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

August 21st, 2018 No comments

 

RacismMartinLutherKingJrProspertiyStablitySafetyCertaintyDailyBusinessNewsMHProNews600x315Some say it is an attempt to emotionally manipulate you and your neighbor’s common sense, or the evidence from your own eyes.

 

Let’s examine that by stepping back and imagining the following for the next few moments.  

What if an alleged racist and misogynistic president’s policies proved to be better for minorities, women, and most all others in the nation then his Democratic or Republican predecessors?

 

Read that question again.

Then, hold that thought, as we go back in time a decade to the following hypothetical scenarios.

Picture in your mind a charismatic African American who becomes president. Under he and his party’s directions, costly programs are launched. Strict regulatory controls on financing are passed. A costly new healthcare mandate is created that raises instead of lowers costs. Higher taxes are imposed. Jobs and capital move overseas. Poverty, deficits, and debts all rise dramatically. Home ownership rates drop. Housing becomes less affordable for millions. Drug abuse rises. The Fed uses QEs to the tune of over $3.5 trillion dollars, to artificially prop up the markets and the economy.  

Yet much of the media hails this hypothetical first black president, perhaps in part because of the historic fact that he isn’t white.

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The outcomes noted above had little to do with skin tone, other than significant levels of mainstream media support to atone for racial issues of the past. It’s the demonstrably flawed policies and their results that must be questioned, not the race of the president.

Then, imagine this scenario.

An opposition candidate for president rises who is white. He’s a real estate and business success, plus a TV celebrity too. He has a reputation of being a philandering playboy. He has multiple wives, but what’s often described by others as terrific and successful children. He’s been hailed for years by women and people of color for the good things he’s done in business, and to help various people of all racial, religious, and other backgrounds in their careers. He’s tough, controversial, loves the limelight, is a counterpuncher, but he also has a heart. 

When this imaginary billionaire runs for president, he is barraged with a steady stream of allegations of racism and misogyny.  In spite of those allegations, he pledges to improve the working conditions for minorities, women, and the ‘millions of forgotten Americans.’ He says the ‘system is rigged,’ publicly confesses he’s used that manipulated system himself. He launches his campaign with his own money, so he’s not in debt to some interest group. He often says bad trade deals – plus other flawed domestic and foreign policies – have cost the nation trillions of dollars.

He violates all the unstated rules of the political game, so virtually all the experts and polls say he can’t win.  

Yet, this white celebrity billionaire runs a campaign marked by rallies of packed venues with cheering supporters. He wins a larger share of the minority and women’s vote than expected. In spite of the onslaught of routinely negative coverage, plus other machinations, he’s elected president.

With charges of racism and misogyny continuing, various protests and moves against this newly elected white president begin even before he takes office. After being elected, the president-elect begins by doubling down on campaign promises. He draws a stream of foreign and domestic personalities and investors to his headquarters. Promises are made by many visitors to invest billions in the U.S., along with their pledges to hire more workers. 

After taking office, this imagined new president orders the roll back of regulations that stifled job creation. Later, the implementation of tax cuts that worked for a Democratic and a Republican presidents are passed. Efforts are made to tighten legal and illegal immigration. Trade and other non-treaty deals are cancelled over time.

The results? The economy rises. Minority and women’s unemployment fall to record low levels. Incomes begin to rise.  Business profits are going up. Investors are smiling.

Some black celebrities speak favorably of this allegedly racist president. This imaginary 45th president’s approval rises among minorities to record levels, in spite of reports of some 90 percent unfavorable media coverage.  

He holds more rallies, where blacks and women hold up signs supporting this fabled 45th president are visible.  

Jobs that the imaginary 44th president said would never come back to America, are returning.

TheFunctionofEducationIsTeachOnThinkIntensivelyThinkCriticallyIntelligencePlusCharaterThatstheGoalofTrueEudcationMartinLutherKingJrMHProNEws 

The stock market goes on a strong rise, until tariffs, trade, and other politically/media hyped issues roil the markets. But a decline in stocks in the first part of year two of this imaginary 45th presidency are followed by a steady recovery back to near record levels. The fundamentals of the market are good for investments, businesses, and thus are good for job growth.

 

Against that Theoretical Backdrop…

Now, if you were a minority in that theoretical scenario, and your pay was rising, and unemployed friends returned to work, would you give this pictured 45th president and his party another look at election time?  Or if you are a woman, investor, white or blue collar worker, would you rather listen to the ‘talking head’ naysayers?

