• Uncle Jack is a leader, Role Model, and Great Man.
• A Culinary Journey at 608 Dahlia in Sherman Library & Gardens
• Confessions of a Republican
BLOGS
• What is Politics?
• Why Fair Housing Still Matters?
• Eric Lawrence Frazier MBA - Principal advisor
• America For Sale Part 1
• America For Sale Part 2
• America For Sale Part 3
• Fear Of Loss Part 1
• Fear Of Loss Part 2
FINANCE
• Emotional Intelligence in the C-Suite
• Debt Management Strategies
• Everything in America Is About Race
• Should I lease or Buy a Car?
EDITOR’S NOTE
By Eric Lawrence Frazier, MBA
Faith. Family.
Finance.
The Three Pillars of a Life Well Lived
Welcome to the very first edition of Faith, Family, Finance magazine. It’s an honor to present this labor of love, a publication born in the spirit of spring a time when the world feels fresh again, when flowers bloom unapologetically, and everything seems to lean forward in eager anticipation of the summer sun. There is no better month to give life to this vision than April.
April has always held a special place in my heart, and not just because it’s the season of renewal. April 25 is my birthday, and perhaps it was always written in the stars that this month would mark not only the beginning of my life but the beginning of something much larger, something that I hope will be meaningful and valuable to many this magazine.
You see, April has been a blessed month for my family. My mother was born on April 9. My father on April 28 My older daughter April 28 My brother on April 22 Three of the people who shaped me the most came into the world during this month of transformation and light. And though my wife my best friend and the love of my life was born outside of April, on June 15, I must forgive her parents for not timing things better! If it weren’t for her, none of this would be possible. She’s my muse, my counselor, and the steady force that fuels my dreams. Ruby, this magazine is as much yours as it is mine
Now, speaking of April, let’s take a moment to recognize a few other incredible individuals born in this radiant month The list is both impressive and inspiring Consider this: Leonardo da Vinci, born April 15, who redefined creativity and genius in the Renaissance. Maya Angelou, born April 4, who gave voice to millions through her poetry, her pain, and her power Booker T Washington, born April 5, whose resilience and intellect made him one of the most influential African American educators and leaders in U.S. history. Then there’s Shirley Temple (April 23), the child star who brought joy to the world during the Great Depression, and Ella Fitzgerald (April 25 same as me!), the First Lady of Song, whose voice could melt the hardest hearts.
There’s something about April it births dreamers, leaders, and artists. Visionaries and warriors of hope It births change-makers And in this same spirit, Faith, Family, Finance is my humble attempt to make a mark, to create something meaningful, something that lives beyond me.
So why this magazine? Why now?
Because in my role as an advisor whether in finance, real estate, business, or life I’ve found that people don’t live in silos. You can’t separate someone’s financial life from their family. You can’t talk about legacy without talking about faith. And you can’t truly build generational wealth if you don’t first build a strong foundation at home and a clear understanding of who you are and what you believe.
This magazine is a reflection of that truth It’s a collage of life as we really live it not in neatly divided columns, but in overlapping spheres of influence. We cover finance, yes. But we also dig deep into the meaning of faith, the power of relationships, the importance of civic awareness, and the tools needed to make sound decisions that honor your values.
If life is a three-legged stool, then I propose this: faith, family, and finance are those legs. Remove just one, and the entire foundation is shaky. A person may have immense wealth, but without faith and family, that wealth is hollow Another may have deep faith and love, but without financial literacy, stability, or opportunity, they are left vulnerable to the winds of life.
And let me take this metaphor a step further faith is the rudder. It steers the ship. Family is the hull, the body that holds everything together, giving shape and safety to our journey Finance? That’s the engine It’s what powers you through the storms and also through the calm. It determines how far you can go, how fast you can get there, and whether you can stay afloat during turbulent times.
I’ve seen too many people fail because one leg of their stool was weak. I’ve seen brilliant minds and beautiful souls struggle because they had faith but no financial understanding I’ve watched families crumble under the weight of debt, poor planning, or simple misinformation. And I’ve seen how wealth can widen the gap when it’s not anchored in values and shared purpose
That’s why Faith, Family, Finance exists. To be a resource. A place for thought leadership, practical guidance, inspiration, and community Every article, every word in this magazine has been carefully crafted to speak to the whole person not just the investor, not just the parent, not just the believer but the integrated human being navigating this complex, beautiful life
In this inaugural issue, you’ll find my own thoughts throughout yes, I wrote every article. This is personal for me I want you to know my voice, to trust that what you’re reading isn’t just theory or fluff. It’s experience. It’s wisdom born from both failure and success. It’s truth told with love and boldness.
We’ll explore how to steward your money wisely, how to prioritize your time and relationships, how to lead your family with vision, how to grow spiritually in a world full of noise, and how to build legacy not just financially, but holistically
This is not just a magazine. It’s a movement. A mindset. A ministry of sorts.
So, I invite you to take this journey with me. Read with intention. Reflect with honesty. Share it with someone you care about Let it be a catalyst for meaningful conversations and intentional living And as you flip through these pages whether in your favorite chair at home or between meetings on a busy day remember that this is just the beginning.
Like the first bloom of spring, this magazine is new, fresh, and full of potential. But it will grow. And with your feedback, support, and shared stories, it will blossom into something that continues to bear fruit season after season
Thank you for welcoming Faith, Family, Finance into your life. And thank you for being part of its birth in the beautiful month of April
May your faith remain strong, your family stay close, and your finances flourish.
With gratitude and purpose,
Eric Lawrence Frazier, MBA
Your trusted advisor in business and wealth
Why Work With Me?
WHY WORK WITH ME?
By Eric Lawrence Frazier, MBA
Your Trusted Real Estate & Mortgage Expert
For over 43 years, I have been at the forefront of real estate and mortgage lending, helping hundreds of homeowners, investors, and sellers confidently navigate the market and maximize their financial potential as a mortgage banker and broker. As the Co-Founder of Frazier Group Realty and a Real Estate Agent and Broker, I bring a proven track record of success in buying, selling, and financing properties—all while saving my clients time, money, and stress.
✅ Expertise in Real Estate & Mortgage Lending – I streamline the buying and selling by securing optimal financing solutions and negotiating top dollar deals.
✅ Hundreds of Successful Transactions—I’ve assisted first-time buyers, experienced investors, and luxury sellers build wealth through real estate.
✅ Marketing & Negotiation Powerhouse—My innovative marketing strategies with Power Is Now Media (www.thepowerisnow.com) and my strong negotiation skills empower my clients to secure the best possible outcomes, whether they are selling for maximum profit or purchasing below market prices.
✅ Data-Driven & Market-Savvy – I utilize advanced market analytics, social media, and digital marketing to attract motivated buyers and sell properties more quickly at higher prices.
✅ Time-Tested Reputation My decades of experience, deep industry connections, and unwavering commitment to client success make me a trusted real estate advisor.
Maximize Your Real Estate Success Today
Whether you're a homeowner eager to sell quickly at the highest price, an investor prepared to expand your portfolio, or a buyer seeking the best deal, I possess the expertise, resources, and proven strategies to make it happen.
�� Let’s Talk! Call me today to discuss your real estate goals and how I can help you achieve financial success through real estate.
Faith
Faith, Mental Health, and Wellness: The Spiritual Benefits of Prayer and Reflection
In today’s fast-paced and often stressful world, maintaining mental well-being can be a challenge. As individuals seek holistic ways to manage their mental health, many are rediscovering the profound connection between faith practices and wellness. This article explores the spiritual benefits of prayer, meditation, and reflection, shedding light on their positive impact on mental health and overall well-being.
The Role of Faith in Mental Health
Faith and spirituality have long been intertwined with personal well-being. Numerous studies have shown that individuals who actively engage in faith practices often experience lower levels of stress and anxiety. The simple act of prayer or meditation can bring comfort, providing a sense of connection to something greater than oneself
Prayer: A Pathway to Peace
Prayer is not just a religious obligation but a powerful tool for mental health. It serves as a way to express thoughts, worries, gratitude, and hopes, fostering a sense of peace and purpose. Whether practiced individually or in a group setting, prayer can reduce feelings of loneliness and foster a sense of community and support.
Meditation: Mindfulness Rooted in Faith
Meditation, especially when rooted in spiritual practice, encourages mindfulness and self-awareness. Reflective prayer or meditative worship helps individuals focus on the present, reducing mental clutter and promoting clarity This practice can lower blood pressure, reduce symptoms of depression, and encourage positive thinking.
Worship and Community Support
Participating in worship services offers a dual benefit: spiritual enrichment and community support. Being part of a faith community fosters a sense of belonging, reducing feelings of isolation. Sharing burdens and joys within a supportive environment can positively impact mental health
Reflection: Nurturing the Inner Self
Reflection, whether through journaling, prayerful contemplation, or spiritual retreats, allows individuals to process emotions and life experiences. This intentional pause cultivates resilience, gratitude, and a deeper understanding of personal growth.
Integrating Faith Practices into Daily Life
To harness the mental health benefits of faith, individuals can create simple, consistent routines. Setting aside time for daily prayer, meditative scripture reading, or community worship can transform stress into spiritual growth. Incorporating these practices mindfully can enhance emotional resilience and well-being.
Conclusion
Incorporating faith practices like prayer, meditation, and reflection into one’s life can significantly benefit mental health and wellness. As more individuals seek holistic ways to nurture their minds and souls, the timeless practices of faith offer both solace and strength. By embracing these practices, one can find peace, purpose, and profound spiritual well-being.
Let’s be real You’ve probably found a few homes you like online, even if we haven’t chatted about them yet.
But here’s the thing: You can’t control when the right home shows up – but you can be ready for it
Truthfully, if you’re just browsing, you should still get pre-approved.
Even if you’re not ready to buy right now, that’s okay. Let’s just have a conversation to make sure youre set up for success when the right one comes along
What’s one of the smartest things you can do even before youre ready to buy? Get pre-approved.
While it may sound like something you can wait and do until after you’re serious, waiting too long is a mistake
Doing this essential step early on gives you clarity on what you can borrow, your realistic price range, and what your future monthly payment could be. When you know your numbers – and you’ve been cleared financially by a lender – you can act quickly when the right home hits the market
Even if you’re just thinking about looking or casually starting a search, DM me and let’s chat. This way, you’re not falling in love with homes that are outside of your price range – or missing out on ones that aren’t
Jamie Foxx
Open Letter to Jamie Foxx: Reflections on Faith, Suffering, and Purpose
�� Did you see the Netflix special "What Had Happened was?” It was emotional and captivating, and Jamie Foxx's performance was fantastic However, in sharing his story, Jamie made a statement that unintentionally offended many people. In this open letter, I want to offer my perspective on what Jamie said about his brain bleed and stroke.
Please check out The Eric Frazier Show, where we discuss Faith, Family, and Finances. I’m Eric L. Frazier, MBA, and today I want to address something important that Jamie Foxx shared with the world. His vulnerability is admirable, but there's a deeper truth we need to understand about suffering and God's purpose in our lives. ����
Jamie, My Brother...
Jamie, my brother, I need to say this: God did not choose you to have a brain bleed and stroke to slow you down. God did not punish you for your actions by giving you this traumatic experience. You’re not unique in this suffering. It happens to thousands of people every year. Your story is deeply personal, but it doesn’t mean God singled you out for any special reason.
In your special, you said, “I am Jamie MF Foxx. Stuff like this is not supposed to happen to me.” But did you know that every year, nearly 795,000 people in the U.S. suffer a stroke? That’s not unique. ��
A brain hemorrhage, or intracranial hemorrhage, is when a blood vessel in the brain ruptures. This accounts for about 13% of all strokes. It can happen to anyone, anytime. It doesn't mean God is punishing someone or trying to wake them up. God doesn’t need to test us in that way. His love for us is constant and never wavers.
