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FEDs, MHI, Buffett’s Berkshire’s Clayton Homes Moat, Affordable Housing, and Billion$ in Manufactured Home Market Manipulation

August 9th, 2018 No comments

 

FEDsBuffettsBerkshireClaytonHomesMoatManufacturedHousingInstituteMHIBillionsMarketManipulationAllegedMHProNews

For billions of souls who believe, since the time Cain killed his brother Able, history records how dark emotions and desires have motivated some to harm or dominate others. 

 

In manufactured housing, Terry Decio with Skyline quipped on camera “I’m tired of being the best kept secret, I’m ready to help house America.” Terry’s father Art was on the cover of Time Magazine, and in a good way. MHProNews has reminded readers that American Presidents like Nixon and Ford have at times spoken and acted favorably toward our factory buIlt-home industry.

TimeMagazineTerryDecioManufacturedHomeLivingNews

The Decio family had Art on the cover of Time Magazine decades ago, the industry improved, so what happened to the MH Industry since then?

So how could it be that during a growing affordable housing crisis, that the numbers of manufactured homes (MH) shipped are just a fraction of the glory days when the industry shipped north of 372,000 new homes one year in 1998?  Or the even more inflation-adjusted prosperous days when the pre-HUD Code MH industry was selling more than 500,000 new homes in two consecutive years?

ScholasticCororatonFigure1MobileManufacturedHomeSalesSHipmentsVsExistingingNewHouseSalesManufacturedHousingiinudstryDataMHProNews

Realtor University, Scholastica ‘Gay’ Cororaton, CBE.

 

MostMenAppearnNeverConsideredWhatHouseIsNeedlesslyPoorAllTheirLivesHenryDavidThoreauManufacturedHomeLivingNews

Each photo is of a modern manufactured home, which can be some 2400 sq  ft or more in size, 1 or 2 levels, set over a basement, or can be as modest as 320 sq ft. These homes are built to federal construction, energy, and safety standards that went into effect on June 15, 1976.  They are administered (regulated) primarily by HUD, and are thus known as “HUD Code Manufactured Homes.”

 

Media, Money, Government, and Market Manipulation

Stephenie Meyer once observed, “Sometimes the best hiding place is the one that’s in plain sight,” per Goodreads.  

It’s a matter of history and fact that the interaction of media, money, government officials, and market manipulations have occurred in the U.S. – or any nation you care to mention – going back several centuries.

Even before the Seattle Times reported that federal investigators are probing Clayton Homes and their subsidiarity lenders – Vanderbilt Mortgage and Finance, and 21st Mortgage Corp – those Knoxville metro business units of Warren Buffett’s Omaha-based Berkshire Hathaway were known by this publisher to be under federal investigation. We had already reported federal investigations on the Daily Business News on MHProNews.  

But it is quite likely that the Seattle Times knew of some investigations that we didn’t, and vice-versa. While we’re the most read trade media by far in MHVille, the Seattle Times budget and resources blows us away.

That’s reality.

Kevin Clayton said in his own fashion that Berkshire/Clayton likes to use and work with nonprofits. Do certain Google searches, and the video of Kevin Clayton posted below is among what pops up on page one.

The video below edits not a word Kevin spoke, but written commentary was added by MHProNews to the video interview originally commissioned/authorized by Clayton/Berkshire. So, that video is also the truth hiding in plain sight.

 

 

For a variety of reasons, Harvard’s Eric Belsky predicted that manufactured housing would overtake conventional on-site construction by 2010. Belsky was wrong on that projection, why? Because Warren Buffett is a smart man – Kevin Clayton said so in the video – and Buffett reads a lot.  

Buffett arguably came to the same conclusion Belsky did.

Would it have been a surprise if Buffett knew what Belsky wrote, before buying Clayton Homes and other parts of the manufactured home industry? Didn’t Kevin Clayton obliquely suggests as much in the video, when he said that “Warren” does his homework?  Isn’t that what Buffett suggests himself, in this next video?

 

 

That’s the truth hiding in plain sight, online, among billions of other items. So, you or any researcher only has to look to find it. Or once found, to cross check the data we provide, and verify the accuracy of it. 

What Harvard’s Belsky likely didn’t count on when he said manufactured housing would overtake conventional housing in new construction by 2010, was that Buffett’s Berkshire would buy Clayton, Oakwood, Vanderbilt and 21st, and use “the Moat” principle discussed and linked from herein to manipulate the market. 

As the HUD Code manufactured home industry had been sliding downhill for some 5 years by that time, the new combination made Clayton Homes number one in MHVille, with deep capital pockets Kevin speaks about on camera.  

Buffett explains his principle of the strategic “Moat” in his own words in the video above. Notice how often Kevin Clayton speaks about the “Moat” in his video too?

That’s the truth hiding in plain sight. 

Belsky also noted that credit is the lifeblood of housing.

Presidents Nixon and Ford knew that credit was critical for affordable housing too. They took steps to make more financing available for what was then “mobile home” buyers. That took place prior to the formal dawn of HUD Code manufactured homes, which occurred on June 15,1976. All that’s true, easy to document, and is hiding in plain sight.

MultipleReasonsExpectManufacturedHousingDoBetterThanSiteBuiltHousingEricBelskyEecDirJointCenterHousingStudiesHarvardUnivDailyBusinessNewsMHProNews

Why does MHI no longer reference this, as they did prior to Clayton Homes being bought by Warren Buffett’s Berkshire Hathaway? 

 

For the Record 

We’ve previously published numerous examples of what could logically be alleged as market manipulations, carried out by the Arlington, VA based Manufactured Housing Institute (MHI). Isn’t that a restraint of trade? An antitrust violation?

Voices within manufactured housing and outside observers alike have concluded that MHI is the association/nonprofit tool of Omaha. It fits what Kevin said about nonprofits on that video. 

If you are Warren and Kevin, how do you widen your “Moat?” Why not do that by cutting off lending to competitors during the aftermath of the drama of the 2008 mortgage housing crisis? 

Why not do that by U.S. Mail, fax or other intestate communications?

Need proof? How about this letter below, signed by Tim Williams of 21st, a Berkshire Hathaway sister company to Clayton Homes?

21stMortgageCorpLogoLetterheadJan302009TimWilliamsRetailersBrokersCutSpecifiedLendingMonopolisticConcernManufacturedHome

See key parts of the text from Warren Buffett’s Berkshire Hathaway Annual Letter that contradicts important elements of what this 21st Mortgage Corp letter claims. Click this link here for those Buffett quotations, taken in context.

 

What was the impact and fallout that followed that 21st letter? What did it accomplish in the manufactured home market?  

Read carefully all the facts, and then what MHI’s own document deductively suggests. Isn’t that all the truth, hiding in plain sight?

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ClaytonHomesOakwoodHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2003MHanufacturedHousingIndust

Clayton Homes, 2003. After the Buffett Berkshire Buyout.

These graphics reflect what the facts reveal.

ClaytonHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2011MHanufacturedHousingIndustryProNews

This graphic is a snapshot of the industry at about the time of the Kevin Clayton video, posted on this page. In that video, Kevin says what “Warren” teaches about competition and the Moat.

ClaytonHomesBerkshireHathawayMarketShareofManufacturedHousingEnd2017MHanufacturedHousingIndustryProNews

While several mainstream media allegations of monoplistic practices have been made against Clayton Homes and Berkshire Hathaway, this trade publication is the only one known to date to have produced documentary evidence.  The documents, quotes from Buffett, Kevin Clayton and others reveals their own stated practices, and how that plays out in the real world. Neither Berkshire brands in MH, nor MHI has attempted to refute or debate these allegations or concerns, though they’ve been given the opportunity, as long-time industry readers know.

We’ve shown the above 21st document to investigators.

ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews-e

One reason so few are willing to speak out publicly on this issue is that they don’t want to be the next in line for disappearing as an independent business. Fear is what state association executives and others have told us holds them in check

We also know that some in the mainstream media are looking into this topic. But the timing of other reports, or investigators on such matters being made public is never a given. 

Buffett has said he likes to invest in businesses that make sense.  Isn’t what’s summarized below, one of the reasons manufactured housing made sense to Buffett?

Fresh Facts, Figures, Future of Affordable Housing -Comparisons- Conventional Site-Built v Mobile/Manufactured Home Industry Data


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Democrats and Republicans alike are voicing concerns over monopolies, and some are pointing to Clayton and Buffett by name.

Progressive “Nation” Reports on Monopolies Cites Buffett, Clayton, Others – MH Industry Impact?

But they have not yet used these specific “smoking gun” documents – nor the videos – shown on this page.

To the mainstream media, these 21st letters are “news.” 

Look carefully at the linked article below, and you will see how Warren Buffett’s own words contradicted 21st’s Tim Williams – who served several years as the chairman of MHI – and his letter, shown above. That 21st letter by Williams was at best a half-truth, or debatably, a manipulative lie.  Sent in the aftermath of the mortgage credit meltdown, it was plausible to may of those reading it.

The result? “Consolidation.”  The Berkshire/Clayton Moat grew. See the graphics above. People arguably have suffered as a direct result.

Smoking Gun 3 – Warren Buffett, Kevin Clayton, Clayton Homes, 21st Mortgage Corp Tim Williams – Manufactured Home Lending, Sales Grab?

 

We’ve given Tim Williams, Kevin Clayton, their attorney, and MHI and their inside and outside counsel opportunities to reply, rebut or refute the claims, concerns and allegations of market manipulation that arguably involve them in antitrust and other kinds of illegal activities. So far, silence.  if MHProNews was wrong, why not refute us?

When MHI’s President, Richard “Dick” Jennison was scheduled to speak at the Louisville Show earlier this year, we emailed to our thousands of industry readers that morning a link to 12 questions they should ask Jennison.

Jennison abruptly cancelled that long-planned appearance in the Louisville Manufactured Housing Show’s  ‘educational’ session.

But MHI’s president was photographed at the Louisville Show, feverishly speaking on his cell phone with somebody, during the time he was supposed to be on stage. Who was on the other end of that phone call? Will the Feds do what it takes to find out?

 RichardDickJennisonManufacturedHousingInstituteMHIPresidentCEOLouisvilleManufacturedHomeShowByClaytonHomesDispalyPhoto2018MHProNews

 

The irony is that MHI and Berkshire Brand team members own behaviors essentially pushed this writer into discovering the truth hiding in plain sight. Questions and comments to me from industry members kept piling up, forcing this writer to take another look, a deeper dive. Among those that began to trigger my concerns were these publicly stated points, linked here. Among many others, was this comment shown below, also made publicly to MHProNews as part of an interview. 

