Archive

Archive for the ‘People’ Category

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

December 13th, 2018 No comments

 

ItsYourProfessionInvestmentTimeTalentTreasureSoWhat’sNext600x315

Political correctness – the PC movement – is arguably a form of manipulation and control. 40+ years ago, long before the PC culture took hold, people were aware of the notion that we should be polite and respectful of others. The baby boomer generation were the ones that made greater racial, religious, gender, and other forms of equality an ever-greater reality in America.

 

A recent study reflected that pay gaps have largely been proven to be a matter of choices. Men, per that study, earn more because they put in more overtime. That’s a choice. Within the norms of morality and good laws, choices should be honored.  

MailChimp says roughly 97% of our audience is domestic U.S. and Canadian. There are investors and factory-built housing professionals from across the country – and in other nations around the world – that read MHProNews. Why? Because we seek the truth, lay out facts, provide evidence, and let people make better informed decisions as a result. We don’t mind taking what some might deem to be politically incorrect positions. 

It has been almost a year since a gentleman from outside our industry – a high level executive for a multi-billion dollar organization – asked me face-to-face, why isn’t manufactured housing doing much better than it is? He had spent hours at the Louisville Show, was dazzled by the homes, and was stunned by the value.  

That was a senior executive. Someone with seasoning, a keen mind, not a greenhorn. 

Which is precisely the reason he asked that powerful three letter word question: why? Why isn’t manufactured housing performing better?

Our linked reports further below explore those issues, based on facts, evidence, and following the money.

When I joined the Manufactured Housing Institute (MHI) some years ago at the urging of industry peers, I expected to find people that wanted to see the manufactured home industry grow.

Indeed, most MHI members most certainly do want growth. 

As the son of a world-class philosopher, as a business professional with decades of experience in high-volume MH retail with high customer satisfaction in manufactured housing, and as a pro-industry and pro-free enterprise publisher, the years at MHI ticked by with little changing. I asked questions. I made suggestions. I was elected by peers to the Suppliers Division board. We did reports on MHProNews and MHLivingNews.

So we would politely advocate for what experience and logic told me was common sense.  

We interviewed almost anyone we wanted to talk to, including:

  • Jim Clayton – Clayton Homes and Clayton Bank,
  • Joe Stegmayer – Cavco and former Clayton division president, 
  • Tim Williams/21st Mortgage Corp,
  • Don Glisson Jr, Triad Financial Services,
  • ELS’ the late Howard Walker facilitated extensive authorized interview quotes from Sam Zell,
  • Sam Landy – UMH Properties
  • Nathan Smith – SSK Communities,
  • Frank Rolfe – who with his partner David Reynolds got tons of media by being politically incorrect and accessible,
  • Mark Weiss and Danny Ghorbani at MHARR,
  • MHI Presidents Thayer Long and Richard ‘Dick’ Jennison, 

and the list goes on to dozens of pros from every sector of the industry, including John Bostick, who is a respected independent’s independent.  

Those I’ve not mentioned in the brief list above should not feel slighted – because you know who you are, and so do long-time readers. Those interviews are still being read or viewed.

I’ve also not mentioned by name the dozens and dozens of homeowners with whom we did genuine interviews.  Nor does the list mention the many experts outside of our industry that we have on-the-record statements from, useful for clarity on the truth about manufactured housing.  

We did a report yesterday on the Daily Business News that includes this video by Sharyl Attiksson, award winning journalist. She walks viewers and her live audience through the “fake news” phenomenon. You can later access the video by the star journalist by clicking on the box below, which links to the report.

 

“Check Your Facts,” “Follow the Money” – Journalist Sharyl Attkisson, Fake News, MHVille Takeaways

 

There’s numerous salient points Attiksson makes, which is precisely why we curated and presented her talk to our industry-leading audience.

People who love us, or hate us, and those in between read here daily by the thousands. Why? Because we follow the money, follow the evidence, ask the questions, all while comparing claims to performance and deeds.

 

ManufacturedHousingInstituteDailyBusinessNewsMHProNews

Third party data per Webalizer, on Dec 1, 2018. In a small industry, the market penetration of professional readers is striking. We thank sources, readers, and sponsors alike.

 

People have the absolute right to support MHI, and I’d freely admit there were numerous pleasant and insightful conversations there. But what about actual performance? How do they – and their primary backers – live up to their claims? 

This is where MHI award-winner Marty Lavin’s wisdom comes in, when he said the following.

 

SoTheAssociationMHIIsNotThereFortheIndustryUnlesstheinterestsoftheBigBoysJointheIndustrysMartyLavinMHIAwardWinnerQuoteMHProNe

 

Danny Ghorbani left MHI back in the mid-1980s. He was asked by independent producers to help form a new association. That trade group today is known as MHARR – the Manufactured Housing Association for Regulatory Reform. Recall that in the 2018 Washington Post report, MHARR was revealed as the industry’s true hero re: Pam Danner (ICYMI or need a refresher, see hot-linked box below for details). MHARR has no top level turnover in years, by contrast, why has there been so much turnover at MHI?

 

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

 

As a report linked below reflects, when Danny ran the Louisville Show, it was a much bigger event than it is today. 

Attiksson makes the point in her TEDx talk that when you hear the same taking points over and over from mainstream media, you should ask, why? With so many media outlets, how is it that so many use the same phrases, the same words, the exact same talking points? 

As you explore trade media in manufactured housing, there are some variations. Some are arguably mere MHI mouth pieces. Some exist primarily to benefit the blogger. We respect their rights under the First Amendment to do so. 

But who besides MHARR and MHProNews routinely ask the tough questions about #NettlesomeThings 

We’ve done our share of ‘happy talk.’ But the facts – year after year – at MHI meetings is summed up in what a member CEO said, it is always more of the same.  

If MHI or Clayton Homes truly had the answers for what ails our industry, at what point will they actually show it?  

MHI claims they’ve exposed tens of millions of Americans to manufactured homes in 2018. If so – if they did such a fine job with their multiple-million dollar budgets – why are only 100,000 (+/-) Americans going to buy a HUD Code manufactured home this year???

 

ManufacturedHousingInstitutelogoMHILogoMHIVideoStillsMillionsofViewsMastheadBlogMHProNews-400x768

Even if MHI’s claims are true – properly analyzed – are an embarrassment to them and anyone involved. If they really had an audience of 84 million, and if their work was so good, why are so few manufactured homes being sold? Their promo video is arguably a magician’s slight-of-hand. Look here! Big Numbers! Oops, poor results…Why Aren’t Others in MH media spotlighting this obvious problem???

