterans Housing Act allows the Department of Veterans Affairs to guarantee a home or mobile home loan. While eligibility is still determined by VA, the benefits vary depending on when you served in the military and the type of service. While those currently or previously on active duty are allowed benefits after serving anywhere between 90 days to 24 months, depending on the year, reservist and national guard members never called to duty, will need to contact VA to determine eligibility.



While most consumers feel VA gives a borrower a loan, VA only guarantees loans in case of default. Loan approvals are made on their behalf by approved lenders. VA does require all homes be appraised by a VA roster appraiser and there are only special circumstances in which VA reviews a loan for credit determination.



VA Home financing allows 100% financing, 4% seller contribution, limits what a borrower can pay in the form of closing costs, provides excellent interest rates and does not require perfect credit. A VA loan will consider approval for a borrower with no credit. It is by far the best loan program available, and it is only for veterans.

(Birmingham, AL) The most recent fallout from the mortgage crisis that began last summer is now rearing it's ugly head in the form of Fannie Mae approved loans that cannot get insured by Mortgage Insurance companies.

Mortgage insurance companies, spurred on by recent recommendations in congress, are tightening their credit standards for providing insurance. Without mortgage insurance, borrowers are forced to provide a down payment equal to 20% of the purchase price of a home - something very few home buyers can afford to do. Just this past week, mortgage insurance companies raised their credit score requirement to 620, effectively cutting out 50% of home buyers from the home buying market. The move came unnanounced and without any notice to lenders or to Fannie Mae.

In fact, lenders are still approving loans that meet Fannie Mae guidelines for purchase in the secondary market, but then find, just before closing, that there is no mortgage insurance available to insure the loan. Without insurance on money loaned that is over 80% of the value of the property, the loan is declined. Buyers that have a "loan approval" from a lender should immediately ask their lender if the lender can get their loan insured. Otherwise, homebuyers could spend hundreds and even thousands in the days leading up to the closing only to find, at the last minute, that loan insurance is not available to them.

This move by the Mortgage Insurance companies will only add fuel to the fire that is the current US Housing market. By effectively eliminating more home buyers from the market, at a time when the housing market needs more buyers, not fewer, the mortgage insurance companies have put another nail in the coffin of the housing market. The resulting effect on the market will be an even bigger drop in home prices. The immediate impact of this new policy will be felt quickly in the market, not over time as has been the case with loan defaults, adjusting loan interest rates, and foreclosures.

Be forewarned: if you are a seller, drop your price now before the market itself forces an even larger price reduction. If you are a home buyer, your credit score must be above 620 or you cannot get a loan.

(Birmingham, AL) The Alabama real estate market is already recovering from recent lows. Evidence is everywhere.

Inventories of property on the market hit an all time high at the end of november 2007 into the first of December 2007. Since then, the inventory of property for sale has been shrinking. This is always the first sign. As property inventories decrease, the demand for property rises. This causes price support and shores up values.

Mortgage applications, or new people applying for a home loan, increased 12% just last week. This is yet another sign that more buyers are entering the market to buy a home. If you combine this with the fact that inventories are shrinking, it doesn't take a genius to see that values will stop declining soon and prices will again start to rise.

There is a new blog network in Birmingham, Alabama! The Realtors at Weichert, Realtors - Access Realty have joined together and created the only real estate blogging network in Birmingham.

The blogs are titled simply by their city names such as: Homewood Homes, Hoover Real Estate, etc., making them easy to find.

The blogs contain the latest homes for sale and real estate news about the local communities. I have included links to the citys that are up on my link list to the right. Check them out!

By Joe Klock, Sr.

Real estate analysts (and what American is not among them these days?) tend to survey the sea of sale signs in most areas and join the gloomy headline writers who conclude that there are not enough ready, willing and able buyers in the market place.

