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Multibillion Dollar Opportunities Knock in Solving Affordable Housing Crisis

May 1st, 2019 No comments

 

MultibillionDollarOpportunitiesKnockSolvingAffordableHousingCrisisLATonyKovachManufacturedHomeMHProNews

In a truly free enterprise system, various needs are identified. Then a means of profitably yet honestly serving those needs are established. Ideally, both the customer and product/service benefit. The happy customer(s) then tell or send their friends.  That pattern repeated often enough yields success.

 

For millions, perception is reality.

For millions, the words “manufactured homes” – if understood at all – brings up images of old mobile homes. Properly understood and acted upon, that is both an obstacle and an opportunity in disguise.

To make a point about misunderstandings about manufactured homes, let’s first step back and consider a few subjects that are divisive and raise widely differing views and reactions.

 

  • Climate change.
  • Abortion.
  • Income inequality.
  • President Donald J. Trump or former President Barack H. Obama.
  • Socialism.
  • Immigration and the U.S. Mexican border.
  • Democrats or Republicans.
  • CNN, MSNBC, or Fox News.
  • Big Tech and Monopolies

 

The list could go on and on. But that is enough to make the next point. Millions of intelligent people are on either side of those issues, organizations, or personalities.

So why is it a surprise that there is a wide disparity of views on manufactured homes?  By the way, to us, manufactured homes – like affordable housing – are non-partisan or bipartisan issues.

 

Opportunities Knock

Applying the point above, there are stark differences between how some insiders involved in manufactured housing view the following.

  • The Manufactured Housing Institute (MHI), Arlington, VA.
  • Clayton Homes and their affiliated lenders, based in the Knoxville, TN metro.
  • Warren Buffett and Berkshire Hathaway, in Omaha, NE, where their annual meeting is about to be held.
  • Prosperity Now (formerly CFED)
  • Manufactured Housing Action (MHAction)

to name but a few.

Interestingly, the central bullet listed – Warren Buffett and Berkshire Hathaway – are tied by investments, traceable donations, or other financial/advocacy interests to all of the above.

It should go without saying that Buffett, Berkshire, their BH Media Group and other media access, plus their billions could promote a clear and compelling case for modern manufactured homes.  It is the most proven permanent form of affordable housing in U.S. history.  So properly understood, investing in manufactured housing is a safe bet.

 

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Each photo is of a modern manufactured home, which can be 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 all built to federal construction and safety standards that went into effect on June 15, 29176, administered by HUD, and are thus known as “HUD Code Manufactured Homes.”

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Buffett enters an industry precisely because he thinks it is a good bet.  So the fact that Buffett and Berkshire could use media and marketing to successfully break through the noise about manufactured homes – leads a clear-thinker to this interesting possibility. They arguably don’t want to clear up the misinformation about manufactured homes at this time.

If fact, sources that have received directly or obliquely funding from Buffett and Berkshire have attacked him and his manufactured housing business units. It is a fact that MHAction is listed as having co-authored a white paper that Last Week Tonight with John Oliver used as a central source for his viral “Mobile Homes” video.

Buffett/Berkshire on a variety of examples have been on both sides of an apparent fight. Beyond the John Oliver/MHAction example, let’s look at one more instance.

The Preserving Access to Manufactured Housing Act aimed at amending Dodd-Frank. It was authored and promoted by MHI, Clayton Homes, and their Berkshire Hathaway manufactured home lenders.  Yet Berkshire Chairman Buffett himself backed candidates Barack Obama for re-election to the presidency, and Secretary Hillary Clinton, both of whom opposed any changes to Dodd-Frank. Prosperity Now – then known as CFED – opposed those changes. MHI, and dozens of state associations supported Preserving Access.  These are easy to document facts.

Buffett backed forces were on both sides of the Preserving Access fence. The reasons that can be profitable to him are many.

Th objective mind is left with this impression. Buffett and his allies have a motivation to obscure the truth and performance of manufactured housing at this time.

 

Behind Every Deception is a Motivation

Stating the Obvious can clarify an issue. When intelligent, successful people are behind some deception, there must be a motivation.

Further, good marketers know that you either define yourself, or others will define you – often to your detriment.  But what if you funded undermining the message, precisely to harm the interests of smaller players?  What if that allows you to consolidate at a discount other firms?  Doesn’t that – in a cunning fashion – fit the ‘value investing’ principle Buffett himself portrays?

There is evidence that we won’t dive deeply into in this column that suggests that Buffett and his allies know precisely how valuable manufactured housing is, which is why he entered the industry in the first place.

Using Buffett’s strategic Moat principles, the Omaha-Knoxville-Arlington axis are slowly building a monopoly that would have been barred by federal antitrust regulators had that been done swiftly. That doesn’t mean that they haven’t violated antitrust laws.  Berkshire connected documents and their own words are linked here, which lays out the trendlines.

That hypothesis must be proven in a court of law, or by some sort of pleading between the harmed parties and those accused of market manipulations that arguably violate multiple laws.

So how can those who have strong evidence against them respond?  They have been given multiple opportunities, and they don’t respond at all, not directly. Rather, they seek to undermine those who dare challenge and expose their #RiggedSystem.

 

 

Opportunities in Disguise

Every problem that is properly understood in a free enterprise system is an opportunity in disguise. The fact that the Omaha-Knoxville-Arlington axis and their nonprofit surrogates are on both sides of several issues can dissuade some from getting into manufactured housing.  Perhaps wisely so.

But others will see or discover that if they are willing to lawfully use such insights, the opportunities to prosper while honestly serving potentially millions of Americans arises.

Restated, this revelation means that those willing to challenge Buffet/Berkshire may find the key that unlocks the door that solves the affordable housing crisis. Doing so is good for federal, state, and local budgets. Addressing affordable housing needs are good for taxpayers.  It is good for those stuck in a lifetime of paying for rental housing.

Such efforts to buck Buffett and his minions can be successfully done at the local, regional, or national levels. It doesn’t require infinite resources.  But it does demand serious resources, will, and staying power to cut through the Moats around the Clayton and their lending castles that Berkshire brands have established or allowed to exist and expand.

The evidence that they can be beaten is in or linked from this very article.  The irony is that these same point-people allied with Knoxville and Arlington praised our work for years.  Right up to the point that we began grasp, unravel, and then to publicize their questionable activities.

 

TimWilliams21stMortgagePublicationDailyBusinessNewsMHProNewsMHLivingNews1

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

 

We are more than publishers here at MHProNews/MHLivingNews. We’ve been acknowledged and praised by some of the very people that now seek to oppose our pro-industry and ethical pro-growth work. Our parent operation and related business units have had documented success at turning around previously struggling or even failed situations in manufactured housing.

That may be seen as a threat to some, but as a blessing in disguise to others.

Just as there are a range of viewpoints on the hot button issues noted above, or on

 

  • manufactured homes,
  • land lease communities (a.k.a. ‘mobile home parks’),
  • manufactured housing financing,
  • or other aspects of the broader factory built housing industry

 

there are a range of views – past and present – about this writer, our publications, and our business development and related training, recruitment, and consulting services.

Given a highly polarized America, where hidden agendas often are at work, is it any surprise that there are differing views about myself or our proven systems?

 

DannyGloverQuoteItsNotOnlyAMonopolyOfWealthItsAmonopolyofInformationasWellDailyBusinessNewsMHproNEws

You may or may not agree with Danny Glover on a range of issues. At MHProNews, we use a ‘wheat and chaff’ principle. That statement by Glover is demonstrably insightful. This quote is wheat. We buck the monopoly of obscured information that the Omaha-Knoxville-Arlington axis have purportedly fostered. 

 

The truth has been weaponized by some, hoping to push an agenda they believe benefits themselves. To some, it doesn’t matter how many independent businesses are harmed, or how many millions of lives are being cheated of an opportunity to own and build personal wealth.  Secretary Carson said in 2017 that the average rental household has a net worth of some $5000.  The average homeowner household, per Carson, has a typical net worth of some $200,000.  Some of the very nonprofits that Buffett’s largess is aligned with have made similar arguments. Prosperity Now and the Ford Foundation, to name but two, have made the case that manufactured housing is a proven path to building personal wealth.

It requires an expert to discern what is real news and what is ignorant, fake, spin, or weaponized news when it comes to manufactured housing.

See the related reports, linked below the byline and notices for specifics.