ManufacturedHousingSHipmentsBloombergQuintFactoryBuiltRebuidRecoveryMastheadLATonyKovachMHProNews-756x768 

ManufacturedHousingInstituteMHILogoOctober2018HUDCodeHomeShipmentsDeclineMastheadLATonyKovachMHProNews600

Both MHProNews third-party site stats plus feedback from professional readers, many of whom are MHI members, tell us that the industry’s professionals and investors want meaty reality checks, not more MHI pie-in-the-sky-in-the-great-bye-and-bye.

 

Why after praising MHProNews in writing and on video – numerous times – did they rescind our membership? Did we ask too many questions? Did we make too many suggestions that could result in real growth that years of experience proved would work when done correctly?

 

 

Or MHI’s then education-division leader (MHEI), Ann Parman’s praise for our presentation to MHI members at their Congress and Expo, urging proper media engagement to correct-the-record as issues arose. 

 AnnParmanVPManufacturedHousingInstituteMHILogoLATonyKovachMobileManufacturedHomeLivingNewsMastheadblogMHProNews800

TimWilliamsMediaRelationsManufacturedHousingIndustryMastheadMHProNews-500x277

MHI can’t claim ignorance, because their former Executive Committee Chairman, Tim Williams was asked and answered about the logic of doing media engagement to debunk every single case of misinformation. MHI has a PR person that works full time. As an MHI member said recently to MHProNews, what is that PR person actually doing?

 

Is growth for the many in the manufactured housing industry the agenda at MHI? Or – as their own evidence suggests – is their real agenda the consolidation of the industry into ever fewer select hands?  Click the box below for more details later, but move on for now.

 

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

 

We at MHProNews respect the rights of factory-producers to build whatever kind of homes they want to build that meet appropriate standards. Clayton experimented with the iHouse and iHouse 2. It was their right to prove themselves unable to successfully market it, despite lots of publicity.

 

ClaytonHomesiHouseChevyVoltGreenBridgeFarmsManufacturedHousingIndustryDailyBusinessNewsMHProNews

Ever wonder whatever happened to the Clayton iHouse? Or Clayton Homes iHouse 2? Not much, very few were sold, and so it was quietly dropped, per sources at Clayton.

 

  • Clayton and MHI both made a big deal about their image and ‘story telling’ videos. A bust. The views and the new home shipments data prove it. 
  • Clayton made a big deal about their relationship with then uber-popular Duck Dynasty. Remember that? Why no surge in retail-sold new home shipments?
  • Clayton made a big deal about a year ago regarding their TV ads on college football games. Huh, why are shipments flat? #NettlsomeThings.

 

MHI’s own data says about 1/3 of new manufactured homes are shipped to communities. The REITs freely admit most of those manufactured homes (MH) shipped to their communities (MHCs) are rented, as opposed to being immediately sold at retail. Subtract out MH rentals in MHCs, isn’t the industry essentially flat since 2010?  

These are all warning signs that industry investors and pros discuss with me off-the-record.  

Why do independents that once spoke freely on the record, now fear speaking out publicly?  Heck, why did historically outspoken Frank Rolfe stop calling MHI out and their failed, hypocritical leadership? Those were his words, not mine. 

These are #NettesomeThings, aren’t they?  

Nettles sting if handled improperly. But properly understood, nettles have medicinal qualities. 

Our purpose on MHProNews isn’t to embarrass Warren Buffett, Kevin Clayton, Tim Williams, Nathan Smith, MHI, MHVillage, or anyone else for that matter.   

Our purpose is to reflect reality. Those stinging nettles are meant as a cure – which is positive – by spotlighting the problems. Until a problem is properly understood, you can’t fix it. You don’t ask a doctor for happy talk, you ask an MD for the truth, and then the treatment that’s needed to achieve a cure.

The so-called ‘new class of homes’ is arguably going to be the next Clayton and MHI backed fiasco. It’s the absolute right for everyone in the program to be in it. 

But it is our absolute right as a pro-industry publication that wants to see the industry grow to ask the tough, #NettlesomeThings questions. That’s for medicinal purposes. Don’t blame the messenger, look at those whose behavior and track record requires that the message be made.

 

Housing Choice, Where Modular, Manufactured, Tiny, Conventional Housing Crisis, MHI and MHARR Intersect

LeveragingMomentumCreationNewClassofManufacturedHomesManufacturedHousingInstituteMHILogoMashteadMHProNews600 (1)

 

If we at MHProNews were wrong about any of these matters, why do the Clayton’s, 21st and MHI duck our questions, that for years they once gladly answered? Why don’t they just prove us wrong? They would if they could, right?  

RickRobinsonManufacturedHousingInstituteMHIDailyBuisnessNewsMHProNews

Rick Robinson, a MHI’s SVP and general counsel, ducked questions at the Deadwood conference in front of dozens of witnesses, just as Richard ‘Dick’ Jennison did at Louisville in 2018.

We periodically ask MHI and the Berkshire brands to show us any fact or logical errors. To quote some comments from MHI and other state association members, “Crickets.” No reply? Why? 

It is MHI’s own members that are troubled by this so-called ‘new class of homes‘ plan, see the related report accessed by clicking the box below, once you’ve finished reading this column.

 

“What Are We, Chopped Liver?” MHI Member December 2018 Reactions

 

The new class of homes logically will undermine over time all other HUD Code homes. Some, per our sources, were promised, prodded, and persuaded into doing them – which again is their right to decide to produce them or not. 

But as multiple MHI-only members have told us, the new class of homes is illogical. Why not build them modular, MHI producers said, if you do all of these changes? 

Why misdirect those Duty to Serve dollars away from HUD Code homes, which is what the Housing and Economic Recovery Act (HERA) called for? That’s some of what MHI members are telling me.  

 

 

The Costly Consequences 

Are you a HUD Code manufactured home lender? Mark my words, the value of your collateral will over time arguably be undermined by this misguided program.  That could happen if it succeeds, or even if it is tried for years and fails, as Clayton’s iHouse did.  

Are you a retailer or a community operator? Mark my words, the value of your residents’ homes will decline if this program is pushed. Why? Because the natural question – as MHI members are telling us – will be, why won’t the GSEs give us the same terms and conditions on all other HUD Code homes? The answer to that question undermines all other HUD Code homes.  

