There’s always something to howl about.

Category: Real Estate (page 81 of 266)

With zinepal.com you can create a targeted magazine in no time flat

The Scenius set, set in motion by Teri Lussier, has been playing with a clever little web app called zinepal.com.

It’s a further elaboration on the kind of feed games we’ve been playing for months, but zinepal takes us into the world of atoms.

What does it do? Working from RSS feeds you feed to it, zinepal makes a newsletterish kind of magazine, saving your selected content as a PDF file and also as Kindle tinder.

What can you do with it? Teri saw zinepal as a physical magazine, and Brian Brady wanted to take it to every barber shop in town.

Brad Coy saw it as a way of promoting $800,000 starter-condos to impoverished San Franciscans.

I don’t care a lot about paper documents, but a PDF file is much better than formatted HTML for communicating print-like ideas in email. And if the person on the other end wants to print — or forward — your content — shazam!

Other folks had other ideas, and they can speak for themselves.

But what can you come up with? Take yourself to zinepal.com and see what you can put together.

I traded email with the developer today. He’s eager to improve the product, and there ain’t nobody with publishing needs like Realtors and lenders.

In support of zinepal, I implemented feeds in Scenius scenes today. That way, you could use a scene to aggregate content from multiple sources, then pass that one feed along to zinepal.

This is a cool tool. It could use more graphic control, and you can paint yourself into some unsightly corners. But for a quick and dirty tool for turning blog-based content into (real or virtual) dead-tree content, zinepal rocks.

Technorati Tags: , ,

“If I never make a single payment on my super-cheap FHA loan, do I still get my $8,000 tax credit?”

WAPO:

The last time the housing market was this bad, Congress set up the Federal Housing Administration to insure Depression-era mortgages that lenders wouldn’t otherwise make.

This decade’s housing boom rendered the agency irrelevant. Americans raced to aggressive lenders, seduced by easy credit and loans with no upfront costs. But the subprime mortgage market has crashed and borrowers are flocking back to the FHA, which has become the only option for those who lack hefty down payments or stellar credit. The agency’s historic role in backing mortgages is more crucial now than at any time since its founding.

With the surge in new loans, however, comes a new threat. Many borrowers are defaulting as quickly as they take out the loans. In the past year alone, the number of borrowers who failed to make more than a single payment before defaulting on FHA-backed mortgages has nearly tripled, far outpacing the agency’s overall growth in new loans, according to a Washington Post analysis of federal data.

Many industry experts attribute the jump in these instant defaults to factors that include the weak economy, lax scrutiny of prospective borrowers and most notably, foul play among unscrupulous lenders looking to make a quick buck.

If a loan “is going into default immediately, it clearly suggests impropriety and fraudulent activity,” said Kenneth Donohue, the inspector general of the Department of Housing and Urban Development, which includes the FHA.

The spike in quick defaults follows the pattern that preceded the collapse of the subprime market as some of the same flawed lending practices that contributed to the mortgage crisis are now eroding one of the main federal agencies charged with addressing it. During the subprime lending boom, many mortgage brokers and small lenders milked the market for commissions and fees by making as many loans as possible with little regard for whether they could be repaid.

Once again, thousands of borrowers are getting loans they do not stand a chance of repaying. Only now, unlike in the subprime meltdown, Congress would have to bail out the lenders if the FHA cannot make good on guarantees from its existing reserves. And those once-robust reserves Read more

No, Mr. President. I Won’t Stand Down.

I tried so hard to keep an open mind about this Obama guy.  The optimism of our people on Inauguration Day was infectious.  The snappy patter of the “three words” video had my toes tapping and heart filled with optimism.  Alas, the honeymoon is over.  I now stand firm in my belief that President Obama has “The American Experiment”  in his cross hairs with a bunker-busting Marxist bomb as the payload.

