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

August 9th, 2018 No comments

 

FEDsBuffettsBerkshireClaytonHomesMoatManufacturedHousingInstituteMHIBillionsMarketManipulationAllegedMHProNews

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

 

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

TimeMagazineTerryDecioManufacturedHomeLivingNews

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

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

ScholasticCororatonFigure1MobileManufacturedHomeSalesSHipmentsVsExistingingNewHouseSalesManufacturedHousingiinudstryDataMHProNews

Realtor University, Scholastica ‘Gay’ Cororaton, CBE.

 

MostMenAppearnNeverConsideredWhatHouseIsNeedlesslyPoorAllTheirLivesHenryDavidThoreauManufacturedHomeLivingNews

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

 

Media, Money, Government, and Market Manipulation

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

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

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

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

That’s reality.

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

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

 

 

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

Buffett arguably came to the same conclusion Belsky did.

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

 

 

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

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

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

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

That’s the truth hiding in plain sight. 

Belsky also noted that credit is the lifeblood of housing.

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

MultipleReasonsExpectManufacturedHousingDoBetterThanSiteBuiltHousingEricBelskyEecDirJointCenterHousingStudiesHarvardUnivDailyBusinessNewsMHProNews

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

 

For the Record 

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

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

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

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

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

21stMortgageCorpLogoLetterheadJan302009TimWilliamsRetailersBrokersCutSpecifiedLendingMonopolisticConcernManufacturedHome

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

 

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

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

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ClaytonHomesOakwoodHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2003MHanufacturedHousingIndust

Clayton Homes, 2003. After the Buffett Berkshire Buyout.

These graphics reflect what the facts reveal.

ClaytonHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2011MHanufacturedHousingIndustryProNews

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

ClaytonHomesBerkshireHathawayMarketShareofManufacturedHousingEnd2017MHanufacturedHousingIndustryProNews

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

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

ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews-e

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

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

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

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


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

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

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

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

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

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

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

 

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

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

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

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

 RichardDickJennisonManufacturedHousingInstituteMHIPresidentCEOLouisvilleManufacturedHomeShowByClaytonHomesDispalyPhoto2018MHProNews

 

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

KennyLipschutzQuotePoorJobOfLobbyinginMHIndustry-postedMHProNews48thMHINCClist

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

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

New Manufactured Home Industry National Association Related Statements

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

 

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

IthinkFairSawLowerThePeriodicCostSatisfactoryHousingTheGreaterOnAverageWealthCreation

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

 

Rephrasing the Truth

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

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

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

 

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

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

 

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

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

 

DrLisaTylerHousingSolutionInexpensiveEnergyEfficientGreatValueOpportuntiesObsticlesManufacturedHomeIndustryMHLivingNewsDailyB

See the related report, linked here.

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

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

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

TimWilliamsMediaRelationsManufacturedHousingIndustryDailyBuisnessNewsMHProNews-500x277

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

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

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

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

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

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

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

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

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

WarrenBuffettTheMoatQuoteMemeManufacturedHousingIndustryDailyBusinessNEwsMHProNEws

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

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

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

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

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

Now, what will you do with this knowledge?

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

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

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

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

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

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

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

 

Related References:

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

ManufacturedHousingAssocRegulatoryReformMHARRMarkWeissDTSFHFA-GSEsGoingtoLargestBusinessesCorpAffiliatesDailyBusinessNewsMHProNews-575x268

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

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

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

Only 3 Options – the Elephant in the Room

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

June 28th, 2018 No comments

SupremeCourtofUSSCOTUSBldgLifeLibertyandProerptySupreceCourtandManufacturedHousingJusticeKennedyVacancyMHProNews

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

 

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

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

   to invest,

  where you can place a home,

  what the image of our MH products and communities are,

and so on.

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

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

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

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

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

 

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

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

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

 

 

Life, Liberty and Property

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

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

 

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

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

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

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

These are challenging, but exciting times.

 

The View from MHVille…

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

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

What happens in MH trade publishing here matters.

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

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

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

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

 

The Dow to 30,000?

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

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

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

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

Psalm 79

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

 

Remember not against us the iniquities of the past;

may your compassion quickly come to us,

for we are brought very low. R/

 

Help us, O God our Savior,

because of the glory of your name;

Deliver us and pardon our sins

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

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

Related Reports:

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

 

Only 3 Options – the Elephant in the Room

 

NorthStar and Manufactured Housing Radix

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

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

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

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

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

Sign Up Today!EmailedMHProNewsHeadlineNewsDailyBusinessNews

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

 

Manufactured Housing’s Professional Crucifixion

March 30th, 2018 No comments

 JesusCrossCrucifiedManufacturedHousingsProfessionalCrucifixionMastheadDailyBusinessNewsMHProNews

Let’s be crystal clear at the outset.

 

Only One can claim to have been betrayed by a close comrade, arrested, found guilty at three separate rigged trials, beaten, brutally whipped/scourged, mocked, marched off on public streets, crucified, died, and was buried in a borrowed grave for our sins on a Friday that’s paradoxically called Good. 

 

Only One can claim to have undergone all of that, and then rise from the dead. And if experts who’ve long studied the Shroud of Turin and the Sudarium of Oviedo are correct, that One left strong evidence that’s inspired billions of souls throughout the centuries ever since. 

Respectful of our weak yet free will that He died for, Jesus of Nazareth beckons us to look anew, and apply what happened almost 2000 years ago to our own time, and our own circumstances.

Let’s do so, and apply that Way to our often troubled profession.