If the value of those existing manufactured housing residents homes declines, mark my words, the value of Manufactured Home Communities (MHC) will be impacted. Who says? Among others, legal and communities pros in our industry — who’ve raised these concerns directly to MHProNews. 

Keep in mind that sources in the GSEs have told me personally that this program was conceived backwards. One admitted it could backfire and harm the HUD Code. If so, that source said then they might change it. What?  

Ask yourself — why did they want this done between MHI, the GSEs, and Berkshire brands behind closed doors? Why wouldn’t they release the meeting minutes?  

For all of those who have been given proper notice as to the risks involved, consider the liability. I doubt the E/O policies will cover the losses from such a clearly flawed program.  

Who will do the lawsuits? Contingency lawyers, who are already exploring it, based upon the conversations and messages already sent and heard by me personally.  

Who will they sue on behalf of, you ask? Those millions of HUD Code Manufactured Home Owners, for one group.   

MH Community operations that are MHI members, if you don’t speak publicly out to object to this MHI plan, can you spell liability? 

Publicly-traded companies that don’t speak out publicly? Can you spell shareholder liability?  

Build those HUD Code homes however you want, within the norms of the performance standards, but my best advice is to publicly and promptely kill this term ‘new class of homes,’ right now. Then, stop the separation in HUD product that meets the Fannie Mae ‘MHAdvantage’ standards. Don’t let Freddie Mac do it either. 

Remind Fannie and Freddie that the HUD Code has nationally preemptive standards that should already be accepted. 

 

Who Will Survive This Looming Slow-Motion Tragedy? 

Pardon me for mentioning the fact that only one operation has pockets deep enough to survive the possible – arguably likely – wave of legal actions.  

Berkshire Hathaway, right? Recall that Kevin Clayton said in the video below, that “Warren” would be okay if he lost money for 5 years, as long as he grew his moat. Why not take Kevin at his word on that point?

 

 

For those that don’t know or don’t recall, there were big class action lawsuits years ago on plumbing and siding. Do we think at this current production level, that many in the industry’s producers – or other firms – will survive the logical trend of this emerging threat?  

Every business they put out of business, only helps the big boys, per their own “moat” theory, correct? 

 

The state executives who are caught in-the-middle or feel pressured on this, I don’t envy you. But you won’t be needed if the industry eventually vanishes in a logically coming wave of litigation. That’s why some of you are off-the-record sources for us already.

 

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.

 

For those who think that they can pressure or dissuade MHProNews from speaking out about #NettlesomeThings — you’ve obviously misjudged me and mine. 

The time is now – now – to stop this slow-motion catastrophe.

It is also time – now – to forge the new post-production association and/or alliance structures that can keep those who remain in MHI in check.  Otherwise won’t the folks In Arlington, VA only keep making the same purported multiple years of errors that caused NMHCO or MHIdea to launch?

 

“Lots of Sizzle,” Clayton Sales Performance, Other MHI & Clayton Homes News Tips

 

It’s arguably a slow-motion head shot. If I’m wrong, then let Kevin, Tim, Eric, Dick, Lesli et al take a stage in Louisville with me in 2019 and debate it publicly on a video taped session, so all of manufactured housing and the world can see it. 

Ladies and gents, are you up for it? 

Why is manufactured housing underperforming? Could it be that it’s been undermined from within? 

 FrankRolfeObsticalToGrowthManufacturedHousingIndustryItself-postedMastheadBlogMHProNews

 

 

MartyLavinHUDCodeDeadlyDiscriminationCode-IndustryVoicesMHProNews-e1472170900504

There is a cost to ignoring bad news, and Marty Lavin’s put his finger on it. But as Rolfe and others have directly or obliquely mentioned, it is powers within the industry that have failed to defend the industry.

 TheManufacturedHousingInsittuteLogoManufacturedHomeIndustryOtherImageCampaignMartyLavinMHILogoMHProNews

That’s my two cents –  as someone invested in and who cares about this industry – based upon years of research, industry input, third-party experts, logic, and experience.  

AllTruthPassesThrough3StagesRidiculedViolentlyOpposedAcceptsSelfEvidentArthurSchopenhauerQuoteGalleryMastheadBlogManufacturedHousingIndustryMHProNews

If there is a flaw in the facts and reasoning, anyone who wants to speak up on behalf of the Berkshire brands in MHVille, or MHI are hereby invited to so do. Want the details behind the logic? Then see the related reports, in the linked boxes, further 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:

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

 

 

Louisville and Tunica Manufactured Housing Shows, Controversial Profitable, Problematic Issues Loom

 

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.

ManufacturedHomeIndustry1HeadlineNewsMHProNews

To see a sample of our emailed news update, click here. To sign up for the factory-built home industry’s #1 headline news, click here or the graphic above.

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.

 

ConfidentialNewsTipsOKTipsIreportMHNews@MHMSM-comGraphic

For feedback or 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.

Or if you have your own tips and stories to share, you can contact us via the link above, or my contact information below.  See the related reports, with one more to be posted late today, further below. That’s “Industry News, Tips and Views Pros Can Use,” © where “We Provide, You Decide.” © ## (News, Commentary, analysis. – Notice, the right to share this unedited, with a link back and proper credit, is hereby granted).

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

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:
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:

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

 

#DeFangBM

 

 

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

 

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

September 17th, 2018 No comments

 

RichFamousPreFabHomesManufacturedHOusingHypocrisyYouPrivateJetLuxuryCarPXDailyBusinessNewsMHProNEws600There are some who can’t win based upon sound reason and the truth. So, to obtain their goals, they lie, play act, and deceive others to get what they want. That pattern impacts independent businesses, our industry’s home owners and millions of potential customers.

 

 

Millions of Americans, along with hundreds of millions of others around the world, are star struck.  That has been true for decades. If someone is rich or famous, they are automatically accorded a special status that wealth, influence, and their access can bring.

For several reasons, ‘stars’ of all kinds, including athletes, are held up for others to consider as role models. Such figures are thus often used as tool, a prop, a means of manipulating others.

Let’s consider two examples of thousands of possible examples. During Vietnam, actress Jane Fonda went to North Vietnam to condemn the United States. President Trump had not yet been sworn into office, and famous figures like Madonna had already pledged to speak against him at post-election protests.