KennyLipschutzQuotePoorJobOfLobbyinginMHIndustry-postedMHProNews48thMHINCClist

They and others know it took me time to wake up; my apologies for my tardiness. 

Because I was slow, I can relate to why others may be slow to accept reality too.

New Manufactured Home Industry National Association Related Statements

This helps shed light on the following question. How was it possible that so many outside of MHVille – HUD Code manufactured housing (MH) land, or the thousands of industry professionals like Terry Decio – how could the clear need for manufactured homes become so obscured?  Is it because MHI won’t routinely clear up the record on modern manufactured home realities?  The examples of unaddressed issues by MHI are numerous.

 

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Some key manufactured home industry facts at a glance. How is it possible that MHI can’t even get all the basics of the MH data correct?

Presidents Nixon and Ford knew the pre-HUD Code MH industry, and supported it.  

Federal studies, university level research, and insurance reports going back at least twenty years specifically said that manufactured home quality had evolved from the days of ‘trailer houses’ and the later ‘mobile home’ era.

“Why Advocates Need to Rethink Manufactured Home Quality,” Harvard, GSE, Genz, “High Satisfaction”

Vice Mike Pence knows this industry well, say our sources. Because as Governor of Indiana, Pence knew modern manufactured homes, and RVs, both built in that state. 

HUD Secretary Ben Carson says he hears the manufactured home industry, Carson has publicly promised a new era of cooperation. All that and more is the truth hiding in plain sight. Additional details are in the report linked, and heavily cross referenced, found below.

“Thou Shall Not Steal,” $2 Trillion Annually Lost to Lack of Affordable Homes, Making the Manufactured Home Case

 

What that article above, and the one linked below, reveals is the harm that market manipulation has debatably cost everyday Americans, federal, state, and local taxpayers.

FEAR, a Solution to the Affordable Housing Crisis, and the Manufactured Home Dilemma

 

Secretary Ben Carson, Brian Montgomery, and Dana Wade at HUD are among those that should be aware of the “enhanced preemption” that’s called for by existing federal law with respect to manufactured housing over local jurisdictions. The Washington Post obliquely noted how the Manufactured Housing Association for Regulatory Reform (MHARR) pushed for an end to regulatory abuses by one Pam Danner at HUD. MHI SVP Lesli Gooch at MHI admitted to the Washington Post that they did not make an effort to stop Danner’s overreaches. Why not? Isn’t that the truth about MHI, now hiding in plain sight?

Greener, Stylish Manufactured Homes – Hidden Facts in the Washington Post Manufactured Housing Narrative

The applied logic of the two NBER researchers linked below is this. A lack of affordable cost the nation trillions. 

Local zoning is the apparent headache.  But when 99 percent plus of Americans don’t know about the enhanced preemption of manufactured homes under federal law, the obvious solution is overlooked.

When millions don’t realize the quality, they only consider the stereotypes, fear and prejudice kick in.  Thus the failure to embrace the reality of manufactured homes vs. the outdated myths and misconceptions of the past costs America some $2 trillion dollars a year in lost GDP.  While they aren’t talking about MH, that’s the NBER researchers logic, when applied to our misunderstood and maligned industry.  Put differently, there is no need to pass new laws.  The federal laws already needed to cure the affordable housing crisis have been on the books for years.  HUD officials surely know about it.  When their review of the manufactured housing program is complete, will they apply what they know, and fix these issues?

IthinkFairSawLowerThePeriodicCostSatisfactoryHousingTheGreaterOnAverageWealthCreation

Ken Johnson provided this as part of his reply when asked about manufactured homes as a path to personal wealth creation. https://www.manufacturedhomelivingnews.com/researchers-shake-up-american-dream-rent-vs-buy-ken-johnson-florida-atlantic-university-exclusive-to-manufacturedhomelivingnews/

 

Rephrasing the Truth

Rephrased, if Secretary Carson, VP Mike Pence, and the Trump Administration simply apply existing laws, our nation’s economy will soar. Home ownership will rise.  The need for subsidized housing will fall.

That will occur naturally, without artificial stimulation, because the lack of affordable housing is choking off the nation.

The future of housing in America, and around the world, is found in factories. Almost everything else we as a nation do is from a production center or factory. Why not housing?

 

The steady pressure of the truth hiding in plain sight, thanks to the tips and support of the few forward thinkers in this industry, has made it possible for manufactured homes to have a potential breakthrough moment.

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Starting at Page 48, see her 30 page report on manufactured homes, linked here. Please watch her footnotes.

 

Scholastica ‘Gay’ Cororaton at the National Association of Realtors (R), among others, has made it possible for long-obscured realities to come into sharper focus.

But the truth is that Lisa Tyler, Ph.D., tried to spotlight much of this years before, when she did her doctoral dissertation on manufactured homes. I personally tried to get MHI to spotlight Tyler’s work several times. Tyler’s was useful research for the industry. Why didn’t MHI give Tyler’s important work a boost? Or the time of day?

 

DrLisaTylerHousingSolutionInexpensiveEnergyEfficientGreatValueOpportuntiesObsticlesManufacturedHomeIndustryMHLivingNewsDailyB

See the related report, linked here.

Open market manipulation can be described as a kind of confidence (con) game. With that thought in mind, the following quote from American Thinker seems to apply. “Never let your con grown stale. Never give up the con.” It’s a different topic than ours, and like this next quote from the Tucson Weekly, both seem to apply. Through speaking with his fellow inmates, he distilled the four major aspects of the criminal enterprise: 1, Develop a plan; 2, Recruit; 3, Make the pitch; 4, If caught, always deny, never give up the con.”

The “Rajin’ Cajun,” Bill Clinton campaign wizard James Carville obviously demeaned millions of Americans, while using a slur to distract from the sexual-scandal-plagued woes of his boss when he said, “Drag a hundred-dollar bill through a trailer park, you never know what you’ll find.” 

MHI’s prior chairman admitted that there were good reasons to defend the industry against such slurs.

TimWilliamsMediaRelationsManufacturedHousingIndustryDailyBuisnessNewsMHProNews-500x277

But they routinely don’t defend the industry. It’s an oblique kind of open manipulation of people and thinking that’s oft repeated.

That derogatory prejudicial slur has kept manufactured homes wrongfully in the shadows for so long. So why didn’t MHI address that prejudice over and over, like the NAACP did racism? Surely all those smart people at MHI with all of their degrees know that every once in a while, an advertorial about the industry or social media pages aren’t enough.  The irony is that most of the negative stories, about fires and what not, are about older pre-HUD Code mobile homes. Today’s manufactured homes are statistically as safe as conventional housing, per the NFPA

The point is that MHI could simply reply, as prior MHI Chairman Williams admitted. But as MHI member Frank Rolfe has repeatedly complained, instead, MHI remains silent. It’s a subtle way of letting the industry struggle, while Berkshire brands and other ‘insiders’ consolidate large parts of the industry. 

FollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNews600

Millions are being denied the American Dream, because of openly used influence, information manipulation, pejoratives that yield prejudice, finance and regulatory abuses. 

Couple that’s with years of a failures to apply existing federal laws. Do the $2 trillion dollar math. This tragedy is costing the average American household some 24k in lost GDP annually.

Rephrased, monopolistic “Moat” manipulations by billionaires and multi-billion dollar entities have cost American trillions a year in lost productivity. These issues ought to be placed on center stage during the next 90 days. They must be kept in the national limelight long after the next election, until the issues are finally fixed.

Seattle Times -Federal Investigations-Berkshire Hathaway’s Clayton Homes, GuruFocus Spotlights Buffett’s Clayton’s “Unethical,” Monopolistic Moat

Earning an honest buck, I truly admire. Earning billions honestly and ethically is fine too.

But please don’t manipulate hundreds of millions of people, and cost your nation trillions in the process, all to make several billion dollars a year in sales. Once understood, who can abide by that kind of costly white-collar con?  Where’s Equal Justice Under Law?

WarrenBuffettTheMoatQuoteMemeManufacturedHousingIndustryDailyBusinessNEwsMHProNEws

Buffett’s own words, the graphic is by the third party shown at the bottom left. The truth has been hiding in plain sight, but the various threads – plus the documents and videos above – had to be pulled together to paint the complete picture.

So, industry pros should not expect anyone in Arlington, Knoxville, or Omaha to confess.

But we already have what “Kevin” and “Warren” have said on videos posted above.  They’ve explained in their own words key parts of the moat and how its used to throttle competition. Marry that up with the balance of the facts and evidence.

The odds are that they will never willingly give up the con of a system they’ve debatably rigged and manipulated.

Like the solution to the affordable housing crisis, it’s the apparent truth hiding in plain sight. We’ve alleged it, we provided the evidence others first gave to us. We’ve given Berkshire’s brands and MHI an opportunity to publicly debate it, or refute it. MHProNews laid out the logic of evidence and the facts.

Now, what will you do with this knowledge?

Because if they did it before, what’s to keep them from doing it again?

Cain killed his brother Able out of mere jealousy. Some have scammed others since nearly the beginning of time. May God help us all. “We Provide, You Decide.” ©  ## (News, analysis, and commentary.)

(Third-party images and content are provided under fair use guidelines.)

FactoryBuiltCarsClothingAppliancesElectronicsCellsSmartPhonesHomesItJustFollowsLATonyKovachC2017MHproNewsBy L.A. “Tony” Kovach – Masthead commentary, for MHProNews.com.

Tony is the multiple award-winning managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

Office 863-213-4090 |Connect on LinkedIn:
http://www.linkedin.com/in/latonykovach

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Click here to sign up in 5 seconds for the manufactured home industry’s leading – and still growing – emailed headline news updates.

 

Related References:

“Waste, Fraud, and Abuse” – FHFA, GSE Federal Oversight Announcement

ManufacturedHousingAssocRegulatoryReformMHARRMarkWeissDTSFHFA-GSEsGoingtoLargestBusinessesCorpAffiliatesDailyBusinessNewsMHProNews-575x268

Duty To Serve, “Complete Waste of Time” per Tim Williams, CEO/21st Mortgage; POTUS Trump, Warren Buffett Insight$

“Insulting” – Local News Report on “Mobile Home” Fire Underscores Why Terminology Matters

Affordable Housing Focus Group – Comparing Housing Options – Conventional Houses, Condo, Rentals, and Manufactured Homes – Up for Growth, National Association of Realtor, Studies

Only 3 Options – the Elephant in the Room

Life, Liberty, Property – Supreme Court – and Manufactured Housing

June 28th, 2018 No comments

SupremeCourtofUSSCOTUSBldgLifeLibertyandProerptySupreceCourtandManufacturedHousingJusticeKennedyVacancyMHProNews

1776 to 2018 and beyond. The issues of Life, Liberty and Property were as important when Thomas Jefferson drafted the Declaration of Independence as they are today, or will be tomorrow. And it very much matters to our industry, investors, and related professions.

