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America – the Story of US – Declaration of Independence

July 2nd, 2019 No comments
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Still from second video, below. Collage by MHProNews.

Millions of Americans were taught or acquired a sanitized or weaponized view of American history. Even those of us who focused on history in high school and at university were to varying degrees tainted by the perspective of instructors, pop culture, or textbooks.

 

All of human history, not just American history, can be oversimplified as a struggle for increased freedom by some against the efforts of conquest or oppression by others. That’s a tonyism you may not find anywhere else. Keep that in mind, test it, and see if it proves useful time and again in understanding the past or current events.

Some never ponder conquering or oppressing others, just as some have a hard time imagining how individuals who have options might opt for a life of crime. For those, the notion of con men or manipulative forces doesn’t come readily. Thus, it might need additional information and evidence for that reality to be accepted. Mindful of it, there are times regular and longtime readers know this writer has admittedly been surprised by the truth too.

Every person or generation that opts not to accept oppression has their own unique fights for liberty and freedom. 

It’s sad that millions of youth don’t fully appreciate, for example, how unique the American revolution, the abolition movement, and the Civil War were. True, other nations had their own struggles with slavery and indentured servitude. There are several other examples in world history of a dominated people of a country fighting off the occupation forces of others.

But the Declaration of Independence nevertheless stands apart from much of humanity’s story.

The first four-minute video helps sets the table for the Declaration. Thomas Jefferson and other founding fathers were well versed in history, literature, and matters of faith. None were perfect. So, it is no surprise that their declaration and the aftermath were imperfect too.

 

 

But from an objective view of history, perhaps the most famous part of the Declaration reflects a unique vision for humanity, and we should be mindful that the term ‘men’ could easily be construed in this context as humans both male and female.

We hold these truths to be self-evident. That all men are endowed by their Creator with certain inalienable rights. That among these are Life, Liberty and the Pursuit of Happiness.” The first draft read ‘life, liberty and property.’ The notion of privately-owned property was not new, nor were legal protections for property ownership novel. Those can be found in ancient biblical and other texts.

But stating them in such a political document as the premise for rebellion against the British monarch, that was notable. Enumerating the various ways that the English king violated those rights, that was meant to help rally support among the colonists for American Independence.

There is a stark contrast between using law as a means of safeguarding rights including property, vs creating laws that gave rulers rights and powers over the masses.

It is not a slam to say that America has never been perfect, that is just reality. 

But it is useful and inspiring to ponder that slow march and the uneven rise and retreats over the years for people striving for freedom and self-government. 

The history of America’s battle against not only British rule, but also against monopolistic power in the U.S. are useful to ponder for members of our industry. 

We never tire of celebrating the good already achieved, mindful of the traps and swindles that have also existed, past and present.  

Freedom is never free. It always comes at a price. It always requires effort and vigilance. But freedom is arguably worth the effort.

George Orwell had socialistic beliefs, so his insights were arguably somewhat flawed. But he nevertheless grasped that understanding history was important. Being detached from history makes the misinformed or the ignorant vulnerable.

Day by day we strive to authentically tell what’s occurring in manufactured housing from the perspective of industry professionals, investors and affordable housing advocates on MHProNews. On our sister site, MHLivingNews tells the tale of America’s most proven form of affordable homes in a way that makes sense for a broader audience.  

In both the public and professional instances, we are using information, evidence, and reason to combat misinformation. MHProNews | MHLivingNews are fights for economic, legal, evidence-based pride, and thus socially accepted independence.

The second video – which is a ballad – tells a tale that may technically not seem to be related to Independence Day, or is it? It has over 8.9 million views.

 


 

 

In a sense, independence day began on July 2, when the draft of the declaration was done.  But it was formalized on July 4, which is the official holiday.  The words on the Liberty Bell say, “Proclaim Liberty Throughout All the Land Unto All the Inhabitants Thereof.” (Lev 25:10).  Personal, economic, political, and religious freedom all go hand-in hand.  Happy Independence Day, an important part of the story of U.S.

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Tony earned the Lottinville Award in history from the University of Oklahoma.  He has earned multiple awards in manufactured housing and in history. He’s a managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

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HUD Secretary Ben Carson, Affordable Housing, Obscuring the Truth, Innovations in Housing, and Manufactured Homes

June 4th, 2019 No comments

 

HUDSecretaryBenCarsonAffordableHousingObscuringTruthManufacturedHomesDailyBusinessNewsMHproNews

Hold the headline for 125 words. Poisoning the well. Salting the fields. Those are but two of several ancient methods some enemies used to harm their opponents. The notion behind those vile tactics was if you could kill off their drinkable water or their food supply, someone could effectively destroy their enemy.

 

Other devious, ancient tactics are:

  • scapegoating,
  • tapping into prejudice(s),
  • obscuring the truth,
  • the big lie,
  • making numbers of people fear doing or saying something that is normally quite natural.
  • Still other tactics are buying or enticing someone to become effectively a ‘Quisling’ or ‘Benedict Arnold.’

 

 

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All those are tools of manipulation or coercion, but they could in theory begin subtly. “Political correctness” might be viewed as an example of the deployment of a way to delicately influence millions.

 

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Before proceeding, let me stress that this writer is a political independent. Affordable housing ideally ought to be a non-partisan or bi-partisan issue. My friends and family include Democrats, Republicans, libertarians, other minor parties, and the droves that could care less about politics. While I hold personal views on matters of faith, my friends and colleagues include self-professed atheists, agnostics, Buddhist, Bahai, Muslims, Jews, New Age, and oh yes, one of several branches of Christianity.

That said, the truth, evidence, reason, experience, logic, and history are among the intellectual drivers for this writer and our LLCs digital publications. Earning and keeping the biggest professional audience of its kind in our industry didn’t happen by accident. Or as a top man of a publicly traded firm said during the Tunica Show, he’s happy his company isn’t one of those we’re investigating, a back handed compliment. He went on to say that we lay out a case step-by-step in an evidence-based fashion that makes sense once an article is digested.

That corporate leader isn’t alone. Professionals from firms of all sizes have made this the number one digital platform of its kind in our industry’s history. Not bragging, just the facts made possible by the various tips, sources, and contributions of so many others.

 

 

HUD Secretary Ben Carson’s Affordable Housing Educational Offensive

First, let’s acknowledge that a genius in one field doesn’t make someone all-knowing about other subjects. All truth is learned from another in some form or fashion. Before one knows the truth about any given subject, one is by definition ‘ignorant.’

That’s reality, not a slur.

Before becoming a political candidate for the White House as a Republican in the 2016 election cycle, the current Secretary of the U.S. Department of Housing and Urban Development (HUD) – Ben Carson, MD – was a world-renowned pediatric neurosurgeon. This writer was among those who grew up hearing amazing-but-true stories of the accomplishments of Dr. Carson. Carson in several ways epitomized the American Dream of going from rags to riches.

His is a story of discipline, endurance to overcome the odds, and the rewards that can come in a free market society that rewards honest accomplishments. So, of course Dr. Carson opposes socialism, and celebrates the American Way.

In an era when being a black man was considered to be automatically a Democrat, Carson – not unlike Justice Clarence Thomas, Alan Keyes, Thomas Sowell, Alveda King, Carol Swain, Walter Williams or scores of others – came to believe that what modern Democrats embraced ran counter to many of the values that made America great. That’s not a slam on Democrats as individuals, but it is to question a party leaders that drifted from Democratic President John F. Kennedy’s professed anti-communism and tax cutting to one that increasingly embraces socialism and redistribution of wealth schemes.

Let’s note there have been GOP party issues I won’t go into now that kept me from embracing their views in toto as well. Each party – in some form or fashion – has something worthy of consideration. This writer, therefor, strives to support those who line up with proven historic principles.

 

Mocked!

There are times when we all say or do something inadvertently that if magnified and mocked, can be weaponized to create an illusion of ineptitude. Mocking someone can seemingly soil even the most gifted. Do that on national TV, social media, or cable news, and you can turn a truly wise or intelligent person into someone that can be made to appear clumsy. The “OREO” vs. “REO” item that made headlines about Secretary Carson a few weeks ago is an example of that in action.

Secretary Carson profoundly identified that mockery tactic on national TV spot posted below as borrowed from the pages of Saul Alinsky, author of Rules for Radicals. Alinsky and Hillary Rodham – the future Mrs. Clinton – were pen pals, and Hillary did a college paper on Alinsky and his methods. To dot the i on slips of the lip or honest mistakes, it’s as wrong to mock former President Barack Hussein Obama for saying 57 instead of 50 states, as it is to mock Secretary Carson for not hearing REO correctly during a somewhat raucous congressional hearing.

 

 

Stuff happens, but mature or fair-mined people don’t mock another for a simple misunderstanding.

Cheap shots at such slips are the tools of those with a weak argument. Which brings us to a reality that Secretary Carson well knows. The truth can be obscured or even turned on its head by a variety of means.

Before turning to affordable housing, let’s give but one more example of obscuring the truth. Prior to launching the campaign that led him to becoming the 45th president, try to find someone of stature who accused Donald J. Trump of racism or misogyny. The Trump Organization famously promoted women as easily as a man. There are scores of people like Tiger Woods, Kanye West, or Secretary Carson, that have or would attest to the fact that President Trump is no racist. Trump appeared on Oprah Winfrey’s program several times. Did she think him a racist then? If so, why did Oprah have him on…was she promoting racism or a racist? Of course not. But repeat a lie often enough, and a certain number will believe it.

Repeat a lie with millions hearing or reading it often enough, and millions will believe that lie.

With those useful analogies and examples, now let’s turn to Secretary Carson’s lessons on affordable housing.  Note that in the video below, as Secretary Carson speaks about manufactured homes and windstorm resistance, Maria Bartiromo makes a sound, as if his statement caught her by surprise.  One might think that the Manufactured Housing Institute (MHI) might want this video on their website.  More on that later.

 

 

Secretary Carson and Affordable Housing

First, Secretary Carson begins with a free enterprise mindset. As a scientist – because that’s what a physician is – Dr. Carson is by training evidence, reason, goal, and solution oriented.

Reverend Donald Tye, Jr. told me something profoundly insightful, which we’ve held until now. Tye said that when he spent time working in social programs to help the disadvantaged, an odd shift can occur among those serving the needy. A job exists in government or a nonprofit in part because there are poor or other circumstantially disadvantaged individuals. Solving the underlying problem would eliminate jobs. Ouch, but that’s a deeply insightful point.

Rephrased, Rev. Tye was telling me that solving poverty was not the goal for many in a nonprofit or governmental role.  Ouch, that’s painful to ponder, but it’s a notion that at a minimum merits consideration.

 

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Carson has been asked to shrink the budget at HUD, as have others in various federal agencies in the Trump Administration. Shrinking HUD’s budget creates political enemies among those who benefit from the existence of programs and poverty. It should be common sense – besides being federal law – that illegal aliens don’t qualify for housing assistance, a topic mentioned in the first right-of-center Fox Business video above. That’s but one of many issues that some on the left have attempted to manipulate facts that creates a narrative that they can weaponize against Secretary Carson.

Carson, by a variety of means, has learned several things about manufactured housing. That’s come in part from trade associations, but also from HUD internal, and other sources.

Carson is not necessarily an expert, but he is intelligent. It is common sense that a home built in a factory is less costly than one built more slowly outdoors. Traditional ‘site building’ is subject to the weather, theft, subcontractors that don’t always show up when expected, inspections that get delayed, permitting, and a raft of issues that cost time and money. Build a single car in a driveway and see how much more expensive that one car is than one essentially identical that’s built on a factory assembly line.

Factory-building is common sense.

Secretary Carson doesn’t have to be a gifted genius to get that reality. Common sense ought to be enough.

In fairness, there is no doubt that Secretary Carson has learned some valuable insights from members of several different associations. I’d like to contemplate the good doctor as thinking for himself – as a scientist would – and not as a puppet for Berkshire Hathaway or their de facto association mouthpiece, based in Arlington, VA. Carson surely knows who Warren Buffett is better than most, because – as noted – he knows who Saul Alinsky is, of whom most Americans know nothing.