 

  • Warren Buffett,
  • Bill Gates,
  • Jeff Bezos,
  • George Soros,
  • Tom Steyer – all of those are billionaires –
  • leaders at giant companies like Apple, Google/YouTube (parent Alphabet), Facebook, or Twitter leaders,
  • athletes like Colin Kaepernick,
  • actors like Jim Carey,

are among those rich and famous who’ve paraded out to cameras and waiting reporters to espouse positions in favor of big government, varied Democratic Party candidates, including many openly espousing socialistic positions.

Why do they do that? And why should MHPros, prefab professionals, or millions of others care?

Simply because these mavens influence the politics that controls the bureaucracies that can limit, influence or destroy your business and/or investments.

Rephrased: you as a business owner, professional, or investor aren’t just trying to sell a product or related services. You also must comply with the rules, or the rules can be used against you.

Those who ignore politics do so at their own professional risk.  All of those rich and famous figures above are deeply engaged in politics.  MHPros like Democratic supporter Nathan Smith of SSK Communities, and former Manufactured Housing Institute (MHI) Chairman, are deeply engaged in politics. Smith, like Buffett, supported Democratic Senator Barack Obama and Secretary Hillary Clinton for president.

Facts are facts.

 

CivilRightSlaveryRadianceFoundationJustTheFactsDemocratsRepublicansDailyBusinessNewsMHProNews

Facts are Facts. Click here to see the Full Sized Infographic.

 

Today – September 17, 2018 – is Constitution Day

Among the things that often left-leaning academics or others like those noted above in positions of influence, money and power do is demean and besmirch the U.S. Constitution and our nation’s founding fathers.

What utter hypocrisy. The U.S. Constitution is what defends their freedom of speech to decry what gives you, me, and some 325 million others in the U.S. the ability to make more of our lives that what our parents attained.

Intellectual curiosity alone is reason enough to challenge commonly promoted assumptions.

But when people seek to exert a serious degree of control over your life, you, I, and those we love should care enough:

  • to learn,
  • ponder,
  • and act accordingly

in order to better and more properly shape the world of tomorrow.

 

In the Minority

On a personal note, I’m one of those in a minority of Americans who married a woman from the Middle East who was born a Muslim. Her extended family are Muslims. Soheyla is no ordinary woman, as hundreds of professionals in our industry have learned first-hand, and thousands more have learned by reading.

Soheyla speaks 3 languages, and she has studied two others. She’s highly educated, motivated, and quite passionate about many issues. By the way, for those that know Soheyla, her circle of friends and colleagues includes Jews and numerous Christians. She’s demonstrably inclusive, and broad minded.

All of that is background to say the following. Given her background, she supported then-candidate Donald J. Trump, after he promoted during the GOP primaries the “strict vetting” of Muslims, along with strong immigration reform. Soheyla knows what Muslim radicals are capable of doing. She wants no such thing for America, or for the future of our son and your children.

12ReasonsEducatedIranianAmericanWomanSupportsDonaldTrumpPostedMastheadBlogMHProNews954x846

the article was first published in May 2016, but still has points relevant today. http://www.MHProNews.com/featured-articles/may-2017/12-reasons-an-educated-professional-iranian-american-woman-supports-donald-trump While our family supported then – and now – President Trump as the fighter needed to stand up to leftist tactics, the Manufactured Housing Institute put two paid pro-Clinton speakers on stage, just days before the 2016 election. The record matters.

Soheyla studied in a Hungarian University.  Hungary put up a border fence, to stop the flow of illegal immigration from the Middle East into their country.  Many of those were innocents, but enough were dangerous that crime, rape, and terrorism in Europe ha spiked. But not so in Hungary. They dealt with it in a practical way, by protecting their border.

It goes without saying that Soheyla is not anti-Muslim, nor anti-Middle Eastern. She wants better for her family in their native land. She wants better for our son, and that means better for you and your loved ones too.

How is that done? By sound information and education. By sharing the facts via the “News, Tips, and Views Pros Can Use.”  © Third-party data ranks our news site the runaway #1 in MHVille. We are not going to be politically correct when that means warping the truth.  Providing fact and evidence based articles have made us number 1, and we’ve more than doubled traffic in the last year.  We seek to promote a common sense agenda that are good for the vast majority of Americans.

That means we editorially support the legitimate aspirations of all people of any backgrounds, demographic groups, or beliefs.

WomensRightToVoteWhoVotedForItDemsRepublicansDailyBuisnessNewsMasthadBlogMHProNewsD

 

The Wealthy Can Literally Buy 0r Manipulate News, That’s Used to Influence Others

We’ve said for years, we are all for honestly earned wealth. That said, many in positions of wealth, influence or power – wittingly or not – divide and segment Americans into groups that are then pitted against each other.

Why?

 

  • Why are blacks, Hispanics or other minority groups artificially pitted against whites?
  • Why are women in the news or in story lines often pitted against men?
  • Why are everyday Democratic or socialist supporters set against everyday conservatives, Libertarians, or Republicans?

Actively retired Rev. Donald Tye Jr., a manufactured home advocate who owns an updated pre-HUD Code factory-built home said why. “Divide and Rule.” Tye is an independent today, buy was active in GOP politics for years.

NothingIsChangedUntilItisChallenged-SoheylaKovachLATonyKovachTamasKovachDonaldTyeJr.575x238

Tony took the photo at the right.

Tye is also a big believer in the U.S. Constitution. So are we, along with millions of other Americans.

There’s a strong narrative that’s being pushed by many in media, among the rich and by people in positions of power that are promoting socialist, big government, or leftist ideals. Then why are they Democrats or socialists, but still keep their money and power?

Propaganda and manipulation are alive and well in America today. Not all news is tainted. But some is. That said, I’ve seen first hand – going back over twenty years in media stories I happened to be involved in – how a narrative is spun by a reporter, producer or editor that was different than reality. There is real news, and there is faked news. That’s not new, it goes back hundreds or years.

We, the People” must therefor learn to discern right from wrong. I’m not sure how that can be done other than by applying Godly moral, reason-based, evidenced supported, and ethical principles.

Socialism has a history of taking from one group what they earned, and by force or coercion, giving it to another. Before Karl Marx and the first socialists, big governments throughout history have done similarly. Marxists just dressed up legalized theft in different clothing.

As soon as someone is pitching a socialist solution, you can reject it as immoral and contrary to the interests of society. “Thou shall not steal” is believed by Christians, Jews and other religious groups too.