Obama’s defeatist attitude as President, which is markedly different than his optimistic attitude as a candidate, is permeating society as we know it.  Witness Tom Vanderwell’s observation:

…we are now in a situation where the government does own some of the banking industry and the debate should now be about the how and not the whether or not.

In fairness to Tom, he’s the messenger and not the message but I, for one, am not willing to model the American banking system after the 1982 Mexican coupI’m getting out my tin-foil hat and screaming from the street corners that nationalising (sic) the banks is unacceptable.  My comment to Tom:

Actually, it should be about the how not. How quickly can we break up these outdated institutions and get them in the hands of local, productive entrepreneurs?

As you might have guessed, Tom’s in complete agreement with me:

Absolutely. My point was that essentially we’re already nationalizing them, let’s focus on what we have to do to get them reshaped into the type of institutions that will actually work….

It’s not just the banks.  Wall Street had a small rally this past Friday morning.  The unemployment report came out and while the figures were gruesome, the Street expected this mess and shrugged it off until…

The leader of the (still) Free (but holding) World said that this is the worst news since the Great Depression.  His comment struck fear in the hearts of every trader at a post and prompted a 200 point reversal in DJIA fortune.  By the way, with the Dow under 7000, 200 points matters;  it’s a 3% swing.  Fortunately, those same scared traders ignored our Boy-Leader and focused on the fundamentals of the market; Read more

Don’t miss Part II of Matt Carter’s gripping series on AR vs Move

I didn’t want to let this pass without remarking on it:

The second part of Matt Carter’s gripping series on the abortive takeover of Active Rain by Move, Inc. is up today.

I thought AR’s lawsuit against Move was a joke from the first, and there is nothing in the text to lead me to change my views.

But, man! The drama of it all! Matt Carter has the skeleton of a good book, a cautionary tale about what happens when the wide-eyed world of Web 2.0 comes up against a crew of grizzled Wall Street-trained veterans. Lo-tech don’t mean no-tech.

Here’s the moral, if you’re the skip-ahead kind of reader: Verbal agreements are not worth the paper they’re printed on.

Fascinating reading, both parts. Well worth your time.

Technorati Tags: , , , ,

If you’re in the Phoenix area on April 22 and you want to learn a whole lot about how to use Web 2.0 to promote your real estate practice — I’m in the Yellow Pages under chopped liver

I’m having an exceptional week.

On top of money work, I got the Universal Contact Form to the point where I can deploy new variations in seconds.

I’ve been playing Gooder games for fun — except the fun keeps turning into profit.

I worked out an algorithm for round-tripping data out of and back into Heap, making it possible to use rigorously self-populating forms to get existing databased prospects to scrub their own records. I did a small piece of this before Seattle, but I fleshed out the whole strategy this week.

That algorithm is general enough that it can be used to generate any kind of intelligent email: Any CSV file can become an email that uses a coded URL to self-populate a form that in turn produces other intelligent results: New database records, new CSV files, etc.

I hit upon — but have not yet implemented — a completely new way of organizing my sidebar at our Phoenix real estate weblog to make each WordPress Page its own quarterback in still more Gooder games — all of which, of course, are also Heap games.

I’ve been bugging Michael Wurzer at FBS Systems about making the FlexMLS IDX system responsive to coded URLs. If they will do this, I can build forms that can punch data into Flex just as I’m doing with Heap.

And today I worked out a way to take back the fattest third of the long tail from HomeZillTruGain at a cost in money and labor approaching zero dollars and zero cents. To the contrary, what I’m doing should actually pay us in added incremental SEO juice.

And the funny part is, I have two other long tail strategies that, so far, I’ve only implemented in pilot projects because those two do require a modicum of labor and I just don’t have the time to throw at them.

My thinking is that, by the time I’m done, I can plant three sloppy Bloodhound kisses on the first page of the SERPs for maybe 2,000 long tail keywords — maybe more.