Would you look at your 401k, higher take home pay, and rising bottom-line profits?  Rephrased, would you believe the often repeated allegations, or would you believe the experience of rising confidence, an improved economy, and what your eyes tell you is occurring?

 

Shadows…

In the docudrama, Shadows of Liberty, serious MHProNews readers watched a video with mostly progressives and left-leaning news personalities and experts that outlined how some 90 percent of the media are owned by a handful of conglomerates.

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

They said in Shadows of Liberty – to view the video, see the link above – that the news you see is what their corporate owners want you to see.

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Tech Billionaires, “Moral Cowardice,” MH Industry, and National Impact

Yesterday, in a much shorter video, we heard De Paul Professor Jason Hill lament “moral cowardice” in the face of the various ways that information is manipulated in America.

 DeepaKumarQuoteGiantMediaCorpLikeTimWarnerandNewsCoprDisneySoForthTheyGetToDecidWhatIsNews

What is clear to objective observers is that what some have called “the swamp” isn’t limited to Washington, D.C.

 ThomasSowellQuoteIfPeopleInMediaCannotDecideWhetherTheyAreInNewsReportingbusinessorManufacturingPropagandaMoreImportantForPublicchoseNewssourcesAccordingl

The national trajectory has been a multiple decade decline for the majority of Americans. That, in spite of the 44th president who promised “hope and change” had come to America. After blasting his predecessor for big deficits, the 44th president doubled the national debt in just two terms. President Barack Obama promised transparency, but his architect for ObamaCare admitted on video that the program was sold based upon lies.

 

 

Are we to seriously believe that Grubner’s was the only lie told during the Obama years? Do we recall the multiple-millions in settlement last week in the IRS corruption tax case, that date back to the Obama Administration years?

“We Shouldn’t Fear Our Government,” Feds Pay Out Millions in Case, Plus MH Market Updates

 

The nation is finally seeing tried and true, common sense policies being implemented. Those policies are already working.

Progress is happening, often in the face of opposition from so-called elites in both major parties. The donor class – as both Senator Bernie Sanders and candidate Trump said – largely controls the political class.

But people still have their votes. There’s the election vote. There the power of jury nullification in a jury vote, along side other powers that citizen-jurors hold. There’s who you support, and who you oppose in politics, businesses, associations, and beyond.  There’s a struggle against a “rigged system.”

Crying children in holding cells will move people. But the deeper question is why elites in failed to seal the southern border, or tighten our immigration laws for decades. Americans have a right to know who is coming into our nation, and why.  

The law of supply and demand tells us that as unemployment drops, and when all types of immigration are finally correctly regulated, wages for Americans will rise even faster than they have been. 

Business and investors desire maximum certainty.

Workers want to make an honest living, that can provide them and their loved ones with a good life. 

Our once-proud industry can, should, and ought to be part of the mix of providing a better life to potentially millions of more of our fellows.  Just as manufacturing in America is coming back, so too can manufactured homes make a sustainable comeback.

To do so sustainably, we need common sense policies, equal access to lots and loans, law enforcement, plus equal justice.

To keep common sense policies, and get more positive changes going, we must personally sift out the efforts to manipulate us or other voters into voting against their own interests.

My wife Soheyla Kovach is a minority, who came legally into this country. She understood the value of President Trump’s policies. She did so publicly. Donald Trump’s then campaign site posted her article months, used with our permission.

 12ReasonsEducatedIranianAmericanWomanSupportsDonaldTrumpPostedMastheadBlogMHProNews954x846

The markets are rising, not due to FED generated QEs, but due to honest growth.  

What’s really occurring is free enterprise finally being unleashed. Why not create jobs in the U.S., instead of China or some other nation, that then compels billions more in U.S. defense dollars? 

I don’t expect the 45th president to necessarily raise the issue of antitrust actions against giants in tech, media or our industry before the midterms. But it would be wise to do so at some point, especially if the wave is red vs. blue. The midterms are no more set in stone that the 2016 election was.  We editorially said before the voting that it was all about turnout, there were good signals in the internals of some polls, and that President Trump could win.

The old GOP isn’t dead, but it is becoming-in-stages the party of President Donald J. Trump.  

The old Democratic Party of John F. Kennedy morphed years ago into a party that is leaning ever more towards programs and positions that proved to have failed for decades.