 

Theft by Government is Still Theft

The Democratic leaders of today are not the Democrats of the President Jack Kennedy era.

President Kennedy (D) rolled back taxes, as did President Ronald Reagan (R), and now former Democrat turned Republican, President Donald J. Trump.

My friends and colleagues include sincere Democrats. We’ve had clients who support Democrats. I’m not trying to insult anyone or hurt someone’s feelings. My younger brother Tom is a Democratic supporter, has won city elections, and has said publicly said to me, “I disagree with your politics, but not your ethics.”  Tom’s tested IQ is 156, way over the genius level.

Tom and I agree to disagree without malice, but have robustly debated numerous issues. We listen to each other, so we can understand each other’s perspectives. It’s what our genius father and gifted mother taught all of us siblings.  Our parents were Kennedy Democrats, who became Reagan Republicans.

Facts are facts. Facts must be distinct from opinions. The quote below is by a famous Democrat, who likely wouldn’t recognize the party he was a member of today.

EveryoneIsEntitledTotheirOwnOpinionsButtheyAreNotEntitledTotheirOwnFactsDanielPatrickMoynihanMHLivingNews

What did former President Bill Clinton mean when he said the famous quote below?

 

EraOfBigGovernmentIsOverCNNPresidentBillClintonDailyBusinessNewsMHProNews

CNS reported that federal revenues have hit a new high, after tax reform. Several of the successful economic principles of Presidents Kennedy and Reagan are being applied by President Trump.

Was former President Clinton only being pragmatic when he said that, because the political winds had then shifted against his party? Because today, he’s back to being big government Slick Willy.” Bill is about as crooked – and rich – as they come.  Look carefully at the history of who’s caused our industry’s image issues?  Look at who they associate with?

“Toxic Trailers” – Clayton Homes, Warren Buffett, Kevin Clayton, Clintons – Exposé Videos

Democratic leaders today sound sympathetic to the poor and needy, but they are either:

  • badly misinformed,
  • frauds,
  • con artists,
  • hypocrites,
  • ignorant of history,
  • Ignore economic evidence,
  • don’t understand the harm of socialism, or the good in free enterprise,
  • or they are fools. Take your pick, or some combination of them.

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

 

We the People

America’s first constitution, the so-called Articles of Confederation, was failing. So in “order to form a more perfect Union,” representatives of “We, the People” gathered to pass reforms that yielded the U.S. Constitution as amended.

Hillsdale College, and Prager University create videos to teach Constitutional principles to those who were never taught or learned them in school. Here’s the Bill of Rights, below.

TheBillofRightsFirst10AmendmentsUSCOnstitutiotionDailyBusinessNEwsMHproenws

I’m still a political independent, but I’m far more likely to vote for a President Trump backing Republican, for reasons similar to what Jon Voight and Peter Thiel outlined.

In retrospect, PayPal billionaire cofounder, Peter Thiel – who’s invested in prefab/modular homes at sea, nailed the Trump phenomenon:

I think one thing that should be distinguished here is that the media is always taking Trump literally. It never takes him seriously, but it always takes him literally. … I think a lot of voters who vote for Trump take Trump seriously but not literally, so when they hear things like the Muslim comment or the wall comment, their question is not, ‘Are you going to build a wall like the Great Wall of China?’ or, you know, ‘How exactly are you going to enforce these tests?’ What they hear is we’re going to have a saner, more sensible immigration policy.”

Jon Voight has stared in numerous movies like Deliverance, with co-star the late Burt Reynolds.  He’s stood up for candidate and now President Trump, when much of Hollywood is pro-Democratic.  Here in his own words, why.

The recent, full interview with actor Jon Voight on Life, Liberty and Lavin is below.

Today as I write this, the Nov 6, 2018 midterms are only 50 days away. Millions will be sincere, but will nevertheless be duped into voting for a leftist, socialistic, or Democratic figure.

As an award-winning history major with a journalism scholarship, that loves manufactured housing as a profession, let me tell you that

  • the Democrats are the party that created the Ku Klux Klan (KKK).
  • The man who assassinated Abraham Lincoln was a Democrat, actor John Wilkes Booth.
  • Jim Crow laws were passed by Democrats.
  • President Woodrow Wilson was a racist Democrat, who manipulated America into World War I.
  • Wilson’s manipulation of the media was studied by Adolf Hitler and famous Nazi propagandist, Joseph Goebbels.
  • Please don’t take my word for it, because you can find a lot of this on Wikipedia, and/or other resources online in moments.
  • These are easily sourced facts.  But unless you look, listening to the wrong source can lead good people to wrong conclusions.

“Shadows of Liberty” Movie Introduction, Affordable Housing, and You

President Lyndon Banes Johnson (LBJ) pulled a clever pivot in the aftermath of the Kennedy assassination. It was mostly Republicans who supported the Civil Rights Act. LBJ got enough of his racist Democratic buddies in Congress to vote for the Civil Rights Act that they earned the trust of the very minority group they hated, blacks. LBJ’s Great Society programs were arguably another clever way to hook people in government programs and government jobs.

CivilRightsAct1964ByPartyGOPDemocratsRepublicansDailyBusinessNewsMHProNews

Consider the evidence.

Quora and HuffPo both are among those that cite the following about the crafty Democratic bigot, LBJ.  LBJ, speaking to some of his racist Democratic buddies, he said: “These Negroes, they’re getting pretty uppity these days.” He said something had t be done, because they were gaining political power. So he crafted pivots and programs – and got his buddies to buy in with the following promise, “I’ll have those n*ggers voting Democrat for two-hundred years.” Ouch, tragic, but per several sources, apparently true.

LBJ already achieved 50 of those two hundred years. Part of their game is to call their opponents racists, when they are the ones using “plantation politics.” Democratic policies are what has run devastated Detroit. Democrats ran Puerto Rico, so that when Hurricanes Irma and Maria hit last year, their infrastructure was already a mess, before the storm, and they were near bankruptcy economically. Chicago is a Democratic town, and in some ways, has parts of that great city as more deadly for Americans than Afghanistan is for our military.

The list could go on and on.  But a growing number of high profile blacks are rejecting plantation politics.