And that’s just the stuff that I’m thinking about right now. The first quarter of 2009 Read more

Duality (minus the metamathematics)

Most days I simply breathe, terminus. I place one foot in front of the other, chomp on whatever elephant is in the room—one bite at a time, and mind my own real estate business.  Occasionally,  I stick two cents worth of my neck out into the Social Networking traffic snarl… then quickly retreat and power-lock the doors after posting a terse one liner or two in the Comment section but  before the light turns yellow reminding me to STOP,  lest they find me out and veer into the HOV lane where yes, I sometimes poach alone.  The rest of the time I’m thinking of something decent to compose that doesn’t state the obvious or contribute to someone else’s conspiracy theory.

I’ve mentioned before that I only need to be 51% in favor of something to concur, though it’s not as easy as it sounds. I find myself  indifferent about so many things, in these,  my middle years, that I’m often unsure where I stand on even the simplest points or issues. Lobbying for those last few votes in my own head seems a waste of  electromagnetic energy better spent on, I don’t know…. apathy?  So here’s what’s been brining  in the mental stock pot since last I published here:

My economic survival instincts tell me I’m a conservative but my starving conscious contact still whispers liberal.

I can barely tolerate NAR but I sell real estate to make a living and thus, support the paper tiger.

I think I support NRA but I’ve never been too crazy about weapons.

I often get the two groups mixed up.

Same with AA and AAA.

I can’t stand the thought of cruelty to any animal but I love a T-bone steak,  rare.

I can usually recall the names on Facebook but not the actual faces.

I loathe the New York Times but enjoy The New Yorker.

I admire anyone who admits a mistake promptly although I’m generally intolerant of mistakes.

I prefer being a Buyer’s Agent over a Listing Agent any day of the week, especially Sundays.

‘The Take Away’ is the most powerful Closing technique  if you really want closure.

I don’t particularly like the genre Read more

Brief links: Todd Carpenter at REBarCamp Virginia, Active Rain versus Move and why the Kindle iPhone app is too-little, too-late

Daniel Rothamel made a UStream video of Todd Carpenter’s appearance yesterday at REBarCamp Virginia. Todd acquitted himself fairly well, only now and then sounding like an oily, evasive politician. His mien was perfect: Middle-management nerd, which is his newly-assigned role.

His boss, Hillary Marsh, also spoke, and she was a lot less encouraging. She clearly sees social media — essentially Twitter to her — as yet another spam channel for NAR agitprop blather. Here’s how it is: People don’t respond to the NAR’s ActionSpams, but it’s not because they hate the NAR and despise its continual abuse of the political process. No, it’s because they’re not being spammed enough. Yeesh!

There was a long discussion about NAR responsiveness, but it boils down to this: You will become one with The Borg. The NAR will be happy to listen to your complaints as long as you don’t have any. Nothing new…

Matt Carter has a killer two-parter on Move’s failed attempt to acquire ActiveRain and AR’s subsequent lawsuit against Move:

By the time the deal fell through in May 2007, the window of opportunity for ActiveRain’s founders to cash in on their site’s success had closed, attorneys for the company claimed. In an August 2007 lawsuit ActiveRain sought $33 million in damages, alleging breach of contract, unjust enrichment, unfair competition, fraud and deceit.

Last month, attorneys for Move and ActiveRain said a settlement had been reached in which each side would bear its own costs and attorneys’ fees. They asked U.S. District Judge Dean Pregerson to dismiss the case “with prejudice” — meaning ActiveRain would be barred from filing another suit making the same claim.

This was interesting to me: While he was employed by Move, Inc., Dustin Luther was casting about for ways to pimp the RE.net to Move:

Move had hired a prominent real estate blogger, Dustin Luther, and developed a set of company blogs. A team under Samuelson was working to develop more sophisticated blogging and social networking capabilities for Move.

Realtors are “probably our largest untapped resource,” Luther said in a Nov. 1, 2006, e-mail to Move’s then-CEO Mike Long. “There are hundreds (if not thousands) Read more

engenu Epiphany #2: A hierarchy of Folders becomes a hierachy of Pages becomes a functional web site

I drafted this article a few days ago, before Greg posted his video demo of engenu.  Coincidentally, I think my post here serves as a pretty good introduction to the engenu functions that are covered in the video.

