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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...

(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.

Nielsen has launched Nielsen Podcast Listener Buying Power Service, an analytics tool providing insights matching podcast listeners by genre with their buying habits.

The tool is placed to help pair podcasts with advertisers by detailing the interests and expenses of audiences.

The product, from Nielsen Scarborough, launches with iHeartMedia, Cadence13, Stitcher, Westwood One and Cabana as clients.

Clients will be able to profile shows using program titles collected from subscribers. In order to connect specific types of listeners with particular advertisers and specific program-level insights - built from a sample of 30,000 respondents.

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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

Podcasting is recording strong growth in the UK, with the most recent Ofcom data showing that 7.1m people listen to podcasts each week – equal to one in eight of the total population. Moreover, this figure increased by 24% from 2018 to 2019, and has more than doubled in the past five years. As part of their in-depth survey of media consumption, Ofcom also found that half of podcast listeners began listening in the last two years, and regular podcast users listen to seven podcasts per week, indicating that, for many people, podcasts are now an important part of their daily lives.

Business ideas for 2020: Podcasting

There is an industry trend toward more direct listener monetization and engagement. This includes crowdfunding, membership, tipping, and donations, as well as exclusive and premium content.

This is a healthy development — expanding the range of touch points with listeners beyond the ad impression and helping publishers diversify their revenue and business models. The trend speaks to the depth of experience that spoken-word audio elicits, and it encompasses other podcast engagement strategies such as live shows, email newsletters, fan clubs, surveys, and experiments with personalization and interactivity.

PodPass wants to build the identity layer for podcasting

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

I do believe the spike in podcast popularity will be good for its myriad providers in many ways. The rising tide and all of that good stuff. But I do worry that many of its most unique independent voices will get bulldozed as big companies rush to construct skyscrapers. It is our job as listeners, fans and podcasters to make sure those voices are not drowned out.

Independent Podcasts

Spotify, the Swedish music and audio streaming giant, has extended its reach further into the growing podcast market with its formal acquisition of the Ringer, a US sports and pop culture platform.

Although Spotify announced the acquisition at the beginning of this month, more details of the deal emerged this week in a filing with the Security and Exchange Commission.

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Podcasts have never been more popular than they are today.

In fact, there are more than 800,000 active podcasts as of 2019, which is a number that only looks to increase in the years to come.

So why are podcasts so popular?

Because they are incredibly huge moneymakers.

Almost a third of Americans listen to at least one podcast a month, and advertisers have noticed.

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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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Can listeners find you? Or is your name and frequency too difficult to find on a voice-controlled device or in a device-controlled system in the car?

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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.

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.

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.

Americans are listening to more business and finance podcasts, with downloads and streams up 78% week-over-week since the COVID-19 pandemic began, iHeartMedia reports.

In fact, as of April 2020, there are more than 30 million podcast episodes on the internet with numbers climbing daily. According to the Financial Times, podcasts have become one of the fastest-growing segments of the media market.

This surging level of interest and engagement in finance podcasts is a golden opportunity for financial advisors, especially those whose seminar and event marketing routines have been turned upside down by the COVID-19 pandemic. During this transition into a new way of doing business, it is important for financial advisors to include creativity and innovation into their post-pandemic marketing and communication plans.

Define your goals and research your topic.

The first step is to figure out your goals upfront. Decide why you want to create a podcast. It can be to complement your blog, find new leads for your business or connect with like-minded people, or it can just be a passion project.

Opt for a co-host.

A podcast can have various formats, including:

• Monologue: One person speaking about their experience.

• Co-hosted podcast: Conversation between two or more hosts.

• Interview: Wherein the host interviews a guest.

• Panel: Discussion among a group of people on a particular topic.

Decide on a catchy name and proper description.

While you can pick a fancy name, it is best to choose a catchy name that helps to convey your identity and what the show is about. The title should be concise and be relevant to the topic. Similarly, while naming your various episodes, include keywords and phrases that a potential listener would use. You can also include the names of well-known personalities who will be featured in a particular episode.

reate an interesting cover picture and intro.

Cover art is the first touch point for people browsing for new podcasts. Get the help of a designer to draft a few options, and choose the best one. Follow the cover picture with an excellent intro. Having a third party introduce you will enhance the value of your podcast by several notches and is a great way to get noticed when you’re first starting out.

Arrange for equipment and software.

To start a podcast, you’re required to have access to and learn to use some easily available equipment and software. Podcasting equipment doesn’t need to be costly. You can start a good audio podcast with basic pieces of equipment such as a microphone, headphones, pop filter, etc. Assess your audio priorities and recording set-up, and decide on the equipment you require. Also, learn about the various software options such as Audacity, GarageBand, Reaper, Adobe Audition, etc. for recording and editing and choose the best one for your needs.

Study script-writing techniques and recording techniques.

Once you have equipment in place, it is time to write the script and record. Beginners should put in the time to learn about script-writing techniques; a clear and smooth recording requires a perfect script that might include a short and sweet introduction, guest introduction, episode discussion, recap of earlier episodes, etc.

