December 29, 2019

New Year's resolution: Run more productive meetings in 2020

Companies large and small rely on meetings with staff and/or clients to communicate ideas, solve problems, and present initiatives. In fact, over 55 million meetings occur every day in America. Yet one in three meetings waste time, contributing to an estimated $37 billion squandered ever year due to unproductive meetings.

Businesses need to plan and conduct meetings carefully to ensure that goals are accomplished and desired outcomes are reached. This is easier said than done, of course. So for focused and specific strategies designed to steer meetings straight and maximize productivity, I asked three experts for their recommendations. Learn what they recommended by clicking here and reading one of my latest stories published by CO—, the US Chamber of Commerce's site devoted to helping small businesses.

December 23, 2019

Festive and flawless feast-making

You’ve decided to take one for the team and summon the entire clan over for dinner and festivities on December 24 or 25. The invite was the easy part. Now you’ve got to figure out how to balance what's on your menu with your family's preferences and palates.

But prepping, cooking and serving the Christmas meal doesn’t have to be a dreaded or frustrating endeavor. With the right planning, you can ace this banquet, sidestep the stress, and conquer the kitchen with culinary cleverness. This positive process starts with the right mindset. For tips, click here and read my newest piece for CTW Features.

December 14, 2019

Pay attention to this man behind the curtain


In Cineversary podcast episode #18, host Erik Martin talks with guest John Fricke, the world's foremost Oz historian and author of several books about The Wizard of Oz and Judy Garland. Erik and John honor the 80th anniversary of the most watched and arguably the most beloved film in history, "The Wizard of Oz," and explore why this masterwork is worth celebrating all these years later, its cultural impact and legacy, what we can learn from the picture today, how it has stood the test of time, and more.
John Fricke

To listen to this episode, click the "play button" on the embedded streaming player below. Or, you can stream, download or subscribe to the Cineversary podcast using Google Podcasts, Google Play Music, Apple Podcasts/iTunes, Anchor, Breaker, Castbox, Overcast, Pocket Casts, PodBean, RadioPublic, Spotify, Stitcher, and TuneIn.

Learn more about the Cineversary podcast at tinyurl.com/cineversarypodcast and email show comments or suggestions to cineversegroup@gmail.com.

December 8, 2019

Seasonal centerpiece strategies

You’ve trimmed the tree, festooned the windows and bushes with lights, hung up your stockings with care, and strategically positioned the mistletoe up high. But there’s still one item waiting to be crossed off your Christmas prep checklist: Your holiday table.

Whether you plan to provide a festive feast on it or have it simply serve as a decorative focal point noticed by visitors, a handsomely appointed holiday table can make all the difference in December, the experts contend. Find out why and how by reading my article on this topic, published in The Daily Herald.

December 1, 2019

Low cred? Your mortgage dreams aren't dead

Comparison shopping can yield all kinds of bargains, whether it’s a car, groceries, gift, or other item you’re hunting for. And the same is true for mortgage financing. By getting quotes on interest rates and financing fees from different lenders, you’re more likely to score a deal. Now, new research suggests this is especially true for home buyers with less-than-stellar credit scores.

A recent report by Zillow found that those with poorer credit—particularly buyers with scores ranging from 620 to 679—experience more variation in rate quotes than those with better credit. In fact, the median spread for standard mortgage loans (excluding loans that require PMI, private mortgage insurance) was nearly 97 basis points vs. 109 basis points for VA loans and 86 basis points for jumbo loans. That means the rates for borrowers with poorer credit often ranged by around a full percentage point or more. Costlier markets like Seattle, Los Angeles, and San Francisco had the widest gulf in rate quotes—probably due to a bigger share of quotes sought for jumbo loans.

The moral to this story? It’s worth your time to shop around for a mortgage loan, particularly if your credit score is less than 700. Learn more by reading my newest article for CTW Features, published in the Dallas Morning News, available here.

November 25, 2019

Gigantic news at The Atlantic


When you’ve been in the publishing business since 1857, you can rightfully say that you’ve learned a thing or two about longevity and how to make a product continually appealing to ever-changing consumers. The key to maintaining that allure today, apparently, is to make things look simple without losing your sophistication. For The Atlantic, that means taking an A-to-Z approach, beginning – literally – with a capital “A” and ending with a close eye on Gen Z, your future readers.

To better compete for eyeballs in the increasingly digital world of journalism, the publication recently undertook a significant redesign of its magazine, website, and iOS app and rolled out a new digital subscription service. In my latest piece for Digital Content Next, I interviewed Adrienne LaFrance, executive editor of The Atlantic, to learn more about the revamping. Check it out here.

November 17, 2019

Live every day like you're on a vacation by owning a second home and renting it out

Here’s a fun thought: Why not own your own vacation property and make some money on it, too? This is possible if you purchase a vacation home in a good location and rent it out. Research shows that renting out a vacation home can help pay for most of the mortgage on it.

But to get cheap financing and potentially turn a profit on your getaway house, you’ll have to shop around carefully for the best vacation home mortgage rates.

