APRIL 2018 Vol. 05 | Issue 3
THE FAIR HOUSING ACT
APRIL FESTIVALS IN CALIFORNIA
STOP BEING AN INVISIBLE REAL ESTATE AGENT
OUR COVER MARTIN LUTHER KING AND HIS DREAMS OF FAIR HOUSING
Have You Read Our Past Issues Yet? the power is now
magazine THE POWER IS NOW INC. Vol. 05 | Issue 3
Eric Lawrence Frazier, MBA President and CEO Office: (800) 401-8994 Ext. 703 Direct: (714) 361-2105 Eric.Frazier@ThePowerIsNow.com www.thepowerisnow.com www.blogtalkradio.com/thepowerisnow
EDITORIAL TEAM Eric Lawrence Frazier MBA Editor in Chief (800) 401-8994 Ext. 703 Daniel Mungai Managing Editor (800) 401-8994 ext. 707 firstname.lastname@example.org Goldy Ponce Arratia Graphic Artist and Design Manager (800) 401-8994 ext. 711 email@example.com
CONTRIBUTORS The Power Is Now Research Team
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magazine CEO & Publisher Eric Lawrence Frazier, MBA 3739 6th Street, Riverside, CA 921506 Ph: (800) 401-8994 ext. 703 EDITORIAL Editor in Chief: Eric Lawrence Frazier MBA Managing Editor: Daniel Mungai ONLINE Web Designer: Design Box DESIGN Art Director & Design Manager: Goldy Ponce ADMINISTRATIVE Administrative Assistant: Kendra Gedeon
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TABLE OF CONTENTS
OUR COVER Martin Luther King
Celebrating 50 Years Of The Fair Housing Act
How California Leads the U.S. Economy
Boom and Gloom: An Economic Warning For California
Liquidity Crisis In The U.S. Mortgage Market
Technologies For Construction Waste Recyling
Changes In Housing Practices Over The Last 50 Years
Real Estate In Riverside
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Real Estate In San Berbardino
April Festivals In California
5 Tips For Spring Gardening
5 Trends For Sustainable Homes In 2018
Stop Being An Invisible Real Estate Agent
Home Improvement Shows You Can Broadcast On Netflix
Living Along The 15 Freeway Corridor In Eastvale, CA
New Technologies In Commercial Real Estate
o our valued readers:
Welcome to the 2nd quarter of 2018. Yes, I know, I can’t believe it either. It seems like it was just yesterday I was bringing in the new year, but the 2nd quarter is here and it’s time to double up your efforts especially if you are planning to buy a home. What a great way to start the quarter? With the celebration of the resurrection of Christ, the Passover, the 50th year since the assassination of Martin Luther King, the 50th year of the Civil Rights Act and the Fair Housing Act, my oh my, this is a quarter full of activities, so you better get ready. Other event signifying the start of this great quarter included events like First U.S flag Approved event, the Discovery of the North Pole, and so much more. We are looking at a great start, and as we know, great start brings better results and a better ending. The month starts off with some rather unusual, but interesting news about the Treasury releasing the Community Reinvestment Act
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in which the Department recommends some modernization changes to the CRA. Basically, these recommendations seek to better align CRA activities with the current situations in the community that the banks serve. This report has well been detailed in this copy to help you gain insights and how it affects you as an individual and the other parties involved.
readership. Our team is always here for you, dedicated to serving you. We want the best for and from you and therefore we’ll bring the best from us. Take time, read and read again, spread the news. Knowledge is power and The Power Is Now. Have a prosperous month.
in these regions.
goal, helping you towards home ownership. That being said, if you haven’t signed up for our many homebuyers’ workshop, trust me, you are missing a lot. Each workshop is tailor made for the home buyer, therefore, be sure to get some amazing tips as well credible information to support your dream.
I believe it is a copy that will change your perspective about a lot of things moving on We’ll take a look at some markets, specifically forward. Riverside, San Bernardino, Vallejo, Oakland, It is about change, and also there are many Fullerton and Wine country. There’s a low more interesting topics and trends that will make inventory for real estate listing, the market is your April a month to remember. running short of supply, what is happening? This and many more questions will be answered right The Power is Now is dedicated to help you here and we’ll tell you why you need a property make your dreams a reality, and as our primary 50 years since his assassination, Martin Luther King fought for Fair Housing, what has been done? What are the changes? What can we learn? These are the key questions that we shall be looking at as we try to understand where we are coming from in as much as fair housing is concerned. Also this month, we take a turn towards our reputable state, California. A lot has happened, and a lot more is about to happen. Pressure’s rising and this has sparked heated debate, find that and much more and our honest take about our state here in our magazine.
Eric Lawrence Frazier, MBA CEO The Power Is Now Inc.
Sometimes, as an agent you feel beat up, and it is okay to feel that way, but what if there is a way to stop being invisible in the market? Wouldn’t that be a great point to start? Well, this month as we welcome the quarter with glamour, as an agent, take our free tips on how to improve your productivity. Thank you for your continued support and
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• Streamed live on Facebook, and are • These sessions provide real estate rebroadcast on BlogTalkRadio which agents and brokers a powerful is syndicated to iTunes, TuneIn and marketing opportunity to access The many other online radio platforms. Power Is Now Network of Agents During the show each agent and their nationwide and our audience of listings are featured for approximately prospective buyers and sellers that is five minutes to discuss why buyers 1 million strong and growing. should consider buying their listing(s). In addition, each agent will be given an post-show opportunity to launch a customized marketing campaign to get additional exposure. CALL ME FOR MORE INFORMATION ERIC LAWRENCE FRAZIER MBA
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OUR MISSION: The mission of the Orange County Realtist is to provide support and education for its members to grow and expand their businesses while assisting the community to achieve the American dream of homeownership.
OUR VISION: The vision of the OC Realtist is to become a center of influence and a chapter of successful realtists in Orange County whose businesses are thriving from the support they receive and the networking opportunities that exist by their affiliation with National Association of Real Estate Brokers.
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NAREB was founded in 1947 and is the Oldest African American Real Estate Trade Association in the United States. The Orange County Realtist Chapter was founded in October 4, 2009 by Eric Frazier in Orange County.
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How California leads the U.S. Economy
alifornia comprises one – eight of the United State’s population with over thirty nine (39) million people. Being one of the biggest state of America, it acquires an estimated $2.3 trillion gross domestic product. This state possesses a big and progressing economy, which overpower four (4) richest countries in the whole world. California’s economy is by large bigger than ever before and compared to most other economies in the world. There is no doubt California is the 5th largest economy in the world. Depending on how you chose to measure it, China, United States, and German have larger economies than California, of course, falling in as the 6th largest economy is United Kingdom. Ma jorly, the success of America’s developed economy can largely be traced back to California. Since the financial crisis of 2008, the reason America has sustained a positive economy to achieve a record GDP growth is because California has been growing, largely.
According to Jerry Brown, the sitting governor of California state, immigrants are the ma jor reason why the state has so far been successful. California also utilizes their revenues on educational research that economically helps in the progress of the country. Jobs increased and more people got employed. This is additional revenue for the government that are in turn used and utilized for the public benefit. The revenue from agriculture, forestry, fishing and hunting, altogether totaled to a high of $39 billion, that was in 2015. More to that, the manufacturing industry in California injected into the economy an addition $279 billion. For the Tech companies in California, we are looking at 12-month revenue of $720 billion, according to data from Bloomberg.
Laws The California government has enforced laws that promote clean energy. Furthermore, accountability The Power Is Now Magazine
and protection of the undocumented people are some of the other reasons why much of the U.S growth can be traced back to California.
In the past 5 years, California has by large outperformed other states. In the stock and bond market,
investors have shown zero-allegiance to political affiliations. On the aspect of debt management, California’s credit worthiness keeps on getting better. This can be shown by the declining premium global investors have to pay to guard against depreciation of the state’s debt obligation. Perhaps, one of the reasons why California has grown so much in investment by foreigners is because investors see security in the state. Let’s focus on borrowing. The county’s borrowing cost is 0.15%, which points to a lower than average in most states and municipalities. On the other hand, the bonds issued by the county’s municipalities resulted in a total return of 2.3% since November. Bloomberg’s data show that this has outperformed the benchmark for U.S. This rigorous growth of the bonds sold by California is a direct consequence of the state’s regulation of the market. California further prides itself to be the home of 20 of 130 companies in the North America and South America. These companies meet the standard categorization of clean energy. During the last 12 months, these companies yielded a return of 45%, which beats the set www.thepinmagazine.com
benchmark of 13%.
