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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.

 

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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.)

(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:

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

 

To Educate – “Leading Forth” – for Affordable Manufactured Housing Success

October 3rd, 2018 No comments

 

LarryPArnnHillsdaleCollegeToEducateLeadingForthForAffordableManufacturedHousingSuccessMastheadLATonyKovachMHProNews600

It’s unbelievable how much you don’t know
about the game you’ve been playing all your life.”

– Mickey Mantle

 

Every state has its heroes and heroines. Mickey Mantle is a favorite son from Oklahoma, where I began my manufactured home career some years ago.

 

Hillsadale College’s president says that the word education means to lead forth.  Education and information which leads to an ever better understanding about manufactured homes are at key to what the industry needs to achieve its potential.  Rephrased, education – information done correctly – is leadership.

 

From the outset – which is now approaching 9 years since our launch in mid-Oct, 2009 – MHProNews has strived to challenge, motivate, and lead in the needed ways.

Call me slow, naive, or steadily evolving, but every year we’ve adapted, and then done things no one else in our industry’s trade media has previously done. 

 

Don’t Do It! 

Don’t be political,’ said some industry pros. Sorry, but problematic, bad and even corrupt policies at the local, state, and federal level are key factors restraining manufactured homes.

Don’t touch on religion or morality.’ Excuse me? Is this America, with freedom of speech and freedom of faith? How do you do what’s right, unless you first know what’s moral or ethical?

When Jesus walked this earth, he was a highly controversial figure. He still is. “Who do people say that I Am?” – the Jewish Jesus asked his 12 disciples. That very question Jesus – the carpenter/builder – asked is still debated today, and has been for approaching 2,000 years.  It’s amazingly relevant.

Jesus picked Peter, and handed him the “keys to the kingdom,” yet Peter denied Jesus three times. Does that mean Jesus goofed, or does it mean that Jesus was reminding everyone that even ‘chosen’ people make mistakes.

Perfect human leaders before or after Jesus of Nazareth don’t exist. So, every mature adult makes allowances for each other, knowing we need that mercy and understanding too.  That said, some people will smile at you, while they rob you blind.  Recognizing that trait in others is useful as an adult. Then there are controversial figures that may not communicate as you or I would, but once understood, are surprisingly spot on. 

President Donald J. Trump is human, and has flaws. But he’s arguably the best President of the United States (POTUS) since Ronald Reagan. As an award-winning history major, I’d say, he’s already at least as good, if not better, than POTUS Reagan in his first two years.  That was a different time, Democrats and Republicans then were able to compromise.  Today, not so much.

Our manufactured home industry – and a host of other professions – need President Trump, if we are to have any hope of breaking the chains that previous politicians, bureaucrats and their big money backers have foisted upon us.

ItsUnbelievableHowMuchYouDontKnowAboutGameYouveBeenPlayingAllYourLifeMickeyMantleBaseballHallFameMastheadManufacturedHousing 

Our nation, not just manufactured housing, has been moving steadily toward oligarchy. Monopolistic maneuvers unethically enrich a few, at the expense of the many. I’m all in favor of free enterprise. It wasn’t news, but I’m increasingly aware to the high degree that Vulture and Crony Capitalism are not free enterprise 

The answer is to break up the monopolies and oligarchies. Not regulate them, break them up under a combination of civil litigation and federal antitrust laws.

Draft EO for Trump Administration AntiTrust Order Obtained by MHProNews

For the president to succeed, he needs a Congress and Supreme Court that work with him, not against him.  While laws are on the books that are useful, if his political opponents keep him tied up by winning the midterms, the opportunity for POTUS Trump to liberate American Workers and Businesses narrows.

MHI is demonstrably often wrong, and arguably often lying, deceitful, dishonest tool of Berkshire Hathaway and a few others. We’ve offered to debate their positinos, results, and methods.  They run for the hills. Why? If they are right, why not debate the issues, and practices?  

That doesn’t mean that everyone in MHI, much less every one of their members, are corrupt or evil. Some are scared. Some go along, to get along. Some hope to be the last one eaten. My sense is that the majority are nice people, but the organization they pay dues too is corrupted at its core. But those who can, should stop feeding the hand that bites them.

Danny Glover, Presidents Barack Obama & Donald Trump, Promises Kept, and Affordable Manufactured Housing

We’ve documented time and again, false and misleading statements made by MHI. They posture one thing, but often do another. 

For some examples, please see the links herein and below. 

The industry must break free of those who control MHI. Oddly, some of the like minded politicos and fellow travelers of Warren Buffett – for example, George Soros – also support in various ways MHAction, per our sources.

Enemies of Manufactured Homes, Communities; Rent Control, MHAction, George Soros, Ignorance, & Entropy

Jimmy Carter wrongly blasted President Trump, while overlooking the failures of the Obama Administration.  The report below covers that topic. The charts below the linked teaser shows just how badly the Obama Administration preformed on housing issues.

President Jimmy Carter Blasts Trump Administration on Affordable Housing, Carter’s Manufactured Home Ties

HomeOwnershipRatesUSCensusBureauDailyBusinessNewsMHProNews-1USCensusBureauMedianAskingRentDailyBusinessNewsMHProNews

How could MHI have failed to move manufactured housing ahead, given the facts implied in the above? Both of those trend lines are historic reasons for manufactured housing to advance.

MobileHomeShipmentsManufacturedHomeShipmentChartMHIAShipmentsMHIndustryChampionSkylineHUDCodeDailyBusinessNewsMHProNews-666x768

The facts are unmistakable.  A new alliance in manufactured housing must be forged. One that works for happy home owners through good, honest business practices. MHARR does fine by their members. They are at the head of the line cheering on the creation of a new, post-production trade group.  

Clayton Homes Ripped by Customer Complaints Spotlighted on ABC News

How can an industry trade group have dignity, when some of its most prominent members are plagued by scandal after scandal?

Has the Manufactured Housing Institute Accused Former MHI Chairman Nathan Smith of Federal Law Violations?

