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We’ve often talked about how one of my favorite internet models, the intelligent and gorgeous raven riley, continues to be a video game nerd. here is more evidence. I know you guys my think im a dork but i got the new Dance Dance Revolution and i love it! I even got a cool [...]

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(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.

Think about it. When was the last time a new podcast came out that was a mass, mainstream hit? Something that was such a hit that it changed things: brought in masses of new listeners, garnered tons of press, or really altered the perception of what podcasting can be?

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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.

Building out a physical space associated with a podcast business used to be a really good idea. For one thing, it offers an alternative revenue stream — through studio rentals and in-person events, among other things — that could check against the growing but volatile advertising revenue pool. It is also a really good fit for any podcast operation built on a sense of community. Having a physical space for listeners to routinely gather can really strengthen that relationship between publisher and fan, expanding the notion of how that community can be served.

JD: Podcasting — then and now; what do you make of its evolution?

DC: It has gone from being passive to a very personal on-demand commercial work. We have the ability to totally integrate content and commercials - it’s a good mindset. It went from a Howard Stern read to a re-envisioned, re-engaged conversation. It is the new native, a really positive, advertorial. We have the ability to weave in the right message at the right time and see more organic growth for both the listener and the advertiser. If you can think of a subject, there's a podcast for it and more coming on daily.

The COVID-19 restrictions that many countries had to endure forced many people to seek alternative forms of entertainment. One such form is podcasting which has grown in popularity over recent years. According to the most recent financial reports, Spotify reported that 21% of the monthly active users (MUA) have engaged in at least one podcast in the past month.  Data presented by Stockapps.com breaks down the rise of podcasting.

Spotify Records 5% Increase in Podcast Engagement between Q4 of 2019 and Q2 of 2020

The Joe Rogan Experience – the title of Rogans podcast, was the highest-earning podcast of 2019 with revenue of $30M. In September 2020, Joe Rogan officially began his podcasting contract with media giants Spotify, which will eventually see his entire library of content migrate to the platform. The deal is reported to be over $100M.

Spotify has been expanding its podcasts catalogue as they continue to see strong growth in that particular segment. The rate of consumption of podcasts has been growing by triple-digit percentage numbers for the last few years. In Q4 of 2019 16% of Spotifys monthly active users engage in podcast content, by Q2 2020 that number had jumped to 21%.

Any summation of the past year begins and ends with COVID, even if we’re just talking about podcasts. Given everything that’s happened, how can it not?

We had just a little over two months of expected life in 2020 before counties across the United States started implementing initial lockdown measures, drastically altering the shape of everyday activity. Movement was scaled down, businesses were shuttered, and a great cloud of uncertainty descended upon the populace as this massive and utterly terrifying thing unfolded all around us.

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.

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