Technology Technology also starts to move up for its loss of attention in the last few years. Because of this, convenient processes are being executed by most companies and extraordinary services are being delivered leading to a higher profit rate. Media is also playing a key role in California’s big success. Currently, California holds lots of production jobs as cable channels and companies start to bombard in the whole world.
References https://www.bloomberg.com/view/ articles/2017-05-10/california-leads-u-seconomy-away-from-trump <http://talk.baltimoresun.com/topic/280841california-leads-us-economy-away-fromtrump/>
We make the American Dream of Homeownership a Reality
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We pay the Highest Commissions for buyers’ agents than any other real estate firm in California. Our buyers’ agents keep 100% of the commission on their transactions. Here are additional benefits: No Transaction Management fee No Errors and Omission fee No Monthly Fees Whatsoever No Franchise Fee No Broker Admin Fee No Office Admin Fees No Nonsense, No Games Territory Management - Exclusivity:
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The Power Is Now Mortgage Services is a Mortgage Brokerage licensed by the State of California Bureau of Real Estate (license #1980407) and the National Mortgage License System and Registry (license #1435243), and is a division of The Power Is Now Inc. (license # 01980407). The Power Is Now Inc. is not affiliated with any state or federal agency. The Power Is Now Real Estate Services is also licensed by the State of California Bureau of Real Estate (licensed #01980407), and is a division of The Power Is Now Inc. The Power Is Now Inc., is an equal housing lender. Our corporate office is located at 3739 6th Street Riverside, CA 92501. Our Telephone and Fax number is 800-401-8994. Eric Lawrence Frazier MBA, is a California licensed Loan Originator (NMLS license # 461807), and a licensed Real Estate Broker (CA Bureau of Real Estate license #01143484). Restrictions may apply to all loan programs. The Information and/or data is subject to change without notice. All loans are subject to credit approval. The information presented is not a commitment to lend or extend credit. Not all loans or products are available in all states. The Power Is Now Mortgage Services and Real Estate Services are A Division of The Power Is Now Inc., and are only licensed to conduct business in the State of California.
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Boom and Gloom:
An Economic Warning For California The Gloom California has encountered about twenty percent of the nation’s economic growth since 2011. In 2011 the Texas economy was doing so well and California’s so poorly. This made the Democratic lieutenant governor of California, Gavin Newson travel to Austin to seek advice from an unlikely mentor: the Republican governor of Texas, Rick Perry. When the Newson returned, he remarked appreciatively that the people in Texas were more aggressive than them; they knew what they were after. Despite all that consultation, Texas economy continued to grow more and more with much effort from Perry, Texas’ governor. Much of these efforts included attracting business people from California to build houses on the cheaper Texas land. By the year 2013, the Texas GDP was equal to seventy percent of California’s. This was opposed to the 2001 G.D.P, where the Texas’ GDP was only equal to forty percent of California’s. Texas boasted a much lower unemployment rate, and from years 2009 to 2012. It was responsible for the newest business establishments in the United States. All this growth and failure, simultaneously led to the publication of a cover article by the economist Tyler Cowen, proclaiming that Texas represented “America’s future.” Factors That Contribute To the Gloom High expenses in building a business: Building a business in California is next to “impossible!” Texas Governor Rick Perry said this on the media. He further encouraged investors to invest in the cheaper Texas. This reduced the number of investors in California.
High income-tax, housing rates: California income-tax rate and its housing costs were among the highest in the nation and its business regulations very resolute. This further constituted to investor moving to other areas where housing costs were low, income-tax bearable and friendly business regulations.
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California’s economy is a volatile economy, meaning at its boom, the chances of falling back to the starting point are too high.
The Boom Over time since the year 2012, California’s economy has improved due to the following; • Voter-approved tax hike. • The stock market boom which has translated into more tax receipts from California’s wealthiest residents. • Reduction in the budget amount, which has been contributed to by several reasons, including the reduction in the amount of taxes levied to the residents. • Construction crews in Los Angeles, which reflects a boom in building hotels, shopping centers, and high rise condominiums. • The sudden economic growth from the year 2012 may be a sign of long lasting prosperity to the Californians or an upcoming doom to the state.
The Future Warning to California With this sudden change of California’s economy, from a falling to a newly grown, thriving economy, many concerns have been raised. The concerns are about the immediate future awaiting the people of California. Probably there is a long list of things that could go wrong. • A surging budget deficit could stock higher interest rates. • There’s a high probability of increased unemployment since the more depended on Silicon Valley continuously hires few people. • If recent upheaval in stocks signals a longer term decline, it would hurt California in particular because its budget relies heavily on high earners whose incomes rise and fall with the market. • President Trump’s moves to upend longstanding trade arrangements could be a setback for the state, home of the country’s biggest port complex. • A drop in technology industry valuations or in venture capital investment which has played a huge role in California’s recent boom would reverberate swiftly
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through the state’s economy and tax receipts. As stated above, California’s economy is a volatile economy, meaning at its boom, the chances of falling back to the starting point are too high. This calls for the state to device better ways to reduce the chances of getting hell break loose for them. These methods include the well employed method in Texas, diversification. The state should diversify in the many industries they are capable of initiating and running.
References: https://www.nytimes.com/2018/02/13/ business/economy/california-recession.html http://comment-news.com/story/ WxpZm9ybmlhLXJlY2Vzc2l vbi5odG1s
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Living Along The 15 Freeway Corridor in Eastvale, CA
astvale, California has been a recent incorporated small town in southern California. Thanks to a change in state law, the city of Eastvale was created in 2010. It is a city located in Northern Riverside County, and the 53,000 residents can commute to LA via Interstate 15.
SHALONDA PILGRAM CA BRE: 01994236 Phone: (800) 401-8994 x 730 Direct: (951) 704-2590 email@example.com
The housing bubble crash, just prior to the city’s incorporation, caused median home prices to fall by 50%. However, the Inland Empire as a whole, including Eastvale, has experienced growth in jobs and new home construction that has contributed to a robust economy in the area. Living along the 15 freeway corridor means that Eastvale residents are close to the lifeline of transportation for Southern California, as well as Utah and Nevada. That means that Disneyland is only forty minutes away. Eastvale is cheap and fun! While there’s lots of fun to be had at Disneyland, living along the 15 freeway corridor means that it’s an easy commute for anyone working in LA. With the reduced cost of living in Eastvale, commuting into LA is perfect for anyone on a budget! There are some concerns about traffic congestion on I-15, especially as growth continues in southern California. However, the I-15 Alliance is working on finding viable solutions that help alleviate the traffic
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problems that come with increased growth. If you choose to live in Eastvale and commute to LA for work, the best news is that even though Eastvale is a small city, it has all the amenities of living in a larger city. You can stay close to home for your shopping needs! Eastvale boasts a thriving shopping area with stores including Macyâ€™s, Game Stop, and Home Goods. Blackhorse Tavern and Grill, Pacific Fish Grill, and Volcano Hawaiian BBQ give you the chance to support local business while enjoying great food! Plus, youâ€™re less than an hour away from a weekend at the beach. Commuting in southern California is often challenging. But living in a community like Eastvale makes the commute worth it. Real estate in Eastvale is reasonably priced, the community is modern, healthy, and prosperous, and the region is beautiful.