Heritage did a study a few years ago that said that $22 trillion was the cost over 5 decades of so-called Great Society era programs. The needle on poverty was barely moved, as it fluctuated up and down. Why continue policies proven to fail?

The wise thing is to boost the economy, so people can naturally be removed from those various assistance program rolls.  That’s what the Trump Administration is demonstrably doing.

There is no reason to think that if China can get 6, 7 or higher percentages of annual GDP growth, that the U.S. can’t in time do so too. It all comes down to getting and keeping right policies and laws. 

We need to get defend ourselves from the emotional and other forms of manipulation, and often repeated propaganda.  

Common sense and enforcing existing laws would lead to America into an era of unprecedented growth. That would be good for our industry, along side other professions too. 

Those cries of racism, misogyny or separated children of those who crossed a border illegally beg deeper questions. But even if it were all true – and you and I don’t have to believe that – aren’t minority, women, children and most all lives improving now? 

Why would we derail the president’s policies that are proven to honestly help all segments of society?  Will we toss that aside for the latest person hawking a sensational book?We Provide, You Decide.” © ## (News, analysis, and commentary.)

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

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

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

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Related References:

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

 

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

April 11th, 2018 No comments

ManufaturedHousingIndustryHappyHomeOwnersGoodProfessionalActorsHonorablePeopleMastheadCommentaryMHProNews550

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

 

There are numerous untold stories in the manufactured housing industry.  

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

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

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

 

Positive, Routinely Untold Manufactured Home Stories

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

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

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

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

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

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

TheManufacturedHomeIndustryItsTooGoodToBeTrueThatsAPhenonenonRonThomasSrRonaHomesPriorLouisvilleShowChairman

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

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

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

RonThomasSrManufacturedHomeLivingNewsMastheadManufacturedHomeIndustryCommentaryMHProNews

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

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

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

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

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

Tunica, Nashville Trade Shows and Manufactured Housing Glory Days

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

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

ManufacturedHomeLivingNewsHomePage4112018MastheadBlogMHProNews

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

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

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

All of those are necessary and good.

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

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

Impressive. 

NumberNewHousesSoldInUS1995to2016DailyBusinessNewsMHProNews

Just the FACT$

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

DarrenMHVillageMastheadBlogDailyBusinessNewsmHProNews_001

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

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

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

That’s reality. Two analogies.

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

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

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

ExecutiveSummaryToSolveProblemTapOpportunityOneMustDiscoverRootCausesAddressCoreIssuesMastheadManufacturedHousingIndustryCommentaryMHProNews

 

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

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

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

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

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

 

 

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

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

 

 

The solution is both simple and nuanced.

  The truth must be presented.

  The falsehoods must be refuted.

  Where they exist, real problems must be addressed.

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

NewExistingHomeSalesDailyBusinessNewsMastheadManufacturedHousingIndustryCommentaryMHProNews

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

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

That’s not negative. It’s reality.

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

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

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

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

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

There is nothing else in MHVille like this dynamic duo.

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

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

There is more to what we do than just interviews.

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

 

 

Attacking the Industry

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

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

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

MobileHomeShipmentsManufacturedHomeShipmentChartMHIAShipmentsMHIndustryChampionSkylineHUDCodeDailyBusinessNewsMHProNews-666x768

Modular Sellers? Smell the Coffee…

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

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

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

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

Related Reports:

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

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

 

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

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

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

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‘Over Target’ Reactions, WHA Exec (ret) Ross Kinzler, Won’t Defend MHI Policies & Points to Prior MHI Failure

March 4th, 2018 No comments

HeavyFlakRossKinzlerOverTargetReactunWHAExecRossKinzlerWontDefendMHIPoliciesPointsToPriorMHIFailure

I have no comment on MHI’s legislative agenda.”
Ross Kinzler.

 

The [MHI] Urban Design Project didn’t have any lasting market effects.”
Ross Kinzler

 

Priceless, direct quotes.

 

Why Priceless?

They are significant observations – and de facto admissions – by someone ‘defending’ MHI, and their ‘new class’ of manufactured homes.

The rest that follows are details, context, and commentary.

Briefly consider the point Ross Kinzler made about a prior MHI project that he used as an analogy to the MHI-backed ‘new class of homes’ concept.

 

Kinzler raises the interesting comparison between MHI’s previous ‘Urban Design Project,’ which didn’t perform as planned, and the MHI proposed “new class of manufactured homes.”