The industry is only slowly recovering from the disaster of 2008. Berkshire, Clayton, MHI, and people like Democratic supporter Nathan Smith are at the crux of the issues. That’s my considered view, based upon facts, evidence, reason, and analysis. MHI, Clayton, Clayton’s Attorney, Nathan Smith – they’ve all been given a chance to respond or debate.  Silence. They fail to defend the industry time and again, on issues like the one linked below.

Rumble over Anti-MH Law-State Association, Manufactured Housing Institute (MHI), Clayton Homes, and MHARR

To educate or inform is to lead forth.  The short-term focus must be to get candidates that will support the Trump Agenda into office or re-elected. Once that’s done, a new trade group must be forged, that can work with MHARR and independents of good will to advance the industry. “We Provide, You Decide.” © ##  (News, analysis, and commentary.)

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

FactoryBuiltCarsClothingAppliancesElectronicsCellsSmartPhonesHomesItJustFollowsLATonyKovachC2017MHproNewsBy 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 Rich, Famous, PreFab Homes, Manufactured Housing, Hypocrisy, and You

Principle of ‘The Lesser of Two Evils,’ and MHVille’s Future

“How Dare You…!” ELS’ Howard Walker Blast at MH Industry Professional

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

 

Profits, Understanding Human Events, and Manufactured Housing

July 7th, 2018 No comments

 

ProfitsUnderstandingHumaneventsandManufacturedHousingDailyBusinessNewsMHproNews

When in the course of human events...”

 

Day by day, people make life-changing decisions. Those choices can be for good or ill.

A fact without context may have little discernible meaning. To properly understand the present, or any moment in time, one must understand what occurred previously. 

In the famous George Orwell’s dark novel, 1984, control of information – including historical – was part of how “Big Brother” could pivot his alliances between otherwise ‘competing’ factions.

Orwell used fiction to brilliantly shed light on the human condition. 

 

Profitable History 

History could be profitably oversimplified to the following notion.  

History is a series of events describing how this or that ambitious person or group tries to dominate, manipulate or oppress others. That domination in turn creates a desire for freedom among those being manipulated, disadvantaged or controlled. 

When in the course of human events…” are the first words in the Declaration of Independence. The founders were educated men who knew history, business, philosophy, science, and religion. 

America’s founding founders were the opposite of socialists.  They were fighting against economic, political, and legal oppression. They did so for moral, and religious reasons.

 

TheManufacturedHousingRevolutionManufacturedHomeLivingNewsMastheadBlogMHProNewsLogo

The report on this topic, along with others mentioned in the body of this article, are found under related resources, at the end of this column.

 

Not What It Seems

Because of competing interests, stories – narratives – are told that spin, twist or outright lie about some fact, person, history, or group.  

The brilliant G.K. Chesterton was spot on in saying, “What is wrong is that we don’t ask what is right.”

It was sheer genius when the venerable Fulton Sheen – with his keen insights into human nature – caused him to observe that people can be tempted to do what is right, just as we can be tempted into doing what’s wrong. 

It’s a stretch to say that a brighter future for America depends upon a wider acceptance of manufactured homes. But a broader understanding and embracing of manufactured homes would demonstrably yield more wealth for people of modest means, and all others too.  Is there evidence or proof for that claim?

Yes, and it’s been produced over the years by educated, third-party researchers. 

Greater personal net worth for the working and middle class would in turn make America as a whole a more prosperous, and freer people.  Wealth in all of its forms – properly understood – breeds more wealth.  Wealth isn’t a zero sum game, as some have been mislead into believing. 

We must not forget that manufactured homes – along with the mobile homes that were built before the federal manufactured housing standards began on June 15, 1976 – were a working-class option praised by American presidents. The subsidized housing system of the last 50 years is a demonstrable failure. It can never keep up with the demands, and never has. 

In contrast to subsidized housing, manufactured homes are uniquely positioned today to serve the needs of people on virtually all rungs of the economic ladder. 

But we must also embrace the reality that millionaires, the famous, and even some billionaires have owned a manufactured home they called their own home.  That fact often opens minds, and thus boosts manufactured housing’s acceptance, and appeal. 

Opening minds is at the heart of what must happen in America.  Opening minds must occur on every level of society, including that of the good news, which   includes how manufactured homes have and can support the American Dream. 

 

GreenLeafInsideLightBulbProfitsMastheadBlogManufacturedHousingIndustryMHProNewsThe American Dream – The Profitable Battle Over Housing, Freedom, and Understanding  

The American Dream was never about mere shelter, or “housing.”  

Rentals or subsidized housing wasn’t what the rebels of 1776 fought, bled, and died for during their era.  The very notion would have been widely rejected then, and rightly so.

Today, we should in stages remove subsidized housing from the government’s practices and then, it’s lexicon of failed socialized efforts. 

Private ownership of housing is to be preferred as a public policy.  Who says? Harvard, and several other third-party researchers.  

So, the American rebels wanted to be secure in their persons, properties, papers, and possessions.  They wanted no taxation or regulation without just representation.  They wanted a republic, not a democracy, dictatorship or monarchy.  

When one reads the Declaration of Independence in the context of history, it’s a brilliant document. Ditto the U.S. Constitution, and the Bill of Rights.

 

Compromise…

The founders of the U.S. made complex compromises. A black or Native American might understandably feel a level of pain over some concepts in those documents. But we must be mindful, as dark-skinned immigrant Dinesh D’Souza reminds us, that whites were indentured servants too. Servitude isn’t only a racial issue. Oppression in all of its forms plays a sad part in all of human history.   

The quest for freedom is part of that puzzling mosaic of history, which is best understood as the struggle of some seeking domination over others. That domination takes many forms.  That thirst for domination in turn sparks the desire for freedom.  Often, as we all know from experience, we don’t realize some good thing that what we have, until we’re losing or have lost it. 

So it’s a poisonous fallacy to say that the U.S. Constitution was purely racist. Because blacks owned other blacks – sad, but true – and white’s made chattel of other whites for long periods of time. Conquest is color blind, and so is the thirst for freedom. Freedom is won or lost in degrees, and over time. 