Not so, gentle reader! The shortfall is among sellers, of which there are relatively few treading water in the aforementioned sea.
"Whoa, Nellie!" you might exclaim (ignoring the by-line clearly displayed above), "any fool, including the by-lined fool, can see that it's buyers that are now in short supply."
In so doing, you might cite the hordes of hungry house-hunters who roamed the house-hunting roadways during the many months of a recently-deceased feeding frenzy, fueled by mortgage lenders with deep pockets and all the fiscal restraint of sailors on leave.
It is a now a fact of real estate life in most areas that their numbers - and that financial fuel - have shrunk like last month's birthday balloons, and it's true that there are fewer prospective buyers rummaging through the current logjam of listings.
Enter the law (not the theory or fantasy) of supply and demand, which dictates that when the number of consumers is dwarfed by a surplus of products, either prices take a hit or activity takes a holiday.
That reality underpins my contention that, while there may be too many homes for sale, there are too few legitimate sellers offering them.
This position is backed up by more than a half-century of experience on and behind the firing line of real estate brokerage, during which I have seen and survived several cycles of inflation, deflation and stagflation, as well as so-called sellers' markets which morphed into buyers' markets and vice versa.
Through all that trauma, certain facts remained unchanged - facts that are being ignored by too many would-be sellers and, sadly, pseudo-professionals. They are as follows:
1. No home in history has ever sold for a penny more than the best offer obtainable from the best buyer available in the then-current market.
2. The only way to determine the true value of a home is to thoroughly and aggressively test the market and challenge the competition. That process need not be a lengthy one, since buyers and their agents do comparison shopping and readily react to an attractive offering.
3. Once that procedure has been pursued, properties remaining unsold for an extended period of time are, quite simply, overpriced. Forget about what similar houses sold for in the past (which is history), or what those would-be sellers might have invested in their homes (which is irrelevant), or what qualified appraisers say they are worth (which are only opinions). The critical test is exposing one's home to the greatest practical number of prospective buyers and active agents, and then analyzing the results.
4. A home that is appropriately priced and effectively marketed, preferably by competent professionals, will ALWAYS attract attention, generate activity and ALWAYS sell for what it's worth (refer to Fact #1 above).
The problem today is not that there are too few buyers. Demand is what it is and neither wishful thinking nor wistful memories will increase its size.
The more serious shortage is of genuine sellers; i.e., those who meet these specific criteria:
a) They are willing and able to accept the best price obtainable from the best buyer available in the current market, and
b) They have something to lose if they don't do so.
"Sellers" who do not fit that mold are not sellers at all and should be encouraged to take their properties off the market. (Realistically, they're not actually ON the market, anyway!)
The market is not always kind, but it is never wrong - and those who believe otherwise pay a heavy price for ignoring "The Facts Of Life For Home Sellers."
FOOTNOTE: For a further dose of this perhaps-unpleasant medicine, visit www.joeklock.com and click on that caption. You have nothing to lose - except, maybe, a pipe dream.
If that doesn't work for you, take two antacids or a short snort and DON'T call me in the morning!
Here's the bottom line - take it to the bank or to any nearby Wailing Wall: When proper pricing is combined with effective marketing, there is a buyer for everything and, given those conditions, any home can be sold in any market.
The ritual dances of negotiation may change with market fluctuations, but the drumbeat of reality does not!

Mike Carraway
Broker/Owner

WEICHERT, REALTORS - Access Realty
1100 East Park Drive, Suite 104
Birmingham, AL 35235
1-800-840-0165
WEICHERT, REALTORS - Access Realty
Valleydale Branch
4500 Valleydale Road, Suite 160
Birmingham, AL 35242
205-995-3939
24/hr Info: 800-634-0511
24/hr Fax: 800-634-0511
www.Access1000.com
www.Weichert.com
www.AlabamaWebPage.com
www.TakeOurTest.com
www.BirminghamRealEstateSchool.com

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The following are the links to the selected listings.

Details 331358, 5020 GIHON CIR, TRUSSVILLE, AL - $308,900.00
Details 338932, 5012 GIHON CIR, TRUSSVILLE, AL - $308,900.00
Details 339702, 7913 COUNTRY CLUB DR, TRUSSVILLE, AL - $309,900.00
Details 346229, 4966 JOAB CIR, TRUSSVILLE, AL - $309,900.00
Details 344631, 6229 JONATHANS WAY, TRUSSVILLE, AL - $309,900.00
Details 347557, 6672 SERVICE RD, TRUSSVILLE, AL - $309,900.00

Or Click Here to go view all listings at once.