Kanye Controversy, Universal Income, Venezuela, President Trump, Manufactured Housing, First Principles, and You

RobertJohnsonBETRLJCompaniesDailyBusinessNewsMHProNews

As an independent, but also as a pro-business, pro-free enterprise history buff, if I knew nothing about a GOP or Democratic candidate – other than their party label – I’d tend toward a modern GOP candidate.  That would be especially so if the GOP candidate was pro-President Trump.

So why do Warren Buffett, and so many rich and famous want Democrats in power? Why do they want socialistic policies?  Simple. Because big government they can control would give them more power.

Venezuelans voted in socialism, and millions today regret the lies they were sold.

It is critical for every American to learn basic history and the U.S. Constitution. Our form of government was developed by men who risked all to be free of English tyranny. It has been twisted over the years, and it won’t be fixed overnight.  POTUS Trump and those in Congress who support him are improving the economic conditions of blacks, Hispanics, businesses and others.

So, if you want to be free of tyranny in our age, don’t vote for a socialist or most Democrats.  Take the time to share the information that might keep a colleague, worker, friend or family from voting for a Democratic or socialist candidate.

Listen to the Jon Voigt interview. Voigt is compelling intellectually and emotionally.

Please share the related resources below. They could be the difference in your district – or to those living in another – between a pro-Trump GOP member, and an ignorant, misled, manipulative, or duplicitous socialist or Democratic one.

You or a loved one’s rights and investments may depend upon it. “We Provide, You Decide.” © ## (News, analysis, and commentary.)

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

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

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

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

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:

Racism – Getting Increasing Prosperity, Stability, Safety, and Certainty

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

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

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

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

September 11th, 2018 No comments

 

NationalManufacturedHomeOwnersAssocLogoMHActionLogoMastheadManufacturedHomeCommentaryMHProNews600x315

There’s a simple but profoundly useful concept taught be ancient to modern thinkers who ponder business, ethical, moral, political or other issues.

 

It’s called the principle of ‘the lesser of two evils.’

It’s simple.  When confronted with a choice, neither of which is perfect, by definition each is a some level of ‘evil’ or imperfection. Which choice does the thoughtful person make?

Morally or logically, the lessor of the two imperfect or ‘evil’ choices.

1)    The featured image above, are MHAction and the National Manufactured Home Owners Association (NMHOA). Both of those groups purport to be working on behalf of the interests of the owners of pre-HUD Code mobile home owners, as well as the millions of owners of manufactured homes.

2)    There are currently two, and an emerging third, national trade association.  There is the Manufactured Housing Institute (MHI), and the Manufactured Housing Association for Regulatory Reform (MHARR). They each have a different mission statement, with MHI claiming to represent both production and post-production interests, and MHARR plainly stating that they work for the interests of mitigating regulatory issues that face independent producers of manufactured homes.

3)    There are two major political parties. As almost any American adult in the U.S. would know, there are Democrats and there are Republicans (a.k.a., the Grand Old Party or GOP).  Each major party, plus minor parties like Libertarians, advance their candidates for local, state or national offices.

4)    For fun and fairness, we could point to ourselves as trade publishers, and say the same thing. Compare what we do, with what any other remaining or new trade publisher does in manufactured housing.  Who brings you pablum, platitudes, or thinly veiled promotions vs. who brings you news, facts, analysis, and commentary that can be used to navigate the waters that businesses, professionals, and investors face?

Note none of the above – including ourselves – are perfect. By definition, any lack of perfection in philosophical jargon is some degree of ‘evil,’ not pure evil, but an imperfection.

Between imperfect choices, which choices from the above will people make?

 

Decisions, Decisions…

Elections are about choices.  Decisions. On a practical level,

  • one votes for a Democrat,
  • a Republican or other party, or
  • one doesn’t vote at all.

Those who don’t vote, have ‘voted’ not to participate, and have thus yielded to those who do.  The resident groups are right about this.  Their power is at the ballot box.  Just ask long-time industry professionals in states like CA or Delaware – not to mention a number of other states in between the east and west coasts – and they’ll tell you that resident groups have caused bills at the local and state level to pass that include measures such as rent control or “rent justification.”

The industry often opposes these.

Resident groups are engaged at the state level by a number of state associations. MHI and MHARR have engaged at various times and ways with NMHOA, though on differing topics. MHARR is not directly involved in community issues, but they do promote a robust entry by the GSEs into manufactured home lending, as one of several topics that are important to communities, retailers, and thus producers.

 

With the Table Set Above…

There are good reasons to believe this the upcoming midterm election could be the biggest in years, perhaps, in a generation or more.

Rob Weymouth, has been claimed as a member by the leadership of Delaware Manufactured Home Owner Association (DMHOA), which affiliates with both NMHOA and MHAction.

Weymouth, perhaps not realizing his illogical argument, in several letters to the editor in his area, has written arguing that Democrats needed to be elected, even though he admits in his own column, that the Democrats who passed a rent-control bill was “useless” to manufactured home owners.  Useless legislation, but vote for those that passed it?

MH Communities, Owners, MH Independents Alert – NMHOA and MHAction Next Steps? – Part 1

That said, Weymouth is urging manufactured homeowners to vote Democratic.

Tim Sheahan, is the president of the NMHOA. He had a lengthy submission to the FHFA on the topic of the Duty to Serve (DTS) by Government Sponsored Enterprises (GSEs) of Fannie Mae and Freddie Mac. In it, he made several interesting points, which wittingly or not, he later logically contradicted.  See the report, linked below for specifics.

Tim Sheahan, NMHOA President, Controversial Points of Agreement with Marty Lavin, George Allen on Communities

The tactics and positions taken by NMHOA or MHAction tend to align more with Democratic than Republican politics.  If they see that differently, they’re leadership is welcome to send me a letter to the editor to clear up any confusion on that point.  But so far, what’s been communicated privately and publicly led us to that conclusion.

Let me be clear.  The analysis we’ve done are not put-downs to Weymouth or Sheahan. Manufactured home residents deserve respect.  There are few in the industry who’ve done more to lift up the image of manufactured home owners, as what we’ve done on MHLivingNews.com. For years, we’ve spotlighted morality tales of what not to do, when we publish articles about businesses that have gotten in legal hot water for wronging one or more residents.

So, the purpose of public discourse – there’s, our’s or other’s ideas – is to advance concepts.  Those visions ought to be examined and tested logically, using our God-given common-sense.

HumanitiesValueBuisnessCriticismDissentWhenGoingAlongGetAlongWhereWhistleblowersDiscouragedBadThingsHappenBusinssesImplodeMar

No formal training in logic or debate is needed to analyze someone’s perspective.  What is needed, is objectivity and common-sense.  What’s helpful is applying simple principles, like the lesser of two evils.