Sources: h tt p : //w w w. i 1 5 a l l i a n c e . o r g /p d f s / I - 1 5 _ CSMP_03-2017Update_v30.pdf h tt p : //w w w. i 1 5 a l l i a n c e . o r g /p d f s / I - 1 5 _ CSMP_03-2017Update_v30.pdf
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IN REAL ESTATE
Real Estate in Riverside
eciding whether or not to invest in real estate is really a no-brainer. While trends show that we’re in a seller’s market right now, forecasts tell us that home prices in Southern California, and California as a whole, will continue to rise. There is no point in waiting to buy real estate in California, and more to that, there is no better place to buy real estate other than Riverside. The real estate market in Riverside is thriving. Last year, home prices in Riverside rose 8.7%. Sales in 2018 should rise another 8.9%, compared to only 3.9% in the greater Inland Empire Currently, there is a rising demand for real estate in Riverside, and California in general. While this is fantastic news for real estate investors and those buying and selling homes, it’s important to remember that the upward trend won’t last forever. When you look at the causes that strengthen the value of real estate in Riverside, you will see that there are several contributing factors. First, the job market in the Inland Empire is robust. Logistics leads the way in job creation, but
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the construction industry is also continuing to fuel job growth, hiring on a level that is almost on par with hiring in the region prior to the recession. Jobs should grow by 2.2% this year, and while the growth will slow, it will continue to grow in 2020. Californiaâ€™s labor market is also growing. A combination of liberal policies, marijuana legalization, strong economy, and the aforementioned job growth are bringing both skilled and unskilled workers to California. People would rather buy real estate where they decide to put down roots, and California has been leading the nation in recovery from the recession for several years now. This makes California a destination for people who are unhappy with their current locations. Finally, real estate in Riverside offers a diverse assortment of choices for the discerning investor. Whether you are purchasing real estate in Riverside as an investment property, or as a home for your family. Recent listings for real estate in Riverside include luxurious homes in gated communities as well as condos with
balconies in adults-only communities. Family homes in great school districts and renovated homes in historic districts are examples of the prime real estate available in Riverside. When deciding where you should buy a home, whether as an investment or to make a home, consider Riverside, California.
Sources: https://www.ocregister.com/2018/01/04/ no-end-in-sight-housing-market-still-has-legseconomists-say/ https://www.pe.com/2018/03/07/the-inlandempire-is-leading-california-in-job-creation/ http://www.ppic.org/wp-content/uploads/r118sbr.pdf
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Real Estate in San Bernardino
urchasing real estate in San Bernardino offers a variety of choices. Perfect for small families, those looking to downsize, or anyone wanting to dip their toes into the investment property pool, San Bernardino is a quaint, revitalized community on the edge of the high desert in Southern California. Perfect for families Looking for a smaller community to raise a family in? San Bernardino’s school district boasts fourteen high schools, including several charter schools. In April, 2018, thirteen
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campuses in San Bernardino county were chosen as Distinguished Schools under the California Distinguished Schools program. Living in San Bernardino, you’re close enough to Disneyland or Knott’s Berry Farm to take a day trip. Closer to home, you’ll find the San Bernardino National Forest, the thirty-four acre Blair Park, and the Norman F. Feldheym Central Library, which has a dedicated Children’s Room and a writing program for teens.
Great for Older Couples One of the best parts of San Bernardino is
Real estate values are slowly increasing, so today’s real estate investment will be tomorrow’s windfall. The community is perfect for people leading an active lifestyle. There are a variety of museums, and the Glen Helen regional park has some incredible fishing. The San Manual Amphitheater hosts dozens of concerts each year.
Because the community has a thriving school district and is a great environment for active people, the opportunities to invest in San Bernardino real estate are easy to see. Whether you are looking for your own home, or trying to find a way to break into real estate investing, don’t ignore the possibilities of San Bernardino real estate.
Ideal for Real Estate Investing
that it’s far enough away from the hustle and bustle of LA that you can slow down there. When the kids have left the nest, you can buy a smaller home there knowing that you’re close enough to the action, but not having to be an active part in it. San Bernardino’s attractive real estate for older couples includes upgraded condos, manufactured homes in private communities, and one or two-bedroom single family homes for less than $150,000.
For those of you looking to invest in real estate, San Bernardino has a variety of offerings that make it a perfect location for you. Because the area has experienced growth in recent years, mainly due to the Amazon distribution facility in the area, there is some new construction. There are also a number of older homes in need of rehab; these are a great way for you to invest in real estate, as you can usually pick up these properties for a very small down payment. Finally, there are many great homes that don’t need any work, but are slightly older, so their price range is better for families; whether you decide to rent or flip, these homes will be a superb investment.
Sources: https://momsla.com/14things-san-bernardino-kids/ https://www.sbsun. com/2018/04/03/two-dozeninland-schools-among-thestates-best/ https://www.zillow.com/ homes/for_sale/pmf,pf_pt/ house,condo,apartment_ duplex,townhouse_type/1-_ beds/1.5-_baths/0-200000_ price/0-783_mp/ globalrelevanceex_ sort/34.290977,117.099495,34.013681,117.568474_rect/10_zm/ https://www.thecrazytourist. com/15-best-things-sanbernardino-ca/5/
CHARLENE NEELY City Manager / Broker Associate CALBRE # 01235710 Phone: 800-401-8994 x 740 Direct: 510-435-0648 Email:firstname.lastname@example.org Website: www.thepowerisnow.com www.applytobuynow.com
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Martin Luther King
Dreams of Housing
artin Luther King was a powerhouse name in fighting against racial discrimination. Even after his assassination, the principles he stood for have been championed by organizations that believed in his course. One common type of discrimination that was instigated in Lutherâ€™s era is housing inequality. However, King was adamant in fighting for the rights of the minority Blacks living in the United States. Martin Luther spoke against social segregation which had pushed Black Americans to live in slums. The opportunities were limited in these areas. Despite the abolishment of slavery, there were still elements of racial discrimination. The following are some of the ways that Luther contributed to equality in the housing sector.
Freedom Movement Dr. Luther did not only form a campaign to champion for the rights of Black-Americans but also actively participated in demonstrations. He changed his family residence to Chicago where he could monitor and lead the movement. Fearlessly, Martin went to City Hall and placed a paper that aired the communitiesâ€™ grievances. The Chicago mayor would then call for an immediate audit of the local housing conditions. The houses where the Blacks lived posed danger to their lives because the city had poor drainage, substandard garbage management and leaking sewerage system.
Formation of the council was a result of the Freedom Movement. The new non-profit organization acted as a channel to advocate for fair housing. Martin Luther provided legal advice to the locals and later he advanced his agenda nationally. The organization also educated www.thepinmagazine.com
the Black-Americans and their White counterparts of the need to have fair housing. The local leaders were in support of Luther’s course which eased the operations of his NGO. He created a foundation for negotiation of the rights of people of color.
Fair Housing Act The Fair Housing Act has the imprints of Luther’s legacy. The new law expanded on previous Housing Acts to advocate for fair treatment of Blacks, women, and people living with disability. The law had failed after various attempts of the Congress to garner enough support from the members of the house. The regulations were passed without debate days after the assassination of Luther. The move was to quell the riots that were being witnessed after the murder of King. The US president mourned Luther and regretted that the motion gained popularity after his death. He wished Martin had lived to witness the change that was sweeping through the housing sector.
Negotiations with Real Estate Agents In the fight for fair housing, Martin Luther King did not spare the agencies in real estate. He boldly The Power Is Now Magazine
approached them and called for the availability of non-discriminating real estate listing, fair mortgage policies and revocation of discriminative agencies’ licenses. Luther also advocated for garbage collection in slums to make the conditions habitable. In one of his speech, he pointed out that it was time for the Blacks to stop living with rodents. MLK also negotiated with contractors to demolish the existing poor structures to put up better houses.
Formation of New Organizations Luther was not assassinated with his dream of fair housing. After his death, organizations that advance his agenda have been formed since 1968. The NGOs advocate for fair housing and poverty eradication in cities where the Blacks are most prevalent. A good example is Fahe which advocates for better housing conditions in American rural April 2018
areas like Appalachia. The dream is still alive through such organizations which were formed from the legacy of MLK. Undoubtedly, King was an aggressive leader in fighting for the rights of Blacks. His focus on fair housing cannot be underestimated. To date, the equal housing opportunities offered by agents and federal governments are as a result of what Luther fought for.
References h tt p s : // i n e q u a l i t y. or g / r es e ar ch /m l k s - dr e am housing-equality/ h t t p s : / / w w w . playtimeproject.org/2016/01/ still-dreaming-martin-lutherking/ h t t p s : // w w w . i n m a n . c o m / 2 0 1 8 / 0 1 / 1 5 /m ar ti n l u th er - k i n g - j r - s - l e g a c y o f - c o m b a ti n g - h o u s i n g inequality/
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Liquidity Crisis In
The U.S. Mortgage Market
n 2008 the U.S economy went into a financial crisis and the worst recession ever since the Great Depression.