Race hustlers should be denounced as manipulative, just as certain billionaires seek to rig the system for their own benefit and enrichment today. Socialists may be sincere, but they are misguided.  The socialist system is failing before our eyes in Venezuela, in just a decade. It failed in Cuba. The Chinese Communists, and the Soviet Russians abandoned socialism too. 

Why should Americans buy into propaganda that’s so blatantly false? 

Then why are some billionaires peddling dressed up variations of socialism to Americans today? 

Because socialism requires big government.  Big government means power over people.  That kind of power is a path to taking the wealth of others, by misusing government.  Government is a devious way to obtaining money that ought to be sought by honest work. Here’s another historic tip. The Nazi’s weren’t right wingers.  They were “National Socialists” = Nazi. There are so many lies and half-truths being spun today by the manipulators that it’s disgraceful. That’s why ignorance of history, economics, morality, or politics is dangerous.

 CrowdofPeopleRaisingHandsMastheadManufacturedHousingINdustryDailyBusinessnewsMHProNews

 

Celebrating Success

We celebrate honest success here, and are for the rights “endowed by our Creator” enshrined in the principles of Life, Liberty, and that Pursuit of Happiness;” which in the earlier draft of the Declaration read “Life, Liberty, and Property.”

Those who peddle:

  • Socialism,
  • Racial hatred of any kind,
  • Universal Basic Income,
  • Sexual divisions,
  • “Free” college,
  • “Free” health care,
  • Subsidized housing,
  • Higher taxes,
  • More regulations,

are arguably either ignorant, misguided, manipulative or some combination of those three.

People are never free who are entirely dependent upon others.  

The revolution of 1776 was controversial even in the 13 colonies.  Those colonies declared themselves to be a confederation of independent states. George Washington and the others had a price on their heads, and a bulls eye too.  Benedict Arnold wasn’t alone. America was divided, then and now.  Some fought for the British crown, just as some fight today for the monopolistic and socialistic. The reasons then and now are similar. Greed. Lust for power. The desire to control the lives of others.

Understanding the principles of human nature, and the principles of history are necessary for Americans to reclaim our national vision.  Affordable home ownership is part of that American Dream.

 

Homeownership  

A man’s home is his castle,” wasn’t mere sentimentality. The right to own property – including one’s home – and to be secure in one’s person, property (think home), papers, possessions, and beliefs were at the core of the 1776 revolt. Note that the 10 Commandments protected private property, and the truth. 

The American revolution was also about no taxation or regulation without just representation. It was about establishing laws that protected rights, even the rights of minorities against the potential of mob rule from manipulated majorities.

We’ve got a Republic, at least on paper, not a democracy.  

But a new revolt, which could be peaceful, is arguably needed today. That revolution – and a counter-revolution – are already underway.

That revolution of the American Dream begins with understanding realities vs. popularized fictions, lies or half-truths.  

Zoning” and other forms of land-use control are among those structures that are potentially as oppressive as what the founders rebelled against in 1776.  Note that 200 year span between the revolution, and the dawn of the manufactured housing era?

Manipulations of the American system in turn caused affordable housing shortages in places throughout the nation. Who says? A growing body of researchers, that have been cited for years here on MHProNews, or on MHLivingNews. Why don’t those folks in Arlington, VA routinely cite those same third-party sources?  Why do they turn instead to their own, weaponized data and claims?

 

$2 Trillion Annually

Problematic zoning and land use, say university-level researchers, costs America an estimated $2 trillion dollars a year in lost GDP.

$2 trillion dollars a year is roughly equal to $6,000 per every many woman and child. 

Rephrased, for a household of 4 people, it would be like adding some $24,000 per year in earnings.

That’s life changing for tens of millions, and would be far more effective than the phony higher minimum wage, public assistance programs, or other enslaving handouts that some socialistic-minded wags advocate.  Those truly need have always been cared for in America. We didn’t need big brother government to care for people in need.

When Americans are kept from understanding and embracing manufactured homes – per the logic and reasoning that flows from third-party researchers from places like Harvard – it’s costly to all Americans.

But ignorance and rejection of the truth about manufactured housing is especially costly to those whose only home ownership chance may be a manufactured home. 

ManTouchingLightBulbMastheadBlogManufacturedHousingIndustryMHProNews

 

Wheat and Chaff 

There’s an absolute necessity to seek the truth, regardless of its source. That in turn requires a “wheat and chaff” approach that discerns what is real – from what is problematic. Often, common thoughts are nevertheless untrue. A great example is a manufactured home, which many misunderstand, because they believe the common prejudice, vs. the honest, demonstrable reality.  

We may disagree with this or that political party or organization on a range of issues.  But a group or person may still hold a position which is demonstrably wise, good, and true. Prosperity Now (formerly CFED) has done some fine research, but also hold some problematic socialist-tainted views. They are keenly involved in MHVille, and are an example of the need for a wheat and chaff approach. They are also an example of why engagement is a wise course of action. Critiques properly understood aren’t an attack.  Critiques are a call for intelligent debate, discussion, and mutual learning.

Former Clinton adviser and Democratic strategist Doug Schoen has said that the Democratic Party can’t be a party of redistribution of wealth. Smart.  

Schoen sees the hard left push in his party as embracing socialism, and he rejects it. Democrat Alan Dershowitz sees the harm being caused by weaponizing parts of the government in an attempt to illegitimately unseat a duly elected president.  

You or I may not trust the political, religious or economic perspective of some group or person.  But that doesn’t keep us from considering a specific truth that another may offer.  

So, for example. Much of what Democrats as a party are embracing today in the way of socialism and supposedly “free stuff” – which obviously someone must pay for – are demonstrably nonsense. They are false promises, designed to manipulatively attract, and trap millions of minds. 

But the Democrats were arguably smart to put up a policy position that calls for stronger controls over monopolistic forces in America. On that point, this Masthead writer agrees with them. That’s another example of separating the wheat from the chaff.

Candidates Bernie Sanders and Donald Trump agreed on this. The “System is Rigged.” That much is true. 