 

When Sam Zell said they discovered that at Equity LifeStyle Properties (ELS) that they had partners they didn’t expect, he was alluding to the forces of government, often driven by voters.

When you boil down what’s happened – and is happening – in our factory crafted home industry, outside forces impact your ability: 

   to invest,

  where you can place a home,

  what the image of our MH products and communities are,

and so on.

Furthermore, forces within our industry can and arguably have gamed or rigged the system in ways that unduly favors the large vs. the small. That in turn can disrupt the economy, politics, and jobs in a variety of ways.

Into this milieu is the not-entirely-surprising announcement of Justice Anthony “Tony” Kennedy’s retirement from the Supreme Court of the United States (SCOTUS). That retirement has arguably just supercharged the upcoming 2018 midterms.

Salena Zito Tweet Wakeup on Recent High Court Rulings, Touts the “Great Revolt,” SCOTUS Kennedy Shakeup

From issues regarding monopoly, to private property rights, and more, manufactured housing is likely to be in front of the high court in the next 24-48 months. So the replacement of retiring Justice Tony Kennedy ought to loom large in MHVille.

But it’s also huge on hot-button issues like abortion. The political left is gearing up for that fight as we write. The right-to-life forces will too.

 

Having witnessed the appointment of Neil Gorsuch to the Supreme Court of the United States (SCOTUS), and watching President Donald J. Trump and Vice President Mike Pence repeat the themes of “promises made, promises kept,” and “we will enforce the law” – like it or not – there are numerous reasons to believe those claims.

That means supporters and detractors alike are going to gear up for the midterms. No hype, but this may become the most consequential midterm elections in our lifetime.

In North Dakota last night, the President of the United States (POTUS) Donald Trump laid out his case for taking Heidi Hiedcamp’s Democratically held seat, and turning it over to a member of the GOP. He and VP Mike Pence will likely repeat this in battleground states from sea to shining sea, between now and Election Day in November. 

 

 

Life, Liberty and Property

Life, Liberty and Property” were the core rights to be protected, in the initial draft of the Declaration. In the revision to the Declaration of Independence, which was signed on July 4,1776, Thomas Jefferson changed “Property” to read “the Pursuit of Happiness.” Both versions are timeless in their meaning. 

A millennial and self-proclaimed socialist – Alexandria Ocasio-Cortez wins in New York –Tuesday over 10-term incumbent Rep. Joe Crowley in New York’s 14th congressional district.  Crowley was the number two House Democrat, a stunning primary upset.

 

MHProNews has been reporting for over a year the growing trend of openly socialist Democrats running for office, and how millennials are closely divided on the topic of free enterprise (“capitalism” is the normal phrase used in public opinion polling) and socialism.

“Political Necrophilia,” Tragedy in SloMo, Southern Economic Political Lessons for Looming U.S. Midterms

A nation divided must learn how to engage the other side on thorny issues without threats of intimidation or violence.  

A nation in need of affordable housing must be engaged by manufactured home professionals in ways that make sense to clear majorities.

These are challenging, but exciting times.

 

The View from MHVille…

It’s gratifying to first hear and later read from industry professionals, “Tony, if MHProNews is writing about it, I want to know about it.” We’ve made several tactical adjustments over the years, and did again last year by moving into a transparent statement that every Daily Business News item is a mix of reporting, analysis, and commentary.

We have an editorial viewpoint, informed and shaped by experiences influenced by professional readers who call, message, and write. We are mindful that voices and policy makers inside and outside of our industry are on our pages daily by the thousands. The CFPB formally cited MHLivingNews as a source. The Congressional record includes a document that first appeared on MHProNews. Popular Value Penguin published an op-ed that includes both of our pro-industry publications.  

What happens in MH trade publishing here matters.

Every day in the evening market report, we do what no one else in the history of the industry’s trade media has ever done. We share headline bullets from CNN, and headline bullets from Fox Business.  We’ve done that for years. That’s fair and balanced.  An example is linked below.

Warren Buffett Strikes Deal with Lee to Manage Berkshire Units, plus MH Market Updates

Those who scan those left-right headlines in our market report every evening get more news in 2 minutes than watching an hour of news at night on TV or your device.  We save time, and yield more insights.  

Those who check the evening market report data each business day are miles ahead of their peers who don’t do the same. Those who read our featured topic for the day get insights on issues that move America, and thus will move the markets, or impact business and investments.

 

The Dow to 30,000?

Barring a catastrophic event, the Dow could hit 29,000 to 30,000 by 2020. Yes, even with all of the trade war talk, that’s a realistic outcome.  You read it here first. Why? Read the evening market report every night for a month, and you’ll see why we believe that’s coming. 

The president draws each of his rally events to a close with a call for unity of the nation. He cites the reasons during his talks why blacks, Hispanics, women, workers, investors, and others should support his efforts. He does counter-punch, but he also puts out olive branches. He is controversial, but just accept it and watch. His opponents claim he is petty and vindictive. Really? Ask Nikki Hailey, Marco Rubio, or Mitt Romney – who opposed him. Yet, he’s called on them, and supported them.

POTUS Trump is arguably among the most accomplished people to ever occupy the White House. He’s lancing numerous festering boils, as my better half might say, using a medical analogy. It will be ugly, until it is over.

Life, Liberty and Property – the Pursuit of Happiness. Can the Republic find healing after what will be a bruising midterm? Let’s close with an excerpt from Psalm 79.

Psalm 79

R/ (9) For the glory of your name, O Lord, deliver us.

 

Remember not against us the iniquities of the past;

may your compassion quickly come to us,

for we are brought very low. R/

 

Help us, O God our Savior,

because of the glory of your name;

Deliver us and pardon our sins

for your name’s sake. R/ ## (News, analysis and commentary.)

(Third party images, and content are provided under fair use guidelines.)

Related Reports:

‘Tip of Iceberg’ – Rick Rand; Marty Lavin, Communities have ‘No Confidence’ in Manufactured Housing Institute, New National Trade Group Announced

 

Only 3 Options – the Elephant in the Room

 

NorthStar and Manufactured Housing Radix

To provide a News Tips and/or Commentary, click this link. Please note if comments are on-or-off the record, thank you.

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Publisher and industry consultant, L. A. “Tony” Kovach.

By L.A. “Tony” Kovach – Masthead commentary, for MHProNews.com.

Tony is the multiple award-winning managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

Office 863-213-4090 |Connect on LinkedIn:
http://www.linkedin.com/in/latonykovach

Sign Up Today!EmailedMHProNewsHeadlineNewsDailyBusinessNews

Click here to sign up in 5 seconds for the manufactured home industry’s leading – and still growing – emailed headline news updates.

 

Facebook, Manufactured Housing, and American Drama

June 12th, 2018 No comments
FacebookFossbyteManufacturedHousingINdustryDailyBusinessNewsMHproNews

What do you see?

Facebook has a neat feature that reminds you of some post from the past. This morning, that Facebook feature reminded me of a post about MHVille that was from two years ago.

 

We’ve begun to use the phrase – “wheat and chaff” – more often to describe the point that people and sources of information must be discerned. Keep the good, toss what’s not useful or is incorrect.

It’s hardly a new thought. Wheat and chaff are an ancient piece of Biblical wisdom.

When we put together the story early this morning about the outcome of the presidential summit, it was the result of hours of input from a variety of sources. It is an example of wheat and chaff in action.

Perhaps 10 (+/-) sources were checked, before we drilled down what we thought was the meaty items for industry pros and investors to know.

Then, we provided the context of what it matters to manufactured housing. “That news through the lens of factory-built housing,” ©; one of our tag lines that describes what MHProNews uniquely does for the manufactured and modular home industry professionals and investors. 

It’s about American drama at its finest. Check out that report, linked below, compare it to anything else that might be used for an MH Industry pro, and please tell us what you think. 

 

Facebook, Wheat and Chaff 

I recall how Triad Financial President Don Glisson, Jr. gave us a backhanded compliment that we treasure. He said he thought we were crazy when we launched what we call today, MHProNews.  The launch was in mid-October 2009, and was near the industry’s lowest point ever in new home shipments.

Now, approaching a decade later, we as an industry are clearly not heading to extinction, as some then believed could happen.

When asked by the Midwest Manufactured Housing Federation (MMHF) to help bring back the Louisville Snow, we jumped in with both feet. The pay was very modest, considering all that had to be done.  But we did it, and the show was a success, the first one in years. 

Tim Williams from Ohio’s association was one of several who praised our work in writing.

TimWilliamsOhioManufacturedHomesAssocExecDirectorRecommendationTonyKovachMHProNewsLouisvilleManufacturedHousingShowPromotion

One of over 1000 endorsements and recommendations, most were given without being requested. We thank each sender for that honor.  

Facebook has wheat and chaff. Pretty much everything and everyone does, starting right here.

We are pro-free enterprise. We cheer all honest and ethical forms of success. We stress honesty, and ethics, because some professions are built on the suffering of others.  From illicit drug pushers, to pimps, pornographers, thieves, racketeering, coyotes, and so on, there are illicit businesses that generate tens of billions annually.  We don’t cheer those at all.  

But if we are fair and objective, even the darkest parts of human nature reveal truths worth learning.

We must learn to separate the wheat from the chaff. 

 

Breaking Up

Count us among those who hope and pray that the Feds break up Facebook, Google, Amazon, and other monopolistic U.S. giants. Think back, if you are old enough, to the breakup of the telecoms. AT&T was charged under antitrust laws. 

Based on Judge Harold Green’s Modified Final Judgement of 1982, AT&T on January 1 1984 became a long-distance company, while seven regional Bell Operating Companies (RBOCs) took control of the nation’s local phone networks,” says the American Enterprise Institute (AEI).

 

Some say that the monopoly over the phone business delayed the development of cell phone technologies by a decade.

It is just one of several reasons why corporate giants must be held in check and/or broken up.

To me, it isn’t just about price, which is an arguably flawed standard that antitrust regulators often use.  How many businesses has Walmart and Amazon wiped out? How many jobs has that cost the nation? Would we have seen the shift to buying so much product from China, had Walmart not become so big?  