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Manufactured Housing’s Crucifixion

Take up your cross, and follow Me,” Jesus said. Surely at first blush, those words ranks as the worst sounding invitation of all time.

So why did so many in that era take those striking words literally?  When thousands were likewise sentenced to their own cruel deaths by Roman authorities, and by the politicos and hired thugs of their time?

The fact that hundreds of Hebrew Scriptural references seem to fit Jesus’ life so well, isn’t enough for many among the masses. That’s no slam, it’s simple reality. Perhaps understandably so, because like Peter, even Jesus’ followers routinely deny Him, and turn away…

…only to return more humbly again. 

After all, we are sinners.  It’s the one thing that Saul – who originally persecuted believers, and who became the Paul that preached what he had first disdained – said we have in common.

Through the lens of Good Friday, let’s look at Manufactured Housing’s own crucifixion.

Day by day, our industry is mocked in the media. Manufactured homes are a political football that’s kicked and passed around, fumbled, sold out for thirty pieces of silver, and often frustrated by forces seemingly larger than the 22 million now being served.

No wonder it’s ignored by so many, when it commonly goes under false names like “trailer house,” or dated terms like “mobile home,” even though no new mobile homes have been shipped in the U.S. since the first manufactured homes were built on June 15, 1976.

At Christmas, believers heard and read that Jesus was born in a stable, exiled outside of town. It was the social outcasts of that era – the shepherds – who heard the herald angels sing; not the rich, famous, or powerful.

While some brave souls with millions in net worth own manufactured homes, many more shun them, just because of the unfair rep.

And that’s just fine for scores of locals and so called leaders scattered across our land.  Is it better to have half a million homeless? Is it better to have tens of millions locked in poverty? Why not consider the obvious solution? The one hiding in plain sight?

Better – some wrongly believe – to waste billions a year on programs for rentals that can never solve the growing American housing crisis…

…or so the deeds of the short sighted, ignorant, lazy, greedy or corrupt would have millions think.  Never doubt that forces favoring and profiting from subsidized rental housing resists the obvious solution of manufactured homes.

Last week, HUD Secretary Ben Carson – world renowned for his achievements in medicine – was mocked by some in politics and the media too.

Like the president, vice president, cabinet, administration and the American people they serve, they too are all being sold out at every opportunity.  Sometimes that betrayal is by those who are supposedly in their own party, and among their supporters.

No wonder so many of us won’t take the label of Democrat or Republican. Like Judas Iscariot, the news often gives more attention to the behavior of the wicked, than to the behavior of the those trying to do good.  Spotlight some embarrassing incident, no matter how long ago, or regardless of how irrelevant to the important job at hand.

Secretary Carson, teed up by a question from Senator Thom Tillis (R-NC), talked about how “Amazing” today’s manufactured homes are.

Carson called many of the regulations of manufactured homes “ridiculous.”  You don’t have to be a brain surgeon to see the truth that what you build indoors in a production center will cost you less than the same thing built outdoors on scattered locations. Save time, buy materials in bulk, cut wasted and stolen items down, save labor, and you’ll save money. 

That’s why Secretary Carson could honestly say that manufactured homes often look like and rival conventional housing, and cost less. Per the U.S. Census Bureau, they are about half the cost per square foot as site building.

There’s an important part of the solution to the affordable housing crisis, as Carson himself observed.

So why aren’t manufactured homes embraced?

One might as well ask, why don’t all embrace the cross of Christ? 

 

Manufactured Housing’s Judas

We will link up below the betrayal of manufactured homes by people, who like Judas, sold the industry out so that they could play the corrupt game in the temple that the money changers did in Jesus’ time.

But those corrupt industry folks, who are building “a moat” to enrich the few to the harm to the many, have been killing off competitors by an abuse of economic and political power.  Like Pilate or his brutal soldiers, they have various kinds of blood on their hands.

Some historians claim Pilate converted later in his life. Some say, some of Pilate’s soldiers and executioners did too. If it’s possible then, it is possible now too.

It took the most grueling and unjust death of all time to bring about the conversion of so many souls over the ages. It took Dieced – the killing of the God who become Man – to win victory over Satan. That’s what made this Friday, Good.

We can’t be surprised if we too have a unique cross to take up too.

On the other side of the darkness of Good Friday, comes the bright sunrise of Easter Sunday.

Manufactured housing has been crucified for years.  It was buried in certain ways by some, including those who falsely claim to be the industry’s allies. Pilate and the authorities spread lies to cover their tracks after they killed the Christ, too.

Might our misunderstood and maligned profession – given Secretary Carson’s and the Trump Administration’s leadership, and enough people of good will across the left-right political divide – support as needed our industry’s much needed rebirth?

Will the needs of the many outweigh in time the blindness and greed of the few? 

If enough do the politically incorrect in our time, then Senator Tillis’ and Dr. Carson’s insights will prove to be wise. In turn, millions more will be served, and can lead a better life.

But never forget, it was corrupt men who sold out Jesus. It was those guilty of sinful avarice, the ignorant, the lazy, the paid assassins, that killed the Savior. And the crowd watched. Some stunningly cheered, “Crucify him!” ## (Masthead op-ed, news, analysis, and commentary.)

Related Research:

Affordable Housing Focus Group

Documented Results from Manufactured Housing Industry Leadership

Elvis & Priscilla Presley Honeymooned in this Mobile Home

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

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

NothingIsChangedUntilItisChallenged-SoheylaKovachLATonyKovachTamasKovachDonaldTyeJr.575x238

Tony took the photo at the right.