For business development, recruiting, training, and consulting services worthy of their name and value, click here.

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Submit confidential or on-the-record news tips, or comments at this linked email mailto:iReportMHNewsTips@mhmsm.com.

For media and researchers looking for the story of a lifetime, click here and put “News/Researcher Inquiry” in the subject line.

We believe in this industry, its potential, and know it from the inside out.  Buffett and his buddies believe in manufactured housing too, and they deploy their methods to keep others at bay.  We believe there are several proven ways to foil them profitably.

Time is money. Knowledge is potential power. “We Provide, You Decide.” © ## (News, commentary, analysis.)

(See Related Reports, further below. Text/image boxes often are hot-linked to other reports that can be access by clicking on them. Third-party images and content are provided under fair use guidelines.)

LATonyKovachQuoteManufacturedHousingIndustryWontReachPotentialAddresscoreIssuesArtificallyholdingitback466By L.A. “Tony” Kovach – 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

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Related References:

The text/image boxes below are linked to other reports, which an be accessed by clicking on them.

Prosperity Now, Nonprofits Sustain John Oliver’s “Mobile Homes” Video in Their Reports

B2B Statistics, Trends 2019 – April 2019 Snapshot of Manufactured Home Professional Readers

 

Profiting & Correcting – Manufactured Housing Traps, Pitfalls and Swindles

Conquest Capitalism – Thoughts of Chairman Warren Buffett – Billionaires Campaign to Control Trillion Dollar Affordable Housing Market

Warren Buffett’s Moat, Understanding Manufactured Housing Requires Grasping Strategic Economic Moats

 

 

 

Manufactured Housing Institute Members Defending MHI, Great Debate About Manufactured Home Industry Progress, Problems, and Profits

March 4th, 2019 No comments

 

ManufacturedHousingInstituteMembesDefendingMHIGreatDebateAboutManufacturedHomeINdustryProfessProblemsProfits600x315

Both of these messages are from the same person. There will be an upcoming report with on-the-record comments from an MHI board member.

 

The company of the professional quoted below has been a Manufactured Housing Institute (MHI) member for a number of years, and is not a member of the Manufactured Housing Association for Regulatory Reform (MHARR).

The messages were part of a longer thread, and the MHI member was addressing moi – L.A. ‘Tony’ Kovach, MHProNews’ publisher.

You seem pretty aggressive against MHI?  There must be history there. To me, we need groups like them to move the industry forward.  There have been some huge ups and downs but we seem to be on the rise.  I have never been in the politics of the industry.  Im just glad people out there like MHI care and are willing to spend time trying to make the industry better.”

Here’s another pull-quote, from a significantly longer, back-and-forth discussion.

Tony, No worries with offending me.  My company is connected with MHI but they have never put a dollar in my pocket.  Like everything else, I use the resources the industry has and work harder than most people daily which has been my recipe for success.” 

 

 

Shocked?  We Agree With Most of What That MHI Member Said

Editorially and logically, we agree with much of the quotes above.

  • There is history between MHProNews, and the powers that be. We were an MHI member for about 7 years.  We know the association from the inside.  I was elected by peers to be a board member on the MHI Suppliers Division. That’s history.
  • There is a need for effective post-production association leadership. The question isn’t is there a need, of course there is.  The question is, has MHI provided that role successfully?  With new home shipments declining nationally and in numerous states, during an affordable housing crisis, isn’t the obvious answer – no?
  • That MHI member said the Arlington, VA based trade group “never put a dollar in my pocket.” Yet his firm has paid money, sponsored items, and invested significant time. Closely viewed, everything that member said is an indictment of MHI, not an effective defense.  Hello?  Anyone else see a problem with that admission?

MHI award winner Marty Lavin said last year that MHI does what the big boys want, not what the others want – unless it happens to line up with the big boys desires.

 

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Kevin Clayton said in the video on the report linked here that it would be okay with “Warren” if they lost money for “five years” so long as they grew their moat. They’ve not lost money, but they are making less money than the ought to be during an affordable housing crisis. So, let me repeat the obvious, there is no way that any investor, advocate, public official, or industry professional can understand manufactured housing since 2003 without understanding Buffett’s moat concept, and how that has played out in MHVille.

 

Odds Are This Has Impacted You For Years

  • Are you a non-Berkshire Hathaway lender? This troubling trend of apparent MHI failures impacts you.
  • Are you a non-Berkshire Hathaway producer? This ostensible trend of MHI fumbles impacts you.
  • Are you a non-Clayton Homes retailer? Then this troubling trend of purported MHI failures impacts you.
  • Have you sold a manufactured home retail center or manufactured home land-lease community in recent years? This trend has arguably cost you money.  By the way, purported market manipulation – documented here – could be cause for a class-action lawsuit.  Those are often done by plaintiffs’ attorneys who work on contingency. If this is you, touch base with us. We’ve already spoken with such attorneys, they – attorneys – see merit.
  • Note, there are attorneys who have told MHProNews that MHI could likewise be liable, given certain facts. More on that in another report.

 

We’ve navigated the various slings and arrows that the Omaha-Knoxville-Arlington axis, their periodic surrogates like George F. (F?) Allen, Darren Krolewski, and their allies have run interference for MHI, and company when the pattern is ever more apparent.

It was about 5 years ago that this writer wrote an article The High Cost of Low Volume Sales. Within weeks, U.S. Bank exited manufactured home lending.  They were not alone.

 

ManufacturedHomeMHShipments1990-2017MastheadManufacturedHousingMHProNews600

20 years ago, manufactured homes outsold RVs by about 3 to 2. Today, RVs outsell manufactured homes by some 5 to 1. Manufactured homes are normally purchased for full time living, many RVs are for recreational or part time living. Many RVs – which are towable as well as motorized – can be higher than a manufactured home. The cost per square foot for a manufactured home is routinely lower.

 

Low volumes of new manufactured home sales is costly. The causes of low volumes of sales are many.

 

Arrested! Triple Homicide, Arson of “Mobile Home,” Crime and Affordable Manufactured Housing Resistance

 

The report linked above explains just part of the issue that faces manufactured housing that is arguably not been addressed by MHI, or their puppet masters in the Omaha and Knoxville metros. The article below is another problematic trend that MHI et al are failing the industry on.

 

Rent Control & MH – Politicians “Are Carpet-Bombing Our State With Regulations That Will Deliberately Destabilize The Housing Market And Leave It Obliterated”

 

That’s enough for today, other than this.

We’re calling on industry independents to meet at Tunica to start the process of organizing a new post-production trade group.  It’s our aim to bring it to birth, not to operate it. MHARR is focused on production advocacy and include lending (DTS) issues too, NAMHCO is focused on communities. Who is speaking for the rest of the industry’s independents?

 

TimeOrganizePostProductionRetailSuppliersVendorsLendersOthersPostProductionFirmsMustDoWhatMHARRsBeenDoingforProducersNAMHCOforCommunitiesMHProNews

Contact Tony@MHMSM.com for meeting times at Tunica 2019 in March. Put the phrase, New MH Association Inquiry in the subject line.

 

The trend line is what it is.  This is your klaxon. Grab your favorite energy drink, and let’s get to it, shall we?  The future of independents in manufactured housing is on the line. “We Provide, You Decide.” © ## ## (News, commentary, and analysis.)

(See Related Reports, further below. Text/image boxes often are hot-linked to other reports that can be access by clicking on them. Third-party images and content are provided under fair use guidelines.)

LATonyKovachQuoteManufacturedHousingIndustryWontReachPotentialAddresscoreIssuesArtificallyholdingitback466By L.A. “Tony” Kovach – 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.

 

Related References:

The text/image boxes below are linked to other reports, which an be accessed by clicking on them.

 

Manufactured Housing’s Top 10, March 2019

Former Manufactured Housing Institute President, Manufactured Home Owners, Urban Institute, and You

Conquest Capitalism – Thoughts of Chairman Warren Buffett – Billionaires Campaign to Control Trillion Dollar Affordable Housing Market

 

Bridging Gap$, Affordable Housing Solution Yields Higher Pay, More Wealth, But Corrupt, Rigged Billionaire’s Moat is Barrier

Manufactured Housing Institute’s Three Stooges? SECO ‘Leaders’ George F. Allen, Spencer Roane, Tom Lackey and ‘Rent to Own’ Scams?