I like Greg’s description of  engenu’s functionality here.  (About two thirds of the way down in the post, below the photos.)

And once you own the basic, core engenu concept of folders become pages, what Greg is describing is logical,  and actually quite easy to do.

But I think I a simpler, pared down example of folders becoming pages becoming a web site will help everyone get from here to there.

Suppose I want to build a very simple, single property web site.

I want a page with the property description to be the main entry page.  I want three sub-pages.  One with neighborhood information, one with my bio, and a contact me page.

If I was working in WordPress, I’d log into my WordPress Dashboard, create each each page, set the front page display to the property description page, and activate the Pages widget to display a list of pages in the sidebar, or handcode them into sidebar.php.

To build the same site in engenu, the paradigm shifts to setting up the structure offline first.

I have found it is quick and easy to just create folders with my FTP program.

First I’d create an empty folder named “123 Green Street”.  Yes, that folder could also contain PDFs, and images which will automatically become a slideshow,  but hold that thought for the later.

Then I open the empty “123 Green Street” folder, and create three empty sub-folders inside of it:  “Neighborhood Information”, “About Me” and “Contact Me”.

In the FTP program, I move back up a level, and upload the “123 Green Street” folder to my host/server.  Since the other three folders are nested inside of “123 Green Street”, they get uploaded, too, in one quick zap.

Now I go to mysite.com/engenu and process the whole shebang through engenu.  All four folders became pages, with 123 Green Street set as the Read more

Demoing engenu: Building a web page, building that page into a web site, adding more content to that web site, reconfiguring the site, building a PDF site and repurposing standing content

This is a 38 minute video of me demoing a lot of different engenu functions. I got myself slightly screwed up in the middle, because I expected automatic inheritance to work at the level I was working on. In fact, it only works on folder levels below your current level, whatever that is. So when you make changes affecting the sidebar at the top level, which is what I was doing, you have to go in and make them manually.

I’m doing a lot of stuff in this video, but the way to learn how to use engenu is to use it.

Let me emphasize this: In this video, I spend most of my time talking, but in the course of all that chatter I built maybe 40 web pages, total. If you can build 40 new web pages in 38 minutes while you’re busy talking, good on ya. If not, you should learn how to use this software.

I’m embedding this, also, at Understanding engenu.

Tell Todd Carpenter to stand down. “The Social Media Marketing Institute” is how the RE.net will be sold to the NAR.

As Monsignor Cecil used to say: Oh, my sweet, suffering Jesus… And in echoing that exhortation, I am doing something none of these “experts” can do in return: Giving them a link from a PR5 weblog.

I would eviscerate the writing style on the web site, but it’s too painful to look at. Okay, just a taste, but you asked for it:

The designation course is the first of its type with relevant content-rich material and cutting edge techniques utilized by these Social Media pioneers.

They left out all the relevant content-poor material, along with the stuff that was content-rich but irrelevant, thus to leave more time for utilizing cutting edge techniques.

Evidently commas are not on the cutting edge, but they wouldn’t help, anyway. As we have discussed before, “Neither can his Mind be thought to be in Tune, whose words do jarre; nor his reason in frame, whose sentence is preposterous.” People who write badly think badly. You permit them to enter your mind at your own risk.

I don’t mind these self-made mediocrities — all of them, not just this crew — chasing people away from here. It works to our benefit: We end up talking only to people who can keep up with us, a boon for everyone. But I can only foresee two futures for a stunt like this:

First, they will milk the punters with a second-rate curriculum. This by itself is hardly rare.

And, second, they will sell this lipstick-slathered pig to the NAR, where it will ossify — which is not to imply that it is, even at present, timely or relevant — or worthwhile. Given some of the people involved — and the recommendation to buy a Kindle! — I would expect the opposite.

