Exciting news for Nigerian socializers. Clickvibes, the popular online community platform, has just launched its official mobile apps for iOS and Android. This means you can now connect, engage, and share ideas with your communities anytime, anywhere. What this means for you: Stay connected on the go: Never miss a beat with instant notifications on discussions, comments, and messages. Personalized feed: Discover content [PR.com]

A law of physics that explains why larger animals live longer and travel further can be extended to the simplest forms of mass migration on the planet - like rolling stones and turbulent eddies in water and air currents...

OK, I may need someone to explain to me the point of this one. Starbucks is apparently testing a 10 ounce Frappuccino in some markets.  Besides only being 2 ounces …

The post Starbucks tests 10oz Frappuccino Mini ?? appeared first on Coffee Sage : Blog About Coffee.

New version of AW Maker application is uploaded to our website. All dictionary developers should use this version instead of the previous one.

U.S. blocks UN Gaza ceasefire appeal | 8 Dec 2023 | The U.S. has cast the lone dissenting vote against a proposed UN Security Council resolution that would have demanded a humanitarian ceasefire in the Israel-Hamas war amid rising civilian casualties in the Gaza Strip. Thirteen member states voted in favor of the resolution, which […]

Biden circumvents Congress, approves $106M ’emergency’ arms sale to Israel | 9 Dec 2023 | The State Department announced on Saturday [a slower news day, of course] that the U.S. government has approved a military sale to Israel worth around $106.5 million, as the Israeli military continues fighting Hamas militants. In a press release, the […]

My wife made appointments with the Kitchen and Interior supply companies today for final selections. The Interior fitout selection is due for 2:00pm on August 17 and the kitchen fitout selection is due for 2:00pm on August 18.

I know my wife has some pretty strong ideas about the interior of the house so she's pretty much in charge of this side of things. She's leaning toward a color scheme including browns, but not going for a full brown/brown fitout, just some touches here and there. This will hopefully make the interior look relatively modern but it shouldn't age too badly when the brown color scheme thing goes out of fashion.

I later found out the fate of the poor sandwich from yesterday's entry. At least he left this world gazing upon beauty [PARTIAL POST: VISIT THE SITE TO READ THE REST AND SEE PICTURES]

Posted by Frank On 02/03/06 At 12:16 PM

A new cross cultural tool has been released allowing you to consult the Geert Hofstede 5-dimensional cultural model on the Iphone. From the CultureGPS website: “CultureGPS is a tool for the iPhone and iPod Touch that enables you to analyze behavior differences in intercultural encounters and to predict to a certain degree, which interactions evolve …

Continue reading "Iphone app Geert Hofstede’s 5 cultural dimensions"

Riley from AAA Spanking is getting double punishment in this screenshot. She’s getting her hands spanked with a heavy leather strap while she’s holding a sudsy bar of soap in her mouth: Presumably she gets a lot more with the leather if she drops the soap. See Also:Mouthsoaped And CryingHer Mouthsoaping Punishment BeginsA Rich Girl […]

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An apple a day… so they say keeps the doctor away. And it also keeps me erect.

Cinnamon apple lasagna is such a fun idea. Don't worry, the only cheese here is cream cheese, and this lasagna goes full on dessert mode with whipped cream and chopped pecans.

L’appel à projet du LPM (Live Performers Meeting) 2024 est lancé pour fêter les 20 ans et la 25é édition au …

Appel à participer LPM 2024 est un billet de LeCollagiste VJ.
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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.

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!

In recent months, the tech giant has reportedly reached out to media companies about such deals, per Bloomberg. We do not know what kind of companies Apple is engaging with (indie production studios or established networks), and we do not know what sort of shows they are targeting (hits like Serial or brand new projects), per Hot Pod.

Top Podcast Consumption Apps
Business Insider Intelligence
What this move is about: Apple likely views exclusive originals as a way to protect its dominance of podcast listening, which has slipped in recent years as rivals like Spotify bear down.

