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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

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.

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

(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.

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.

The Interactive Advertising Bureau and PwC released their third annual study of advertising revenue in podcasting last week. Although the studys headline is yet another year of steep growth, the numbers show that growth has peaked and is slowing down. The numbers show that podcasting will need to find other sources of revenue if its commercial viability is ever going to be proportional to its growing listenership.

The study indicates that podcast advertising brought in $479 million in 2018 and estimates that it will scrape past $1 billion by 2021. Last year's revenue is a 53% increase over 2017, but growth is expected to slow down to about 20% in a couple of years.

These numbers are much lower than those from other forms of ad-supported online audio content. PwC's Global Entertainment and Media Outlook last year estimated $1.65 billion in ad revenue for internet streams of AM/FM radio stations in 2018, growing to $2.2 billion by 2021.

complete article

Given the IAB and PwC’s projection that ad revenue in podcasting will at last pass $1 billion in 2021 (up from $479 million in 2018), one would think this mediums decade-long slow (really slow) march towards some sort of critical mass has finally hit its stride. Let the gold rush begin, no?

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Podcasters continue to find growing interest from marketers, but their growth remains constrained by factors including a lack of independent audience benchmarks.

U.S. advertisers spent $479.1 million advertising on podcasts in 2018, up 53% from about $313.9 million a year earlier, according to a new report from the industry group Interactive Advertising Bureau and accounting firm PricewaterhouseCoopers LLC.

Podcast advertising is expected to rise to $678.7 million this year, the report said.

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The podcast industry is growing fast; the industry generated an estimated $479.1 million in revenue in 2018 and is expected to produce more than $1 billion by 2021, according to a new report from the Interactive Advertising Bureau (IAB) and PwC. The latest revenue figure represents an increase of 53 percent in just a year.

The shift to podcast ads backs up what industry titans, like Spotify, have been saying for months. The company plans to spend up to $500 million this year on podcast-related acquisitions.

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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

Let me tell you: it was a journey. Learning how to podcast is easy on the one hand, but keeping it up requires grit. I struggled. I celebrated. I attracted clients. I considered quitting at times. I got fan mail. I stuck with it.

Lather, rinse, repeat.

It has now been over 17 months, and I've learned some things. If you are thinking of starting a podcast, here are a few mistakes I'd recommend avoiding:

1. Spending too much money
You do not need a bunch of fancy equipment to start a podcast. Trust me. I spent $65 on a used Yeti microphone and pop filter from some guy off Craigslist and started recording the next day.

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Audiobooks and podcasts have been sky-rocketing in popularity over the past three or four years. In 2019, the number of Americans who had listened to an audiobook passed 50%, a first for the medium. Podcasts are also on the rise, with investments from companies like Spotify and Pandora further encouraging a virtious cycle of audience growth and a broadening pool of podcasters.

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NPR is projecting that podcast sponsorship revenues will surpass revenues from broadcast sponsorships next year for the first time.

During NPR’s membership meeting Sept. 5, Chief Financial Officer Deborah Cowan told public radio station leaders that the network has budgeted about $55 million in corporate sponsorship revenues from podcasts in fiscal year 2020.

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The face of audio media is changing and it is all because of podcasts.

Audio media has always been prominent as it was the first true form of entertainment to exist before television came into being, and quite genuinely, I have to say I am beyond thankful radios have not yet fallen from the face of the earth.

Audio media is a key component of both traditional and contemporary technology. But, more personally, it is something that has been in my life since the day I became capable of retaining memories. With podcasts becoming increasingly popular, I believe radios will go out of style, and I will have to adjust accordingly.

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Reflecting the fact that 75% of UK advertisers are upping spend in podcasts, Nielsen has unveiled a measurement tool to gauge effectiveness in this growing ad space.

Nielsen believes that the UK’s 6 million weekly podcast listeners will double in the next three years. It is putting the tools in place for brands to “quantify the impact and effectiveness of their podcast ads” with the Nielsen Podcast Brand Effect.

The tool has already been running in the US and so far the results have found that 57% of podcast ads tested outperformed pre-roll video in driving purchase intent and 70% of respondents agreed that the podcast ads increased their awareness of products and services.