In my latest article for The Mortgage Reports (available here), I explore the top markets for buying a vacation home, why second homes are becoming more popular, how to purchase an inexpensive one, and more.

November 11, 2019

That was then, this is noir

For Cineversary podcast episode #17, host Erik Martin welcomes guest Eddie Muller, host of Turner Classic Movies' Noir Alley, founder and president of the Film Noir Foundation, and author of several books including Dark City: The Lost World of Film Noir. Erik and Eddie commemorate the 75th anniversary of one of the all-time great noir films "Double Indemnity," and investigate why this masterwork is worth celebrating all these years later, its cultural impact and legacy, what we can learn from the picture today, how it has stood the test of time, and more.

Eddie Muller
To listen to this episode, click the "play button" on the embedded streaming player below. Or, you can stream, download or subscribe to the Cineversary podcast using Google PodcastsGoogle Play MusicApple PodcastsiTunesAnchorBreakerCastboxOvercastPocket CastsPodBeanRadioPublicSpotifyStitcher, and TuneIn.

Learn more about the Cineversary podcast at tinyurl.com/cineversarypodcast and email show comments or suggestions to cineversegroup@gmail.com.

November 3, 2019

Closing time

The ABCs of business—“always be closing”—aren’t easy to master. Turning a prospect into a paying client involves hard work and a lot of attention. In fact, three out of four companies indicate that converting leads into customers is their top priority; yet only around one in five businesses are satisfied with their conversion rates.

Of course, there is no single magic tactic for landing clients and closing deals. But attempting different approaches can increase your chances. In a recent piece I wrote for the US Chamber of Commerce's CO site, I reached out to a handful of experts for advice, and they suggested three key strategies, found here.

October 27, 2019

Nearly 8 million homeowners could benefit from a mortgage refi


Does a refinance make sense for you? A new report suggests it could be the right move for millions. But to properly answer the question "should I refinance?", it's smart to do the math, assess your finances, and shop around for the best mortgage interest rates.

A recent report by Black Knight had some interesting findings. It calculated that, in July 2019, an average of nearly 8 million homeowners could have qualified for and benefited from a refi. (That's assuming a 30-day window from application to closing.) That's a 10% rise from the June number of homeowners who could have qualified and benefited.

Learn more by reading my newest story published by HSH.com, available here.

October 15, 2019

Believe it or not, Ripley's first film is 40 years old

For Cineversary podcast episode #16, host Erik Martin is joined by not one but two great guests: Mike Muncer, the UK-based film journalist, producer, and host of the Evolution of Horror podcast, as well as Andrea Subissati, the Toronto-based executive editor of Rue Morgue magazine and co-host of the long-running Faculty of Horror podcast. Together, they honor the 40th anniversary of "Alien" and examine why this horror/sci-fi classic is worth celebrating all these years later, its cultural impact and legacy, what we can learn from the picture today, how it has stood the test of time, and more.

To listen to this episode, click the "play button" on the embedded streaming player below. Or, you can stream, download or subscribe to the Cineversary podcast using Apple Podcasts, iTunes, Anchor, Breaker, Castbox, Google Podcasts, Google Play Music, Overcast, Pocket Casts, PodBean, RadioPublic, Spotify, Stitcher, and TuneIn.

Learn more about the Cineversary podcast at tinyurl.com/cineversarypodcast and email show comments or suggestions to cineversegroup@gmail.com.

October 13, 2019

Still on the fence about renting vs. owning? The former is getting more expensive

It’s an age-old question that gets asked time and again by folks on the fence: Is it better to buy a home or rent? The answer, of course, has always depended on personal circumstances and market conditions.

But lately, many experts say the verdict is becoming more evident. That’s because rent prices are through the roof in many metros. In fact, rent values have risen for nine straight months and are up year-over-year in 49 of the country’s top 50 markets, per the most recent Zillow Real Estate Market Report issued at the time of this writing. Looking closer, the median U.S. rent increased 3% on an annual basis to $1,483 a month. Compare that to about $1,372—the national average paid monthly for mortgage principal and interest plus taxes and insurance, according to an HSH.com report issued in May.

In my latest article for CTW Features, I explore this topic in greater detail. Check out its publication in the Kansas City Star here.

October 6, 2019

What's your biggest spending regret?

Life sometimes comes with regrets. Maybe it was not pursuing a desired career path. Or staying too long in a doomed relationship. But often, it's buyer's remorse that sticks out: the shame, frustration or distress felt after purchasing something you wish you hadn't. That begs the question: What's your biggest spending mistake?

New research suggests that many people rue the day they forked over major funds for big and small items alike. Learning which kinds of purchases lead more often to regret and what to consider carefully before investing in certain items can help prevent financial guilt. Check out my latest AmOne.com article on this topic, available here:

October 1, 2019

Brew coup

It has long been known that coffee is our country’s favorite beverage, with 63 percent of Americans consuming it daily, per National Coffee Association data. But despite the popularity of joe bought at fast food restaurants, eight in 10 still drink coffee prepared at home—courtesy of a coffee-making appliance.