And that rigged system is keeping millions from being more free by having their right to choose a manufactured home limited or removed.

Yet, that right to choose a manufactured home is essentially codified in federal law, in the Manufactured Housing Improvement Act of 2000, found in the enhanced preemption clause. That’s how zoning and other land-use regulations, which are strangling opportunities for millions to own a manufactured home, can be defeated, just by applying existing federal law.

The reward for doing so is a society that researchers say would produce $2 trillion dollars more a year in GDP. That in turn would in time end the need for subsidized housing, and other well-indented – but nevertheless misguided – ‘entitlement programs.’ 

We editorially oppose socialists and monopolistic manipulators.  It is interesting to note that those billionaires often publicly claim to support leftist candidates. We oppose them, whether their headquarters are in Omaha or Silicon Valley, etc.

There are some billionaires who are no doubt just fine, so its not the rich that are being blindly opposed.  But rather, it’s those who have rigged the system against the rights of “We, the People.” It’s a matter of principle, based upon an understanding of economic, legal, political, and historical forces.

There are more than one strategic moats which threaten our Republic from within.  That’s why the fictional movie Network was as brilliant a look at reality as was George Orwell’s 1984. 

 HistorySeriesEventsDescribingAmbitiousTriesDominateManipulateOppressOthersThatCreatesDesireAmongFreedomAmongThoseBeingManipulatedDisadvantagedControlledLATonyKovach

 

Manufactured Home “Choice”

Manufactured Home Choice” or the “Manufactured Home Option” must become a factually accurate, evidenced based battle cry that third-party researchers logic says could create trillions in more wealth and GDP productivity for the USA.  

That would yield thousands of new millionaires, and some new billionaires. They should embrace the long-term vision to make that manufactured home option part of the reality of the “American Dream. 

That’s the Profitable Manufactured Housing Revolution.

That can be done without creating a monopoly. 

If you’re among those who’ve followed our periodic series of reports on issues – past and present – that could make manufactured housing greater than ever, you aren’t alone.  If you’ve missed them, some are linked below, as references for greater insight on this essay.

 

Tim, Kevin, Joe, Keith, David, Ross, Mike, Sam…

MH professionals named Tim, Kevin, Joe, Keith, Ross, David, Ross, Mike, Sam, and a host of others are – per our sources – following those reports, articles, and commentary like this on MHProNews.  When they follow it, that’s a good reason for others in MHVille to do the same, isn’t it?  

They, per the evidence, may or may not agree with the goals behind what we publish. What is our goal?  To expand opportunities made possible by a broad use of manufactured homes, promoted in an honest, sustainable, and honorable fashion.  

As an example of those that Marty Lavin calls the big boys” – and how they react to what is published on MHProNews is this.

We are told by sources in and out of their Arlington based network that a gent named Tim is “obsessed” with what we publish. 

Why?

If this was a place online for the angry or mad, it would soon be devoid of readers.

But instead, third-party reports reveal a growing audience, which includes: 

  • International investors,
  • public officials,
  • advocates,
  • media,
  • researchers,
  • educated people across the left-right divide,

along with thousands of manufactured and factory-built home industry professionals.  

They come each day by the thousands to the Daily Business News and/or to other parts of MHProNews. 

Some who initially misunderstood – or even strongly opposed – our exposés like Smoking Gun 3 and other reports have-or-are becoming convinced by the evidence presented.

Facts in context matter. 

Some monopolistic minds sought to marginalize or kill-off, we’re told, this pro-industry, pro-growth Trade Media platform – along with our sister-site, MHLivingNews.com – which also begs the question, “Why?” 

George Orwell, the founders, or other freedom-loving thinkers and doers throughout history hold the answer. 

Ignorance is Strength,” was a slogan “Big Brother” used in Orwell’s 1984. If someone can keep you ignorant of your rights or opportunities – in the problematic world-view of monopolistic or socialistic dominators – that allows them to profit or benefit.

The tragic irony is this.

There is arguably more profit without the monopolistic strategic Moat than with it. Is there evidence for that claim?

Sure.  Just look at MHVille when there were more independent producers, vs. the scarcity of independents today for proof.

There’s more wealth to be earned by making America and Manufactured Housing Greater than ever, than there is by robbing people of opportunities though pressures, ignorance, rigged systems or false promises. 

We have always celebrated honest success on MHProNews. 

We oppose on principle monopolistic or any other form of economic, moral, and political oppression as Un-American. 

At the end of the day, it’s the truth that sets people free. Who says?  How about a wise Jewish rebel who preached a gospel that even centuries later motivated the 1776 founders who put their lives, fortunes, and sacred honor on the line, when they began with those timeless words…

When in the course of human events…”

TheManufacturedHousingRevolutionMastheadDailyBsuinessNewsMHProNews

Knowledge, not ignorance, is the beginning of freedom.  

ItsTheCivilRightsIssueOfOurTimeMHLivingNewsDeadwood5StateConventionManufacturedHomesMHProNewsLATonyKovach

Education, not spin or hype, are a fundamental part of the Manufactured Housing Revolution.

 

NothingIsChangedUntilItisChallenged-SoheylaKovachLATonyKovachTamasKovachDonaldTyeJr.575x238

Tony took the photo at the right.

It’s all about the education of our fellows that can make this manufactured home industry an ever-more vital part of the American Dream of homeownership.

The proof is there for those who are willing to explore the evidence. Can we get an “Amen?” ##  (News, historic, commentary, analysis.)

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

Related Reports are below…

By L. A. “Tony” Kovach, publisher, consultant, history buff, and manufactured housing industry expert.

Connect on LinkedIn.  For 2x weekly emailed headline news, click here.