They too should be broken up under antitrust law.  As NY Stern Professor Scott Galloway has argued, it is how you bring oxygen back into the marketplace for startups and investors.  That’s were jobs are created, instead of destroyed.

England, we’ve read, has a supposed standard of 25 percent market-share as the threshold for anti-monopoly (anti-trust) action. That might be still be a bit too high. Once a firm hits 20 percent of a given market, there are inevitable impacts on consumers, businesses, innovation, the economy, politics, etc.  

Wheat and chaff. We must learn from whatever is good, and toss out whatever isn’t. The prism of the Ten Commandments – which clearly respects private property – ought to be the standard, timeless measure of behavior. 

What Facebook reminded me of this morning is that it has been about two years since I got a tip from a then-fellow Manufactured Housing Institute (MHI) member. That member pointed me to a CSPAN video about Richard Cordray and Senator Joe Donnelly. When I watched it, I got what that other MHI member as telling me.  

MHI had distorted the exchange, saying only what was good for their narrative, while ignoring what was problematic for their stated agenda.  

It seemed deliberately deceptive. It came from MHI VP Lesli Gooch, but our sources then said that MHI President Richard “Dick” Jennison had to okay it.  

It’s was at best a half-truth, designed to mislead members. As a member myself, I was outraged. We can call these things allegations, because that is what the legal guys say it should be termed. But if you look at the CSPAN video we watched, and then look at what MHI then said… 

Logically, if top MHI staff would deceive members about that, what else have or would they attempt to trick their own dues paying members about?  

They had to be held accountable. I called publicly For Jennison’s dismissal along with that of Lesli Gooch. 

It wasn’t the first or the last news tip. 

Please, we’d rather get a news tip 4 times, than not at all. Don’t presume we have something. We know the generalities, but not always the specifics. Help us, help you help the industry get the most accurate reports by sending association emails, documents, and your own insights. Our default is that we treat comments as off the record, unless you and we specifically agree to make it on the record. 

One step at a time, we’ve seen how MHI has weaponized reports. It was tricky, because no one else in the industry had directly named names and cited examples of what was happening, and who was authorizing it, the way we did. 

That incident from 2 years ago led to a series of events and reports that has arguably contributed to what has brought us to the point we are in reporting in MHVille today.  

Today, we can look back and see MHI, and their debatably Berkshire Hathaway puppet masters as they are. We give them a routine opportunities to comment before, during or after a Daily Business News story. We accurately quote from their own documents. We’ve offered to discuss or debate publicly via video, so all the industry can see. 

They duck, dodge, detract, distract, and defame in response, don’t they? Doesn’t all of that speak volumes?  If the truth was on their side, why don’t they just clear the air? 

It’s been about 1 1/3 years since they have directly responded publicly. We suspended our industry famous Cup of Coffee series for a time, because it was too politically charged for many. We plan to bring that feature back, because more of the industry’s members are beginning to see — that what we’ve been reporting sadly makes sense. 

It’s time to use antitrust laws to break up Berkshire Hathaway, not just Clayton Homes and their lending, retail, and others unit arms. 

MHI must be investigated and/or perhaps sued.  They’ve arguably misrepresented to the industry what they are and what they do. 

MHI award winner Marty Lavin is sadly correct. MHI works only for the interests of “the big boys.” They work for the smaller companies only if their interests align with that of the big boys.

‘Tip of Iceberg’ – Rick Rand; Marty Lavin, Communities have ‘No Confidence’ in Manufactured Housing Institute, New National Trade Group Announced

The rationale and evidence seems to be that smaller companies are there as a meal for the big boys that want to gobble up smaller firms for a cheap price.

The smaller firms are there to also help pay for what the big boys want. Paraphrasing what another member said, ‘the big companies figured out how to use MHI to help get the smaller companies to pay for what the big companies want.’

Manipulation is often an ugly thing. 

No one wants to believe that they were conned.  It’s not fun to have to report about such problems, but it must be done, for the sake of all those who are debatably being victimized.

George Allen Blasts MHI, NCC Ignoring Own, Spencer Roane, SECO, COBA7, Tom Lackey Controversies

These are serious allegations. but there’s also serious evidence. There are several federal investigations already underway, because where there is smoke, there is often fire.

 

For manufactured housing industry professional and investors to thrive and achieve their full potential, the industry must recognize reality.

Then, each company must decide how best to deal with reality. It’s an American drama that you and hundreds of thousands of others are caught up in, like it or not. More on that drama and its solutions in the days ahead. ## (News, analysis and commentary.)

(Third party images, and content are provided under fair use guidelines.)

Related Reports:

Greener, Stylish Manufactured Homes – Hidden Facts in the Washington Post Manufactured Housing Narrative

NorthStar and Manufactured Housing Radix

To provide a News Tips and/or Commentary, click this link. Please note if comments are on-or-off the record, thank you.

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Publisher and industry consultant, L. A. “Tony” Kovach.

By L.A. “Tony” Kovach – Masthead commentary, for MHProNews.com.

Tony is the multiple award-winning managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

Office 863-213-4090 |Connect on LinkedIn:
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It’s “Fair Warning,” not “I Told You So”

March 8th, 2018 No comments

TigerExclamationWarningItsFairWarningNotIToldYouSoManufacturedHousingIndustryMastheadMHProNews

The written word, or the spoken word has its limits.  Words can be misunderstood.

 

Duly Warned

What follows is a reminder that we gave MH Industry readers a fair warning just days ago as to what was about to happen on S. 2155.

Once someone understands how ‘their game is played,’ what happens is utterly predictable with scary accuracy.

MHI pushed the inclusion of part of their MLO language from Preserving Access into S 2155. Fine.

But they failed to give you the all-important history. That we did, in the report linked below.

Manufactured Housing Institute (MHI) Asks Industry Members to Ask Senators to Support S 2155, Behind the Scenes Details

They – MHI – are either inept, or brilliant –  take your pickdepending on if your firm is a small to modest sized one, that needs this bill, OR if you’re a big one –> that wins if it the measure passes or if it fails.

There are two publishing voices you can routinely trust in MHVille, ours or MHARR’s. At times we see something modestly different, but on the big issues, we come to very similar conclusions; often completely independent of each other.

 

Supporting Preserving Access…but…

MHARR has no dog in the Preserving Access hunt. Some years back, when this writer was still under part of the MHI spell, MHARR’s then president told me if anyone calls and asks, do they support Preserving Access, ‘yes we do,’ said MHARR.

But what they only told a few in the industry is that MHARR felt MHI’s bill had no chance.  Preserving Access was a waste of time, it was window dressing. Years later, they proved to be 100% correct.

My industry colleagues, with humble hat in hand,  this Masthead writer bought what MHI was selling — not all of it, but enough of it as recently as two years ago. No more.  It was Voices Inside and Outside of MHI that convinced me Preserving Access was a sham.

So we did our own homework.

Those disgruntled MHI members, MHARR and others were right.  Which once more means, this writer admits to having been duped. No more. 

ManufacturedHousingInstituteHousingAlertLogoS2155DailyBusinessNewsMHProNews

This anti-MHI amendment to S. 2155 was utterly predictable. It is irrelevant if they win or lose on this, see the commentary to understand.

It’s my turn – MHProNews’ turn – to say, if this S 2155 bill passes with or without MHI’s desired phrase, select big manufactured home industry players win either way.

Don’t waste a second on it. But watch, see for yourself, and learn as we did.

There are good reasons why MHI staff – or their big players behind them – are hiding from a public discussion of key issues (see resources, below).

The industry’s total numbers of independents are shrinking at an alarming rate.

MHI-21stMortgageKevinClaytonClaytonHomesManufacturedHoomeCorporationsPlantsDailyBusinessNewsMHProNews_001

21stMortgageCorpTimWillamsJune112009LetterBerkshireHathawayWarrenBuffettClaytonHomesManufacturedHousingIndustryDailyBusinessNewsMHProNews-704x768 (1)

The Atlantic, IBISWorld some years back on manufactured housing, and just last month – the Nation on Buffett and Clayton – recently pointed out why.

Monopolistic forces.

 

Fair Warning

We all ignore reality at your own peril.  We can deny gravity, but jump off a cliff, and gravity proves that it exists.

State associations quit MHI because they aren’t getting the job done (see resources, below).

Some businesses are quitting MHI, because it is a waste of time and money.

We said last year what an insider told us then. The big boys figured out how to get small to medium size companies to pay for – Via MHI – what the big boys wanted done.

And the big boys have it planned where win or lose on any given issue, the big boys win. The ‘moat’ gets bigger.

That’s a pretty good reason why Richard ‘Ducking Dick’ Jennison is not only still president, but gets a raise and bonuses (see resource and related links, below).

Imagine giving a losing quarterback a raise and bonuses? To a QB that has not a single winning season?  But you extend the contract, and give bonuses?

It’s absurd on its face, unless you see this painful (‘all of this alleged’) reality.

*** The big boys keep everyone via MHI, etc. busy, chasing whatever. Go to a meeting. Send an email. Make a phone call.  Do whatever! Meanwhile, win or lose on that issue or action, the powers that be behind MHI win.  That’s the scam in a nutshell. ***

When the big boys win, odds are good many little ones lost money or it all along the way. Meanwhile, the industry shrinks “consolidates” into the hands of some of those same big players.  Very convenient?

Time to smell the coffee? Time for a new, national post-production – retailers, communities, lenders, vendors -association? ## (News, analysis, commentary.)

FollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNews600

Related:
Let’s make this simple.  If Duck, Dodging, Distraction Dick Jennison could make a good case in public, then why has he ducked out, each and every time?  The same question applies to Rick Robinson.  If they could disprove these and related concerns, why haven’t they just done so? 

Here’s another invitation, let’s do it at Tunica, later this month.  MHI, BH, got the guts?

RichardDickJennisonManufacturedHousingInstituteMHIPresidentCEOLouisvilleManufacturedHomeShow2018DailyBusinessNewsMHProNews-1024x647

SuzanneFelberFrankRolfeRichardADickJennisonAmericanHousingAdvocatesManufacturedHousingIndustryDailyBuisnessNewsMHProNews600

RickRobinsonManufacturedHousingInstituteMHIDailyBuisnessNewsMHProNews

State Associations, Companies Quit Membership in Manufactured Housing Institute, (MHI), One Explains in Writing, ‘Why?’