Carson, once he begins to learn the truth about manufactured homes, does what many do. He and others get excited about it. Carson seems to sincerely want to tell others, the best way his time and other demands allows him to do. That desire to share good news is common, until it is beat out of someone.

Now, sharing good news about manufactured homes as a tool in the chest for solving the affordable housing crisis may seem to fit what a manufactured housing trade association would – or should – want.

 

 

But what Secretary Carson – perhaps inadvertently, perhaps by intent – has done is reveal the utter purported hypocrisy of the Arlington, VA based Manufactured Housing Institute (MHI). How so?

Manufactured housing is now in its 8th month of year-over-year declining production. When one grasps the reality of what Secretary Carson says, it begs the question the Urban Institute asked in January 2018. Manufactured homes could help solve the affordable housing crisis, so why aren’t more HUD Code manufactured homes being sold?

There are over two decades of third-party research that tells the story of HUD Code manufactured homes. That research is largely absent from the MHI website. Why?  Why doesn’t MHI have a page on their website with tons of third party research, as we have established on MHLivingNews?

 

 

Last year, the National Association of Realtors (NAR) Certified Business Economist (CBE) Scholastica ‘Gay’ Cororaton wrote a fascinating research report that debunks large swaths of the misinformation that exists about manufactured homes. At least one MHI vice president took part in that research process, because she, I, and Mark Weiss from the Manufactured Housing Association for Regulatory Reform are among those that NAR’s Cororaton cited in her first footnote on page 48. That highly useful NAR research by Cororaton isn’t found on MHI’s website. Why not? Wouldn’t third-party evidence which debunks outdated or errant notions help convince more Americans hungry for affordable housing to buy a manufactured home?

Of course, it would. Third-party endorsement, by whatever terminology or nomenclature one may use, has been powerful method for convincing skeptics for ages. A genuine third-party research that debunks fallacies goes to the heart of the quotes below, from a former MHI chairman, and a controversial but savvy MHI member.

 

TimWilliamsGoodArgumensRespondEveryStoryRefuteEveryStatisticMakeOurCaseToPublicTimWilliamsQuoteCEOthenMHIChairmDailyUBsinessnewsMHproNEws

Then, MHI Chairman when this comment was made. So why doesn’t MHI follow this prudent advice? Why as MHI chair, did Williams mandate doing what he said was a good argument? MHI has a full time PR person. What is that PR person doing, if not refuting incorrect reports, and promoting good news?

 

 

There are reams of quotes similar to those we could cite, but let’s just use one more quote for the moment.

 

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The Decio family had Art – Terry’s father – on the cover of Time Magazine decades ago, what happened to the MH Industry since then?

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Decio’s question begs the question. Why is manufactured housing a secret at all? What is the job of MHI? Don’t they claim in writing and in videos to be promoting the manufactured home industry?  Isn’t that part of what MHI’s President and CEO, Richard ‘Dick’ Jennison, swears to under penalty of perjury when he signs the annual IRS form 990?

 

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

ManufacturedHousingSHipmentsBloombergQuintFactoryBuiltRebuidRecoveryMashteadLATonyKovachMHproNEws-756x768

Since Berkshire bought Clayton after the third year, the industry has overall performed at a lower level than they year that Buffett made the deal to buy Clayton homes in 2003. Coincidence, or under-performance by design? See the smoking gun documents that purportedly demonstrate monopolistic behavior, linked here.

 

I’ve not spoken to Secretary Carson. So, there is a bit of supposition here, based upon years of my reading and listening to the famous gentleman. At some point, Carson surely must wonder – why aren’t more manufactured homes being sold?  Why didn’t his predecessor at HUD, who likewise praised manufactured homes, actively promote manufactured housing as I’m trying to do?

 

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

 

Secretary Carson is Exposing MHI and Berkshire Hathaway MH Brands

Secretary Carson has exposed MHI and Berkshire Hathaway in this fashion.  A normal trade group would be celebrating what he said to them on May 7, 2019. There are numerous, powerful, pull quotes from his speech.

But no, now almost a month after the address by Carson, that speech is still not found on MHI’s website.

 

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After weeks of our hammering that point, last Thursday, MHI finally posted a brief notice on an interior page about the Innovation in Housing event that Secretary Carson, HUD and the National Association of Home Builders (NAHB) are promoting. They sent out a message to their members via email with a few pull quotes from Dr. Carson’s 5.7.2019 address, to let their members know how great MHI is. That’s become MHI’s photo op campaign.

But after bragging to their members about ‘getting’ Carson two years in a row, they failed to promote his fine address this year or last on their own website.  Where is the logic there?  Doesn’t that make the point that Frank Rolfe and others have raised about failing to properly promote the industry?

 

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MHI also apparently failed to use their media contacts to promote the good insights Carson has been making in mainstream news appearance exemplified by some videos shown on this page. The same was true in the run-up to the Innovation in Housing showcase that has 3 HUD Code manufactured homes on display.

It’s not the first such failure by MHI. Rather, it is only the most recent, as other examples posted above reflect.

Restated, there is a pattern of behavior that MHI has exhibited for years. It comes down to only a few logical possibilities. Pardon what will seem blunt, but let’s just state them. Among the logical possibilities:

  • MHI – their staff – are inept.
  • MHI – their staff – are incompetent.
  • MHI – their staff – posture intelligent behavior to their members, but fail to effectively do so with the general public.

 

Let’s bear in mind that the association’s staff are intelligent people.

 

 

Let’s further keep in mind that the association’s staff do what the MHI Executive Committee tells them to do. Put 3 stars next to that point.

MHI’s staff have been paid bonuses, if the IRS form 990s filings are to be believed.

 

Bonuses, Bonuses! Manufactured Housing Struggles During Affordable Housing Crisis, While Top MHI Staffers Get Bonuses

 

MHI staff have been praised by Tim Williams and other MHI Executive Committee leaders.  Given the opportunity to respond to concerns raised here or on MHLivingNews, they’ve ducked time and again for the last 2 years.

 

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Declining to take questions in front of dozens of industry professionals was Rick Robinson, MHI’s SVP and General Counsel. MHI’s president has similarly ducked publicly questions by this pro-industry trade media platform. Why begs the question, why?

 

Rearticulated, the staff must be doing what the MHI Executive Committee desires.  That doesn’t absolve them of moral or perhaps some legal responsibilities. But it causes one to look beyond MHI staff to those who pull the strings.

 

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Who helped promote those federal legislation efforts that harmed manufactured housing? Start with a presidential candidate supported by Warren Buffett.

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UMH President Sam Landy 

Sam Landy, JD, UMH Properties President and CEO, said at an MHI meeting to a half-dozen or so listening to him a few years ago words to the effect that ‘there seems to be a lot of meetings, but that not much actually gets accomplished.’

Some MHI corporate members stopped going to many of their meetings, and send a delegate instead, for the same reason Landy stated.

Note that MHI’s 990s make it clear that events and meetings are a profit center for the organization. That’s fine, so long as the organization is doing something worthwhile to promote their stated mission.

There are some who do benefit from MHI, but not in the normal association manner. The evidence suggests that MHI as it has operated in the Berkshire Hathaway era (since 2003) as a tool for corporate consolidation. By appearing to industry members to do what a normal national association should do, they can effectively collect dues and PAC contributions from independents. That also provides opportunities for larger companies to acquire smaller ones.

 

Reading, viewing, asking the right questions, observing, and listening. These are keys to adaptive success.

 

How Industry Underperformance Benefits Berkshire and “The Big Boys” in Manufactured Housing

Because the industry is de facto underperforming, based upon historic data and the potential demand, it means that those who have sold out in the last 15 years have done so at a discounted value. Doesn’t that nicely fit what Warren Buffett and Charlie Munger want? Isn’t that what investors who follow Buffett call an undervalued acquisition?

 

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By suppressing the positive truth about manufactured housing, in direct and indirect ways, the powers that be in MHVille – exemplified, but not limited to, Omaha and Knoxville metro based firms – have turned the Arlington based MHI into a tool for consolidation that can readily escape normal regulatory scrutiny. It’s a slow-motion scheme. MHI appears to do what associations do.  But they don’t make significant progress. It is a model predicated on the industry underperforming.

Does anyone but this author think so? Yes, and we’ve cited examples. Recent ones are Frank Rolfe and Dave Reynolds, who de facto doubled down on Frank Rolfe’s quote above. See the new report, linked below.

 

Frank Rolfe, Dave Reynolds, Both Finger Manufactured Housing Institute (MHI) Failures, in Writing, Again

 

Or Neal Haney, who as previously was noted, led numbers of this colleagues out of MHI, saying that they failed to represent their interests.

Or Bob Crawford, who on stage and in an entirely unplanned, explained to dozens of industry professionals why MHI was at best a 5 out of 10 in performance. Where so come from, that earns you an “F,” a failing grade.  Keep in mind, this is a flashback to near the end of the Obama administration era.

 

 

Mark Weiss, JD, is the President and CEO of the Manufactured Housing Association for Regulatory Reform (MHARR). He aptly called what MHI does the “Illusion of Motion.”

 

Former MHI member and award winner Marty Lavin, JD, may have shrewdly understood this well before others did. For years, he said in writing or in meetings, the following.

 

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More recently, the observant Lavin said the next potent quote.

 

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Does Secretary Carson get all of this? I can’t say, because I don’t know him personally. I do know that HUD’s press office has arguably done all that they can to keep me and our publication away from Secretary Carson. Specifically, let me point the finger at HUD’s Brian Sullivan, who is either de facto working for MHI, or for some other reason fails to do what is in HUD’s – and Dr. Carson’s – and the Trump Administration’s goals of saving taxpayer dollars best interests.  There is no logical reason that Sullivan would have, since we have be consistent public supporters of Secretary Carson since he was first nominated.

No one in MHVille could give Secretary Carson a better chance to talk directly to the largest audience of industry’s professionals of all sizes than this author and our digital trade media platforms. Furthermore, on MHLivingNews, Carson could be reaching current and potential manufactured home owners. That’s what Carson says he wants.  So, if Sullivan is smart, he knows these things.

So why has Sullivan foiled every effort to date to make that happen? We’ll let that question hang, perhaps Mr. Sullivan will tell us, but what he’s said to date is intellectual mush.

One doesn’t have to believe in a grand conspiracy to recognize that people in the public sector may someday want to work in the private sector. Who better to work for later in life than a Berkshire Hathaway brand?

Further, former Office of Manufactured Housing Program (OMHP) Pam Danner, JD, was an Obama era appointee, with similar political views as the former 44th president.  Secretary Carson said that the regulations he reviewed were “ridiculous” in Senate testimony in 2018, and praised the evolution of manufactured homes as “amazing.” That was an indirect way of scolding Danner’s leadership.

 

 

 

Danner, per our sources, was inserted into her role at HUD by allies of the Berkshire brands.

What a growing number of professionals and legislators realize is the following.

 

  • The power to tax is the power to destroy. The more complex the tax laws, the better for big businesses. The more complex the tax laws, the harder it is on small businesses.
  • The power to regulate is the power to destroy. It’s another point that controversial MHI members Frank and Dave made just days ago. It’s a point we’ve made for years.
  • Cut businesses of from capital and financing, and you limit or kill businesses off. Combined with the second bullet above, if you get industry members to fight no-win battles like the now dead Preserving Access to Manufactured Housing Act – which Frank Rolfe said his congressman told him was a waste of time in the Inside MH video posted above – and you will over time cause some to quit, sell out, or close up entirely. All of those are useful for a stealth monopolist. This writer recently referred to that tactic as the classic boxer’s “Rope-a-Dope” tactic, and I confess that I fell for it for a time too.
  • Evidence exists that that Berkshire, Clayton Homes, 21st did cut off lending. Neither of those brands, nor MHI, have yet to debunk – or even try – the documents, direct quotes, video and related evidence that in 2009 a blatant ‘smoking gun’ style antitrust action occurred during the aftermath of the financial crisis. We use the word alleged, because that’s what’s proper. But antitrust attorneys we’ve shown this to that’s looked carefully has said there looks to be a reasonable case, learn that at the link here.
  • Last for now, but not least, Buffett’s money has been used to fund both sides of several fights, and it has routinely been MHI that ‘loses’ in the battles. We’ve followed the ‘dark money’ trail, see that linked below.