ThereAreOnly2WaysToLearnOwnOthersExperiencesLATonyKovachManufacturedHousingIndustryMHProNews-575x235By L. A. “Tony” Kovach,
award-winning consulting, publisher, web, video, recruiting, sales training, business development service provider.

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

Connect on LinkedIn:
http://www.linkedin.com/in/latonykovach

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Howard Walker, ELS Vice Chair, MHI Executive Committee, and Multi-Billion Dollar Industry Questions

July 31st, 2017 No comments

Subsidized housing is a way of tipping the scales against the free-market solution offered by HUD Code manufactured homes.

Not enforcing enhanced preemption established by law under the Manufactured Housing Improvement Act of 2000 (MHIA 2000) is clear evidence of HUD failing to do its lawful duty. It’s one of several clear reasons to immediately replace Pam Danner, JD, as head of the HUD Code manufactured housing program.

HUDPamDannerFederalDataProvesManufacturedHousingIndustryQualityITBusNetMastheadManufacturedHomeIndustryResearchReportsDataMHProNews-com

This image above appeared on the business website shown, and was modified to fit this page. When HUD’s own data proves that manufactured homes have their best quality ever, why is Danner pushing for more and costlier regulations? Click above for more details.

Any industry professional, company, or association that fails to support:

•      a change away from Pam Danner as head of the HUD Code manufactured housing program, or

•     who don’t want to investigate why Lois Starkey separated from the Manufactured Housing Institute (MHI), and now is at HUD’s MH Program office,

is logically either: 

•     apathetic,

•     misinformed,

•     naïve,

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Click the collage graphic above to see Doug Gorman’s reasons for saying that Pam Danner, a personal friend of his, ought to be moved out of her current role at HUD.

•     or is hiding something.

 

The topic for today was specifically requested by an active and ranking MHI member.  That person and others in or out of that group’s body have requested something similar. A number of the questions/allegations/points of concern listed were made by MHI members.

HowardWalkerJDViceChairEquityLifestylePropELS-ManufacturedHousingInstituteLogoViceChair-postedMastheadManufacturedHomeIndustryResearcMHProNews600

Questioning the organization and its impact on the industry – for good or ill – should not be construed as attacking individual member companies, or people.

Before diving into questions/concerns to ask yourself about MHI, let’s state a pair of fair and balanced facts.

A)      The vast majority of the people and operations involved in MHI are good folks, fine operations.

B) Industry gatherings, meetings and events are routinely pleasant, and offer various networking benefits.

BarryColePastChairRVMHHallofFamePraisingMHProNewsMastheadManufacturedHomeIndustryCommentaryAnalysisReports

In the real world, things are rarely all darkness or light. Thus, the biblical admonition to separate ‘wheat from chaff.’

Discerning professionals, researchers, media, and investors must separate those A-B positive truths, from the questions below.

Note too that it’s possible to accomplish the A-B value noted above within MHI, or outside of it.

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Discernment – Ask Yourself These Questions About Allegations and Concerns Regarding MHI

In no particular order of importance:

1) Why hasn’t MHI informed its members on its position about Pam Danner, JD, and what’s behind the separation of Lois Starkey and Ton Heinemann?

2) Isn’t it obvious that if MHI wanted to see Danner removed, they would have already publicly come out and said so?

HowardWalkerJDViceChairEquityLifestylePropELS-ManufacturedHousingInstituteLogoViceChair-postedMastheadManufacturedHomeIndustryResearcMHProNews 

3) Why does MHI not defend the industry against false claims made by the mainstream media, or by activist anti-MH business groups?

4) Why didn’t Warren Buffett call then President Barack Obama, and ask him to have Richard Cordray support the changes sought in Preserving Access to Manufactured Housing? Wouldn’t that have saved MHI and the industry millions of dollars and untold hours of failed lobbying efforts?

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Several media outlets picked up on the story first broken on MHProNews about the dismissal of Vice Presidents Lois Starkey Tom Heinemann Manufactured Housing Institute MHI Dismissed

5) Why did key MHI member/companies de facto derail the Duty to Serve (DTS) process with FHFA and the GSEs, while the association claimed to be working for its robust enactment?

6) Why didn’t MHI ask FHFA or the GSEs to release the minutes of private meetings? What are they hiding?

7) Why did MHI first support the business and job killing positions it initially took on DOE regulations? Why did it only change positions after months of third party pressure on the DOE proposal they supported?

AnotherMHIFlipFlopManufacturedHousingInstituteMHI-DOELogosManufacturedHomeEnergyRuleDailyBusinessNewsReportsReseardhDataMHProNews-575x414

8) Why has MHI allegedly misinformed its own members on a variety of issues?

9) Why won’t MHI release its own bylaws to its own members, or prospective members? Where’s the logic? What are they hiding?

10) Sam Zell is one of many who has noted that big companies are better able to sustain heavy regulations than smaller firms. Then isn’t it reasonable to presume that if MHI fails to get regulatory relief – for whatever reasons – that the end result is more smaller companies will be “consolidated” into larger ones?

11) Why has MHI not warned its members about the possible protests by anti-industry activist groups – that may disrupt the MHI annual meeting?

MeethTheFacesGroupsBehindAntiManufacturedHousingMHIndustryActivistsProtests

12) Is your company feeding a hand that undermines your firm’s and the public’s best interests?

We Provide, You Decide.” © ##

(Note: Listen to what MHI member Dick Ernst says about controversy and MHProNews.com. Those principles Ersnt mentioned about digging into the issues that will head the industry in the right direction, applied then and now.)