The financial crisis was caused by the collapse of the sub-prime mortgage market. This occurred when the banks sold out mortgages to too many households who later on failed to refinance them due to the drop in home prices and a rise in the unemployment rate. After the crisis, in a bid to ensure that such a financial meltdown does not occur again, Congress and financial regulators set stringent rules and enforced stronger underwriting standards to reduce the risk associated with mortgage lending. This, however, has led to the flourishing of non â€“ bank mortgage companies that provide credit to those that do not meet the bank The Power Is Now Magazine
standards resulting in a liquidity risk that everybody concerned is silent about.
Why the Rise Of Non-Bank Mortgage Companies Could Cause A Liquidity Crisis The last financial crisis was partly caused by the unregulated lending in the mortgage market, which made it vulnerable. Unfortunately, the same vulnerabilities still exist and pose a greater risk because the nonbank mortgage companies now hold a larger share in the market. The new regulations that were set after the last financial crisis require that: â€˘ The lenders carefully assess the ability of the borrower to pay back before they 34
could provide credit to them. The lenders are therefore limited to selling mortgages to those with a spotless credit history. â€˘ The lenders have enough capital to weather defaults and are regularly checked by the Federal Reserve, which performs stress tests to ensure that. The problem is that these rules are heavily enforced by traditional banks that take deposits. The rules, however, do not apply to the non-bank mortgage companies which originated about half of the mortgages in 2016. They have provided mortgages to those that the bank has proven not to be worthy of credit and are therefore more likely to default on their payments. Furthermore, the non-bank mortgage sector does not take deposits and in general, do not have enough capital to withstand the losses that could be caused by the defaults. These were the exact liquidity issues that came up during the financial crisis that led to the failure of many of the non-bank lenders.
Consequences Of Non-Bank Mortgage Failures By operating with low capital the non-bank lenders without a doubt can reap high profits in the good times. In bad times, however, as mentioned earlier, they may not have enough capital to withstand the losses which would lead to a catastrophic fall. Should the event that the failure of a nonbank mortgage company occurs the following parties would be affected.
The consumers A failure would lead to the contraction of mortgage origination capacity. This is with
no certainty that other financial institutions would provide credit to the borrowers under the same terms if at all credit is extended to them. Also, there would be a ma jor change in the servicing of their mortgages, which would be stressful and confusing to the consumers.
The U.S government After the previous financial crisis, the U.S Department of Justice, Fannie Mae and Freddie Mac pursued the originators and recouped billions of losses in the process. The government would not be financially able to do the same this time if the non-bank mortgages failed since the high rate of defaults of which 75% are insured by the Federal Housing Administration (FDA) or Department of Veterans Affairs (VA) are now state-owned.
The non-banks, shareholders
Many of the non-bank lenders would lose their assets, their employees would lose their jobs and shareholders would be wiped out in the event of failure. Despite the fact that the non-bank mortgage sector has the potential to cause a repeat of the mortgage crises, the issue has not been tabled for discussion. It would be absurd that all the measures that were taken to avoid the repeat of the liquidity crisis were all in vain.
References: https://ideas.repec.org/p/fip/fedgfe/2018-16. html https://www.brookings.edu/bpea-articles/ liquidity-crises-in-the-mortgage-market/
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The Impact of the Current Expected Credit Loss Standard (CECL) on the Timing and Comparability of Reserve
ecently, there has been a change in how financial institutions manage and report allowance for loan and lease losses (ALLL). Instead of waiting until is recognizable that a loss has occurred, banks will now factor in total expected credit losses when starting a loan with a client. This new standard, known as the current expected credit loss standard (CECL) allows for ALLL to anticipate losses and become less pro-cyclical. This change seems to be good for people seeking credit, as the CECL should result in banks having more credit to lend out during a financial downturn. Let us take a closer look at the CECL. In the aftermath of the recent financial crisis, there was a demand for a review of the accounting rules. In June 2016 the Financial Accounting Standards Board (FASB) issued the CECL. Basically, the CECL focuses on looking to the future and predicting potential losses instead of responding to losses as they occur. Outside of what the the FASB considers â€œreasonable and supportableâ€? forecast period an institution must use historical data as their source for risk assessment. Another change brought about by the introduction of the CECL is new sources of variation in the calculation of ALLL. The new requirements under CECL necessitate lifetime losses to be estimated. This of course adds quite a bit more variation and means that forecasts will need to be geared towards specific institutions in order to be accurate. One ma jor problem resulting from this new reality is that it becomes more difficult to compare between institutions and over time. Let us use California home prices around the time of the last financial crisis as a way of comparing the old incurred loss standard to the CECL. California property values began to go down in 2006,
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but instead of gradually responding, the ALLL increased drastically when housing values reached their lowest point in 2009. Had the CECL been in use at the time there would have been a slow change in provisioning charges that lined up with what was happening to property values. CECL functions very well with perfect forecasts, but unfortunately banks are rarely able to accomplish this task on a macroeconomic scale. Risk managers will therefore use different models based on different potential forecasts. Research has shown that the differences used in constructing these different forecasts can have a significant impact on loan loss provisions. And of course, this variability can potentially hamper comparability across institutions and time if risk managers are not able to distinguish how much of that variation is due to risk and how much is simply model uncertainty. A lot of things changed following the recent financial crisis and so it is no surprise that there has been a demand for change, which has come in the form of the CECL. The CECL
has advantages in that it can predict potential losses and allow banks to increase provisioning charges gradually instead of abruptly. But there are also signs that it may have a weakness in its comparability factor. The new forward-looking credit loss provisioning standard, CECL, is intended to promote proactive provisioning as loan loss reserves can be conditioned on expectations of the economic cycle. Provisions are generally less pro-cyclical compared to the current incurred loss standard; CECL may complicate the comparability of provisions across banks and time.
References: h tt p s : //p ap er s . s s r n . c om /s ol 3 /p ap er s . cfm?abstract_id=3062661 h t t p s : // w w w . r e s e a r c h g a t e . n e t / publication/321092723_The_Imp act_of_the_ Current_Expected_Credit_Loss_Standard_ CECL_on_the_Timing_and_Comparability_of_ Reserves
Frazier Group Realty, Inc. As you venture into the World of Real Estate, we can help you put the pieces together and Naviagate you into Home Ownership
Ruby L. Frazier President License #01751773
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Frazier Group Realty is the right place. Our Navigators are available to give you personalized service and answer any questions you may have. You can call, email or visit us and we will be there ready to help you every step of the way. Wether you are a first time home buyer or an experienced real estate investor, here at Frazier Group Realty you gain useful information about how to choose the “right” property, and everything involved in making an informed decision in today’s real estate market.
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Technologies For CONSTRUCTION WASTE RECYCLING
onstruction waste is a big problem all over the world. If the waste is not recycled properly, it can cause serious environmental problems. Recycling, reuse, and reduction of different types of construction materials are the most common methods used to reduce the waste that is generated during remodeling and construction. Different Types of Waste at A Construction Site • Brick • Carpet • Concrete • Drywall • Ferrous and Non-Ferrous Metal • Insulation • Glass • Cardboard and Paper • Plastic • Paints • Solvents, Sealants, and Stains • Masonry • Wood
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Construction waste recycling is the process of separating and recycling recoverable waste. Most construction waste goes into landfills and this increase environmental concerns. New technologies help reduce the amount of waste from construction sites. A large number of materials that are used in the construction industry are recyclable. Construction recycling requires systems that separate the materials by type.
Construction Waste Recycling Technologies and Processes • Cardboard and Paper Recycling Process Cardboard and paper can be recycled in an efficient manner. Sorting technology is used to sort large quantities of material in a short time. Different types of sorting techniques are used to separate the paper and cardboard. After the process is completed it is sent for recycling. • • Asphalt Recycling
The advanced construction processing systems include air and water separators, automatic optical sorting, grinders, shredders, screens and manual sorting. Before the recycling process starts, it is important to identify and separate the different materials. After all the materials are separated, they can be recycled and reused.
Asphalt is 100% recyclable. Asphalt roofing can be recycled into patching material or reused for road paving. It can be reused again and again and never loses its value. A range of technologies is used to produce warm mix asphalt. This reduces the production and placement temperature of asphalt mixtures. Plant based foaming is the most common technology used for this purpose.