But disappointing people don’t disappoint us — when we have our minds properly inverted. Consider this, from the “Affiliate Links” section:

In some cases, we have also negotiated a “commission” to SMMI as well.

Yours is not to ponder oughts, yours is to be sold and bought.

Drop me a line when you get sick of being the entree at the Feast of the Vendorsluts.

Putting the charm back into CRM: Introducing Top of Mind Networks’ Mark Green

Joining us today is Mark Green of Top of Mind Networks, a lender-focused CRM system with automated follow-ups.

Mark is a database marketing expert, permission Marketing disciple and overall CRM junkie. He’ll bring a dry wit, along with practical execution strategies that’ll help you evolve beyond sending meatloaf recipe cards to your client database.

Mark lives with his wife Abby and 5-year old daughter in Atlanta, Georgia.

As a matter of disclosure, Mark’s product is used by Brian Brady and possibly other BloodhoundBlog contributors. Like the rest of us, he’s not here to sell product, but he won’t kick you out of bed if you approach him with the right proposition.

Technorati Tags: , ,

Daisy-chained source-tracking with the Universal Contact Form

One of the features I built into the Universal Contact Form last night is source tracking. This is Direct Marketing 101 — know where your efforts are producing the best returns.

So to invoke the form with source-tracking, you would just do this:

http://www.domain.com/UniversalContactForm.php?source=CLad2

In this case, we’re assuming that the source of the click into the form is a Craigslist posting.

Same thing, but as a unique form:

http://www.domain.com/UniversalContactForm.php
?action=Relocation&source=CLad2

(I had to break the line at the question mark to make it fit. Here and below, these should be seen as being all one line.)

In reality, though, you’re not going to want to go directly to the form. You’re going to want to hit a landing page that has the form as its call to action. And, in light of that, you’re going to “include” the form in PHP.

Alas, the variables passed from the URL in your Craigslist ad will be lost. You can’t live without the action variable, but you already know what to do about that: Hard code it.

And that’s essentially what you’ll do with the source variable, as well — except you’ll soft code both variables by passing them through.

So you invoke the form like this:

include ("http://www.domain.com/UniversalContactForm.php
?action=$action&source=$source");

The action variable is being received into the PHP variable $action on the way into the landing page, and source is being received into $source. When you do the “include,” you are transferring to another variable space, so you need to pack up the two variables and ship them along as you go.

But having done that, the form has access to them, so it behaves just as you want it to. You can daisy-chain like that as many times as you need to and the form will still receive the variables.

Building an even more universal Universal Contact Form

I’ve talked before about the idea of a software universe — where the set of actions possible in a given software configuration is so large that you can come up with tools and techniques never anticipated by the developers.

We went through this last fall when we started playing with WordPress Multiuser — and I ended up with my “featured listings” database running out of two Scenius scenes.

I’ve been enthralled all week with the idea of web-based forms that can talk to — and drive — my Heap database. I want to revise every form we have to work the Heap way, and I have a zillion ideas for a zillion new forms.

In consequence, today I rewrote my Universal Contact Form for the fourth time.

What I wanted was something I could use in many circumstances, in pursuit of many objectives, without creating one-off, manually-edited versions of the form.

For one thing, I want to play with “Gooder Group”-style ideas in a big way, and that will require a bunch of unique forms. So I built a form that I could make unique by editing parameter files, rather than by editing and re-editing PHP code.

Here are the major changes:

1. Any headlines or text setting up the form are now outside of the form and are your responsibility. The form begins with the anti-spam disclaimer and ends with the “submit” button. Everything else is up to you.

2. The behavior of the Heap-specific initialization file now includes optional menu-selected landing pages. Kudos to Scott Cowan for this wonderful idea.

3. The form behaves differently based on the contents of the Heap-specific initialization file.

4. It is now possible to invoke custom configurations of the form via the calling URL.

5. I added optional source-tracking.

Taken altogether, this change to the Universal Contact Form permits you to create as many unique variations of the form as you might need.