Busted! “Failure Bonus” Paid-Richard “Dick” Jennison, CEO Manufactured Housing Institute-per MHI Document$

‘Over Target’ Reactions, WHA Exec (ret) Ross Kinzler, Won’t Defend MHI Policies & Points to Prior MHI Failure

2012 Election Results and Coming Lame Duck Session

Inside Scoop Mulvaney-CFPB and MHI, Berkshire Hathaway Company Meeting Detail$

Finance Related:

Besides Preserving Access, there are the maneuvers that have taken place for years on the important Duty to Serve (DTS) issue.  Thankfully, the Washington, D.C. based trade group – as opposed to Arlington based MHI – has their eyes on the problematic issues emerging behind the curtain on that topic.

Plot Twist – Duty to Serve – Freddie Mac CEO Layton Called to Accountability w/Congressional, Administration Leaders Over New Manufactured Home Lending Revelations

Progressive “Nation” Reports on Monopolies Cites Buffett, Clayton, Others – MH Industry Impact?

(Third party images, cites are provided under fair use guidelines.)

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award-winning consulting, publisher, web, video, recruiting, sales training, business development service provider.

MHLivingNews.com | MHProNews.com | Office 863-213-4090 |

Connect on LinkedIn:
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What Tim Williams, Dick Jennison, Rick Robinson, Lesli Gooch, et al, Taught Me About the Manufactured Housing Institute

February 11th, 2018 No comments

 TimWilliams21stMortgageMHIChairmanRichardDickJennisonPresidentCEORickRobinsonSVPGenCounselLesliGoochForCongressMHISVPMastheadDailyBusinessNewsMHProNews

 

Hindsight is twenty-twenty. Warren Buffett doesn’t need to convince me or gain my agreement with him on that point.  On that and the value of history, Mr. Buffett and this Masthead writer would agree.

Buffett and we agree too on the value of research, reading, asking, listening, probing, and understanding.

For the record, people can disagree professionally, without disparagement.

We’ve said not one word against Clayton Homes’ products, nor against the vast majority of their people, nor against most of those in MHI’s membership, etc. In fact, professionals from those operations and 21st are among our sources. That should be obvious from the kinds of insights, quotes, etc. that we’ve produced over the last year or so.

We agree with the Urban Institute’s stated principle that evidence and the facts should guide research.

There must be good reasons why leaders at Clayton Homes, 21st, and MHI won’t engage us in a public, video-recorded discussion or debate forum. One of the reasons why they won’t do so was suggested in yesterday’s blockbuster Daily Business News report on the Urban Institute, linked below.

 

Was the Urban Institute Misled, Duped, or Part of a Manufactured Housing Industry Scam?

But another point to consider in why they won’t publicly discuss our concerns and allegations is this. Logically, if they were correct and we were honestly mistaken, they could prove it, right? Or logically, even if they know they were wrong, they could attempt to spin the truth, etc. But how do they argue against so many of their own facts, documents, track record, and their on-the-record statements, and quotes?  Isn’t that a compelling reason for them to duck, dodge, distract, and delay, instead of engaging?

21stMortgageCorpTimWillamsJune112009LetterBerkshireHathawayWarrenBuffettClaytonHomesManufacturedHousingIndustryDailyBusinessNewsMHProNews-704x768 (1)

Kevin Clayton Interview-Warren Buffett’s Berkshire Hathaway, Clayton Homes CEO

 

What They Said, Did, and Didn’t Do That Taught Me About the Realities of the Manufactured Housing Institute

Give MHI credit.  Their mixers are pleasurable.  You’re at some nice resort.  The networking has value.  All of that ‘social glue’ is arguably part of their way to keep people distracted from the sad reality that as a lobbying organization, MHI has failed to advance an agenda that helps the majority of the professionals in the industry.

We’re far from alone in believing that to be true.  State associations have now quit MHI for exactly that reason.

Maybe you have to be an ex-smoker to learn how to passionately oppose cigarettes. FYI, that’s an analogy, I’m not a smoker. Or with the same proceeding disclaimer, maybe one must be or know a former drug addict to realize just how horrible addictions can be.  As an ex-multiyear, MHI member, I’ve learned the hard, painful, and expensive lessons.

Media Should Re-Visit Dodd-Frank Reporting in Light of Congressional Testimony

 

One need not look too far back on MHProNews and MHLivingNews to realize that we supported MHI on several, but not all, issues.

Renters’ Nation: The Dark Side of Dodd-Frank and Its Impact on Affordable Housing

RichardCordrayCFPB-ManufacturedHousingRegulationsCSPANstill-InsideMHvideoPostedMHProNews-com-

While still an MHI elected board member, MHProNews created this graphic. It summarized key admissions by Cordray. Why did MHI never use it?

How Did We Come to Be Members of MHI?

Years ago, MHI members convinced me that if our organization – MHProNews/MHLivingNews/consulting, et al – wanted to be a force for positive change in the manufactured home industry, we simply had to become members of MHI.  Those voices – however well-meaning they may have been – where they in hindsight mistaken?  Or perhaps unwittingly, did those voices lead us into an unsought, unexpected, and undesired – dark grace?

A current MHI member company president told me at Louisville that what MHI has been doing for years ‘has made no sense.’ He reminded me that ‘Tony, you [MHProNews] are challenging people’s paradigms.’ He said what we know: some don’t get it. But others, like him, do get it.

Others are in between.

If that company president had a choice, I’m not sure he would be an MHI member. Why do I say that? Because he thanked me for all that we are doing to spotlight what is actually going on in our industry. As in the case of many companies, he too reports to others…

That MHI member is not alone, others have personally told me similarly.  Clearly, there are MHI cheer leaders too.

RichardDickJennisonManufacturedHousingInstituteMHIPresidentCEOIndustryMHLivingNewsDailyBuisnessNewsMastheadBlogMHProNews

MHProNews and our sister operations spent thousands upon thousands of dollars supporting MHI efforts on Preserving Access. It was a waste – save this. It forced us to look deeper into what was really going on at MHI. The photo is a still from a video, and on that video, Jennison promised – promised dozens in that room that Preserving Access would be passed. It failed. In hindsight, given POTUS Barack Obama’s promise to veto the bill, what where they thinking?  Or was it there as a show of effort, while the industry consolidated in the hands of fewer and fewer big ccompanies?

 

With that backdrop, the truth is I had several industry voices telling me – literally from the day they met Dick Jennison – that they didn’t trust the man.  I freely admit to arguing against their view, Jennison seemed like a fine gent to me. But they in time were proven right. I was mistaken.  You may have heard the old saying, “Fool me once, shame on you.  Fool me twice, shame on me.”  It was Jennison himself over time – by word, deed, and omission – that proved their points.

A different, high profile, MHI member president told me recently that he wished Jennison had never been hired.

But as noted, for some time – I liked Dick, mostly up to the point that:

Ø  women then working in the MHI office made a point of contacting and asking me to help them with a ‘hostile workplace’ issue, and they pointed specifically at Dick.

Ø  and up to the point when on camera, he began to argue for slow growth.

I was stunned at both of those bullets.

I think Tim Williams/21st would not deny in a court of law that I was stunned by Jennison’s on-camera statement, because I took it up with him personally not long after that occurred.  What association president worth their salt – working in an industry where most were then struggling for sales – would argue for slow growth?  Perhaps the most logical way to understand it, was covered in yesterday’s Daily Business News special report.

 

Nathan Smith

I liked Nathan Smith too, he’s an easy to like guy. To this day, Nathan is likeable! But how did it square with his electric personna of his that he didn’t lift a finger to even inquire about the allegations of those women in the MHI office, complaining about Dick Jennison?

In the #metoo era, in hindsight, doesn’t that looks bad?

Sexual Harassment-Not Just Hollywood, Media, Politicos-Manufactured Housing Workplace Claims, High Profile MH Cases Too?

 

Tim Williams, President & CEO of 21st Mortgage, Prior MHI Chairman

Tim Williams and I had several fine conversations over the course of many years. I quite liked the gent. I recall Jim Clayton telling me how smart Williams is.  I to this day, I would honestly agree. Tim Williams/21st is a very smart man. Judging from the kind words he gave MHProNews to publish, he liked us too.

TimWilliams21stMortgageCEOPresident-currentMHIChairman-onValueMHProNews-MHLivingNews-

 

But how did it square with Buffett’s claimed support for integrity, that Williams defended Jennison and Gooch, who had sent out a message to MHI members that was pure spin, deceptive half-truths, and not the full truth?  Why did he defend Jennison, when he arguably should have been removed his MHI president?

Or why would you reward Jennison with a raise and bonuses – a national association CEO – who year after year, failed to accomplish what the assocation said was their goal? Once more, perhaps the best way to understand that decision or those bonus/raise is covered in yesterday’s MHProNews special report.

 

Rick Robinson, SVP and General Counsel for MHI

Rick Robinson is a nice guy too. Rick is witty, clever, and a fine writer. But he was also apparently happy to look the other way when questionable things were happening at MHI.  Perhaps you can chalk it up to doing his job as an attorney for his client?

TonyIWillNotBeTakingQuestionsFromThePressRickRobinsonMHISVPGeneralCounselMastheadMHProNews

The topic was HUD, and Rick Robinson would not take questions from MHProNews, at the very time that the HUD issue was raging in MH industry circles. As a state executive told MHProNews, if they liked their position, why not get as much publicity as they possibly could?

 

These are just a sampling. These and other examples that could be cited took this writer from someone who was pro-MHI, to now, ‘you’ve got to be kidding me’ vantage point about that same organization.

 

Tim Williams in San Antonio

I didn’t need extra sources to tell me that Tim Williams stated in a room with a few dozen MHI members in it, the following. That neither Williams/21st, nor Vanderbilt (VMF), turned over data that the GSEs wanted to make DTS happen in a more robust fashion. Having sources is arguably often better than relying on yourself. But I heard Tim say as much with my own ears, and I was watching the then MHI chair saying it when he was only a few yards away from where I sat in the same meeting room.

It was a stunning set of statements.

Duty To Serve, “Complete Waste of Time” per Tim Williams, CEO/21st Mortgage; POTUS Trump, Warren Buffett Insight$

 

HUD and MHI

There came a point in time when I no longer needed sources to tell me that MHI was shadow boxing.  MHI was posturing that they wanted to modify HUD’s over-regulation. As noted above, having other sources – which we do – is often better.

That said, I personally asked numerous top-level MHI people face-to-face in San Antonio a variation on the following question. Where they going to support the removal of Pam Danner from her role at HUD?

Not one person in leadership would answer that face-to-face question!