 

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

 

So with that series of examples of how to weaponize an industry, why would it be a surprise if the revolving door between government and the private sector – as well documented as that is – has also been used by the big boys of MHVille? Again, HUD’s Sullivan will be invited to reply.

But he – and perhaps HUD’s Teresa Payne, both of whom are nice people – are arguably sandbagging Secretary Carson from achieving what he claims to want to do.  The arguable alternative is that Carson is doing an elaborate head fake, and Sullivan and Payne are covering for their boss.  I’m not buying that, but time will tell.

Manufactured housing is underperforming. That harms most, save a few consolidators.

Let me hit one more note we’ve not hit before.  There are companies that may disagree with Berkshire, with Warren Buffett, or with their politics. They may go along out of fear of retaliation, because our industry readers know the purported attempts by those in league with the Omaha-Knoxville-Arlington axis to punish those who would publicly oppose them.

But some could stand up and fight, but don’t. They currently have enough capital, enough power to resist. But they don’t. Why?

Because they are willing to allow the Berkshire brands to consolidate the industry, thinking that it helps them in an indirect fashion. Ouch, but I’ve heard that with my own ears from sources who know and are doing that very thing.

And Buffet and Munger don’t even need to know the vast majority of the people being impacted, so long as their minions in Knoxville and beyond are putting the principles of their strategic Moat is being put to work.

 

UnderstandingWarrenBuffettCastleMoatMetaphorsQuotesMastheadManufacturedHousingIndustryAnalysisMHProNews-519x768

 

 

Why We Believe Carson’s at Least Partially in the Dark…

Enhanced Preemption is a provision of the Manufactured Housing Improvement Act of 2000. As the name implies, it gives HUD Code manufactured homes preemption from a host of local or state regulatory mandates. It is in principle part of how the HUD Code saves a builder money, which in turn saves a home buyer money.

MHI mentions “enhanced preemption” not at all in their website. Why not?

 

ManufacturedHousingInstituteLogoMHILogoEnhancedPreemption2019-06-04_1248

 

By contrast, you’d find over a dozen articles on MHARR’s website about enhanced preemption.  MHI has been online about 10x longer than MHARR.  How to explain this disparity?  Note that MHI rebuilt its website about 3 years ago, and topics that may have existed before, could have been purged at that time.

 

EnhancedPreemptionManufacturedHousingAssociationForRegulatoryReformLogoMastheadMHProNews2019-06-04_1607

 

What we’ve not seen any evidence that Secretary Carson is aware of the notion of “Enhanced Preemption.”

 

HUDSecretaryBenCarsonEnhancedPreemptionManufacturedHomesMastheadblog

 

On MHProNews and MHLivingNews, we’ve spotlighted “enhanced preemption” for years. We put it into our federal comments letters too. It is my understanding that MHARR has done so too.  Videos like the one below touches on the topic.

 

 

So when MHI shows all of these photo ops with HUD’s Brian Montgomery, HUD Secretary Carson, or others, do their meeting minutes reflect that they’ve raised the issue with HUD?  Because if so, in a snap, perhaps the single biggest challenge to sales growth would be remedied.

There is no need to pass a new law, when good existing laws are going unfulfilled.  The same is true on the Duty to Serve. MHI has promoted the Clayton-backed ‘new class’ of homes, but has not pushed for full implementation of the Duty to Serve (DTS) by the Government Sponsored Enterprises (GSEs) on all HUD Code manufactured homes.

There is no longer any rationale that the GSEs can use to avoid the implementation of DTS.  Why?  Because Triad Financial, Credit Human, 21st Mortgage, Vanderbilt Mortgage and Finance (VMF) have proven for years that they can do substantiable lending. Furthermore, the FHFA and NAR research that both say that manufactured homes can and do appreciate should be all the reasons needed for the GSEs to do what the Housing and Economic Recovery Act (HERA 2008) requires.

But that would cost Berkshire Hathaway profits. Who says?  Then MHI Chairman and 21st Mortgage Corp – a Berkshire brand – Tim Williams did, in a meeting in San Antonio Texas to a few dozen people, with me in the room.

Not all, but many roads that explain MHI’s odd behavior go back to Omaha and Knoxville.  But what seems ever more apparent is that MHI is – as Marty Lavin said – there for the big boys.  By keeping the industry small now, once the big boys consolidated as much as they think they can get away with, watch as they magically take their foot off an invisible brake pedal.  Berkshire’s coffers will open.  A real marketing and educational campaign will suddenly come to life.  Berkshire Hathaway’s “BH Media Group” will likely suddenly start educating the public.

There is no way that Berkshire can logically argue that they are doing their best to grow the industry.  The evidence to the contrary is stark, and growing.

In the Inside MH video above, Dye specifically says that Secretary Carson should enforce enhanced preemption. The award-winning Dye does more, like explain that there are entry level manufactured homes, and residential style manufactured homes. Both types must meet all HUD Code standards, and thus both serve consumers in very necessary and valuable ways. Dye also says that over half his customers previously owned a conventional site-built house, before buying a manufactured home.

President Donald J. Trump and Vice President Mike Pence have both said they want to enforce the law. Secretary Carson has said similarly.

But Carson if doesn’t know the law on enhanced preemption exists, how can they enforce it?  I don’t think Brian Montgomery – an establishment guy that MHI touted and was there at HUD previously for years – can make the same claim, but let’s hold that issue for another time.

The beauty of enhanced preemption is that all those local zoning and placement barriers that Secretary Carson has spoken of at times would vaporize if federal enhanced preemption were enforced.

The affordable housing crisis could be largely solved within a decade, perhaps less, largely be free enterprise. HUD’s budget could be cut without harming people, because the need for subsidized housing would shrink naturally.

That might upset for a time the apple carts of thousands of investors in rentals. But it would balance out and could bring ‘the rent is too damn high’ complaints to a halt. Because Secretary Carson is correct, the problem is one of supply and demand.  Insufficient supply is fueling ever higher housing costs. The solution is more supply, which factory-building alone can rapidly meet.

Manufactured housing is valuable to individuals, to investors, and to society. It should be respected and encouraged as Secretary Carson is trying to do.

 

 

But wittingly or not, Dr. Carson has unmasked the most logical explanations for why the industry is underperforming. MHI are not doing their claimed job.  That opens up several legal issues, which is explored in part in the linked report above.

 

HUDSecretaryBenCarsonSpeechManufacturedHomesManufacturedHousingActiveIngredientMedicationStrongerAmericaMHLivingNewsMastheadMHProNews

Secretary Carson’s full address in New Orleans on May 7, 2019, and other bi-partisan praise for the industry, are found at the link here.  If you’ve not already done so, why not read it.  Then ask yourself, why wouldn’t MHI want this full speech on their website? https://www.manufacturedhomelivingnews.com/hud-secretary-ben-carson-speech-on-manufactured-homes-manufactured-housingactive-ingredientmedicationfor-a-stronger-america/

 

Carson Opportunity Zones and Affordable Housing

Secretary Carson is also the head of the president’s “Opportunity Zones” initiative. A proper implementation of existing laws, noted herein above, combined with the opportunity zones, could fuel a growth of trillions of dollars in GDP, per third-party research.

 

 

That kind of economic growth would raise wages even more than they’ve been doing in the last 2 years.  More home ownership would ease income inequality, which is a hot-button issue.

 

 

Secretary Carson – if he properly and fully implements the law – may hold the keys to a Trump Administration second term, or not.

Finally, he’s made a good start by just striving to educate the public.  But the next step is to enforce the law, and to ask DOJ and others to investigate MHI, the Berkshire brands and others who purportedly have violated several laws in the scheme outlined above.

Unlike UFOs, the truth here isn’t elusive.  The truth is hiding in plain sight. One must peel back years of BS to get to it, but Terry Decio’s and thousands of other industry professionals frustrations are solved by simply telling the truth and enforcing existing laws.

As a multiple year MHI former member, I watched from the inside how smoothly common sense was sidelined in favor of esoteric and ineffective often efforts. This writer was praised for years, until we raised too many questions, like about Pam Danner. It was after that San Antonio meeting, after asking about Pam Danner, and questions like those noted herein, that the powers that be that once praised us, turned on us, and booted me out.  Fine.

After some 7 years of slow progress I saw all I needed to, thank you very much.  We still have sources that tell us much of what is necessary to out what is either incompetence, or a hidden agenda.

 

ManufacturedHousingInstituteLogoMHILogoNewClassofHomesMHIMediaClaimsMastheadMHProNews

 

Oddly, instead of MHI hiring an outside attorney:

  • to push cities and local jurisdictions to fully implement enhanced preemption,
  • or hire a lobbyist that does nothing more than get FHFA, the GSEs to do the Duty to Serve properly,
  • or have that same lobbyist do nothing more push HUD to enforce “enhanced preemption,”
  • MHI instead hired an attorney to threaten this writer and our publication, apparently unhappy with our fact checks and related – and they specifically mentioned an earlier graphic like the one immediately above, that they complained about our using properly cited under fair use guidelines for media.

We called their outside counsel’s bluff.  It’s just one of several such messages from MHI over the years.  But that’s just one of other such items that MHI has arguably been involved with aimed at a pro-growth trade media.  Where is the logic?  Why not use that money instead for doing the job they claim to do?

 

Lanham Act, Monopolistic Housing Institute, err, Manufactured Housing Institute, Legal Bullies, and You

 

And our agenda at MHI was simple.  Ethical, sustainable growth, that is good for consumers, independents, and all.

 

TimWilliams21stMortgagePublicationDailyBusinessNewsMHProNewsMHLivingNews1

 

They praised that, until they didn’t.

 

AnnParmanVPManufacturedHousingInstituteMHILogoLATonyKovachMobileManufacturedHomeLivingNewsMastheadblogMHProNews800

 

Interesting isn’t it? That’s the rest of the story.

See prior Masthead’s related to Buffett, Clayton, and the related reports below the bylines and notices for more details. “We Provide, You Decide.” © ## (Industry news, commentary, fact-checks, and analysis.) ##

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

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Related References:

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

 

Ross Kinzler Confirms Allegations, MHEC Peer Claims “Association Malpractice;” Member Backstab, MHI Failure Concerns

https://manufacturedhousingassociationregulatoryreform.org/lead-follow-or-get-out-of-the-way/

https://manufacturedhousingassociationregulatoryreform.org/hud-code-manufactured-home-production-decline-continues-may-updates/

 

https://manufacturedhousingassociationregulatoryreform.org/hud-study-analysis-of-zoning-discrimination-against-manufactured-housing-sought/

 

https://manufacturedhousingassociationregulatoryreform.org/mharr-releases-study-recommending-independent-collective-representation-for-post-production-sector/

https://manufacturedhousingassociationregulatoryreform.org/independent-national-manufactured-housing-post-production-association-takes-major-step/

 

 

 

 

 

 

 

The Two Gardens, America, and Manufactured Housing

April 19th, 2019 No comments

TheTwoGardensAmericaAndManufacturedHousingMastheadMHProNews
Most of human history is a story of the struggle for authentic freedom against various forms of limitations, captivity, or enslavement.

 

Much of history is the hidden or open battle between the truth and a captivating lie.

People are often offended when lied to, and for good reason.  Perjury is a crime in a court of law, also for a proper cause. Betrayals routinely begin with a sweet sounding, or even seductive, lie.

 

 

The First Lies and Temptations

In the ancient book of Genesis, after creating the universe, the earth, all creatures, and then finally humanity, those first two humans were placed in a garden known as Eden.

 

“15 The Lord God took the man and put him in the Garden of Eden to work it and take care of it. 16 And the Lord God commanded the man, “You are free to eat from any tree in the garden; 17 but you must not eat from the tree of the knowledge of good and evil, for when you eat from it you will certainly die.”

 

18 The Lord God said, “It is not good for the man to be alone. I will make a helper suitable for him.” (Genesis 2, NIV, Bible Gateway).”

 

But jump back a few verses.

“8 Now the Lord God had planted a garden in the east, in Eden; and there he put the man he had formed. 9 The Lord God made all kinds of trees grow out of the ground—trees that were pleasing to the eye and good for food. In the middle of the garden were the tree of life and the tree of the knowledge of good and evil.