If your email program doesn't support an HTML url, then copy and paste the following
address to your browser's address box. Make sure you copy and paste the
entire link; it may appear on multiple lines.

http://bhammls.net/BAARReports/listings.asp?ID=WMI5467956

REALTORS: REAL-Service REAL-Expertise.
You can also visit http://www.Access1000.com to perform your own property search.

Broker
WEICHERT, REALTORS - Access Realty, Inc.
1-800-840-0165

A new network of websites which features the largest 494 cities in Alabama will make it's debut statewide in December. Called the ePartners Network, the statewide web will make it easier for consumers to find properties all across the state of Alabama. In particular, the major cities, Montgomery, Huntsville, Birmingham, and Mobile and their surrounding communities are linked and cross linked so consumers can easily search for homes and real estate from one single location.

The state affiliate Broker, Mike Carraway (Broker, Access Realty), has already introduced the network to real estate agents in Birmingham, Huntsville, Jasper, Cullman, Hoover, Gulf Shores, Orange Beach, Montgomery, and several other Alabama cities. Each city has it's own site and weblog and an agent can elect to be the exclusive real estate agent for their city to help consumers find what they want or to market their property statewide.

This is the first time in the history of real estate that geographic boundaries have been erased. In the past, agents and brokers have worked in certain geographic areas and basically limited themselves to that area, even though they were licensed to do business anywhere in the state. Now, for the first time, those boundaries are gone. An agent licensed to do business in the state can assist customers finding homes or locating a local agent from anywhere.

This new network will be a plus for all real estate ancillary services as well. Mortgage companies, insurance companies, and others can now advertsie their services on the network either statewide or in a local community.

The ePartners Network will change the way that the real estate business is done in other ways as well. It will serve as the first statewide, and even nationwide, platform for paperless real estate transactions.

Developing...

ePartners is making it's debut in Alabama in 492 cities statewide. ePartners is a nationwide relocation network that allows anyone to search for and find properties for sale in any city any time.

The local cities are affiliated with an agent or team of real estate agents who work the areas and are specialists in properties in each city. They can help members of the homebuying or homeselling public find exactly what they are looking for.

The ePartners network also contains specific city information on schools and neighborhoods, shopping and restaurants, and parks and recreation.

Sellers can market their homes through the nationwide network and buyers can easily find them from anywhere in the United States.

Some of the main sites are very easy to find: Alabamawebpage.com, Montgomerywebpage.com are examples of url's that make this network very consumer friendly.

The ePartners network also allows real estate agents to easily get plugged into a nationwide relocation and referral network.

ePartners is set to take off in early December 2006. We will be watching.

Dear Blog Update,

Today, the automated messaging system used by your real estate sales agent, MIKE CARRAWAY, has stopped sending email to you because none of the email messages sent have been opened. For a mail message to be considered "open", you must have clicked one of the links contained in the email and viewed the report your provider sent.

This message is an automated process designed to reduce the sending of unwanted emails. If you would like to continue receiving emails, please click here. Once your account has been reactivated you will begin to receive your emails immediately.

Thank you.

New listings coming soon!

Broker
Access Realty, Inc.
1-800-840-0165

The last thing you want to have happen when you have your home up for sale is for people to drive up and have a look, and then drive off...nver to return again. Why did they leave?

Your home could have been the wrong style or have the wrong exterior finish. But in all likelihood, it was curb appeal.

Curb appeal is one of those magic phrases used by real estate people that means a lot of things. It could be the home itself, or they could be referring to the landscaping. Curb appeal, in is simplest form means the overall balance and harmoney of everything the eye beholds while sitting at the curb and viewing the property. If it is eye appealing and alluring, they will want to come inside and have a look around.

The amount of curb appeal your home has will determine how much inside traffic you get to the home (outside traffic doesn't count). Inside traffic into the home is what it takes to sell it. So, curb appeal will ultimately effect how much your home sells for...or if it will sell at all.

So what makes up curb appeal and how do you get it?

The Structure

Your home must appear to be in top condition and well maintained. The paint must look fresh and unblemished. Gutters must be straight and in good repair. Doors should be square and fit in their frames perfectly. Anything that looks out of the ordinary needs to either be removed, repainted, or fixed.