But not all java machines are alike, and some make coffee better or more conveniently than others. Which begs two questions: Does your kitchen countertop lack a worthy contraption? And are you tired of throwing money away at the coffeehouse or donut shop? If the answer is yes, there are plenty of quality coffee makers on the market to choose from today.

For guidance, read my newest article (available here) for The Costco Connection on this topic, published in the October issue.

September 22, 2019

Is your business prepared to respond quickly after a cyberattack?

In today’s connected world, cyberattacks involving data breaches, malware, ransomware, and other types of hacking are occurring at a more alarming frequency. In fact, 43% of the victims of data breaches are small businesses, and the average cost of a cyber security incident at a small business is nearly $35,000.

While it’s crucial to have preventive measures in place, it’s equally important to know how to respond quickly and effectively after a cyberattack occurs. For help on this topic, I interviewed three industry experts, as featured in my latest article for CO—the U.S. Chamber of Commerce's new advice site for small businesses, available here.

September 15, 2019

Happy birthday, Mr. Smith: You're now an octogenarian

For my Cineversary podcast episode #15, I am joined by San Francisco State University film professor Joseph McBride, author of "Frankly: Unmasking Frank Capra" and "Frank Capra: The Catastrophe of Success." Together, we dive deep into Capra's "Mr. Smith Goes to Washington," marking an 80th birthday this fall, and explore why the movie is worth celebrating four decades later, its cultural impact and legacy, what we can learn from the picture today, how it has (and hasn't) stood the test of time, and more.

To listen to this episode, click the "play button" on the embedded streaming player below. Or, you can stream, download or subscribe to the Cineversary podcast using Apple Podcasts, iTunes, Anchor, Breaker, Castbox, Google Podcasts, Google Play Music, Overcast, Pocket Casts, PodBean, RadioPublic, Spotify, Stitcher, and TuneIn.

Learn more about the Cineversary podcast at tinyurl.com/cineversarypodcast and email show comments or suggestions to cineversegroup@gmail.com.

September 9, 2019

Halloween fun is right around the corner

In addition to writing articles for newspapers, magazines and websites across the country, I also do some fun PR campaigns for local clients. Case in point: A commercial Halloween attraction I promote called Midnight Terror Haunted House.

This year, Midnight Terror was voted a top 10 haunt by USA Today. I helped share the news in a press release just distributed. You can read about it here.

September 8, 2019

Why AI schools rule

Google, Amazon, Facebook and other big tech players in the industry continue to expand the boundaries of artificial intelligence and speech technology as well as reap the profits earned from related products and services. But while these private sector giants, and the scientists, researchers and innovators who work for them, continue to grab headlines and market share, arguably the most cutting-edge and important discoveries in the field are coming from the hallowed halls of academia.

That’s because many universities, colleges and other institutions of higher learning have ramped up their curricula related to AI, machine learning and speech technology in recent years and bolstered their programs and departments with impressive faculty and resources. The reason is simple: growing demand from students seeking to earn a degree in these tech fields and fill the strong demand for high-paying high-tech jobs. Armed with bright minds, smart tools and a determination to innovate, these educational establishments are pushing technology forward faster thanks to groundbreaking research, testing and inventions.

But while learning opportunities at schools have increased, so have the challenges—including recruitment and retention of skilled teachers, lack of funding, inability to meet enrollment demand, and keeping up with the pace of progress.

Learn more about this topic by reading my latest article for Speech Technology Magazine, available here.

September 1, 2019

In-demand industrial

The word “industrial” may conjure up cold and hard imagery—like cement, metal and machinery. But when talked about as a design esthetic, many experts get warm and fuzzy about the industrial look.

That’s because, when applied to a home, the industrial style doesn’t have to be bland, impersonal or off-putting like a factory floor might be. Instead, it can create an inviting and open space with an attractive modernity and simplicity.

Learn more about this design technique and how it can be effectively implemented in your home by reading my latest syndicated CTW Features story, available here.

August 25, 2019

Celebrate...with extreme prejudice

Cineversary podcast episode #14 is here. This time, I speak with Jason Henderson, host of the Castle of Horror podcast and author of the Young Captain Nemo book series. Together, we examine Francis Ford Coppola’s 1979 epic “Apocalypse Now,” which celebrates a 40th birthday this month, and discuss why the movie is worth celebrating four decades later, its cultural impact and legacy, what we can learn from the picture today, how it has (and hasn't) stood the test of time, and more.

To listen to this episode, click the "play button" on the embedded streaming player below. Or, you can stream, download or subscribe to the Cineversary podcast using Apple Podcasts, iTunes, Anchor, Breaker, Castbox, Google Podcasts, Google Play Music, Overcast, Pocket Casts, PodBean, RadioPublic, Spotify, Stitcher, and TuneIn.