10 A river watering the garden flowed from Eden; from there it was separated into four headwaters. 11 The name of the first is the Pishon; it winds through the entire land of Havilah, where there is gold. 12 (The gold of that land is good; aromatic resin[d] and onyx are also there.)” (Genesis 2, NIV, Bible Gateway).”

 

Keep in mind that in ancient times, there were no chapters, verses, or punctuation marks in scriptural texts. Those are latter editions designed to make references to a passage easier for a reader.

Also recall that the original biblical ‘books’ were scrolls written on parchment. 📜 Discoveries like the scrolls of Qumran are among the most ancient and most carefully preserved writings in human history. A comparison between our modern biblical texts and those ancient fragments reveals an astonishing accuracy.

Why?

Believers that lived thousands of years ago, before smart phones or electronic tablets, were careful to preserve what they believed to be the inspired word of God. They may well have carefully written and copied – millennia before Gutenberg’s printing press – what they sincerely believed was God’s eternal words to humanity.

You don’t mess with the words of the Creator, even if you don’t fully grasp their meaning. But let’s flash back to that account from Genesis about the garden in Eden.

 

20 So the man gave names to all the livestock, the birds in the sky and all the wild animals.

But for Adam[f] no suitable helper was found. 21 So the Lord God caused the man to fall into a deep sleep; and while he was sleeping, he took one of the man’s ribs[g] and then closed up the place with flesh. 22 Then the Lord God made a woman from the rib[h] he had taken out of the man, and he brought her to the man.

23 The man said,

“This is now bone of my bones

    and flesh of my flesh;

she shall be called ‘woman,’

    for she was taken out of man.”

24 That is why a man leaves his father and mother and is united to his wife, and they become one flesh.

25 Adam and his wife were both naked, and they felt no shame.”

 

Of course, there was ‘no shame.’ There were no lies yet, no disobedience to God yet, and no sin yet.

Shame is a consequence. It is an embarrassment or recognition of some evil, however big or small.

Once more, the chapter or verse numbers and the words the phrase, “The Fall” would not have been in the original ancient texts. The term “the fall” means the fall from humanity’s original state of grace into ‘sin.’ Sin may simply be defined as ‘disobedience to the will of God.’  Now, jump back to Genesis, the names of the first book of the Hebrew and Christian scriptures.

 

 

The Fall

“3 Now the serpent was more crafty than any of the wild animals the Lord God had made. He said to the woman, “Did God really say, ‘You must not eat from any tree in the garden’?

The woman said to the serpent, “We may eat fruit from the trees in the garden, 3 but God did say, ‘You must not eat fruit from the tree that is in the middle of the garden, and you must not touch it, or you will die.’” 

“You will not certainly die,” the serpent said to the woman. 5 “For God knows that when you eat from it your eyes will be opened, and you will be like God, knowing good and evil.”

When the woman saw that the fruit of the tree was good for food and pleasing to the eye, and also desirable for gaining wisdom, she took some and ate it. She also gave some to her husband, who was with her, and he ate it. 7 Then the eyes of both of them were opened, and they realized they were naked; so they sewed fig leaves together and made coverings for themselves.”

Then the man and his wife heard the sound of the Lord God as he was walking in the garden in the cool of the day, and they hid from the Lord God among the trees of the garden. 9 But the Lord God called to the man, “Where are you?”

10 He answered, “I heard you in the garden, and I was afraid because I was naked; so I hid.”

11 And he said, “Who told you that you were naked? Have you eaten from the tree that I commanded you not to eat from?”

12 The man said, “The woman you put here with me—she gave me some fruit from the tree, and I ate it.” 

13 Then the Lord God said to the woman, “What is this you have done?”

The woman said, “The serpent deceived me, and I ate.”

14 So the Lord God said to the serpent, “Because you have done this,

“Cursed are you above all livestock

    and all wild animals!

You will crawl on your belly

    and you will eat dust

    all the days of your life.

15 

And I will put enmity

    between you and the woman,

    and between your offspring[i] and hers;

he will crush[j] your head,

    and you will strike his heel.”

 

All temptations follow that same pattern. Before we do something that we suspect or know is wrong, there is a period – however brief or long – that the soul wrestles with the reasons to do or not to do what the temptation involves.  People rationalize, and finally justify their decision to do what they suspect or know ought not to be one.

Let’s step back and understand that the Creator gave Adam and Eve Free will. They were given the freedom to choose between right or wrong. A world without sin would look like robots. One might say, God created a moral universe. That said, why is there evil in the world? Because of bad choices. Because of temptations – which are not yet sinful – and the succumbing to that temptation, which is the point of disobedience to God’s will.

Why does God’s will matter?

Because the Creator of all things and people made everything good, and out of pure love. The Creator’s will is for our good. Think of God as the perfect parent, who never loses patience, who may be described as ‘angry’ (disappointed over a bad decision) – but that’s a human term. God is changeless. He isn’t moody. Properly understood, God never stops loving us purely, but the Creator also never stops willing the perfect good of all. He doesn’t will only the good of a few. God doesn’t will merely the good of most. Rather, God wills the good of all humanity.

Recall, God has and had no need for the universe. As perfect, pure, eternal existence, God needed nothing. So why create?  That is a kind of gift to share existence with mortals like you and me.

God is timeless, perfect in understanding, knowledge, power.  None of us can manipulate or outsmart God. For God, yesteryear or a million years from now are all the same. As the short music video posted on the page from the linked text-image box below aptly says in the title, God sees all.  Hiding from God is an ironic joke, because it can’t be done.

 

The God Who Sees, Kathie Lee Gifford & Nicole C. Mullen Inspirational Music Video

 

 

Angels and Devils

Before creating humanity, God created angels. They are creatures higher than us humans. They are pure spirits, without bodies, but may from time to time take on a visible form.

Scripture says that about a third of the angels rebelled, led by the devil known as Satan or Lucifer. The fall of those angels into sin occurred before the fall of humanity into sin. Devils – fallen angels – chose their state for all time.

Unlike we mortals, the angels – whose understanding and minds are higher than our own – make one choice for all eternity. Most angels opted to love and serve God by serving the yet to be created human race. But numbers of those formless creatures followed the ancient traditional cry of the rebel, Satan, “Non serviam!” In English, “I will not serve [implied: God or man]!”

Let’s hop back to the beginning, back to Genesis 1.1 and following.

 

The Beginning

1 In the beginning God created the heavens and the earth. 2 Now the earth was formless and empty, darkness was over the surface of the deep, and the Spirit of God was hovering over the waters.”

 

The waters and some of the terminology used may be literal, and/or figurative or a metaphor.

Let’s skip to the creation of humanity, starting after the last part of Genesis verse 25, where the Creator deemed all that the universe God had made, good.

 

“…And God saw that it was good.

26 Then God said, “Let us make mankind in our image, in our likeness, so that they may rule over the fish in the sea and the birds in the sky, over the livestock and all the wild animals, a and over all the creatures that move along the ground.”

27 So God created mankind in his own image,

in the image of God he created them;

male and female he created them.

28 God blessed them and said to them, “Be fruitful and increase in number; fill the earth and subdue it.”

 

In what sense did God make man in His own image and likeness? Once conceived, a human soul never dies. The soul is eternal, but the body the soul inhabits dies because of that fall from that original state of perfect grace the first parents had. If Adam and Eve had never sin, their bodies would have never died.

Why are we today born into a fallen state instead of a state of perfect grace?  Because had we been one of those first parents, had we been Adam or Eve, we too would have been tempted in much the same way as they were. God’s perfectly fair.

So that original rebel, that devil who took the form of a snake or serpent in Eden, tempted man and woman with something they already had. God made the first couple divine like, in the sense that the Creator made humans good and with eternal souls.

It’s like Satan tricked Adam and Eve into doing something for the sake of a desire that they ironically already possessed. What was so different about that particular piece of fruit of that one tree?  We can shake our heads, but we have done similarly ourselves. It goes beyond the scope of this column, but every temptation is in that sense the same. As eternal souls that live on after the physical body dies, any merely human temptation is selling out a higher good we already have a claim to in exchange for a lesser desire.

Each sin, properly understood, is a tempting but bad deal.

So, in a parental sense, via our first parents, we were there in Eden. We – through those first parents – made that fall from perfection into sin. Certainly, we each make to various degrees make similarly bad choices, day by day.

God didn’t make us all alike, as a look around at other reveals. Even twins or triplets differ in talents or interests. Yet a perfect and wise Creator does nothing that is unfair, we might not understand it at the time, but God makes no mistakes.

 

 

Another Garden

Thousands of years after Eden, let’s jump into and observe the events in the Garden of Gethsemane. That is where Judas Iscariot carried out the betrayal of Jesus that he had already decided to do when Judas bargained to get 30 pieces of silver to betray Jesus.

Imagine. Judas had walked, ate, listened to and talked with Jesus. Judas had witnessed firsthand the miracles, including Jesus raising Lazarus from the dead. And that same Judas sold Jesus out for 30 pieces of silver? The worst bad bargain of all time.

Let’s not be too harsh in judging the traitor Judas. That could have been you or me. Every time we opt for a lower desire instead of for a higher good, we’ve done something similar.

Judas betrayed Jesus like this.  From Matthew chapter 26:

 

“47 While He was still speaking, Judas, one of the Twelve, suddenly arrived. A large mob, with swords and clubs, was with him from the chief priests and elders of the people. 48 His betrayer had given them a sign: “The One I kiss, He’s the One; arrest Him!” 49 So he went right up to Jesus and said, “Greetings, Rabbi!” and kissed Him.

50 “Friend,” Jesus asked him, “why have you come?”[a]

Then they came up, took hold of Jesus, and arrested Him.”

 

When you, I, or others are betrayed, it is often with a similar pattern. Some betrayals begin behind your back, out of sight, much like Judas plotted to betray Jesus out of sight. But then the plotters may act face-to-face. That can include nice sounding words, or even acts of faked friendship. In parts of the world – including the Middle East – it is not uncommon for men to kiss each other on the cheek, as a particularly friendly greeting. It’s the kind of sign a father and son might share in kissing each other on the cheek.

 

 

Jesus’ Betrayal and Our Own

To atone for the evil of sin, a perfect man had to make amends. Jesus, says Scripture, did no evil did, ever.  God, says Christian faith, took the form of an actual man to atone for the sins of humanity. God allowed Himself in the person of Jesus to live, work, be tempted, suffer and die an unjust death. The goal was not so that people would keep on sinning.  The woman caught in adultery that Jesus showed mercy to was admonished to ‘go and sin no more.’

No number or volumes of merely human laws can make this world perfect. That’s a fool’s errand. The Creator gave humanity’s first parents only one prohibition, ‘don’t eat of the fruit of that one tree.’ Adam and Eve fell into the slick temptation of the devil to do just that one thing. To eat of the proverbial forbidden fruit.

Jesus did more than just atone for sin, or more than perform miracles to reveal Who He Is. Jesus practiced what He preached. He gave us lived examples to follow. We can identify with Jesus, and those with Him.

So, your gifts or talents are different than mine, or my wife or son’s.  We may co-exist at this time with the foreknowledge of timeless God. We can learn what the Creator sought to teach, or we can ignore it as Judas did.

Starting with the story of Adam and Eve in the Garden of Eden, to that Garden of Gethsemane, humanity has struggled to keep the Ten Commandments that God gave Israel at the foot of Mount Sinai after the Exodus out of Egypt in search of the Promised Land.

Tonight, starts the Jewish feast of the Passover. That’s tied to the freeing of the Israelites from the slavery and oppression of the ancient Egyptians.  The forms of slavery may have changed, but there is slavery now, and slavery then.  Addiction, debt, or anything that has an improper control over you is a kind of enslavement.

The events of Holy Week, starting with the Last Supper on Holy Thursday are intertwined with Passover and the subsequent Exodus.

 

 

False Promises

All sin is a betrayal, and every sin is based upon a fake promise of getting something we ought not have at that moment in time. Perhaps that desire is okay, later in life, when done honesty vs. dishonestly. With God the answer to a prayer is always in three forms, it is now, later, or never. What God doesn’t give you now is rationally for your own good. Nor should we pray for what we know to be forbidden.