For some time, MHProNews has systematically examined numerous issues that impact manufactured housing and manufactured home owners.  It has led up to this moment.

 

What’s the best way to advance the interests of manufactured home owners and businesses alike?

Let’s keep it simple.  Some respond to emotional appeals.  Set aside pure emotions, which can be manipulated.  As Poverty Inc demonstrated, what sounds big hearted can in fact be harmful to the very people that people of good will intend to help.

Let’s give NMHOA and MHAction the benefit of the doubt for now.  Let’s say, for discussion’s sake, that they want the best interest of hundreds of their members or millions of MH residents.  Let’s further say they aren’t working – as MHAction’s ties suggest – for the interests of billionaires like George Soros.

If that is so, then who is doing more for manufactured home residents?  Is it Democrats, as Weymouth and his DMHOA leadership think?  Or is it the emerging new GOP, under President Donald J. Trump?

 

Compare – and Decide

What precisely did the administration of President Barack H. Obama do for MH residents during his 8 years in office?

Compare that to what the President of the United States (POTUS) Donald J. Trump has already done to raise millions of more people out of poverty?  Think about how in 20 months millions are off of food stamps, have new jobs with higher pay, have lower utility bills, more take home pay, and more.  Better paying jobs that President Obama said would never come back, are back under President Trump.  Set aside style or tweets, etc, and look at results.  Considered objectively, isn’t it an easy comparison between Mr. Obama and POTUS Trump?

Former President Obama, unable to stand on his actual record, is now back on the campaign trail.  He’s trying to imply or claim in recent days that the increasingly booming economy is due to his policies.  That’s easily debunked nonsense. Coal, manufacturing, and other jobs that Mr. Obama said would never come back, are under President Trump’s pro-growth policies.

The fact that Mr. Obama even feels the need to make such obviously false claims should speak volumes.  Don’t let the supposedly soaring rhetoric carry your colleagues off.  Because a growing number of the former 44th president’s supporters left him for the Trump movement.

In fact, about 1/3 of the counties that candidate Obama won, where won years later by candidate Donald J. Trump.

Under President Obama, starting with his first midterms, Democrats lost a net of some 1,000 seats at the federal, state and local levels.

Keep in mind, that President Trump, much like the late President Ronald Reagan, is a former Democrat. That fact caused concerns for many in the GOP power structure.

President Trump has been:

  • good for job creation ,
  • Blue collar workers,
  • Good for minorities,
  • Good for women,
  • has reduced the numbers on public assistance,
  • has boosted investments in American businesses, which is good for owners, investors, and professionals.
  • It is those investors that could – under the right policies – begin building more communities that could rebalance the supply-demand equation for manufactured home community residents.

Here’s the bottom line.  Democratic policies since the Great Society some 50 years ago, spent over $22 trillion dollars until 2014, with no appreciable difference in poverty rates.

UCDavisUnitedStatesPovertyRateSince1959to2015DailyBusinessNewsMHProNews_001

The principles of Poverty, Inc – applied to the U.S. – will tell us that what’s needed is to clear the path for small businesses to open, operate and do business that lift people out of poverty and create opportunities.

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

Superficial thinking has arguably gotten:

  • manufactured housing professionals by the thousands, and
  • manufactured home owners by the hundreds of thousands,
  • both into less than ideal or even problematic positions.

It will take clear thinking, facts, and evidence to correct what’s gone wrong in manufactured housing.

MHARR, outspent by some 7 to 1 by MHI, has routinely picked the correct positions time and again on issues that face the industry.  By contrast, MHI has repeatedly taken positions that they claim are good for many, but in fact work for the interests of a few ‘consolidators’ of smaller businesses.

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

It is hard to find something good to say (sorry) about the public positions and actions of MHAction.  There is clear overlap between MHAction and NMHOA.  That said, both NMHOA and MHAction, along with their state affiliates need to be engaged, as some professional associations have tried.  But it is resident group’s thinking that must be engaged, analyzed and put on display, as we have in articles linked from this column, above and below.

Ishbel Dickens said she was open to a public discussion debate of the issues with me, but never actually did so.  We’ve more recently made a similar invitation to NMHOA and MHAction’s current leaders.  We’ll see what they do, but so far, there’s no one jumping at the chance.  Why not?  Do they lack confidence in their positions?

If they are not willing to defend their positions, perhaps they should consider changing them?  In fact, that’s the purpose of analysis and debate. To discern through testing what’s true, what’s not, so that people can make the best decisions moving ahead.

The answer for residents is demonstrably not rent control,  Nor is it Democratic policies.  Frankly, it isn’t purely Republican policies that will fix things either.  As an independent, President Donald Trump’s policies – which blend elements from both major parties – are what could prove to be the path ahead.

MHARR’s president and former president said as much.  See the video, below.

Looking back, isn’t it clear that they were right?

Life is full of decisions, as we all know.  It often comes down to two imperfect options.  Pick the better of the two, which the ancients called the principle of the lesser of two evils. ## (News, analysis, and commentary.)

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

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

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

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

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:

Racism – Getting Increasing Prosperity, Stability, Safety, and Certainty

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

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

September 2nd, 2018 No comments

 

The late Howard Walker, longtime vice chairman of Equity Lifestyle Properties (ELS), and prior Treasurer for the Manufactured Housing Institute (MHI) had at times a brusque sense of humor.

 

Often the best part of many association or corporate meetings are when networking and socializing occurs. In fairness, that statement applies to MHI too.

From time to time, like on a Labor Day weekend, my mind flashes back to an MHI or other industry event. At the moment, I’m thinking of Howard Walker, who boldly approached at an MHI event, during the wind-down of a social/networking period a few years ago.   

The room was emptying. At the moment, I don’t recall the tune I was humming or singing from to those who remained, but perhaps it was from the 1812 Overture. Regardless, the melody was from a classic.  

As that melody was proclaimed, Walker approached, bearing a feigned anger and vexed look. It was quite convincing. He blurted out in my direction, “Tony, how dare you bring culture to a manufactured housing event!” 

His artificial anger melted into a smile.  We discussed culture, music and the classics. As it turned out, Walker enjoyed the classics and cultural activities too. 