The Yard

The lawn should be mowed and edged, and GREEN in the spring, summer and fall. Everything that blocks the view of the home needs to be trimmed or removed. This includes bushes, shrubs, trees, etc. If people cannot see the home, they will not want to come inside. All shrubs and bushes should be manicured and shaped. Flowers and bark or mulch needs to be new and replanted if necessary. Your job is to make the yard look picture perfect BEFORE you put it up for sale. Trim all low hanging branches that interfere with the street view of your home.

If you do not want to do all of the work, hire a landscaping contractor to come up with a plan. You will be more than rewarded for what you spend in the eventual sales price of your home.

Curb appeal increase the traffic to the inside of your home. And, if people don't come inside, they won't buy it. Your agent can get people to at least take a drive by your home. It's up to you to make them want to come inside.

I guess it's now official. The real estate bubble has burst. When the inventory figures for homes show they are going up nationwide AND it's in the national media, you can be sure that it's already been happening for a few months now. The NY Times and Jouranl and just about every other news outlet decided today that it was a story - so I guess it's official.

Those of us in the real estate business have known it for the last 3 months and we could have told you so. We have sales figures and "time on market" statistics that can back up our claims. We have been telling successful sellers what's happening and how to price their homes accordingly. Now - 3 months later, the media is catching on.

The story is that the supply of homes on the market is rising and the number of buyers isn't. What that means to you is that your home will sit on the market longer without selling. In fact, two of the articles I've read state simply that it would take over 6 months to sell all the homes currently for sale. What they leave out is that more homes come on the market every day, further increasing the glut.

As the number of homes on the market increases, it takes further price reductions to get some of those homes to sell quicker, which, in turn, lowers the reflected market price of all homes. Sellers will wait and wait and then lower their price - too late. What they don't realize is that they are chasing the market down.

The market price of their home goes down and then they lower their price just above the market price and wait. While they wait, the market price goes down further, putting them farther and farther away from the market value, until they lower the price again.

So, as a seller, what should you do right now?

Simple, lower your price to a point that is BELOW the current market value. Ask your agent to take some time and do a good market analysis to get a feel for what your home is worth right now. Then, price it below that number. If you do this, you will have hungry and willing buyers lining up to make offers on your home... but only for a short time in a falling market. If you wait too long, and the market coninues to drop, then you will be priced above the market again and have to reassess the situation.

The smart thing to do is price your home low and let the market come to you, rather than chasing the market down. One strategy results in buyers, the other results in foreclosures. But you have to decide which strategy to persue.

I hear this questions a lot in the daily real estate game, "can you give us part of our fee back after the closing?"

The answer is yes but only if done in a certain way.

RESPA, the Real Estate Settlement Procdures Acts, requires a couple of things that need to be mentioned. The first thing is that payment cannot be made for services not performed. The second one is that if any payments are made, they must be disclosed on the HUD-1 Settlement Statement.

Futher, Alabama License Law, and most states License Laws, require that no "rebate" be made to any party in a real estate transaction from another party. Another section of the code also requires that the TRUE terms of a real estate transaction be diclosed to the lender or lending institution.

What does all this mean? For starters, if your agent says they can give you cash back after the closing, in nearly every case, this is both against case law and the license law governing the licensees in your state. So - in short - don't do it. If you are a participant in a transaction and you recieve cash back later, after the closing takes place, then you are participating in loan fraud. Fraud is a crime. Because the lender didn't know that you were receiving additional cash proceeds from the sale, they are not aware of the TRUE details of the transaction. Alomst every loan program for the purchase of a home has the provision that the buyer cannot receive what is called "cash out" - that is - get money back when they make a purchase. This, in essence, would be overfinancing the home. on a refinance, however, this is okay.

The way to get a credit back from your agent is to have the credit put on the settlement statement as a CREDIT to you and then the credit is applied to any costs you have to pay at the closing table. This applies whether you are buying or selling.

Basic Rule of them: If you can put the cash payment on the HUD-1 settlement statement so that it is disclosed to all parties, including the lender, chances are it's AOK to do it.

Almost any source you looki at will tel you that between 80% and 90% of For Sale By Owners will eventually list their home with a real estate agent. There are a myriad of reasons why this happens but it all boils down to this: agents have the inside track on attracting buyer traffic to the home. They also do it full time so that even when the seller is gone to work, the house is still "for sale" and can be shown.