1. Relationship Building
2. Infinitely Recurring Revenue
3. Securing Media

The Recount is a new platform that mixes politics and culture. A deal between The Recount and iHeartRaio will result in the two companies producing a series of new podcasts ahead of the 2020 election.

The concept behind podcasting is simple: combine the best qualities of what we love about a radio show with the immense capabilities offered by the digital revolution.

And with this simplicity, comes great diversity. Podcasts come in all shapes and sizes, across languages and borders, dealing with an enormous variety of topics and speaking to the hearts of an ever-growing global audience.

It is no wonder that they have become one of the most beloved and popular media in the 21st century. But how did it all start – and where are we now?

A simple idea: a brief history of how podcasts came to be The advent of the internet and new digital tech has naturally played the biggest part in establishing the podcast industry.

While the concept of audio blogging and on-demand listening to audio and video files has been around since the 1980s, primarily in the context of education and research, podcasting as we know it didn’t really exist until the 2000s. Its existence was in big part thanks to the iPod device launched by Apple in late 2001, which inspired a whole new way of listening to music and audio files.

MTV VJ Adam Curry and developer Dave Winner are widely considered to be the pioneers of the podcast revolution, when they teamed up to develop a software dubbed iPodder in 2004 – and the rest is history.

Digital radio spending has declined during the pandemic, which is in line with reduced advertiser demand. We do, however, expect growth to rebound by 26.8% next year.

But podcast advertising remains a bright spot of growth within digital radio. Spending on all types of podcast ads, including host-read sponsorships, will rise by 10.4% this year to more than $780 million. Next year, podcast ad spending will surpass $1 billion in the US for the first time as growth rebounds to 44.9%. That will boost podcast advertising to almost one-quarter of the digital radio ad market.

With global revenues set to surpass a billion dollars and the tech giants investing in the space at eye-watering price points, no one asks what podcasting is any more. In part one of our series on the sports podcast ecosystem, SportsPro surveys the scene in 2020 to discover the different ways of doing business.

When Spotify acquired digital sports and culture outlet The Ringer back in February, it marked the fourth podcast company acquisition made by the audio streaming giant in the space of 12 months. That US$400 million spending splurge saw Gimlet Media, Anchor FM and Parcast all come under the control of the Swedish company. And it is not just networks being snapped up, either. In May, the Joe Rogan Podcast, a chart leader in most English-language markets and previously withheld from Spotify by the host, was acquired by the firm on an exclusive licence for a reported US$100 million.

The deal, valued at $300 million, is the latest in a string of acquisitions as streaming platforms expand beyond music and video.

What is missing in the audio space today are platforms that empower podcast makers to build membership communities — and make it easier for podcasters to sell their own subscriptions. Today’s biggest platforms are not designed to help podcasters build and strengthen their audiences and their communities.

What’s missing is the ability of a publisher to create rich interactive experiences and distribute that on any app or any smart speaker.

In the coming year, I have no doubt that the biggest podcasting stars will continue to see large paydays as tech platforms bid to buy them out. But unless podcasting platforms evolve, what we could be left with will resemble the big industrial radio oligopoly of the late 1990s, and the diversity and promise of podcasting could begin to disappear.

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.

Podcasting is marketing. And companies have been using branded podcasts for a long time. But while many companies, big and small, have attempted using branded podcasts, not all of them have been equally successful.

Begin with a strategy
No matter what the nature of your business is, creating a branded podcast starts with a sound strategy. What are the objectives of your branded podcast? Who is it for, and what is the purpose behind creating it? These are the first questions we ask any brand before starting an engagement. Well-executed branded podcasts are not about just the podcast, but about everything from strategy to research to storytelling to distribution.

TV meant to be responsive to the moment seemed distant. But podcasts, with the intimate production values, felt more immediate and relevant than ever before.

In a year otherwise defined by loss, one area of our lives has remained untouched; abundant, even. Movie theaters closed and blockbusters were delayed. Music and theater venues shuttered. But TV marched on. The number of original scripted shows dipped slightly, but international series and older shows arriving on the streaming platforms more than filled the void of shows canceled or delayed.

And yet, as the pandemic months piled up, TVs seeming imperviousness to the halt of all other cultural activities started seeming less like a virtue and more like a vice, like denial, like a dispatch from a faker world.

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?

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.

Adword Equalizer Finds The Most Profitable Search Terms And Products For You!

A few tips for making a connection with your Mac modem and the modem at the office.

If you are planning a MacWise upgrade soon, this week would be a good time to do it before the price increase.

Work without distractions, using every inch of your display.
Since full-screen apps use every available pixel, they make working on smaller screens more practical than ever.
Say you like to work with MacWise in full-screen view. But you prefer to keep iCal in a desktop window. You can have it both ways. MacWise has a full-screen button in the top right of the window. Just click it and the app fills the screen. Click the button again to bring MacWise back to the desktop.