OC Realtist President's Message

Hear the latest messages from your OCAREB President!
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  • Monday, January 19, 2015 7:53 AM | Anonymous

    Message From the OC Realtist President

    Welcome Realtist to 2015.  May God bless you to have a prosperous year and provide you all that you need to achieve your goals this year.  God has blessed many of us to see 2015 and I am grateful He kept me and my family safe, healthy and prosperous in 2014.  The Frazier Family gives him all the credit.  I am also thankful to have celebrated 33 years of marriage.  I am truly blessed and I hope to have a wonderful and prosperous 2015. 

    I am also grateful for the people God placed in my life as a result of my participation in the real estate and lending business and most significantly NAREB and the Orange County Chapter.  Being the President of our chapter since its inception has not been easy, but I would do it all over again if asked.  I am the founding President of the Orange County Chapter and I am proud to be the President again this year.  Hopefully, this will be my last year.  I am looking forward to passing the reins off to someone interested in stepping up and leading us in 2016.

    As we begin a new year as a Chapter, I want to pay a special tribute to Henry Currie III, our NAREB Regional Vice President for Region 15, who passed away last year.  Henry was my friend.  He was a highly intelligent man, a great organizer, leader, and a sharp dresser.  He had a charismatic personality and a smile that was contagious.  You couldn’t help but be positive around Henry Currie. He was my confidant and advisor during the most difficult times in running the chapter.  He was also my mentor and a recognized leader in NAREB.  Henry played a major role in establishing the NAREB Orange County Chapter.  He was committed to NAREB’s mission and vision from the very beginning of his involvement with the organization.  He was also instrumental in establishing many chapters in California and he was recognized by the State and National Associations for his commitment and hard work.    The Orange County Chapter would not exist if it were not for Henry Currie’s assistance and leadership.  May God bless Henry Currie III and his wonderful wife and family. 

    Realtist, we have been blessed to see another year.  So what are we going to do with it?  Please review the OC Realtist Business Plan for 2015 and get all the details.  It is available on the website home page under Event Presentations.   Please attend our General meetings which are available online and by teleconference.  You do not have to leave your office or home to attend an OC Realtist Meeting.  Check the website for the latest dates and times. 

    One of the most important events and traditions we have as a Realtist Chapter is our Prayer Breakfast.  The Prayer Breakfast has been going on since our inception as a chapter on August 4, 2010.  We begin every year with a Prayer Breakfast asking for God’s help and we end the year thanking him for His help and provisions all year long.  Our local chapter, state chapter and National Organization membership consist mostly of Christians and we are unashamedly unapologetic about our Christian Faith.  We are not a church, but we recognize God and begin all of our meetings in prayer.  We are a community organization which focuses on homeownership and we respect and honor all religions and faiths and we embrace all ethnicities and races.

    Please join us on January 23rd from 10:30 AM to 1:30 PM for our annual Prayer Breakfast to kick off the new year at the Celebrity Soul Food Cafe in Lake Forest, CA.    Please come and participate in this great event and help us bring in the new year right.  Our theme for the Prayer Breakfast is the same every year:  Purpose, Passion, Peace and Prosperity. The details are on the website at www.ocrealtist.org.   Please register today and start your New Year off right.

    We would also like to extend an invitation to you to join us on February 25th from 11:00 AM to 1:00 PM for our Black History Luncheon at the Celebrity Soul Food Cafe in Lake Forest and on March 19th from 6:00 PM to 8:00 PM for a Networking Mixer. Nancy West, HUD Outreach Coordinator, will provide a HUD update and Ray Warda, BLB Outreach Director, will provide information on Selling HUD Homes.  The location has not been determined, but time and date have been confirmed.

    In addition, we are scheduling financial literacy seminars and first time home buyer seminars at churches and community centers in Orange County.  As soon as the dates are set we will let you know.  

    Below are some important events happening nationally.  Please plan to attend.