The Ten Commandments – properly understood – are the most perfect laws possible. Those ten Jesus simplified into two. Those two? Love God with all your mind, strength, and heart, and then love your fellow human – your neighbor – as should love yourself.

There are different ways those ten commands are numbered, but they all cover the same ground.

Note that Jesus was a tekton – a craftsman who commonly used stone and wood. Jesus was a builder.  Our industry should identify with and look to Jesus.

Our nation, our industry, both need rebuilding. We personally need a transformation too. My shortcomings are similar but different than yours. But we all have them, to various degrees.  That’s why a degree of mutual understanding and forgiveness is merited, while at the same time giving no quarter to the deliberate and repeated acts of those who seek to defraud, harm, murder, rape, or steal.

Here on MHProNews we rail against deception and manipulation, be that political or in business. They are contrary to the divine will, as are any violation of the Ten Commandments.

A well-known personality in our industry claimed in a video interview to be an atheist. He’s given free will. He can’t be forced to believe. But my hunch is that soul – as intelligent as he is – knows that God exists. The Big Bang might have been the moment when time began, but where did that matter, and explosion come from in the first place? Logically, from the Creator of all things, Who could well have used a Big Bang to start it all off with.

Genesis says that in the beginning, God created the heavens and the earth.

Once more, at Genesis 3:15, we read – with brackets added by this writer this time for clarity – the following.

 

And I [God, the Creator of all] will put enmity

between you [the serpent, the devil] and the woman,

and between your offspring [those who follow the path of evil] and hers [those who seek to follow the path of good];

he [the Savior, the Messiah] will crush your [the devil’s] head,

and you [the devil, those who follow the devil] will strike his [The Savior, the Messiah’s] heel.”

 

Trying to beat God is like nipping at the Creator’s heal. Pointless.

There was a first Adam, and a first Eve. There is a new Adam, and a new Eve. The children of humanity follow the path of evil or good. We slip, we fall. Ideally, we get up, dust ourselves clean, and start again.

Deliberate lies and deception often aim to deprive someone by trickery out of something that is their right. That’s why there are commandments in the first place, to give order and justice in a society that has deliberately bad actors.

The lies of today dimly reflect the betrayal observed in that second garden, when Judas knowingly sold out Jesus for thirty pieces of silver. Those big boys who sell out others today do so for the sake of billions, not just a few coins.  But in the end, will it be worth it?

Our bodies die, but the soul lives on. This life is temporary, but eternity means endless time.  Why do some get tempted for what is a perceived temporary gain, to risk dying and falling into a pit of endless suffering?

The reason that biblical accounts – properly understood – have timeless value is because people keep doing the same things. It’s the struggle for human freedom. At its core, it can only truly occur in unity with the Divine truths and paths that a loving Creator has set forth for us.

It can be argued that most people want to earn their keep in a honest way.  But some do so like the proverbial snake oil salesman, through cunning, deception, manipulation, and lies.  There is always hope for redemption.  But the wise don’t keep falling for the same old snake-like lies.  Faith isn’t timid, it is for those made strong by the wisdom and courage that comes with faith in a God who Saves.  That’s what Jeshua – Jesus – means. God saves. But that freedom from slavery occurs in the context of the mystery of humanity’s free will.

That’s why this terrible Friday is oddly called “good.” Humanity is given a sure path to be freed from slavery to sin. That’s why Passover the Exodus and Good Friday are intertwined. Thank God, it’s Friday. “We Provide, You Decide.” © ## (News, commentary, analysis.)

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

LATonyKovachQuoteManufacturedHousingIndustryWontReachPotentialAddresscoreIssuesArtificallyholdingitback466By L.A. “Tony” Kovach – for MHProNews.com.

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

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

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Start of Passover for Jews, Good Friday for Christians 2019

The Blind Leading vs. Truth Telling, Life of Jesus Video

 

 

 

 

 

Cui Bono? “Killing Me Softly,” Manufactured Housing’s New Theme Song?

April 4th, 2019 No comments

 

CuiBonoKillingMeSoftlyManufacturedHousingNewThemeSongClaytonHomesBerkshireHathaway#MHIUpdateMastheadMHProNews

Whitney Houston died a tragic death. She began her career in Gospel. It was Roberta Flack’s, not Houston’s song, but one might suspect that near the end of her dramatic life, the lyrics “killing me softly with his song” were perhaps filled with deep meaning for Whitney.

 

11,582,041 YouTube views – published Mar 16, 2016.

When a company is a subsidiary of the Berkshire Hathaway conglomerate, there is not much they are unable to afford, so long as it makes good business sense.

Need great marketing? Berkshire can provide the capital needed. Research? Warren Buffett led Berkshire has personal connections with the Urban Institute, along with other nonprofits. What they may not want to pay for directly – for whatever reason – they can hire done in the way of consumer or other research.

One could go on, but the point is simple.

 

During well-documented affordable housing crisis in the U.S., how is it possible that the most proven solution known in the U.S. is languishing? How is it that Buffett and Berkshire would allow Clayton Homes to be in the manufactured home industry that 2 decades ago was doing 4 times the level of sales that it is today?  How is it possible that once more, for the last 6 months, the industry’s sales are shrinking during an affordable housing crisis?

 

 

The Investigators Question – Cui Bono?

The Latin phrase ‘cui bono‘ is a question that means, ‘who stands or stood to benefit?’ If one is looking for a criminal or a motive for an action, the question cui bono – who benefited – helps narrow down the suspects.

Clayton Homes and their allies demonstrably dominate the Manufactured Housing Institute (MHI). They and a handful are what MHI award winner Marty Lavin, JD, called big boy” firms that arguably rule the Arlington, VA based MHI roost.

The latest new manufactured home production and shipments data is out for February 2019. It’s sobering. Yet, when MHI put out its latest missive to their members yesterday, there was no mention of the roughly half-year downturn in production and shipments of new HUD Code manufactured homes.

Instead, in an “MHI Update” there is blather about other topics, including the theme for their upcoming Congress and Expo, “Let’s Keep Building.”

The irony and hypocrisy are so thick, a good steak knife and fork are needed. But it’s part of their purported M.O., to borrow from the song lyrics, of “killing me [or thee] softly.” Happy. Upbeat. All is well. New research…

If MHI is doing it, then the big boys must want it done that way, right?

Please try to explain the logic of allowing federally regulated HUD Code manufactured homes to languish during an affordable housing crisis? Who benefits? How did or do they benefit?

The answer we’ve logically deduced at MHProNews is as sobering as the latest shrinking production data.

For newcomers, Berkshire is based in Omaha, Clayton and their affiliated lenders are in metro Knoxville, and we’ve noted earlier that MHI’s office is in Arlington, VA.

 

That said, as was noted in Soheyla’s market report feature on 4.3.2019, the question was asked. How does one of explain the manufactured home industry’s poor performance since 2003?

 

SoheylaKovachMD-MHProNewsMHLivingNews“There are only a few possible logical options.

 

  • The Omaha-Knoxville-Arlington (OKA) axis and their allies are incompetent. They don’t know how to sell affordable manufactured homes during an affordable housing crisis.
  • The OKA axis are posturing efforts to address concerns that for whatever reasons are not working. This is what MHARR called the “Illusion of Motion.”
  • The Omaha-Knoxville-Arlington axis have a plan, and they are acting upon it. That plan does not short term include short term steps that will fix the headwinds that are buffeting manufactured housing.”

  

We respect the intelligence of Kevin Clayton, Tim Williams, Tom Hodges, Rick Robinson, and others in the mix noted above. They are smart, successful professionals. So, one may logically deduce that the OKA axis must for some reason want or accepts these historically low levels of production and sales.

If so, why? Cui bono? Who benefits from it?

The logical answer is stark. Let’s sum up to this point. If one agrees that these are intelligent, capable people, here’s what one comes to conclude. There is some arguable benefit to those who want to consolidate pieces of the industry slowly at a bargain price. Whenever the powers that be are ready to take the foot off the brake pedal, the manufactured home industry will roar back to life. The value of their assets’ that were acquired at a bargain rate will then soar.

We’ve provided several opportunities for Kevin, Tim, Tom, Rick, Lesli, Dick, and others to publicly refute these contentions and concerns. We did so as recently as last week in Tunica, where they and/or their attorneys could have attempted to explain away the following. We invited them to give their version of the impact of what Berkshire Hathaway brand records and video linked below described.  Click on the linked text-image box for the details and ‘smoking gun’ evidence.

 

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

 

The reply from the fine folks in Knoxville and Arlington was silence.

Let me confess that some of what we do is arguably unorthodox. For instance, I documented those outreaches to Kevin and his crew with bcc’s to individuals who are in the industry, to federal or other legal officials, and to MHI members and non-members. We’ve advised MHI’s outside counsel, who had previously informed us that he is assigned to monitor moi and our publications.

Put differently, they can’t deny that we’ve given them every opportunity to clear up any misunderstandings. If there is an alternative reading of these linked facts, or others like it, they remain mute. Keep in mind, until 2 years ago, they routinely replied promptly. But now, they rest instead on their 5th Amendment protected right to remain silent.

We respect that right, along with the others protected by the U. S. Constitution.

They’ve made the claim for years that MHI represents ‘all segments of factory-built housing.’ If so, they are failing. If they don’t change behavior, it implies they are either insane – or they must want this outcome of declining sales –  for whatever reasons.  The opportunities for HUD Code manufactured homes are amazing, but the performance doesn’t rise to the level of tepid, based on current and historic trends.  In a U.S. market that did $1.6 trillion dollars in new and existing housing sales in 2018, manufactured housing couldn’t crack $8 billion?  Consider the facts and pull quotes.

 

2018DataShareofHousingMarketManufacturedHousingInfographicDailyBusinessNewsMHProNews612

 

Meanwhile, as the industry sags, the routine of pleasant MHI and other meetings goes on. The steady drone of MHI happy talk and happy music strums on.  Cui bono?  Why not take Warren Buffett at his own words?

 

WarrenBuffettAZQuoteCriticalFactorDetermineValuePayFairBargainPriceMastheadTonyKovachMHProNews

GoodBusinessIsLikeAStrongCastleWithaDeepMoatAroundItSharksIntheMoatIwantItUntouchableWarrenBuffettQuoteMHProNews

 

If you listen to Amazon’s Alexa Fund estimate in 2018 for the potential for prefabricated housing sales in the U.S., they estimated that at some $330 billion annually.  There are several kinds of prefab housing, but manufactured homes are outselling the others.  So let’s cut that Alexa Fund estimate in half, or $165 billion.  That suggests the industry could be doing some 20x the sales volume it is currently achieving. Is that sufficient motive to manipulate a marketplace?

 

 

Whitney, you were a superstar. Will you warn the advocates for affordable housing that the powers that be, like with thee, are killing the pain of independents softly, with their song…?  “We Provide, You Decide.” © (News, analysis, and commentary.)

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

LATonyKovachQuoteManufacturedHousingIndustryWontReachPotentialAddresscoreIssuesArtificallyholdingitback466By L.A. “Tony” Kovach – for MHProNews.com.

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

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

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Related References:

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New Manufactured Home Production, Shipment Data-February 2019

 

Surprising Discovery on Manufactured Housing’s Enhanced Preemption, Hidden Gem$

MHI CEO Dick Jennison’s Pledge – 500,000 New Manufactured Home Shipments

Positive, Uplifting Third-Party Reports Favor Modern Manufactured Housing, So What’s Going Wrong?

 

“Democrats Are Sinful Hypocrites. Just Like All of Us.” Weaponizing Information, Senator Elizabeth Warren, and MHVille

Profiting & Correcting – Manufactured Housing Traps, Pitfalls and Swindles

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

 

“The Illusion of Motion Versus Real-World Challenges”

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

MHARR Urges Congress to Preserve DTS In GSE Reform Legislation DBN

 

 

 

 

 

 

 

 

 

 

 

Mobile Home Militia – “Clayton [Homes] Wants Your Cornbread Too” “Join the Revolution” – ‘You Gotta Have Swagger’

March 15th, 2019 No comments

 

MobileHomeMilitiaClaytonHomesWantsYourCornbreadTooJoinTheRevolutionGottaHaveSwaggerDailyBusinessNewsMHProNews

They are industry professionals that currently hail from primarily south-central or southern states. They may hunt, fish, go to the honky-tonk, or go four wheeling in the mud for fun.  They’re routinely patriots – people of faith, flag, and family, who love the constitution and their second amendment protected guns.