Learn more about the Cineversary podcast at tinyurl.com/cineversarypodcast and email show comments or suggestions to cineversegroup@gmail.com.

August 18, 2019

How low can they go?

No one has a crystal ball that can accurately forecast where mortgage rates will land by the end of this year. Yet many real estate pros feel good about rates remaining low or even dropping further.

Last November, I asked 10 respected industry experts for their mortgage rates predictions for 2019. Interestingly, most agreed that 30-year fixed rates would average 5.5% and 15-year fixed rates would average between about 4.5 and 5.0% by mid-2019. Turns out that rates dropped a lot more than these and most other experts expected. As of this writing, the 30-year rate is just below 4.0%; the 15-year rate is around 3.30%.

Now, in an updated article for The Mortgage Reports, I've asked many of these same pros (and a few new ones) for their predictions on rates through the end of the year. Take a look at their projections for 30- and 15-year fixed-rates, which may help you make a more informed decision about getting a mortgage loan in the weeks and months ahead.

August 4, 2019

Tearing through the paper trail

Whether you're a student or running a business, consider how many pieces of paper you send to the recycle bin every week—from unopened junk mail, old bills and unneeded receipts to work-related reports, financial statements and spreadsheets. Now envision how easy it would be for a thief to sift through your garbage can or dumpster and come away with vulnerable personal information, valuable account numbers, and credit card offers they could complete in your name.

This is a big reason why close to 60 million Americans have suffered identity theft, per a 2018 Harris Poll survey, and why 14.4 million victims were tallied last year alone according to Javelin Strategy & Research. Those numbers would undoubtedly be diminished if we all consistently used a paper shredder to destroy these and other sensitive documents.

Learn how to choose the right shredder for your needs in my newest article freshly published in The Costco Connection magazine, available here.

July 29, 2019

Taking a stand with your brand

When it comes to making a strong impression on a prospective patron, your company’s image and brand mean a lot. Consider that presenting your brand consistently across all your chosen platforms can increase revenue up to 23%, on average. Problem is, 42% of consumers don’t trust brands.

Building a more robust brand takes hard work and a dedicated effort from your team. There are countless tactics you can try. For guidance, I consulted with a few pros, who suggested several proven approaches, each detailed in my latest article for the US Chamber of Commerce's new site, CO, found here.

July 22, 2019

The story of right hand-left hand--30 years later

For episode #13 of my Cineversary podcast, I welcome Monica White Ndounou, associate professor of theater at Dartmouth College, to discuss Spike Lee’s “Do the Right Thing,” which celebrates a 30th birthday this month. Monica and I examine why the movie is worth celebrating three decades later, its cultural impact and legacy, what we can learn from the picture today, how it has (and hasn't) stood the test of time, and more.

To listen to this episode, click the "play button" on the embedded streaming player below. Or, you can stream, download or subscribe to the Cineversary podcast using Apple Podcasts, iTunes, Anchor, Breaker, Castbox, Google Podcasts, Google Play Music, Overcast, Pocket Casts, PodBean, RadioPublic, Spotify, Stitcher, and TuneIn.

Learn more about the Cineversary podcast at tinyurl.com/cineversarypodcast and email show comments or suggestions to cineversegroup@gmail.com.

July 14, 2019

Set up a sinking fund for future fun

Ever get that sinking feeling that you wish you’d saved up extra dollars to pay for a wish list purchase, overdue vacation, birthday present, or other special expense? It’s never too late to avoid such regrets and salt away money for a fun or needed goal. You simply need to set up a sinking fund.

What is a sinking fund? It’s simply a fund you create in which money is strategically saved over time that will be used to pay for one or more large planned purchases or expected expenses in the future. It allows you to salt away dollars, often toward things that you want — not necessarily need or have an urgency to purchase right away — ideally without stress or remorse.

Learn more about how a sinking fund can help you save for future expenses by reading my first article for new client AmOne.com, available here.

July 7, 2019

Cords and cables begone

If you’ve got spaghetti-like clusters of cords congregating in the corners of your home and wires snaking out from nearly every visible AC outlet, it’s time to admit you have a problem. And unless you get control over this cable clutter, your home’s esthetic appeal—and safety—will be at risk, say the experts.

Indeed, cord clutter can present a tripping hazard, fire threat, and overall eyesore. But you can get detangled with the proper strategies, say the experts. Learn more by reading my newest CTW Features article on this topic, available here.

June 30, 2019

2 kids + 1 bedroom = Design challenges for parents

Maybe your young’uns are scared to sleep alone. Perhaps you have twins who prefer to do everything together. Or more likely you lack space and don’t have a choice.
Whatever the reason, splitting up one bedroom among two children isn’t easy. But you can curb territorial squabbles—and your stress level as a referee—with the right planning, especially when it comes to furnishings.


You can read my article on this topic, recently published in The Costco Connection magazine, here.

