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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.

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.

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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.

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?

complete article

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When the pandemic hit us, nobody anticipated the extent to which it would alter our lives. Just over a year ago, the coronavirus was spreading only in the unfamiliar region of China’s Hubei province. Today, every major country is reeling under its effects, with people trying to balance work, home and social wellbeing. While our routines remained restricted due to imposed limitations on movement, it has provided us additional time to spend at home.

Moreover, the work-from-home phenomenon has given employees the flexibility to accommodate the various facets of everyday life. People now have a myriad of options to pick and keep them entertained and connected to the world. Over the months since the initial lockdowns, there is a significant buzz, with reports suggesting a spike in mobile phone usage, online shopping, OTT video content and podcasting.

As the COVID-19 pandemic complicates that exchange, several artists have found another way to connect. Launching podcasts that sweep the corners of their musical experience, they sound out their voices in fulfilling fashion.

Robin Anderson and Audra Sergel launched their Musicians Dish podcast in September. The show represents both a natural expression of their friendship and an extension of their concerns as freelance artists.

Whether recording on their own or collaborating, Anderson and Sergel nimbly blend elements of pop, jazz and musical theater. Each songwriter's work unites bold humor and deep sentiment — as does their podcast, which is irreverent and informed.

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Farmscape for November 12, 2024

A Guelph based hog market analyst is forecasting a modest increase in Canadian pork production in 2025 and higher prices.
“The Competitive Status of the Canadian Pork Industry,” was the topic of a keynote address last week at Saskatchewan Pork Industry Symposium 2024 in Saskatoon.
Kevin Grier, with Kevin Grier Market Analysis and Consulting, says Canada is the sixth largest pork producer in the world but the fourth largest exporter so, as the old saying goes, it punches above its weight.

Quote-Kevin Grier-Kevin Grier Market Analysis and Consulting:
In terms of the outlook for 2025 I'm expecting, based on the last Hogs and Pigs Report, to have a modest increase in production in 2025.
We have less beef because of where we are at in the cattle cycle and we're going to have less beef next year and the year after that so pork should be able to make competitive gains in the meat case or on the menu at restaurants so, in some respects, the pork industry is probably hoping that pork can gain market share at the expense of beef.
We still will be aggressive exporters and I'm hoping to see, for the sake of the industry, improved demand in 2025 because of the beef situation so we should have more production.
But, probably and hopefully for the sake of producers, we should see an increased price in 2025 compared to 2024.
Again, part of our keys is the fact that we are a low-cost producer at the farm level.
According to data from InterPIG, Canada is always among the lowest cost producers in the world, a little bit higher cost than Brazil or the United States, but always right there among the most competitive in terms of producer production costs.
We may not be a low-cost producer at the packer level but we compete in other ways, through increased quality specifications, service, that sort of thing so from the farm to the packer we are competitive industry and that's how we compete, on costs but also on service and quality.

Grier invites any interested to contact him at kevingrier.com to request a three-month trial subscription to his Canadian Pork Market Report.
For more visit Farmscape.Ca.
Bruce Cochrane.

       *Farmscape is produced on behalf of North America’s pork producers

Even as Sony renews its determination that its new DVD format Blu-Ray will not to relive the painful Betamax experience of losing to VHS, Samsung seems to be positioning itself as a quiet arbiter of standards cross-compliance for consumer electronics...

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