 

They sell, build pads, transport, install, and service factory-built homes.

DonnieBrewerNateDrizzleMHMMobileHomeMilitisManufacturedHomePadDailyBusinessNewsMHproNews

They are manufactured housing industry independents, but for swagger’s sake, they use the handle, “Mobile Home Militia” or #MHM.

 

MobileHomeMilitiaLoytaltyIsEverythingMastheadBlogMHProNews2019-03-15_0907

 

And if you have the courage and swagger, they want you to join their revolution. That phrase, ‘you gotta have swagger,’ comes from a thread with ties to #MHM.

ICYMI, or need a refresher, the article linked below was the runaway most read on the Daily Business News on MHProNews in February. That also means that it was the most read article in all of manufactured housing in 2.2019. It can be accessed by clicking the hot-linked text/image box below.

 

“Mobile Home Militia,” Retail/Production Sources, Sound Alarm Against Clayton Homes, CMH, New “Anti-Competitive Practices” Allegation

 

Omaha, Knoxville, and Arlington, look closely. These folks are part of your wake-up call too.

 

The following are posts mostly from Facebook, on the dates and times as shown. The connections of the various people range from the curious to the engaged, and the specifics of the connections to #MHM or the Mobile Home Militia are known to their participants.

Their posts and quotes as shown paint a picture, in the words and images of those who shared them. We put the meat of their quotes in brown and bold text, but the words are all theirs.

 

“Mobile Home Militia” #MHM and Connected Posts

Mobile Home Militia

February 27 at 4:17 PM ·

You ever had your feelings so hurt you turned down millions of dollars? Clayton just did that. They are refusing to sell TRU homes to Triple C in Conroe because he quit Clayton to become an independent. A threatening email from Clayton retail to Clayton manufacturing sealed the deal. Ask yourself this question…Could you as an independent call Clayton and get them to not sell homes to another store because the manager once worked for you? It won’t be long before Clayton wants your cornbread too.” 

#mhm

#independent

MobileHomeMilitiaEverHadFeelingsHurtTurndDownMIllionsDollarsClaytonDidThatDailyBusinessNewsMHproNews2019-03-15_0848

 

Not unlike their warning to their followers about what they allege occurred between Clayton Homes, Heath Jenkins and Regional Enterprises, they are raising possible antitrust issues.

MobileHomeMilitiaFBMastheadBlogMHProNewsMobile Home Militia

February 1 ·

It’s not just a T-shirt to us. Yesterday Clayton met with Heath Jenkins of Regional enterprises and informed him they would no longer be paying him rebate (essentially cutting them off without having to repurchase) Regional purchased $40m from Clayton in 2018, making Heath their largest retailer. Why would Clayton do something like this? Because he opened a plant and hired some of their people. If they would purposely go out and rape their largest dealer, what chance do the rest of us have? Clayton has convinced hundreds of independents they are your business partner, but make no mistake, they are your largest competitor.” 

The greatest trick the Devil ever pulled was convincing the world he didn’t exist.

 

MobileHomeMilitiaClaytonRapeTHeyAreYourLargestCompetitorDevilsGreatestTrickMessWithTrailerParkMHproNews2019-03-15_0930

MobileHomeMilitiaFBMastheadBlogMHProNewsDonnie Brewer is with Lance Inderman and 13 others.

January 26

 We have deeper pockets and we are gonna run Donnie Brewer out of town.”

– Robert Burnett and Mike Quinn of Titan Homes

First of all, I didn’t know who either of you were before someone told me, but now I do. Secondly, you don’t have deeper pockets, you are employees at a corporation and I’m sure they wouldn’t appreciate you pledging their money to “run me out of town.” Titan and Champion are too smart to employ a couple of geniuses like you two. I bet they realize it sooner rather than later. If you had first done some research, you probably would have second guessed poking the bear.”

 

MHMWeHaveDeeperPocketsAndWeAreGonnaRunDonnieBrewerOutofTownTitanSkylineChampionMHImemberManufacturedHousingInstituteMHProNews2019-03-15_0939

Titan guys poke MHM member’s bear, says the Mobile Home Miliia, and MHM pokes back. From Facebook, images shown under fair use guidelines for media.

 

 

MobileHomeMilitiaFBMastheadBlogMHProNewsMobile Home Militia

February 18 at 10:11 PM ·

What if I told you that corporate sign is an anchor?

You want to become an independent retailer? We can help.

Join the revolution!

#independent
#mhm

In Medieval Times this next post’s #worldofpain could be construed as throwing down the gauntlet. But from #MHM? Surely, they jest! Satire!

Or not…

 

MobileHomeMilitiaFBMastheadBlogMHProNewsMobile Home Militia is with Lance Inderman and Donnie Brewer.

February 15 at 9:56 PM ·

MHM VPs of public relations 

#worldofpain

 

MHMLanceDonnieBrewerDBNegotiatingDealDailyBusienssNewsMHproNews2019-03-15_0854_001

 

Or check this one out.

#MHMWalkaMiletoAvoidAfightButWhenOneStartsDontBackDownAnInchMastheadMHProNews

Get a feel for DB – Donnie Brewer.

 

DonnieBrewersHiringReceptionstBrewerQualityHomesHiringReceptoinistMHProNews

 

But this will give you a better sense of the man’s thinking when it comes to the ‘big boys’ of MHVille.

 

DonnieBrewerMobileHomeMilitiaFamilyFBMastheadBlogMHProNews

 

Donnie Brewer shared a post.

February 27 at 3:41 PM ·

And they would have gotten away with it if it wasn’t for us meddling kids!”

 

ClaytonHomesLogoDonnieBrewerWouldHaveGottenAwayWithItMastheadMHProNews

 

Can you spell, rebel with a cause?  Back to the #MHM…

 

2018ThanksForTheLessons2019LetsDoThisMobileHomeMilitia#MHMmastheadlbogMHProNews

 

Which is a good place to segue to Lance Inderman, a partner with Jessup Housing, who has his own retail centers and is an anchor in the #MHM movement. Let’s look at some of his non-manufactured housing posts, to get a sense of the man, and how that might shape his thinking in being a manufactured home independent.

 

Lance Inderman – FB

No, we didn’t cut his head off in the screen capture below. It is what it is, see the collage below from his Facebook page.

 

LanceIndermanFacebookfamilyMastheadBlogMHProNews

Lance Inderman
March 11 at 12:24 PM ·

Castro eventually made it to number seven on Forbes’ list of richest world leaders, which estimated his wealth at $900 million” — Maxim Lott

LanceIndermanFBSocialistLeadersCastroMaoStalinMastheadMHProNews

 

LanceIndermanIWillGiveUpMyGunWhenIAMalloutofAmmoandDeadVenezulaBansGunOwnershipSecurityForcesKIllHundredsFBDailyBusinessNEwsMHProNews

LanceIndermanAOCQuoteJamesWoodQuoteStudyHistoryFBDailyBusinessNewsMHproNews2019-03-15_0805

LanceIndermanFBSocialistsWanttoDisarmUsMakeUsUseTrainsNothanksIveSeenWhereThatLeadsIlKeepCarGunsMHProNews

LanceIndermanSocialistsBettreThanMeLogicComonSenseWorldHistoryFacebookDailyBusinessNewsMHProNews2019-03-15_0759

 

That paints a quick picture of Lance Inderman, with #MHM, Jessup Housing, et al. It doesn’t have to be your style or mine, but Lance’s marketing at his retail center is something like his FB persona suggests.

Like it or not, they do sell houses, which is why they have that swagger.

Short Brigadier Manufactured Home video

Longer Brigadier Manufactured Homes Video

 

These are an eclectic group. For example, there are some who sell upscale manufactured homes, while others sell entry level or ‘shade and shelter’ housing. Others sell a mix of product, from new, to FEMAs, to pre-owned, high or low priced, and so on.

But this Mobile Home Militia has declared war – or perhaps more to the point – they feel that Clayton Homes and company declared war on them first.  They are fighting back.  Stay tuned, because we will.

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

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

HistorySeriesEventsDescribingAmbitiousTriesDominateManipulateOppressOthersThatCreatesDesireAmongFreedomAmongThoseBeingManipulatedDisadvantagedControlledLATonyKovachBy L.A. “Tony” Kovach – for MHProNews.com.

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

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

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“November Rain” – DoJ’s Top Antitrust Cop – Assistant Attorney General Makan Delrahim ABA Speech on Antitrust Enforcement for Americans

Tim Williams, PBS News’ Bad Bargain, Manufactured Housing Institute, Buffett’s Mirror, and Clayton’s Costume

Minnie Driver, Millionaires, and Billionaires – Debunking “Housing for the Poor” Image of Manufactured Housing

“Tug of War” – Manufactured Home Community Legislation – “Vicious Cycle Goes On,” Impacting Industry, Home Owners, and Potential Buyers

Warren Buffet’s Quotable Quotes on Business, Institutions, Behavior, and News Reporting

 

 

 

 

 

 

 

 

 

 

 

 

 

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

February 9th, 2019 No comments

 

ConquestCapitalismThoughtsofChairmanWarrenBuffettBillionaresCampaigntoControlTrillionDollarAffordableHousngMarketDailyBusinessNewsMHProNews

 

The year was 1998. It happened to be the year that manufactured housing hit its last peak, but it was also the year that Simon Reynolds compiled and published “Thoughts of Chairman Buffett – Thirty Years of Unconventional Wisdom from the Sage of Omaha.”

 

ThoughtsofChairmanBuffettThirtyYearsUnventionalWisdomSageofOmahaSimonReynoldsDailyBusinessNewsMHProNewsUntil you turn to the back of Reynold’s book, not many pages in my copy of his thin volume are even numbered. Starting on page 141 are the following subheadings, bulleted below.  With those one can start the journey of understanding Buffett and his success formula.

 

  • Think Long Term
  • Buy Businesses You Understand

 

After the second bullet, you find this quote, “Remember his [Buffett’s]Circle of Competence theory. Step outside of it and the vultures will begin to gather. Stick to investing in industries you know something about.  When you have a feel for how the game is played, you are much more likely to score a home run…”

Later, Reynolds says this…

Part of understanding a company is understanding its management team. Are the executives competent?

Are they experienced? Or, as Buffett would say, are they fanatics?”

 

  • Don’t Overdiversify

You can’t be Bo Jackson in investing. Spread your energy and capital too many ways and you are courting disaster.”

For those who don’t know – or need a refresher on – Bo Jackson, here it is.

 

BoJacksonBaseballFootballWarrenBuffettQuoteMastheadBlogDailyBusinessNewsMHProNews

 

Disclosure

We are editorially pro-free enterprise.  But for reasons that will be understood from the research and linked reports, our publication is a Buffett critic.  Some believe he ‘saved’ manufactured housing in 2003.  Did he save this industry, or rather, did he start his conquest of it?

The evidence-to-date suggests that the third-richest man on the planet has purportedly mastered the art of the conceal with respect to manufactured housing.

After years of Buffett and industry research – plus my roughly quarter-century of direct involvement in this profession – there are many things that Buffett says that ought to be understood through these prisms.

  • What Warren Buffett said,
  • What he means.
  • The head fake.

Buffett is routinely selling. First, he is selling himself.

Then, he is selling his business and investing model.  There are plenty of takers on that, in investing, business, media, politics, and so on.

Third, Buffett is coy. Some things he says are straightforward and spot on. Other statements from Buffett have a veiled or hidden meaning. As a critic, let me note anew that with all people or organizations, the principle of ‘wheat and chaff‘ should be applied. Learn what to keep and utilize, but also learn via discernment what ought to be ignored, discarded, or understood in a different fashion than what the speaker may imply.

 

Conquest Capitalism

Let’s begin to popularize or coin a new phrase. Not crony capitalism. Not vulture capitalism. It isn’t a phrase from Reynolds’ book.

In Buffet-World, it is all about we what we are hereby going to dub “Conquest Capitalism.”

Buffett uses capital, information, headwinds, and understanding – including the essentials of human nature, and human weaknesses – to conquer.  “The Moat” is a term for the strategic principles used by Buffett in conquest capitalism. 