Complete article

Last week, Bloomberg dropped a fascinating scoop that Apple, the long-time impartial steward of the podcast ecosystem, is apparently planning to finance original podcasts that would be exclusive to its platforms, and that it has met with media companies to discuss possible deals toward this end. According to the report, the talks were preliminary and Apple has yet to establish a clear strategy around exclusive audio content, but whatever the actual game plan turns out to be, the company appears ready to do things with podcasting and audio shows that it hasn’t done before.

complete article

As 2019 moves to a close, Spotify is giving its yearly version of the personalized Spotify Wrapped, as well as a unique one that showcases your listening records through the last decade.

That indicates your Wrapped will add the songs, artists, albums, and podcasts you found on Spotify in 2019, plus the artists you streamed across the past decade, by a My Decade Wrapped option.

Spotify Wrapped extends to add your favorite music from the decade, plus podcaster metrics

For years, Apple has been the forefront of podcasting. While audioblogging had been around for a while, there is an argument that it was Apple that really invented what we know as a podcast with the introduction of the iPod. Without doubt it was its innovations that sent it mainstream.

complete article

New Sony venture. Sony Music Entertainment announced another podcasting venture today, this time in the shape of a partnership with U.K. audio company Somethin Else. This continues a recent run of Sony investments in audio — previous examples include Jonathan Hirschs Neon Hum Media, Adam Davidson and Laura Mayers Three Uncanny Four and Renay Richardsons Broccoli Content.

In the wake of a seismic deal in the podcast industry that will see top host Joe Rogan bring his show exclusively to Spotify for a reported $100 million, Apple — which will lose distribution of Rogan’s show come 2021 — is revamping its own podcast approach.

According to Bloomberg, Apple — an early distribution platform for podcasts that is also the largest hub for the medium stateside — is now seeking an executive to lead development of original audio series. The exec would report to Ben Crave, Apple’s head of podcasting.

The podcasting industry was shaken up this week with the announcement that JRE is moving exclusively to Spotify and it looks like it has caught Apple’s attention.

Bloomberg reports that Apple is looking to increase its investment in original podcasts, as well as buying existing ones, to augment its nascent Apple TV+ service. While its easy to view this as a classic case of shutting the stable door after the horse has bolted, Apple seems to view podcasts as either a by-product of video content or as material that could then be adapted to video.

Apple effectively invented the podcast format, which derives its name from the pioneering iPod digital audio player, but the pre-eminence of iTunes as a podcasting platform is under serious threat thanks to this recent development. You have to assume Joe Rogan (pictured) spoke to Apple before recently committing to Spotify, so it would be fascinating to know what led him to ultimately reject it.

Spotify on Wednesday said its monthly active user count reached 299 million in the most recent quarter ending June 30. That is an increase of 29 percent year-over-year and brings the streaming giant just shy of that 300 million MAU milestone.

Taking a closer look, we see that Spotify finished the second quarter with 138 million premium (paying) subscribers, up 27 percent compared to the same period a year earlier. The company said its Family Plan continues to be a big driver of performance and further plugged the expansion of its new Premium Duo subscription offering for couples.

Spotify has leaned heavily into its foray into podcasts and rolling out features and announcements at a pretty swift clip. Last week, the company announced it is introducing video podcasts to the mix with support for multitasking, meaning you can continue to listen to a video podcast uninterrupted while doing other things on your device. And earlier this week, Spotify announced support for simultaneous podcast and listening streaming for Premium users and up to five friends—a hot tool right now in the streaming service world as well, as many of us are distanced from friends and family.

The Apple Watch will no longer be counted in podcast listener numbers for Interactive Advertising Bureau (IAB) Tech Lab partners because it has been found to falsely inflate listener numbers.

Currently, when a podcast is automatically downloaded by an ‌Apple Watch‌ user, it is counted as two listeners; one from the ‌Apple Watch‌, and one from its paired iPhone. Since the ‌Apple Watch‌ and ‌iPhone‌ download the same podcast episode by default, and they both report different device user agents, the podcast appears to be downloaded by two different people. This means that the ‌Apple Watch‌ falsely inflates podcast listener numbers.

Imagine the perfect custom talk radio station tailored exactly to your unique likes, with a never-ending flow of great content.

That is exactly what Apple could soon be delivering with its recent podcasting acquisition, Scout FM. Because that’s precisely what Apple has achieved already — in the music sense — with its new personalized music stations in iOS 14.

Apple to switch its 'Subscribe' button to 'Follow' on Podcasts

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