 

MHProNews56342Magazines32PagesEach2MillionPageViewsMastheadMHProNews

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

Photo taken while L. A. “Tony” Kovach was questioning MH regulators in NY.

(Image credits are as shown, and when they are from third parties, they are provided under fair use guidelines.)

By L. A. ‘Tony’ Kovach.

 

 

 

July Justice 2017 – MH Billionaires, Millionaires, and You

July 11th, 2017 No comments

Follow the Money.” – says MHI-award winner, Marty Lavin, JD.

 

Pay more attention to what people do than what they say.” – Marty Lavin suggests, after many successful years in the retail, community, finance, plus as an expert witness in the Manufactured Housing Industry.

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NOTE: The new issue articles are linked below, after this commentary. Photo CAPTION. Marty Lavin’s 3 level, 70′ Italian cruiser.

We strive to watch the money, to see what moves money, and why. We also watch what people write and say. We save their statements. That means, we can later check back, and see what someone or some group did and are doing.

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Marty Lavin, JD looking happy and trim in the dining area of his winter residence in Miami Beach, the 70′ custom Italian ship, the Spy Sea.

That’s how accountability happens.

Those statements – past and present – money flow, and facts are amazingly revealing in our industry, nation, world. They impact – for good or ill – tens of millions of lives.

This week, guest writer Julia Granowicz quoted Daniel Patrick Monaghan, “You are entitled to your opinion. But you are not entitled to your own facts.”

A widely acclaimed article by Granowicz subtitled – A Millennial Considers Economic Liberty – is linked here.

MillenialConsidersEconomicLibertyDailyBusinessNewsResearchReportsDataManufacturedHousingMHProNews-com--575x335

Millennial Granowicz has also published one on another hot-button, controversial topic. The minimum wage and manufactured housing, is linked here.

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Breaking Bread

We spotlighted ELS this past Friday. In that Daily Business News market report we mentioned a private dinner at the invitation of ELS’ Howard Walker (a nice dinner, we two).

We ought to mention that 21st Mortgage President and MHI Chairman, Tim Williams and Clayton’s Tom Hodges – in the company of 3 others from Berkshire Hathaway units – likewise invited me to a private dinner.  A good meal, nice time, with robust discussions.

None of those, IMHO, will deny those private meetings took place, because they are demonstrably true.

The significance of those may be revealed, at the proper time.

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“Breaking Bread” is an expression that means, sharing a good meal. Photo credit, Pixabay.

Industry Billionaires Taking Opposite Positions, Publicly

Warren Buffett seems pretty left-wing in his politics, see this link here.

Sam Zell, seems pretty right wing, see that story, linked here.

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Sam Zell, ELS Chairman. Photo credit, MHProNews.com.

Who will win, who will yield?  Will they work together?  Both have seats at the 4 man, MHI Executive Committee table.  Buffett has two, Zell, one.

Follow the money. 

Watch what people say, and then watch what they actually do.

 

MHIFlyInFlopsManufacturedHousingInstituteLogoCapitalDomeWashDCMastheadBlogMHProNews

We promised some who wrote in after the article was published above, this is the promise being kept. To see the original report, click here or the image above.

Principles Matter – Words, Allegations

In the wake of our MHI Fly-in report, we have two sources that tell us that “more than 30,” came to the MHI DC event. That word came after the article linked here, so we will cross link this post with that report.

The facts matter. We want to be accurate. If new facts emerge on a subject, we have for years brought them to our readers’ attention.

See an error, or what you think might be one?

Just show us the article, and the new information, or contrary claim/information.

In the case of the fly-in, one post-publishing source said, “about 40,” were there, and that party found the meeting useful.

FYI, the first Daily Business News report – and the updates, properly understood – may actually confirm each other. If less than 30 came, but the later sources are counting MHI staffers, that about 30 combined with staffers and workers is roughly equal to that ‘about forty’ total.

MHI has declined comment. Why?

Pay More Attention to What People Do Than What They Say…

One source suggested that a possible reason so many didn’t come is the extended legislative sessions in several states.  Worth considering.

But that only makes the point that a significant numbers who come are state execs, which is routinely true. For only about 3 dozen total to be at a national event that is supposed to advance MHI’s agenda…isn’t that embarrassing?

Isn’t it also a vote of little confidence by their own members?

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Warren Buffett, left. President Barack Obama, right. Credit, Wikipedia.

We must point back to what another successful industry pro said. While Barack Obama was President “one call from Omaha” could have fixed Dodd-Frank for manufactured housing.

Keep in mind two things.

1) Prior reports on the Daily Business News from MHI insiders that consumer groups and MHI could have gotten the MLO ruled passed by agreement, if only 21st/VMF and those impacted would have given up their points and fees hike.

2) That Richard Cordray himself said in this video, that there never was much high cost lending in manufactured housing.

So why has it taken MHI so many years to try to get the Preserving Access to Manufactured Housing Act done?

RichardCordrayCFPB-ManufacturedHousingRegulationsCSPANstill-InsideMHvideoPostedMHProNews-com-

This collage above was created from statements made by Richard Cordray in a video that is posted on this page, and was made available to MHI at the time. MHI declined to use it. Why? Some suggest ego or arrogance. If so, isn’t that troubling that MHI would pass on a tool to advance their agenda for some petty reason? Others suggest they didn’t see the value. Pardon me? Since this was produced, MHI’s SVP Lesli Gooch, has made a point of using videos, but none are as potent as this one. Some say, it is precisely because MHProNews made it, and MHI wants to undermine our pro-industry work. If that’s true, what does that say about MHI? Allegations, allegations, and all of the possible options are troubling, aren’t they? Keep in mind, in Chicago before the election, MHI had not one, but two pro-Clinton guest speakers. Why? Wasn’t Clinton pro-Dodd-Frank? Isn’t Warren Buffett pro-Clinton too? Do you see the obvious disconnects between what is being said, and realities like those noted above? Pay more attention to what people do – and ask, does MHI really care if they modify Dodd-Frank, or not?  See article, linked here.