• Concrete Recycling Concrete recycling utilizes the aggregate that is left behind after the structures are demolished. This allows reuse of the rubble and keeps construction costs at a minimum. The recycling process involves pre-sizing, crushing, screening, sorting, and contaminant elimination. Depending on the type of rubble, crushing and screening technology is used to get the desired final product. Scalping www.thepinmagazine.com
screen removes any foreign elements and dirt. The concrete is further cleaned so that it is free of clay, plastic, organic materials, and wood. Electromagnetic separators, air separators, and water floatation technology are used to clean the concrete.
Drywall Recycling Drywall can be recycled and used in the manufacture of new drywall. New technologies are use drywall as an ingredient in the production of cement. It is also recycled and used as an ingredient to produce fertilizer products.
Wood Waste Recycling Process
The most common type of wood waste that is generated include lumber, plywood, manufactured wood (composite panels), and treated wood. The main products made from recycled wood include biomass, compost, or mulch. It can also be recycled as wood pellets and other new wood products. Non-manufactured and non-treated wood is used to make compost and mulch. Unpainted wood is the preferred choice. The mulch can be dyed into many colors.
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Recycling construction waste is a good alternative to the existing disposal methods such as land-filling. Managing construction waste and recycling it can help save the environment and money.
New Technologies In Commercial Real Estate
ew technologies are shaping the commercial real estate market, and are changing the way clients lease, occupy, manage, interact, and use commercial real estate.
enables the brokers and clients to efficiently and seamlessly complete their operations.
Technology will have a profound impact on how commercial real estate properties are bought and sold. This will lead to a better experience for clients and brokers alike.
The biggest technological innovation in the real estate market is the application of artificial intelligence. Blending artificial intelligence with big data allows commercial real estate users to not just learn what is going on in the market, but it also tells them how to use it in the best possible way.
Advances with Tech helps cut down on the different processes that are integral to a commercial real estate transaction. This The Power Is Now Magazine
Artificial Intelligence (AI)
The high level of automation is helping the commercial real estate industry save time and money.
Augmented Reality (AR) and Virtual Reality (VR) Augmented reality technology is revolutionizing building management and maintenance. It enables you to see the status of systems as you walk through the building. Virtual reality is impacting the way offices are designed. The process of purchase and lease of a commercial real estate transaction is streamlined using advanced virtual reality tools. Prospective purchasers and tenants can experience the space in different configurations.
Big Data Big data analytics is playing a significant role in the commercial real estate market. It provides clear insight into client purchase behavior. When a broker knows clients purchase choices and preferences they will be able to market better. Identifying customers through behaviors, demographics, and interest become easy. Decision making becomes easier and it ensures optimal utilization of resources. Big data help automate most real estate processes and this increases efficiency. The technology enables owners to analyze every aspect of the property. This enables them to make
smart decisions regarding management and acquisition and disposition of the commercial real estate property.
Drones Drones are changing the way the pictures of the commercial real estate are offered for marketing. Purchasers and tenants are now demanding drone videos to gain a quick overview of the property they are interested in. The technology has made it easier to inspect and manage multiple properties.
Internet of Things This new technology is a big help when it comes to maintenance of commercial properties. The sensors at the property will enable you to know when there is an issue. This can help prevent small maintenance issues from becoming big problems. When these issues are flagged at the earliest, it helps save valuable time and money. New technologies are cutting the red tape and enabling brokers to focus on their job as a trusted adviser to purchasers and tenants. One of the biggest benefits of technology is that it eliminates inefficiencies. This saves time that is usually required to close a deal. The cutting-edge new technology platforms, enhance the ability of the commercial real estate broker to market the properties and service the clients. New technology is helping brokers and clients keep pace with the transformation that is happening in the real estate market.
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of the FAIR HOUSING ACT
his year marks 50 years of the Fair Housing Act. The Fair Housing Act of 1968 prohibited discrimination concerning the sale, rental and financing of housing based on race, religion, national origin or sex. It was originally intended as a follow-up to the Civil Rights Act of 1964, the bill was the subject of a contentious debate in the Senate, but was passed quickly by the House of Representatives in the days after the assassination of civil rights leader Martin Luther King Jr. The Fair Housing Act stands as the final great legislative achievement of the civil rights era. 3 Basic Tenets of the Anniversary To remember the inception of this particular ordinance, there would be a yearlong celebration of the 50th anniversary of the lawâ€™s creation. The commemoration will focus on three basic concepts with regards fair housing and real estate in the country.
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Acknowledgment of the Past
This year, the National Association of Realtors and its allies plan to look back and remember the lessons that history has taught us about how discrimination hurts and causes distress among Americans as a whole. Hopefully, through this look at history, people will be able to remember and prevent the events of the past from repeating itself. 2.
Provide a Better Understanding
Through the commemoration of the Fair Housing Act, it is the hope of the organization that we as a nation would be able to constantly improve when it comes to providing fair opportunities for people to have their own property in the future. This way, we will be able to build better communities and families along the way. The country will truly be a complete melting pot of cultures and nationalities as it should be.
This year, the commemoration also aims to highlight the prominent role of the National Association of Realtors in providing people with the equal opportunity to get housing despite the odds. For the past 50 years, this organization has been in the forefront of the fight against discrimination especially when it comes to real estate. The organization believes that all individuals have the right to gain a chance to have their own property someday not only for themselves, but also for their future families.
Commemorating the Event How can we as citizens participate in the commemoration of The Fair Housing Act? We can do this by simply following the steps below: We need to do our homework. To become aware of what the Fair Housing Act is all about, one needs to be aware of where it all came from. How it all started. We can only do that if a look back at our history. Fortunately, the website has a lot of resources that could provide pertinent information about the history of the Fair Housing Act and how it has positively affected countless lives right from the beginning until now. If one visits the website, he or she will earn about how to become a full fledged member of the National Association of Realtors, to help
propagate the message of fair housing for all. This way, one will not only get to inform himself about the law, but also help educate others regarding the Fair Housing Act and how it can protect the rights of others especially when it comes to getting their own property in the future. The Fair Housing Act definitely provides protection for people who would want to have the chance to live their American dream sooner rather than later. 2018 is the year to celebrate and analyze fifty years of the Fair Housing Act. Involvement and awareness come in many forms, here are some ways to do so: acknowledge our history and recognize pioneers for fair housing, obtain information about protected classes in your locality and research which agencies promote and enforce fair housing laws, seek out information about the extent to which homebuyers and tenants encounter discrimination in their housing search, and collaborate with local fair housing centers and chapters of multicultural real estate organizations. We have come a long way in fifty years, but there is still work to be done. Everyone should have equal opportunity to home ownership. If you want to learn more information about the Fair Housing Act, you should contact the National Association of Realtors. They will certainly provide you with everything that you need to know about fair housing in the United States.
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Robin Davis Realtor | CalBRE # 01971982
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Changes in Housing Practices over the Last 50 Years
here have been a lot of changes in housing since the 1960s, the advent of the fair housing act, and since Dr. King spoke at the NAREB.
But the Fair Housing Act has made a lot of changes come about. Things have improved a lot for most people. Discrimination has and will always be there, but overly, there has been significant changes.
Prior to the 1960s Prior to the 1960s and desegregation, it was very common for African Americans and other minorities to be discriminated against. This was with regards of acquiring fair and equal housing at an affordable rate. They were often relegated to poor living conditions that were substandard and in bad neighborhoods. This was largely because of the color of their skin.