Understanding Suffering & God's Intentions
Many people misinterpret the story of Job, believing God uses suffering to test faith. But that’s not true. God doesn’t inflict harm on us to see how we’ll respond. Jesus Christ already took on the burden for our sins. ����
God’s desire is not to test us through suffering, but to love us and help us grow in faith. He is always present, showing us mercy and offering healing, not punishment.
Jamie, You're Not Alone
Suffering happens to everyone, and it’s important not to blame God for it. God is good, and everything He does is good.
God isn’t using Satan or any other forces to test our resolve. He wants us to love Him and trust in His plan for our lives. Suffering is a part of living in a broken world, but God provides us with strength to endure.
A Wake-Up Call: What Can Jamie Foxx Do Now?
Jamie, you have an incredible influence and platform. You can use your voice to help others who are struggling and suffering. I recommend that you form a 501(c)(3) church, continue sharing your story, and provide real support for those who need it the most: the homeless, the sick, the hungry, and those suffering from addiction and mental illness. ��
You are the church, Jamie. The church isn’t just a building. It’s the community of believers you are part of that community And it’s time to lead with purpose and use your influence to change lives for the better. ��
Call to Action: Let's Make a Difference
Jamie, if you're reading this, I would love to help you create this movement Together, we can bring healing, hope, and change to millions of people who need it. Let’s make a real impact in the world, one step at a time.
Do you think the housing market is about to crash? The experts (and the data) say otherwise
Home prices are still rising at the national level, just not as fast as they were in recent years. And that’s not a sign of a crash. It’s a sign of more balance.
As more homes hit the market, buyers have more options, and that slows down how quickly prices rise It’s not falling prices It’s a healthier pace of home price growth. How does knowing prices are still rising, but more slowly, affect the way you’re thinking about your next move?
So far, the average individual tax refund this year is $3,170. Of course, your number may be different
But, if you’re getting a refund this year, you could use it to help with some of the upfront costs of buying a home, like your down payment or closing costs.
Because every dollar gets you one step closer to your goal – and your refund could give your homebuying savings an extra boost What would having your own home mean for you or your family this year?
Family
Navigating Family Conflicts: Communication Strategies That Work
Family conflicts are a natural part of life. No matter how harmonious a family might be, disagreements and misunderstandings are inevitable However, the way we navigate these conflicts can make a significant difference in maintaining strong, healthy relationships. Here are some effective communication strategies to help resolve family conflicts with compassion and respect.
1. Practice Active Listening
One of the most powerful tools in conflict resolution is active listening. This means fully concentrating on what the other person is saying without interrupting or formulating a response while they are speaking. Reflect back what you’ve heard by saying, "I hear that you’re feeling..." or "It sounds like you’re saying..." This shows that you value their perspective and are willing to understand their point of view.
2. Stay Calm and Collected
It’s easy to let emotions take over during a conflict, but maintaining a calm demeanor helps keep the conversation productive Take deep breaths, pause when needed, and avoid raising your voice. Demonstrating emotional control sets a positive tone and helps de-escalate tension.
3. Use "I" Statements
Instead of blaming or accusing, express your feelings using "I" statements. For example, say, "I feel hurt when..." rather than, "You always..." This approach reduces defensiveness and promotes a more open, honest conversation.
4. Focus on Solutions, Not Blame
Once everyone has shared their feelings, shift the focus toward finding solutions. Collaboratively brainstorm ways to address the issue rather than dwelling on who is at fault. This approach fosters teamwork and strengthens family bonds.
5. Acknowledge Emotions
Sometimes, just acknowledging emotions can defuse a conflict. Saying, "I understand that you’re feeling frustrated" validates the other person’s experience. Validation doesn’t mean you agree, but it shows that you care about how they feel
6. Take Breaks When Needed
If the conversation becomes too heated, it’s okay to take a break. Stepping away for a few moments can help everyone regain composure Agree to resume the discussion after a short break to ensure emotions don’t overwhelm the dialogue.
7. Seek Support When Necessary
Sometimes, conflicts may be too challenging to resolve on your own In these cases, seeking the guidance of a family counselor or mediator can provide an unbiased perspective and effective strategies for reconciliation.
Conclusion
Conflict doesn’t have to tear families apart. By practicing active listening, staying calm, using respectful language, and focusing on solutions, families can navigate disagreements in a healthy and constructive way. With commitment and empathy, communication can become a bridge to deeper understanding and stronger relationships
It's peak homebuying season, and that could mean more competition for you
If you’re ready for a home you’ll love, don’t just hope for the best. Work with an agent who can help you make a strong, smart offer that stands out. They know simple strategies to boost your chances based on what’s working for other buyers in your area
What’s one thing you’d want to know before making an offer on a home?
While you may be tempted to skip the home inspection to try to make your offer stand out this spring, just know that’s a gamble that may not pay off Even though a home might seem move-in ready, an inspection could uncover underlying problems you didn’t see in your walk-through. And information is power.
It helps you avoid unpleasant surprises Plus, if any issues are found, your agent can help you negotiate with the seller on the repairs
What questions do you have about what to expect from an inspection?
Uncle Jack is a leader, Role Model, and Great Man.
“Let
Me Tell You About Uncle Jack"
By Eric Lawrence Frazier, MBA
My wife is the niece of Jack Costa, who was married for 30 years to her beloved Aunt Dorothy Costa. I loved Uncle Jack. I love Aunt Dorothy. ❤ What a beautiful couple they were and what a powerful example of enduring love, strength, and commitment they still are to all of us. ��
Aunt Dorothy wasn’t just Jack’s wife she was his rock, his best friend, and his fiercest protector ���� She walked with him through joy and pain, through good days and hard ones She cared for him tenderly until the very end, and even now, she stands tall as the heart and soul of our family. ����
When Uncle Jack passed on New Year’s Day 2025, our entire family flew up to Oakland for the memorial service. ���� It was held at Chapel of the Chimes, and let me tell you it was packed. Not a dry eye in the place. �� Not because we were mourning without hope but because we were overwhelmed by the depth and beauty of a life so well lived, and a love so richly shared. ��❤
So let me tell you about Uncle Jack—and the extraordinary woman who stood by his side. ����
“A Vapor, Then a Legacy: The Life and Love of Uncle Jack Costa”
“What is your life? It is even a vapor, that appeareth for a little time, and then vanisheth away.”
James 4:14 (KJV) ��
On January 1, 2025, while the world was counting down a new year, Jack Costa quietly completed his journey on earth having lived 103 years and 24 days ���� His life was not only long in years but deep in meaning, rich in struggle, and triumphant in love. ���� He was the kind of man who didn’t just pass through time he shaped it. ��⏳
Born into Adversity, Raised for Greatness
�� December 8, 1921 Alameda County, California
Jack was born into a world where the odds were never in his favor Alameda wasn’t just majority white it was openly hostile to Black residents. The Ku Klux Klan had 85 members locally and even held a convention in the area. ⚠ Life for a Black family wasn’t just difficult it was dangerous ��⛓
Jack came from first-generation Black immigrant roots. He spoke Portuguese and Creole, a West African dialect of Portuguese languages that connected him to a proud and resilient heritage. �� �� He was raised on a small farm, where he and his family raised chickens, goats, and rabbits, trading for the things they couldn’t grow or afford. ��������
There was no safety net. There was no luxury. There was only faith, family, and hard work.
Life in the 1920s: Economics and Survival ����
To understand how remarkable Jack’s journey was, consider the world he was born into:
• �� Average cost of a house in 1921: $6,296
• �� A new Ford Model T: $350
• �� Loaf of bread: 12 cents
• �� Gallon of milk: 55 cents
• �� Average yearly wage: ~$1,200 (and far less for Black Americans)
There was no federal minimum wage it wouldn’t come until 1938 Racial discrimination meant Black workers were paid even less and often barred from good-paying jobs altogether. ��⚖
But Jack without privilege, without formal wealth found a way. ����
He worked right after high school, never expecting a handout, only asking for a chance. And when war called, he answered. ��
A Soldier in a Segregated Army ��
Three years after graduating, Jack joined the U S Army as a Military Police officer It was 1942, and the world was at war but so was America, with its own conscience. ��⚔
Jack wore the uniform, but still couldn’t eat in the same cafés as white soldiers ❌ Worse still, German POWs were treated better than he was allowed to dine in places where Jack was denied because of the color of his skin. ��
He saw the ugly underbelly of racism, not just at home but within the military itself. Yet he didn’t let bitterness consume him. �� He came back in 1945, honorably discharged, with dignity intact and purpose still burning. ��
From MP to Dockworker: Building a Future in the Face of Barriers ⚓
Back in the Bay Area, Jack began working on the Oakland docks. ⚒ It was hard, physical work but it was honest, and it paid well compared to many jobs available to Black men ��
Retirement should feel like freedom, with more time for travel, hobbies, and spoiling your grandkids. But with the cost of living up 23% in just the last five years, you also need to make sure your savings will support the lifestyle you’re dreaming about
If your current home feels too big, too expensive, or not quite right for what’s next, downsizing or relocating could help you stretch your dollar further and create space for what really matters.
What would make this next chapter feel like your best one yet? Let’s talk about how a move could help make it happen.
No matter what you may be hearing or seeing online, the fact that new construction has ramped up lately isn’t cause for alarm Here’s why Nationally, builders aren’t overbuilding – they're just catching up.
Coming out of the housing crash, builders pulled production way back, and that led to a long period of underbuilding You can see that in this data So, even though we’re building more homes right now than we have in the last few years, there’s still a significant gap to make up after not building enough homes for over a decade.
But like anything else in housing, this varies by area Some places will have more newly built homes, and others will have fewer Want to know what’s happening in our local market?
Yet Jack didn’t just survive he thrived. He bought a home. He built a family. �� He navigated the impossible economy of the times by living beneath his means, working tirelessly, and building slowly like a craftsman shaping a masterpiece one nail at a time. ����
Love, Loyalty, and the Quiet Strength of Dorothy Costa ����
Behind every great man is a greater woman and for Jack, that was Dorothy Costa. His wife, his friend, his partner of 30 years. ��
She stood by his side not for show, not for praise, but for love �� Through every illness, every ache, every test of time, she remained. When his body weakened, her strength increased. When his memory faded, her devotion did not. ��
Dorothy showed us all that real love is commitment
Not the kind captured in selfies or hashtags but the kind that says “I’m still here,” day after day, year after year, until the very end. ��
She is the shining example of what marriage should look like �� In her, Jack found his peace And through her, we all witnessed the sacred beauty of vows kept. ��
A Legacy Measured in More Than Years ⏳��
Jack Costa lived:
• �� 103 years
• �� 1,236 months
• �� 5,372 weeks
• �� 37,606 days
• ⏰ 902,544 hours
• �� 54,152,640 minutes
• �� 3,249,158,400 seconds
That’s over three billion chances to give, to build, to speak truth, to leave footprints. ������
And that’s what he did. Without fanfare. Without a following. But with faith, fortitude, and family. ����❤
Final Reflection: The Role Model Who Never Asked for Praise ��
“We’re all role models. Good or bad. Somebody’s always watching.”
– Uncle Jack Costa ��
Jack never tried to impress he simply expressed who he was.