So, if you find yourself thinking of hiring an agent, which one should you hire?

First of all, consider paying the highest price for a good agent. Interview several of them and then ask them to cut their fee. The one that refuses to is probably your best bet. Why? When it comes to selling your home and getting your proce, you want an agent who is NOT a noodle...someone with a little back bone. If they won't cut their fee and they promise a higher level of service and service quality, then they will also negotiate the hardest in the trenches when people are trying to cut your price on your home.

Second: if the agent you call doesn't answer their phone or call back within a half hour - stop trying to get them. If they don't answer or call back when you try to call them for an interview, what makes you think they will answer calls from buyers for your home?

Lastly, when you are doing the interview and listening to the agent's marketing plan, look for the things that are different. If you talk to 2 agents and they pretty much do the same things... a sign, MLS, and a few ads... keep talking to more agents. What you are looking for is the agent who has a unique approach or ads value by adding unique tools. Agents that use the talking house transmitter or a 24 hour hotline system are some examples. If the agent you hire isn't doing extra things to make your home stand out in the marketplace, you are just going to get the same ole, same ole. Look for something different.

The internet is all the rage when it comes to real estate. According to the National Association of Realtors, when a buyer starts thinking of buying, the first place they turn is the internet. Just 10 years ago - it was getting in the car and driving around.

With gasoline prices approaching $3 a gallon, more and more people will search online first before they do any driving.

So - if you are an agent or a seller, how do you get your property noticed online?

Let's talk about being an agent first. If you are with a national franchise and/or your company is affiliated with the local board of Realtors, there is a good chance that your listings will get streamed to Realtor.com. Relator.com is the #1 property search engine in the world and just keeps getting bigger and better. The site is ranked by Alexa.com as the #8 site - in the WORLD. That's pretty big. Real estate agents already have this site in their favor.

As a home seller, you do not have such an advantage. You can either buy into one of the FSBO (For Sale By Owner) products out there that will put your home on the internet for you, or you can put up your own site and sales page for your home. Of course, if someone is searching for a home in your area, and your site doesn't come up on the first page or two of the major search engines, no one will ever see it.

With people shopping more online and doing less driving around, it puts todays home sellers (those selling without an agent) at a pretty big disadvantage. If they would list their home with an agent whose company has a popular internet presence, their home would sell a lot faster because of the increased exposure.

Our company site is such a site. If you go to Google and search on "Birmingham Alabama Homes for Sale", you will see that the Access Realty site comes in at #3 or #4 on the first page. That's a huge advantage for anyone who wants to sell a home in Birmingham.

One other way to sell a home is to generate a large roster of interested buyers. This can be accomplished online by setting up what are called mini-sites designed to capture llists of people who are currently in the market for a home. This works great for real estate agents but may not work so well with a seller of just one home. You can get more information on these mini-sites and how to accomplish this HERE. As I said before, this type of buyer generation works extremely well these days because almost everyone shops online before getting in the car and driving around looking for homes.

Times have definitely changed in the last year in most parts of the country. I'm in Birmingham, Alabama and we are lucky to have 3 new automoblie maufacturing plants located in a triangle around our city.

But - if you are in an area that doesn't have commodities or heavy industry (two sectors that are doing well right now), what is your market like?

Chances are - you're in a "Buyer's Market".

What does that mean exactly? It means that there is more inventory than there are potential customers for that inventory. just like in the stock market - when almost everyone is selling and few are buying - the stock price will go down.

Many seller's think that because they paid a certain amount for a property, they can get at least that amount when they sell. Sadly, this leads to overpricing and a long, long wait until they sell much later at a lower price. My best advice is to find a real estate agent who will tell you the truth about market conditions and back it up with recent sales prices of similar home.

Last week, I was driving around Destin, Florida. Every third home was for sale. Auctions were common. Prices escalated in the area for 5 years and then they reached a top. What's happening now? The seller's are "holding out" for their price as more and more homes come on the market at significant discounts to what they are asking. The bottom line is that the sellers who put their homes on the market first are going to take a big hit.