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Meanwhile, the biggest advantage management holds up for growing podcasts is improved engagement on the platform. But since Spotify doesn't disclose average time spent per user on its platform, investors may be left guessing how the company is doing. So, what is the best indication of whether or not the podcast investments are paying off?

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If you want to test in a channel where early adopters are being rewarded with both attractive CAC and scale, here’s what you need to know:

~ Podcast advertising is used very successfully as a direct-response channel with CAC on par with other consideration-stage activities. It is not just for awareness.
~ Podcast reach is very good, reaching 51% of US audiences aged 12+ monthly.
~ Ads read by hosts outperform canned programmatic ads.
~ Tracking is harder than most digital channels and the cost to test the channel is higher than most digital channels.

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The mighty podcast has had a renaissance over the past decade. Live recordings fill the Royal Albert Hall, the Sydney Opera House and Madison Square Gardens – and that’s just My Dad Wrote A Porno. Just this week it was announced that the Pulitzer Prize Board is adding a new category for audio reporting: you can now win a Pulitzer for podcasting.

As we enter a new era of podcasting, Bazaar look back at those that have defined the past decade.

9 Podcasts That Have Shaped The Decade

It is well-known that podcasting is huge these days. But you might not realize how many educational podcasts are out there.

By educational, we mean shows that focus on some super-focused topic, like a specific period of history or an academic discipline. For instance, there are at least 15 or 20 active podcasts about linguistics, and there are several podcasts out there about conversational Latin (and we were pretty sure that was a dead language that was no longer spoken).

A Podcast for Every Discipline? The Rise of Educational Audio

The audio technology company Voxnest owns the podcasting platform Spreaker. The Italy-based StreetLib is a digital book distributor. Last week, they teamed up for a symbiotic relationship that will let StreetLib’s book publishers create podcasts and Spreaker’s podcasters create and distribute digital books or audiobooks.

The Publishing And Podcasting Industries Are Getting Even Cozier

More than half of the U.S. population over age 12 has now listened to a podcast, according to Edison Research. The medium has fundamentally altered the landscape for audio content, liberating and empowering both listeners and creators. And big acquisitions such as Spotify’s purchase of Gimlet Media signal that the business of podcasting is coming of age, too.

But there remains an economic gulf that some entrepreneurs and investors see as an opportunity. Ad spending on podcasting is around $500 million, by some estimates, but that compares to $17 billion or more for radio.

So where is podcasting heading next? How will speech recognition, smart speakers and other innovations change the landscape for podcasts? Should you start your own show? Could you make any money if you did?

The future of podcasting: Can the business of audio content catch up with the creative revolution?

Last month, the Pulitzer Prize Board announced that there will now be a Pulitzer for audio reporting, further proving that podcasting has become an unignorable cultural force. In the announcement, Pulitzer Administrator Dana Canedy explained that the renaissance of audio journalism in recent years has given rise to an extraordinary array of non-fiction storytelling.

Investigative podcasts are exploding. Here are six great ones to get you started.

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

Vox Media Podcast Network now generates over $10 million a year in revenue from a roster of more than 200 shows across Voxs 14 brands, including those produced with partners like Stitcher. While president of Vox Media Studios Marty Moe would not disclose revenue figures, he said the goal is to double the eight-figure revenue business. This would mean a minimum of $20 million in 2020. In all, Vox Media worked with over 100 different podcast advertisers last year and he said he expects this number to grow this year, although the focus is on expanding hit podcasts.

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Podcasts are growing; we are all going to make millions, get on it, quick! This seems to be the general consensus at the minute.

Now, I can understand the excitement, I’m excited too. A passionate, engaged audience, an intimate environment, niche targeting opportunities; it’s hard not to be interested. So, it’s absolutely no surprise that 75% of brands expect to spend big in the podcast realm this year.

How you do it is the important thing. Fundamentally, you have two options - either to advertise in the space or make your own branded podcast.

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Podcasting has enormous potential for publishers, given the mobile portability of the format and the possibility of converting text content into a spoken-word format listeners can consume while doing other activities. The IAB estimated the podcasting advertising market in the United States may exceed $1 billion by next year, a tenfold increase since 2015.

