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That’s Debatable – Affordable Housing, Manufactured Homes, Trillion$ Await

December 16th, 2017 No comments

It was 15 years ago, but back then, MHI was correct to quote Harvard’s Eric Belsky.

MultipleReasonsExpectManufacturedHousingDoBetterThanSiteBuiltHousingEricBelskyEecDirJointCenterHousingStudiesHarvardUnivDailyBusinessNewsMHProNewsWhat happened to Belsky’s prediction, that kept manufactured housing from reaching its promised potential?

That’s debatable.

ThatsDebatableAffordableHousingManufacturedHomesTrillionsAwaitMastheadIndustryCommentaryMHProNews

 

We outlined in a cross-referenced, fact-based analysis and commentary part of what allegedly happened to the then-and-now potential for federally regulated, HUD Code manufactured homes to meet America’s affordable housing needs in the “Smoking Gun” report linked below.

4 Sentence Executive Summary of “Smoking Gun

Warren Buffett’s customary reading and research led Berkshire-Hathaway to buy up Clayton Homes, Vanderbilt, 21st, Oakwood, and other manufactured home connected businesses.  Using MHI as a chosen vehicle, they took a series of steps that arguably benefited their operations, often at the expense of numerous others.

Want evidence and reasoning to support that claim?

—> See the 21st Mortgage Corporation document -part of the “Smoking Gun” report and analysis – linked above.

Warren Buffett’s Famous “Perverse” Quote, Applied to Manufactured Housing

In “Perverse,” 3 Buffett Quotes are applied to manufactured housing.  ExecSummary? ‘He doesn’t think the industry will change, so he’ll win?’

WarrenBuffettQuotesPeverseEasyThingsDifficultChainsHabitLearnFromHistoryPeopleDontLearnFromHistoryManufacturedHousingMHI-MHProNews

“Perverse”–Warren Buffett-Dodd-Frank, CFPB, Manufactured Housing, Loans, Independent Businesses Fact Check$

We looked recently at what Buffett and his successor fear.  ExecSummary? A breakup.

Who Will Replace Warren Buffett at Berkshire Hathaway? Expert Insights, Video & Manufactured Home Industry Outlook

We’ve also spotlighted the growing signals from the Trump Administration that the 45th president is eyeing anti-trust – read anti-monopoly – actions.

Based on prior reports on what Buffett fears – a Berkshire Hathaway breakup – is there any reason to think that Buffet’s empire – including Clayton – isn’t in the president’s cross-hairs?

President Raises the M-Word, “Monopoly,” Plus Manufactured Housing Industry Market Update$

The time to discover and debate replacing the Manufactured Housing Institute, should be engaged in now.

A third-party report on that subject is teed up from the Daily Business News item, linked below.

Study Recommending New Manufactured Housing Association for Independent Retailers, Communities, Lenders, Others Released

You can find the Manufactured Housing Association for Regulatory Reform’s (MHARR) detailed report on the need for a post-production association, linked below.

http://mhpronews.com/industry-news/mharr-news/mharr-releases-study-recommending-independent-collective-representation-for-post-production-sector

MH Debates, Discussions and…

At Tunica in 2017, we invited the Manufactured Housing Institute (MHI) to join the discussion – debate, if you will – the issue of media engagement, and their (in)effectiveness in that realm.  MHI’s PR person ducked out.

Frank Rolfe said yes.

That led to the following.

Frank Rolfe: Pressured into Silence? Manufactured Housing Industry, and Journalism

At Deadwood in 2017, Rick Robinson had the perfect opportunity to prove in front of dozens of industry professionals why what they’ve done is so brilliant, and why MHARR, this writer, MHProNews and other critics of theirs are all so wrong.

MHISrVPRickRobinsonManufacturedHousingInstituteLogoGenCounselMHProNews657

Robinson ducked in front of dozens.

I’m inviting – challenging MHI – to a public debate/discussion at Louisville, to be video recorded.  Video would allow the entire industry – and all other interested parties – to see and learn from the discussion/debate.

WithoutDebateWithoutCritismNoAdminNoCoutnryCansucceedNoRepublicCanSurviveJohnFKennedyManufacturedHousingIndustryMastheadCommentaryMHProNews

MHI’s own actions convinced me of several things.

Line those actions up – using Marty Lavin’s logic – with the money.  Doesn’t it lead you to the same places that Dems and Republicans alike have discovered about Berkshire Hathaway/Clayton Homes/VMF/21st hold over MHI, and the industry?

FollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNew

Marty Lavin Lashes the Manufactured Housing Institute’s (MHI) Latest Initiative

Debate is useful.

Scholars, and thinkers debate.

Business and investment professionals in their board rooms debate.

Politicians (sort of) debate.

Let’s be blunt. MHI to date has lacked the confidence to debate their true performance. They’ve had other opportunities. Do they really want the industry to starkly see what has been taking place in recent years? Would it embarrass them, and their string pullers? “We Provide, You Decide.” ©

Why not a great debate on the trillions in opportunities that could flow to factory-home builders, much of it to HUD Code builders?

NAR’s Yun – No Quick Fixes Spell$ Manufactured Housing Opportunitie$

The Yun Report demonstrates what we’ve said for years. There are trillions in opportunities in MH, but only for those willing to step out of the chains of the past into the bright opportunities of tomorrow.

Manufactured Housing Monday Morning Sales Meeting: Finance & Industry Facts, Figures, Sales Tip$ Improving Best Practice$

That will be a focus on the next, popular – Monday Morning Sales Meeting.

NewManufacturedHousing1trillion9PercentNew1percentExistingHomeSales2016CreditManufacturedHousingIndustryMHProNews

In some 600 words, you now have a link-laced snapshot of what third-parties and this writer believes is the truth is about the manufactured housing industry potential.  What successful pros are doing to grow at significantly faster rate than Clayton and Cavco.

WarrenBuffettQuotesPeverseEasyThingsDifficultChainsHabitLearnFromHistoryPeopleDontLearnFromHistoryManufacturedHousingMHI-MHProNews

You also now know what Mr. Buffett is counting on – inaction – that keeps most of the industry from enjoying the fruits of those opportunities.

Trends in MH Communities, Impacting Producers; Looming Crash?

Failure to act, will have consequences for still more independent producers, retailers and communities, as the link above demonstrates.

MHI?  Louisville Debate date/time, please?

How about the afternoon before the event begins? “We Provide, You Decide.” ## (Editorial commentary, analysis, opinion, news, fact-checks, manufactured housing.)

LATonyKovachPresentingStateConvDeadwoodSDKenCorbinCommentManufacturedHousingIndustryEventDailyBusinessNewsMHProNews

L. A. “Tony” Kovach presenting to a packed house.

L. A. “Tony” Kovach 
MHLivingNews.com
 MHProNews.com |
Office 863-213-4090 |


Whether you think you can or whether you think you can’t, you’re right. “
– Henry Ford

 

Freedom and Tensions, Millennials and Socialsm

December 6th, 2017 No comments

There is Value to Understanding News from Manufactured Housing Industry Perspectives.

There is also value to taking a long-term, principle-based educational perspective.

TheSpiritOfTruthSpitiofFreedomPillarssocietyIbsenFreedomTensionsMillenialsSocialism

There are Tensions today between the notions of Freedom and Boundaries 

None are more hopelessly enslaved than those who falsely believe they are free.” – Johann Wolfgang von Goethe.

We’ll return Goethe’s pithy pensée later.

Words, and laws have meaning and value to the precise degree that they are accurate, just, clearly understood, and equally applied, without favoritism.

Government, people, and power in all human forms requires boundaries.

You may wish to be a bird, but you aren’t one. It may not be hip among some, but boundaries of identity – as determined by reality – are what defines something. 

Troubling Trends

The study we reported below tells us that Millennials today are a more prone to support socialism than the free enterprise system.

Influencing the Socialists in Your Office, the Best Way Out of Poverty

If true, that means they don’t know history well, because socialism has always failed, while free enterprise has lifted millions out of poverty.

When one person seeks to take from another by force, threat, or deception what another has lawfully, honestly gained – then that wronged person, and that society, suffer.

Law alone can never limit bad behavior. It’s said that America has a million total laws on the books at the state, local, or the federal levels. Are we crime free as a result of all those regulations and laws? Clearly, not.

Words are the new weapons. Satellites the new artillery.” – is a line from a James Bond, 007 movie, Tomorrow Never Dies.   Elliot Carver is the archenemy of Bond in the tale. Carver is a media mogul who manipulates the news, and governments, through his considerable wealth to his advantage.  Consider that bit of social commentary, 2 decades ahead of our time.

Then consider the top ten American corporations, and how several of them are using their wealth and power to manipulate news, information (internet/education), and governments to their advantage. Are they a threat to your freedom? Your business?  Your fellow workers, home owners, and prospects?