    NAREB Mid-Winter Conference
    Grand Hyatt, Tampa Bay, Florida
    February 19 - 21, 2015

    Realtist Week
    All Day, All Chapters nationwide
    April 12 - 18, 2015

    National Conference

    OMNI Houston Hotel, Houston, TX
    August 17 - 21, 2015


    2015 Housing Policy & Hispanic Lending Conference
    Fairmont Hotel, Washington, DC Georgetown

    March 30 - April 1, 2015

    2015 NAHREP National Convention & Latin Music Festival
    Chicago Hilton, Chicago, IL
    September 20 - 22, 2015

    Annual Global Luxury Summit
    Chicago, IL
    April 19 - 21, 2015

    Hong Kong & Macau Trade Mission
    March 9 -15, 2015

    National Policy Conference
    Washington, DC
    May 11 - 13, 2015

    2015 National Conference

    San Francisco, CA

    October 22 - 24, 2015

    (NAR)  www.realtor.org
    REALTORS® Legislative Meetings & Trade Expo
    Washington, DC
    May 11 - 16, 2015

    Leadership Summit
    Chicago, IL
    August 10 - 11, 2015

    REALTORS® Conference & Expo
    San Diego, CA
    November 13 – 16, 2015

    (CAR) www.car.org
    CALIFORNIA REALTOR® EXPO – Premier trade show for California's real estate industry San Jose, CA
    October 6 - 8, 2015

    (Inman News) www.inman.com 
    Real Estate Connect
    New York, NY
    January 27 - 30, 2015

    (Five Star) http://www.thefivestar.com/#/home
    2015 Five Star Conference and Expo
    Dallas, TX
    September 16 - 18, 2015

    Make sure to mark your calendars for these events and visit the respective websites to register as soon as possible to save money on registration and hotel cost.  
    Finally, please renew your OC Realtist Chapter membership. The opportunities to grow your business by joining us are increasing steadily each year. If you are not a member please visit our website at www.ocareb.org/joinnow and join us today.

    May God bless you and I hope to see you at the Prayer Breakfast.


    Eric Lawrence Frazier MBA 
    President and CEO

    The OC Realtist 
    Corporate Headquarters
    3739 6th Street
    Riverside, CA 92501
    O  800-790-0941x 703   |  
    714-361-2105  |  C 714-475-8629
    Skype: 714-845-7263  | Skype ID: frazier.eric

  • Tuesday, June 03, 2014 2:25 PM | Anonymous
    Senator Tim Johnson and Mike Crapo first introduced the bill in hopes of changing the way Americans buy their homes. The bill proposes to wind down government-sponsored enterprises Freddie Mac and Frannie Mae and replace them with a new government agency known as the Federal Mortgage Insurance Corporation (FMIC).  The FMIC will act as a new federal regulator of the mortgage industry to be able to monitor the safety of several financial institutions. The new agency will also administer a special refund to cover losses on mortgage-backed securities.

    To read the rest click on the link to my blog below.
  • Sunday, June 01, 2014 11:24 AM | Anonymous
    Dear OC Realtist,

    When the first African-American President was elected into Office, many thought that the change that they had long hoped for would be felt not long after.  But in 2009, the Great Financial Crisis left the U.S. in shock with the collapse of large financial institutions, the bursting of the housing bubble and declines in overall consumer wealth. The crisis also played a significant role in the housing market which suffered a huge blow. Less than five years after the financial crisis, many are still crawling out of their losses. Unfortunately, not all groups are recovering the same way as others.

    To read the rest click on the link to my blog below.

  • Saturday, May 31, 2014 12:52 PM | Anonymous
    Dear OC Realtist,

    In my previous blog, I wrote about how diversity should be encouraged in real estate, banks and mortgage companies since African Americans and Hispanics make up 13.8% and 17% of the population, respectively. I also wrote about the benefits of hiring a diverse workforce and the importance of supporting minority communities. In this blog I will address how companies can start changing their business strategies to accommodate these emerging markets.  The solution is not new it just not happening at the rate it should be given the staggering business opportunities in these emerging markets.