“The Illusion of Motion Versus Real-World Challenges”

HUD Code Manufactured Home Production Decline Persists – Time For Action Not Excuses

 

 

 

 

 

 

 

Don’t Be Another Victim, Push-Back Pay$, Phase Two of Manufactured Housing Revolution

January 14th, 2019 No comments

DontBeAnotherVictimPushBackPaysPhaseTwoManufacturedHousingRevolutionDailyBusinessNewsMHProNews

If you look around the world, Americans have much to be grateful for, and so too does our once far greater industry. But as one carefully peers and ponders the details, one begins to sees that there’s so much more that could be accomplished in our nation.

 

 

The same holds true for manufactured housing (MH).

Our MH Industry has underperformed for decades.  What will you do about it?  How will you be part of the solution?

Let’s be blunt. Thousands of our fellow industry independents have already failed. Don’t believe it? Click to see the third-party, data-laced report by the Atlantic’s Derek Thompson by clicking the linked text/image box below.

 

Examining Derek Thompson’s Atlantic Report on ‘Mobile Home’ Retail Market as Fastest Dying Business In America

 

Derek’s data points – linked above – are your latest third-party-inspired wake up call.  It’s sobering.

 

 

Bigger Boys, But Not A Giant?

While thousands of our readers are from mom-and-pop operations, direct reader-feedback plus third-party metrics tell us that this is the runaway most read by the so-called ‘big boys’ too, and all those in the mid-ranges under that big boy level too.

Useful information and straight talk vs. spin and happy talk pays.

Never forget or ignore authentic manufactured home history.

The old Fleetwood and Champion homes of 20 years ago are gone. Once the two leaders in MHLand, the only things left of old Fleetwood and Champion are their names. Hey, it was Warren Buffett’s annual letter that declared those two plus Oakwood had once held 44 percent of the industry’s market share.

The old giants of yesterday fell, in what now today is only MHVille.

Since Buffett wrote that, Clayton hovers around 50 percent market share. Want to wait until it is 60 percent, or more?

The Atlantic report is just one of numerous reminders that thousands of pros who once had successful, thriving businesses are no more. Many were millionaires in their day. Today, their old firms are Dust in the Wind.

Don’t think it can’t happen to you. It’s happened to thousands of others. The Omaha-Knoxville-Arlington axis is slow, deliberately so. They are also relentless. Do you want to be their next discounted acquisition? Isn’t that the name of the Moat-builder’s game?

 

Bridging Gap$, Affordable Housing Solution Yields Higher Pay, More Wealth, But Corrupt, Rigged Billionaire’s Moat is Barrier

 

So you, we – and all others who want to be long-term in MHVille – must be equally relentless too. They have advantages.  So do you and we, BUT only if you properly understand the dynamics at play.

 

Why Is Manufactured Housing Struggling During an Affordable Housing Crisis? Former MHI President, VP, Other’s Quotable Insights

 

The arguably hypocritical, corrupt, and years of misfires at MHI – linked above and below – are just examples. There’s more.

 

Former Manufactured Housing Institute President, Manufactured Home Owners, Urban Institute, and You

 

Why did Lesli Gooch defend Clayton and their related lenders against claims of monopoly leveled by Doug Ryan at what today is known as Prosperity Now?

 

AmericanBankerLesliGoochManufacturedHousingIndustryMonopolyAnythingButManufacturedHousingInstituteLogoLesliGoochPhotoMastheadManufacturedHomeMHProNews

Gooch is arguably as successful at defending the interests of manufactured home independents, or the millions of home owners, as she was at running for Congress.

 

Why doesn’t Gooch and company just as enthusiastically defend the industry each and every time a lesser challenge is hurled at what harms the rest of MHVille?  Where is Gooch or MHI on the Disney controversy?  Or one of the many mainstream media stories that misuses terminology or otherwise mischaracterizes our industry every week?  Facts are #NettlesomeThings.

 

TimeEndMonopolyOverManufacturedHousingDougRyanProsperityNowPhotoAmericanBankerClaytonHomesMHI

There are points that Doug Ryan and Prosperity Now are correct on, and others that they miss the mark. A wheat and chaff approach must be taken on every one, and everything, in order to sift and find the truth of a topic like the monopolization of manufactured housing by the Berkshire Hathaway brands.

 

 

The Dirty Little Secret…

Apparently, failure to act by MHI to defend the broader good name of manufactured housing is fine with Berkshire Hathaway and their brands in MHVille. Here’s the dirty little secret. If MHI wins or loses on an issue, Berkshire, Clayton, and their sister firm’s win either way.  Ponder that. We’ll show that another time, but the people that shared that tip have proven to be correct, time and time again. Clayton’s market share just grows.

 

ClaytonHomesOakwoodHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2003MHanufacturedHousingIndust

Clayton Homes, 2003. After the Buffett Berkshire Buyout.

 

Because avoidable, artificial, regulatory, media, and other headwinds are arguably part of the vale acquisition strategy of Moat building deployed against independents – or you? – by the Omaha-Knoxville-Arlington axis.

 

 

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. But the trend lines make clear that without pushback, your firm could be a conglomerate’s next meal. 

 

As a prior reports reflected, even working for the Clayton’s and Berkshire brands doesn’t make you safe. It’s just that you’ll get the painfully purported shaft later in life.

There is a struggle. But why not team up now, and lessen the pain?

It can be as simple as tips. It can be as sobering and profitable as open support, or steps in between.

 

ConfidentialNewsTipsOKTipsIreportMHNews@MHMSM-comGraphic

To report a news tip, click the image above or send an email to iReportMHNewsTips@mhmsm.com – To help us spot your message in our volume of email, please put the words NEWS TIP in the subject line.

 

What Will You Do To Advance Your Location, Business, Organization, and Thus Your Industry?

Let’s be clear.  We write what we write.  If someone has guest comments that we opt to publish, then they are speaking for themselves.

Put differently, we don’t expect or even ask a sponsor to sign off on any given article.

Think of it something like a talk radio station.  They often play a disclaimer, ‘the views and news here may or may not represent those of our sponsors’ or business development clients.

Sponsors benefit because we have the largest audience, and the most engaged one in MHVille. Period.  No one else in MH trade media even comes close.

Legacy Housing – for example – may be with us for a another few months, or for years, we have no clue.  But what we do know is what Legacy has said in their own words.

 

“Huge” February 2019 Manufactured Home Sale Announced, Competes with Louisville, Tunica?

 

Legacy have a backlog, the biggest in their history, while the industry at large is slipping.

 

Production Decline Continues in November 2018

 

 

In the wake of their ads on MHProNews last fall, they had two reportedly very successful events in the last half of 2018. Legacy came back for more.  That activity contributed to that backlog.  That’s the logic of their own published statements. Their big GA event was so successful, they are repeating it.

 

Push Back Pays Dividends

MHVille Marketers, are you paying attention?  Not only is push back against the powers that be smart, Legacy proved it pays off too.

The industry won’t cure slurs against it’s products and home owners without resistance.  MHI clearly hasn’t given that kind of leadership. The MHI vision arguably one of lemmings being led off a cliff, like lambs to the slaughter at the altar of Berkshire or some other allied big boy firm.

If you happen to be one of those allied firms, never forget the lessons of those who helped topple Tsarist Russia.  Once the revolutionaries were successful, their allies were routinely among those executed.

This is a war. It’s a business war, within and around our industry.

 

Exploring Corporate, Association, Individual, Investor, and Governmental Corruption Involving Manufactured Housing

 

It is peaceful in the sense that it starts and continues using information.  Thus, as an MHI member-producer called it, this is an Info War. That’s a war we can win. Why?  How?  Because truth properly told and repeatedly shared can triumph over lies and deceit.

Some will choose to have their feet in both ponds.  Okay, that’s a company’s free will right of choice.

Monopolists are slowly gobbling up America.  It has been so for decades.  Only now, it is quite visible.

We celebrate honest success.  We are not socialists, but neither are we crony capitalists. We believe in the American Way, which is free enterprise and limited government that protects the people and their rights.  Have you noticed how the crony capitalists often support the political left? Or how they often buy political influence in both major parties?

It’s about power and money.  Money begets political power, and political power begets money.

You can’t ignore the trend lines and facts forever.