June 23, 2019

Born to be wild about podcasting

In episode #12 of the Cineversary podcast, I'm joined by Barna Donovan, professor of communications and media studies at Saint Peter's, the Jesuit College of New Jersey; together, we take a cosmic trip (minus the hallucinogenics) back to 1969 and celebrate the 50th anniversary of "Easy Rider." Barna and I examine why the movie is worth celebrating five decades later, its cultural impact and legacy, what we can learn from the picture today, how it has (and hasn't) stood the test of time, and more.

To listen to this episode, click the "play button" on the embedded streaming player below. Or, you can stream, download or subscribe to the Cineversary podcast using Apple Podcasts, iTunes, Anchor, Breaker, Castbox, Google Podcasts, Google Play Music, Overcast, Pocket Casts, PodBean, RadioPublic, Spotify, Stitcher, and TuneIn.

Learn more about the Cineversary podcast at tinyurl.com/cineversarypodcast, like us on Facebook at facebook.com/cineversarypodcast, and email show comments or suggestions to cineversegroup@gmail.com.

June 9, 2019

Loyalty builders

Businesses large and small can find it challenging to turn first-time clients into repeat patrons. But it’s well worth the effort, as merely a 5% rise in customer retention can generate more than a 25% growth in profit, and the success rate of selling to an existing customer is up to 70% versus as low as 5% for a new customer.

Want to keep your clientele happy and coming back for more? Prepare to shower them with more attention, encourage feedback, and provide incentives for their repeat business. These general approaches can be accomplished in a myriad of ways. But for more specific strategies that have proved successful, I interviewed three industry professionals on this topic for the US Chamber of Commerce's new CO site; you can read the full article here.

June 3, 2019

Robots in the newsroom

C-3PO as a nightly news anchor? Alexa winning the Pulitzer Prize? These silly scenarios sound like the stuff of science-fiction. But the truth is that automation is increasingly infiltrating the fourth estate and impacting how the press gathers and reports the news.

From transcribing to fact-checking and polling to tweet parsing, artificial intelligence has aided the newsroom for years. More recently, organizations small and large—including giants like The Washington Post, Forbes, AP and Reuters—are using AI and machine learning to actually compose content. And that’s got the industry and consumers sitting up and taking notice. Naturally, some journalists worry about being replaced by bots. But others embrace the technological advancements, seeing them as aids in the process of producing and distributing the news.

Intrigued? Read my newest piece for Digital Content Next, which includes interviews with major and minor news organizations and how they are increasingly adopting AI, available here.

May 27, 2019

How to pay for home improvements when you don’t have enough savings

Home renovation is hot. For proof, consider that 90 percent of homeowners expect to remodel their home at some point soon, up from 84 percent tallied in 2018, per a recent Trulia survey.

Problem is, despite your eagerness to improve, you may not have the moolah saved for such endeavors. In fact, only 27 percent of homeowners who plan to remodel in the next year have saved up to one quarter of the total home improvement cost, according to a new Discover Home Equity poll.

There’s no shame in having to finance some or all of your home upgrades. In fact, it can be the smart move nowadays—preventing you from depleting your personal savings, which you could need in a pinch, and allowing you to capitalize on continued low interest rates. Learn more about ways to fund home improvements by checking out my first article for new client HSH.com, available here.

May 21, 2019

A blow-by-blow analysis of "The 400 Blows"

For episode #11 of the Cineversary podcast, I take a trip to Paris (let's call it an audio journey) with Columbia University film studies professor Annette Insdorf, author of the book "Francois Truffaut" and former personal translator for the late director. She's the ideal guest to help celebrate the 60th anniversary of "The 400 Blows." In this installment, Annette and I explore why the movie is worth celebrating all these years later, its cultural impact and legacy, what we can learn from the picture today, how it has stood the test of time, and more.
To listen to this episode, click the "play button" on the embedded streaming player below. Or, you can stream, download or subscribe to the Cineversary podcast using Apple Podcasts, iTunes, Anchor, Breaker, Castbox, Google Podcasts, Google Play Music, Overcast, Pocket Casts, PodBean, RadioPublic, Spotify, Stitcher, and TuneIn.

Learn more about the Cineversary podcast at tinyurl.com/cineversarypodcast, like us on Facebook at facebook.com/cineversarypodcast, and email show comments or suggestions to cineversegroup@gmail.com.
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May 18, 2019

Got artificial intelligence smarts? You're in high hiring demand

Anyone who works in human resources for a company looking to hire will likely tell you that they face an overall talent shortage challenge today—regardless of the industry or sector they compete in. It’s simply a fact of life lately in a booming economy with an unemployment rate that remains near record lows. In fact, over four in 10 businesses are worried they won’t be able to find the talent they need, according to Indeed polling; and almost three in four employers are finding it hard to recruit relevant prospects, per TalentNow. Contributing to this quandary is the fact that the rate of labor force participation is dwindling; U.S. Census and Bureau of Labor data show that the percentage of eligible U.S. workers is expected to fall to approximately 61 percent by 2026 (down from about 67% in the late 1990s), partially due to lots of baby boomer retirements.