    To read the rest click on the link to my blog below.
  • Tuesday, May 27, 2014 8:53 PM | Anonymous
    During the week of May 12th, America celebrates National Small Business Week.  The purpose is to bring awareness to the services that the SBA offers to entrepreneurs and to encourage consumers to patronize small businesses.   I am an entrepreneur and I have a two small businesses and a job.   Please let me know if I can serve you.   How about you?  Are you a small business owner?  If so, thank you being one.    It is the small businesses and entrepreneurs that are putting America back to work.  Chair Janet L. Yellen of the Federal Reserve System recently attended the National Small Business Week Event in Washington D.C. and had the chance to meet some outstanding entrepreneurs who are the trend setters for everyone.   After the financial crisis and the Great Recession, the Federal Reserve became entrepreneurial and took extraordinary steps to help stabilize the financial system once again.  The Fed also made a lot of money on their investment because of the risk they were willing to take to prevent an economic collapse.  I am not sure if many Americans realize that the Great Financial Crisis could have been the end of our financial system as we know it if the Fed had not acted swiftly and courageously.  Chairman Bernanke does not get the credit he deserves.   The Fed used monetary policy tools to promote the recovery and to stimulate job creation toward maximum employment and price stability.  Supporting asset values and lowering borrowing costs created the right environment for job creation that lead to a stronger recovery.   This was a great move and we are all beneficiaries of the wisdom of Chairman Bernanke and the board of Governors.

    Starting small yet strong

    Crucial to the process of our economic recovery from the financial crisis is job creation in the private sector.   85% of non-farm employment is found in the private sector, a large source of new jobs comes from the private sector. The private sector has accounted for the increase in employment making small businesses crucial to job creation. While corporate America has been downsizing, the rate of small, start-up businesses have grown.   

    More than half of jobs created have been generated by firms with fewer than 250 employees since employment began growing in 2010. I know plenty of real estate agents who have decided to join the bandwagon and create their own team of agents and strike out to start their own firm.   Starting your own business is easier said than done, let alone the struggle to keep afloat within the first three years of operations.  But there is nothing more satisfying than being your own boss, calling your own shots, and providing jobs to people who need it the most.   But you have to pay to play the role of CEO.   It takes financial capital, human resources, a great business plan, a vision and most importantly an entrepreneurial spirit.   Do you have one? 

    The entrepreneurial DNA

    The Entrepreneurial Spirit is in a result of our national Entrepreneurial DNA. Today, opportunities abound and are available to more people who may not have had them in the past. In the previous year alone, more than 200,000 businesses were opened by women while minorities in general are opening businesses at an incredibly fast rate.  Aside from the government supporting small business through access to funding, business chambers are providing entrepreneurial development and advocacy. Consumers can also do their part in helping the economy by patronizing small businesses that continue to prove that they are the backbone of the economy.   There are so many great products and services out there in our own neighborhoods that it is time we start planning to support small business especially in our communities.  Also we need to start patronizing firms who manufacture products here in the USA.  America will be stronger if we invest in her.    

    The future of small of businesses

    Small businesses deserve a considerable share of the credit for the investment and hiring that have brought progress to the American economy.  Millions of small businesses have collectively given enormous contributions to the nation’s prosperity which is why the Federal Reserve pledges to continue to promote the recovery to help Americans grow and prosper.   The Federal Government needs to continue to cut taxes for small business and simplify the tax code.  The Obama administration has cut taxes 18 times for small businesses (a little fact that many people do not know about) and needs to do more since Small Business is such an important part of our economy.