Why did MHI never use this video, our still quotes graphic and these powerful admissions by Cordray to move their own stated agenda??

Why?

This is simple logic.

-They couldn’t get it done.

-They may have had the ability to get Preserving Access done, but had the wrong strategy or execution.

-They didn’t mind if it got done, or not. Why? Could it be that either way, a few companies benefited?

Remember.

 

Follow the money.

Pay more attention to what people do than what they say.

One call from Omaha to then President Barack Obama could have fixed what 5 years and some $15 million in efforts by MHI did not.

Sam Zell and Jenny Hodge, Nathan Smith – will share that he another time – have all directly or indirectly pointed out what is obviously true.

Heavy regulations harm smaller producers more than big ones.

Heavy regulations harm smaller banks – or any other kind of business – than big ones.

So when MHI ‘tries but fails’ – time and again – who still wins?

Hint. It’s not the little guys, it’s not the independents, is it?

Have a small number of larger companies figured out a clever way to slowly create ever-bigger monopolies – indirectly, by allowing (or encouraging) regulations – that only a few benefit from?

The answer to that impacts literally everyone.

Knowledge is potential power!

Against that backdrop, and with no further adieu, here are the featured articles and reports for July.

Meet Donald Tye, The Flashback Fast-Forward Face of Factory-Built Homes?!
by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-Affordable home ownership is Human Capital Investing as opposed to warehousing humans like cattle in a corral,” said Donald Tye, Jr. Read more …

 

Liar! MHI report calls Gov. John Kasich, Allies Liars
by RC Williams

RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsIn a saga that the Daily Business News has followed closely, the battle in Ohio to keep the Ohio Manufactured Homes Commission (OMHC) alive and independent has drawn a well-known name into the fray… but, are they the pot calling the kettle black? Read more …

 

Americans On the Move – How Often? What are the MH Opportunities?
by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-Manufactured home professionals may not always realize how many people are ‘on the move’ in their market  Read more …

 

Retailers, Communities, Producers Warned – Another HUD Power Grab
by Matthew J. Silver

matthew-silver-daily-business-news-mhpronews-comIn what the Manufactured Housing Association for Regulatory Reform (MHARR) says is a violation of the Trump Administration’s Executive Orders issued January 20, 2017 to ease regulations, the HUD MH program published an interpretive bulletin (IB) in the Federal Register that will alter the standards for MH foundations in “freezing climates.” Read more …

 

HUD Secretary Ben Carson Exclusive Video – ‘Absolutely!’ ‘We Need Crusaders’
by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-As June 2017 winds to a close – a time which President Donald J. Trump proclaimed to be Home Ownership month – Housing and Urban Development (HUD) Secretary Dr. Ben Carson hosted a video broadcast via Facebook, which MHLivingNews captured, enhanced from the original and provided to the Daily Business News. Read more …

 

Retailers, Communities, Producers Warned – Another HUD Power Grab
by Matthew J. Silver

matthew-silver-daily-business-news-mhpronews-comIn what the Manufactured Housing Association for Regulatory Reform (MHARR) says is a violation of the Trump Administration’s Executive Orders issued January 20, 2017 to ease regulations, the HUD MH program published an interpretive bulletin (IB) in the Federal Register that will alter the standards for MH foundations in “freezing climates.” Read more …

 

Insider Trades at Tricon, Spotlight – Check Moves at Cavco, Skyline, More
by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-The evolving Daily Business News market report sets the industry’s stocks in the broader context of the overall market stocks. Read more …

Manufactured Home Owners Can Save Big
by RC Williams

RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsIn the state of Vermont, a critical utility is working to make life easier for manufactured home owners to save money. Read more …

 

What is Affordable Housing? How Affordable is Manufactured Housing?
by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-Recently, a manufactured home industry professional said, “We hear about affordable housing all the time.”  Read more …

 

OPEC Disarray May Yield Manufactured Housing Industry Hooray
by Matthew J. Silver

matthew-silver-daily-business-news-mhpronews-comIn the 1970’s President Jimmy Carter urged the nation to turn down thermostats as a way of conserving resources, to become “energy independent” from foreign countries. Some wags suggested Americans lower our body temperature below 98.6 as a means to conserve energy. Read more …

 

Governor’s Controversial Manufactured Housing Battle Concludes

by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-From the moment Governor John Kasich‘s Administration first proposed to eliminate the Ohio Manufactured Homes Commission, the air has been full of misleading information and derogatory comments directed at almost one million Ohio residents who live in manufactured homes,” said Tim Williams, Executive Director of the Ohio Manufactured Homes Association (OMHA). Read more … 

 

Climate Change, Tornadoes, and ‘Mobile Homes’ – Dangerous Oversights – Mark Skidmore Admits Michigan State Univ Study’s Omissions; Revealing Analysis & Report
by L. A. ‘Tony’ Kovach

tony- kovachIf the climatologists are right about the continuing effects of climate change,” said Mark Skidmore, MSU economics professor and co-author of the study, “then people living in mobile homes could be particularly vulnerable to tornadoes in the years to come.Read more …

 

PreFab and Modular Housing May Be Key For Students
by Matthew J. Silver

matthew-silver-daily-business-news-mhpronews-comWhere is the lack of affordable housing not an issue? Read more …

 

  

Are the Blind, Leading Legally? Ruling on Websites, ADA Puts MH Businesses on Notice
by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-That a wide array of private businesses are subject to the Americans with Disabilities Act (ADA) is not a surprise to thousands of manufactured housing industry professionals from coast to coast.