It is Ross who said the Urban Design Project had no lasting market effect, a nice way of saying MHI didn’t move the needle.

Aren’t those polite phrases for failed?

Keep in mind that Kinzler has reportedly done some consulting for MHI.  Yet, Ross won’t defend MHI’s legislative agenda.

That speaks volumes.

The rest are useful details and commentary, but if a reader stopped right here, the take way is that MHI’s prior ‘similar’ project failed, and MHI’s legislative agenda won’t be defended even by those who have been or are paid by MHI, or whom MHI staff has called ‘affiliates.’

Kinzler, has reportedly done consulting for MHI, and yet he still won’t defend their legislative agenda?

Why not?

Aren’t those two directly quoted sentences by Kinzler at the top warnings for every independent community, retailer, producer, service provider, and lender?

 

CityScapes at the Mills of Carthage; Boston and other cities, are you Listening?

(MHLivingNews has spotlighted one of the HUD Code
manufactured home projects dubbed
the Urban Design Project that Ross Kinzler’s
comments referenced.)

 

To Be Fair and Accurate, There are Many Possibilities

There are several possible reasons why Kinzler, or others in the MHI camp, don’t want to defend MHI’s legislative agenda.  We are not casting any dispersions on Ross, Amy or any others.

People can make good faith errors, and good faith mistakes in reasoning.

That, by the way, is one of the reasons why public debate can be healthy!  If there is an honest fact or analysis error, let that be logically aired out in public.

Which begs the question, why then does MHI and their surrogates often duck such debate? When key questions are asked about MHI, Berkshire Hathaway, et al, why do they all go quiet?

But as the CSUN – California State University – says in a report on logical fallacies, one of the reasons to know and spot errors in reasoning, is that once an error is spotted, that error can be removed from the discussion.

Doing that saves time in the long run.  Such honest, intellectual analysis dates back over 2,000 years.

Why keep repeating some variation on a logical error?  We’re doing MHI members and non-members alike a favor by spotlighting what look to be logical, legal or other errors.

 

What Sparked the Flak

ICYMI, the email in the article linked below is part of what sparked all of this flak this past week.

Keith Anderson, CEO Champion Homes, MHI ‘New Class’ Monopoly Concerns Memo, ‘Harms Owners, Independents’

 

Nathan Smith on the MHI Agenda and Track Record

I credit former MHI Chairman Nathan Smith for admitting during the video below that MHI needed to admit the associations prior mistakes, and make an effort to learn to avoid them.  Smith’s admission was an important step. But have MHI’s leaders in fact learned from prior errors? Is there any consequence for MHI leaders from failures?  In the private sector, a mistake costs jobs or money or both.  What happens when MHI errors?  Where are the consequences?

 

 

One possible reason why Kinzler won’t comment is MHI’s legislative agenda and history is simple.  The MHI track record and agenda are not an easy to logically defend or explain.

MHI’s Rick Robinson, an attorney trained in debate and objective analysis, won’t defend MHI’s position either, nor will he or anyone else at MHI do so.

Why not?

Ross_Kinzler_credit_Community_Connections_posted_on_MHProNewsSo Kinzler’s in plenty of company when it comes to not defending MHI’s agenda or track record.

Another reason, as this writer replied to Kinzler is that the logic, history, ethics, and theories behind the MHI agenda are dubious at best.  It’s a relevant point.  In fact, Kinzler was the one that pointed out the steep decline in manufactured housing production, and noted the harmful ripple effects throughout the industry.

average-shipment-per-decade-manufactured-home-posted-on-mhpronews-com d

There are tons of negative impacts for low volumes of new MH sales. One is that there are fewer used homes on the market. Image credit: Ross Kinzler – Wisconsin Housing Alliance.

 

Perhaps that explains in part why after years and millions of dollars in efforts, MHI key agenda items have not passed. Positions like the arguably contradictory position on the DOE Rule led to a flip flop that MHI leaders don’t want to admit.  Their flip flop on Clinton/Trump, their flip-flop on Pam Danner/HUD, etc. all can reasonably be seen as falling into that category.

 

But once more, in fairness, there are other possibilities. What we know is that Kinzler won’t defend MHI’s agenda, and neither will MHI publicly defend their agenda; why not?