 

 

 

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Manufactured Home Shipments, State by State Breakdown, May 2018 Official HUD Data

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Time Travelers, and the Future of American Homes

 

Deadwood, the Manufactured Housing Revolution, and You

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

“Challenges to Obtaining Manufactured Home Financing,” Urban Institute Report Fact Check, Analysis

YIMBY vs. NIMBY, Obama Admin Concept Could Unlock $1.95 Trillion Annually, HUD & MH Impact

 

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

Achieving the American Dream, with Quality, Appealing, Affordable Home Ownership

“The Solution to the Affordable Housing Crisis is Hiding in Plain Sight”

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

Researchers Shake Up American Dream? Rent vs. Buy, Ken Johnson, Florida Atlantic University, Exclusive to ManufacturedHomeLivingNews

Urban Institute Ask for Correction in Analysis of their Manufactured Housing Research, “Follow the Facts,” “Follow the Money”

“Death by Government,” Fascism, Communism, Socialism, ‘Big Brother,’ per Williams, Rummel and Owens

 

Publisher Rebuked! Doubting Doctor, Skeptic Stunned!

 

HUD Secretary Ben Carson – Manufactured Housing Historic Results – Words, Deeds, and Metrics

April 28th, 2018 No comments

HUDSecretaryBenCarsonManufacturedHousingHistoricResultsWordsDeedsMetricsDailyBusinessNewsMHProNews

Manufactured Housing is every bit as “amazing” as HUD Secretary Carson said in a video found on MHLivingNews.com. Secretary Carson had even more to say, his full prepared statements are exclusively found at this link here.

Manufactured homes are indeed a “phenomenon,” as award-winning industry veteran Ron Thomas, Sr. told MHProNews.

The industry needs good data for investors and lenders, and accurate reporting for the public, as MHI/NCC member and RV Horizon’s Frank Rolfe has said.

It is more important “to pay attention to what people do, than what they say,” and to “follow the money,” as award winning industry success story, Marty Lavin, J.D., told the Daily Business News.

If the Duty to Serve (DTS) Manufactured Housing had been optional, Congress would not have called it a “Duty,” which means mandatory, as Mark Weiss, J.D. has said.

The industry is indeed recovering from its 2009 “nadir,” as George Allen likes to phrase it.

America needs 8.3 Million new housing units right now, per Lawrence Yun, the National Association of Realtors Chief Economist. Yun added that builders have to “get busy.”

In 2002, Eric Belsky with Harvard University was cited as predicting that manufactured housing would overtake conventional housing by the end of the decade. That citation was in a report by the Manufactured Housing Institute (MHI) over a decade ago, but not much since.  When Up for Growth recently said similarly – that there’s been over 7 million units needed that weren’t built in recent years – why didn’t Belsky’s prediction come true?

In 2003, Warren Buffett’s Berkshire Hathaway bought Clayton Homes, and then Oakwood Homes, which combined became the biggest producer of manufactured housing by that year’s end.

In 2009, Tim Williams President and CEO of 21st Mortgage Corp, issued a letter that explained that they would cut-off specified financing to manufactured home industry retailers who weren’t selling specific Clayton brands. Williams said Berkshire couldn’t afford to continue to make those loans, which they previously made on other producers’ products.

By 2011, Berkshire Hathaway’s Clayton Homes CEO, Kevin Clayton said that his company was 25 percent of the manufactured housing industry’s production. In an video interview with exclusive details added to his unedited words, Clayton explained in various ways Warren Buffett’s principle of “the Moat,” and how it was used to best competitors in a manner some have described as monopolistic.

Clayton also said in that same video that “Warren” assured him they had “plenty of money,” and that they had invested billions of dollars in acquisitions and loans every year since they were purchased.  In fact, Kevin names some of their acquisitions and billions in investments in that video.

Doesn’t Kevin Clayton’s freely made comment about having “plenty of money” contradict what Tim Williams said less than two years before as his reason to cut off lending to industry independents?

Doesn’t Berkshire Hathaway’s billions of cash on hand in 2009, 2010, etc., also contradict Williams’ letter, which cut off/limited funding to independent retailers?  Didn’t several independent producers fail or sell out – often to Clayton – in the wake of Tim Williams’ letter?

Since the above, Buffett’s Berkshire brands have now become about 50 percent of the manufactured housing industry’s production.

Buffett has said, he likes a bargain. By cutting off lending and capital, several firms sold out for less or failed that would have been the case had more capital been made available.

For years, the four person Executive Committee of the Manufactured Housing Institute (MHI) has been comprised of 2 employees of Berkshire Hathaway companies. One or two of the other companies represented on the MHI Executive Committee also did business with Berkshire Hathaway owned companies. The fingerprints of Berkshire’s influence over MHI are unmistakable.

In 2008, the SAFE Act was passed, with aspects problematic for the manufactured housing industry, which played no role in the 2008 Housing/Mortgage meltdown. MHI failed to head the SAFE Act off, why? Why did Buffett back Secretary Hillary Clinton – who vowed to keep Dodd-Frank unchanged – instead of Donald J. Trump?

In 2008, the Housing and Economic Recovery Act (HERA) was passed, which included the SAFE Act, but also included the Duty to Serve (DTS) Manufactured housing imposed by federal law on the Government Sponsored Enterprises (GSEs).

A decade after DTS was passed, both of the GSEs have finally announced limited pilot programs. They stated their pilots were limited in part due to a lack of recent data. Yet Triad and Credit Human provided data. CFED rebranded as Prosperity Now pointed the GSEs to data on an over $1 billion dollar loan portfolio that performed well.

What lack of data?

Tim Williams admitted in a group of a few dozen MHI member that 21st Mortgage and Vanderbilt Mortgage (VMF) did not provide data to the GSEs. That was confirmed by Paul Barretto of Fannie Mae, to MHProNews in front of dozens of attendees in Tunica in March of 2018.

Yet, Lesli Gooch, Ph.D. and EVP for MHI has said that MHI is doing all that they can to move chattel lending ahead for manufactured home companies. Really? How can that be said with a straight face, when their largest lenders have not done all – or any – data sharing that they can do?

Mark Weiss, JD, President and CEO of MHARR (Manufactured Housing Association for Regulatory Reform) has said that every day that the GSEs don’t robustly implement chattel lending for manufactured homes is a gift to Berkshire Hathaway.