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Fair Housing Act Effectiveness The FHA effectively made it illegal for landlords and tenants to discriminate on the grounds of color, gender or any other factor. Thanks to recent events and the legalization of same sex marriage, this protection extends to them as well. It also covers persons with disabilities, and even extends to any reasonable accommodations they might need in order to
been made in this regard. The availability of affordable housing has expanded significantly and more people have achieved their dream of home ownership, or even being able to move out of poor and substandard housing areas and into more affordable housing. But is this enough? Is that all that needs to be done, or is there more to do?
have reasonable access to a home. While the Fair Housing Act did not fix all the problems that existed at the time, and it did not completely eradicate the discrimination that may have existed at the time, it laid the groundwork for people to be able to have an avenue for recourse if discrimination existed. Another form of discrimination that would occur at the time, other than landlords, flat out refusing to rent or sell to persons of color was that they would significantly increase the cost of a property to make it out of reach to minorities. The Fair Housing Act also made this practice illegal. Unfortunately, we still find that most people of African American descent and other minorities are still found in
larger cities and low income areas, so there is still work to be done. While a lot of improvements have been made, we still have a long way to go before we will reach a state of true equality. It is true that thereâ€™s an equal playing ground in some of the largely populated areas, more of the suburbs or rural areas do seem to be a little bit out of reach for particular groups of people. This lends the question of whether there are improvements that could be made to the FHA, which could improve the conditions and level the playing field even more? If yes, these improvements would bring about a fair distribution in the housing policy. For more than 50 years, we have come a long way, many improvements have
Itâ€™s been 50 years since Lyndon Johnson signed the Fair Housing Act (FHA) of 1968, a landmark law passed in the aftermath of Martin Luther Kingâ€™s assassination that banned discriminatory practices in housing. The fact is that even now, there are still a fair number of pockets of substandard housing that exist in America, and many families are stuck living in those substandard housing areas because it is all that they can afford. Perhaps that will be our next area of improvement.
References: <https://www.daveramsey. com/blog/housing-trends> < h t t p s : // w w w . c u r b e d . com /2 0 1 8 / 3 / 1 3 / 1 7 1 0 1 1 4 2 / bl ack-hom eownership-fairhousing-act>
APRIL FESTIVALS IN CALIFORNIA
he month of April is associated with blossoms, spring and outdoors. In California each day of April is a celebration day with many festivals. Whether you are into art, food, music, and sports, there are a lot of things that you can do this April, to keep you in a spirited mood. The tons of festivals in California make it a must visit this April. April 1, 2018 San Francisco Union Street Easter Parade and Spring Celebration The festival has been taking place in downtown Southern California for over 20 years. An Easter Bonnet competition and an appearance from the Easter bunny make it special. The other activities include live music performances, kid’s activities and food from some of the best restaurants on Union street.
April 2, 2018 Sonoma-Mendocino Coast Whale & Jazz Festival The highly regarded jazz festival is held in Gualala, California. The festival also offers the annual Chowder Challenge.
April 3 – 7, 2018 Oakland International Film Festival The film festival promotes the independent film industry. The event offers filmmakers a platform to showcase their work and connect with the audience.
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IN COMMUNITY April 4 – 8, 2018 HollyWeb Festival The festival is a celebration of web series and online films in different genres. The festival enables online filmmakers, actors, and other artists to showcase their work.
April 5 – 8, 2018 Pebble Beach Food & Wine The festival offers an exquisite selection of wines from more than 250 wineries. 100 celebrity chefs also offer world-class meals.
April 5 – 8, 2018 Lantern Light Festival Thousands of spectators gather for the Lantern light festival to celebrate the return of spring.
April 7, 2018 Los Angeles Beer Festival Enjoy delicious food and more than 200 types of beers at the festival.
April 7 – 8, 2018 Rock ‘n’ Roll Marathon Series The two-day festival displays the latest sports apparel and gear. This is followed by a marathon event.
April 10 – 15, 2018 Sacramento State Festival of the Arts The festival features dance performances and theater arts. It showcases the talents of students at the school’s college of arts and letters.
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April 13 – 16, 2018 Stockton Cambodian Buddhist Temple New Year Celebration The cultural extravaganza celebrates the traditional Cambodian practices.
April 13 – 15, 2018 West Portal Sidewalk Fine Arts & Crafts Fair The festival enables you to discover a rich collection of photographs, paintings, and jewelry in a village like neighborhood of San Francisco.
April 14 – 15, 2018 Northern California Cherry Blossom Festival The festival celebrates the blooming of the cherry trees.
April 17 – 19, 2018 Humphreys Concerts by the Bay The summer concert boasts some of the biggest national and international touring acts in blues, pop, folk, and world music.
April 19 – 22, 2018 The Earth Day Film Festival The film festival at Pageant Theater celebrates cinema.
April 20 – 22, 2018 San Joaquin Asparagus Festival The festival highlights the healthy and delicious plants of Asparagus Alley.
IN COMMUNITY April 23 – 30, 2018 COLCOA French Film Festival The festival celebrates French movies from all genres.
April 26 – 29, 2018 NWEAMO Festival The festival showcases technological innovations in music.
April 27 – 29, 2018 Santa Maria Valley Strawberry Festival The festival celebrates the strawberry season in the Santa Maria Valley.
April 27 – 29, 2018 Ohlone “Big Time” Gathering & Pow Wow Dancers and drummers participate in the festivities for three days.
April 28, 2018 Sierra Poetry Festival The poetry performance festival takes place at Sierra College Nevada County Campus.
April 28, 2018 Porterville Iris Festival The festival ushers in the spring. Enjoy the sight of hundreds of irises fill the city with their vibrant colors.
April 28, 2018 Lincoln Wine Fest The festival celebrates wine and delicious food.
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April 28 – 29, 2018 Crossroads of the West Gun Show The festival features gun and gun goods.
April 28 – 29, 2018 Mission Federal Art Walk The neighborhood of Little Italy is filled with artwork of local artisans. The festival is the largest art collection exhibition in San Diego.
April 28 – 29, 2018 Hughson Fruit & Nut Festival The festival showcases healthy and delicious meals of the Hughson area.
April 28 – 29, 2018 Triumph Wheelchair Sports Festival The athletic event for people with disabilities celebrates the positive attitude of the participants.
April 28 – 29, 2018 Back to The Beach The music festival takes place at Huntington State Beach.
Purchase your home with just 1% down ONE MONTHâ€™S RENT COULD GET YOU INTO YOUR
You put down 1%, your lender contributes 2%*, giving you 3% equity at closing Great low rates | Close in 30 days or less | Available with no monthly mortgage insurance *2% lender contrbution may only be applied to down payment
CALL TODAY FOR THE CONVENTIONAL 1% DOWN WITH EQUITY BOOST PROGRAM
Call me for details: ERIC LAWRENCE FRAZIER MBA CA BRE: 01143484 | NMLS 461807 The Power Is Now Inc. CA BRE: 1980407 | NMLS 1435243 Website: www.thepowerisnow.com
Email: firstname.lastname@example.org Mobile: 714-361-2105 Office: 800-401-8994 ext. 703 Fax: 800-401-8994
The Power Is Now Inc., is a Mortgage Brokerage Licensed by the State of California CALBRE License #1980407 and is not affiliated with any state or federal agency. Go to www2.dre.ca.gov for verification. The Power Is Now Inc., is also licensed by the NMLS License #1435243. Go to www.nmlsconsumeraccess.org for verification. The Power Is Now Inc., is an equal housing lender. Our corporate office is located at: 379 6th Street Riverside, CA 92501. Telephone and Fax: 800-401-8994. Eric Lawrence Frazier, MBA is a California Licensed Loan Originator NMLS# 461807. This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or data is subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states.
5 Tips For
Spring Gardening Beginners
pring is finally here. Long gone are the cold winter months and life seems to start anew. As the days become longer and the weather gets warmer, many of us wonder what to do with our lawns. Taking advantage that most plants and weeds have perished from the cold, spring is the perfect opportunity to do a makeover or to plan a garden from scratch. However, even if you are an expert landscaper or complete beginner, if you want to have a mature garden by the end of the season you need to take the right steps. Although, It might seem like a daunting task, following these tips can make your garden the envy of the neighborhood.
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Plan your garden.
Before any flower blooms, you first need to know what you want to plant. Whether you would like to grow your own vegetables, have a picturesque array of flowers or beautiful perennial plants that can withstand harsh weather, you need to plan ahead. There are many things to take into account. Not all vegetables grow at the same time or require the same care; lettuce is a great place to start, but tomatoes are more delicate. Flowers can bloom at different time and you need to consider what shades of green you want. Once you have made your choice, it is best to start small. Do not go full scale and change your whole lawn. Try with a small plot of land and, if you are successful, move on to a different area.
Prepare the soil.