Those who seek the truth on any subject want solid answers to reasonable questions. Curious minds want to know…

ThoushallNotCommitLogicalFalllaciesYourLogicalFallacyPlatoAristotleSocrates575x1673

The “Straw Man” argument is one of the common fallacies that are used – intentionally or inadvertently – that can misrepresent the facts. The chart above shows some of the more common logical errors, but another not shown, that is used when George Allen enters a discussion is the red herring.’ Allen also likes ad hominem attacks. By intent or by mistake, the fallacies in reason lead people to wrong conclusions.

 

Kinzler Defended Bliss, A Deeper Look

Kinzler indicated he was defended his colleague Amy Bliss. But Amy was not attacked.  Ross ‘defended’ Bliss by what’s known as “straw man” arguments. He said things neither MHProNews, nor this writer have said.

Perhaps Kinzler misread?

Then, Ross ducked the same questions and opportunities to discuss by phone to clarify possible misunderstandings that was offered to Bliss, why?

Keep in mind, I personally like and respect Amy and Ross — so this isn’t personal, from our side of the fence, this is a purely professional disagreement.

Think of it as a clinical doctor’s analysis — what do the tests and the facts reveal?

RedHerringDefinitionFalseArgumentDistractionMisleading

Wittingly nor not, George Allen often falls into red herring and ad hominem tactics. When those are used intentionally, they are designed to distract or belittle, without actually answering the questions under debate or discussion.  For someone trained in debate, their use signals the weakness of the argument of those who use such methods

 

George Allen, a Bit Different?

Neither Kinzler nor Bliss accepted the offer to discuss items by phone, to clarify understanding. While written words are useful, they can be misunderstood. The combination of written and spoken words can thus become one way to avoid misunderstandings.

Allen’s situation is perhaps different.

He made an interesting revelation, saying he has quit MHI.  He’s not alone.

State Associations, Companies Quit Membership in Manufactured Housing Institute, (MHI), One Explains in Writing, ‘Why?’

Then, Allen says he hasno dog in the hunt,’  but begins blasting away furiously with attacks on the person (= ad hominem fallacy) or red herring tactics.  Those have been an Allen-isms traits for some years.

But what’s revealing is the fury of the defenders of MHI, without actually addressing the specific points made or concerns raised.

Why weren’t specific questions, being directly answered?

 

Don’t Bother Me With Evidence or Third Party Report’s…?

There’s an old saying, ‘don’t bother me with facts, my mind is made up.’

  • Rick Robinson
  • Richard ‘Dick’ Jennison,
  • Lesli Gooch,
  • Amy Bliss,
  • Ross Kinzler,
  • George Allen and others have ducked out on dealing with specific concerns raised by voices inside the industry and those outside of the industry.

For Allen, that’s perhaps particularly problematic, because he claims the mantle of defending independent communities.  Is he failing them, by not digging into the realities? Why is he now denying concerns on similar issues he himself has previously raised?  Has Allen flip-flopped? Doesn’t he see the contradictions in his reasoning?

ManufacturedHousingIndustryMonopoly-Oligarchy-GeorgeAllen-PostedDailyBusinessNewsManufacturedHousingIndustryMHProNews-

 

Personal Example Makes a Professional Point Useful to Manufactured Housing

My friends, family, and relationships include people of many faiths and backgrounds. Among them are various kinds of Christians, Jews, Muslims, Buddhists, and non-believers. My parents raised us, thank God, with lived examples of how you treated all people with respect, and dignity.

People of good will can have disagreements.

So the response? It ought to be to examine issues, and if someone is mistaken – to show them their error.

But that isn’t done by name calling.  Even when we strongly disagree with Mr. Buffet, Berkshire Hathaway or MHI, we aren’t name calling or mud-slinging. Rather, we provide evidence, quotes and voice concerns in a professional manner.  Let them reply, if they can.  If they can’t perhaps that answers why they began ducking out on engagement, discussion or debate over a year ago.

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

Bliss can speak about conspiracy theories, but when many have provided evidence, how can you call it a conspiracy theory any more?

Wisconsin Housing Alliance – an MHI ‘Affiliate’ – Amy Bliss’ Messages Raise New Anti-Trust Issue

Honest discussion is not accomplished by twisting the other person’s words, or by using false evidence, or misleading arguments.  In fact, manufactured housing advocate, the Rev. Donald Tye Jr. has raised several important points, which will be useful in upcoming articles.

“F-Bombs” Fly – Cursing Manufactured Housing and Tornadoes – Engaging Public, Experts, Officials, and Media

Soheyla had an article this week were we showed some of the vile name calling people post or send on the tornado and manufactured housing topic. It is linked above. The typical response made by this writer begins doesn’t start by cursing them back in return.