 

ManufacturedHousingSHipmentsBloombergQuintFactoryBuiltRebuidRecoveryMashteadLATonyKovachMHproNEws-756x768

Both a plank in the Democratic Party’s ‘new deal’ plan and a draft by the Trump Administration – each on paper – are aimed at the problem of growing monopoly in America. We plan in 2019 to press both Democrats and Republican leaders on this issue, especially as it relates to manufactured housing. Watch for it.

 

Antitrust and RICO

The good news is that antitrust action can win this struggle, but that too requires good information.  There are civil, state, and federal actions and suits that can be brought.

While its bad news for them, and is potentially – potentially – good news for the industry – is that more than one ‘someone’ in the MHI camp of surrogates have misused the U.S. Mail, and misused ‘the wires’ in an obvious attempt to silence us.

That – per legal experts we’ve spoken with – can constitute elements of RICO. RICO has civil and criminal components too.

MailWireFraudManufacrturedHousingIndustryMastheadCommentaryMHproNews

 

MHI has failed to properly promote our industry. We have, by contrast, the letters and related that demonstrates that we know how to grow business honestly at the local level.

 

2018-12-16_1547TimWilliamsKevinClaytonRichardDickJennisonLeslGoochNathanSmithLATonyKovachNettlesomeThingsEnvelopesMHProNews

Once more, after publishing a prior report on this topic of how apparent allies of MHI have misused the mails in an attempt to silence our reports – and after asking MHI, Clayton and 21st leaders about these allegations – the letters like the above have stopped. Coincidence? Investigators may well find out. Time will tell. But the issue isn’t us, it’s YOU.  If they do this to us, why think that they won’t do this to you?

 

These bullets and factoids combined are part of how MHVille can become – once more – MHLand.  In time, with the correct approach, manufactured housing could emerge as the MHNation.

That’s a slow, but arguable goal of the monopolists too.

When Jeff Bezos’ Amazon Alexa Fund invested several million in a prefab start-up, that’s a wake up call to you, every MH Pro, and every MH investor or advocate. The Alexa Fund estimates this marketplace to be worth $330 billion a year.

 

$300 Billion Market, As Predicted, Jeff Bezos’ Amazon Alexa Fund Dives Deeper into PreFab Homes

 

Poor, inept, uncaring MHI apparently can’t even get the math right about our industry’s size. They keep saying it is $3 billion a year that MHVille ads to the GDP.  They are demonstrably wrong by more than half.  They are an embarrassment to themselves, and to the industry. The total is closer to $6.5 billion, because it is a retail sales figure, not wholesale or Lord-knows what number they pulled out of a hat to arrive at the clearly wrong $3 billion figure.

That’s mentioned only to show once more that they are either inept, incompetent, uncaring, or whatever phrase you might use to describe people that have spent millions, while shipments stalled, and finally, fell.

Comparing Conventional Housing Data for November 2018, to Manufactured Housing Industry Data, Nov 2018

 

Conventional housing data – in historic context – should be telling us why manufactured homes ought to be roaring, not snoring.  That’s an indictment of MHI, and their puppet masters, pure and simple.

 

Manufactured Home Production Decline Accelerates in November 2018

 

Professionals – often members of MHI – say that a lack of good information is part of what holds the industry back.

Others – producers, for instance – say the lack of retail distribution is holding the industry back.  Pay attention to why Legacy Housing said they pursued their IPO. It is to increase their retail distribution.

There are solutions to every problem that the industry’s independents face.

You can feed the hand that is biting your hands, if you want to.

You can feed the hands that are backstabbing you, if you want to.

Perhaps, you may think that you don’t have a choice.

You do.

Join those who are calling for their own, or are working with us, to start the next phase of the Manufactured Housing Revolution. We’ll be meeting privately in Louisville and Tunica to discuss this with select professionals.  How about you?

Finally, information properly shared is power. There are arguably reasons why the Omaha-Knoxville-Arlington axis is risking a RICO charge in the first place.  It’s simple.  They have their eyes on their part of a $330 billion dollar pie. The biggest threat to them is a breakup under federal, state, and civil RICO and/or antitrust.

That breakup of Berkshire and other monopolistic moat builders will require good information.

State and federal officials – we know first-hand – are already on this matter.  It takes time.  Don’t expect a headline tomorrow, that’s not how this works.  It’s actually quite interesting that the local Knoxville media carried the report shown below.

 

 

Experts have told us that our safest place is being out front. In the open.  Guess what?  That’s where your safest place is too.

WVHI’s Andy Gallagher blew his own cover over a year ago, at his own request.  Did Andy lose his job?  No.  Why?  IMHO, because we publicized the matter.

WestVirginaHousingInstituteWVHIAndyGallagherExecDirectorPhotoLogoDailyBusinessNewsMastheadMHProNews

The experts and the evidence suggests that the safest place in MHVille is in being public. We may end up with a Clayton paid security detail, LOL, because if something happened that appears unsavory, state and federal authorities know where to start looking. Debatably every ploy the monopolistic want to use has a legitimate, legal, counter-punch.

 

Your safest place to hide is in plain sight.

NAMHCO is doing it.  See the related report, further below the byline and notices.

MHARR has done it for many years.

We have survived and grown our readership, while ‘they’ are trying their best to undermine, intimidate, and destroy us.

For an employee at Omaha-Knoxville-Arlington related firm I get that you want to stay anonymous. We are thankful for every tip we get.

 

SubmitNewsTipsManufacturedHomeProNewsMHProNewsLogoMastheadMHProNews

Submit confidential or on-the-record news tips, or comments at this linked email mailto:iReportMHNewsTips@mhmsm.com

 

For those in business, look beyond a nice time you had at a MHI meeting. That’s Buffett’s Buffet. You are an upcoming meal, arguably nothing more.

Don’t roll over and play dead. In whatever ways your circumstances allow, this is the time to fight back.  Info Wars is on, but the next phase is underway. Stay tuned.  “We Provide, You Decide.” © ## (News, commentary, and analysis.)

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LATonyKovachQuoteManufacturedHousingIndustryWontReachPotentialAddresscoreIssuesArtificallyholdingitback466By L.A. “Tony” Kovach – 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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Related References:

The text/image boxes below are linked to other reports, which an be accessed by clicking on them.

New Era in National U.S. Manufactured Home Community Representation Underway?

The Future of Retail, Disney, ‘Trailer Trauma,’ and Manufactured Housing

 

Manufactured Housing Institute Housing Alert, Affordable Housing Crisis, MHI’s #NettlesomeThings Response

 

 

 

 

 

 

 

Affordable Housing – Fleetwood, Champion, Clayton – Genius of the Christmas Story

December 22nd, 2018 No comments

AffordableHousingFleetwoodChampionClaytonGeniusChristmasStoryMastheadManufacturedHomeMHProNews

Depending on who’s estimate we accept, there’s some 550,000 to 660,000 homeless in the richest nation on earth, the U.S.A. As rents rise, so does homelessness, says Zillow’s research, which supplied the higher homeless count. With some $22 trillion dollars spent on “Great Society” programs as of a 2014 Heritage Foundation report, one must ask – how much waste, fraud, corruption, and ineffectiveness is there at the federal level alone?

 

The U.S. homeownership rate doesn’t place us in the top 40 nations on earth, how is that possible?

And it’s almost Christmas.

The genius of the Christmas story is so vast that it can’t be fully grasped in any one article, or book. It can be viewed in a variety of accurate ways. Suffice for now to note that Mary and Joseph were home-owners, not per se ‘homeless.’ Rather, they were traveling when the couple finally found shelter in a stable.

What sparked their journey, so late in Mary’s pregnancy? Because the Roman Emperor Caesar had mandated a census count for tax and other purposes. They had to travel to Bethlehem, because it was mandated by imperial decree – their law.

The carpenter and his family experienced what it was like to be homeless. For what Christians call the “Holy Family,” that stable they sheltered in for the Christ child’s birth may have been in a cave.  For thousands in towns like Los Angeles or San Francisco, it may be tents, a cardboard box, dumpster, or a sleeping bag. The ‘luckier’ homeless in the U.S. are living in vehicles, not designed for residential purposes.

Why is it so in the U.S., two thousand years after the birth of Jesus?

There are many causes, of course. Here on MHProNews we track, research, follow-the-money, and report our findings daily on certain aspects of news and view that routinely relate to the broader issue of affordable homes and public policies.