Read more …

 

Are Americans Hunting for the Single Sectional Manufactured Home Alternative?
by Matthew J. Silver

matthew-silver-daily-business-news-mhpronews-comThe hands down king of affordable permanent housing in the U. S. is single section (a.k.a. ‘single wide’) manufactured homes. On a cost per square foot basis, they are hard to beat, as U.S. Census Bureau – and other research from sources such as Zillow, or the National Association of Home Builders (NAHB) – demonstrates. Read more …

 

Texas Strut$ Their Stuff – What Association Success Looks Like
by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-

The Texas Manufactured Housing Association (TMHA) has wrapped up the heavy lifting from their legislative session. The TMHA’s DJ Pendleton tells MHProNews that they set out to achieve two major goals. Read more …

 

Deer Valley Soars, Spotlighted, Most Tracked Stocks Rise
by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-The evolving Daily Business Newsmarket report sets the industry’s stocks in the broader context of the overall market stocks. Read more …

 

Regulation Nation – Manufactured Housing Associations, Companies, and Professionals
by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-You are entitled to your own opinions. But you are not entitled to your own facts.” Read more …

 

Nobility Homes Spotlight Report, Nobility Rises, Most Tracked Stocks Slip
by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-The evolving Daily Business News market report sets the industry’s stocks in the broader context of the overall market stocks. ,Read more …

 

Challenges Loom for Ohio MHC Residents
by RC Williams

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-As the Ohio Manufactured Homes Association (OMHA) wages a battle in the state capital for manufactured home owners, residents of a community in Fairborn face an uncertain future. Read more …

 

4 and 0 – Special Elections and Manufactured Housing – Clayton, Connor, Hamilt
by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-I don’t care whether you are a liberal, conservative, independent or something else – the bottom line with this year’s [2016 presidential] election was simply more of the same or something new, different or unique,” said Tim Connor, CSP.

Read more …

Ronald Reagan, Richard Nixon, Dr. Martin Luther King Jr., King David and Donald Trump

July 1st, 2017 No comments

I’ve worked with, and known thousands of Democrats, including people I’ve been close to for many years. The same could be said of Republicans, or Libertarians, etc. I’m neither, we’re independents.

We respect the right of people to affiliate and vote as their hopefully well-informed conscience dictates.

It may seem odd to place these four American and one Jewish leader in the same headline. They’re quite different, but there are a few similarities that we can learn from.

richard-nixon-success-im-not-a-crookMemeGeneratorManufacturedHousingIndustryNewsMHProNews

Everyone has good and bad qualities. One blast from the past is his “Silent Majority” phrase.

Nixon

History tells us that President Richard M. Nixon’s crime wasn’t the Watergate break-in. His mistake in that sad affair was the post-incident coverup. There certainly was plenty to question in President Nixon’s foreign and domestic policies.

But the proximate cause for bringing Nixon down was a cover-up.

WhenBusinessOrIndividualSPendsMoreItGoesBankruptRonaldReagancreditHeritage-postedManufacturedHousingIndustryCommentaryMHProNews

Image credit, Heritage.

Reagan

Ronald Reagan was an actor-turned-politician. He was pro-abortion before he become pro-life. He became a conservative and evangelical Christian icon, yet he was divorced and remarried.

He’s revered for addressing economic and foreign policy woes, plus bringing down the Iron Curtain.

But his administration was also embroiled in the Iran-Contra scheme. Compared to the nation he inherited from POTUS Jimmy Carter, he arguably left America and the world much better off.  The economy and jobs grew.  The world enjoyed a period of less global tension.

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Dr. King

Dr. Martin Luther King, Jr. was a ‘man of the cloth,’ a professional preacher. He was investigated by the FBI for allegedly getting support from Moscow (yes, another Russian conspiracy story). King was accused – among other things – of being a philanderer, a womanizer.

Yet he reportedly loved his wife and family. King was no Democrat, he was a Republican. A social justice warrior, he used peaceful organizing when some of his peers wanted to use violence.

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King David

Israel has many heroic figures, past and present. David is one revered by billions over the ages who’ve learned parts of his story, and were influenced by his words, life and deeds.

Like Dr. King, David was accused of philandering. Like Nixon, he attempted a cover-up. The Scriptures say he took another man’s wife, fathered a child by her, arranged to have Bathsheba’s husband killed in battle to hide the truth.

Yet, David is revered…not for human weaknesses and immoral acts, but rather for the good that he did.

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Mike Pence, left, President Donald Trump, right. Original photo credit, PBS. Collage credit, MHProNews.com.

President of the United States (POTUS), Donald J. Trump

Before diving into our current Commander in Chief, let’s review.