Let’s close with a very personal analogy, and I asked permission before sharing this.

My younger brother Tom Kovach holds very different views on a wide range of issues, and leads a life quite different than my own.

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While I consider myself a centrist and independent, my brother Tom is pretty far left in many items of Democratic politics. But Tom can be reasoned with, and he and I don’t typically take offense when we disagree in a policy, moral, religious, or other issue. The point is that people can disagree, respectfully.

That said, we are brothers. We love and respect each other. Yes, at times we’ve exchanged thoughts in ways that hurt the other’s feelings, but we get over it, forgive as is needed, and move on.

I don’t have to agree with him, nor he with me, to have a rich intellectual discussion on a topic we disagree about. We don’t call each other some vile name.

tim-williams-CEO-President-21st-mortgage-corporation-daily-business-news-manufactured-housing-mhpronews-21st President and CEO, and prior MHI Chairman Tim Williams said in our exclusive interview with him a number of very important ideas. One of my favorites is Tim’s fraternity example. It’s terrific.

A fraternity is at the root a brotherhood.

Brothers – kinfolk, family – ought to be able to disagree with respect.

 

MHProNews has focused on facts, concerns, documents, behaviors, trends – which is a kind of history – and evidence. Where does the logic of a position or case take someone?

I strive to hold no personal animus toward anyone in the industry, including those who have demonstrably wronged others or us, or have generally been unjust.  Telling someone to ‘go to hell,’ or worse solves nothing.

If MHProNews is wrong on an interpretation, then that should be thoughtfully refuted, right? George or anyone, where is the need for rude name calling, or manipulative debaters tricks?

If my bride and I were the only two on the planet who believed these concerns, there might be a better cause for others to say ‘conspiracy theory,’ as Bliss said.   If we were the only ones to say, there is a risk from monopolistic behaviors, then mischaracterization by Ross, Bliss, or as Allen did  – 9BTW, I’m well aware of Allen’s nice side, and we respect and value his service to our country0 – could make more sense.

I like Amy and Ross on a personal level. But liking someone doesn’t mean you have to agree.

If MHI, Tim Williams – who can be very charming and likable too – Warren Buffett  – ditto – or anyone else wants to debate the issues, let’s do so publicly, where the industry can tune in, and we should do so with mutual respect.

No cheap shots or debaters dodges, like those in the chart above, are needed.

My sincere belief is that the evidence shows that MHI is being used as a tool by the largest companies in manufactured housing. They are being used to advance an agenda that benefits those larger corporate players, and often hurts millions of home owners and millions of potential home buyers too.

I explained in a recent post how my view about MHI evolved.

 

What Tim Williams, Dick Jennison, Rick Robinson, Lesli Gooch, et al, Taught Me About the Manufactured Housing Institute

If we at MHProNews know about or suspected a problem, and failed to report it, you could say, shame on me.

If we report concerns, and readers opt to ignore or think differently, that’s a reader’s absolute right as a free person.

But to ignore the growing body of evidence from sources inside the industry and outside the industry, is to do so at one’s own peril.

Now You Will Hear — the Rest of the Story

To paraphrase Jim Ayotte, all of us can only act upon the insights we have available at the time. We then do our best, based upon those insights.

BeatSwordsIntoPlowsharesIs2-4-MastheadblogMHProNewsWe believe the states have done far better on the whole than MHI has. Others in the industry say so too.

We believe that MHI has demonstrably made blunders for years.  Rather than admit them now, as then MHI Chairman Nathan Smith did a few years ago, they and their surrogates are demonstrably using tricks and tactics to duck, dodge, distract, detract, diminish, or defame.

That’s wrong, in my view.

If they were right, they have attorneys who are trained in debate, who could make us look foolish in public, with straight up debate.  No tactics. I have no such advantage, no such formal training in debate.  I think the last formal debate I was in, was high school or maybe even junior high.

So why doesn’t MHI bring out their Ph.D. and attorneys and debate?  Or why doesn’t Clayton Homes, et al, do the same?

Let them try to honestly refute the concerns of voices across the political divide about monopolistic tactics.  Again, see the link above from the recent report by The Nation that cites monopolistic tactics and names Clayton Homes.