The Holy Family weren’t Democrats, Republicans, Libertarians, Green, Socialists, Communists, or any other political or special interest group – which isn’t a slur on any of the member of those groups, just a statement of fact.  But with so many who claim to be Christians, it’s no wonder each of those political groups’ leadership periodically gloms onto the moving Christmas tale, spinning or weaponizing what occurred for their own purposes.

Rather, the Jewish Joseph and Mary were faithful, non-partisan, working-class people.

For thousands of years, there’s been dictators like Caesar, or shrewd (unethical) business people who’ve rigged their scales to give less than what a buyer bargained for.

Before there was Clayton Homes in contemporary manufactured housing, there was what we should clearly state is the OLD Fleetwood Homes and PREVIOUS Champion Homes that were affordable manufactured home builders. The old Fleetwood and Champion of the 1990s were in a race to buy up chunks of the industry in their day.  The two firms often paid hefty premiums for retail locations, hoping thereby to increase their market shares, also thereby narrowing the distribution networks of competitors products.

As Warren Buffett observed in an annual letter to Berkshire Hathaway shareholders that in 1998 Fleetwood, Champion, and Oakwood – then the Big Three of manufactured housing – has some 44% of the market. According to data from the now defunct Manufactured Home Merchandiser Magazine, the top three that year – Champion, Fleetwood, and Oakwood – produced 172,723 of the 372,843 total HUD Code manufactured homes shipped that year, or 46.3 percent of the total.

By 2017, it was Berkshire owned Clayton Homes that had some 50 percent market share, although they claim in their annual report that it was ‘only’ 47.7%. Unlike the old Champion and prior Fleetwood, Buffett’s brand Clayton Homes didn’t overpay for retail outlets, factories, or anything else.  Rather, Berkshire’s subsidiaries bought locations, loans, and businesses at a discount – a ‘value’ – as investors understandably call it.

There are numerous questions that should arise from this outline.  For example, two decades ago – when it was Champion and Fleetwood that dominated the Manufactured Housing Institute (MHI) – how different was it from how the Berkshire brands in manufactured housing dominate MHI today?

Community owners didn’t feel well represented in the old MHI.  So, they forged the National Communities Council (NCC) side of MHI. There are MHI/NCC members – some from the large companies – that tell MHProNews that they still don’t feel well represented. Is it a surprise that a new national MH Communities association is coming to birth?

Among resident groups, there are squabbles and contests too. GSMOL, for example, wags a finger at MHAction, saying the later are taking credit for things that the GSMOL accomplished. On the professional side of MHVille, the independent producers’ Manufactured Housing Association for Regulatory Reform (MHARR) similarly asserts that MHI often takes credit for things that MHARR or others accomplished. Interesting, isn’t it?

Meanwhile, there are thousands of professionals – and millions of residents – all trying to earn an honest living. Their struggle is often more about battling systems that are often arguably “rigged” by the “big boys” against the smaller businesses and the masses of workers and retirees whom they seek to serve.

Then, millions more trapped in rentals that one protest leader said was “too damn high.”

But negative media like the problematic Netflix series the “Trailer Park Boys” fuels stereotypes that cause many to never consider what the GAO, NAR, Fannie Mae, Ford Foundation, HUD, and other third-party researchers called the most affordable, permanent, and safe – yes safe – new homes in America.

Inaccurate stereotypes, the propagation of misleading information, stigmas, and corrupted, rigged systems all are contributing factors to the tragedy of over a half-million homeless and relatively low rates of home ownership in the U.S.A. today.

Scales, information, and systems are usually rigged in order to cheat the many to benefit a few. It was so thousands of years ago, and it is similar so today.

But angels reportedly sang at the birth of the child Jesus whose birth into a sinful and corrupted world we celebrate on Christmas.  Wise men came from afar bearing gifts to curiously see first-hand what that star over Bethlehem was all about.

We are wise when we ponder the deeper meanings of the Christmas story too.

As we bring or open our gifts for each other, let’s remember that a greedy and power hungry few are working to manipulate scales, information, and the masses, for their own benefit. That’s arguably why there’s still so much poverty, and why millions in America are trapped in Mr. Potter’s rentals, and don’t own a home.

 

Affordable Homes, Warren Buffett as Mr. Potter in Christmas Classic, “It’s a Wonderful Life”

 

May the inspiration of Mary, Joseph, and Jesus enlighten our minds, hearts, and hands to do whatever is just and good. Because the honest actions of the few – then and now – can uplift the many, inspire the wise, and bring out the good in others.  The honest truth always what sparks change for-the-better in our world.

Merry Christmas to all. ## (“We Provide, You Decide.” © ## – (News, Masthead commentary, and analysis.)

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AlanAmyRoyerMobileHOmesOpelousaLALATonyKovachMastheadBlogManufacturedHousingIndustryProNewsBy L.A. “Tony” Kovach – 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.

 

Related References:

The text/image boxes below are linked to other reports, which an be accessed by clicking on them.

Where I Come From

 

Understanding the News as Business, and Manufactured Housing

 

It’s Your Profession – Investment of Time, Talent, Treasure – So What’s Next?

Back to Basics – What is Classical Liberalism, and What Can It Mean for Manufactured Housing Growth?

 

 

 

The American Dream, Arguably Among the Most Profitable, But Least Understood Stories in the USA Today

December 8th, 2018 Comments off

 

AmericanDreamMostProfitableLeastUnderstoodStoriesInUSATodayManufacturedHousingIndustryMastheadLATonyKovachMHProNews

The American Dream is more than housing that someone owns, but that is a key element to it.  Properly understood, this story could bridge much of the left-right divide. Properly told, and it would likely need to be a series, it could win a Pulitzer or other prize for reporting.

 

Nevertheless, those true tales are not being properly told, why?

A man’s home is his castle,” is a potent maxim whose origin dates back centuries. In 1604, Sir Edward Coke declared that “The house of every one is to him as his castle and fortress, as well for his defence against injury and violence as for his repose,” per Wikiquote.

There are dozens of nations where the rate of homeownership is higher than the United States. That’s a vexing reality. How can it be that when the typical American today is demonstrably richer than the inhabitants of other lands, why are their homeownership rates higher?

At the time this chart was produced, here are the rates of homeownership in dozens of nations, per Wikipedia.

 

Homeownershiprates49topcountriesperwikipediaUSA41stManufacturedHousingIndustryDailyBusinessNewsMHproNews

Why is the U.S. only #41 on this list?

 

The rate of homeownership has been recovering since the election of President Donald J. Trump. But per Pew Research in 2016 data reported in 2017, some 36.6 percent of our nation were renters. Conventional housing builders can’t keep up with demand. The National Association of Home Builders Chief Economist Lawrence Yun said earlier this year that some 8.3 million housing units are needed, now.  Several gurus among the tech giants have decided that only factory building can close the affordable housing construction gap.

 

PewResearchCenterHomeOwnershipRatesUSARentingHouseholdsMastheadBlogDailyBusinessNewsMHProNews

 

Here in the land where factory-home building was born, or at least popularized, there are known ways that millions of those renters could become homeowners, by opting for factory crafted homes.  Everything else you drive, wear, use to make calls came from a production center. Why is it that our society seems to fear factory built homes?

Millions of our fellow citizens could start building equity, which is the most common form of household wealth.

But millions don’t. Why?

As numerous professionals in our industry have long known, you can own a federally-regulated for safety, durability, and greener-by-design manufactured home for the same or less than rent in most markets. The National Association of Realtors™ (NAR) did serious, third-party research this year, that debunked many of the commonly held fallacies about manufactured homes. That NAR report was only a blip in the news.

Why?

With about half a million homeless in the U.S., perhaps the quickest way to house them affordably would be in the only kind of permanent housing built to a federally preemptive construction standard, known as the HUD Code for manufactured homes. The National Fire Prevention Association (NFPA) in their research a few years ago found that manufactured homes – unlike the mobile homes of over 4 decades ago – are as safe as a conventional house, but far less expensive.

ManufacturedHomeFireDeaths-2013NFPAreport-citation-postedManufacturedHomeLivingNews-JanHollingsworth

The NFPA said that the reports of fire related deaths in manufactured homes in 2007 to 2011 were so low that they surprised them, and thus merited ‘caution.’ But their own research proves that manufactured homes are as safe as conventional housing, and more safe than non-updated mobile homes built decades ago.