A man A worker A father A husband A soldier A believer A builder ����
In a world that often told him “no,” he carved out his own “yes.” ✔
He showed us that greatness isn’t about the spotlight it’s about consistency. That success isn’t about ease—it’s about endurance. ��⛅
Uncle Jack Costa was a vapor, yes. But he left a cloud of legacy so rich, so textured, so enduring—it will never vanish. ☁��
Brunch in Bloom: A Culinary Journey at 608 Dahlia in Sherman Library & Gardens
There are few places where nature and cuisine blend so seamlessly that the experience becomes more than just a meal it transforms into a moment of pure indulgence ✨ 608 Dahlia, nestled within the lush �� Sherman Library & Gardens in Newport Beach, California ��, is precisely such a place.
This past Sunday, my family and I gathered for brunch �� to visit with my daughter Erica, son-in-law Bo, granddaughter Ava, and my newest grandchild, Kobi �� Daniel, Bo’s father, had just arrived from Texas for a two-week visit to meet his new grandson. It was a perfect day low 70s ��, blue skies, and the salty ocean breeze �� whispering through the gardens We hung out and truly enjoyed the atmosphere and the day.
�� A Hidden Gem in the Heart of Newport Beach ��
Located just off Pacific Coast Highway, 608 Dahlia sits inside the Sherman Library & Gardens, a 2.2-acre horticultural oasis filled with exotic plants ��, tranquil koi ponds ��, and stunning floral arrangements �� It s a hidden paradise amid the coastal charm of Newport Beach. You step off Pacific Coast Highway and into a sanctuary of beauty, peace, and gourmet excellence It’s almost shocking that a place like this could be right off the main highway yet offer over two acres of breathtaking plant life and flowers. ��✨
�� A Brunch Worthy of a Masterpiece ��
With a world-renowned chef , 608 Dahlia’s menu is a curated selection of organic, locally sourced ingredients, handcrafted into culinary masterpieces Every dish is a work of art �� , from sustainably raised meats �� and fresh seafood �� to vibrant salads �� bursting with color and flavor.
I knew that deciding what to eat would be a tough decision ��, but as the last person to order, I finally made my choice I went with the Cultivar Salad �� and let me tell you, it did not disappoint Erica and Bo chose the Dahlia Salad, while Daniel opted for the Salmon Lunch, a beautifully plated dish featuring fresh, perfectly cooked salmon �� Ruby, my wife, selected the Soup & Sammy �� , a divine combination of lobster bisque �� and smoked salmon on toast layered with arugula, honey, and a symphony of fresh herbs and seasonings
The food and the presentation were amazing. ��
House hunting just got a little easier.
You have more homes to choose from – and that’s a big change after years of really low inventory. And the best part? The number of homes that have just been put on the market is picking up, giving you additional fresh options and a better chance of finding a home that fits your needs. Whether you’re buying your first home or thinking about a move, now’s a great time to kick off your search
What features or neighborhoods are at the top of your wish list right now?
Overpricing your house could cost you more than you think. Data shows the longer a house sits, the less it sells for And here’s why If a house is priced at or just below market value, it typically sells quickly But if a house is priced too high, it lingers.
As time wears on, it's more likely you’ll have to accept a lower offer, or you’ll need to make a price cut to draw buyers back in And that’s not the experience you want Want to make sure your home sells quickly and for the best price?
Let’s talk. With an agent’s expertise on your side, it’s easy to price it right.
Then there was Ava, my one-and-a-half-year-old granddaughter, perhaps the most memorable part of the day. Full of energy and curiosity, she greeted everyone in the restaurant her favorite word, "Hi!" �� was on repeat She has no fear of strangers, which is adorable �� and slightly concerning We are going to have to watch that!
We ordered the kids' chicken tenders �� for her meal, expecting a small portion appropriate for a toddler What arrived was anything but a kids' meal Instead, the kitchen delivered three massive, golden-brown chicken tenders, each big enough to feed an adult. One bite, and we were hooked! �� We shamelessly stole one, cut it up, and shared it among the adults Thank God Ava didn’t notice and there was so much chicken that she wouldn't have missed it even if she had! ��
�� Pro Tip: If you visit 608 Dahlia, order the kids chicken tenders as an appetizer. I’m not joking it’s one of the best things on the menu ��
�� The Salads That Stole the Show ��
While many restaurants focus on their main entrées, 608 Dahlia elevates the art of salad-making to a level I’ve never seen before Each salad is a vibrant, flavor-packed masterpiece with fresh produce, nuts, cheeses, and perfectly balanced dressings. The presentation is breathtaking �� , with every ingredient meticulously arranged to create a plate that looks like a painting and tastes like perfection. ��✨
It was the first time I’ve ever been to a restaurant where the salads were truly the stars of the menu and that says a lot
�� A Stroll Through Paradise ��
After brunch, we wandered through the Sherman Gardens, taking in the lush greenery, the rare plant collections, and the serene koi ponds The atmosphere was nothing short of magical Walking along the stone pathways, surrounded by towering palms, vibrant orchids, and the gentle sounds of trickling fountains, we felt transported to another world ��✨
⭐ The Verdict? An Absolute Must-Visit! ��
If you’re looking for a brunch experience that transcends the ordinary, 608 Dahlia is your spot. The setting is breathtaking ��, the service is impeccable ��, and the food is truly unforgettable Whether you re a local or visiting Newport Beach, this hidden treasure is well worth your time.
We were so enamored with the experience that we booked our Mother’s Day brunch on the spot a table for 10! �� If you’re considering visiting, make reservations now because this place fills up fast and for a good reason.
�� Next time you’re in Newport Beach, detour into paradise and treat yourself to a brunch experience you won’t forget I’ll see you there! ����
�� The Power Is Now! ��
As the CEO of The Power Is Now Media, I always emphasize the importance of real estate, homeownership, and community Still, experiences like this remind us that lifestyle is just as important. Newport Beach is an incredible place to live and visit, and 608 Dahlia is a perfect example of the hidden gems that make Southern California so exceptional ����
If you’re considering buying or selling real estate in Newport Beach or anywhere in California, The Power Is Now is here to help. Visit our website, follow us on social media, and stay tuned for more insider recommendations on the best places to live, dine, and experience life ����
Confessions of a Republican
Introduction:
A Moment of Reflection
On Inauguration Day, January 20, 2025, I sat with my wife and youngest daughter and watched the inauguration of Donald J. Trump as the 47th president of the United States. ��As I absorbed the pomp and circumstance the speeches, the prayers, the military salutes, the music, and even how Carrie Underwood could still sing acapella when the music failed to start. ��✨ I was filled with pride to be an American and to be a witness, with the world, of America’s greatness on display. ���� America has its share of problems, but without a doubt, it is the greatest country on the planet, and a shining example of what democracy and what a peaceful transition of power should look like around the world. ��
Welcome to The Eric Frazier Show, where we discuss Faith, Family, and Finances �������� I’m Eric L. Frazier, MBA, and today I want to talk about the inauguration and presidency of Donald Trump.
At 62 years old, I no longer see the world as I did when I was 18. Thank God! ���� Wisdom comes with age, and I wish I understood that as a younger man; perhaps I would’ve listened more attentively to my parents and my elders. ���� Yet, it was at 18 that my political journey began one shaped by trial and error, moments of clarity, and at times missteps As I witness another peaceful transition of power in the United States, I am reminded of how blessed we are to live in a nation that not only empowers us to vote but also celebrates democracy’s values and that anybody can become president of the United States �� This blog is a reflection of my journey as an African American citizen, voter, and most importantly a Republican
My Political Journey: A Back-and-Forth Dance
When I graduated from high school at 18 like many young people I was not politically informed ���� I adopted the political party of my parents and became a Democrat. I think this is the journey for most children We adopt the politics of our parents, our community, and even our church not fully understanding why because being part of the family and community is far more important to us.
At that time in my life politics was just political theatre for me something adults debated while I simply rested on the wisdom of my parents ���� I didn’t care about it until I was married working a full-time job and struggling. ���� It was then that I began to realize the weight and importance of my choices at the ballot box
Are you feeling frustrated by the lack of options in your price range? Here’s some advice. Check out townhomes. Because they’re usually smaller, they can be more affordable, too And there are more hitting the market than we’ve seen in years That gives you more options, potentially in your price point
So, let’s chat if you want to see if this type of home would make sense for you and your lifestyle.
In the meantime, let me know: what matters most to you? Space, location, or price?
Life has a way of teaching us and maturing us quickly. My thinking matured rapidly because I married at the tender age of 19 and had my first child at 21. ���� Suddenly, I was responsible for a family and thrust into the reality of many economic challenges: housing, food, utilities, and all the expenses of life. ���� In these moments of responsibility, I became a student not only of economics but also of politics. ���� I quickly realized that my values and priorities aligned more closely with the Republican Party than the Democratic Party. And so, I abandoned the politics and party of my parents and began building my own political identity shaped by my experiences and responsibilities.
So this is my confession.
Like many Americans my political journey has not been linear. �� Shortly after casting my first vote I had a change of heart. By the time Ronald Reagan ran for president I had become a Republican captivated by his optimism and his vision for America. ✨ I cast my vote for Reagan twice believing in his ability to inspire and lead.
Then I veered back to the Democratic Party. Bill Clinton’s charisma charm and policies resonated with me in ways I didn’t fully understand at the time. ���� I bought into the cultural narrative of Clinton as “America’s first Black president” a label that was symbolic but misleading. As a Republican I crossed party lines and voted for him twice swept up in his ability to connect with voters like me. Looking back I can see that it was difficult to resist the pull of community family and culture even when you know their liberal leanings conflict with your conservative values. ⚖��♂ I still feel the pressure. Add to that my role as a minister in a predominantly Black church; the pressure to conform to liberal ideals was even greater. ⛪ �� It is a tug-of-war between my faith conservative values and liberal expectations from my community to accept everything everybody and be okay with everything. What is good is bad; what is wrong is right; what is the truth is now a lie. There is no absolute truth. Live and let live; there is no heaven or hell.
Returning to the Republican Fold
By the time George H.W. Bush ran for office I came to my senses. ����I remembered what I valued most fiscal responsibility strong national defense and preservation of law and order. In addition to God family and conservative values I voted for George H.W. Bush in 1988 and again for his son George W. Bush in 2000 and 2004 because I felt they aligned with my principles and growing understanding of what it means to be a Republican. But my political journey and compromise wasn’t over.
History Took Center Stage
When Barack Obama ran for president in 2008 I couldn’t help myself. ��♂he was a Republican yes but I was also a Black man. I didn’t vote for Barack Obama because of his politics; I voted for him because he is Black and his morality humanity. As a Black father husband and community leader he represented everything I aspired to be. From his humble beginnings to his Harvard education and his rise to presidency he was and still is an example of Black excellence in America. The fact that he lived in the White House for two terms a house built by Black slaves and was a leader free world is an achievement that can never be taken from my community and from him as a Black man.
Barack Obama a Black man one of if not the most powerful man on the planet at the time fills me with pride even as write it now. I am an unapologetic fan of former President Barack irrespective of his political persuasion. As a Black man I could not give my vote to anyone else. ��I do not regret voting for him twice because his achievement spoke a broader narrative of hope resilience and our (Black folks) progress in a country where so many had doubted our potential and put up every barrier possible to deny our access American dream.
In 2020 when Kamala Harris joined Joe Biden’s ticket I found myself drawn into a similar narrative. She was a Black woman of mixed race born Jamaican father and Indian mother raised in Oakland California in a Black community. For me she was not just a vice-presidential candidate; she was a symbol of history and progress.
I crossed party lines again voting for her because of what she represented not her policies but the significance of her rise in power. ✨ �� I am not sure if we will ever see another Black man or woman ascend presidency or vice presidency in a lifetime. Even now with reflection I can admit that I might still be tempted to vote Democrat again if the situation were ever to arise again. As a Black man I feel a profound connection struggles and victories of people and find it difficult to separate identity from political decisions. Kamala’s attempt to replace Joe Biden on the presidential ticket and subsequent loss was a noble effort.