    National Small Business Week is a time to showcase America’s small businesses.    Furthermore, I know we can do more to increase the number of small businesses in the United States.  I am enthusiastic in our country’s ability to create a culture of risk-takers; especially in the real estate industry.  If you are a real estate broker and you have the money and know-how, it's time to step out on your own and join the ranks of us who only eat what we slay.   I am a risk taker.  Are you?  If you are thinking of starting a small business and are not sure how to go about doing it, please contact me or comment in the section below.  I would glad to be of help in any way I can.   Check out the Power Is Now Power Coaching for Large and Small businesses.   







  • Tuesday, May 27, 2014 8:11 PM | Anonymous
    Dear OC Realtist,

    Any group that represents more than 10% of the population deserves your immediate attention if you are in business.  How do you serve this community should be the question, because there is business opportunity there.  African Americans account for 13.8% of the Unites States population, while Hispanics comprise 17% of the U.S. population.  In real numbers, we are talking about 43 million African Americans and 53 million Hispanics living in the U.S.  By 2015, the purchasing power of African Americans will be at $1.1 Trillion and $1.3 Trillion for Hispanics.

    To read the rest click on the link to my blog below.
  • Sunday, April 20, 2014 11:09 AM | Anonymous
    Why does April 15th always come upon us like a thief in the night?  Without fail you can find me every year finishing my taxes or my extension at the 11th hour.   My CPA is practically begging me to get him what he needs until  he gives up out of absolute frustration and files the extension on my behalf.   Is there anyone out there that can relate to this?   I am an expert tax procrastinator and it is largely because I am a terrible book keeper.   I am adding "Stop procrastinating" and hire a bookkeeper" to my 2015 New year's resolutions.   I know several ways to deal with the IRS and even more ways to beat them – legally of course.  (See my previous blog for tax deductions that you may not know about when buying a home. )   But after all these  years of paying taxes and dealing  with the IRS,  I have not found a way around paying the penalties for filing late.  If you have a strategy other than filing on time please let me know.   But for now everyone should know  that paying your taxes late means paying  penalties and fines.

    Two penalties apply for filing late and owing taxes. One is a failure-to-file penalty while the other is a failure-to-pay penalty. Penalties for the former are usually more expensive than the latter, maybe around 10 times more. Failing to file your taxes would mean a penalty of 5% of the unpaid taxes for each month. So if you cannot pay what you owe by the due date, you still need to file your tax return and pay what you can. Get a loan, pay by credit card or work out a payment plan with the IRS. Filing your tax return more than 60 days after the due date can be $135 or 100% of the unpaid tax, whichever is smaller.

    Aside from penalties for failing to file, the IRS will slap you with interest rates for not paying as well. Generally, it is 0.5% per month of your unpaid taxes which start on the day after taxes are due. Those who forget to file and forget to pay will have a maximum penalty amount of 5% for that month. This will apply each month or part of a month your taxes remain unpaid. By law, late payments cannot exceed 25% of the unpaid taxes. So you can imagine the extra money the government makes from people who file late and pay late.

    However, the IRS may not be as heartless as they seem since you can request for an extension of time to file and pay for your income tax return. As long as you can show reasonable cause for not filing and paying on time, you may not be hit with as much penalties as you should. Do yourself a favor and handle your taxes better by filing on time and paying on time so you are not forced to hand over more money to the government.  Money hard is come by these days.  It makes no sense to give Uncle Sam more than he is entitled to in penalties and fines.   If you didn't file on time this year well there is always next year to start a new tradition.  You can do it.  The Power Is Now.
  • Monday, January 20, 2014 5:10 PM | Anonymous
    Dear VIP agents,

    Today we celebrated the incredible legacy and sacrifice of Dr. Martin Luther King, Jr.  I am very thankful that our government recognizes Dr. King’s contributions to our country.  This recognition did not happen without a struggle.  Believe it or not there are many who do not believe that Dr. Martin Luther King should have a national holiday.   Jesus said that “there will always be the poor among us.”  He should have added the ignorant also.  It is only ignorance of the man, his contributions to the world and the results of what he has achieved, that anyone would believe a national day of recognition has not been earn and paid for in blood by him. This is not just a celebration for a black man but an American who is of African Descent who fought for the rights of all people of color and the conscience of this country that was built on great principles and even greater promises.   Dr. King made America keep its promise.   