AreMobileHomeFiresBurningtheIndustrycreditNFPA2-postedtothedailybusinessnewsmhpronewsmhlivingnewsNFPAManufacturedHomeIsNotaMotorHomeOrTrailerAlthoughItisOftenCalledMobileHomeItIsNotThatEitherNFPADailyBusinessNewsMHProNews

Millions who want to retire well don’t think they can do so affordably, but if they understood the reality vs. the 42+ year old misinformation, they might sell their more expensive conventional housing, and turn instead to a manufactured home.

This year – in 2018 – alone:

  • The Urban Institute (twice)
  • Bloomberg
  • Fannie Mae
  • The National Association of Realtors
  • The Apartment List
  • Federal Housing Finance Agency (FHFA)
  • HUD Secretary Ben Carson
  • An affordable housing focus group of manufactured home owners, and
  • Value Penguin

 

are among those who have praised the manufactured housing option. How is it possible that it is still being called by the inaccurate pejorative, “trailer house?” When no mobile homes have been built in the U.S. for over 42 years, why do media and others often still inaccurately call a “manufactured home,” a “mobile home?”

 

TrailerHouseMobileHomeManufacturedHomeFactoryBuiltHousingEvolution101MHProNews-MHLivingNews

 

The last report noted in our bulleted list above – Value Penguin – cites third-party research by a pair of National Bureau of Economic Research (NBER) scholars to demonstrate how an additional two trillion dollars a year in Gross Domestic Product (GDP) could be produced annually, simply by making more affordable housing – including manufactured homes – more readily available.

Imagine for a moment that you wanted to break through on the noise about the affordable housing crisis. With such an impressive collective bulleted list – the one above – where would you put that on your website if you were the Manufactured Housing Institute (MHI)? Oddly, that list is nowhere one can readily see it, if it is there at all, it’s behind a firewall. Why?

Don’t misunderstand.  MHI has promotional information, but it looks like advertising instead of referencing all of the potent third-party praise cited above. It also includes facts that MHProNews advised MHI months before they made this posted video were inaccurate.  For example, the video understates the GDP contribution of manufactured housing, saying it is about $3 billion a year, when simple math tells us that in 2017 it was more like $6.5 billion that year. Doesn’t misinformation – perhaps geared to support a few favored members – from the largest national association only harm the industry’s credibility?

 

 

What you can find on their website is items like the video above, plus a new video that promotes MHI themselves.  That self-promotion of MHI video proposes an entirely new claimed solution that uses a new style – meaning, untested – home. That ‘new class of homes’ arguably could diminish the acceptance and value of what millions of manufactured homes already achieved and represent. That’s according to a range of industry professionals, that includes MHI members.  So why are they pushing that experiment when MHI-only members that are HUD Code builders have told MHProNews that it makes more sense to build a modular house instead of that ‘new class’ of manufactured home?  That would avoid all sorts of delay, confusion, and risks to the bulk of the manufactured home industry, existing home owners, and consumers alike.

Who’s brainchild was this MHI ‘new class of homes?’  Per a well-placed MHI source, the homes and standards originated from “Kevin Clayton.”

What you won’t see on the MHI website is an explicit statement of how much Berkshire Hathaway owned firms – like Clayton Homes – control that Arlington, VA based trade association.

What you won’t see on the MHI website is how Chairman Warren Buffett’s Berkshire Hathaway owned Clayton Homes and some of their lending sister firms are under several federal investigations.  On the boxes that follow, you can click the headline and access that report for more information.

 

Whistleblower! Ex-Clayton Homes Team Member on TV Denounces Manufactured Housing Giant’s Practices

 

Nor will you see how past MHI Chairman Nathan Smith, who is currently their MHI PAC Chairman, has had several potentially high-profile legal issues quickly swept away. Is it because of Smith’s strong ties to prominent Democrats? Or is it due to Smith’s ties to Clayton and Berkshire’s 21st Mortgage?

 

Nathan & Mary Lee Chance Smith, Leaders in ‘Anti-Trump Resistance,’ Manufactured Housing Impact?

 

When one drills down on the Manufactured Housing Industry’s tragicomic story, one sees how Berkshire entered the field 15 years ago and has purportedly proceeded to monopolize the industry.

 

maxine_waters_democrat_from_calif__bet__credit-575x387

Maxine Waters (CA-D), Ranking member, Financial Services Committee. Waters is slated to be the next chair of this powerful House committee.

 

Among those who have pointed their finger with that allegation is Congresswoman Maxine Waters, who will likely chair the powerful House Financial Services Committee. Will Representative Waters (CA-D) and her Democratic colleagues investigate Warren Buffett, the Claytons’, and Berkshire Hathaway lenders – which she said was a near monopoly that has also been charged with racism and predatory behavior?

Buffett has said you don’t get involved in a business that doesn’t make sense. When legendary investors like Warren Buffett and Sam Zell are both in manufactured housing, how could that fail to register with more investors – not to mention – with so many millions of our fellow citizens?

Or is it because Buffett – who’s BH Media Group could arguably single-handedly change the understanding and thus the fortunes of manufactured housing – that in various actions and inactions keeps reality as foggy as possible? Does that fog help him consolidate more of the industry, that makes so much common sense? Plus earns Buffett’s Berkshire billions?

News is a business. Media covers or not what their management and ownership want, and in the way their management or ownership desires.

Poverty is also a huge business. Keeping some poorer than they should be can also be a tool used to generate votes at election time.

Meanwhile, millions are trapped in renting, or are homeless, in the wealthiest nation on the face of God’s earth.

I’m tired of being the best kept secret. I’m ready to help house America,” said Terry Decio, whose father Art Decio was once positively shown on the cover of Time Magazine back in the pre-HUD Code mobile home era.

 

TimeMagazineTerryDecioManufacturedHomeLivingNews

The Decio family had Art on the cover of Time Magazine decades ago.  What happened to our once far greater industry since then?

ManufacturedHousingSHipmentsBloombergQuintFactoryBuiltRebuidRecoveryMastheadLATonyKovachMHProNews-756x768

 

Terry, perhaps you should ask Uncle Warren for his permission to support and  properly tell the “best kept secret” story in the manner that it ought to be told?

 

The American dream awaits tens of millions, but various forces purportedly by their action and inaction are allowing it to languish. To learn more, see the linked boxes, below. “We Provide, You Decide.” © ## (News, commentary, and analysis.)

(See Related Reports, further below. Third-party images and content are provided under fair use guidelines.)

AlanAmyRoyerMobileHOmesOpelousaLALATonyKovachMastheadBlogManufacturedHousingIndustryProNewsBy L.A. “Tony” Kovach – 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.

 

Related References:

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

Machiavellian “Godfather” – Sam Zell, Warren Buffett, Capital, Lending and Crossed Lines in Manufactured Housing

Back to Basics – What is Classical Liberalism, and What Can It Mean for Manufactured Housing Growth?

Understanding the News as Business, and Manufactured Housing

 

Clayton’s Miss, Kevin and Tim’s Manufactured Housing Kill Shot, More

Acclaimed Poverty Inc. Video, MHVille – Why Left & Right Should Listen, Learn From Each Other

 

 

 

 

Failure, Success and Profitable Truth Detection for Manufactured Housing

November 24th, 2018 No comments

 

FailureSuccessandprofitableTruthDetectionforManufacturedHOusing

Everyone has had the experience of realizing that something that they had believed about a person, thing or group was untrue. 

 

There are scores of reasons that explain why and how that phenomenon of discovery occurs. But the reality is that it does happen, so it needs no more explanation than what’s just been given.

Failure and success are often a matter of proper knowledge. Every parent has observed a child that was doing something wrong. If the child is not properly informed in a parental way of their error, perhaps they would just keep on making the mistake, and keep failing. It is innate for a normal parent to want the best for their child. So, the helping hand of correction is patently and lovingly given as needed.

So, when contradictory information is out there in the public, how does someone detect the truth? When contradictory examples or claims are made, how can one honorably discover and express the truth?

There are many ways. So, let me focus on a simple and proven notions, that anyone can do, and then relate it to achieving a greater degree of Manufactured Housing Professional Success.

 LifewayHomesTulsaStateFairgroundsManufacturedHomeShowDailyBusinessNewsMHProNews600

 

 

Back to Basics  

Basics are the foundation of understanding. There are the ABCs of the English language. There are the 1-2-3s of math. There is gravity in science. But how about the basics for sustainable, profitable business? 