What to do next
As soon as you have finished planting, you need to start watering for at least 20 min a day until the plants spring. If you donâ€™t water constantly your seed will remain dry and not flower. You may also think about adding some mulch to protect and nourish your plants. This will prevent the growth of weeds the spread of diseases. Make sure to add mulch a few inches away from the roots to prevent rotting. Soil is the most important part of your garden. If you donâ€™t prepare it correctly you might lose of your time and effort and all your work would be in vain. There many thing to take into consideration, whether it is best to dig or not, check if your soil is missing any nutrients or check for PH-levels. Since it is best to wait for mid-April or early May to avoid any unexpected frost or late snow that could harm your plants. You could use this time to test your soil and find out what it needs. That way you will know what the most suitable plants for your project are. 3. Plant Depending of what you have decided to plant, you need to do it at a specified time of the year. Plants such as kale and pansies can tolerate the cold so you can still plant them in late winter. However, tomatoes and daylilies have to be planted once there is no risk of frost. You need to also consider whether you want to plant seeds or use transplants. Sunflowers and lettuce can easily spring from seeds. However, if you feel less adventurous or want to start right away it is better to buy some plants from a nursery. If you choose the latter be careful not to choose plants with yellow leaves or that are already in bloom as they might not last the whole season.
Maintaining your garden
As the season progresses, there are a few extra steps to consider if you are looking for a healthy garden. A great idea is to start a compost pile by using organic materials, plant debris and leaves. You can also it with some earth as used coffee from the coffee maker. Once is has gained a black or brownish color, you could use it to provide your garden with extra nutrients or to prepare for next year. Also, make sure to trim and prune your plants. Water constantly if there is not much rain. You may also consider adding new flower beds and plant annuals or more perennials to add different shades of green. By following some of the tips and with some trail and error my adjusting to what your plants needs you will a beautiful garden by the end of spring and one that will flourish late into the summer.
Make sure to add fertilizer to your soil or add a 4 in layer of compost to guarantee that your plants will have all the nutrients they need. www.thepinmagazine.com
Trends for Sustainable
Homes In 2018
lobal Warming is becoming an ever serious threat by the day and as this happens we are gaining awareness of the negative impact that we cause to our planet. Eco-friendly sustainable homes seems to have the answer to this dreadful situation. Designers, architects, and construction workers are considering ways of building homes that consume less energy, use recycled materials, and generate less waste. As such, sustainability concept of dealing with Global Warming does not mean using less air conditioning, installing solar panels, or living in a cabin in the middle of the woods. It means focusing on saving the environment, and also satisfying the needs and comfort of the modernday society. This is with the view that people demand the most efficient ways possible given that there new emerging trends every year. Resilient materials
The year 2017 was a highly active hurricane season, more to that, the fires that devastated large portions of homes in California has been a significant lesson to many. These two events have made people aware of the impact home destruction can cause to the environment due to the pollutants released to the air and water supplies. To tackle this issue, many people, including architects and construction workers have started to look for more resistant materials to avoid home loss and soil pollution. A great example are hurricane proof modular homes, which cost less and use more Eco-friendly materials.
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Buildings and homes account for more than 70% of energy consumption and 40% CO2 emissions in the US. As a counter measure, lawmakers and construction workers are trying to look for a solution by building homes that require less energy. In fact, by 2020 all new construction projects in California must be zero-net-energy meaning that new homes and buildings must use the same or even less energy that they can produce.
A prime example of what the future holds is Casa Aguila in Southern California. After the destruction of their home in 2007, Pete Beauregard and Amy McQuillan, asked architect Andrew Wilt to help them build a selfsustainable home. The result is a home that uses 100% renewable rainwater, solar panels, wind turbines and 40 kW batteries to be completely off the grid and be self-sufficient. This is proof beyond reasonable doubt that sustainable homes and living can be achieved. 66
Another emerging trend is rooftop gardens and outdoor plants for decoration. Adding greenery not only help embellish homes, but also helps reduce carbon footprint by a great margin. Copenhagen for example, is set to be CO2 emissions free by 2025. One way it hopes to achieve this is by making green roof mandatory in city buildings.
Interior gardening also provides great benefits aside from helping the environment. Homes spaces filled with plants can help lead a healthier lifestyle. Plants help improve indoor air quality and provide a more relaxing atmosphere. https://www.youtube.com/watch?v=jJpFKwTHGZc
Making use of natural light.
New homeowners and designers have also become aware of the need and usefulness of natural light. The use of open windows and space, as well as, skylights can greatly increase the exposure to sunlight. This has so many benefits including health benefits as well, making the place seem larger and more spacious. New trends for the year 2018 include open-floor plants, high ceilings and open trusses. These features along with many more can help reduce the need for artificial lighting and air conditioning.
Many of the concerns over sustainable homes is the pricing. While solar panels car help reduce the electric bill in the long run, investing in them directly can be quite hefty at the beginning. Perhaps, due to persistent stereotype and perception that sustainable Eco-friendly homes is something only the upper-middle class can afford, many new companies are focusing in providing elegant sustainable homes at low prices.
A great example of Prefab Eco-friendly affordable homes can be found in Vallejo, California. Blu Homes offers homes range from 633 to 3,600 sq. ft. The homes feature high ceilings, large glass windows that utilize natural light and are built with as much as non-toxic materials as possible There a still many other trends and Eco-friendly approaches for homes construction out there. As more people become aware of their impact in the environments and the consequences of global warming, there is a shift towards sustainability with the set goal that in the future homes can produce as much energy and resources as they consume.
OFFERED AT $55,500
CalBRE # 01988009 Phone: (800) 401-8994 x 717 Direct: (707) 814-5457 email@example.com www.thepowerisnow.com
CalBRE # 01987453 Phone: (800) 401-8994 x 753 Direct: (707) 494-2028 firstname.lastname@example.org www.thepowerisnow.com
11733 Rose Anderson Rd Middletown 95461 Bring plans for your dream home in the Historic Anderson Springs Community that is thriving and rebuilding! This oversized corner lot is ready for construction. Never developed with healthy, mature trees remaining after the fire. Community sewer hook-up service is already accounted for when new system is operational, water connection is in place. Within a short distance for a nature walk to the spring which runs through the community or to the clubhouse/pool. Owner may be willing to sell adjacent lot to expand your estate, which has a septic system in place.
19734 Park Hill Rd | Middletown 95467
BRING YOUR PLANS, CAMP GEAR and GOLF CLUBS to build your lovely private estate w/ possible in-law unit! These combine lots (141-461-04 and 141-461-03, must be sold together) total .65 acres of never developed land in the exclusive community of Hidden Valley Lake. The land is situated centered on a short street with a panoramic view of Cobb Mountain and Mt. Saint Helena. Mature trees provide a canopy of shade.The community hosts lots of special features such as a community center, horse trails and a KOA campground. Located a short distance to the 18hole golf course/ Pro Shop, shopping center and the historic community of Middletown, situated at the southern Gateway to Lake County. Hidden Valley Lake is a reasonable commute to the Bay Area, Napa and/or Sonoma Counties to the south or Colusa and Yolo Counties to the North. Soil analyses on file, water hookup, electricity, cable and phone are available.
CalBRE # 01988009 Phone: (800) 401-8994 x 717 Direct: (707) 814-5457 email@example.com www.thepowerisnow.com
CalBRE # 01987453 Phone: (800) 401-8994 x 753 Direct: (707) 494-2028 firstname.lastname@example.org www.thepowerisnow.com
Stop Being an Invisible Real Estate Agent
real estate agent is an ideal transaction rights custodian on behalf of the seller and the buyer during the buying and selling of a home or a piece of property and all that is on the property, ranging from buildings to vegetation and so on. The success of the real estate agent as a professional is often determined by the bond between the agent and their clients, the word of mouth their old clients spread to the aspiring buyers and the network among different agents. In the digital era, Technology plays a significant role in how this process plays out. The real estate profession can pay well, but it is all going to depend on the relationship between agent and client, defying the qualities above of a qualified real estate agent leads to unavailability and inaccessibility by clients. The following factors could lead to the death of real estate agent professional and will also help you learn how to avoid it.
A Negative Legacy from Old Clients The gospel that old clients spread to the mainstream society plays a significant role in shaping and securing oneâ€™s profession. A negative legacy bears a negative product while a positive legacy has sweet and enjoyable fruits. Negative legacy repels potential clients from doing business with the mentioned agent.