Not one of the figures above was perfect. Each did some things that were tragic. While one can argue the finer points:

  • Nixon was known for opening up China to the U.S. (note – I thought for decades and still now believe that was a huge mistake, but millions think it was his finest accomplishment).
  • Reagan took the nation out of economic doldrums, and is one of the figures lauded for winning the Cold War against the then Soviet Union (Russia, plus – under Communism).
  • Dr. King helped millions of ‘people of color’ gain an increased measure of respect and enhanced equality. He benefited primarily blacks, but others also benefited. Indeed, arguably the nation as a whole was furthered by his work. Nevertheless, King had his human weaknesses, missteps and frailties.
  • David is a heroic figure who illicitly fathered another legend. Out of evil, God can do good. One ought not do evil, but God’s wisdom and wonder includes the ability to bring triumph out of personal tragedy.

Now, we turn to Donald Trump as president.

Be you a supporter, detractor or in between, he’s a human, with great skills and weaknesses too.  We’ve seen in the examples above that you don’t have to be perfect to accomplish

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Credit, The Conservative Tree House.

Mr. Trump’s informed opponents – most of POTUS Trump’s detractors are ill advised followers – know what’s really going. Make no mistake, it has never been about Russia or anything other than fear that Trump will succeed in his stated agenda.

  • It’s fear of the president successfully creating millions of good, higher paying jobs.
  • It’s fear that he will drain the swamp and crony capitalism.
  • It’s fear that he will seek to stop Islamic radicals from harming our nation (not an easy one, this and other points are another subject for another time)
  • It’s fear that POTUS Trump will take on and break up some monopolies.

It’s fear he will modify NAFTA, reduce trade imbalances, make America great on the world stage again, modify taxes and regulation, fox ObamaCare and all of the things that caused tens of millions to vote for him, or to vote against his opponents.

  • We don’t have to like every tweet.
  • We don’t have to adopt his every word or deed.

But God-willing – and he’s kept safe from harm – the president may succeed, and do what he’s promised.

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Credit, National Views.

If POTUS Trump does so, he’ll indeed be inspiring America to become a much greater, richer, and fairer nation than before he took office.

That’s what the Democratic power brokers and leaders fear.  It’s what some elitist Republicans fear too.

Everything else is smoke and mirrors being blown, because even his enemies are having to admit, there’s no evidence of wrongdoing.

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Credit, College Humor.

Those lies, half-truths, and distortions are misguided efforts to unseat (or worse) a duly elected President.  Let people disagree on policy, but it’s unAmerican what much of his opposition is doing.

Image credit, CNN Money.

It’s POTUS informed attackers who are being vile.

Tens of millions on either side of the sad divide…they’re being used like pieces on a chess board.  Who  may win or lose dependes on the failure or success of the president, his team and if enough Americans keep up their support.

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No one would accuse President Donald Trump of being a bland color. Image credit, Frugal Entrepreneur.

We pray daily as a family for the President, our nation, and the world’s honest success. ##

(Image credits are as shown.)

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L. A. ‘Tony’ Kovach caricature.

By L. A. ‘Tony’ Kovach.

Mandamus! Magnificent May in MHVille, 2017

May 21st, 2017 No comments

Fight!

Fight!

Fight!

Example 1, of many possible examples.

Mandamus!

Mandamus –

Wikipedia › wiki › Mandamus

Mandamus (“We command”) is a judicial remedy in the form of an order from a superior court, to any government subordinate court, corporation, or public authority—to do (or forbear from doing) some specific act which that body is obliged under law to do (or refrain from doing)—and which is in the nature of public duty…”

LegalUnlockEducationPrompotion1TrillionManufacturedHousingIndustryCommentaryMHProNews

Collage credit, MHProNews.com.

The attorneys will sort out the details. But think about HUD, enhanced preemption, local zoning, and a host of other possible applications to this under-utilized legal remedy.

We’ve been part of a quiet effort at setting the stage for what we will briefly pencil out.

Already underway, unveiling soon and through the end of this year – and likely well beyond – we see opportunities for manufactured housing to advance in many profitable ways.

Among them are proper strategic and tactical uses of legal remedies.  Some of what has been discussed with the legal minds already include, but are not limited to, the following:

  • Multi-Billion Class Action.
  • Bad faith.
  • Tortious interference in a business relationship.
  • FOIA.
  • Mandamus.
  • False advertising.
  • Failure to perform.
  • Slander/defamation/liable. 
  • RICO.
  • Constitutional arguments.
  • More…

The attorneys will sort out the details. Some of the above could be done with contingency attorneys. Other will require a more traditional funding of the attorney/client relationship.

Some efforts can be enhanced in strategic legal alliances with other similarly-impacted and injured people, groups and organizations. 

Know it or not — you, many of our clients, readers, we, and others in manufactured housing are being harmed day-by-day.  It’s time to end that, isn’t it? To unshackle the potential of your business and our industry?

Disclosure. We’re not attorneys, and thus the legal remedies outlined here are as seen through the lens of a lay person. But my humble take on the early discussions with the “suits” – past and present – leads me to think that ground-breaking changes are possible.

Whatever the mind can conceive and believe, the mind can achieve.” – Napoleon Hill.

IfYouAreGoingtoBeThinkingAnywayYouMightAsWellThinkBigPresidentDonaldTrumpMHIndustryCommentaryMHProNews

Collage credit, MHProNews.com

Those profitable changes will come through a combination of:

·        Education. Internal (industry professionals) and external (to public officials, media and the public at large.

·        Lobbying/Engagement (advocacy, education)

·        Marketing

·        Pro-Industry Trade Media (MHLivingNews.com, MHProNews.com)

·        Mainstream Media Engagement.

·        Trade media and services expansion.

·        Legal action.

We will be looking for parties who are already in – or are poised to enter – manufactured housing. Forward thinkers, ready to step out and participate at various levels in these efforts.