There are those on the outside looking in that have a ‘T-word image’ of manufactured housing (MH), manufactured home communities, and by inference, the professionals in this industry. To be sure, some among the MH industry’s own have that view of the business, and/or about themselves. 

Not Howard. He valued culture and the classics. 

 

O Fortuna!

For those who don’t know Carl Orff’s rendition of O Fortuna from Carmina Burana, here you go. This video clip has had over 21 million views on YouTube. Ya gotta believe that it was worth the time for those who viewed and listened.

 

To round out culture, and connect it to our industry, let’s toss in some Henry David Thoreau too. 

MostMenAppearnNeverConsideredWhatHouseIsNeedlesslyPoorAllTheirLivesHenryDavidThoreauManufacturedHomeLivingNews

Each photo is of a modern HUD Code 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, 1976, administered by HUD, and are thus known as “HUD Code Manufactured Homes.”  

As a kid, my brilliant father – Francis J. Kovach, Ph.D – was into the classics. Every Sunday, the notes from some mix of classical music – plus the periodic opera – came from behind his routinely closed study door. As he did his writing or research on some book or for a scholarly journal, to keep his focus amidst a big family, in hindsight that closed door and music must have been an oasis of sanity amidst the chaos of a somewhat raucous family life. 

By the way, for those who recall the movie Excalibur, it had a scene or two where a short clip of O Fortuna was also the soundtrack playing. Here’s one clip from that movie with that soundtrack playing, that has over 400,000 views.

 

To achieve our industry’s potential, we must meet people where they are. We’ve spotlighted Elvis, Kid Rock, and Eminem’s connection to MHVille (see those linked under related reports, further below).   

Today, Howard, here’s to culture, the industry, and we raise this glass to you.  

Howard Walker, Mensch – Equity LifeStyle Properties (ELS), Manufactured Homes Retrospective

Culture, classics, and manufactured homes, wow… ##  (News, analysis, and commentary.)

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

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

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

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

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:

Eminem, “8 Mile,” “Mobile Homes,” Frank Rolfe – Understanding Media and Public Perceptions of Manufactured Housing

Elvis Presley’s Personal Mobile Home Restored, Honeymoon Hideaway Up for Auction

“Po-Dunk” Performer Kid Rock, Eyes Senate Run, Makes Manufactured Home Living Hip

Fame, Pretty Little Liars Star Nia Peeples’ Mobile…err….Manufactured Home Tour, Featured on Oprah Winfrey Network Video

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

August 9th, 2018 No comments

 

FEDsBuffettsBerkshireClaytonHomesMoatManufacturedHousingInstituteMHIBillionsMarketManipulationAllegedMHProNews

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

 

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

TimeMagazineTerryDecioManufacturedHomeLivingNews

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

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

ScholasticCororatonFigure1MobileManufacturedHomeSalesSHipmentsVsExistingingNewHouseSalesManufacturedHousingiinudstryDataMHProNews

Realtor University, Scholastica ‘Gay’ Cororaton, CBE.

 

MostMenAppearnNeverConsideredWhatHouseIsNeedlesslyPoorAllTheirLivesHenryDavidThoreauManufacturedHomeLivingNews

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

 

Media, Money, Government, and Market Manipulation

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

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

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

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

That’s reality.

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

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

 

 

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

Buffett arguably came to the same conclusion Belsky did.

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

 

 

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

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

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

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

That’s the truth hiding in plain sight. 

Belsky also noted that credit is the lifeblood of housing.

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

MultipleReasonsExpectManufacturedHousingDoBetterThanSiteBuiltHousingEricBelskyEecDirJointCenterHousingStudiesHarvardUnivDailyBusinessNewsMHProNews

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

 

For the Record 

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

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

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

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

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

21stMortgageCorpLogoLetterheadJan302009TimWilliamsRetailersBrokersCutSpecifiedLendingMonopolisticConcernManufacturedHome

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

 

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

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

MHI-21stMortgageKevinClaytonClaytonHomesManufacturedHoomeCorporationsPlantsDailyBusinessNewsMHProNews_001

ClaytonHomesOakwoodHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2003MHanufacturedHousingIndust

Clayton Homes, 2003. After the Buffett Berkshire Buyout.

These graphics reflect what the facts reveal.

ClaytonHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2011MHanufacturedHousingIndustryProNews

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

ClaytonHomesBerkshireHathawayMarketShareofManufacturedHousingEnd2017MHanufacturedHousingIndustryProNews

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

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

ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews-e

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

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

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

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


SoTheAssociationMHIIsNotThereFortheIndustryUnlesstheinterestsoftheBigBoysJointheIndustrysMartyLavinMHIAwardWinnerQuoteMHProNe 

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

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

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

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

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

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

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

 

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

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

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

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

 RichardDickJennisonManufacturedHousingInstituteMHIPresidentCEOLouisvilleManufacturedHomeShowByClaytonHomesDispalyPhoto2018MHProNews

 

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

KennyLipschutzQuotePoorJobOfLobbyinginMHIndustry-postedMHProNews48thMHINCClist

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

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

New Manufactured Home Industry National Association Related Statements

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

 

MobileManufacturedHomeManufacturedHousingIndustryFactsDataResearch-445x768

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

IthinkFairSawLowerThePeriodicCostSatisfactoryHousingTheGreaterOnAverageWealthCreation

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

 

Rephrasing the Truth

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

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

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

 

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

CompareMobileHomeTrailersPastManufacturedHomesSaferMoreDurableQuoteScholasticiaGayCororationPhotoSmallPercentageDamagedDuring

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

 

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

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

 

DrLisaTylerHousingSolutionInexpensiveEnergyEfficientGreatValueOpportuntiesObsticlesManufacturedHomeIndustryMHLivingNewsDailyB

See the related report, linked here.

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

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

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

TimWilliamsMediaRelationsManufacturedHousingIndustryDailyBuisnessNewsMHProNews-500x277

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

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

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

FollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNews600

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

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

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

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

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

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

WarrenBuffettTheMoatQuoteMemeManufacturedHousingIndustryDailyBusinessNEwsMHProNEws

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

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

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

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

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

Now, what will you do with this knowledge?

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

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

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

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

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

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

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:

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

ManufacturedHousingAssocRegulatoryReformMHARRMarkWeissDTSFHFA-GSEsGoingtoLargestBusinessesCorpAffiliatesDailyBusinessNewsMHProNews-575x268

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

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

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

Only 3 Options – the Elephant in the Room