Not last for this hot topic, and not the least is the issue of image and education. MHI has arguably failed for years to do anything meaningful about responding routinely to false or misleading reports in mainstream media or academia about “mobile homes,” ”trailer houses,” or “trailer parks” when those issue arise weekly in the news. Tim Williams/21st and then MHI Chairman admitted there’s “a good argument” for doing precisely that, then why hasn’t it been done?

Advertorials and their MHI social media pages clearly have not moved the needle from the still historically low levels the industry sunk to in 2009, as our recovery is still just a fraction of what RVs, single family housing, or multifamily housing starts are.  That’s opportunity in disguise for the forward thinkers and doers. But it isn’t it also a sign of failed leadership?

 

It is time for Manufactured Home Owners, investors, and professionals to realize what has actually happened in our industry. Pretty sound words and years of failed promises by MHI and the powers behind them ought to result in accountability. Instead, paid staff have had raises and bonuses.

Rewarding words alone, no matter how pretty those words are, clearly isn’t enough. Deeds and performance must follow those words. Thousands of emails is interesting, or lots of likes on social media looks cool. But absent passing legislation, achieving reforms, or seeing a robust increase in sales — those are true measures of success.

MobileHomeShipmentsManufacturedHomeShipmentChartMHIAShipmentsMHIndustryChampionSkylineHUDCodeDailyBusinessNewsMHProNews-666x768

MHI has failed to perform for the majority of the industry’s independent companies. A few voices have had the courage to point out aspects of these issues, but not enough.

Reality Check. What this data shows is that manufactured housing is about 7.5 percent of all single and multi family U.S. housing starts. Given how cost effective manufactured homes are, isn’t this an indictment of the industry’s major association and business leadership?? RVs, a luxury item, outsell manufactured homes by some 5 to 1. That said, there is tremendous possible upside for the industry, given the right mix of regulatory, investor and industry efforts.

The Trump Administration is doing it’s part, as Secretary Carson recently said – once more – linked here.

Editorially, we hope and pray that HUD will ask the Federal Trade Commission (FTC) and the Department of Justice (DOJ) to start or step up their investigations and actions to break up the allegedly monopolistic practices of Berkshire Hathaway and their surrogates, MHI.

Manufactured Housing is the solution to the affordable housing crisis that is hiding in plain sight.

MHI’s et al‘s failure to act on behalf of the majority of the industry’s members in recent years is arguably inexcusable. A few are consolidating the industry at the expense of the many. MHI/NCC VP Jenny Hodge has said as much about “consolidation.”

While production, retail and lending – among other niches – are widely seen as dominated by Berkshire Hathaway brands, there are still more independents – for example – in manufactured home communities. But for how long?

Words and Promises Can Sound Nice, But Deeds and Results Pay the Bills.”

– L. A. “Tony” Kovach.

The time to forge a post-production alternative national association to MHI is now. Millions of homes are waiting to be built, financed, and sold. Millions of potential home owners await. ## (News, analysis and commentary.)

 

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

Related Reports:

Manufactured Housing – Regulatory, Other Roadblocks and Potential Solutions, Up for Growth Research, plus Urban Institute Report Revisited

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

Marketing, Web, Video, Consulting, Recruiting and Training Resources

 

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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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Best Warren Buffett, Kevin Clayton, Clayton Homes, Berkshire Hathaway Annual Meeting, Competition, and “the Moat” Video Collection

April 22nd, 2018 No comments

Warren Buffett’s Annual Letter to Berkshire Hathaway Shareholders, and their annual shareholders meeting, are writ large on the calendar for investors.  The same can be said for professionals who are in or researching – or in – the manufactured home industry.

BestWarrenBuffettKevinClaytonClaytonHomesBerkshireHathawayAnnualMeetingCompetitiontheMoatVideoCollection

Clayton Homes – led by company founder Jim Clayton’s son, Kevin Clayton – become the largest producer of manufactured homes the year that Berkshire Hathaway Chairman Warren Buffett bought the company in 2003. It became the largest builder or HUD Code manufactured homes later that same year – 2003 – when Buffett’s Berkshire purchased Oakwood Homes, and rolled it into the Clayton ‘family of brands.’

Warren Buffett, and Bill Gates
compete in the annual newspaper toss
to a Clayton Homes front door at shareholders meeting.

That was one of an ongoing string of acquisitions since then, which in more recent years have included purchases of site-builders, as well as other factory producers.

Kevin Clayton talks about barracks for the military, tiny homes
annual Berkshire Hathaway shareholders meeting.


 

Why did Buffett do all this?  Why has he endured the ‘drama’ that has gone along with Clayton Homes and manufactured housing?

Pay close attention to what you see, hear and read, and you’ll get it.  Short answer?  Listen to Buffett explain his own principles. Mr. Buffett wants a business that is easy to understand. He wants a business with “a moat.”  During an affordable housing crisis, what business is easier to understand than manufactured homes?

Short Warren Buffett On Clayton Homes
Allegations of Discrimination, CNBC

Two quick quotes, and then on to the rest of the videos.

I call investing the greatest business in the world … because you never have to swing…All day you wait for the pitch you like; then when the fielders are asleep, you step up and hit it,” – Warren Buffett, per Wikiquotes.

Draw a circle around the businesses you understand and then eliminate those that fail to qualify on the basis of value, good management, and limited exposure to hard times.” Warren Buffett, in “About Investing.

Kevin Clayton, Clayton Homes CEO
on military barracks, tiny houses more…Fox Business.

 

Warren Buffett, Kevin Clayton, Clayton Homes Related Videos

For those in or new to manufactured housing, these videos offer a peek inside the world of Berkshire, and their dominance of manufactured home:

  • construction,
  • retail,
  • lending,
  • suppliers,
  • insurance and other financial services arena.
  • You’ll also get a peak into their move towards conventional housing, and they were already doing modular home construction.