That estimate is encouraging, but podcasting needs to catch up to the needs of sponsors to become more viable amid a crowded media marketplace.

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We have seen how the radio industry has steadily increased its digital revenue, crossing the $1 billion mark in 2019, according to the RAB. As radio stations look to generate new business, to battle digital monsters Facebook and Google who are coming for their local ad dollars, could podcasting be radio’s next revenue star?

Radio has certainly gotten into the podcast content game, with big companies launching their own networks, some creating original content and most stations converting on-air shows to on-demand podcasts. Revenue has been somewhat elusive so far.

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A tool called Headliner is solving the discoverability issue in podcasting in a couple different ways, for both consumers and creators.

On the creation side, Headliner allows podcasters to upload snippets of their podcasts, which Headliner transforms into videos, complete with automatic captions and spiffy images or clips of your choice. The resulting files, called audiograms, can be uploaded to the social media site of your choice (unlike audio files, which no major social network allows to be uploaded).

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Podcasting is becoming the fastest growing audio platform in the world, with new shows created each week.

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Advantage: Convenience

With podcasting, you do not have to worry that your audience is busy offline when you make your sales pitch. A listener can download the file and replay it at whatever time is convenient for him, even while jogging or driving to work. If someone chooses to subscribe to your podcast feed, he can get any podcasts of interest downloaded automatically. If you want all your employees to hear what you have to say, podcasting is often easier than trying to get everyone together for one meeting.

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From a walk along Watling Street to exploring space or the music of west Africa, these podcasts will take you out of your living room and into another world

10 Best Travel Podcasts

Like so many people throughout the country, we at NPR's Student Podcast Challenge are working from home right now. And after months of teaching students how to make a homemade podcast, we put our skills to the test: The latest episode of our podcast was recorded from our bedrooms.


Host/producer Lauren Migaki recorded a podcast from her home/pillow fort studio.

We used pillow forts (just like in our how-to video!), bulky headphones and special, professional-grade microphones. But don't let the equipment discourage you — with just a couple tweaks you can use essentially the same setup: Replace the headphones with earbuds, and the mics with a mobile device like a cell phone or tablet, and you are ready to go!

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That podcasting is on the rise should come as a surprise to no one. But the Jacobs Media Tech Survey 2020 gives this trend some granularity. According to their research, more than one in four now listen to podcasts weekly, or more often.

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FEDERATED MEDIA has launched a podcast division, including a podcast network as well as production and marketing services, with 46 podcasts at launch, including original shows, branded podcasts, and repurposed radio content.

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What are the biggest digital marketing and branding trends shaping the year ahead? How will marketers approach increasing brand awareness, attracting new customers and growing revenue in an always on digital world where the only guarantee is change?

2020 will be like nothing we have seen before in the digital landscape.

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As the global COVID-19 pandemic sweeps the globe, it appears more people are turning to podcasts for news and scientific information as much as a distraction.

Acast, one of the world's largest podcast hosting and analytics companies, said new listening figures for March 21-22 saw a 7% increase in listens globally, equivalent to more than 750,000 podcast plays.

Although some categories experienced declines, podcasts in the education, entertainment, science, medicine and health genres were all up more than 10%.

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With commuting on hold and everybody Zooming all the time, podcast consumption has taken a bit of a hit as listeners look for new ways to fit shows into their daily routines.

Last month, the analytics firm Chartable released research suggesting that podcast downloads were 10% lower on March 25 than they were on February 26.

Those numbers deserve to be taken with a grain of salt. Chartable, like Podtrac and other podcasting analytics services, is an opt-in analytics service, and many different podcast networks, ranging from Entercom to Vox Media, showed increased listening last month.

There are early signs that media will be one of many industries to take a huge blow from the COVID-19 pandemic, with sharp declines in ad revenue and significant layoffs. Podcasting is unlikely to be an exception; Podtrac recently reported that downloads have fallen 10% since the beginning of March, while unique listeners fell by 20%.

A different picture emerged when I spoke to Ross Adams,  CEO of podcast advertising company Acast, which works with both bedroom podcasters and large publishers like the BBC and PBS NewsHour.