LesliGoochforCongressManufacturedHousingInstituteMHISVPGovtAffairsRelationsManufacturedHousingIndustryCommentaryMastheadDailyBuisnessNewsMHProNews

Think about it. Lesli Gooch has been exactly as successful on getting the Preserving Access to Manufactured Housing Act passed into law as she was at getting elected to Congress…. think about it, because it isn’t a put down. Those are the sad facts.

 

Lesli Gooch, MHI SVP

Lesli Gooch’s otherwise fine letter last summer about Regulatory Reform – re: those executive Presidential orders – missed what is arguably the key point. Gooch never mentioned removing Pam Danner at all.  That statement of her’s is now public record.

How is that possible?  These are intelligent people. I’ve never called them unintelligent.

So, they surely knew that logically, the head of HUD’s MH department had a lot of power, for good or ill. Not removing Danner could make everything else they claimed to be trying, useless.

That’s how shadow boxing works, isn’t it?  All show, no go?

When the most award-winning independent retailer in MHI history told us on-the-record that he supported Danner’s re-assignment – and Doug Gorman considers Danner a personal friend – how could MHI turn a blind eye to that, and so many others who raised concerns with MHI about Danner?

Cowards?

It was after returning from San Antonio that MHI sent me an unsigned letter, with no names on it, saying I’d been removed for membership because it came to our attention that I was trade media. ‘We have no such category for membership.’  What? Don’t they claim to represent ‘all aspects of factory-built housing?’  Doesn’t MHI have (and had) members who publish, not just us?  Hypocrisy?

It was pure farce.  A cowardly fiction.

LATonyKovachMHProNewsDailyBusinessNewsMHCMD-com

Because my last MHI meeting badge – which we’ve kept as evidence – clearly reflected that we are both media and provide other industry services.

 

What These Talented People Taught Me

Talent can be used, or misused.

Rephrasing the above.  It was their own behavior, time after time, plus ongoing feedback from MHI members — including voices within the Clayton-21st circles – that began to compel me to rethink MHI.

Add to that MHI staff action, inaction, and years of failure that forced me one-step-at-a-time to realize what they in fact are doing to this great industry.

They don’t actually fight regulations, do they?  How could they claim otherwise, when in the DOE rule they are on the record as having advocated for them?

Manufactured Housing Institute (MHI) Shifts on DOE Regulatory Rule, Report, Analysis

They don’t fight the CFPB, when their own Government Relations Vice President said that it Would Not get past then President Barack Obama’s veto – if it ever made it that far.  It never made it that far.

Manufactured Housing Institute VP Revealed Important Truths on MHI’s Lobbying, Agenda

It was prominent MHI member Frank Rolfe who told me that his congressman told him that it was a waste of time to try and pass the Preserving Access to Manufactured Housing Act.  Ouch.

 

 

We editorially disagree with Ishbel Dickens on rent control, and a number of other industry and communities’ issues.

MHCs and Rent Control – Cure or Cause for Affordable Housing Crisis?

Candidates, citizens talk rent control, manufactured home community issues at ice cream social

But Dickens told me she offered MHI a compromise – to modify the MLO Rule that harmed everyone – if MHI/21st/VMF would drop their desire for the higher points and fees stance. Others in MHI later confirmed what Dickens said. Her email, is below.

IshbelDickensPhotoNationalManufacturedHomeOwnersAssocNMHOALogoDailyBuisnessNewsMHproNews

No open minded, thinking professional can ignore so many things, without putting a head in the sand.

Remember, these are just a few examples, there is far, far more.

In my own defense, I was never MHI’s yes man. Tim Williams said as much. I thought them wrong on the DOE Rule, and we editorialized on that point. I thought them wrong on the MHI stance on the fire sprinkler issue, etc.  We supported what we could, and asked politely about what seemed to make no sense.

MHI’s 990 claims they want member input, but apparently they don’t mean it?

 

Some Members Have No Choice…

I get it that many MHI members have no choice.  They tell me that they are compelled by fear, and other forces to be MHI members.

As a long-time MHI guy warned me, “Tony, these guys have long knives.”

I heard that, we understand.  But nothing changes until it is challenged.  Besides, frankly, the more public the challenge, the safer you are likely to be, IMHO. Look at Andy Gallagher. He may have committed, in the eyes of some at MHI, a faux pas. But because it was public, Gallagher is still safe in his job.

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

But Gallagher and Ayotte made just the point that we did, only differently. Pam Danner must go.  They were waiting for some magic green light to say what MHARR, Bob Crawford, Doug Gorman, MHProNews, and numerous others had said for some time.

After months of MHARR, MHProNews, some states and businesses pushing for the change, now Danner – thankfully! – is gone from the job over the HUD Code manufactured housing program administrator’s role that she had held.

But Danner is not gone because of MHI!  Rather, Danner was removed in spite of months of foot dragging by MHI.

Shake Up at HUD Manufactured Housing Program May Stop Industry Overregulation, per MH State Association

Isn’t that what the record reflects?

Are they going to seriously point to their silly resolution in Congress, rather than the obvious ask of directly calling for the removal of Danner – plus add those same concerns, as examples of why Danner needed to go?

Why has MHI so routinely been the last one to take the correct stance?  Even their former chairman admitted that the assocation had made numerous past mistakes.  MHI failure to get it right is why one of the states – see link above or below – dropped out of MHI, and they explained their reason for withdrawing.

It’s a sad, but necessary indictment of the truth about their record. Years of failure for the majority of MHI members, but those years of failure pays off for those big companies looking to consolidate the industry’s smaller companies at bargain basement prices.

That’s why the letter from AZ is so important. One of their points was along those very lines.  They pointed to success by the RV industry battling regulations that MHI failed to accomplish.

State Associations, Companies Quit Membership in Manufactured Housing Institute, (MHI), One Explains in Writing, ‘Why?’

Great point, isn’t it?

 

The End of the MHI Charade?

The

Ø  MHI charade,

Ø  or con job,

Ø  or whatever allegation or terminology one might want to use to describe it,

is not over.

 

But the MHI mask is falling off for many.

No doubt, some big companies benefit from MHI.  That’s why the organization still exists.  The big boys are happy with it.

Pragmatically, we know some who feel that they must stay, because they have no choice. But doesn’t that arguably make MHI more of a protection racket, than a normal trade association?

Extortion? RICO? Allegedly Illegal, and Dirty Side of Manufactured Housing, Exposed

 

But every single small-to-mid-sized member is arguably feeding the hand that bites their own.

MHI is firmly in the Buffett-Clayton outlined moat that uses non-profits and foundations as part of their moat-building process.  Invest the time to hear Kevin Clayton say so in the video linked here, in his own words.

GoodBusinessStrongCastleMoatAroundItUntouchableWarrenBuffettQuoteMastheadManufacturedHousingIndustryDailyBusinessNewsMHProNews

 

Warren Buffett, “the Moat,” Manufactured Housing, Berkshire Hathaway, Clayton Homes, 21st Mortgage, Vanderbilt, Wells Fargo, NAI…

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

 

The MHI Berkshire Hathaway Challenge

In fairness, MHI only does what their masters allow them to do.

Let them publicly debate in Tunica, on a video recorded discussion they and we can video too.

DebateMastheadblodTonyKovachMHProNews

MHProNews.com/Pixabay.

Let them have a panel of their experts – whomever they want! We’ll bring a panel of industry pros, and our experts too.

Let their panel try to prove our panel wrong, on any of the claims or concerns voice here or elsewhere on this pro-industry trade media site.

WithoutDebateWithoutCritismNoAdminNoCoutnryCansucceedNoRepublicCanSurviveJohnFKennedyManufacturedHousingIndustryMastheadCommentaryMHProNews

 

Do you think they have the guts to do that? If they were in the correct, why wouldn’t they?

 

The MHI Mask

Their act of trying to mitigate regulations, when they routinely fail in that – that’s getting harder and harder for them to say with a straight face.  Their clever MHI mask is falling off, slowly but steadily. Their track record is sad, isn’t it?

We editorially applaud MHAZ and their colleagues in Nevada who had the wisdom and the guts to quit MHI.  Let me assure you, that wasn’t an easy choice for them to make.  I don’t have to ask that, its understood for anyone who understands the tragedy that has been taking place in this industry.

MHCommunitiesOfAZNealTHaneyPresidentWhyTheyQuitManufacturedHousingInstituteMHIDailyBusinessNewsMHProNews600

As the Trump Administration slowly gains more control at HUD and elsewhere, expect MHI to lose credibility as a result.  That doesn’t mean they won’t have short term connections that still periodically pay off in D.C., for what Buffett called their Moat.

MH Lending, FEMA and False Profits (and False Prophets)

Circling back to the opening headline.

Tim Williams. MHI President and CEO, Richard “Dick” Jennison. Rick Robinson, MHI Senior VP and General Counsel, SVP Lesli Gooch, and others – one-step-at-a-time – helped me to see what’s really going on.

There’s far more.

But let me draw towards wrapping up this analysis and commentary, with the following.

Like Frank Rolfe, it didn’t on its face make sense to me why MHI would so often not defend the industry from media missteps, nor celebrate good news when it came from someone besides themselves.

Weather Expert’s Surprising, Bombshell Statement on Tornado Deaths and Affordable Manufactured Homes

For years, as an MHI member, we promoted the good news of manufactured housing, in the most robust way in the industry’s history, on MHLivingNews.

Why didn’t MHI support those efforts?

We were members for years, why didn’t they routinely draw attention to the good news about manufactured housing we were promoting?

Even now, when we are clearly in different camps, why wouldn’t they call attention to important pro-industry news, like the two examples posted above?

Paraphrasing Rolfe’s parallel point, it made no sense…

FrankRolfeNegativeArticlesOnIndustryNoCommentbyManufacturedHousingInstituteMHIRVHorizonsMobleHomeUniversityPostedDailyBusinessNewsMHProNews

*** …unless one realizes that MHI for many years has worked with Clayton, 21st etc. to keep industry sales low. *** Why? Arguably, by keeping sales low, that allowed Warren Buffet Moat to consolidate more of the manufactured housing – into the Berkshire/Clayton/21st et al “Moat.”

It’s shrewd.

It’s long term.

It’s exactly in keeping with Mr. Buffett’s and Kevin Clayton’s own words.

We were never alone in being betrayed by MHI. That’s other stories, for another time. Because numerous others have been betrayed too.  I’ve listened to the stories of some, and they are often heartbreaking.

I can picture the faces of some who had that stunned ‘deer in the headlights’ look, as they described their professional plights and tragedies to me.

At the time that some told me, some of that I didn’t understand in its full significance. Now, in 20-20 hindsight, I do.