As time goes on and the market is flooded with inventory, prices will go down and down and down. A smart seller would realize this and take the loss now before any further reduction in prices happened.

Is there anything you can do if you are trying to sell into a buyer's market?

Yes - make sure your home is:

#1) Priced very competitively with TODAYS prices (not what you paid 2 years ago)
#2) Make sure that your home looks like NEW (and I mean new - not just "touched up")
#3) make sure you get PLENTY of exposure.

The rpice, the condition, and the exposure are everything when it comes to selling into a down market. Good Luck!

by Mike Carraway Access1000.com, 7steps2freedom.com

by Mike Carraway, Access Realty, Birmingham, AL

A LOT of sellers want to price their home above the market value and they do it for a variety of reasons...

Some say they want to have "negotiating room". Some say, "we can always come down later". And others say, "we just want to see what we can get - you know - test the market."

Theses are all good reasons from a seller's point of view. They aren't, however, from a property marketing standpoint. When you put a property on the market, you want to generate the highest traffic and demand in the shortest time possible and all of these so called reasons to overprice just hinder and impede the marketing process.

Danger #1

Pricing a home above the market value usually results in people going elsewhere and buying. They may love your home but if you have a similar product in your market for a lower price, they'll buy it - not yours. In effect, you have missed your buyer and now you will have to wait and attract another one at a later date.

Danger #2

Traffic and lots of it is what sells a home. Without human bodies walking through your home, it doesn't matter if it's the best deal around or the most beautiful in your neighborhood - it still won't sell. In order to get the most traffic possible in the shortest time, the price must be right from the very beginning. If the home is priced very near what you actually think it will sell for, you will get the most traffic - and offers.

Danger #3

Your home will sit on the market while YOUR buyers go buy other homes. You will have lower traffic due to the higher price and fewer people will be exposed to it. What happens when you finally decide to lower the price? People see the price reduction and it causes a couple of thoughts...

1) I wonder how much further down they will come?
2) I wonder if something is wrong with it?
3) I wonder how long it's been for sale?

Just these three will cause you more suffering from low offers and constant questions about whether you will carry part of the financing or not. You will soon grow tired of it.

The best way to avoid ALL of these problems, especially in a buyers market as we are in right now, is to price your home AT the market. Not a little over but right at the market value.

Want a secret? Price your home slightly UNDER the market value. You will have people fighting over it and will probably receive multiple offers. When you do - you can actually start a bidding war of sorts over your home and may even realize MORE than the market value.

by Mike Carraway, Broker, Access Realty, Birmingham, AL 800-840-0165

by Mike Carraway

It happens almost daily in this great country of ours. A new real estate agent gets thier license. Then, they set off on a journey to learn how to get customers and how to do business.

Unfortunately for most of them, they try for about 3 to 6 months, don't get any business, and quit. Why?

Well, look at it this way - if you opened up a new business and had no customers in your first 6 months - what would you do? I know that I would be questioning my own abilities at getting cusomters, wouldn't you?

Having seen this happen so many times with new agents, I knew that there had to be a way to give new agents the tools and techniques they needed to succeed quickly. Over a 5 year period, I deveoped what I call our proprietary "Fast Start" program.

This program takes someone with zero sales experience, with no knowledge of marketing and teaches them the basics of response generating advertising and marketing. Most real estate agents have no idea why people call on an ad. When the students in Fast Start complete their training, they not only know why, but they can accurately track their ad performance and cost per call. They can also measure conversion rates. All of these things are a must for any business.

The second big part of this program is how to manage those leads that are generated and follow up with them so that they actually become customers or clients. The students are taught to set up a simple follow-up system and several different "action plans". Combining this foolow-up system with the lead generation is the cornerstone of the Fast Start program.

Most of the students who apply what they learn in the real world ususally have a real estate transaction pending within their first 30 days. That's how good the program works. Not everyone who goes through the program is successfull. Some students learn the information and then do not apply it. Why? Hard to say. I think one of the biggest reasons is fear of success.

They know that if they are successfull, they'll have to work. They also know that if they are successfull, most of their problems will go away and they won't have any excuses any more. Of course, it's just my opinion.

If you are in the real estate business and actually WANT success - you should take our next Fast Start training class and get on the fast track to success.

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