Reachability through Social Platforms Technology has played a significant role in linking the buyer and the agent through platforms such as WhatsApp, Twitter, Facebook and many more social platforms. Technology has played a role since through them, a client can receive data about a property they are interested in buying through images and video records that are shared in real time and portrays the property in its real and natural state. Due to the distance between the agent and clients (either can be located anywhere) the inability of the client to operate this social platform limits access to a variety of deals for the client.
Networking among Agents A vast and productive network among the agents creates a conducive environment such that one may benefit from other agentsâ€™ expertise and knowledge. This is most beneficial in a situation where an agent has a client who wants a property a specific type of property, and that particular agent does not have the specified property. That agent may then link a client to another agent who has such a property.
Availability and Work ethic The first question that an aspiring agent needs to ask themselves is, am I ready to work for 24 hours a day, 7 days
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a week? The answer to this question is the exact reflection of what one earns as their net monthly salary. Bearing in mind that agent gathers their salary as a result of accumulative commissions earned from different clients, for one to earn a sustaining pay they need to work extra smart and without waste of any single second.
Interaction with Mainstream Society An agent needs to have a superb relationship with their society, men and women as well as their neighbors since they are the same as their clients or they may link buyers to them depending on the kind of relationship they have. This relationship is affected by one question that an agent needs to ask them; Do I like people? If no, another question comes in, can I behave like I like them? Language That One Uses With Clients The language that some agents approach clients with will determine the acceptance society will give you as an agent and whether they are proud to have you serve them as their agent. This comes hand in hand with the trust they offer you about sales transactions. If one has an abusive language that does not distinguish the age, gender and some other facts about clients, they are most probably going to fail in the career of a real estate agent. The language that one accords their clients reflects the degree of trust the client will accord the agent while working with them. Real estate agents professionalism is determined by a wide range of factors that change from agent to client, agent to agent and clients to clients. In case the three factors do not come to a consensus, then the career does not pay as expected. For one to defy the odds of invisibility as an agent, they should focus on the above-explained factors from a positive perspective without neglect of any party player or under-looking them.
References: https://www.thebal ance.com/becoming-areal-estate-agent-tips-2866404 http://www.inman.com/2015/08/06/9-tipsfor-becoming-a-successful-real-estate-agent/
Home improvement shows you can broadcast on
ave you always wanted to improve the quality and beauty of your home? Or perhaps do you have a property that investors have written off? Have you even given up hope that nothing can be done about it? Donâ€™t throw in the towel just yet! Home improvement shows that promise to give life and beauty to your home beckons to you on Netflix. Watch the impossible become possible, and see how your jaws drop in awe as unbelievable transformations are brought to you at your convenience. Without further ado, sit back, relax and stream some mind blowing home improvement shows on Netflix. You live in what? Can dilapidated commercial spaces be transformed into unique homes? This show answers your questions. Meet Tony Frassrand and Tom Creehan as they define what you live in. From an ice cream factory or what have you, to a home, these undaunted visionaries believe that everything is possible in the home improvement world. Watch as imagination, vigor and authenticity are put to play to bring about affordable transformation. This HGTV series premiered in 2012 and had three seasons, which are available on Netflix.
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Small Space, Big Style You can still have your desired dream home irrespective of space constraints! This show brings you the good news that you can get all you want with the little you have. You donâ€™t have to leave your beloved neighborhood or leave that property lying fallow. Small Space, Big Style shows you how to make the most out of limited spaces, optimizing every square foot you have to work with. This series started in 2006 and aired for five seasons. There are currently 25 episodes available for streaming on Netflix.
Extreme Homes Have you seen houses, taking the form of musical instruments or were shaped like animals? Have you ever fantasized living in a shoe or have homes located on rocks and seas? If you are looking for something you have never seen before, check out extreme homes. These homes are built in any shape or form imaginable. You can live anywhere you desire, put fuel to the fire of your imagination! Extreme homes promise fascinating and jaw dropping houses. These homeowners have thought outside the box to create one-of-akind living space. The first episode of the series was in 1996 and aired for five seasons, which are available for streaming on Netflix.
IN YOU Property Brothers Follow the identical twin brothers as they transform worthless old houses and properties into a desirable homes. Watch as Drew Scott convince their clients into buying old, neglected houses and Jonathan performs a miracle on these homes as they become renovated to taste. With the Property Brothers, you get to see a miniature model of what the new house is going to look like. Thus, helping you make the hard decisions and making sure you know if the risk is really worth taking. The first episode of the series was in 2011, and aired for six seasons and 136 episodes which are available for streaming on Netflix.
Tiny House Builders With tiny house builders, you can get a comfortable home in less than a week! With creativity and imagination and of course affordability in mind, watch how tiny retirement homes, studios and other types of cute abodes are brought to life. The simplicity of these houses and their facilities will suit your purpose, if you desire to stay in a cozy little apartment. The series lasted only two episodes which are available on Netflix. Have you been meaning to hang that frame? Or fix that hole in the wall? Or paint over Peteâ€™s eyesore of a mural from the last painting party you threw? Oh, Pete. Sometimes you just need a little inspiration to get motivated and actually do all the things youâ€™ve been meaning to accomplish around the homestead. Well, look no further than Netflix streaming for your home improvement series fix.
References: https://www.popsugar.com/home/Home-Improvement-Shows-Netflix-2017-43861713 https://decider.com/2016/01/29/hgtv-home-improvement-shows-netflix/
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The Power Is Now Mortgage Services is a Mortgage Brokerage licensed by the State of California Bureau of Real Estate (license #1980407) and the National Mortgage License System and Registry (license #1435243), and is a division of The Power Is Now Inc. (license # 01980407). The Power Is Now Inc. is not affiliated with any state or federal agency. The Power Is Now Real Estate Services is also licensed by the State of California Bureau of Real Estate (licensed #01980407), and is a division of The Power Is Now Inc. The Power Is Now Inc., is an equal housing lender.Our corporate office is located at 3739 6th Street Riverside, CA 92501. Our Telephone and Fax number is 800-401-8994. Eric Lawrence Frazier MBA, is a California licensed Loan Originator (NMLS license # 461807), and a licensed Real Estate Broker (CA Bureau of Real Estate license #01143484). Restrictions may apply to all loan programs. The Information and/or data is subject to change without notice. All loans are subject to credit approval. The information presented is not a commitment to lend or extend credit. Not all loans or products are available in all states. The Power Is Now Mortgage Services and Real Estate Services are A Division of The Power Is Now Inc., and are only licensed to conduct business in the State of California.
Home Ownership Home ownership brings stability to individuals and families who have never had a dwelling place that they could call their own. There is something special about owning real estate that is unlike anything else on earth you can own. Real Estate you own is not like cars that decay over time and you have to replace them. Real Estate you own is not like clothes that go out of style and you have to buy new ones. Real Estate you own is not like expensive vacations or experiences that only last a moment in time. Real Estate you own is not like an apartment where the landlord may increase the rent until it’s no longer affordable. Real Estate you own is not like staying at your parents house where you know can’t stay forever. Home ownership is the beginning of wealth that increases over time and becomes your estate & legacy Home ownership is the pride of a mother nurturer and the kitchen her domain Home ownership is the pride of a father provider and protector of his territory and family. Home ownership is the foundation of permanence and the place where life happens, birthdays celebrated, deaths mourned. Home ownership is the place you build memories that can never be taken from you. Memories etched in walls and concrete, experienced in rooms and floors, Memories living in trees and shrubs planted by your hand. Howe ownership is the manifestation of you - your style, your colors, your smell, your stuff, your junk, your memories, your yard and your spaces, your life. It’s the height markers on your first child’s bedroom wall. It’s the hearts drawn in the concrete slabs when you pour your patio floor It’s the birthday parties, and anniversaries in the living room and kitchen. It’s the back yard barbecue with friends, neighbors and family contentions it’s the high school and college graduation, and wedding receptions Its’ the family nights and block parties and the fellowship of family connections Home ownership It’s more than real estate. Land, brick and mortar, wood frame construction and chicken wire. It’s more than money saved, gifts recieved and grants obtained It’s more than the debt you incur to buy it. It’s more than the payments you make to own it. It’s more than the appreciation that comes with keeping it over time. It’s memories, it’s family, and it’s life that can happen in one place Until you say it’s time to move.
By Eric Lawrence Frazier MBA CA BRE 01143484 | NMLS 461807
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