Later, as the truth slowly dawned upon us here at MHProNews, after all those voices and examples and more added up, it became clear that harming independent professionals by the thousands didn’t matter to these people.

Manufactured Housing Institute (MHI) Gives Written Responses – “Part of a Rigged, Corrupt System”

That in turn hurt millions of Americans, who may – if MHI had defended the industry every time the media or some researcher gets it wrong – have been living in a manufactured home happily for years.

Defining a Problem without Offering a Solution is Just Whining. So, What’s Next?

In no particular order of importance, the following should occur.

Given all that we now know, it is my sincere hope that for the sake of the industry, MHI be disbanded, as a hopelessly tarnished brand.  That won’t happen overnight. They were given many chances to change course and reform.  They declined that every time. So, given all of the above facts, evidence, concerns, failures, and allegations — how could that mess in Arlington, VA seriously be reformed?

It is my belief that MHI’s being disbanded may happen to them,

Ø  through legal actions, started by aggrieved members, and perhaps non-members too,

Ø  as part of anti-trust efforts, that they will likely be caught up in,

Ø  unless MHI disbands themselves, voluntarily, before-hand.

As we noted in yesterday’s report, people are innocent until proven guilty.  But an attorney we asked told us they see anti-trust action as a real possibility.  As we’ve done throughout, we must call all of these matters allegations, because that is what the suits tell us we should say.

But you as readers have the ability to discern fact from fiction, with common sense, and by looking at the facts.  Skimming these facts will never lead you to the correct conclusion. That’s Buffett’s biggest edge, he reads!  He invests the time!  Only for those who make a serious study, a half a day, a day, could do it.  Start with the videos and links, above and below.

Superficiality-is-the-curse-of-the-modernWorldMatthewKellyQuoteFancyInspirationBlogMHProNews720

Seek first understanding. Don’t skim. Don’t jump to conclusions.

I don’t believe MHI can survive the string of alleged abuses long-term. So, the industry needs to prepare another option for the post production sector. Thankfully, for producers, there is already the Manufactured Housing Association for Regulatory Reform (MHARR).

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

But all others need their own voice too, as MHARR has long advocated.

Others, like the AZ community owners’ association, are hunting for their own representation in D.C.

These are de facto votes of no-confidence in MHI.  Whatever modest role we may have played in exposing the MHI charade, we’re happy to have done, within the norms of remaining pro-manufactured housing industry.

Because we don’t believe the industry can achieve its great potential, until Berkshire Hathaway’s brands and their allies are at least put into check, and MHI is supplanted.

NewManufacturedHousing1trillion9PercentNew1percentExistingHomeSales2016CreditManufacturedHousingIndustryMHProNews

If any of the above is wrong, please. MHI, Clayton, 21st – show me where, and I’ll modify this post.

If any of this is wrong, then let Clayton-21st-MHI gather a panel, and let us gather a panel  We’ll debate it publicly in a third-party moderated forum, and video the entire discussion, so that the entire industry can see it. There is not a day go by that we don’t pray for them, pray for the honest liberation of this great manufactured home industry, and pray for you too.

ProblemSolutionTiredOfFightingGiantsInARiggedSystemMastheadManufacturedHousingIndustryMHProNews600x2345

iReportMHNewsTips@mhmsm.com Put “News Tips” in the Subject Line.

What more needs to be said today?

AllTruthPassesThrough3StagesRidiculedViolentlyOpposedAcceptsSelfEvidentArthurSchopenhauerQuoteGalleryMastheadBlogManufacturedHousingIndustryMHProNews

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

(Third party images and information are provided under fair use guidelines.)

L. A. “Tony” Kovach is an award winning manufactured housing industry veteran, and is the managing member of LifeStyle Factory Homes, LLC – the parent company to MHLivingNews.com, MHProNews.com and professional service provider to the factory-built housing industry.

Connect on LinkedInhttp://www.linkedin.com/in/latonykovach 

Terry Decio, Skyline Homes, “The Secret” – The Rest of the Story

January 2nd, 2018 No comments

TerryDecioTimeMagazineCoverTheSecretTopSecretManufacturedHousingIndustryMastheadMHProNews575

I’m tired of being the best kept secret. I’m ready to help house America.” – Terry Decio, Skyline Homes, to MHProNews.

What happened?

The Rest of the Story, 1…

Several of the brands that the industry knows today are not the same brand as they were a decade or more ago.

Palm Harbor. Fleetwood. Champion. The prior versions all went into bankruptcy, and later were reborn under a different structure.

But they are far from alone.

Literally thousands of manufactured home operations, including, but not limited to:

  • Retailers (dealers),
  • Land lease Communities (a.k.a manufactured home communities, “parks”)
  • Producers (builders of federally regulated HUD Code manufactured homes, some build modular, park model, or other products too),
  • Lenders/Financial Services, and
  • a variety of other products, service, and component providers

have either gone out of business, or sold out to a larger/deeper pockets operation.

What happened?

 

Business Cycle, or…

Businesses start and fail every year. That happens for a range of reasons.

The question in manufactured housing ought to be this. Did numbers of the wave of thousands of failures/consolidations get an unethical/illegal shove to help them exit?

If so, how was that done?

 

The Rest of the Story, 2…

MHI’s SVP and General Counsel Rick Robinson publicly, and MHI in writing, have referred to our manufactured housing trade publications as news sources.

TonyIWillNotBeTakingQuestionsFromThePressRickRobinsonMHISVPGeneralCounselMastheadMHProNews

Trade media, as with all of the mainstream press, can include News, Analysis, and Commentary. On this Masthead, publisher’s blog, you find all three.

Claims, controversies, and allegations ought to be tested by reason and known facts.

We don’t publish capriciously, knowing that an error could be embarrassing. Still, readers should question, us and those we publish about.

Ask questions. Seek the truth. Such issues impact your business and bottom line.

We’re not a court of law, but fully expect to be called to testify under oath to a variety of matters that impact the manufactured home industry.

LegalGavelLawMastheadBlogManufacturedHousingIndustryMHProNews

While courts won’t compel testimony about confidential, protected sources, they can ask about the reports themselves. The day is coming, we believe, when that takes place.

There will no doubt be lists.

Who did what?  Who supported, or opposed, what? Why?

Where laws broken?

Were steps taken that create legal exposure or liability:

  • for the national association (MHI),
  • its members,
  • or those who control it?

 

What Happened to Manufactured Housing?

While there are a range of factors, we believe in what’s obvious. What facts and common-sense reveal. There’s no need for a complex conspiracy theory.

Warren Buffett’s Berkshire Hathaway took over Clayton Homes, Oakwood Homes, related lending, retail, and later other production, service, supplier businesses too.

Mr. Buffett’s a self-proclaimed, long-term thinker, and he likes “moats.”  Just consider what Buffett said, in his own words, and line that up with what’s happened in manufactured housing.

Warren Buffett, “the Moat,” Manufactured Housing, Berkshire Hathaway, Clayton Homes, 21st Mortgage, Vanderbilt, Wells Fargo, NAI…

 

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

The executive committee and dues structures of the Manufactured Housing Institute (MHI) make it clear that Berkshire Hathaway owned units exercise great influence at MHI. That control is widely known, in and out of our industry.  It’s just that few in manufactured housing (MH) dare say plainly and publicly that MHI is Berkshire Hathaway’s mouthpiece.

MHI, on issue after issue, has led the industry into dead ends, or avoidable, and even problematic places.

Who says?

  • Their former chairman, Nathan Smith, in a video that’s been hiding in plain sight. He voluntarily said that MHI had failed in the past at being pro-active.  The beginning and end of this video that follows are perhaps the key takeaways from 2:16 seconds.

 

  • Their former Government Relations Vice President (Later SVP), in an on-the-record statement he sent to MHProNews.

Manufactured Housing Institute VP Revealed Important Truths on MHI’s Lobbying, Agenda

  • Their former president, before exiting, in a written statement that may be more interesting today then the day it was first published in the Journal.
    ChrisStinebertManufacturedHousingInstituteMHIPresidentCreditTheJournalManufacturedHomeProfessionalNewsMHProNews

    While what Stinebert said is interesting, what may be more interesting is that he waited to exit MHI before he provided this list of concerns. Isn’t that a de facto admission that these issues – lending, image, education, etc. – are those that MHI failed to properly address? Click to download.

Then, there’s a range of comments by MHI members, researchers, attorneys, and others. Those statements, published on or off our sites, speak for themselves.

 

The Latest

MHProNews has learned from an informed source that MHI has executed non-disclosure agreements (NDA), allegedly with several MHI staffers.

What is MHI hiding?

Who are they hiding that information from?

MHI members?

MH Industry at large?

Public officials?

Are they trying to hide something that is scandal related, and/or something else?

Sexual Harassment-Not Just Hollywood, Media, Politicos-Manufactured Housing Workplace Claims, High Profile MH Cases Too?

Keep in mind, that MHI refused to release to this publication even items that sources tell us they are legally obligated to do so.  Items like their current and previous bylaws.

Why hide that, someone might ask?

With their bylaws in hand, one might be able to understand revealing issues.  For example, have their been prohibited conflicts of interest – that may have harmed other MHI members, and/or the industry at large?

Millions have been spent and years wasted pursuing the Preserving Access to Manufactured Housing Act.

In hindsight, isn’t it obvious that it would never pass while Barack Obama was president? Didn’t MHI’s own VP said as much, years in advance? Again, see the link to MHI GR VP, Jason Boehlert, above.

We have documents from 21st Mortgage, signed by Tim Williams.  Mr. Williams was MHI’s chairman for years.

Killing Off 100s of Independent Manufactured Home Retailers, Production Companies – Tim Williams/21st Mortgage “Smoking Gun” Document 2

No one has claimed these 21st documents aren’t authentic.

In fact, we have dozens within Berkshire Hathaway owned units – including their top people – who we are reliably told have carefully reviewed those report, and the others in our periodic series of reports on MHI and Berkshire Hathaway.

We’ve given

  • MHI,
  • their executive committee,
  • and top people at Berkshire Hathaway owned brands the
  • chance to rebut, clarify, or refute our reports and analysis.  We’ve invited them to share statements on these issues that we’d publish.

Field Reports – Clayton to Continue Push for Industry Dominance

After years of MHI publishing or commenting with us, about a year ago, they largely stopped even answering questions.  Why?  Is it because their own words have so often pointed a finger against their own actions?

“Accurate, but Misleading” MHI Preserving Access to Manufactured Housing Act Alert – ‘Weaponized New$,’ Fact Check$

Don’t be surprised if they publicly push back in 2018.