Conquest capitalism occurs through capital and the understanding and maneuvering of basic principles. Some of those are noted in Reynolds thin volume, like those quoted above or what follows.

Here’s a gem under the heading, “On Independence” – “You have to think for yourself. It always amazes me how high-IQ people mindlessly imitate. I never get good ideas talking to other people.” So said Buffett, claims Reynolds, citing U.S. News and World Report, June 20, 1994.

Or this “There’s something about smart people explaining ideas to an orangutan that makes their decision making better.”

Or “…people are creatures of habit.” Know right now that Buffett and his Berkshire brands count on that, big time. He counts on your habits. Buffett and his acolytes count on the habits of your team, and the habits of millions of others too.

Uncertainty actually is the friend of the buyer of long-term values,” said Buffett per Forbes 8.6.1979. Reynolds has that under the heading, “On the Advantage of Chaos.”

Buffett is also quoted saying “… – it’s the weak link that snaps you. And frequently, in the financial markets, the weak link is borrowed money.”

One could go on, but that’s more than enough Buffett quotes to outline what follows.  On his borrowed-money point, consider the reports linked here and here.  Arguably, no one can grasp why manufactured housing is as small as it is today without reading and understanding the nuances of those two reports, and others like it.

Buying and selling housing in the U.S. is a multi-trillion dollar proposition over the course of a decade. Last year, per the sources cited in the infographic below, sales of new and existing single family-homes and condos equaled about $1.6 trillion dollars in 2018 alone.

What the data reveals is that manufactured housing, properly understood, could take a huge leap ahead of its currently poor sales levels.  If you are an investor pondering this sector – or are already in manufactured housing – be mindful that the growth potential is stunning.

But if so, the curious mind should ask questions like this one. Why hasn’t MHI – or Clayton Homes, 21st Mortgage and Vanderbilt Mortgage and Finance for that matter – done a better job of marketing or advocacy on issues like zoning and placement, financing parity, and other key obstacles?

Or why have the powers that be that flow from Omaha to Knoxville, TN and into Arlington, VA seem to constantly be in motion, with so little to show for it at year’s end?  Isn’t there plenty of demand for affordable housing?

Ponder the 2018 factoids, data, and quotes that follow in this infographic.

 

2018DataShareofHousingMarketManufacturedHousingInfographicDailyBusinessNewsMHProNews612

The headline for this article includes the word “billionaires,” plural. There are more than one in the hunt, so that is not a typo. But Buffett has a clear edge at this time. One of his close friends, Bill Gates – whose Bill and Melinda Gates Foundation Buffett is a trustee of – has been exposed to Clayton Homes and manufactured housing too.

 

When you examine years of research, what you may learn by considering the history of MHVille is this. The Omaha-Knoxville-Arlington axis are posturing activity that seems to the casual observer to aim at promoting growth, or removing regulatory barriers. That said, note that the powers-that-be are not using their best possible arguments for zoning or other issues. The text/image boxes below are each hot-linked to a report on that topic.

 

State of the Industry 2019 – Reality vs. Potential for Manufactured, Modular, and PreFab Homes? New Infographic

 

Meanwhile, Berkshire’s market share in manufactured housing grows.

 

ClaytonHomesOakwoodHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2003MHanufacturedHousingIndust

Clayton Homes, 2003. After the Buffett Berkshire Buyout.

 

They are making billions now. But through patience and conquest capitalism, manufactured homes could swell into one of the largest growth industries in the nation.

 

ClaytonHomesBerkshireHathawayMarketShareofManufacturedHousingEnd2017MHanufacturedHousingIndustryProNews

Clayton claims they had ‘only’ about 47.7 percent of the market at the end of 2017. Other sources indicate the total could be 50 percent. Either way, the Moat is working.

 

Steady persistence is an element of the Buffett play.

YouMHProNewsSeemToHaveConceptualIQThatIsMoreImportantThanSpellingAbilityQuoteMastheadMHProNews

Quote from an MHI member, business executive.

Had Buffett’s Berkshire tried to buy the entire industry in 2003 – which his resources could have allowed him to do – regulatory alarms would have sounded.  Patience allows him several luxuries. One is less regulatory scrutiny. Less chance for antitrust action.

Two, patience in a depressed industry sector allows him to acquire pieces of manufactured housing at a bargain “value,” which is also part of the Berkshire Moat model.

 

 

 

While You and Others Sleep

While you are running your path today, Buffett’s zealous business-unit leaders and their minions are waging a slow-motion war. Their leaders are taught to think long-term. Most others in this industry are thinking only about today, this week, month, or quarter.

That’s part of what allows conquest capitalist tactics – including that strategic Moat they use –  to beat competitors over time.

Some sell out to Clayton, or one of the other big three firms that dominate manufactured housing.  About 5 years before Berkshire entered manufactured housing in 2003, the three biggest firms had about 44 percent market share, said Buffett in an annual letter to shareholders.  Today, three firms have about 80 percent, and those 3 are all different than what existed 20 years ago.

Somewhat related, the SEC, it should be noted, will not yet say what stock(s) Joe Stegmayer, former Chairman and President of Cavco Industries and still Chairman of MHI, invested in that purportedly caused their legal fracas to erupt.

Over a dozen shareholders’ plaintiffs attorney firms are circling MHI member Cavco.

As a factoid, before going to Cavco, Stegmayer used to be a division president for Clayton. The growth at Cavco occurred after 2003, the same year that Buffett bought into MHVille. Coincidence?

Nor will the SEC say what investigation, if any, they are doing regarding possible collusion between various brands in manufactured housing. But if there were no investigations underway, wouldn’t the SEC just say so? We know from other sources that the CFPB and HUD are investigating the Berkshire brands in manufactured housing. Time will tell what comes of it.

 

Information and Disinformation

It isn’t just information, it is disinformation, that the Omaha-Knoxville and their nonprofit cat’s paw in Arlington, VA use.

Buffett and Clayton frankly don’t need their pawns in Arlington to understand anything. That’s not to demean anyone at MHI.  Rather, it is a simple reality. As long as MHI staffers do what Omaha-Knoxville want, as they want it – their ‘job’ is secure.  They can fail or succeed, it matters not for the purposes of their Moat.  The Illusion of Motion is what matters.

So there is no need for a conspiracy theory. The folks at Arlington could be Buffett’s proverbial “orangutan– see quote above – and that part of their strategic Moat system will work just as well.

From Buffett’s tower in Omaha, does it matter if MHI is hopelessly inept and ineffective at their claimed goals? Does it matter if MHI is cagily corrupted? Or some mix of those?  How did the manufactured home industry – which once outsold RVs 3 to 2 about 2 decades ago – slide so far that it now trails RVs by some 5 to 1?  What coach could keep their job with such poor performance?

Unless poor performance is okay? Who would pay bonuses for performance facts like that?

 

ManufacturedHomeMHShipments1990-2017MastheadManufacturedHousingMHProNews600

In 1998, manufactured homes outsold RVs by about 3 to 2. Today, RVs outsell manufactured homes by some 5 to 1. Manufactured homes are normally purchased for full time living, many RVs are for recreational or part time living. Many RVs – which are towable as well as motorized – can be higher than a manufactured home. The cost per square foot for a manufactured home is routinely lower.

 

Failure or success by MHI – either can suit the needs of the Berkshire brands.  Meanwhile, conquest capitalism is purportedly deploying the Moat to strike at the Achilles heels of various manufactured housing organizations’ interests

Rephrased, Buffett’s brands deploy capital – Buffett’s term – plus a clever blend of spin that includes facts, near facts, missed facts, and the confident trust that many won’t check the facts.

Plus, he counts on the fact that you and tens of millions won’t read, study, think, and plan as long-term as he and his colleagues do.

That’s a possible weak link. Because as soon as someone does thoughtfully study, in large part by looking objectively in detail backwards, one sees the picture that hundreds of millions miss.

 

InBusinessWorldTheRearViewMirrorIsALwaysClearerThantheWindshieldWarrenBuffettVASpapinquoteManufacturedHousingIndustryMHProNews

If you don’t pay attention to history, trends, and plan years ahead, Buffet’s conquest capitalism can sneak up one day and crush you. Another example, linked here.

 

Several thousand will read this column. I can’t say quite how many going in, but the rear view mirror trend lines suggest that our audience will find this topic of keen interest. Those thousands of readers will include the serious, as well as the merely curious.

It’s the few who are zealously informed and focused on ‘never quit until victory’ who will end up making the difference.

With some $500 billion of new capital coming back or into the U.S. in 2018 as a result of the tax cuts and jobs act of 2017, plus the Trump Administration regulatory reforms, this is possibly the best time in years to challenge Berkshire’s Moat.

 

CNBCCapitalIntoUSSinceTaxCutsJobAct500billionto1TrillionMastheadBlog

 

The Clayton retailers and Knoxville lenders’ can be outperformed. We’ve seen it done. We know those who are doing it in specific markets. On the consulting side of our operation, we’ve been part of several projects that have done it and are doing it at their local level.

 

That’s the introduction. Here’s the balance of the opening headline.

Corruption is rampant in America. That doesn’t mean that most are corrupt. That’s not necessary. It does mean that you can effectively buy off a few key people in high, important roles, and influence events in ways that few can imagine.

It means that billionaires can collude in ways that the SEC, FTC, or DOJ might not consider. We respect law enforcement, but one need not look far to see examples of justice gone awry in America.

So, if the Feds do get it on what’s happening in MHVille, they may or may not be willing to try undertake the effort to stop the collusion of the “conquest capitalists.”

Few should better understand than manufactured housing professionals how much misinformation is out there about our misunderstood industry.  Yet those misunderstandings are accepted as true.  Where is MHI’s efforts to correct the record?  Or to promote and explain the reality vs. the myth?

 

Our widely misunderstood industry is the wake up call for affordable housing industry pros. Misunderstanding is also the wake-up call for investors.  There is demonstrably no more proven solution to the affordable housing crisis than manufactured homes.  How is it even possible that it is so misunderstood?

 

InfographicMobileManufacturedHomeManufacturedHousingIndustryFactsDataResearchMobileManufacturedHomeLivingNews-445x768

2018 infographic with 2017 data.

 

Misinformation can be Opportunities in Disguise

A source with deep ties to Clayton Homes said that they have a two to three year plan to roll out 1,000 to 1,200 Clayton retail centers within a two to three year time span. To most, that defies belief. We have no documentation to reference, it’s a discussion, per sources. Unlike other tips, there is no evidence we have seen yet for that claim. It might even be a false flag.

But is it possible? With Buffett’s billions, of course it is.

If it is true, that number of new retail locations would mean that every remaining independent is no longer necessary to Clayton. The dust hasn’t settled yet on the story linked below. But that recent – and still ongoing issue – is an example of how bold Clayton is already behaving.

 

“Mobile Home Militia,” Retail/Production Sources, Sound Alarm Against Clayton Homes, CMH, New “Anti-Competitive Practices” Allegation

 

Part of the word heard is that Clayton, following our report linked above, reached out to Regional Enterprises to try to ‘mend the fence’ that CMH allegedly busted. But however that scenario wraps up, it is a huge wake- up call to the industry’s independents, isn’t it?

The similar story below was exactly one year ago.  No one else in the industry trades other than MHProNews covered either one. Why not?

 

How Many MH Independents, Retailers Have Been Lost Recently? “They Think They Own Us”

 

Or where are the other trade publishers on this third-party report, linked below?

 

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

 

It is very possible that Buffett and the folks in Knoxville have the following in mind. They are clearly supporting mostly Democratic candidates. They got a lot done – from their conquest vantage point – during the Obama Administration.

Well before the 2018 midterms were over, the 2020 contests were already underway. More precisely, as 2016 results became known, the battle for 2020 was launched. Buffett and his buddies are already deep in the hunt for those who will advance their agenda.

 

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

 

For those who buy into those photo ops of ‘MHI leaders’ with administration or elected officials and their staffs, never forget that you don’t get more influential that the photos on this page.