But candidates who possess artificial intelligence (AI) or machine learning (ML)-related aptitudes appear to particularly be in short supply. I delve deeper into this topic in my latest article for Speech Technology Magazine, which you can read in full here.

May 12, 2019

Come hell or high water

Hospitals, nursing homes and other health care organizations affected by record flooding in the Midwest in March are still bouncing back from the disruptive weather event that killed at least four people and displaced hundreds.

Most of the flooding occurred following a bomb cyclone that hit over 12 states with severe rain and/or snow as well as high winds; saturated or frozen grounds prevented the excess water from being absorbed, and fast-melting snow and ice contributed to the weather disaster.

In my latest article for Health Facilities Magazine online, I talked with several hospitals and health care facilities impacted by this flooding. Read the full story here.

April 28, 2019

Want to sell your home and buy another? Sellers may be more willing to work with you

A home sale contingency is a common inclusion in a real estate contract. With this provision accepted, the buyer can sell their existing home by a specified date. Then, the contract can proceed and the buyer can purchase the new home from the seller. This arrangement to sell your home and buy another makes things easier for a repeat buyer looking to move on to a second or subsequent home.

Problem is, no seller is crazy about a contingency that makes it easier to sell your home and buy another. In recent years, it was harder to get sellers to agree to this. That’s because it was more of a seller’s market and there was more competition for homes for sale. But new data show that sellers may be more willing to work with buyers who have a home to sell. That’s good news for buyers.

Learn more about this latest trend by reading my newest article published by The Mortgage Reports, available here.

April 21, 2019

My podcast gets pulpy

In episode #10 of the Cineversary podcast, host Erik Martin invites Filmspotting podcast co-host Adam Kempenaar to join him for a bowl of Fruit Brute cereal, a Big Kahuna burger, and a $5 milkshake from Jackrabbit Slims as they honor the 25th birthday of Quentin Tarantino's masterwork "Pulp Fiction." Erik and Adam explore why the movie is worth celebrating all these years later, its cultural impact and legacy, what we can learn from the picture today, how it has stood the test of time, and more.

To listen to this episode, click the "play button" on the embedded streaming player below. Or, you can stream, download or subscribe to the Cineversary podcast using Apple Podcasts, iTunes, Anchor, Breaker, Castbox, Google Podcasts, Google Play Music, Overcast, Pocket Casts, PodBean, RadioPublic, Spotify, Stitcher, and TuneIn.

Learn more about the Cineversary podcast at tinyurl.com/cineversarypodcast, like us on Facebook at facebook.com/cineversarypodcast, and email show comments or suggestions to cineversegroup@gmail.com.

April 7, 2019

Time's up for high tolerance

If the #TimesUp and #MeToo movement has taught us anything, it’s that undesired sexual advances and inappropriate sexual contact and comments are top of mind in the workplace today, and for good reason: Women and men alike are fed up with this behavior, and they’re less likely to tolerate it any longer.

But despite the outing of accused high profile business moguls like Harvey Weinstein and Les Moonves, sexual harassment remains a big problem in the work environment—for both big and small businesses.

For proof, ponder the latest data. A 2018 Stop Street Harassment report reveals that 38 percent of women and 13 percent of men suffer sexual harassment on the job. According to a 2018 Hiscox Workplace Harassment Study, 41 percent of female employees and over one-third of all workers say they’ve been harassed at work; 78 percent of those accused are men, and 73 percent hold a senior position to the accuser; and 45 percent of employees have observed a co-worker’s harassment in the workplace. Additionally, the Equal Employment Opportunity Commission (EEOC) reported that sexual harassment claims for the year ending Sept. 30, 2018, increased 12 percent over the prior year.

Being able to respond appropriately to an employee’s sexual harassment complaint, should one arise, requires a better grasp of what constitutes sexual harassment and effective implementation of policies, processes and training. I write about this topic in my latest article for The US Chamber of Commerce's new website, CO–, geared toward small business owners. Read the full story here.

April 1, 2019

Let there be (smart) light

For its first 140 years, the light bulb hasn’t given us much to get excited about—you turn it on and off with a switch and replace it when it burns out (likely prematurely). But today, if you crave more control as well as practical and creative options that can transform the way you illuminate your home, there’s an innovative alternative: the smart bulb. It uses LED and wireless technology that allows you to conveniently manage and program your lights using an app or voice assistant, set a desired mood, and reduce your electric bills.

For some bright ideas on how to choose and implement smart lights in your home or office, read my newest article for The Costco Connection magazine, available here.

March 24, 2019

7 home upgrade projects worth the money in 2019

With homes selling for top dollar in many markets lately, some sellers may question the decision to spiff up their abodes above and beyond “as is” condition. Truth is, however, that homes boasting the in-demand features and frills that buyers crave will likely sell sooner and net a bigger profit. And that’s why it pays to add popular upgrades to a home before listing it for sale, insist the experts.

In my newest article for CTW Features, I explore 7 home improvements that are worth the investment to prospective sellers, which you can read here.