Berkshire Hathaway’s
Clayton Homes Moving into New Conventional Housing Markets
– The Street

 

Warren Buffett’s “The Moat” Strategy – How to Dominate Competitors, in Buffett’s and Kevin Clayton’s Own Words

For those who are researching concerns over monopolies or alleged monopolistic practices – and how that had played out in manufactured housing – the videos below are must viewing.

Warren Buffett, Berkshire Hathaway Chairman,
Competitive Advantages and “The Moat” per Buffett, Video Interview Clips
– MHLivingNews.com

 

For those looking for a deeper dive in reading and research on related topics, the links below provide arguably the most comprehensive research by an informed, pro-industry expert and witness to the evolution of the industry from its early days as trailer houses, to the mobile home era, and to industry since June 15, 1976, when it formally became HUD Code regulated manufactured housing.

 

The solution to the affordable housing crisis is hiding in plain sight. That’s been a subtext for closing in on a decade on MHProNews.com as well as on our public focused sister site, ManufacturedHomeLivingNews.com, both of which also looks at modular, prefab, conventional, and pre-HUD Code mobile homes.

For first timers, to industry veterans, this is the number one site of its kind. Who says?  Besides third party traffic data, there’s the widespread praise for these twin platforms that has flowed for years from many pros, including from the founder of Clayton Homes, Jim Clayton, as well as from independents and others.  The video praised captured below is just a sampling of spoken and written praise.

 

 

While we are pro-industry, we are also pro-consumer, and are strong believers in free enterprise.

Kevin Clayton Interview, Warren Buffett’s Berkshire Hathaway,
Clayton Homes CEO, Manufactured Homes, Affordable Housing News – MHProNews

Unlike much of the trade media in our industry, we do not shy away from controversial topics. So, for example, the question of the impact of alleged monopolistic practices by Buffett, Berkshire and Clayton Homes, or other charges against the company are among topics we’ve closely examined for years.

We hope you learn, and enjoy.  “We Provide, You Decide.” ## © (News, analysis and commentary.)

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

Related Reports:

Manufactured Housing – Regulatory, Other Roadblocks and Potential Solutions, Up for Growth Research, plus Urban Institute Report Revisited

 

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

Marketing, Web, Video, Consulting, Recruiting and Training Resources

 

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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Happy MH Owners? Good Professional Actors? Overlooked, “Honorable People”

April 11th, 2018 No comments

ManufaturedHousingIndustryHappyHomeOwnersGoodProfessionalActorsHonorablePeopleMastheadCommentaryMHProNews550

Executive summary. To solve a problem, to tap an opportunity, one must discover the root causes and address those core issues.

 

There are numerous untold stories in the manufactured housing industry.  

The common stories read and seen in mainstream news tend to leave the uninformed with the impression that manufactured home owners got a raw deal and are routinely troubled by bad actors in this industry.

Bad actors and raw deals exist, but they are the exception to the rule.

 Kitchen-dining-living-room-kabco-tunica-show-32x70-manufactured-home-living-news-comMastheadMHProNews

 

Positive, Routinely Untold Manufactured Home Stories

The routinely untold story is that millions of manufactured home owners love their homes. The majority of people love their community, if the live in a land lease.

Manufactured homes can exist wide by side with conventional housing, and with the proper installation, strangers don’t even realize it.

We’ve interviewed owners of true mobile homes, that may be able to buy nothing more, and they love their home. We’ve interviewed millionaires who love their manufactured homes.  Then there are all those in between. We’ve also interviewed pros from small companies to the corporate giants.  The majority of all of these are just good, honorable people.

There is no doubt that there are so-called ‘bad actors’ among the ranks of those working in manufactured housing. But they exist in other professions too. They are the exception that demonstrates that most others in MHVille are honorable people, striving to make an honest living.

Thousands of the industry’s professionals were beat down badly following the slide from the industry’s most recent high in 1998.

That meant there was a need in 2009 to bring a positive energy back into manufactured housing.

TheManufacturedHomeIndustryItsTooGoodToBeTrueThatsAPhenonenonRonThomasSrRonaHomesPriorLouisvilleShowChairman

As RV MH Hall of Fame inductee Ron Thomas, Sr. said in those days, ‘we need a new baseline to measure from.’

Thomas, for those who know him, is a can do type. He looks for solutions. He’s an optimist.  He has joy in his heart, and a love for this industry.

From Entry Level to Elegant – Inside Look at the Louisville Manufactured Housing Show

RonThomasSrManufacturedHomeLivingNewsMastheadManufacturedHomeIndustryCommentaryMHProNews

Optimism and “can do” were necessary in the days when the industry canceled the Louisville Manufactured Housing Show in 2010 – the first time that occurred in its 5 decade run. 

What some today forget, is that in 2010, the show had been sliding backward for years. It was thought the show was dead, never to return.

We proudly played a part in the shows recovery and did so for many years. The kind messages of thanks from industry pros involved with the show are a reminder of what is real.

We too are manufactured home optimists. We too are believers in this MH Industry.

The industry is now years into its recovery. It is no longer about happy talk, as pleasant as that is.  It MUST be about reminder of our industry’s GREATNESS and POTENTIAL again. MH Pros and investors must recall or learn about our industry’s “Glory Days.”

Tunica, Nashville Trade Shows and Manufactured Housing Glory Days

It must also accept that most homeowners are happy about their home.

On ManufacturedHomeLivingNews.com, for years the effort has been to spotlight the good news about manufactured homes.

ManufacturedHomeLivingNewsHomePage4112018MastheadBlogMHProNews

The MHLivingNews home page on 4.11.2018 https://www.manufacturedhomelivingnews.com/

It was the industry’s first and still primary vehicle of its type for a reality based story.  There has always been promotion of individual businesses and communities. There has been some periodic efforts at image building in places, such as the Northwest Pride campaign, or events in California.

There are several state associations, retailers, or groups today that take homes to home shows, for crowds of everyday people to experience.

All of those are necessary and good.

But the statistics tell an MH realist that it isn’t enough. The following are a slam, they are reality checks.  Clayton produces slick videos.  Some have hundreds of thousands of views. Millions of views total, millions of contacts with possible consumers. Yet last year, Clayton only did a total of some 48,000 homes sold. 