In Tulsa, OK there’s a manufactured home retailer whose business name is LifeWay Homes. Clever name, packed with meaning. If you spend much time in their office, it is no secret that their faith – LifeWay – is a core concept for them. Housing is also a prerequisite to what most consider a good “way of life” – again, LifeWay. By the way, they never expressly said that to me, it is intuited.  

In Louisiana, there is another retailer named Alan Amy. He too has a marvelous way of expressing powerful yet simple notions. People come into office and sales center, they are interested, but are not always ready to buy. Why?

Because they have questions, concerns, and doubts.  Those doubts about manufactured homes occur from coast-to-coast, border-to-border with regards to our industry.  It is a phenomenon that few if any industries as well established as manufactured homes are has experienced. 

But back to Alan Amy…

AlanAmyRoyerMobileHomesOpelousasLAMastheadManufacturedHomeIndustryCommentaryMHProNews

Alan Amy, sitting in a Sunshine Homes model, a still from a video captured during the Tunica Manufactured Housing Show.

Touch and feel,’ Alan said during a video interview we did with him, as he described what he sometimes says to skeptical buyers.

Smart. Get someone to experience what manufactured homes are. That’s similar to what the late, great Zig Ziglar taught me about the “puppy dog close” in sales. Experiencing a manufactured home is wise.

The five senses – including setting, touching, and hearing –  those can lead to believing.

Neither Amy nor the good folks at LifeWay knew it, but this writer has used some similar notions for years, although we might describe them differently. Our prime purpose with them was for interviews of them and some of their customers.

Getting someone to experience or confront a truth well told is powerful. We have an entire, formal marketing and sales process that can convert a site-built hosing shopper into a manufactured home buyer. Not 100 percent of the time, but more than often enough, and pleasantly enough, where it works for everyone involved. Happy customers and referrals flow.

But our sales and marketing successes aren’t the point of this column, Truth Detection is. 

The truth will routinely become evident over time. The truth may or may not be so evident ‘on the spot.’ Confidence men or ‘con men‘ know that, and they expect their deception to be relatively short lived, but long enough to separate someone from their money or some other valuable possession. 

By the way, in any con man movie that you ever watched, was the con artist – male or female – ever lacking in charm, or persuasiveness? Often dressed to fit the part, the con is about a well told lie, often based upon believable half-truths.

 

 

For a discerning, questioning, and open mind, the truth is knowable. Time and attention to the details vs. the claims made are among the keys to Truth Detection.

 

Truth Detection 101

Here’s how people around the world have detected the truth from a lie or deception for thousands of years.

It’s called, the 10 Commandments. Let’s first note that the best of believers fails at always keeping these 10 divine commands, but that doesn’t invalidate them. If you or I are periodically hypocritical or fail to live up to our own or another set of standards, that is human enough. I freely admit to errors, as any English major who carefully scopes out our publishing already knows.  

So why do thousands of manufactured home industry professionals flock to MHProNews daily, when there are typos? Why do thousands like yourself overlook our typos?  IMHO, because at some deep level, people know that we strive for the truth. We see value in telling the truth as we understand it. Our readers see value too, or they wouldn’t be reading here. Because anyone’s human understanding deepens over time, so has our writing.

I will focus for a few moments on only two of the Ten Commandments as keys to Truth Detection.  

   You shall not steal.

   You shall not bear false witness. 

That doesn’t mean the other 8 commandments aren’t important.  They are, or God would not have given them to Moses on Mount Sinai.  But let’s focus on not stealing and the truth for the next few moments. Because if you get those 2, you will have a powerful secret of truth detection.  Those secrets, properly applied over time, yield routine, sustainable professional success. 

Here’s the historic – the epic – secret.  

We may or may not know on the spot when someone has made a false statement, or if a falsehood was deliberate or accidental.

This is where history – experiences over time – are priceless. Because if you use the gift of memory, coupled with the gift of discernment, the truth becomes increasingly evident as time marches on.

So, with memory and attention to details, a false witness – a deception – becomes clear over time. Once deception is detected, and once patterns of deception are discerned, is there any reason to trust a deliberate deceiver?

The reverse is also true. Knowing that we all make mistakes, if one becomes aware that a source is routinely reliable, while another source is routinely deceptive or opaque, doesn’t that understanding and clarity help foster success?

Of course it does, so long as truth is followed over falsehood. 

Finally, we come to the divine commandment of not stealing.

The law recognizes many forms of theft. They include, but are not limited to:

   Shoplifting

   Burglary

   Robbery

   Theft by fraud or deception – a “con job

are among the more common types of stealing.  There is also racketeering, collusion that rigs a market, and more. 

But what about a political candidate who promises to ‘tax the rich,’ and give you ‘free stuff’ that ‘the rich’ will pay for? Is that sort of claim a form of stealing?

Absolutely, a scholar might argue, because time and again that false promise is proven to be a lie. It’s a deception designed to rob someone of their opportunities.  Opportunities that go untapped costs our industry tens of billions annually, and per the applied understanding of scholars, costs the USA a stunning $2 trillion dollars a year in lost GDP, because of the harmful impact of our nation not having enough affordable homes. 

What become known as the American Way was a blending of those 10 Commandments with the notion that people could do for themselves better and more efficiently than what a government can often do. If the government can unjustly take from one person, and give it to another, that is only a form of legalized theft. 

When Candidate Z – whomever Z might be – promises ‘free stuff‘ to millions of Americans, it’s a lie. That lie is based upon a form of legalized theft.  There Is No Such Thing As  Free Lunch =TANSTAAFL. That was taught to me around junior high school, just as computer class taught me GIGO = Garbage In, Garbage Out. 

A repeated lie, half-truth, spin, or other form of deception are how people become brainwashed into believing something that is not true.  

Smart people can be brainwashed, as can the simple. I’d venture to say, you and we have all been brainwashed at some time about something, even if it was something as common as the federal government’s dietary guidelines, which today are being medically questioned as contributing to obesity. 

And within that example lies the point.

We might believe something at first, but when time and experience reveals that those dietary guidelines were sold to the Feds by special interests, and those interests profited by their preferred guidelines being used, instead of using another diet that may have been more healthful. The result of poor dietary guidelines? Perhaps the richest nation on earth – the USA – has more than the norm of overnight people, and thus higher healthcare costs than would otherwise occur. 

The truth outs over time, for those who pay attention to the details. Paraphrasing what Marty Lavin has said: 

   Follow the Money trail. 

   Pay attention to what people say, but then pay more attention to the actual results of what they claimed produces.

If the Manufactured Housing Institute (MHI), or the power brokers behind them, back candidates for public office that tell the repeated lie of ‘something for nothing,‘ why should MHI or those Candidate Zs be trusted?  

At times, for clarity on what may seem like confusing issues, we have to get back to basics.

There are a growing chorus within manufactured housing that are paying attention to the money trail.  More are following the track-record of what has been said vs what has been accomplished, which yielded dissatisfaction with MHI – and those in Omaha or Knoxville who arguably pull the strings for that Arlington, VA based trade group.  

When Warren Buffett backs candidates who promise higher taxes, who offer something for nothing, he is arguably too smart and too experienced in history to believe what he said about various Candidate Zs. The logical conclusion is akin to the dietary guidelines.  A special interest – Buffett and his Berkshire brands – are getting something that they want. That might help him, but not others.

A front person in politics delivers as best they can to their donor, whatever those deep pocket contributors desired.

There are two commandments that if we pay attention to them, will help us discern the truth.

  • Thou shall not steal.
  • Thou shall not bear false witness. 

Couple that with the track record – the history of a person, a promise, or group – and much becomes clear over time.  Your failure or success depends upon facts, not fiction. Truth detection is profitable, buying a lie is costly. Indeed, truth and honesty in business are at the core of sustainable success.

Last point for today is this.  Just as a repeated lie or falsehood can deceive millions, so too the truth must be told often, and lies must be combated and refuted.  That can happen one-on-one, as Alan Amy’s example reflects. It can also occur in the court of public opinion. Those are keys to local, regional, or national success. “We Provide, You Decide.   ©

NOTICE: a different Masthead than this topic was been put on hold to present the above, but the planned topic will likely be published next week. ## (News, commentary, and analysis.)