At some point, don’t they have to, to keep their consolidations going?

NewManufacturedHousing1trillion9PercentNew1percentExistingHomeSales2016CreditManufacturedHousingIndustryMHProNews

For the 400 word executive summary, click the above.

MHI et al have already pushed back privately to our allegations and reports, in a variety of ways that we have documented for the appropriate time.

AllTruthPassesThrough3StagesRidiculedViolentlyOpposedAcceptsSelfEvidentArthurSchopenhauerQuoteGalleryMastheadBlogManufacturedHousingIndustryMHProNews

EveryoneIsEntitledTotheirOwnOpinionsButtheyAreNotEntitledTotheirOwnFactsDanielPatrickMoynihanMHLivingNews

What Happened, Part Three

We rely on industry inputs and insights. So, we don’t write or do videos out of thin air. We’re followed by businesses and professionals across the size and political spectrums, in part because we’ve got the “street cred,” as one executive put it.

MHI has significant influence over state associations.

So, MHI “housing alerts” or “MHI News” they send to their own members are also arguably “weaponized” to reflect whatever the insider groups want, and reach well beyond their own membership.

Duty To Serve, “Complete Waste of Time” per Tim Williams, CEO/21st Mortgage; POTUS Trump, Warren Buffett Insight$

As an MHI connected source told us last year the following bombshell. The big companies have figured out how to get what they want, by using MHI – and the smaller companies are helping pay for what the big firms desire.

We’ve observed that previously, ‘Feeding the hand that bites yours,’ but to hear it as an admission from an insider, that’s telling.

There are two prime sources of in manufactured housing that have proven willing to push back publicly on MHI and their methods.

  • MHARR, and
  • LifeStyle Factory Homes, LLC (MHProNews.com/MHLivingNews.com) trade media.

MHARR vs. MHI on DOE Energy Rule, Pushback Pay$ Off?

MHARR and we are independent of one another.  That’s healthy and good.  We’ve at times taken editorial positions that were contrary to MHARR’s view.

Frankly, at times, we later discovered that MHARR was correct.

DutyToServeManufacturedHousingMMarkWeissJDPresidentMHARR-MHProNews-

There’s an affordable housing crisis that is raging, and growing.

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

It has often tragic, real world, consequences.

NLIHC CEO Responds on HUD’s Worst Case Housing Needs Report, MH Leader Reacts

Homelessness in America, and Factory-Built Housing

Manufactured housing has enhanced preemption, under federal law.

titleVI-manufactured-housing-improvement-act-2000-mhia-2000graphic-posted-daily-business-news-mhpronews-

http://www.mhpronews.com/blogs/daily-business-news/wp-content/uploads/2014/12/Manufactured-Housing-Improvement-Act-of-2000-posted-Daily-Business-News-MHProNews-com-.pdf

That enhanced preemption could allow manufactured home retailers to ease the affordable home crisis for potentially millions of Americans, without taxpayer dollars being needed.

Harper – Thank You Rev Donald Tye, Fighting for Enhanced Preemption of Manufactured Homes

Yet, MHI has often failed to push HUD on a variety of issues.  MHI’s been forced to pivot on a range of issues.

HUDCodeManufacturedHomeProgramShakeupDrainTheHUDSwampManufacturedHousingIndustryDailyBusinessNewsMHProNews525

You can fool some of the people some of the time

MartyLavinHUDCodeDeadlyDiscriminationCode-IndustryVoicesMHProNews-e1472170900504

Warren Buffett said it in his own words.  Mr. Buffett doesn’t expect people to learn the lessons of history.  He expects to build his moat.

WarrenBuffettQuotesPeverseEasyThingsDifficultChainsHabitLearnFromHistoryPeopleDontLearnFromHistoryManufacturedHousingMHI-MHProNews

He even publicly supported the candidates that gave the industry the very thing that Tim Williams, then MHI chairman, said they were working to undo.

Documented Conflict Between 21st Mortgage CEO Tim Williams, MHI Chair, and Warren Buffett, Chairman of Berkshire Hathaway

What Happened?

Isn’t the truth hiding in plain sight?

Frank Rolfe is like the rest of humanity, right on some things, wrong on others.  One can safely bet that he’s 100 percent in favor of whatever he believes his and his partners interests to be.

Frank Rolfe Blasts MHI for Poor Media Engagement, Industry Reactions

Rolfe criticized several MHI initiatives and what he said where their failures to act.  Recently, Rolfe want silent.  Isn’t 21st Mortgage – owned by Berkshire Hathaway – one of the companies that advertise on his website.  Coincidence?

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

If every person we’ve accurately quoted suddenly changed their tune, one would have to ask the questions a journalist does, starting with, Why?  

There will be lists.

People will follow the money, and analyze it – within and outside of MH.

FollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNew

MHProNews and others are and will be taking names, and organizations.

Maxine Waters Statement, Preserving Access Manufactured Housing Act 2017, Warren Buffett, Clayton Homes

With the Trump Administration signaling anti-trust (anti-monopoly) actions in the future, and with Democrats also pushing the anti-monopoly theme, will it be a surprise if hearings are held about manufactured housing?

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

Warren Buffett, per third parties, has a big concern once he passes; the break up of his empire.

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

You’re one of the best things we have going [in manufactured housing.]” – Terry Decio, to MHProNews/MHLivingNews.

There are those who realize that we’ve worked for years to get the truth out about the glories of manufactured housing, which includes the realities that there are millions of happy home owners.

Manufactured Home Owners – Satisfaction Survey Redux

But those positive efforts have occurred while MHI has either sat on its hands – or arguably worse – tried to undermine the very pro-industry growth steps we’ve spotlighted?

Extortion? RICO? Allegedly Illegal, and Dirty Side of Manufactured Housing, Exposed

Some love the meetings, and the MHI comradery at MHI meetings.  I enjoy those social and networking things too, so I get it.  But to some, they can’t get passed the  fact that they like certain people, and they therefor can’t imagine someone with ill intent taking advantage of them.

 

To those, let me suggest the lesson of detective character, Sherlock Holmes, that may help make sense of how the apparent outrages alleged are possible.

Give us a logical,  alternative explanation.  Do it on-the-record, please. Let’s debate MHI effectiveness and their behaviors in recent years, on the record via video for all to see, please.

WhenYouHaveEliminatedTheImpossibleWhateverRemainsHoweverImprobableMustBeTheTruthSHerlockHolmesDailyBusinessNewsMHProNews

you-can-fool-all-the-people-some-of-the-time-and-some-of-the-people-all-the-time-but-you-cannot-abraham-lincoln-quoteDailyBus

Did BH use MHI – past and present – and the power or regulatory burdens throttle an industry that was poised for serious growth?

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

Didn’t MHI have the ability to end some of that burden by negotiation, and fail to take that option?  Why?

MultipleReasonsExpectManufacturedHousingDoBetterThanSiteBuiltHousingEricBelskyEecDirJointCenterHousingStudiesHarvardUnivDailyBusinessNewsMHProNews

How could Harvard have missed their projection for manufactured housing domination?

Are stressed, busy MH Professionals missing the truth hiding in plain sight of how MHI shifted since Berkshire Hathaway took control of their organization?

Appealing Manufactured Housing Institute (MHI) Marketing, Finance Booklet Reviewed

Could that shift have been through a Buffett-style moat-plan?

Alan Amy isn’t alone in this observation stated in this focused video.

The day will come when the constraints on manufactured housing could be lifted.  When enhanced preemption will be enforced.  When that day comes, what will be left among the manufactured housing independents that existed a decade ago?

AmericasFastestDyingBusinessMobileHomesManufacturedHomesAtlanticIBISWorldDailyBusinessNewsResearchDataReportsMHProNews

IBISWorldAtlanticManufacturedHousingIndustryDailyBusinessNewsResearchReportsMHProNews

Manufactured homes were predicted by a Harvard researcher to dominate by the end of the first decade of the 21st century. What happened? Accident? Or a moat like plan, hiding in plain sight, executed by MHI?

Did they get an unethical, liable, or illegal push?

The Decio family had Art featured on the cover of Time Magazine decades ago, what happened since then?

We Provide, You Decide.” ©

Keep in mind, while there are several sources for information, there are to my knowledge only – broadly speaking, two – which have been willing to seriously take on BH and MHI.

MHARR and ourselves.

Rep. Mark Meadows (R-NC) Finds Manufactured Home Industry Support for Reform bill

MHI took themselves out of the picture of routinely communicating with us, about a year ago, after an initial series of exposes and analysis we published on them.  Coincidence?

Why is it that state associations, or MHARR, are often more successful than MHI?

McCrory Lawsuit – “Significant Victory Against Zoning Discrimination” – Manufactured Homes

Associations are supposed to be a tool for businesses to work together to impact regulatory and other issues.

What would do you do when you discover that your national association has been working the interests of the majority of the industry’s independents?

Do you keep feeding the hand that bites yours?

In my days as a manufactured home retailer, we used to advertise on a station as the sponsor of famous Paul Harvey’s, “The Rest of the Story.”

You don’t know all of it, but do you have more than enough linked above to reveal the truth that is hiding in plain sight?

2018 will be a year to watch.

Expect some more revelations, that you may only find published here on MHProNews. ## (News in review, commentary, analysis).

Related Topical Update:

SkylineChampionHomeBuildersMergerPlanAnnouncedDailyBusinessNewsMastheadManufacturedHousingINdustryMHProNews

http://www.mhpronews.com/blogs/daily-business-news/skyline-homes-and-champion-home-builders-to-merge/

 

TwitterFacebookLinkedInNew Year’s Resolution: On this 9th day of Christmas, a request.  This writer already has one of the largest LinkedIn followings in the manufactured home industry. But we’ve frankly not asked for Twitter, or Facebook followers. That changes, starting today. If you want to keep up with posts relevant to the industry, you can connect via the links below.

https://www.linkedin.com/in/latonykovach/

https://twitter.com/LATonyKovach @LATonyKovach
https://www.facebook.com/tony.kovach.71

 

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We agree with Warren Buffett on the value of the lessons of history, reading and research. Without those deep insights, the wool can be pulled over other people’s eyes.

By L. A. “Tony” Kovach.

Kovach is the award-winning managing-member of LifeStyle Factory Homes, LLC,
parent to MHProNews, and MHLivingNews.com.
Both are #1 in their categories.

Kovach is one of the most endorsed and recommended MH industry professionals in all of manufactured housing.

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.

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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.

 

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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. 

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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.

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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.

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

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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.)

 

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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