The Top 10 American Corporations, Manufactured Homes, and PreFab Housing

Dodd-Frank

Dodd-Frank made by an unjust decree ‘illegal’ what previously was free speech.  It did so in the form of the so-called MLO rule. The MLO rule muzzled sales people from discussing credit and credit terms. What a realtor or car dealer could do, a manufactured home pro no longer could?  How was that fair or just?

Perhaps in hindsight, the MH industry’s lenders, retailers, and communities should have sued immediately. The MLO rule was a clear violation of free speech. I said as much in an MHI Financial Services Committee meeting, several years ago.  The reply from the then chairman to me and the room? You are right, but we will pursue this current course of action first.

Years later, Preserving Access is still being pursued. And it was later learned that the MLO rule, which harmed everyone, including consumers could have been ended by agreement between the so-called nonprofits in a deal with the CFPB, in the exchange for MHI not to chasing the points and fees rule modification.

That’s another story, for another time.  But the fact that lawsuits can change unjust laws, click the article linked below.

“Mobile Home Ban” Suit Win, “Equal Justice Under Law,” Manufactured Home Owners, Buyers, Industry

What’s Wrong is that We Don’t Ask What’s Right.” – G.K. Chesterton.

 

WhatsWrongIsThatWeDontAskWhatsRightGKChestertonQuoteMastheadBlogMHIndustryCommentaryMHProNews

Image by MHProNews.com

However well intended, the foundational problems with Dodd-Frank or ObamaCare were that they violated constitutional principles. Neither massive program worked as promised. Isn’t that a lesson in itself?  A giant takeaway for our industry, and the nation too?

Socialism and secular humanism have repeatedly failed. What big government program can you point to that is a roaring success? Where can you find a program that doesn’t have waste, fraud, abuse, or corruption? 

“Fiscal Carnage,” “Calamitous Economic Hole”  Decried by Citizens Advocacy Group

We can’t make governments our gods. Those governments are made up of fallible people.  Let God be our God, because humans or AI/robotic intelligence would screw it up every time. 

GovernmentIsNotReasonItIsNotEloquenceItIsForceLikeFireItIsAFearfulServantDangerousMaster-GeorgeWashington-image-wikicommons-poster(c)MHProNews-com-

Credits WikiCommons and MHProNews.

Government isn’t necessarily evil, but it must be controlled.  That’s what history teaches us. That’s why the founders, imperfect as they were, limited the scope and power of government.

OfAllDispositionsHabitsPoloticalProspertityReligionMoralityIndispensable-GeorgeWashington-pic=WikiCommons-postedMHProNews-

The founders weren’t perfect either, but their genius was a clearer sense of history, morality, God and reason.

That’s why the limits the founders wanted for government are every bit as important now, as then.

NoneAreMoreHopelesslyEnslavedThanThoseWhoFalselyBelieveTheyAreFreeJohannWolfgangVonGeotheMastheadMHProNews

Our tax and regulatory systems today have become terribly corrupted. That corruption and waste have limited our opportunities, and freedom.

CostofRegulations12000PerPerson4Trillion-credit-GeorgeMasonUniversity-PostedMastheadBlogMHProNews-

That reads 4 Trillion dollars cost to our economy, and frankly it isn’t just a Democraticly caused problem, because the Bush Administration also created plenty of costly regulations too.

Democratic President John F. Kennedy supported tax cuts. So did Republican President Ronald Reagan. Both successfully worked to spur the economy, and create jobs. After an initial dip, more federal revenue came in.  Its common sense. People respond to rewards.  People and organizations also respond to punishments and penalties, often by dodging them.

America, over the course of more than a century, has slowly allowed the federal government to slip its constitutionally defined limits.  Its happened slowly, over time.  Like a pot of water, here the temperature is being slowly heated, it may not be noticeable at the moment.  It is only through hindsight that we see the trends. We must be people of principle, willing to learn, work, struggle, and fight for what’s right day-by-day. 

Much of that struggle is simply education. 

Monday Morning Sales Meeting, What Warren Buffett & President Donald Trump Profitably Agree On

Don’t wait for someone else to do it. You must be part of the change, or else you are part of the problem. 

Reach out to that misinformed person in your office, and step by step, help them see the light.  We have the articles and vidoes that help you do just that, but you must get that ball started. 

That’s the value of MH “Industry News, Tips, and Views That Pros Can Use.” © That’s the value of news told through the perspective of the manufactured home industry professional. 

From the giants to the mid-sized and the mom-and-pop shops, thousands do the following. To get others on our industry- leading headline news/updates – typically sent twice weekly – please click here to sign up in just seconds. ## (Commentary, analysis, events.)