 

WarrenBuffettBarackObamaAwardMedalMastheadManufacturedHOusingIndustryMHproenws

Warren Buffett’s grandson worked in the Obama Administration White House. You don’t get much closer to than that in terms of access. So MHI’s arguably red herring photos of MHI staff or board members with some representative or administration member, how does that compare to this? If Warren Buffett had wanted regulatory relief during the Obama years, don’t you think he could have had it? Isn’t it all part of his strategic Moat?

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It wasn’t until after we first published satire like this that MHI’s ‘engaged lobbyists’ reached out to the CFPB, and asked the business-friendly Trump Administration to consider changes that MHI claims to have been working on for years. Who said? A source at the CFPB.

RichardDickJennisonMHIPresidentPhotoBrianMontgomeryEnhancedPreemptionFHATitleChattelLoans1010RuleTimWilliamsDontLearnFromHist

We took MHI photos and turned them into satire. Instead of attempting to refute what MHProNews or MHARR reports, MHI has been using photo op images – like the one above – to ‘prove’ how much influence they have in Washington, D.C. and beyond. But you don’t get much more influence than Warren Buffett sitting with then President Obama do you? Why is mainstream housing roaring, and manufactured homes snoring? Why do MHI staff get bonuses? Photos are fine, but where are the measurable results for millions spent every year on lobbying, meetings, and promotion?

 

The Omaha-Knoxville-Arlington head fake is –  as Mark Weiss, JD, President and CEO of MHARR aptly put it – the illusion of motion and activity. When was the last time a con artist confessed until formally charged with crimes?

Factory-built homes are potentially a trillion-dollar-a-year industry. Patience and conquest capitalism is winning, and there is no reason to think that won’t continue. Unless the ploys are exposed, and then arguably the axis and their allies have to be defeated.

If we were wrong about our analysis of the facts and evidence, why doesn’t Knoxville and Arlington accept the offer to publicly refute our concerns? Why don’t they accept the offer to publicly discuss these issues, to be video recorded for later reply, in front of an audience of manufactured home industry independents?  Why not have the mainstream media attend such a discussion/debate?

Only in hindsight and by peeling away at enough layers of the onion does the fact-pattern and logic of their strategy become clear. The rest are details and commentary. See the linked text-image boxes for more details.

Investing? It would be hard to find a better bet than manufactured homes. Go back to the top and author Reynold’s quotes.  Grasp how logical affordable housing is as a business to invest in.  But to be successful, one must know how the game is played. Because the system, while arguably rigged, can be profitably beaten. Several are in the process of challenging the system, even as this is being written.

 

 

The Late Howard Walker and “The Book”

The late Howard Walker, Vice-Chairman for Equity LifeStyle Properties told me that “the money is in a book.” In context, he meant that the right book about manufactured housing was worth a fortune.

Properly understood, Walker’s point was arguably correct.

Whatever Simon Reynolds may have earned from “Thoughts of Chairman Buffett – Thirty Years of Unconventional Wisdom from the Sage of Omaha” was only a drop in the bucket compared to what is possible from shrewd investments combined with P.E.P. in manufactured housing.

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Protect. Educate. Promote – P.E.P. Officials. Advocates. Investors. The public. They are looking for us. Graphic credit, MHProNews, all rights reserved.

Not a ton of money from a book per se, but rather from the lessons that Buffett and his strategic/economic “conquest capitalism” Moat yields.

 

  • Some don’t fight the Moat because they don’t understand it.
  • Some don’t fight the Omaha-Knoxville-Arlington axis and their allies out of fear. We’ll explore the question of extortion and lack of options another time.
  • Some don’t fight it because they believe they benefit from it too. As Buffett Moat crowds out smaller players, some of the mid-sized ones think they can gain market share as well.
  • Some are the axis that makes up the Moat proper.

The industry is poised to be disrupted again, for a variety of reasons already in motion. The case could be made that this is the best time in decades to jump into manufactured housing, or to expand through prudent challenges to the Moat builders.  Because either out of patience, or whatever other reasons one cares to mention, Clayton and company are underperforming too.

So motivated, focused, well capitalized, disruptive performers could get in, and blow by them in just a few years. That will be explored too in an upcoming column.

The Moat and conquest capitalism are the truth hiding in plain sight.

To learn more about the Moat, see the linked related reports, further below. “We Provide, You Decide.” © ## (News, commentary, and analysis.)

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

LATonyKovachQuoteManufacturedHousingIndustryWontReachPotentialAddresscoreIssuesArtificallyholdingitback466By L.A. “Tony” Kovach – for MHProNews.com.

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

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

Sign Up Today!EmailedMHProNewsHeadlineNewsDailyBusinessNews

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

 

Related References:

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

Surprising Discovery on Manufactured Housing’s Enhanced Preemption, Hidden Gem$

MHI CEO Dick Jennison’s Pledge – 500,000 New Manufactured Home Shipments

Positive, Uplifting Third-Party Reports Favor Modern Manufactured Housing, So What’s Going Wrong?

 

“Democrats Are Sinful Hypocrites. Just Like All of Us.” Weaponizing Information, Senator Elizabeth Warren, and MHVille

 

“The Illusion of Motion Versus Real-World Challenges”

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

God’s Sense of Humor, Tilting After Windmills, Manufactured Housing – Merchants or Crusaders?

January 27th, 2019 No comments

 

GodsSenseofHumorTiltingAfterWindmillsManufacturedHousingMerchantsOrCrusadersMastheadMHProNews

What’s wrong is that enough people don’t ask what’s right – that’s a faithful paraphrase of the brilliant writer and believer, G.K. Chesterton.

 

One need not look far to discover that the Creator of all has a healthy sense of humor.

 

Warren Buffett, Kevin Clayton, Tim Williams – among their allies, pawns, lackeys, and stooges – could not have counted on their strategic economic Moat encountering the various resistance personalities found working in the manufactured home industry today.

Former Manufactured Housing Institute (MHI) President Chris Stinebert made a series of arguably interesting, inaccurate, and mistaken comments in his departing message to their association members and followers. One colorful piece of advice Stinebert gave was not to go tilting after windmills.

There are those who understandably believe that it is safer to be a so-called “Merchant” – someone who a self-described MHVille merchant said will do business with anybody –  than it is to be a Crusader, who could be defined as someone who fights for whatever is right.

But as the manufactured housing industry approaches 43 years since the construction of the first HUD Code for manufactured homes on June 15, 1976, there is an increasingly self-evident reality. It’s this. After decades of many MHVille industry pros being mainly merchants, the pool of merchants has steadily shrunk since the last industry high water mark of 1998.

Buffett says he loves to read. He finds value in history, facts, and figures. It’s a point the Oracle of Omaha and this far lesser known Masthead writer concur on. Wheat and chaff. Accept the truth, from whomever or where ever you find it.

In God’s grand sense of humor, Buffet’s minions picked an avoidable fight with this multiple award-winning history major, who happened to be a philosopher’s son. What rich irony!  That divine joke keeps me rolling, in more ways than one.

Not everyone in MHVille is a short-term thinker who will sell out the Master for 30 pieces of silver.

America is a nation filled with tragedy as well as hopes, with a rich tradition of attainable dreams.

Only those who will use some of their time, talent, and treasure to support the crusaders for justice in MHVille will hope to see the day when MH Nation becomes a reality. MHNation is attainable, but it requires enough sufficiently motivated efforts, hands, wit, and resources to help build and sustain it.

 

 

Big and Small, They Lost It All

Over the years, this writer has peered into the eyes of mom and pop businesses who didn’t understand what happened to their once thriving enterprises or land-lease communities.

This Masthead writer also watched as the once mighty fell too.  Previously dominating ‘old Fleetwood’ or ‘old Champion’ vanished in less than a decade, under the headwinds of the builders of Buffett-style strategic economic Moats. 

If the former giants of MHVille didn’t survive the strategic economic Moats of Chairman Mao, pardon me, Chairman Buffett, then what hubris does it take to believe that the also-rans in Claytonville can survive “the Moat’s” steady, grinding, and seemingly invisible methods?

We respect George Allen’s service to his nation.  Lord only knows what he may have encountered during Desert Storm or in the deadly jungles of Vietnam.

That said, it’s pathetically laughable when someone like George F. (F?) Allen calls himself the industry’s “historian.” Here’s how he said it in a recent post, “This blog posting is sole national advocate, official ombudsman, historian, research reporter, education resource, & online communication media for North American land lese communities!

 

CommunityInvestorJan152019GeogeFAllenMastheadBlogMHProNews

The next time the Omaha-Knoxville-Arlington axis asks for a hit-job, please send someone less self-contradictory, and more competent.  History?  Allen’s view of history puts him in the center of it all. Fascinating choice of who to answer, Kevin. 

 

Listening, musing, and reading pay. It was listening to a former client/supporter of Allen say, ‘With George, it’s AAA. All About Allen.” Priceless insight, spot on, and moving on.

 

 

Jesus and the 10

Jesus never preached socialism. Nor did Jesus preach monopolistic methods.

Properly understood, the 10 Commandments that Moses brought down from Mount Sinai protect private property and human wealth honestly earned.

It’s simple, really. Constantly reference, strive to support, and follow those Ten Commandments. Let those 10 and the lessons of the Good Book be your decision-making guide. When those 10 Commandments are understood and followed, society will thrive. When ignored, mocked, or trampled underfoot, the weak or most innocent become victims.  The Ten, with motivated merchants, make for the sufficient needs of crusaders.  The rest are details and commentary.

 

UnlessThereisAGodAllMoralityIsJustOpinionBeliefsNoKingsNoMonopoliesNoOligarchsAmercanWayMHProNews

The top images are composites from the Prager U video, further below. Over a million views on that thought-provoking video.

 

The Rev. Martin Luther King, Jr. Ph.D. was a sinner, like this writer, and the rest of us mere mortals. King had strengths and weaknesses.  Ditto. But that thoughtful strategist led a peaceful revolution in his day. King was a Crusader. That eloquent preacher had merchants who supported his crusader efforts.

Crusaders like Jesus, King, or Gandhi are always the ones who change the world.

 

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This is historic. This is part of authentic history. 

 

Together, with arms locked, King and others marched against the oppressors of his time. King was a visible figure, but never forget that there were numbers of less visible ones who made sure that King secured the victory they sought.

Affordable quality housing – which can be served in the form of modern manufactured homes – is a civil, constitutional, and a legal right. But it will take enough Crusaders to beat those who’ve manipulated the American system in a way that moat builders seek to enrich themselves, as they arguably defrauded their neighbors as they smiled.

 

Don’t stop being a merchant.

 

But if you don’t want to be a statistic among other merchants in MHVille who’ve fallen before you, if you don’t want to be another “value acquisition” of Berkshire or a Buffett buddy, then ponder this reality.  You must use some time, talent, and treasure to support new structures to replace the purported corruption of Arlington VA based MHI and their masters in Omaha and Knoxville.

Buffett’s smart, in a Machiavellian way. Chairman Buffett and his are patiently grinding the industry into powder that he can easily swallow at a cheap price.

You, we, and other people of good will can use cunning, truth, and existing laws to beat Buffett at his own game. Who says? Centuries of Bible stories tell me it’s so.

There are various ways people around the globe express the Ten Commandments. Properly understood, at their core, they are the same. It’s noteworthy that Christian, Jews, Muslims and other believers have similar beliefs to these 10 Commands.

 

 

Read the related reports, further below, for added insights.  Reach out by phone, message, or email to tip, talk or join the merchants who are ready to be or support the spirited crusaders that can beat the corrosive effects of manipulating oligarchs and their Moat builders. Communism and the Nazis were defeated. America had its trust-busting era, that broke up the monopolists. Another one lies ahead. “We Provide, You Decide.” © ## (News, commentary, and analysis.)

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

LATonyKovachQuoteManufacturedHousingIndustryWontReachPotentialAddresscoreIssuesArtificallyholdingitback466By L.A. “Tony” Kovach – for MHProNews.com.

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

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

Sign Up Today!EmailedMHProNewsHeadlineNewsDailyBusinessNews

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

 

Related References:

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

MHI CEO Dick Jennison’s Pledge – 500,000 New Manufactured Home Shipments

 

Puzzling Case of Millie Francis, Where are Religious Liberty, Fair Housing, Resident, and Manufactured Home Organizational Defenders?

 

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

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

 

“The Illusion of Motion Versus Real-World Challenges”