I knew it would be difficult to challenge her given limited time and resources but felt she ran the best campaign she could with the resources she had and the preparation and time to get it done. ⏳ It simply was not her time. ��I don’t think all forces universe all celebrities Hollywood all money raised would have been enough given the final analysis outcome of this election. Choose not to criticize her campaign at all but simply say it clearly wasn’t her time and American people have spoken overwhelmingly this wasn’t her time or Joe Biden’s time as well.
I must confess: I am a Black man first before I am Republican or a member of any party. My track record history is voting proof.
Pride Regret & The Republican Platform
Today I look back at these decisions mixture of pride and regret. Pride because supported groundbreaking milestones in American history politics regret because straying from values defines who am Republican.
I can live in regret because the human experience as a Black man connected struggle would be difficult for anyone who is not African American to fully understand internal conflict.
In spite inconsistent voting record I am proud to be a Republican. Accept republican platform conservative principles align faith Bible read values hold dear. While cannot put trust in any man’s political system I put trust in God who raises leaders and ultimately holds authority over all.
The Republican Party stands for something much bigger personal election. Republicans believe in the rule of law sanctity of life freedom of speech freedom to bear arms law order limited government robust economic policies rooted in common sense. These values represent most political compass realize ignored some these values pursue cultural milestone African-Americans… It’s about the platform not about a person.
Donald Trump’s Victory & The 2024 Mandate
President Trump’s victory in 2024 is not merely a win; it is a clear mandate from the American people. He won both Electoral College popular votes flipping key swing states like Pennsylvania Michigan Wisconsin while holding onto Republican strongholds. His ability to unite working-class American suburban voters even some disillusioned Democratic-Republicans proved the message resonated beyond traditional party lines.
This victory reflects a shift in public opinion a rejection of divisive identity politics renewed focus policies prioritize American workers’ economic prosperity and national security. Trump’s perseverance against relentless criticism of legal battles demonstrated to many voters he wasn’t just a leader but a fighter for their interests.
Embracing Dr Martin Luther King Jr’s Dream
President Trump’s inaugural address struck a chord with me when acknowledged Dr. Martin Luther King Jr pledge to fulfill a dream nation where people are judged not color of their skin but content their character. Believe Dr Martin Luther King’s dream is being realized every day especially since America continues to evolve and embrace the blending of cultures and races. We all God’s creation descendants Adam and Eve united our humanity and shared purpose. ��❤
Recession talk is heating up – but what does that mean for housing? Here’s what historical data tells us.
If a recession happens, many people assume home prices will crash like they did in 2008 But history tells a different story
In 4 of the last 6 recessions, home prices actually went up. That means 2008 was the exception, not the rule. During recessions, prices usually follow whatever path they’re already on. And, right now, prices are still rising nationally.
How does knowing home prices haven’t typically dropped in past recessions change the way you think about buying or selling?
While we’re still below pre-pandemic inventory levels, the number of homes with a for-sale sign in the yard is going up by the day And breathe a little sigh of relief, because they’re taking a few days longer to sell, too.
Not only does that give you more choices when you move, it means you have more time to make thoughtful decisions while you’re at it And oh, by the way –there will be demand for your house when you move because buyers are heating up right now. Win. Win. So, if you pressed pause on your search last year because you couldn’t find the right fit, this could be your moment to start looking again.
What will it take to reignite your home search? Let me know, and we’ll make it a priority.
What Trump Has Overcome
Trump’s political journey is unlike any we’ve seen in American political history. He endured relentless criticism from media attacks impeachment trials lawsuits investigations. He stands alone convicted felon scandalous businessman with record failures no businessman would be proud of well record accomplishments in real estate achieved. Yet despite failures and continued rise latest victory President United States twice can never take him.
Here are just some Key Initiatives for Trump’s Second Term
In his inaugural address, President Trump outlined key initiatives including Declaring a national emergency southern border to halt illegal immigration.
Reclaiming Panama Canal to end unfair trade practices.
Establishing External Revenue Services to collect tariffs and duties from foreign nations.
Designating foreign criminal gangs and terrorist organizations strengthens law enforcement.
Declaring a national energy emergency reduces energy prices and promotes domestic production.
Overturning gender diversity mandates reaffirms traditional values.
Strengthening board security southern border of Mexico’s illegal immigration.
Releasing hostages bios bringing ear Israeli Hamas war.
Establishing tariffs on China Canada Mexico to enforce fair trade policies and immigration policies.
Establishing two categories of gender: male and female.
Reducing waste government programs staffing Everything being reviewed determines if necessary efficiency.
Trump faced:
Two Impeachments: impeached twice Democrat-controlled House acquitted both times. Media Bias: Studies show Trump’s media coverage is overwhelmingly negative compared to other presidents.
Legal Scrutiny: faced more legal challenges in the Mueller investigation state-level lawsuits than any modern president.
Social Media Bans: banned major platforms like Twitter limiting the ability to communicate directly with supporters.
Their attempt on life during the campaign. And serious attempt to defeat his worthy opponent Vice President Kamala Harris drew record attendance star power we have yet to see any political election since Barack Obama.
Despite obstacles, Trump’s return presidency marks victory resilience determination. Whether like him or not should inspire business professional leader player game politics. Like say, Hood doesn’t hate players hate games. He played the game well reason alone deserves respect.
A New Beginning for America
As watched the inauguration felt hopeful. �� Trump’s second term offers a chance and do mean chance to refocus America’s strengths our economic security unit. Nothing guaranteed. Our country needs economic policies tax cuts border security deregulation to continue moving forward. We need to invest in infrastructure build roads and highways strengthen defense begin cyber attacks and chemical welfare, and prepare for the next World War which could be Iran China North Korea Russia if can imagine all combined at one time. This country’s enemies are the democratic American way of life. We need a president who is going protect the American way of life and keep America first everything
My Pledge as a Republican
To fellow Republicans say it’s time to unite. We cannot afford to let internal divisions weaken resolve. We must remember our party’s platform is bigger any candidate represents a collective vision of America a vision rooted in freedom and opportunity strength.
My message to President Trump
To President Trump offer congratulations on your victory And campaign strategy fully executed evidence results. You shut down any controversy about your victory No one said anything You clear winner mandate that the American people.
I did not vote for you in 2020, but I did vote for you in 2016 because I believed in your vision to Make America Great Again.
In 2020 and 2024, I got caught up in media drama and relentless criticism. The polarizing narratives painted an incomplete picture of your presidency, and I bought into it.
It was not an easy decision.
I agree with your policies, especially those that prioritize economic growth, border security, and American sovereignty. Yet, I allowed outside influences to sway my decision.
Today, you have been inaugurated as President for a second term.
We are witnessing the resilience it took to persevere through unprecedented opposition.
You have earned the respect and support of the American people to lead the nation forward.
May your second term be a beacon of hope, a reminder of strong leadership, and a turning point for America’s future.
The challenges you have faced have prepared you for this moment.
So, lead us well.
Final Thoughts
America needs a leader who is both feared and respected.
A leader whose morality and flaws, faith and imperfections, inspire us to greatness.
That leader must embody the best of what America has to offer while standing firm against those who seek to undermine our country.
To my fellow Republicans:
✅ I have strayed from Republican principles in the past.
✅ But I am proud to be a Republican
And so, I say it again:
“Let’s Make America Great Again!” ��
Finance
Debt Management Strategies: Reducing Financial Stress in the Household
Debt can be a major source of stress for families, affecting relationships, financial security, and overall well-being However, with the right strategies, households can take control of their finances, reduce debt, and create a path toward financial freedom. This article outlines practical steps to manage and eliminate debt while maintaining a healthy financial outlook
1. Assess Your Debt Situation
Before creating a debt reduction plan, it’s important to understand your financial standing. Start by:
Listing all debts, including credit cards, loans, and medical bills
Noting interest rates, minimum payments, and due dates.
Identifying unnecessary expenses that can be redirected toward debt repayment
A clear overview helps prioritize which debts to tackle first.
2. Create a Realistic Budget
A well-structured budget ensures that every dollar is allocated effectively When budgeting:
A budget keeps spending in check and prevents further debt accumulation
3. Choose a Debt Repayment Strategy
There are two popular methods for paying off debt efficiently:
Debt Snowball Method (Best for Motivation)
Pay off the smallest debts first while making minimum payments on others.
Once a debt is cleared, roll that payment into the next smallest debt
This builds momentum and a sense of accomplishment.
Focus on paying off the highest-interest debt first
Make minimum payments on other debts.
Once the highest-interest debt is cleared, move to the next one
This method reduces the overall amount of interest paid over time.
4. Cut Unnecessary Expenses
Small changes in spending can free up money for debt payments Consider:
Canceling unused subscriptions and memberships
Cooking at home instead of eating out.
Buying generic brands instead of name brands
Using public transportation or carpooling to save on fuel costs.
Redirecting these savings toward debt accelerates the repayment process
5. Increase Your Income
If your budget is tight, finding ways to boost income can help pay off debt faster Options include
Taking on a part-time job or freelance work
Selling unused items online.
Negotiating a raise or seeking better-paying opportunities
More income means more money can be directed toward financial goals.
6. Avoid Accumulating More Debt
To prevent further financial stress:
Use cash or debit instead of credit cards
Establish an emergency fund to cover unexpected expenses.
Only take on new debt when absolutely necessary
Breaking the cycle of debt requires discipline and a shift in spending habits.
7. Consider Debt Consolidation
For households with multiple high-interest debts, consolidation may be an option This involves:
Taking out a lower-interest loan to pay off multiple debts
Transferring credit card balances to a 0% interest promotional offer.
Working with a reputable debt counseling service for a structured repayment plan
Debt consolidation can simplify payments and reduce interest costs, but it’s important to choose reputable lenders
8. Seek Financial Guidance
If debt feels overwhelming, seeking help from a financial advisor, credit counselor, or faith-based financial coach can provide clarity and encouragement. They can offer personalized strategies for managing and eliminating debt
Final Thoughts
Managing debt effectively reduces financial stress and creates a stable foundation for your household’s future By assessing your financial situation, budgeting wisely, and using strategic repayment methods, you can break free from debt and enjoy greater peace of mind.
On average, homes are staying on the market about a week longer than they did at this time last year. And in real estate, those few extra days can be gamechanging. More time means more space to list your home, find your next one, and make smart decisions without the rush.
And yes, well-priced homes are still selling quickly The market’s cooling just enough to be the sweet spot you’ve been waiting for: less chaos, more control, and solid demand.
Want to know how many days it takes to sell a home in our market?