 

LATonyKovachPresentingStateConvDeadwoodSDKenCorbinCommentManufacturedHousingIndustryEventDailyBusinessNewsMHProNews

L. A. “Tony” Kovach presenting to a packed house.

L. A. “Tony” Kovach
MHLivingNews.com
 MHProNews.com |
Office 863-213-4090 |
“Whether you think you can or whether you think you can’t, you’re right.
– Henry Ford


 

Andy Gallagher, “Ousting” Pam Danner, MHI, Clayton’s RVP, WVHI – “Transparency”

November 13th, 2017 No comments

First, the readers digest version, then the details. Last week, the WVHI sent out their newsletter with a column apparently written by their co-president, George Gunnell.  Gunnell is an RVP for Clayton Homes.  That article and others in the same newsletter indicated that MHI wanted Pam Danner ousted from her role at HUD.

That’s not an uncommon position among MHI, MHARR or other industry members, as the WVHI said and suggested themselves in the same newsletter.

So why has that WVHI newsletter erupted into an industry controversy?  Why are some saying, heads will roll because of that?

We’ll examine that and the related, step-by-step, below.

TransparencyMastheadBlogManufacturedHousingIndustryMastheadCommentaryMHProNews

Apparently,” written by Gunnell because hours after we published our report that spotlighted and quoted the WVHI statements –

  • a call,
  • texts
  • and emails came in from WVHI’s award-winning,
  • and widely-liked executive director, Andy Gallagher.

George Gunnell, WVMHI, Citing FMHA’s Jim Ayotte, Says HUD’s Pam Danner Must Go

Most of those statements were made off the record, which we honor.

AndyGallagherRunMyStatementWVHI-MastheadCommentaryMHProNewsMHProNews

andy-gallagher-executive-director-west-virginia-manufactured-housing-association-louisville-2014-industry-voices-mhpronews0com-55x55

Andy Gallagher is an award winning, and respected state Assoc.  executive.

But part of what Gallagher sent – at his texted request makes clear – Andy asked me personally to publish.

Per that statement, as shown below.

AndyGallagherExecDirectorWVHIWestVirginiaHousingInstituteManufacturedHousingInstituteMHIMastheadBlogMHProNews

As you see, Andy said,

IReportMHNewsTips@MHMSM-comMHProNews (1)I’m not saying you [Tony/MHProNews’] are the bad guy.”

I’m just saying clearly and I think you should reflect this in your writing:”

Happy to, Andy. All of that – and more – we’re hereby doing as requested.  Because we don’t want Gallagher or anyone else to feel unfair pressure.

Further, editorially this writer believes the question needs to be asked: why should award-winning Andy’s job be at risk?

Or for that matter, Clayton’s RVP, George Gunnell’s job?

Gallagher, Jennison, Others…

It should be noted that Gallagher, per sources, worked in journalism in years gone by.

If so, then Gallagher knows the rules of the road, knows English, understands ghost writing, etc.  By the way, ghost writing and pen names are both commonplace in publishing.

GhostWriterDefinedPostedMastheadBlogMHProNews

Famous people have used pen names and/or had ghost writers.  For example Mark Twain was actually Samuel Clemens.

MarkTwainSamuelClemnsWikipediaMastheadBlogMHproNews

An MHI source told MHProNews that Richard “Dick” Jennison reportedly paid $1500 to Bruce Savage to ghost write Jennison’s brief address to the RV MH Hall of Fame a few years back.

Ghost writing happens.

It happens, and should not necessarily be construed as something wrong.  It can be a perfectly fine pratice.

Asking to Pull our Report to the Industry…

A source connected with ties to MHI and the WVHI – perhaps due to some fear and/or pressure – wanted to see the Daily Business News story killed.

Please pull it.’

As a matter of policy, MHProNews will correct an error, or will clarify a story.

But we don’t pull a news story. Many in mainstream media have a similar policy. That ‘don’t pull a story’ policy exists for several reasons.  That’s a check on us, and on others too.  We strive to make a story accurate before publishing, we quote and cite sources as needed, and we strive to follow the standards that good journalistic practices aspire to meet.

Besides – even if we didn’t have the don’t pull a story policy – wouldn’t they have to ‘pull’ the stories in the WVHI newsletter?  How do you pull something – namely, the WVHI newsletter – that’s already been emailed out to dozens of professionals?

OustPamDannerStoryLinkedGeorgeGunnellCo-PresidentMHProNewsMastheadCommentaryMHProNews

Notice: Andy Gallagher says Gunnell didn’t write this column, that Gallagher did. The red-boxed information points to both the Jim Ayotte article on page 3, but also the other story that points to ‘ousting’ Pam Danner.