    To read the rest click on the link to my blog below.  Thanks

  • Sunday, January 19, 2014 9:20 AM | Anonymous
    Dear OC Realtist,

    I hope that you are off to a blessed start in January and that your plans are well underway and new goals are being achieved.  As a chapter we just completed our first Prayer Breakfast of the year.  If you didn’t make it you really missed a great event.  There was great food, dynamic singing, wonder fellowship and a dynamic message from Pastor Mark Whitlock of Christ Our Redeemer Church.  We even received a certificate of recognition from Mayor of Irvine Steven Choi, Ph.D. for the Prayer Breakfast.  I want to thanks Wells Fargo for continuing to be great partner and sponsor of all of our events.  The Prayer Breakfast is great way to start the year.

    Here is what’s going on in real estate so far this month:

    Housingwire.com has reported that 1,222 cases of borrower compensation are under review. The Office of the Inspector General for FHFA is investigating possible violations of California law with regards to borrower contributions made on Fannie-related short sales. The GSE and FHFA are trying to counter this claim stating that the concerns are likely caused by incorrect data obtained by the OIG.

    Zillow and AOL Real Estate have announced a partnership and Zillow will now be responsible for the home shopping experience of visitors to the AOL website. This announcement was made via a Zillow press release. The company has also announced that MLSs, brokers and agents will be able to list homes for rent or for sale free of charge.

    According to the Mortgage Bankers Association’s (MBA) weekly mortgage applications survey for the week ending Jan. 10, 2014, mortgage applications are up by 11.9%. This is a 61% week over week increase for the Index which may indicate the beginning of a positive trend for the new year. Congress also announced a spending bill this week designed to avoid another government shutdown. As a part of this bill, the Department of Housing and Urban Development will see its spending budget decreased to $32.8 billion in allocated funding, which is a $687 million reduction from its 2013 spending budget.

    Here is a quick summary of the Real Estate Association events that will be taking place very soon:
    • OCrealtist.org – HUD Training with BLB Resources BE Extraordinary Selling and Marketing HUD Homes Extraordinary February 6, 10:00 to 1:00 PM,  2014
    • Nareb.com - NAREB Midwinter Conference is coming up on February 17-21, 2014 in Las Vegas.
    • NAHREP.org - NAHREP will be hosting their Housing Policy & Hispanic Lending Conference on February 3-5, 2014 in Washington, DC.
    • AREAA.org – AREAA will be soon be hosting their 3rd annual Global Summit in New York City, NY on April 12, 2014.
    • Fivestar.com - The 2014 Five Star Conference will take place at the September 14 to 16, 2014 in Dallas.
    Make sure to mark your calendars for these events and visit the respective websites to register as spaces will go quickly. I also invite you to become a member of the OC Realtist Chapter. The opportunities to grow your business by joining are enormous and are increasing steadily each year. If you would like to register, please visit http://www.ocareb.org/joinnow

    I hope that you will be able to find the time to take advantage of some of these wonderful educational opportunities. Let’s stay in touch.  Call or email me if I can be of any assistance.
  • Friday, January 10, 2014 4:54 PM | Anonymous
    Dear Board of Directors,

    Thank you for your input in our Business Planning session and your  participation in the OC Realtist.  Attached is the power point presentation and financial forecast for 2014.   Please review it in detail and  call me if you have any questions. 2014 will be a great year for the OC Realtist.  We must work together and honor the great legacy of this organization by growing our membership and making an impact on the community.  May God bless us all as we strive to do our very best.


    Eric Lawrence Frazier, MBA
    President and CEO

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