Emotional Intelligence in the C-Suite: A Tribute to Patty Arvielo and the Power of Authentic Leadership
Emotional Intelligence in the C-Suite: A Tribute to Patty Arvielo and the Power of Authentic Leadership ✨
What Patty Arvielo said about women who cry at work is both profound and necessary She challenged a deeply embedded workplace myth that crying is a sign of weakness and instead called it what it truly is: authenticity. Emotional intelligence. Fearlessness. ��
Let’s be honest. In far too many corporate environments, women who show emotion especially through tears—are labeled as unstable, dramatic, or weak. Meanwhile, men who express anger are often seen as strong, passionate, and decisive ��➡�� That contradiction is not just a cultural bias it’s gender discrimination. �� And it’s one of the many reasons why women are still underrepresented in leadership across nearly every industry. ����
What makes Patty’s message so powerful is not just what she said, but who she is. This isn’t coming from someone sitting on the sidelines. This is coming from a Latina CEO, a co-founder of one of the largest independent mortgage lenders in the country New American Funding (NAF). �� �� This is a woman who has climbed to the top of a competitive, male-dominated industry because of her emotional intelligence, not in spite of it ����
Patty isn’t just correcting a misconception about women’s emotions; she’s holding up a mirror to men especially those of us in leadership and telling us plainly: if you see a woman’s tears as weakness, you’re not only misinterpreting the moment, you’re exposing your own lack of emotional intelligence. ����
We are not robots. �� We are human beings. And part of being human is being moved by the pain, joy, disappointment, or struggle of others. That ability to feel and to act on those feelings that’s not weakness That’s leadership That’s authenticity at its best And it’s courageous. ��
Can you imagine a man in the C-suite of a Fortune 500 company publicly making a statement like this? He’d likely be dismissed, labeled soft or overly emotional maybe even accused of being “too liberal.” �� The double standard is clear. But Patty Arvielo can say it because she is that woman who cries, and because her tears never held her back In fact, they may be the very thing that propelled her forward. ����
Her tears reflect her truth. ���� And when you are living in your truth, you become someone people trust. �� People follow leaders who listen, but even more so, they follow leaders who feel leaders who take action not just from the head, but from the heart ❤��
Maybe that’s the secret sauce behind NAF’s success. �� This is a woman-led, Latino-owned organization rooted in values �� Committed to homeownership for people of color �� Committed to fairness, equity, and opportunity. ⚖ �� And not just talking the talk NAF is walking it. �� They’re one of the largest mortgage lenders in California, the largest mortgage market in the world Nationally, they rank 13th �� That’s no accident
Patty’s leadership is not just a lesson to men it’s advocacy for women. �� She’s giving voice to the unspoken She’s elevating what has often been dismissed And in doing so, she’s setting a new standard not just for how women lead, but for how all leaders should show up: with empathy, with courage, and with unshakable authenticity. ����
I am honored to know her. I am proud to have interviewed her on The Power Is Now. �� And I will continue to celebrate her work not just as a Latina business leader or a woman in finance but as a force of nature who is helping redefine what leadership should look like. ����
What NAF is doing through its outreach to African Americans and Latinos through programs like New American Dream and Latino Focus isn’t just business. It’s legacy work. �� �� It’s advocacy in action. And that advocacy starts at the top with a woman unafraid to feel, to cry, and to lead from the heart ❤��
That’s Patty Arvielo. That’s the future of leadership. And that’s the power of now. ⚡
�� Interested in learning more about authentic leadership, real estate, or how we uplift communities through homeownership and advocacy?
Reach out today because the power is now.
With more homes for sale, some sellers are coming around to the idea of concessions
From adjusting the price to helping with closing costs, throwing in a home warranty or appliances, even giving you credit so you can make repairs, sellers may be more willing to compromise But making sure you know how to ask and what to ask for is key That's why it’s important to have the right agent by your side.
Which concession would make the biggest difference for you? Let me know, and we’ll factor that into your home search
Spring is here, and so is the busiest season in real estate That means competition may be picking up If youre thinking about buying a home, here’s what you can do about it. Get pre-approved for your home loan before you even start house hunting. It helps you know your budget and will make your offer look stronger for sellers.
Reach out to a lender to make sure you’re ready when you find the one Waiting too long to get your pre-approval could mean the perfect home slips away.
What’s your plan to stand out in this competitive spring market?
Everything in America Is About Race – A Historical Perspective and Modern Reality
A recent response to my article on school vouchers �� challenged my perspective, stating that the real issue is management and restructuring in public schools, not race. The commenter suggested that if public schools lose students, they should downsize like a business ���� and that advocates for public education fail to adjust to reality He further implied that the problem is not about race and that we should stop making everything about race.
This response is not unique It reflects a profound misunderstanding of American history and the present-day systemic realities that continue to shape the educational �� , economic ��, , and political landscape �� for African Americans and other marginalized communities.
So, let’s set the record straight �� : everything in America has always been about race. The very structure of our schools �� , neighborhoods �� , economic opportunities �� , and democracy itself is built on race-based exclusions, racial hierarchy, and systemic racial inequities. The fact that someone can say “stop making everything about race” is itself a privilege �� a privilege built on ignoring the reality that race has always dictated access, power, and opportunity in America.
The Long History of Racial Exclusion in America
The argument that we should ignore race �� and focus on the professional management of schools assumes that race has never been a primary factor in structuring public education and opportunity in America. This is historically false. ❌.
For over 400 years, race has determined who gets to have rights, access, and opportunity in America. Here are just a few examples of what Black people could not do simply because of race: ��
1. We Could Not Be Free (1619-1865)
✔ The Transatlantic Slave Trade brought millions of Africans to America, stripping them of freedom, names, languages, and identities.
✔ Chattel slavery was written into American law, making Black people property, not human beings
✔ Dred Scott v. Sandford (1857) ruled that Black people “had no rights which the white man was bound to respect.”
2. We Could Not Vote (1870-1965)
✔ The 15th Amendment (1870) technically granted Black men the right to vote, but Jim Crow laws immediately suppressed it
✔ Poll taxes, literacy tests, and grandfather clauses were designed to block Black people from voting.
✔ The Voting Rights Act of 1965 was necessary to overturn racial voting barriers
3. We Could Not Own Land (1865-1968)
✔ Black Codes and Jim Crow laws prevented formerly enslaved people from buying land in most Southern states.
✔ Racially restrictive covenants prevented Black families from buying homes in white neighborhoods.
✔ The Federal Housing Administration (FHA) and Home Owners’ Loan Corporation (HOLC) engaged in redlining, refusing to insure mortgages in Black neighborhoods
✔ GI Bill benefits after WWII were denied mainly to Black veterans, keeping them from homeownership.
4. We Could Not Attend White Schools (1865-1970s)
✔ Plessy v. Ferguson (1896) established “separate but equal,” which legalized racial segregation in schools
✔ Brown v. Board of Education (1954) ruled school segregation unconstitutional, but states resisted desegregation for decades.
✔ White flight and school funding inequalities created new forms of segregation Black and brown schools receive less funding to this day.
5. We Could Not Get Fair Wages and Jobs (1619- Today)
✔ During slavery, Black labor built America’s economy for free yet after Emancipation, sharecropping, debt peonage, and convict leasing replaced slavery as forms of economic control.
✔ Unions excluded Black workers, keeping them from skilled jobs and economic mobility.
✔ The New Deal’s Social Security Act (1935) initially excluded domestic and agricultural workers jobs primarily held by Black people leaving them out of retirement benefits
6. We Could Not Access Equal Education, Housing, and Banking (1930s- Today)
✔ Banks engaged in redlining and denied mortgages to Black families, keeping them out of wealth-building opportunities.
✔ The War on Drugs and mass incarceration disproportionately targeted Black communities, breaking up families and disrupting economic stability
✔ Gentrification and displacement continue today, pushing Black families out of historically Black neighborhoods through predatory lending, increasing property taxes, and systemic economic inequalities
Why Schools Are Struggling in Black and Brown Communities
The claim that schools should restructure when students leave ignores the fact that Black and brown schools have consistently been underfunded BECAUSE of race. Schools in poor Black and Latino communities:
✔ Receive less funding per student than predominantly white schools.
✔ Have fewer experienced teachers and higher teacher turnover rates.
✔ Are more likely to be closed down when resources shrink, forcing students to travel farther for education
✔ Outdated textbooks, fewer AP courses, and limited college prep programs.
School Vouchers Worsen This Reality
When students leave public schools using vouchers:
✔ The remaining students suffer from budget cuts.
✔ Schools in Black neighborhoods close down or deteriorate.
✔ The cycle of disinvestment in Black communities continues. So no, this is NOT just about school management. It’s about centuries of racial inequity that have created the current crisis.
Addressing the Comment: The Reality of Racial Exclusion and Power in America
The person who responded to my blog says we should “stop acting like everything is about race.” But let’s be clear: America made everything about race from the moment it enslaved Africans in 1619 and continues to do so today.
Now, as Black people struggle to overcome centuries of oppression, the very people who benefitted from our exclusion want to act as if race is no longer an issue. They argue that: They are being discriminated against when efforts to correct racial injustices are introduced.
Black people talk about race too much, ignoring that Black people didn’t create the racial hierarchy we were born into it. Everything should be equal now, despite the fact that racial economic, educational, and political disparities remain systemic.
The Future: 2040 and Beyond
By 2040, people of color will be the majority in America, but majority numbers do not mean power. White America is afraid of losing its dominance, which is why there is a pushback against voting rights, diversity policies, and education reform. We need:
✔ Political power we must control the laws that impact our lives.
✔ Economic power we must build wealth and reinvest in our communities.
✔ Educational equity we must ensure schools are fully funded for ALL children.
The response to my blog proves that people still don’t get it. Everything in America has been and still is about race. And until we have true equity, it always will be.
Should I lease or Buy a Car?
��✨ It was Christmas Eve, and the family had gathered for our traditional Christmas dinner a time of year I treasure the most ✨ �� My kids, all talented cooks, filled the house with the incredible aromas of soul food dishes, laughter, and the joy of being together. The celebration was even more special as we welcomed our fifth grandchild, a beautiful addition to our growing family ��❤
�� Welcome to The Eric Frazier Show, where we discuss Faith, Family, and Finances. I’m Eric L. Frazier, MBA, and today I want to address leasing versus financing a car and what I think you should do. ����
Amid the bustling kitchen activity and the comforting smells of pies baking �� and macaroni and cheese bubbling �� in the oven, my son-in-law made a surprising announcement:�� “I’ve done my research, and I’m ready to buy an electric car ” Then, excitedly, he declared, “Let’s go check out the new Ford Mach-E!” ��⚡
What do you do when your son-in-law drops a bombshell like that on Christmas Eve? ���� You grab your coat ��, leave the warmth of home ��, and head to the dealership. We drove out to San Bernardino, California, where the bright car lot lights illuminated the sleek Ford Mach-E. �� �� With its futuristic design and cutting-edge technology, the car was impressive a testament to American innovation.
After a test drive �� and some negotiation ��, we sat down to crunch numbers Walking into a dealership is like entering a battlefield you have to be sharp and cautious. ⚔ �� Car salespeople live by their commissions �� and are trained to close deals, but I was there to ensure my son-in-law made the best financial decision. With a newborn �� at home, this purchase wasn’t just about luxury; it was about what made the most sense for his family’s future.
The best week to list your house this year is just around the corner, and if you want to make the most of it, now’s the time to start prepping
With just a few weeks to go, I can help you focus on tasks that’ll make the biggest impact in the shortest time. What’s one thing you’d need to do before you’d feel ready to list?
The spring market is already in full swing And right now, we’re seeing:
More homes for sale. Slower price growth. Stabilizing mortgage rates. And more buyers.
And if you’re thinking about buying or selling this season, I’d love to explain what this means for your move How do you think these shifts could impact your plans to buy or sell this spring?
We reviewed two options: leasing or financing. With an MSRP of $55,000, a $10,000 down payment, and a stellar FICO score of 800, my son-in-law qualified for the best rates. Here’s how the numbers looked:
�� Leasing:
After a generous $11,000 manufacturer rebate, the lease payment was around $350/month for 36 months.
The residual value at the end of the lease was $24,500.
Total cost over three years, including the down payment: $41,700. ��
�� Financing:
At 5% APR for 60 months, the monthly payment would be approximately $849.21 ��
Total cost over five years, including the down payment: $60,952.33 ��
At the end of the loan, he would own the car outright, with a potential resale value of $20,075 The net cost would be approximately $40,000����.
The Tax Considerations ����
If he started a home-based business, which he currently does not have, both leasing and purchasing would have tax benefits:
Leasing: He could deduct a percentage of lease payments based on business use, potentially saving thousands over three years
Purchasing: Section 179 and bonus depreciation could allow him to deduct a significant portion of the purchase price in the first year. �� �� . By the way, it’s very easy to start a home-based business and receive these tax benefits! However, these benefits depend on the car being used primarily for business, and they don’t always outweigh the financial burden of taking on debt.