March 17, 2019

Take the red pill and enter The Matrix, 20 years later

In episode #9 of my Cineversary podcast, I down the rabbit hole with philosophy professor and author William Irwin to explore "The Matrix," which celebrates a 20th birthday this month. We examine why the film is worth celebrating all these years later, its cultural impact and legacy, what we can learn from the picture today, how it has stood the test of time, and more.

To listen to this episode, click the "play button" on the embedded streaming player below. Or, you can stream, download or subscribe to the Cineversary podcast using Apple Podcasts, iTunes, Anchor, Breaker, Castbox, Google Podcasts, Google Play Music, Overcast, Pocket Casts, PodBean, RadioPublic, Spotify, Stitcher, and TuneIn.

Learn more about the Cineversary podcast at tinyurl.com/cineversarypodcast, like us on Facebook at facebook.com/cineversarypodcast, and email show comments or suggestions to cineversegroup@gmail.com.


March 11, 2019

Bottom dollar battles

Grocery, discount, drug, club, and convenience stores each have plenty of rivals. But among their most formidable foes in recent years has been the dollar store, which has made inroads into tobacco, immediate consumption, foodservice and lottery—sacrosanct categories for many of the aforementioned retailers.

Leading this charge is Dollar General (DG), which has the most locations, the strongest sales in the most recent quarter, and the most ambitious plans among major dollar chains. That should be a cause for pause among retailers, who need to take the DG threat seriously and consider effective strategies to nullify its infiltration into convenience turf, say the experts. Consider these facts:
  • DG plans to open 975 new stores, remodel 1,000 mature locations, and relocate 100 other stores in 2019.
  • It opened 750 stores, remodeled 925, and relocated 92 in the 39 weeks ending its Q3 2018.
  • Among the 925 remodeled sites, 359 were converted to Dollar General “traditional-plus” (DGTP) stores that each provide extra cooler doors to hold an expanded set of perishables. The chain now has 750 DGTP locations, including 450 stores that stock fresh produce. Each DGTP remodel delivers up to a 15 percent comp lift, versus a 4 to 5 percent comp lift for a conventional store remodel, on average.
  • DG has installed more than 20,000 cooler doors across its mature store base through Q3 2018.
  • The chain plans to open 10 more DGX convenience-focused stores in 2019, bringing the total nationwide to 13. DGX locations are roughly half the size of a typical DG store and feature a product selection geared toward “vertical living customers,” according to company CEO Todd Vasos in his Q3 earnings conference call in December.
  • The company launched a “Better-For-You” initiative in 2018, which calls for participating stores (2,700 to date) to carry healthier food options, including several products under the chain’s Good & Smart private label brand.
  • DG has enhanced its queue line, offering more impulse purchase products, in approximately 7,500 stores across the chain.
  • It recently broadened its nonconsumable offerings by dabbling in different new classes for the chain, including home, domestics, housewares, party, and occasions products, most priced at $5 or less.
  • DG also continues to operate approximately 100 Dollar General Market stores, roughly twice the size of a typical 7,300-square foot store to include extra offerings like meat and produce.

To learn more about why Dollar General dominates, read my latest article for CSP News, found here.

March 3, 2019

Being the boss of belonging

It’s no secret that businesses that value diversity, listen to their staff, and stress a fair and equitable work environment are in high demand among talent for hire today.  Problem is, many companies lack these essential qualities as well as leaders who practice them effectively. And that can significantly hamper an organization’s growth, innovation and performance.

The challenge, in a word, is inclusivity—or, more specifically, lack thereof. The Society for Human Resource Management defines inclusion as “the achievement of a work environment in which all individuals are treated fairly and respectfully, have equal access to opportunities and resources, and can contribute fully to the organization’s success.”

Learning to be a more inclusive leader can help drive your organization's success. Find out why and how by reading my first article (found here) for the U.S. Chamber of Commerce, published on its brand-new information portal for small businesses, called CO. I'm now a regular contributor to CO, writing articles of relevance to small companies and entrepreneurs--particularly human resources-related stories. You can view several of my other CO pieces here.

February 24, 2019

Do-it-yourself security

Per the National Council for Home Safety and Security, a burglary occurs once every 13 seconds, yet 87 percent of homes don’t have a security system—making them 300 percent more likely to be burglarized. Many residences lack security systems for a big reason: Traditionally, this hardware has been costly and difficult to self-install; plus, systems that offer professional monitoring often charge $30 or more per month.

But recently, several brands have rolled out do-it-yourself WiFi security products designed to protect you and your family, without the exorbitant expense and installation headaches. Examples include the Arlo Pro 2 WiFi HD Wire-Free Camera Security System Bundle, Ring Alarm Security Kit, and Nest Secure Alarm System.

I explore this topic in greater detail in my latest story for The Costco Connection, available here.