Adams said listenership is not down — it’s just that audiences have changed when they are listening and what they’re listening to, with Acast  seeing its largest weekends ever in recent weeks. And plenty of people want to start new podcasts; signups for the Acast Open platform increased 49% month-over-month in March.

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.

More than half of the U.S. population over age 12 has now listened to a podcast, according to Edison Research. The medium has fundamentally altered the landscape for audio content, liberating and empowering both listeners and creators.

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.

Before the emergence of television and more recently smartphones as the primary medium for communicating sports news, radio was the main conduit for receiving the latest information. Those analog days have been converted into zeros and ones in our current digital age. However, the advantages gained by apps and channels have their drawbacks. The largest problem is that these digital mediums cant recreate the local community cultivated by radio anymore. Kevin Jones, a seasoned sports reporter, understood the gap between younger audiences and sports discussion and built Blue Wire to bridge the chasm. Blue Wire is a sports podcasting startup bringing together local creators to build a wider audience of fans. They have raised $1.2 million from a variety of investors.

Podcast measurement company Podtrac has recorded mostly negative week-over-week download and unique audience growth since social distancing measures began. The declines were most severe in mid-March when major cities began shelter-in-place requirements and nonessential American workers began working from home. As of the week of April 27, however, weekly download and audience growth are slowly ticking back up.

But it is not all bad news: Podtrac found that for the shows it measures, year-to-date growth overall is still positive with major download growth in categories like news, comedy and business.

Blubrry has released its new Private Internal Podcasting service for businesses looking to lock down their podcasts to protect them from public distribution.

The hosting service is offering three levels of security based on three hosting plans, simple (limiting private podcasts to 50 user-seats), standard (additional security and 200 user-seats), and enterprise (500 user-seats, most secure).

Over the last 18 months, Spotify has been pushing to expand its platform from a music-streaming service to all types of audio. Podcasting has been a major focus, and led CEO Daniel Ek to acquire companies like Gimlet, Anchor, Parcast, and The Ringer, as well as sign exclusive contracts with big names like the Obamas.

Spotifys latest deal could accelerate the growth of its podcast audience. The Joe Rogan Experience is coming to Spotify, and will be exclusive to the platform by the end of the year. That is a big blow to Apple, which sports the most popular podcast listening app.

Put simply, a podcast is a web series in an audio format. It can be downloaded by the listener or it can be streamed. The joy of the podcast is that you can listen to them wherever you are. Whether you’re in the car, in the house, on the train, or doing the ironing.

Many people find podcast series that they love and will avidly listen to every episode. Some podcasts have such great followings that they spawn live tours, books, and other merchandise.

Although podcasts have seen a meteoric rise in popularity in recent years, the root of podcasts actually goes all the way back to the 1980s when they were called audio blogs.

But it wasn’t high-speed broadband and the invention of Apple iPods and smartphones came along that the world was ready for the podcast. The rise in internet speeds that made downloading or streaming podcasts possible timed itself well with the perfect devices to listen to them on.

The dent COVID-19 put in podcast advertising hasn’t stopped the market from growing.

Revenues in the podcast advertising market are projected to grow 14.7% year over year to nearly $1 billion in 2020, according to the IAB and PricewaterhouseCooper’s full year podcast ad revenue study, released Monday. IAB surveyed 19 podcast publishers and ad networks prior to the pandemic and followed up in mid-April with another survey about COVID-19’s impact on the industry.

That 14.7% projection is a downgrade from the IAB’s pre-pandemic expectations of 29.6% growth in 2020, 55% growth in 2021 and 36% growth in 2022. Those figures were based on podcast advertising’s growth to $708 million in 2019 (48% year over year).

But 2020s decelerated growth is still a positive given how the pandemic has decimated other mediums, said Zoe Soon, VP of consumer experience center at the IAB.

Here are seven ways you can avoid common virtual sales meeting technology mistakes

1. Prepare meeting attendees in advance with clear instructions
2. Run a tech check
3. Increase your internet speed and bandwidth
4. Choose a reliable meeting platform
5. Invest in quality audio and video
6. Master your platform
7. Have a backup plan