The Best Option: Neither ����
After analyzing the costs, tax benefits, and long-term implications, the best financial advice is clear: neither leasing nor financing is the ideal choice. Instead, he should pay cash �� for a reliable, late-model used car. ��✔
Here’s why:
Debt is the Enemy ⚠
Debt is more than a financial obligation; it’s a weight that slows you down. Life is unpredictable, and unexpected events like job loss or medical emergencies can make debt unbearable. Avoiding debt frees you to navigate life’s uncertainties without financial strain.
The Risk of Over-Leveraging ��
Even with excellent credit, no one is immune to hardship. Falling behind on car payments can lead to repossession �� �� and a damaged credit score. �� Is the risk of losing financial stability worth the thrill of driving a brand-new car?
The Freedom of Living Debt-Free ��
Owning a car outright eliminates the stress of monthly payments, freeing up income for savings, investments, or your family’s future. A debt-free life is a life of opportunity and peace.
�� The Practical Alternative ��
Instead of leasing or financing, I advised my son-in-law to:
Save an additional $2,000–$3,000 to add to his $10,000 down payment. Purchase a reliable, late-model used car with a proven track record of longevity. �� Have the car inspected by a trusted mechanic before buying. ��
Modern cars, especially well-maintained American-made vehicles , can last 300,000–400,000 miles, making them an excellent investment.
�� Debt-Free Is the Way to Be ��
Debt is a thief of opportunity. Financing cars, clothes, or even vacations is the opposite of financial freedom. As Proverbs 22:7 reminds us:
�� “The borrower is a slave to the lender.” ��
The goal is to live free of financial bondage, focusing instead on wealth-building and securing your future. ����
�� The Decision: He Leased the Car ��
Despite my advice, my son-in-law chose to lease the car. He felt confident in his financial stability, employment, great income, low debt-to-income ratio, solid savings, and excellent credit. He negotiated a fair deal and secured a favorable lease rate These advantages come with financial discipline, and I respect his decision. ✅
However, the core principle remains: Leasing or financing a car redirects money away from savings and investments, which could otherwise grow his wealth. ��
�� Final Thoughts: Lessons for the Future ��
If you haven’t read The Millionaire Next Door, I strongly recommend it. �� Wealthy people don’t finance cars they buy used, pay cash, and let their money work for them.
Too often, what we perceive as wealth is actually financed extravagance: cars, clothes, and jewelry bought on credit Don’t fall into that trap ❌
�� Start today. Build a debt-elimination plan. If you haven’t purchased a home yet, that’s one exception where debt may be necessary but even then, it must be approached responsibly
�� Consult a financial counselor or, better yet, talk to me. Because the best gift �� you can give yourself and your family is financial freedom ��✨
Are You Watching the News?
“The Road to War: A Crisis in Real Time”
Part 1: Are You Watching the News?
Are you reading or watching the news? I hope so, because we should all be concerned and aware that the situation is about to get very serious The war in Ukraine is no longer just a distant conflict it is shaping up to be a defining moment for the United States and the world. Russia’s aggression, China’s growing power, and an unstable geopolitical environment are all converging, and the decisions made in the coming months could alter global history.
This is not politics as usual. This is not another foreign policy headline you can scroll past. What’s unfolding right now is a game of nuclear chess between world powers with long memories, global ambitions, and very little to lose. And here’s the problem: most people aren’t paying attention. They think this is just another international issue something for diplomats and generals to handle But it’s not This is a front-row seat to a shift in the world order, and your silence could cost you.
Russia’s war in Ukraine is no longer just about Ukraine. It’s about power. Influence. Resources. Legacy. It’s about who gets to define the rules of the 21st century. And while President Putin is laser-focused on restoring Russia’s imperial past, the U S seems to be hesitating at a time when clarity, courage, and coordination are needed more than ever.
So why does this matter to you? Because whether you know it or not, you’re already involved You’re paying for this war in taxes, inflation, higher gas prices, and now, potentially, in the form of new economic uncertainty. If Russia succeeds in Ukraine, Poland and the Baltic states are next. NATO will be challenged. Our bases in Europe will be activated. This isn’t some far-off theory it’s the way this kind of conflict escalates. And meanwhile, China is watching every move we make. If we fail to stand firm in Europe, Taiwan is next The South China Sea could become a war zone, cutting off trade, sending markets into chaos, and forcing America into a two-front war it is not economically or politically prepared to fight.
And here’s the part nobody wants to say out loud: We’ve already spent over $113 billion in military and economic support for Ukraine But now we’re pulling back We’re hesitating. President Trump is holding private talks with Putin and excluding Ukraine entirely. What kind of message does that send? It says Ukraine doesn’t matter. It says their sovereignty is negotiable. It says the U.S. is retreating strategically, morally, and financially.
If we really believe in democracy, if we really believe in standing up to tyranny, then why are we playing it safe? Why are we trying to win a game of poker when we’re already all-in? You can’t half-fight a war and expect to win You can’t claim moral authority while calculating your return on investment in a conflict where lives not just dollars are on the line.
That’s why I’m writing this series. Because I know people are confused. I know they’re tired I know the headlines are exhausting But I also know that the stakes are too high for ignorance or apathy.
In the coming sections, I’m going to break this down one step at a time. I’ll talk about what the Constitution says about declaring war I’ll explain how Trump’s strategy fits (or doesn’t fit) within America’s long-term national security interests. I’ll break down the economic impact on jobs, interest rates, inflation, and yes, real estate. And finally, I’ll walk you through several real-world scenarios and what they would mean for you, your family, your money, and your future.
This is not a conspiracy theory. This is not fear-mongering. This is about facing reality and preparing ourselves for what’s coming.
Stay with me. Read every word. Share it. Talk about it. Because the next few months may define the next few decades.
If you’re unsure how this affects you—your finances, your real estate plans, your future call me. I’m not just writing blogs. I’m in the trenches every day helping people navigate the biggest decisions of their lives. Whether it’s buying or selling real estate, restructuring debt, preparing for retirement, or simply making smarter moves in uncertain times, I’m here to help.
I’m Eric L. Frazier, MBA Business Consultant, Mortgage Consultant, and Real Estate Advisor. I have over 40 years of experience in finance and real estate, and I’ve helped hundreds of individuals and families protect and grow their wealth.
America For Sale
�� The Myth of “Value” and the Obsession with Cheap Prices
Corporations sold America on the idea that price matters more than quality or national interest. Consumers, conditioned by low-cost goods and big-box convenience, bought into it �� But what we saved at the register, we paid for in lost jobs, shuttered factories, and stagnant wages.
The Abandonment of the American Worker
With the rise of outsourcing, labor unions once the cornerstone of the American middle class were systematically dismantled. �� Wages fell. Job security vanished. ❌ The cost of living soared, but paychecks didn’t keep up �� And while productivity rose, the rewards flowed upward to executives and shareholders, not workers. ��
The Collapse of the Middle Class
“I didn’t grow up thinking about trade deficits or multinational corporations. I grew up understanding hard work and later, the hard truth that even hard work isn’t enough without opportunity.”
I dropped out of college after two years and got married at 19. I entered adulthood with ambition but no degree, and I quickly found myself vulnerable financially and emotionally. That reality hit harder when I became a husband, and later a father. I was responsible not only for myself, but for someone else. And without an education, I lacked the tools to provide real security.
Everything changed when I entered the banking industry. There, I worked beside managers and executives who were educated, articulate, and respected. They had what I didn’t. And to be honest, I realized I had to be better and even more educated just to be considered equal. I didn’t pursue education for prestige I pursued it because I saw, firsthand, that it was the difference between surviving and thriving.
While my degree didn’t instantly raise my paycheck, it transformed my mind. It gave me the ability to write better, speak more effectively, and think critically. Those skills impacted everything my business, my leadership, my life. That’s why I say this with conviction: If education could bring stability to me, it can bring it to my community. And if it can bring it to my community, it can bring it to our nation.
How Did We Get Here?
What happened to the American Dream? �� To an economy where hard work could buy a home, raise a family, and build wealth?
The answer is clear: We sold it.
Over the last several decades, America has transformed from the world’s industrial powerhouse into a nation dependent on cheap imports, foreign labor, and outsourced production. This shift wasn’t accidental it was the result of deliberate policies and corporate strategies that prioritized profit margins over national interest. As multinational corporations chased cheap labor and lower costs abroad, the American worker, the middle class, and domestic manufacturing were left behind. It’s time we confront this truth.
Global Trade and the Great Sellout
Multinational corporations, with the full support of politicians on both sides of the aisle, led America into trade agreements that made it easier to import than to produce. China , Mexico , Canada , the EU , and India became our factories, while we became their consumers. These trade deficits now total hundreds of billions annually billions that could be spent creating jobs, building infrastructure, and investing in our people.
Today, America’s middle class is defined not by values or ideals, but by income and real estate If you own a home and have a high income, you have access to wealth-building tools. If you’re renting or living paycheck to paycheck, even with a college degree, you’re stuck on the outside looking in A true middle class requires more than income it requires access to ownership, opportunity, and security.
The Moral
and Economic Case for Protectionism
To restore American strength, we must return to economic self-sufficiency That begins with a conscious decision by consumers: Buy American. If we demand American-made goods, companies will bring manufacturing back home When America produces what it consumes, the trade deficit will shrink, jobs will return, and our economy will finally serve the many, not the few.
Over the past 40 years, multinational corporations enabled by politicians exported American jobs, gutted our industrial base, and replaced long-term national interest with short-term shareholder profit. They didn’t just chase efficiency they chased cheap And in doing so, they abandoned the very people who built this country: the American worker.
The Price of Cheap
We were told this was for our benefit Cheaper goods, more variety, global competition But we were sold a lie. ��
In exchange for low prices at Walmart and Amazon, we sacrificed:
• Millions of manufacturing jobs
• Entire towns built on industry
• Our ability to produce what we consume
• The economic security of the middle class
We became dependent on imports from China, India, Mexico, and the EU often produced under exploitative conditions we would never tolerate here.
�� The Erosion of Labor Power
While corporations outsourced, they also attacked the last line of defense for American workers labor unions. Unions once empowered working families to earn fair wages, secure benefits, and retire with dignity But now? They’re vilified, defunded, and disempowered
With unions weakened and wages flat, the cost of living surged Healthcare , housing , education all skyrocketed. Meanwhile, productivity rose, but the benefits flowed to the top: CEOs, shareholders, and global financiers
The New Definition of “Middle Class”
Today, the American middle class is defined by two things: Income
Real estate ownership
If you earn a high income or own property, you can build wealth. If you rent no matter how hard you work you’re locked out If you make minimum wage or work without a degree, you’re barely surviving in a country filled with abundance.
There is no longer a broad middle class There is the asset class, and the working class and the distance between them is widening every year.
Metropolitan Dreams, Economic Nightmares
Our cities where opportunity, technology, and entertainment thrive have become economically unlivable. �� People flock to them for jobs, culture, and connection, but can’t afford to live there. They want the American lifestyle but not even a full-time income guarantees it anymore
We’ve created a society where the majority can see what they want but can’t reach it And that kind of inequality breeds frustration, division, and hopelessness.
Reclaiming the Economy: The Role of the American Consumer
So where do we start? Not with corporations They follow profit
The solution begins with us the consumers.
If Americans stop buying foreign-made goods and demand products made in America, corporations will bring manufacturing home. If we prioritize value over price, labor over logos, dignity over discounts the market will respond
We can reverse the trade deficit �� We can bring back jobs We can restore pride in “Made in America ” But it will take a cultural shift a shift in priorities, in purchasing, and in politics.