February 17, 2019

If you can't stand the heat, don't listen to this podcast

For episode #8 of his Cineversary podcast, host Erik Martin wishes a happy 60th birthday to "Some Like It Hot" and is joined by New York University arts professor Laurence Maslon, author of the book "Some Like It Hot: The Official 50th Anniversary Companion." They explore why the film is worth celebrating all these years later, its cultural impact and legacy, what we can learn from the picture today, how it has stood the test of time, and more.

To hear this episode, click the "play button" on the embedded streaming player below. Or, you can stream, download or subscribe to the Cineversary podcast using Apple PodcastsiTunesAnchorBreakerCastboxGoogle PodcastsGoogle Play MusicOvercastPocket CastsPodBeanRadioPublicSpotifyStitcher, and TuneIn.

Learn more about the Cineversary podcast at tinyurl.com/cineversarypodcast, like us on Facebook at facebook.com/cineversarypodcast, and email show comments or suggestions to cineversegroup@gmail.com.

February 10, 2019

The struggle to swim in a crowded stream

Want to keep up with the latest plays in the streaming game? You practically need a scorecard and the guidance of a fast-talking play-by-play announcer. For proof, consider just some of the latest streaming service bombshells to hit the news in the past few weeks:
All of these moves speak, of course, to a larger and evolving trend: Anybody and everybody in the media business seems to be getting in on the OTT act and taking their product direct to the consumer via an AVOD or SVOD (subscription-supported video on demand) model. And that’s creating an increasingly crowded field of competitors.

Learn more by reading my newest article published at Digital Content Next, available here.

February 2, 2019

Weathering the storm

Mother Nature delivered a devastating trio of catastrophes in 2017 in the form of three record-breaking hurricanes that have made people rethink their approach to disaster readiness. First, Harvey punished Texans with 51 inches of rain and $75 billion in damages. Then, Irma became the strongest Atlantic basin hurricane ever logged outside the Gulf of Mexico and the Caribbean Sea. Finally, Maria wrecked hundreds of homes in Puerto Rico and left much of the island without power, food and water for months.

In the months since, people all over the world have been asking themselves: What would I do if disaster struck? How prepared am I to protect my family and possessions?

Brian Williams, a homeowner in Houston, believes proper planning well in advance of an emergency event can make all the difference.

“I had plenty of supplies, including bottled water and non-perishable foods for my family, extra candles and batteries, and a full tank of gas in my car. But I should have prepared myself sooner than I did,” says Williams, who suffered water damage from a leaky roof in his townhome and had to junk his flooded automobile.

“This storm taught me a lot,” Williams adds. “Stores will sell out, so you have to get your supplies early. You need to clear roof drains prior to a storm to ensure good drainage. You have to move cars to higher ground. You need to remember supplies for your pets. And a backup power source for your cell phone is a must.”

Costco store general manager Kristina Hill was relieved that—despite widespread area flooding—her store near Houston was able to quickly restock household staples that nervous area shoppers bought in droves prior to Harvey. In hindsight, she wishes she had personally followed their lead.

“During Harvey, I realized I was not really ready with enough food to be stuck in my home for three days,” Hill says. “I think everyone believes something like this won’t happen to them. But with so many disasters occurring in the world, we can never be too prepared.”

Jeffrey Rodriguez Prunet feels fortunate that his family is safe and his home near Arecibo in Puerto Rico only incurred minor damage from Maria. Many of his neighbor’s houses were destroyed.

“We had bought water and canned foods and had a first aid kit, flashlights and other basic items,” says Prunet, who still lacks electricity. “And we prepared our home as best we could by boarding up the windows and removing outdoor items that could have become projectiles.”

Maria, however, “was honestly much more destructive than we expected.” Next time, Prunet adds, “were going to make sure we have more food and water and stock up on tools that can help cut up downed trees and clear up the streets.”

To read my new article on this topic, published in the February 2019 issue of Costco Connection magazine, and learn how you can prepare your home and family for a myriad of disasters, click here.

January 20, 2019

Everybody's talkin' at me...including the Cineversary podcast

For episode #7 of the Cineversary podcast, host Erik Martin takes a walk on the wild side to New York City in the late 1960s, a town where street hustlers and sex workers find both refuge and rejection--as evidenced in the film "Midnight Cowboy," which celebrates a 50th anniversary in 2019. Erik interviews Niles Schwartz, a movie reviewer for Slant Magazine and co-founder of the Minneapolis/St. Paul Cinephile Society. Together, they examine why "Midnight Cowboy" is worth celebrating all these years later, its cultural impact and legacy, what we can learn from the picture today, how it has stood the test of time, and more.

To hear this episode, click the "play button" on the embedded streaming player below. Or, you can stream, download or subscribe to the Cineversary podcast using Apple Podcasts, iTunes, Anchor, Breaker, Castbox, Google Podcasts, Google Play Music, Overcast, Pocket Casts, PodBean, RadioPublic, Spotify, Stitcher, and TuneIn.

Learn more about the Cineversary podcast at tinyurl.com/cineversarypodcast, like us on Facebook at facebook.com/cineversarypodcast, and email show comments or suggestions to cineversegroup@gmail.com.