We will also be looking for allies – impacted parties ready to participate, tired of the status quo and willing to do more than complain about it.

Picking the right test cases and parties to be involved will be important.

This is America. Land of the Free. Home of the Brave.

To the Victors Go the Reward$. To the losers goes the dregs.

My thanks to all who visit and support, starting with my amazing family, our fine team, and all those visible and invisible who make this and our sister platform possible.

Thanks too for our readers – for the words of encouragement, tips and insights – and for letting me share the extended teaser above.

Now – as promised Friday – with no further adieu, please find the line-up for the Featured Articles for Magnificent May below. ##

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15 Minutes a Day on MHProNews and MHLivingNews.com – free news, reports, insights,  and inspirations for the Public and Professionals that provides resources for industry image, education, and thus fuels growth.

Terrible FHFA Duty to Serve Rule Leads to Useless Fannie And Freddie DTS Chattel Plans
by Mark Weiss

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M. Mark Weiss.

Washington, D.C., May 9, 2017 – The entirely discretionary final “Duty to Serve Underserved Markets” (DTS) rule published by the Federal Housing Finance Agency (FHFA) on December 29, 2016 Read more …

 

“Your Nothing More Than a Bunch of D-mn Republicans!”
by Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-

This story is a quick insight into the Washington, D.C. Swamp. Read more …

 

MHVillage Announces New Industry Service
by RC Williams

RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsGrand Rapids, Michigan-based MHVillage, the nation’s number one website for buying, selling, and renting mobile and manufactured homes, tells MHProNews that it has introduced a new text notification feature, MHVfastLead™. Read more …

 

The Start of Zoning Wins for Manufactured Housing?
by RC Williams

RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsIn Kilgore, Texas, an ordinance that has stopped the inclusion of new manufactured homes outside of specific communities is now under scrutiny. Read more …

 

Triad Financial New Program for MH Retailers
By RC Williams

RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsTriad Financial Services, Inc. tells MHProNews that it has formed the Triad Manufactured Home Risk Purchasing Group (RPG) for manufactured home dealers. Read more …

 

Affordable Housing, Manufactured Home Communities the Other Side of Rent Control
by RC Williams

RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsIn an update to the story that the Daily Business News originally covered here, residents at the Thetis Lake Campground community in View Royal, British Columbia, Canada, are facing an imminent threat.
Read more …

 

Are Mobile Home Fires Burning the Manufactured Housing Industry?
RC Williams,

RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsThis follow up has an interesting and important twist for the industry. First, let’s lay out the facts.
Read more …

 

Communities! Your Source for Drain & Sewer Cleaning, from Drainlines to Mainlines – Electric Eel
by Mark Speranza

Communities, you know how often you face drainline, mainline and other related cleaning issues. Discover a common-sense, one-stop solution. Read more …

 

Could MHI Have Helped Kill CFPB? Another Opportunity Missed? MH Lending, Legal Report
RC Williams

RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsAs industry professionals are already aware, the CFPB has restricted high cost and other loans on manufactured homes.
Read more …

 

May, 2017 – Significant Manufactured Housing Production Increases Continue
by Mark Weiss, JD

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M. Mark Weiss.

Washington, D.C., May 3, 2017 – The Manufactured Housing Association for Regulatory Reform (MHARR) reports that according to official statistics compiled on behalf of the U.S. Department of Housing and Urban Development (HUD), Read more …

 

What Are Your Conversion Ratios? MH Marketers or Sellers of Manufactured Homes
by L. A. “Tony” Kovach

tony- kovachThe Conversion ratios topic is one that only the focused few in our industry consider. Multi-Family Insider wisely says, ‘you can only manage what you measure.’ Read more …

 

Jenny Hodge, National Community Council, Public Time-Bomb Deployed on Manufactured Housing Institute, Prominent MHI Lender
By Soheyla Kovach

SoheylaKovach-WebsiteDevelopment+SupportServices-MHProNews-com-photo83degreesmediaJulieBranaman-posted-MHProNews-com-50x50-

It’s axiomatic.  Read more …

 

ROC USA announce Partnership
RC Williams

RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsMHProNews has learned that National Cooperative Bank (NBC) of Hillsboro, Ohio and MetLife have teamed with ROC USA and their ROC USA Capital arm, a U.S. Treasury-certified Community Development Financial Institution, to offer additional financing allowing manufactured home community residents to purchase the communities they live in. Read more …

 

“Fishing in the Right Pond,” Manufactured Home Loan Insights by Credit Human’s Barry Noffsinger.
by L. A. ‘Tony’ Kovach

tony- kovachA picture is worth a thousand words, and sometimes so is a good power point presentation. Read more …

 

 

Kevin Clayton at Clayton Homes Video Interview, Insights
by RC Williams

RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsYesterday, in part one of this series on the “Woodstock for Capitalists,” the Daily Business News focused on several aspects of the business, wit, insights, and politics of Warren BuffettRead more …

 

Outsourcing and the U.S. Economy: Can Trump Muscle Save the Day?
By RC Williams

RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsIndia based IT services firm Infosys announced yesterday that they plan to hire 10,000 U.S. workers over the next two years and open up four additional technology centers, beginning in Indiana. Read more …

 

Joe Stegmayer Sheds Cavco Stocks, CG Gains, Markets Meh
by RC Williams

RCWilliams-writer75x75ManufacturedHousingIndustryMHProNewsNoteworthy headlines on CNNMoney – Massive ransomware attack hits 99 countries.  Read more …