The same is true at MHVillage, which has Dan, Darren, Dawn and company – very pleasant and intelligent people, all.  At Tunica, Darren Krolewski said publicly and privately the following.  They had some 25,000,000 unique visitors last year.  About $3 Billion in total home sales, of about 80,000 new and used homes. 

Impressive. 

NumberNewHousesSoldInUS1995to2016DailyBusinessNewsMHProNews

Just the FACT$

Or is it?  Doesn’t it hide facts that should trouble the industry?  80,000 sales means the average home sold was $37,500.  That’s typically a use home, relatively small numbers of new homes are being sold there. Divide 25,000,000 by 80,000 = 0.0032.  That means, less than 1/3 of 1 percent of visitors are pulling the trigger.

DarrenMHVillageMastheadBlogDailyBusinessNewsmHProNews_001

1/3 of 1 percent of MHVillage visitors are buying. The average sales price is $37,500, using Darren’s talking points. That means few new home sales, and low conversion rates. Don’t get me wrong, good for MHVillage. But objectively seen, it’s yet another warning sign for the industry. At the heart of this, our research shows the issue is educational…it’s the inaccurate perceptions. It’s image.

If you went into the CNBC Shark Tank with the industry’s statistical breakdown of low – 1/3 of 1 percent conversions of leads – those investor sharks would laugh the presenters out of the room.

There is clearly missing pieces to the industry’s recovery.

That’s reality. Two analogies.

  As an optimist who doesn’t quit, I don’t walk into the rain without an umbrella.

  You don’t listen to a doctor tell you that the tests reveal that you have cancer, and then hope it will go away.

The wise optimist is reality based, goal and solution oriented.

ExecutiveSummaryToSolveProblemTapOpportunityOneMustDiscoverRootCausesAddressCoreIssuesMastheadManufacturedHousingIndustryCommentaryMHProNews

 

Tony…the industry hasn’t done jack sh-t when it comes to image…”

The above was part of a longer message from a successful and well known retailer.  The industry veteran went on to say how glad he is that we are trying to do something about the image of the industry.

Without credibility, there is no story telling-worth it’s salt.

Even though mainstream media is often doubted and disliked, there are some reports that ring true for Americans.

Frank Rolfe admits to violating his own premise that the nomenclature about manufactured homes needs to change.

 

 

That said, Rolfe’s correct in saying that most Americans have no clue about manufactured homes today. Their image is based upon 8 Mile, or the Trailer Park Boys, or the local news reports.

That’s reality. Savvy, goal and solution oriented pros must deal with it.

 

 

The solution is both simple and nuanced.

  The truth must be presented.

  The falsehoods must be refuted.

  Where they exist, real problems must be addressed.

That isn’t done with one video, or one story. It’s not done by pretty pictures or even slick 3D productions. Don’t get me wrong! Those can help.

NewExistingHomeSalesDailyBusinessNewsMastheadManufacturedHousingIndustryCommentaryMHProNews

Existing home sales have pushed beyond 5.5 million units a year. New conventional, site built sales are moving toward 600,000 single family homes.  That’s not counting multi-family housing construction. 

But so long as most people believe that manufactured homes are made out of cheap materials – or are as a regional news source said recently “wobbly boxes” – people will suspect that its lipstick on a pig.

That’s not negative. It’s reality.

When the Louisville Show turned to us for help with marketing their event, we delivered.

Others who have worked with us, know that we deliver.

There are voices in the industry who years ago worked to undermine what we are trying to do. You have to ask, why?

That was long before we began to spotlight internal industry issues. So you can’t say they retaliated for something. It was long after that began that those fact checks of internal industry claims began.  By the way, those fact check stories have helped spur certain organizations to act better; not well, but better. We’re proud of our part in that effort to advance the industry.

But the entire time, we’ve kept up the good news of manufactured housing reports on MHLivingNews.com.  MHProNews provides the facts industry pros must have to navigate reality, not fantasy land.

There is nothing else in MHVille like this dynamic duo.

That’s true in part because third party media interviews real people, and we as trade media let those people speak in an interview setting.

We’ve done the field tests. That works at the local level.  And the local level is what matters for the majority of industry professionals.

There is more to what we do than just interviews.

But the point is this. Those who undermine what we’ve done for years, are arguably undermining the industry’s more robust recovery.  The ones who praised us, did they stop and turn because we threatened some unstated plan to slow walk growth and recovery for independent businesses? 

 

 

Attacking the Industry

Attacking us, is an indirect attack on the interests of the majority of independents in MHVille.

But the heart of the Masthead message today is this. Without going to the root causes of what keeps qualified buyers from purchasing a manufactured home, there will only be slow growth and more of the same

When 8.3 million affordable housing units are needed in the U.S., there is no good reason for manufactured homes not to be selling far better.

MobileHomeShipmentsManufacturedHomeShipmentChartMHIAShipmentsMHIndustryChampionSkylineHUDCodeDailyBusinessNewsMHProNews-666x768

Modular Sellers? Smell the Coffee…

Modular sellers? Wake up. HUD code homes are still outselling MODs.  Both have their place. But so long as mod sellers sell against HUDs, that’s counterproductive too.  Most of the public doesn’t get it.  HUDs and MODs should work together.  By the way, I do think that the modular industry is arguably doing a better job than the HUD Code industry at education. But pros must understand, to the typical prospect, they are all coming out of a factory.

We have a great story, millions of them, actually. The factory built home industry has to grasp that rah rah was needed in 2009-2010, even in 2011.  But as the industry recovered its footing and self-confidence, the next phase became necessary.

One must do reality checks, and act based upon optimistic-realism. One needs a “can do” professional system that works.

Everything else is just a pipe dream. Can do, honest reality, is the ticket. ## (News, analysis and commentary.)

Related Reports:

Media Bias, Ignorance, Manufactured Homes, Agenda Journalism, the Truth About “Fake News”

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

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

Marketing, Web, Video, Consulting, Recruiting and Training Resources

 

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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