President Trump’s Vision: Economic Nationalism
Love him or hate him, President Trump’s trade policies aimed to address these imbalances His approach tariffs, trade renegotiations, and America-first manufacturing was rooted in the belief that:
• The U.S. should produce what it consumes
• The American worker deserves economic security
• A nation with a $1 trillion trade deficit is a nation at risk
Whether you agree with the methods or not, the goal is clear: Restore America’s economic power and protect its sovereignty
Closing Reflection: The Power Is Now
The American Dream isn’t dead it’s just been outsourced But it can be brought home
The power is not in the hands of politicians or CEOs It’s in our hands As consumers As voters As citizens
If we want a nation that builds, educates, and empowers its people we have to buy into it Literally
America For Sale
Part 2: An Educated America is a Strong America Why Education Is the New National Defense
“Education didn’t instantly boost my income but it transformed my life. It gave me the power to think , to write, to speak and most importantly, to lead.”
I didn’t go back to school for accolades or status I did it for survival. After dropping out of college and getting married at 19 , I faced a harsh truth: without an education , I was vulnerable. I had big dreams , but I lacked the tools to execute them. The responsibilities of being a husband and later a father made that reality even more urgent.
My turning point came in the professional world, in banking. I found myself surrounded by people who were educated , polished , and progressing �� . They weren’t necessarily smarter but they had credentials, communication skills, and confidence. I realized I had to be better just to be seen as equal .
Returning to college didn’t immediately boost my paycheck , but it gave me something more powerful: stability , credibility , and control over my future . Education sharpened my thinking , improved my writing , and gave me a voice in rooms where decisions were made . And if it changed my life, it can change the lives of others our communities ��, and, ultimately, our nation .
We Fund the Military. Why Not the Mind?
We spend over $800 billion a year on defense to protect our borders . But the real war is being waged in classrooms , labs , and lecture halls and we are losing. America is falling behind in science , engineering , medicine , and AI while countries like China , India , and Germany invest heavily in their people.
Education is an Export—But What About Our Own?
Education is our #6 export, generating $39 billion+ annually from international students . But while we educate the world , we saddle our own citizens with debt . We’ve made education a luxury when it should be a right .
��
Free Education Is Not a Dream—It’s a Duty
If we can afford tanks �� and fighter jets , we can afford
✅ Tuition-free college and trade schools
✅ Universal access to STEM and technical training
✅ Debt-free pathways for working adults and returning students
✅ Fully funded public K-12 education, no matter your ZIP code
.
Education Builds the Middle Class
Education gives people the ability to earn , own , and invest . It lifts communities . It builds nations . It fuels innovation It makes us competitive , secure , and sovereign
Final Thought: From Me to We
I am living proof that education changes lives �� I went from dropout �� to degree-holder , from unstable to secure not because someone gave me a handout, but because I fought for it . Still, not everyone should have to fight so hard It’s time we build a country where everyone has access to the tools that made me who I am today.
Educate the individual. Empower the community. Strengthen the nation.
The Global Education Race Has Already Begun
In the 21st century, national defense isn’t just about missiles it’s about minds . While the U S spends over $800 billion a year on defense , other nations are investing in education as a strategic weapon .
• China is producing millions of engineers and dominating AI, robotics , and biotech .
• India is exporting top-tier tech talent around the globe
• The European Union is heavily investing in research, development , and free or low-cost education .
Meanwhile, in America , students are drowning in debt , teachers are underpaid , and entire communities lack access to quality public schools
We’re not just falling behind we’re choosing to fall behind
Education: America’s Forgotten Superpower
The irony? Education is already one of America’s top exports , bringing in nearly $39 billion a year through international students . We’re training the world’s workforce while underinvesting in our own
What would happen if we treated education like we treat defense?
• Tuition-free college for all qualified students
• Fully funded public schools in every community
• Investment in STEM, AI , biotech , green energy , and critical infrastructure
• Retraining and upskilling for adults displaced by automation and globalization
This isn’t socialism it’s strategy. .
It’s how we defend the American Dream against decay from within and domination from abroad
Free Education Is Not a Handout—It’s a Homeland Investment
We justify military spending by saying, “We must protect our way of life ”
But what protects our way of life more than an informed, capable, empowered population?
• Education fuels entrepreneurship
• Education drives innovation
• Education strengthens democracy
• Education creates economic mobility
• And it builds a workforce that can actually compete with nations that are out-educating us
We must stop treating education like a personal expense and start treating it like a public investment
The Middle Class Depends on the Mind
We can’t talk about rebuilding the middle class without talking about educational access
• If you’re uneducated, you’re underpaid
• If you’re underpaid, you’re less likely to own a home
• If you don’t own a home, you can’t build wealth
It’s a vicious cycle that traps generations in economic insecurity
But education breaks that cycle
It did for me and it can do it for millions more
From Personal Growth to National Power
I am a poster child for what education can do not just academically but practically.
It gave me the ability to survive , to compete , and to lead
It brought me from instability to stability .
If education can transform one life , it can transform a community
And if we scale that across a nation, we have the most powerful tool imaginable not just to survive the future, but to own it
Final Thought: Education Is Defense
We invest in aircraft carriers to defend our borders
We must invest in classrooms to defend our future.
Because in the 21st century
• The battlefield is digital
• The weapons are algorithms and code
• And the soldiers are students, teachers, and thinkers
Let’s build an America that’s ready for what’s next
Let’s make education free, accessible, and excellent because an educated America is an unshakable America
The Power Is Now Let’s Use It.
Connect with Me:
Website: www ericfrazier com
Media & Real Estate Resources: www.thepowerisnow.com
In my recent blog series, I explored the critical intersection of trade, education, and economic justice. But one issue stood out that demanded deeper attention: America’s failure to invest in education and how that failure is rapidly becoming a national security crisis
This isn’t just an academic or political issue to me I’m a poster child for the power of education . I dropped out of college at 19, got married , and entered the working world unprepared But education saved me it sharpened my thinking , gave me a voice , and laid the foundation for my success Now, as a financial coach and advisor, I help others do the same use education to transform their lives, build wealth , and secure their futures .
We Train Soldiers But Not Our Students
The United States spends billions annually training and educating military personnel In fact, in 2018 alone, we spent over $425 million just on tuition assistance for active-duty service members (GAO Report) Veterans receive an additional $10 billion each year under the Post-9/11 GI Bill .
But while we train our troops for war ��, we fail to train our students for the future Millions of American students are underfunded, overburdened with debt , and cut off from high-quality STEM education . That’s not just an education gap it’s a strategic vulnerability
The Real War Is Already Here and It’s Digital
Future conflicts will not begin with soldiers crossing borders They’ll begin with:
• Drones and satellites
• Cyberattacks on our power grid and infrastructure
• Hacks to financial systems and communication networks
• Misinformation campaigns launched across the internet
The people designing and defending these systems are not infantry they’re scientists, engineers, analysts, and coders . Right now, we’re not producing enough of them .
We’re Importing Minds While Exporting Opportunity
According to the American Immigration Council, over 23% of STEM jobs in the U.S. are filled by foreignborn professionals These individuals often come from nations like China and India , which are heavily investing in science and technology education at every level .
• China is overhauling its entire K-12 science curriculum .
• China and Russia are expanding joint technological development and defense innovation
Meanwhile, the U.S. is:
• Cutting federal education funding
• Targeting universities like Harvard for federal review
• Detaining international students
We are importing the talent we fail to cultivate at home while discouraging foreign scholars from coming here in the first place .
Congressional Neglect and Executive Silence
Despite this clear risk, our national leaders have failed to act .
• There is no national plan to rebuild America’s education infrastructure
• No effort to make college affordable or free .
• No strategic pipeline for training engineers, cybersecurity experts, or AI developers
• No urgency about the aging teacher workforce and the lack of qualified STEM instructors .
We continue to invest in weapons , but not in wisdom . And it’s costing us our future .
Education Is Not a Luxury It’s Our Last Line of Defense
We cannot outgun nations like China or Russia if we cannot outthink them . And we cannot outthink them if we keep producing fewer scientists, engineers, teachers, and innovators than they do
If we can:
• Spend $755 billion on military defense
• Educate over 200,000 active-duty troops each year
• And invest $10 billion annually in veterans’ education
Then we can also
• Make community college and trade schools tuition-free
• Rebuild our K-12 education system, especially in underserved communities
• And incentivize careers in teaching, STEM, and public service
Because education is not a luxury it is the foundation of American strength
Final Reflection and Call to Action
If it’s important for individuals and families to invest in their education ��, then it is essential for this country to invest in its citizens
As a Personal Financial Coach, I focus on:
• Education as personal development
• Financial literacy as a survival tool
• Real estate as a source of stability and wealth-building
I help families prepare for homeownership and long-term success but it all starts with the knowledge to make smart decisions . Education transformed my life and it can transform our country . We don’t just need more defense spending
We need a Defense of the American Mind . Because:
• Education is defense
• Education is freedom
• Education is power And the power is now to act
What is Politics?
Politics isn’t something I shy away from it’s something I run toward.
Why? Because you can’t talk about faith, family, or finance without talking about the invisible (and sometimes very visible) hand of politics. It shapes the rules we live by, the policies we follow, and the freedoms we enjoy or fight for. Politics is like air: you may not always see it but feel it in everything. And without it, we couldn’t breathe. Sounds extreme? Think about it right now, decisions are being made that are literally putting lives, livelihoods, and liberties at risk. Politics isn’t just about who holds office or which box you check at the ballot. It’s about how we live together, how we raise families, and how we build futures. It’s about who gets a voice, who gets heard, and who gets left out. It’s in your wallet. It’s in your worship. It’s in your way of life.
So, what is politics?
Politics is the organized conversation of values what we choose to protect, promote, and pass on as a society. It’s not just the power to control; it’s the power to shape. Politics is the debate between competing ideas of “the good life” and whose vision of that life leads. That’s why Faith, Family, and Finance magazine will never treat politics as a side topic. It’s a thread woven through everything we care about. Because let’s be honest: every meaningful issue in our lives has political implications. And pretending otherwise doesn’t make you more spiritual or more focused. It just makes you less informed and more vulnerable.
Politics in Faith
Let’s start there. Faith has always had a political edge. Jesus didn’t die of old age; he was executed by the state. The prophets of old challenged kings and systems. The early church wasn’t persecuted for being impolite; they were punished for claiming a higher authority than Caesar.
Today, your right to pray at work, your freedom to gather, and your ability to live by your beliefs are all political privileges backed (or threatened) by law. When legislation infringes on those rights, that’s not just politics it’s personal. That’s spiritual. If your faith means anything at all, it should inform how you engage with the world around you, including the systems and structures that govern it.
Politics in Family
What about family? Oh, there’s politics there too.
Who defines marriage? Who decides parental rights? Who sets school curriculums, funds child care, or decides whether a child is protected or left behind?
From child tax credits to foster care reform, from housing policy to healthcare access politics sits at your kitchen table every night. It shapes the safety of your neighborhood, the quality of your kids’ education, and even the food on your plate.
So yes, if we want to be good stewards of our families, we must stay politically aware. Ignorance isn’t protection, silence isn’t a virtue, and disengagement is a luxury we can no longer afford.
Politics in Finance
Now, to the one we all feel most directly about: money. Your paycheck and mortgage rate are political Policy shapes your ability to invest, buy a home, start a business, or retire with dignity.
Let me share a personal story.
In 2008, during the Global Financial Crisis, my employer Washington Mutual (WaMu) was acquired in the chaos Lending guidelines tightened overnight, the market stalled, and I earned 50% less the following year. I’ve lived through what it means when politics moves the levers of finance.