Let them explain ethically why they kept others who do publishing as members, and not MHProNews (and our related operations)? No one ever accused me of disrupting an MHI meeting, nor of breaking an MHI rule, did they? All I ever did was ask questions, and offer different views if that seemed wise.  Aren’t they violating what their 990 filings claim? Don’t they want feedback from their members?  Or do they only want yes men and women, who fall in line, as the industry continues to get consolidated by a few?

Why would MHI single us out, ‘marked [us] for elimination’ as sources at or with MHI have said?

These folks are arguably hiding not one thing, but many things.

Those who ignore the evidence do so at their own peril.  On these issues, my conscience is clear.

Beating Swords Into Plowshares

And He [God] shall judge among the nations, and shall rebuke many people: and they shall beat their swords into plowshares, and their spears into pruning hooks: nation shall not lift up sword against nation, neither shall they learn war any more.” (Isaiah 2:4, Bible Hub)

TheyShallBeatTheirSwordsIntoPlowsharesUNBuildingWikipediaMastheadBlogMHProNews

The above quote is inspired and well intented. But it misses the key words that proceed the same verse: And he shall judge among the nations, and shall rebuke many people: and they shall beat their swords into plowshares, and their spears into pruninghooks: nation shall not lift up sword against nation, neither shall they learn war any more.

Dig through the various reports, and ask, if they could refute any of it, why don’t they do so? ##  (News, analysis, and commentary. Note 1: this post will be updated with downloads of statements emailed by Amy Bliss, Ross Kinzler and George Allen, among others. Note 2: where issues have not yet been litigated or determined by legal authorities, the word ‘allege’ should be construed as needed in the above as part of our analysis and statement.)

 

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

L. A. “Tony” Kovach is an award winning manufactured housing industry veteran, and is the managing member of LifeStyle Factory Homes, LLC – the parent company to MHLivingNews.com, MHProNews.com and professional service provider to the factory-built housing industry.

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

MH Lending, FEMA and False Profits (and False Prophets)

October 7th, 2017 No comments

Question. Where the manufactured home industry’s profits in the mid-to-late1990s, false or real?

When money is earned, it can be spent. So it may seem odd to discuss profits as “false.” 

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As anyone who’s watched the movie Scarface knows, crime is a business. It may be illegal, but it’s business.  The risk/reward equation for a criminal enterprise is different than for a legal business.

Back to the opening question. Where the manufactured home industry’s profits in the mid-to-late 1990s, false or real?

They may have seemed real at the time, but it was a reality built on quicksand. 

A sinkhole developed under that mountain of bad MH loans.

The new home shipment graphic below tells the tale. The MH Industry has not yet fully recovered, almost 20 years later. 

ManufacturedHousingIndustry30YearAnnualShipmentsCavcoMHIDailyBusinessNewsMHProNews

False profits? In Wisconsin, they might answer, “youbetcha.”

The FEMA Trap

In 2006 and 2007, after all those FEMA orders from the 2005 hurricane season, some where praying for more bad weather.

Duh. Short-term thinking has harmed the MH industry and image numerous times.

FEMA orders were similar to those bad MH loans from the 1990s. Those bad MH loans hurt our industry’s reputation. Once seemingly ‘profitable’ companies collapsed in the wake of the 1990s MH credit crash.

Another, smaller wave of companies failed as a result of the post-2005 FEMA housing rebound/impacts.  But it was already a smaller industry.

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We’ve had numerous comments from industry professionals who say that too many in manufactured housing have not learned the lessons from FEMA/Katrina.  That the industry is walking into a pit, let’s call it ‘the FEMA trap.’

The industry professional who sent this linked commentary was right, the federal government could do FEMA much better, and could save taxpayers in the process. 

Doing FEMA right – instead of wrong – would be better for those being served, the public in general, and could protect the industry’s independent businesses more too.

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Some will profit from FEMA going in, and will also make money on the flip side — when those homes flood (pardon the pun) ‘back onto the market’ – and get auctioned off. That’s free enterprise.

But it is also wasteful and harmful to taxpayers and to much of the industry and the public interest.

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The industry voices talking to MHProNews about FEMA and related challenges are often in unison on one point: there is a better way for taxpayers, the public, for the MH Image, and for many professionals in the industry at large.

It’s a fine line to speak of promoting the MH Industry and free enterprise, yet also to say that the industry ought to be wise enough to learn from the past.  We’re walking that line today.

WeEitherDefineOurSelvesOrOtherDefineUsToIndustrysHomeownersDetriment-MastheadBlogMHProNwes

This Masthead blogpost isn’t blasting those who profited off of FEMA. This Masthead is saying there are better ways for all involved.