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AlanAmyRoyerMobileHOmesOpelousaLALATonyKovachMastheadBlogManufacturedHousingIndustryProNewsBy L.A. “Tony” Kovach – 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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Related References:

Machiavellian “Godfather” – Sam Zell, Warren Buffett, Capital, Lending and Crossed Lines in Manufactured Housing

 

Prosperity Now, Protests, Indivisible Project, Warren Buffett, George Soros, POTUS Donald Trump, MHAction and Manufactured Housing – Following the Money

November 9th, 2018 No comments

IndivisbleLogoProsperityNowLogoMHActionLogoGeorgeSorosWarrenBuffettDonaldJTrumpMHProNews

Prosperity Now. MHAction. Indivisible Project. Billionaires George Soros and Warren Buffett. Each of those are all interconnected. Each of those are involved in protests against manufactured home businesses, President Donald J. Trump, and his supporters.

 

Who says?

Let’s follow the facts, evidence, and the money trail.

1)    The billionaire George Soros funded “…Open Society funds are only a small percentage of Tides‘ total…” budget, says the Tide Foundation’s own website.  It’s in a post by Tides on their own website entitled “Why does the right hate Soros?

Rephrased, the self-proclaimed progressive Tides Foundation admits the connection between Soros, the Open Society and George Soros.

2)    As MHProNews and MHLivingNews have previously reported, the Tides Foundation also has major funding via other foundations by Warren Buffett.

Buffett, as focused manufactured home industry pros and observers know, is Chairman of Berkshire Hathaway, which owns giant Clayton Homes, Vanderbilt Mortgage and Finance, 21st Mortgage, Shaw Carpeting, and other firms that are in or supply housing and factory-builders. Berkshire is widely seen as the dominating force behind the Manufactured Housing Institute (MHI). Thousands of industry professionals were no doubt surprised that Buffett’s money flowed through Tides to anti-manufactured home community protesters, MHAction.

Manufactured Home Resident Group President Cautions Against MHAction, Surprising Background Reveal to Manufactured Housing Action

 

ICYMI, or want to refresh your mind, see two of those reports documenting ties between Tides, Buffett and MHAction, see the above and below.

 

Expose! Why Has Warren Buffett/BH Funded Anti-MHC Activists, MHAction? Why Fund Attacks on ELS, Frank Rolfe, Blackstone Group?

 

  1. Thanks to Tim Williams, 21st Mortgage Corp, There’s More…

We believe in giving credit where it is due, whenever possible.

Tim Williams, the prior MHI Chairman, and the 21st Mortgage Corp president and CEO, mentioned something a couple of years ago in a conversation with me that will connect to this picture.  We’ll spotlight that tie-in to this follow-the-facts, evidence and money report in the days ahead.

But my hunch is that when he reads this – and our sources say that he will – Tim just may recall what we’re teasing as the next shoe to drop for the MH Berkshire brands, MHI, et al.

Tim, thanks again.  In hindsight, that was a very insightful conversation.  Thank God for the gift of memory, right?

While some can’t be roused by anything, for others that report will be an earthquake for many in MHVille. We hope to have it in time for Thanksgiving. If you aren’t yet on our email list, you can sign up at the link shown on the banner.

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Moving on now to the balance of the headline topic.

 

  1. Influence Watch, and The Indivisible Project, Soros and Buffett

Influence Watch is one of several organizations that track the often befuddling trail between various non-profits, foundations, and deep pockets like billionaires Buffett and Soros. Here’s what their research reveals.

The Indivisible Project (or Indivisible) is a left-of-center 501(c)(4) tax-exempt organization headquartered in Washington, D.C., and created in late 2016 as a response to the election of President Donald Trump. The Indivisible Project was established to provide liberals a practical guide about “Resisting the Trump Agenda.” [1] Despite connections to elite donors, Indivisible claims to be a grassroots movement. The organization was founded by two left-wing activists with congressional experience and ties to the left-of-center economic policy advocacy group Prosperity Now.[2] According to a spokesperson within the organization, Indivisible’s goal for 2018 is to replace all elected officials who don’t reflect their views with “diverse, progressive, local leaders.”[3] [4] Indivisible claims to represent over 5,800 groups and has a website that has been viewed over 18 million times.[5]

I can almost hear the sweat rolling off a few foreheads in Knoxville, Arlington, and Washington, D.C. based Prosperity Now. Some industry friends and colleagues of mine should also take notice of this too, because they know where these dot-connections are leading.

Here’s what they say about funding.

 

  1. Indivisible Financial Overview

Indivisible has published the nonprofit’s revenue from both its 501(c)(3) Indivisible Civics, and 501(c)(4) Indivisible Project for 2017.[9] In 2017, Indivisible raised “a total of $7.5 million,” with “$2.8 million” through the 501(c)(3) and “$4.7 million” through the 501(c)(4). Over the course of 2017, Indivisible was fiscally sponsored by the Tides Foundation and the Advocacy Fund (a Tides affiliate) until it “was granted 501(c)(4) status from the IRS” during the tax year.[10]

Of Indivisible’s 2017 revenue, 35 percent was raised through small dollar donations, and 65 percent was received through major gifts and foundation grants. [11] Of the $7.5 million raised, $3.4 million was spent on organization expenses,” according to Influence Watch.

 

  1. Founders of Indivisible

Established by left-wing activists Ezra Levin and Leah Greenberg in December 2016, Indivisible was originally organized as a movement along the lines of the conservative Tea Party opposition to President Barack Obama’s administration. [6] To that end, Levin and Greenberg’s first project was a 26-page political organizing manual entitled “A Practical Guide for Resisting the Trump Agenda. The manual highlighted the best methods to “beat back” President Trump and defeat the new conservative majority in Congress.[7]Since that original document was distributed, the movement has evolved into an effort to disrupt civil discourse and “sustain a powerful progressive movement.”[8]

Keep in mind that Prosperity Now is pro-manufactured housing, progressive operation, but is also favorable to issues like rent-control and has taken other problematic positions.  Prosperity Now used to be known as CFED. More on them in the days ahead.

 

  1. What Kevin Clayton said…

Now, with the above in mind, you see:

  • Non-profits
  • Foundations
  • Deep-pocket billionaires, including George Soros and Kevin Clayton’s boss, Warren Buffett.

 

With the above in mind, circle back to that video of Kevin Clayton in Smoking Gun 3.  Recall how Kevin was virtually gushing in that video about Clayton working with foundations and nonprofits?

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

 

Is the bigger picture coming into focus?

 

Facts & Analysis – Senator Elizabeth Warren re: Manufactured Housing Institute Memo to MHI Members, 10-3-2018

Now, keep in mind that companies associated with MHI, including but not limited to, Clayton and Cavco, are under various kinds of federal investigations.

 

Cavco Chairman Joseph H. Stegmayer Steps Down Under SEC Cloud, “Personal, Confidential” SEC Document, Cavco Industries’ Statement

 

News of Cavco’s SEC woes just broke this week.  But MHProNews has been reporting for some years about Clayton-Berkshire related federal investigations. Certainly, people are innocent in the eyes of the law until proven guilty.  That said, when there is smoke, is there a fire?

 

Much, Not All

The manufactured housing industry has been gamed by a rigged system for years.  Our industry once had hundreds of manufacturers, and literally tens of thousands of independent retailers. Some of those vanished due to natural events.  But others have arguably fallen due to unjust manipulation of regulatory, capital, political and other forces.

It is now becoming clear that protesters are just part of a broader plan. We’re political independents, and we strongly assert that most of the Democrats or MHI members that we personally know are fine people.  But they have often been mislead into believing certain things harmful to their interests.  A decade ago, the same could be said about swaths of the GOP too.

President of the United States (POTUS) Donald J. Trump is disrupting the rigged system.  That’s why elites in both major parties opposed him tooth and nail.  He is arguably taking the Republican Party, and turning it into a small-to-midsized business, white and blue collar workers party. He’s taken elements from both major parties, and is blending it into something new.

That’s a threat to everything that billionaires who control the Democratic party stand for, because the rigged system has purportedly made them billions of dollars. That’s why the invest so heavily in it.

We’re all for bipartisanship, and working with people of all backgrounds. But that starts with facts and evidence. If you or anyone you know can find any factual errors in the above, by all means, let us know.

 

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LATonyKovachGoodBipartisanshipShouldalwaysBepredicatedBenefitallhonestindustrymembersnotslectfewquoteBy L.A. “Tony” Kovach – 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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Related References:

Divisions in America, and Manufactured Housing – Reality Check 1 – 11.9.2018

 

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