MHProNews policy…while we do some things differently than AP Stylebook suggests (like showing quotes in dark brown text, we’re close on the ideals for a trade publisher).  We’ll also cop a plea to periodic typos. But by trying to get the facts and sources accurately reflected, we’ve built a reputation that makes us the most read – from operations large, medium to mom-and-pop – in the entire manufactured home industry.

Thousands come daily. Readers routinely sign up for our emailed news updates, at this link here.

In short, while not everyone likes every article, quote or comment, we’re #1 by a country mile in this industry’s trade media.

We invite other points of view.  When we disagree or disagree with MHI, we routinely invite them to comment, and/or quote from their own published statements.  We say allegation when that term applies, etc., etc.  That’s fair and balanced.

Here are the facts, here are the concerns, here are the allegations. Then, “We Provide, You Decide.” ©

WestVirginiaHousingInstituteWVHImanufacturedhousingindustryWVManufacturedHousingInstitutePamDannerLesliGooch

Fair and balanced.

‘If You Won’t Kill It, Please Re-Write it’

Then, a source asked the Masthead’s writer (me, as MHProNews’ publisher) to re-write the story.

At that point, I personally reviewed all that we knew directly from:

  • other sources that addressed us directly,
  • what I knew first-hand experience at the MHI San Antonio meeting – what members told me directly,
  • what was known from MHI at that point in time from their own communiques to their members,
  • and then finally, from what the WVHI published.

Award-Winning MHI Retailer Regarding HUD Objectives, Pam Danner, Needed Changes

We also looked at MHARR’s consistent position again, summarized in the over 2 dozen reasons why Pam Danner needed to be removed from her current role.

Setting aside who authored Gunnell’s column, the bottom-line is this.

What WVHI published was consistent with the thrust of what we quoted on the Daily Business News and heard from other sources in our MHProNews report, linked above and also linked here.

So why doesn’t MHI just behave in a transparent way?  Instead of trying to get others to change something, why don’t they just speak for themselves?

Why are they making it so difficult for their own members to know what the Arlington, VA based trade association REALLY believes regarding Danner?

Ducking for Months

MHI has officially ducked for months on the question of their supporting Pam Danner’s removal as the administrator of the Office of Manufactured Housing at HUD.

Publicly in Deadwood, SD – in front of dozens of industry professionals – MHI General Counsel and Senior Vice President, Rick Robinson ducked questions on the Danner issue.  Ditto Preserving Access, and other issues relating to the association’s positions and performance.

RickRobinsonTonyIWillNotBeTakingQuestionsFromThePressMastheadBlogDailyBusinessNewsMHProNews

Transparency, Please?

MHInoReportersJournalistsSignManufacturedHousingInstituteMHILogoPhotoByManufacturedHousingIndustryDailyBusinessNewsMHProNews300x474a

MHI – Transparency, please? Photo credit, MHProNews.

There’s more that could be said, but we’ll hold it for now, and simply ask.

MHI – can you be transparent on this Pam Danner issue?  Can you and those who pull the strings please not try to intimidate Andy Gallagher, or anyone else in the industry?

Please?

An MHI Executive Committee member told me some time back at a private dinner – just we two – that their publicly-traded firm believed in transparency.  ‘Bad news, we get it out there.  Good news, we get it out there.  Transparency,’ that corporate leader said to me face-to-face, was a key principle.

Ok.

Where’s that same level of transparency at MHI?  Why are members and the industry being asked to guess whatever it is that MHI claims they want on Pam Danner?

Time will tell anyway. But in the meantime, consider the wisdom of behaving based upon principles – vs. posturing or evasion?

Heavy regulation, third party sources say, falls heavier on smaller companies than big ones.

ELS’ Sam Zell – Compliance Costs Destroys Smaller Businesses = Consolidation

Or consider what Marty Lavin said, does it apply here?

FollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNew

We Provide, You Decide.” © ## (News, commentary, analysis.)

By L. A. “Tony” Kovach.

LATonyKovach-QuestioningNYSAAteam-NewYorkHousingAssociation-MHProNews-com-PhotoCreditMarkSimon--250x167

Photo taken while Tony was questioning regulators in NY.  Kovach, and MHProNews, are fighting for the industry’s advancement, day by day.

Kovach is the award-winning co-founder and managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews.com, MHLivingNews.com, and the affiliated business development, consulting, and industry-expert services.