 

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A “Masthead” can mean in publishing, the editorial page. A ship’s masthead is the highest perch on that vessel. “You can see farther from the vantage point of the Masthead.” – The Elk.

 

Then and Now

Today’s manufactured home lenders are arguably profitable and more financially responsible.  Lessons learned.

That doesn’t mean all is perfect.

The CFPB, however well intended, has created as much or more harm as good, and it has cost taxpayers tens of billions in the process. The cost of the CFPB has been much even more in terms of lost economic benefits, caused by that agency’s implementation of Dodd-Frank.

The industry hasn’t successfully addressed CFPB, nor has it fully learned and applied the lessons of FEMA and disaster relief. 

There’s no doubt, the federal and state governments are doing much better than it did with Katrina and Sandy.

But there is room to improve.

Those improvements would save taxpayers money.

Improving FEMA might cut the wild profits of a few – short term – but they would lead to more sustainable profits for the many that could endure for years to come. 

It’s the difference between false and real profits.

It’s the difference between sustainable, long-term thinking and short-term money.

We’ll talk about the false prophets another time. Let me close by sharing my personal thank to the hundreds who’ve sent kind 9th anniversary ‘kudos’ messages.  ## (Commentary, news, analysis.)

LATonyKovachMHLivingNewsMHProNewsManufacturedHomeIndustryPublisherMarketingSalesTrainerConsultant-

Meet the Faces, Groups Behind Anti-MH Industry Activists, Protesters

July 21st, 2017 No comments

It isn’t a slam on anyone if they get blindsided. It has or will happen to us all.

But to be forewarned is to allow for preparation.

To ignore a sound warning is hubris, denial, wishful-thinking — or perhaps even incompetence.

There are statements, indicators, plus track records, that point to anti-MH Industry Activists who sources tell MHProNews are allegedly plotting to disrupt MHI’s Annual Meeting in Orlando in September.

Now, in an exclusive report – you can meet those faces and those activist groups.

See their history, record, and what they’ve already done to target MH companies, or to derail MHI’s stated agenda.

The latest in a highly cross-linked/referenced report, is found by clicking here.

We Provide, You Decide.” ##

(Images credits are as shown, and when by third parties, are provided under fair use guidelines.)

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Photo taken while Tony was questioning regulators in NY.

By L. A. “Tony” Kovach.

Mandamus! Magnificent May in MHVille, 2017

May 21st, 2017 No comments

Fight!

Fight!

Fight!

Example 1, of many possible examples.

Mandamus!

Mandamus –

Wikipedia › wiki › Mandamus

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

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Collage credit, MHProNews.com.

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

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

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

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

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

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

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

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

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

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

IfYouAreGoingtoBeThinkingAnywayYouMightAsWellThinkBigPresidentDonaldTrumpMHIndustryCommentaryMHProNews

Collage credit, MHProNews.com

Those profitable changes will come through a combination of:

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

·        Lobbying/Engagement (advocacy, education)

·        Marketing

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

·        Mainstream Media Engagement.

·        Trade media and services expansion.

·        Legal action.

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

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

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

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

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

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

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

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

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

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

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M. Mark Weiss.

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

 

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

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

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

 

MHVillage Announces New Industry Service
by RC Williams

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

 

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

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

 

Triad Financial New Program for MH Retailers
By RC Williams

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

 

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

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

 

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

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

 

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

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

 

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

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

 

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

M-MarkWeiss-MHARRPresident-ManufacturedHousingAssociationRegulatoryReform-posted-MHProNews-com-50x50-

M. Mark Weiss.

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

 

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

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

 

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

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

It’s axiomatic.  Read more …

 

ROC USA announce Partnership
RC Williams

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

 

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

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

 

 

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

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

 

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

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

 

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

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

 

State of the Race in Photos and Headlines

November 4th, 2016 No comments

The Race for the Oval Office 2016 in photos and headlines.

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We Provide, You Decide.” ©

l-a-tony-kovach-mhlivingnews-mhpronews-latonykovach-com-Kovach is the publisher and managing member of LifeStyle Factory Homes, LLC parent to MHLivingNews and MHProNews, and their various consulting and professional services. Kovach is among the most recommended/endorsed MH personalities on LinkedIn.

By L. A. ‘Tony’ Kovach.

Categories: Uncategorized Tags: ,