But: That’s all just chatter. Let’s see it in action:

Register here to get your own copy of the newer, even more-universal Universal Contact Form

< ?PHP include("http://www.bloodhoundrealty.com/UniversalContactForm.php?action=Register&source=BHB"); ?>

Play with it. Work with it. Let me know if you can break it.

The federal government’s housing casino will never play fair as long as there are votes to be bought by cheating

This is my column for this week from the Arizona Republic (permanent link). Since I wrote this on Tuesday, events have overtaken some details, but it remains that few if any borrowers in the Phoenix area will be able to renegotiate or modify their loans under the Obama plan. Everyone who used to have home equity will still get to bear their losses unassisted, however.

 
The federal government’s housing casino will never play fair as long as there are votes to be bought by cheating

To qualify for a renegotiated mortgage under the plan President Obama announced last week, your new loan can be as much as 105% of your old loan — which sounds to me like curing alcoholism with a good stiff drink.

But the people who are in the worst trouble on their loans bought with 100% financing. Even if there had been no decline in values, they probably could not refinance at 105%, not without bringing cash to cover the closing costs.

But, of course, the typical home in the West Valley is down 50% from its peak value in December of 2005.

Suppose you bought a new home for Christmas 2005, paying $275,000. If you get everything just right, you might be able to sell it today for $135,000. You still owe $275,000, but you can refinance your note at only $141,750 under the Obama plan.

Something’s going to have to give.

But what about the people who were move-up buyers in 2005? They may have put 50% down, which means they’ve lost all their equity, but they probably can’t lay claim on a hardship refinancing. What about the people who paid all-cash? Now we’re talking about people who have actually lost real money — their own money.

Meanwhile, many of the people who end up qualifying for restructuring could easily continue to pay on their notes. We all of us pay on our car loans, even though a car loses half its value when you drive it off the lot.

But we don’t think of our cars, clothing, furniture or appliances as investments. By mucking around in the real estate market, the federal government Read more

How does a success like REBarCamp avoid the shoe pinch of growing pains?

Rob Hahn is at it again. He likes to instigate, but since he’s so charming, I fall for it. However, unlike our Fred v Gene cage fight, this time I’m serious.

Rob thinks a clearinghouse for national sponsorships for Real Estate Bar Camps is a fine idea, and suggests BHG, or Trulia could step up to the plate.

I don’t think it should become the organizer, or start putting rules and such into place (except the obvious unavoidable ones, like “don’t run off with the money”). But it would be helpful for those of us interested in sponsoring REBC’s.

I vote eek.

I like the idea of BarCamp- loose, free, perfect fit for my brain. And I like that it’s organized by passionate people. I have years of volunteer experience under my belt- big, national organizations, and little local organizations. I can appreciate and respect the time and talent that goes into creating a successful event. My concern with Rob’s suggestion is the fact that sponsors do get preferential treatment. Often this type of arrangement is benign, as in local businesses contribute $20.00 worth of coupons to help fill out a PTO raffle, but we are not talking about that. Although, as an aside, if REBC organizers are not looking at the local businesses- local inspectors, local lenders, local photographers as participants (and maybe they do?) then they might be missing some extraordinary partnering possibilities. Looking at the REBarCamp/Seattle site, it’s all national sponsors. Getting local companies involved would truly be in the BarCamp philosophy, wouldn’t it?

Back to the point. Here’s the thing: Corporations don’t give to organizations, or un-organizations, out of the kindness of their hearts. They just don’t. They give because they expect something in return. Always. Their name here or there, their “presentation”, their branded junk, their “let us help you use our product” panel. BarCamps are free flowing and loose, the sponsor is twittering away with us, and golly darn-it, they are super nice! They bought us drinks at that other wingding- don’t you remember? What can it hurt if they become the go-to guys?

It hurts because you can’t speak out Read more