Fast-forward to the COVID-19 pandemic lockdowns, mandated testing, and business restrictions made it nearly impossible to serve clients in person Meanwhile, interest rates influenced by the Federal Reserve jumped from 3.5% to 7%, dramatically changing home affordability and loan volume.
You see, we cannot escape politics. It’s already in your portfolio. Tax policy, inflation, insurance premiums, rent prices, zoning laws it’s all political And the less attention we pay, the more we pay in other ways.
A Different Kind of Politics
Let me be clear: I’m not here to preach partisanship. I’m not red. I’m not blue. I’m Eric.
I’m a believer, a father, a husband, a businessman, a consultant, and a citizen. My loyalty is not to a party but to people and principles I serve truth, wisdom, and what works
Politics has become a dirty word for too many people because we’ve allowed it to be We stepped away from the table, and now we’re surprised when it’s filled with nonsense. I say it’s time to take the table back
Let’s return to a vision of politics that is not just about power but purpose, not just about elections but values, not about division but direction, not about control but contribution.
Politics in Faith, Family, and Finance Magazine
That’s why every issue will include stories and insights that intersect with political realities not to stir up division but to stir up awareness, not to polarize but to prepare
We’ll cover economic policy, public education, housing justice, financial equity, and the spiritual consequences of public decisions. You’ll read how political choices ripple through your faith, your family, and your finances whether you vote or not
This isn’t a political magazine It’s a life magazine But life is political
And if we’re going to live it fully, we must understand the systems around us and how to move within them to protect what matters most.
So, no, I’m not running from politics. Nor am I running for office of any kind
I’m running to politics with my Bible in one hand, a calculator in the other, and my family right behind me
Why Fair Housing Still Matters?
September 2025 marks a major milestone: 16 years of broadcasting at The Power Is Now Media.
Sixteen years of bringing you the stories, the voices, and the truths that shape our housing market, our communities, and our futures Whether you're a first-time homebuyer or a seasoned professional, a policymaker or a family just trying to stay housed our mission has always been the same
Educate. Empower. Elevate.
And now, I’m launching a new 10-part series on Fair Housing in America, and I want to speak to you not just as a broadcaster but as a Black man, a father, a business owner, and a lifelong advocate for housing equity.
Because I’ve asked myself this question more than once: Where would I be if the Fair Housing Act didn’t exist?
The honest truth? I don’t know
Now, don’t get me wrong I believe in my ability, my drive, and my faith I’ve overcome a lot But I know that even with all of that, the odds were stacked. And without the protection of the law the doors I walked through may never have been open.
More importantly, I think of the countless people who never got the chance Those who had the ability but not the access. Those who were denied not because they couldn’t but because they weren’t wanted
Fair Housing Is a Fight We’re Still In
Let’s be clear: the Fair Housing Act of 1968 wasn’t a gift. It was won through blood, protest, advocacy, and tragedy passed one week after the assassination of Dr. Martin Luther King Jr.
It came after decades of legalized redlining, segregation, restrictive covenants, and racial steering that locked millions of Black, Latino, Asian, and Indigenous Americans out of wealth-building opportunities
And while the law made it illegal to discriminate based on race, color, national origin, religion, sex, disability, and family status we’re still living with the legacy of that discrimination in 2025.
Fair housing wasn’t just about who got to live where. It was about who got to dream, who got to invest, and who got to belong.
⚖ Look Around: The Fight Isn't Over
As we begin this series, I want you to understand that this isn’t just about history
This is about right now:
✅ In January 2025, two mortgage lenders The Mortgage Firm and Draper & Kramer were hit with multimillion-dollar settlements for redlining Black and Latino communities.
✅ In March 2025, key updates to the Community Reinvestment Act (CRA) were rolled back, reducing accountability for how banks serve low-income and minority neighborhoods.
✅ HUD began terminating fair housing enforcement grants, leaving frontline organizations without the resources to investigate discrimination.
✅ And just this spring, a federal court advanced a lawsuit to trial against Deutsche Bank, Ocwen, and Altisource, accused of failing to maintain foreclosed homes in Black and Brown neighborhoods
Let me put it plainly: We are watching the dismantling of fair housing enforcement in real time.
And if you re not paying attention, you re missing one of the most important civil rights issues of our generation.
�� It’s Not Just Them. It’s You. It’s Me.
This isn’t about pointing fingers This is about responsibility
If you’re in real estate…
If you’re in lending
If you’re in housing development, policy, appraisal, insurance, or finance…
You are in this.
Fair housing isn t a side issue it is the issue.
It’s not just about compliance It's about conscience
It’s not just about avoiding lawsuits. It’s about building communities.
We are the gatekeepers to the American Dream And we must do better
�� What This Series Will Do
Over the next 10 parts, I’ll walk you through the full arc of the Fair Housing movement from its origins to the most pressing issues of today
We’ll cover
The history and legal framework of the Fair Housing Act
The rise, fall, and resurrection of enforcement
Redlining and lending discrimination in the modern era
Algorithmic bias and the dangers of AI in housing decisions
Zoning laws and local exclusion
New lawsuits, federal updates, and the future of fair housing in America
Each chapter will include clear examples, updated statistics, expert insights, and action steps you can take i
�� Stay Connected & Take Action:
�� Subscribe to this newsletter on LinkedIn, or follow the blog at ➡ www.ericfrazier.com or www.thepowerisnow.com
�� Watch our interviews and updates on YouTube: ➡ youtube com/thepowerisnow
�� Need personalized advice or consultation? Whether you re buying, selling, or building your business, I m here to help.
➡ Schedule your free discovery call today Your trusted advisor in business and wealth.
The Fear of Loss and the Politics of Tariffs: A
Test of Loss Aversion - Part I
�� Fear and the Housing Market: Don’t Let It Hold You Back!
As a Mortgage & Real Estate Broker, I see this same fear of loss holding people back every day:
�� Fear of rising interest rates
�� Fear of home prices dropping
�� Fear of economic uncertainty
�� Fear of not having “enough” money
But here’s the truth: Fear robs you of joy and opportunity. �� It’s a four-letter word full of anxiety, stress, and hesitation and it stops people from taking action.
�� The only cure for fear? KNOWLEDGE.
�� Did you know? People fear losing what they already have far more than they desire potential gains. This psychological truth, known as Loss Aversion, is at the heart of the global reaction to President Trump’s tariffs.
�� A Global Panic: Tariffs and the Fear of Economic Loss
President Trump’s tariffs have triggered worldwide panic and resistance:
�� Foreign Governments fear losing access to the U S market
�� American Businesses fear higher production costs.
�� Consumers fear rising prices on everyday goods.
�� Congressional Leaders fear the political fallout
The common denominator? Fear of loss. �� But while most politicians and businesses hesitate, Trump charges forward, rejecting loss aversion in favor of bold economic moves
�� Trump’s Mindset: No Fear of Loss, Only Long-Term Gains
Unlike his critics, Trump believes:
✅ The U.S. has already lost in trade deals, and tariffs will rebalance power.
✅ Short-term economic pain is worth long-term economic strength.
✅ Politicians fear disruption, but strong leaders embrace risk for greater rewards.
�� While most leaders are paralyzed by fear, Trump plays offense, believing the fear of loss is overblown.
When you understand the market, the process, and the right strategies, you replace fear with confidence and power.
�� The Bible says, “In the multitude of counselors, there is safety” (Proverbs 11:14). No one succeeds alone you need guidance from experts who know the way forward.
�� Take Action: Overcome Fear & Secure Your Future!
If you are ready to move forward but feel stuck by uncertainty, I can help. ��
�� Want to buy a home? Let’s create a winning strategy.
�� Need financing? I’ll help you secure the best deal
�� Want to invest? I’ll show you how to maximize returns.
�� FEAR is the enemy of progress STOP LETTING IT WIN. ��
�� Call me today! Let’s turn fear into confidence and take control of your future.
�� Your future is waiting—you need the right knowledge and team to guide you. ��
�� Eric Lawrence Frazier, MBA
President | CEO | The Power Is Now Media
�� Eric.frazier@thepowerisnow.com
�� Book a Consultation: Click Here New boost
The Fear of Loss: The True Barrier to
Diversity, Equity & Inclusion (DEI) Part I
�� History has shown us one undeniable truth: Every major step toward inclusion has been met with backlash, driven not by facts but by the fear of loss. Whether it’s civil rights, gender equality, LGBTQ+ rights, or DEI, resistance has always come from those who fear losing power, privilege, or economic advantage.
�� Fear of Loss in History: A Cycle of Resistance & Oppression
�� The Civil War & Slavery → The South feared losing free labor ��
�� Reconstruction & Jim Crow Laws → White leaders feared Black political power ��
�� The Civil Rights Movement → Fear of sharing schools, jobs, and neighborhoods ��
�� Women’s Rights → Men feared losing workplace dominance
�� LGBTQ+ Rights → Conservatives feared losing cultural control ��
�� Immigration & Demographic Change → Some feared losing their “American identity” ��
�� And now? The attacks on Diversity, Equity & Inclusion (DEI) are just another fear-driven reaction to progress.
�� DEI Is About Expanding Opportunity NOT Taking It Away
�� DEI isn’t about exclusion it’s about fairness.
�� Inclusion strengthens businesses, communities, and economies.
�� Diversity fosters innovation, higher profits, and social progress.
Yet, we see widespread attacks on DEI programs, driven by false claims of “reverse discrimination” or “wokeness ” But where is the evidence that DEI harms businesses, schools, or communities?
The truth? There isn’t any. ❌
We have decades of proof that increasing diversity and inclusion boosts economic growth, improves decision-making, and fosters innovation. The real reason DEI is under attack is the fear of loss.
�� DEI in Action: Disneyland & True Inclusion
I was at Disneyland recently and saw a young man working as an attendant at the entrance. He had cerebral palsy his movement was limited, his speech slightly impaired but he was doing his job brilliantly. His team supported him, and guests respected him.
THAT is what DEI is about giving everyone the chance to contribute. ��
Yet, across America, some want to eliminate these opportunities. They see inclusion as a threat instead of an investment.
�� But here’s the truth Fear of loss is a lie.
�� The Fear of Loss Fuels Violence & Inequality
Every major instance of racial, gender, and social violence in U.S. history has been fueled by this fear:
�� Slavery & the Civil War → White plantation owners feared losing economic power.
�� Segregation & Jim Crow → White communities feared losing political and social dominance.
�� Police Brutality → The over-policing of Black and brown communities is about control a fear of losing authority.
�� Anti-LGBTQ+ Legislation → People fear that cultural and gender norms are changing
�� Attacks on DEI → Corporations and politicians fear that prioritizing diversity will shift power dynamics
�� When people fear loss, they react with violence, exclusion, and suppression. History proves it over and over again.
But here’s what history also teaches us:
�� “Your greatest fears never come to pass.”
�� Desegregation didn’t ruin schools.
�� Gay marriage didn’t destroy families
�� Women’s rights didn’t collapse the economy.
�� DEI won’t ruin businesses it will strengthen them
�� Be Fearless: Stop Letting Fear Hold You Back
This fear of loss mindset is not just about politics it holds individuals back too.
�� Are you hesitating to buy a home?
�� Afraid to start your business?
�� Doubting your ability to achieve financial freedom?
�� Here’s the truth: There is NO room for fear in success. ��
�� I am a Real Estate Professional, Mortgage Consultant, and Business Coach.
�� If you are ready to move forward, I will guide you.
�� Whether it’s homeownership, investing, or launching a business fear is your greatest enemy.
�� Call me today! Let’s take fear head-on and turn your dreams into reality
�� Be fearless. Be bold. Take action. Your future starts NOW. ��
