“Dark Money” “Conflicts” – Warren Buffett, Kevin Clayton, Urban Institute, Manufactured Housing Institute, Affordable Housing Report Revelations

February 3rd, 2018 No comments

 

DarkMoneyKevinClaytonWarrenBuffettMastheadManufacturedHousingIndustryMHProNews550

 

Buying into the manufactured housing industry today is like buying a stock that is significantly undervalued.

That’s what many believe. Count the Masthead’s industry veteran’s author among them. Buying into manufactured housing now is like buying a stock that is significantly undervalued, and is potentially poised for serious growth.

 

The odds are good to great that everyone reading this has:

  • an interest in manufactured housing, and
  • believes manufactured homes could play an important part of the solution for America’s growing affordable housing crisis.

We believe that too.

Those in the industry, investors, media, public officials, advocates, and researchers all have viewpoints, and many have questions.

While it would take time to ramp up to 500,000 or 1 million new manufactured homes a year, it’s doable with the correct resources, plus the kind of long-term commitment that Warren Buffett’s Berkshire Hathaway brands – along with other success stories in the industry – have achieved.

NewManufacturedHousing1trillion9PercentNew1percentExistingHomeSales2016CreditManufacturedHousingIndustryMHProNews

 

With savvy millionaire and billionaire believers in the HUD Code regulated manufactured home industry, why is the industry seriously underperforming?

That’s a question that the Urban Institute posed in a new report.  With four co-authors, the report makes some interesting, questionable and meh points.  It arguably failed to address several important points.

But what the Urban Institute (UI) obviously failed to do was hide apparent conflicts of interest, which went undisclosed in their reporting.

2018-02-02_1630UrbanInstituteManufacturedHousingIndustryAffordableHousingCrisisReportMastheadBlogDailyBusinessNewsMHProNews

One of those conflicts is ‘hiding in plain sight.’

 

Warren Buffett, “Lifetime Trustee” of the Urban Institute (UI)

InfographicSeeHowDarkMoneyFlowsBetwenNonProfitsOpenSecretsMastheadManufacturedHousingIndustryMHProNewsThey could claim at UI that the disclosure exists on their website, because Warren Buffett is listed as a Lifetime Trustee of the Urban Institute.

Buffett’s given billions to the Bill and Melinda Gates Foundation, which has paid millions to the Urban Institute. That’s how, says Open Secrets, so-called “Dark Money” flows.

While that dark money is often noted for political uses, it can clearly be used for research that in turn influences media, politics, business, advocacy, public officials, investments, and more.

So when four different co-authors at Urban Institute delve into a topic that so directly involves an interested party, one would think that one or more of those four would want to disclose that in their report itself, or as a footnote?  That’s what non-profit researchers are supposed to do.

 

ConflictsOfInterestGoogleMastheadManufacturedHouisngIndsutryDailyBusinessNewsMHProNews

Conflicts of Interest = COI.

 

Instead of disclosure, instead of full transparency, the opposite occurred with UI and their report.

According to sources who claim knowledge about the research at the Urban Institute, the report writers’ promised anonymity to an association and corporate interests who ‘vetted’ their research report.

Pardon me?

A manufactured home, built by Clayton Homes, is the report’s featured image. What were they thinking at UI?

And doesn’t that make their research at least appear to be at COI, and not much more than a higher class of one of MHI’s controversial paid advertorials?

 

Conflicts of Interest – COI

According to the facts presented, and uncovered to date, it implies the report has Berkshire Hathaway, Clayton Homes, 21st Mortgage, and the Manufactured Housing Institute’s finger prints all over it.

See the flash Daily Business News initial report, linked below.

 

“Follow the Money” – Controversial Urban Institute Report on Manufactured Housing

 

One need not be an attorney, journalist, or researcher to realize that it all smells of conflicts of interest.  While this writer isn’t an attorney, one concurred with our assessment. As with all of our reports, fisking, fact-checks, commentary and analysis, we encourage readers to do their own homework, and see for themselves.

That said, why where those apparent conflicts of interest not disclosed?

 

Begging the Questions…

That clear lack of transparency begs several questions.

  • Why not disclose their respective interests and involvements?
  • Who benefits from the UI report on manufactured housing?
  • What does the report steer people to look at, as they ponder the manufactured housing industry?
  • What does the report steer people away from looking at, as they research manufactured housing as an important solution for the affordable housing crisis? (Note:  HUD is one of the sources for revenue to UI.  We believe editorially that the Trump Administration and HUD Secretary, Dr. Ben Carson, ought to suspend all such payments throughout the federal government, until the dark money ties and conflicts of interest that are working against the public’s and small businesses are all cleared up.)

 

Non-Profits, Foundations and Manufactured Housing

When the topic of philanthropy was raised in the Kevin Clayton interview video, Kevin himself points to foundations and non-profits that they believe will be important for them.

Clayton’s video interview also points specifically at using manufactured housing as urban infill.

Research is often done by nonprofit organizations.

Reports they create are in turn routinely picked up by media, educators, policy advocates, investors, and government.

When investors with a long-term horizon, as Buffett has, third party research is part of what they study.  Kevin says so, in his own words, in the video.  Kevin also speaks about Buffett’s connections and sources of information.

 

Kevin Clayton Interview-Warren Buffett’s Berkshire Hathaway, Clayton Homes CEO

 

The Kevin Clayton Interview Video is a Road Map in Numerous Ways

The video laces together in Kevin’s own words the concerns and allegations over:

  • monopolistic practices,
  • how vital credit is to the industry,
  • how nonprofits and foundations are important and are part of their plan.

It’s the truth hiding in plain sight.

The Manufactured Housing Institute is a non-profit.

http://mhmarketingsalesmanagement.com/blogs/tonykovach/wp-content/uploads/2018/02/MHIAntiTrustWarningsInstructionsMastheadBlogManufacturedHousingIndustryDailyBusinessNewsMHProNews.jpg

Ignorance is no excuse. Forewarned is forearmed. MHI members would be wise to review the anti-trust warnings in the light of the reports linked from this page. A copy of those anti-trust warnings are found at this link, or by clicking on the MHI anti-trust warning, above.

NextStep, is at least in part, a non-profit.

So too the RV MH Hall of Fame, and the state associations which Clayton and 21st or other Berkshire Hathaway brands belong to as well.

GoldRulesTimWilliams21stMortgageCorpDailyB-usinessNewsMHProNews

http://www.mhpronews.com/blogs/daily-business-news/how-gold-rules-tim-williams-21st-mortgage-mhi-vp-state-execs-conference-call/

 

The Clayton video interview explains why with sufficient capital, the affordable housing solution indeed ought to include a heavy dose of manufactured homes.

When a non-Berkshire Hathaway, non-MHARR company CEO told MHProNews in Louisville last month that MHI’s work for many years “has made no sense,” that’s true from the vantage point of a non-Berkshire Hathaway brand, or from someone who isn’t part of their insider circle.

Manufactured Housing Institute VP Revealed Important Truths on MHI’s Lobbying, Agenda

MHI board members have during the Richard “Dick” Jennison era complained to MHProNews that that the Arlington, VA based trade group has become a “secret society,” or an “exclusive club” that only a handful actually have any say in governance.

FrankRolfeNegativeArticlesOnIndustryNoCommentbyManufacturedHousingInstituteMHIRVHorizonsMobleHomeUniversityPostedDailyBusinessNewsMHProNews

http://www.mhpronews.com/blogs/daily-business-news/frank-rolfe-blasts-mhi-for-poor-media-engagement-industry-reactions/

If these points, concerns, and allegations prove true, that’s problematic for the industry, and MHI members, on several levels.

Frank Rolfe: Pressured into Silence? Manufactured Housing Industry, and Journalism

We will boil it down to its essence.

Facts Matter – Mr. Obama’s “Alternative Universe,” Trump Admin, Investors & Politicized Manufactured Housing Data

We already noted on the Daily Business News that there are two great laws that manufactured housing benefits from.

Understanding these 2 existing federal laws, and having them fully implemented, would be major advances for public officials, those needing affordable housing, housing professionals, and investors.

McCrory Lawsuit – “Significant Victory Against Zoning Discrimination” – Manufactured Homes

Note that preemption was ignored in the Urban Institute report.  Why?

Two Great Laws Already on the Books NOW,  Can Unlock Billion$ Annually for Manufactured Housing Industry Businesse$, Investor$

We’ve noted that MHARR has raised concerns over the new class of manufactured housing that Clayton dominated MHI is pushing.

Sources at MHI and with Clayton homes told MHProNews that MHI’s public relations person has spent time at Clayton location(s). On MHI’s dime?  How is that fair to the association’s smaller members?

The videos that MHI produced benefit Next Step, a nonprofit that Clayton and MHI are both supporting.

Next Step is also part of the Duty to Serve (DTS) chattel (personal property, Home only lending) financing trials mandated by the 2008 Housing and Recovery Act (HERA).  Do you see the pattern of non-profits being used by Clayton, Berkshire, et al?

Manufactured housing already has enhanced preemption under the law. Why bother with a new class of home?

Harper – Thank You Rev Donald Tye, Fighting for Enhanced Preemption of Manufactured Homes

 

People still incorrectly call a manufactured home a mobile home, even though no mobile homes have been built for over 41 years.  Will a name change work, without education of the public on what manufactured homes are, versus the widespread image of them?  Isn’t it all just shadow boxing?  Making the industry think they are doing something, when they are buying time for more consolidation to take place?

 

Manipulated

The vast majority of the people I’ve met with a Berkshire Hathaway brand, or who are MHI members, are good folks.  We have connections with dozens of them.  Some are sources for MHProNews.

We have not at any time slammed the quality of Clayton’s products.  The vast majority of the folks I’ve met and know from Clayton, 21st, et all are fine people.

Our focus has been and will remain, what holds manufactured housing back? 

It’s the same question that the Urban Institute asked.

Berkshire Hathaway, directly and indirectly through political, regulatory, capital, nonprofits, et al has manipulated and allowed to be depressed the market for manufactured housing. They are doing so in ways that appear to be monopolistic.

Fraud, Class Action, CFPB-Warren Buffett, Berkshire Hathaway, Clayton Homes, Vanderbilt Mortgage & Finance, 21st Mortgage, Manufactured Housing Institute, and the Manufactured Homes Industry

Kevin Clayton has in his own words, dotted those i’s and crossed the t’s, about Buffett hating competition, and instructing the building of “the Moat.”

GoodBusinessStrongCastleMoatAroundItUntouchableWarrenBuffettQuoteMastheadManufacturedHousingIndustryDailyBusinessNewsMHProNews

So too has Warren Buffett.

“Perverse”–Warren Buffett-Dodd-Frank, CFPB, Manufactured Housing, Loans, Independent Businesses Fact Check$

We believe that there is plenty of evidence that the report from an award-winning MHI member to MHProNews was true when he said (paraphrasing), that ‘the big boys have figured out how to get the smaller companies to pay for what the big companies want.’  See that, linked here.

We also believe the pattern is there to support the claims of those past and present MHI members – along with others – who have told MHProNews how they personally have suffered from the monopolistic and other business practices of Clayton Homes, 21st Mortgage, et al.

Killing Off 100s of Independent Manufactured Home Retailers, Production Companies – Tim Williams/21st Mortgage “Smoking Gun” Document 2

 

Recommendations?

The industry’s post-production sector should forge a new trade association, as several have already advocated and are exploring.

Study Recommending New Manufactured Housing Association for Independent Retailers, Communities, Lenders, Others Released

There needs to be civil, administrative, and criminal inquiries made into these allegations involving MHI and Berkshire Hathaway, et al.

When Buffett, Jeff Bezos, and Jaime Dimon’s announcement earlier this week caused the markets to plunge, it is in the view of some analysts a warning shot across the bow of the Trump Administration.

Buffett, Bezos – Time Announcement to Drop Market Ahead of SOTU? Plus MH Market Update$

If so, that warning shot impacted investors.  No one should be above the law.

Arguably the most harmed are the mom-and-pop retailers and communities, along with any independently owned producer, supplier, or financial services company involved in manufactured housing.

Buffett became the biggest player in manufactured housing in 2003 with his first acquisitions.

Since the Kevin Clayton video interview was originally conducted, Clayton’s footprint in the industry doubled.  He did so using “the Moat,” financing, nonprofits, and other tools Kevin expresses in his own words.  Several of those are the topic of related reports, linked above and below as references.

TonyIWillNotBeTakingQuestionsFromThePressRickRobinsonMHISVPGeneralCounselMastheadMHProNews

There are reasons why Dick Jennison and Rick Robinson both ducked out on questions from a publication that is demonstrated it is pro-industry for years and years.

The Top Twelve Questions for Manufactured Housing Institute (MHI) CEO, Richard “Dick” Jennison

What are they hiding?

Expert’s NWS Statement Reveals Serious Problems in Tornado WARNINGS & Manufactured Housing Safety Data

Why are they even hiding from their members good news that they ought to be spotlighting?

RentVsBuyingHousingAnalysisWhatsBestKenHJohnsonPhDFloridaAtlanticUnivRealEstateEconomics-ManufacturedHomeLivingNews660

MHLivingNews and MHProNews have from the outset documented cases of good news for the manufactured housing industry. Why has MHI routinely failed to spotlight those good news stories for the industry to benefit from?   Learn more about the above at this link here.

 

Parting Takeaways for Today

Honorable, Non-Monopolistic Investors who take a long-term horizon view of manufactured and other forms of factory built housing ought to – and will – dive in.

Current Industry players who aren’t giants are the current best friends of a giant should demand action.

MHI needs to open its books, open its bylaws, and undergo a third-party forensic examination for conflicts of interest. We think there may be good reasons to disband the organization, as hopelessly corrupted (again, that’s not a slam on most members, but all must be aware of potential liability from maintaining their membership).

Fiduciary Responsibility to Corp Shareholders-MH Anti-Trust Concerns; Plus MH Market UPdate$

Berkshire Hathaway ought to face precisely what some have advocated, anti-trust action. That action should not be limited to Warren Buffett and his brands, because what happened last Tuesday was not the first or last time that billions of dollars in wealth could be wiped out by such market machinations.

The time for anti-trust civil, administrative and criminal investigations is long overdue.  Personalities across he political spectrum in and outside of manufactured housing say so.

Maxine Waters Statement, Preserving Access Manufactured Housing Act 2017, Warren Buffett, Clayton Homes

We believe that among the best ways to advance the industry is to expose MHI, and break up Berkshire Hathaway.

Until that happens, millions are being harmed, small business as being forced to sell for less than their value, or have been forced to close.

NothingIsChangedUntilItisChallenged-SoheylaKovachLATonyKovachTamasKovachDonaldTyeJr.575x238

Tony took the photo at the right.

Its an American tragedy.  It’s Dark Money Conflicts that are harming real business people, and everyday Americans.  These are our concerns.  We’ve laid out the facts, and just some of the evidence in the above. Given Kevin Clayton’s own words, plus the links, isn’t it more than enough?  We Provide, You Decide.” © ## (News, analysis, fact checks, commentary.)

(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 LinkedInhttp://www.linkedin.com/in/latonykovach 

L.A. 'Tony' Kovach, MHM - Publisher, Marketing Director and Industry Consultant
http://www.linkedin.com/in/latonykovach
Manufactured Home Marketing Sales Management trade journal
www.MHMarketingSalesManagement.com aka MHMSM.com aka MHProNews.com
tony@mhmsm.com
863-213-4090
 


Facts Matter – Mr. Obama’s “Alternative Universe,” Trump Admin, Investors & Politicized Manufactured Housing Data

January 26th, 2018 No comments

FactsmatterFormerPOTUSObamaHUDSecDrBenCarsonPOTUSDonaldJTrumpManufacturedHousingIndustryNewsMHProNews550

Former President Barack Obama recently said something relevant to the nation.  But it was particularly and profoundly insightful to manufactured housing professionals.

According to the Hill,Former President Obama said in an interview that Fox News viewers and NPR listeners are living on different planets in terms of what news they consume.

“If you watch Fox News, you are living on a different planet than you are if you, you know, listen to NPR,” Obama told David Letterman…The former president was referring to how the Russians were able to “exploit” different kinds of U.S. voters, who were “operating in completely different universes.

No matter what you thought of his politics and policies, Mr.’s Obama’s point is salient and timely for Manufactured Housing professionals, Investors, and Advocates.

“Alternative Facts,” “Different Universes” in Manufactured Housing

There have always been those who’ve distorted reality.

But in the 1980s, perhaps one reason Democrats and Republicans could reach more compromises is because there was arguably less of a tendency to completely ignore facts, or one would get called out for it.

You are entitled to your opinion,” quipped Daniel Patrick Moynihan per Goodreads,But you are not entitled to your own facts.”

There are today professionals in and outside of our manufactured home industry that rail against reality.

Many think they know a fact. Or they trust a source, without realizing that the source has changed.

Depending on the source or context, they could be mistaken, because “facts” have been so politicized.

We will use the Manufactured Housing Institute to make our point.

In MHI’s 1.25.2018 “Housing Alert,” one finds the following phrase, quoting:

As the only trade association officially registered to lobby on behalf of the manufactured housing industry in Washington, MHI will continue to work with the Administration’s key housing leaders and Congress…”

For those in the know, the first part of that sentence are code-words aimed against the Manufactured Housing Association for Regulatory Reform (MHARR). So, we asked MHARR to provide their take on MHI’s claim.  Here’s the meat of what they sent to MHProNews, quoting:

MHARR has been registered as an MH lobbying organization since 1985… The filing receipt for MHARR is attached.  This is all public record.”

A screen capture of MHARR’s filing receipt is below.

MHARRCongressionalLobbyingFilingDisclosureDailyBuisnessNewsMHProNews600

Facts matter. MHI’s claim that they are the only registered lobbying group in Washington is simply not accurate.

Huh? MHI is making a bold claim. They’ve made that same allegation repeatedly. It’s wrong.

Not true.

Many work at MHI, did someone fail to check before they repeatedly wrote their flawed phrase?  It was most recently used above, but used the day before as shown in the graphic below.  Who gets credit for their glitch?

Or did MHI simply make an assertion, because no one would likely check it out, to see if it was accurate or not?

MHINewsUpdate1242018ManufacturedHousingInstituteLogoDailyBusinessNewsMHProNews600

It that part of a pattern?  Let’s look…

Does MHI Politicize Facts?

We Provide, You Decide.” © The graphic below is from MHI. It’s about a piece of information that the industry’s members ought to care about. How many manufactured home communities (MHCs) are there?

ManufacturedHomeCommunitiesGraphicManufacturedHousingInstituteNationalCommunityCouncilDailyBusinessNewsMHProNews600

The red box reads “37,624 land-lease communities.” But Frank Rolfe says they’ve done a hand count, at 44,000. George Allen claims there are even more than that. Why did MHI publish the lowest number? Is it because MHVillage is a favored company?

MHI has three members who are all publishing on this topic. The statistics being used by MHI are those of their member MHVillage/DataComp; let’s call them the MHI favored insiders on this topic.

Frank Rolfe, Dave Reynolds, George Allen, Manufactured Home Community Controversy Continues

MHI member Frank Rolfe is not without influence, and George Allen is another member who likewise has a following.

  • Why is MHVillage data being used by MHI, when it is the lowest of the three competing sources?
  • Why MHVillage’s data, when Rolfe asserts in writing that they did a hand count that took them 2 years to complete, that shows 44k communities – thousands more communities than MHVillage does?
  • Doesn’t the lower MHC count harm the MH industry’s relative importance?
  • Is it a case of MHI politicized facts, based upon favoritism and agendas?

As a source at RV Horizon’s – one of Frank Rolfe’s operations – told MHProNews, lenders and investors want hard accurate data. They want to know.

Of course, the facts matter to investors.  They should matter to policy makers and everyone else too.

MHI has for some time published inaccurate information about the kind of financing and terms that are available for manufactured housing loans.  MHLivingNews did a report on that, linked below.  Award-winning Bob Crawford was asked to share his insights, which he gracefully did.

I’ve not recheck recently, but late in 2017, when we last looked – weeks after we brought the errors to MHI’s attention, weeks after the report above – the same MHI “fact sheet” was not updated on their website.  MHI still had the same errors. Why?  Was it because the facts they published were more useful to Berkshire Hathaway companies, such as Clayton Homes, Vanderbilt and 21st Mortgage?

MHI has a demonstrable pattern of what could be termed politicizing MH Industry information.

It’s done in a way that apparently favors some companies over others.

If one heeds what Warren Buffett has said – see his quotes in the column below – the chairman of Berkshire Hathaway counts on the fact that people don’t change habits easily, and that history is often ignored.

“Perverse”–Warren Buffett-Dodd-Frank, CFPB, Manufactured Housing, Loans, Independent Businesses Fact Check$

To rephrase, Mr. Buffett counts on others being superficial.  Meanwhile Mr. Buffett and his team are laser focused on facts, and how facts can be used to their advantage.

Superficiality-is-the-curse-of-the-modernWorldMatthewKellyQuoteFancyInspirationBlogMHProNews720

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

MHI also arguably have a pattern of telling most of their members and the industry-at-large one thing – via their emailed ‘updates’ and ‘alerts’ – but failing to mention key points, that are often highly important.

We know from various sources that MHI, Knoxville and others in their group closely follow what we publish.  We’ve seen emails that have been forwarded by MHI surrogates and allies.  We’ve contacted MHI and their executive committee directly numerous times.

They can’t legitimately claim not to know the above and what’s below.

They know.

Yet they fail to make changes, even after confronted with the facts.

Why?

Could it be that the longer the foot is on the MH industry’s break pedal, that more of the MH industry gets consolidated, at bargain basement prices?

Warren Buffett, “the Moat,” Manufactured Housing, Berkshire Hathaway, Clayton Homes, 21st Mortgage, Vanderbilt, Wells Fargo, NAI…

Why does this Matter to the MH Industry, Investors, or Public Officials?

Because MHI often buries their oversights, one would have to know what to look for – in some cases – to see the problem.

The Daily Business News will have a new report planned for today that relates to a follow up on the HUD’s announced top-down review.  In our inital report yesterday we cited Lesli Gooch’s otherwise fine letter to HUD.  But we also underscored her key oversight.  Gooch didn’t call for Danner’s removal.  Why not?  Arguably, with the wrong person at the helm, every other change you could propose would be moot. Others – including MHI’s most award-winning retailer – that we cited in the report linked below came to that same conclusion.  Danner had to go.  Why didn’t MHI get that reality years ago?

They knew.

MHI seems to have a pattern of posturing something, but omitting one or more key facts or points.  Currently, with respect to Pam Danner and HUD, they are failing to mention that for months, MHI would not take a public position on her role at HUD.  Why not?

We believe the answer is that heavy regulations harms independent producers, retailers and communities – among others. That in turn is useful to larger MHI member companies. Those independents, often wearied and financially stressed after years of fighting regulations, may finally sell out for less, or just go out of business.

Another example of MHI publishing misleading or errant ‘facts’ are linked below.

Community Co-Owner/Manager View On Richard Jennison and the Manufactured Housing Institute StatePoint Advertorial

MHI and their executive committee masters are arguably using government regulations as an indirect tool to consolidate the manufactured home industry.

If MHI postures opposing heavy regulation, but in fact fail to move the needle, they can ‘look good’ to members who are so busy, they may not realize what’s missing.  That’s how MHI are accomplishing the mission that their big corporate masters have in mind.

Perhaps that’s why MHI’s executive committee was happy to reward MHI CEO Richard “Dick” Jennison and others with a bonus and/or raise?  Even after MHI staff have demonstrably failed to accomplish any of their own major stated policy goals in years?

Busted! “Failure Bonus” Paid-Richard “Dick” Jennison, CEO Manufactured Housing Institute-per MHI Document$

Facts matter.

Reality matters.  Patterns of behavior matter.  We are pro-MH Industry, and have been so years before we began publishing.

This writer was praised by many of those same MHI connected people, right up to the point that we figured out what the devil was going on at MHI.

We figured it out over time, thanks in large part thanks to:

  • voices from within MHI,
  • from some within Berkshire Hathaway firms,
  • as well as other MHI member operations.
  • MHARR played a roll in that process too, because they’ve been consistent and clear on lobbying and policy positions that MHI flip-flopped on.

There are reasons why a pair of state associations quietly dropped out of MHI. Ditto some member companies. There are reasons why others would if they could, but MHI carrots and sticks exist. To see how those carrots-and-sticks work, behind the scenes to the majority of the industry, see the report linked below.

GoldRulesTimWilliams21stMortgageCorpDailyB-usinessNewsMHProNews

http://www.mhpronews.com/blogs/daily-business-news/how-gold-rules-tim-williams-21st-mortgage-mhi-vp-state-execs-conference-call/

There are reasons why MHI won’t debate in public, or won’t take our questions any more.

Keep in mind, MHI and their leadership used to respond rapidly and gladly to MHProNews.

TimWilliams21stMortgageCEOPresident-currentMHIChairman-onValueMHProNews-MHLivingNews-

But when we pressed them last February on the HUD regulatory overreach issue and Pam Danner’s role there, they rapidly ejected us from membership on a phony excuse.  That excuse?  Claiming they had discovered we are a news organization, and they had no such membership category. 

What? MHI did that via an unsigned letter, bearing nobody’s name. It’s bogus, because others in the industry also publish and have consulting, just as we do. Those others are still in, but we are not?  Pardon MHI’s obvious hypocrisy?

They didn’t want us in their meeting rooms.  Isn’t that the more obvious reason?  They didn’t want us to report – for example – on how Tim Williams/21st subverted the DTS process.

MHI then intensified their campaign against us, just as they have been campaigning against MHARR.  Is it a coincidence that MHARR members are getting bought out by larger MHI member companies?  Or that MHI’s messages – like the ones shown above – try to discredit MHARR.

FollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNews600

For those who watch the details, even though MHARR is a manufacturers association, aren’t they routinely more reliable than MHI?

Manufactured Housing Institute (MHI) Gives Written Responses – “Part of a Rigged, Corrupt System”

We’ll say it again.  The MHI system is apparently rigged and corrupt, as we said in our last Masthead post, linked above.

It may or may not be exactly what Marty Lavin or Frank Rolfe had in mind, but both have made points about MHI’s hypocrisy, and failures.

We are not alone, there are MHI board members among those who whisper and complain to us.

MHI members are among those who thank us for having the courage to stand up to the Berkshire Hathaway dominated MHI.

The Other Side of the Coin

That said, there are those who don’t like this kind of column or reporting.

A reader recently wrote saying we are trying to make Clayton Homes look bad.  I can’t think of a single comment we’ve made against their products. We don’t slam Clayton’s homes, or the thousands of good people who work for them.

A large portion of our readers work for a Berkshire Hathaway (BH) owned MH company. We have/do work with numerous client companies who use Clayton products, or lending from 21st,etc.

We stick with the facts – and once they are understood – where those facts take us.  That’s what media is supposed to do.  MHI, Clayton, or whomever is welcome to submit a rebuttal. We’ve invited it. Why don’t they?

Because one of the largest factors holding the industry back from robust growth has been a pattern of failure and misleading information that comes out of MHI.

We’ll draw to a close with former President Barack Obama’s quote, cited above.  He’s correct, but not quite how he meant it.

President Donald J. Trump routinely gets a raw deal from many in the mainstream media.  There are millions today who are de facto propagandized.  If the media had treated POTUS Obama as they are POTUS Trump, their would have been howls of racism, or some other slurs.

In one year of President Trump’s leadership, the economy has demonstrably improved, using policies that have been proven good by President John F. Kennedy (D) and President Ronald Reagan (R).  We supported the Trump campaign, based upon his platform and his track record of business savvy.  We opposed Secretary Hillary Clinton based upon her platform, and her track record.

The fact that people can become so habitualized and trusting – in this example, with MHI – explains in part how Warren Buffett can openly support Hillary Clinton, who vowed to protect Dodd-Frank as is.

TimWilliamsCreditLinkedIn21stMortCorpCEOManufacturedHousingIndustryMHIChairmanWarrenBuffettBerkshireHathawayChairman

The truth about MHI is in several ways hiding in plain sight. But the MHProNews exclusively obtained documents from Tim Williams speaks volumes. But only to those with an open mind to reality, vs. fantasy. 

Meanwhile Buffett’s MHI member and prior chair, Tim Williams can claim to be fighting to reform Dodd-Frank. In hindsight, its an obvious contradiction.

I understand why some have a hard time accepting this. Why?  Because frankly, it was hard for me to accept it too.  From early on, there were voices in and with MHI warning me about Jennison, BH, and later others.  I heard them, but wasn’t immediately convinced.

I want to apologize for the time it took us to realize just how corrupted MHI has become during the Jennison era. This isn’t personal, its professional.

Simple Summary

This can be simple. Is Jennison – and are MHI’s so-called leadership – good or bad for the industry? Do they benefit someone beyond the big companies, or favored firms like Clayton’s client, NextStep?

If they had nothing to hide, why are they so afraid of debating the issues in public via video, as we’ve been inviting them to do for about a year?

Facts matter.  Reality is what it is.

People are entitled to their own opinions, but they are not entitled to their own facts.

We had to be sure about MHI et al.  Thus, we’ve followed each case of misinformation from MHI as they arose, and we reported them accordingly. Collectively those cases, concerns and allegations add up.   The Kevin Clayton video interview laces it all together in his own words.  The video is nearly an hour long, and posted near the end of the report, linked below.

Kevin Clayton Interview-Warren Buffett’s Berkshire Hathaway, Clayton Homes CEO

Then MHI Chairman, Nathan Smith laughed about consolidation on camera.

Dick Jennison somberly explained to the industry, why it should grow slowly. Duh?

It’s the truth hiding in plain sight.

Sure – from the vantage point of the big boys – let the MH Industry get consolidated.  No wonder Jennison and others got an apparent raise and bonus. No wonder they duck debate with one of the few voices that have a platform big enough to matter to them.

Busted! “Failure Bonus” Paid-Richard “Dick” Jennison, CEO Manufactured Housing Institute-per MHI Document$

The future of the industry is potentially bright.

But it has been held back by either MHI incompetence, arrogance, or behavior whose outcome was big companies gobbling up little ones at a reduced price. To those who arguably got swindled, it was tragic!

GusRodriguezTejasHomesConroeTXIndustryVoicesDailyBusinessNewsMHProNews-e1516120612690

As independent business people ourselves – who have felt the betrayals of MHI et all, and have listened to the stories we’ve heard from others in the industry who were likewise betrayed – we would not be silent, once the pattern became clear.

TruthLiesFirstGetYourFactsStraightThenDistortThemAsYouPleaseMarkTwainMastheadManufacturedHousingIndustryNewsMHproNews

If MHI is telling the truth, if their track record is so strong, then why do they duck debate or honest discussion in public, via video, so all of the industry can see?

MHI makes mistake after mistake.  Just dumb luck?  Or does it benefit a few at the cost of the many? “We Provide, You Decide.” © ## (News, fisking, analysis, commentary, links to documents, allegations, comments from members, etc.)

Note 1: Thousands do it. For those industry pros, investors, and MH advocates who want to sign up to our industry leading headline news/updates – typically sent twice weekly – please click here to sign up in just seconds.

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

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We agree with Warren Buffett on the value of the lessons of history, reading and research. Without those deep insights, the wool can be pulled over other people’s eyes. We respectfully disagree with Mr. Buffett’s politics.

By L. A. “Tony” Kovach.

Kovach is the award-winning managing-member of LifeStyle Factory Homes, LLC,
parent to MHProNews, and MHLivingNews.com.
Both are #1 in their categories.

Kovach is one of the most endorsed and recommended MH industry professionals in all of manufactured housing.

L.A. 'Tony' Kovach, MHM - Publisher, Marketing Director and Industry Consultant
http://www.linkedin.com/in/latonykovach
Manufactured Home Marketing Sales Management trade journal
www.MHMarketingSalesManagement.com aka MHMSM.com aka MHProNews.com
tony@mhmsm.com
863-213-4090
 


Manufactured Housing Institute (MHI) Gives Written Responses – “Part of a Rigged, Corrupt System”

January 11th, 2018 No comments

MHICorruptRiggedSystemDailyBusinessNewsManufacturedHousingIndustryMHProNews

The Manufactured Housing Institute has finally provided a series of written responses to concerns raised by a number of industry members.

MHI did so to via an email to their members, as they ask them to renew their annual membership dues.

Let’s make this hyper-simple.

 

MHI is part of a Rigged, Corrupt System that has Enriched a few Big Companies at a High Cost to Thousands of Independent Retailers, Communities, Producers, and others in Manufactured Housing.

The rest amounts to details and commentary.

‘We Want Your Money’ – 2018 MHI Membership, Infographic Fact Check

America is in a well documented affordable housing crisis. Manufactured housing is misunderstood, but when approached by the open-minded, its revealed as an obvious solution that is hiding in plain sight.   So how is it possible that manufactured housing is doing so relatively poorly,

when the National Association of Realtors (NAR),

NAR’s Yun – No Quick Fixes Spell$ Manufactured Housing Opportunitie$

and the National Low Income Housing Coalition – citing HUD data – have both said that over 8 million housing units are needed?

NLIHC CEO Responds on HUD’s Worst Case Housing Needs Report, MH Leader Reacts

How could HUD – which is the primary federal regulator for manufactured housing – not make manufactured housing a center-piece of their solutions for the affordable housing crisis?

HUD’s Belated, Blustering “Promotion” of Manufactured Homes

If MHI is supposed to be the industry’s leader they arguably must be leading in a problematic, error prone and/or corrupt fashion.  That’s what’s been alleged by several of their own members, by others in the industry, from MHARR and by MHProNews editorially.  MHI has finally responded to those concerns in writing.

MHILogoManufacturedHousingInstitueLogoMHINewsUpdatesfMastheadIndustryCommentaryAnalysisManufacturedHomeINdustryResearchReportsMHProNews

MHI’s email to members yesterday has a number of written ‘responses’ to concerns from industry members (MHI didn’t name anyone specifically). Do yourself a favor. If you have any doubt that they are ducking, and dodging, read their reports, then read our reports linked below. See if they’re response actually addresses the issues raised by their own members, MHARR, others in the industry or MHProNews editorially. “We Provide, YOU Decide.” The other option – is MHI’s president and CEO, Dick Jennison, should agree to discuss/debate these issues in Louisville next week. He’ll be there, we will be there too. Why not? If they are right, why not discuss/debate in front of a live audience and video cameras?

So let’s spotlight the top lines of their document that is supposed to respond to the industry, and then underscore the obvious.

MHILogoManufacturedHousingInstitueLogoMHIHiresNewStaffMastheadIndustryCommentaryAnalysisManufacturedHomeINdustryResearchReportsMHProNews

MHI is part of a Rigged, Corrupt System that has Enriched a few Big Companies at a High Cost to Thousands of Independent Retailers, Communities, Producers, and others in Manufactured Housing.

There are several among their own current and past members who believe that allegation to be so.  In MHI’s emailed responses yesterday, they utterly failed to address the meat of their specific concerns.

ManufacturedHousingInstitute2017SnapshotFactchecksDailyBusinessNewsMHProNews-1-768x711

MHI – for those who know debating tactics – arguably used the old debater’s trick of appearing to answer, casting dispersion on their opposition, while ducking the key questions.

MHI entered a written debate.

Will they now take up our challenge for a verbal debate next week in Louisville?

Will their president accept?  Or will Richard “Dick” Jennison publicly duck questions, as Rick Robinson publicly did in Deadwood, 4 months ago?

RickRobinsonTonyIWillNotBeTakingQuestionsFromThePressMastheadBlogDailyBusinessNewsMHProNews

Duck, dodge, distract, detract, and defame. What are they hiding? Why not do an authentic, public discussion that is also video recorded? If they are correct, they have nothing to fear. If they are hiding things, then they have every reason to keep making excuses to the industry and their majority of their own members. “Sunshine is the best disinfectant.” Let the light shine on MHI, open up their books, their records, their emails, their meeting minutes. All of it.

 

Manufactured Housing Institute (MHI) SVP Rick Robinson Ducks Serious Industry Questions in Deadwood

Will MHI try to keep MHProNews from videoing their “presentation” in Louisville, to keep us from showing thousands of industry pros what they say, and what it really means?

More Are Waking Up to the MHI/Berkshire Hathaway Game

MHI apologists may never agree, but there has already been plenty of evidence, enough for objective, thinking professionals.

If MHI had serious, substantive answers, they would have given them, right?

Instead – MHI ducked, dodged, distracted, detracted, and defamed.

The rest amounts to details and commentary.

We’ve used the word allege because it’s the proper phrase.

EricBelksyManufacturedHousingIndustryManufacuredHomeManufacturedHousingInstituteResearchDataAffordbleHousingMHProNewsDailyBuisnessNews575

MHI cited Belsky, as was previously reported by the Daily Business News. Have they’ve since overlooked or forgotten him? Or is that Belksy’s research and statements lead to problematic issues for MHI and Berkshire Hathaway?

At the same time, MHProNews and others have provided the industry’s investors, business owners, and thinkers with

  • documents,
  • direct quotes in context, positions they had to do u-turns on, under pressure,
  • and a track record of MHI’s documented failures and missteps.

MHI’s responses can be fisked in more details in the days ahead. But let’s keep it simple today.  Here’s the executive summary of the claims against them. There’s much more, of course, but if they could answer these issues – they’d go a long way in regaining credibility.

If they can’t or won’t answer these, that should be a RED FLAG for the industry.  The graphic below – if used as is – may be shared with others.  Immediately afterwards, there is the searchable text of the same material.  That will then be followed by links to the issues the bullets below raise.

MHProNewsMastheadDailyBuisnessNewsMHProNews

So long as this graphic is used without alternation, authorization to share this is hereby granted. If MHI wants to fact check and reply substantively to the above and what’s linked below, by all means, let them have at it.

 

They ducked the specific and numerous allegations against them.

Instead, they call for ‘industry unity.’  They showed a flashy chart, hoping no one would fact check it.

We already did.  It didn’t take long. Because MHProNews already knows several of the facts that they’re trying to hide. See those graphics from MHI with our thumbnail analysis, above.

 

Executive Summary of how the Rigged, Corrupt Manufactured Housing Institute System Works, and How it Benefits Berkshire Hathaway Brands – Clayton Homes, 21st Mortgage, Vanderbilt Mortgage – in Manufactured Housing, Plus some other Favored Companies.

We can summarize how the rigged, corrupt Manufactured Housing Institute (MHI) system works like this.

  • Warren Buffett – chairman of Berkshire Hathaway – supports heavy regulators, like Barack Obama and Hillary Clinton.
  • Berkshire Hathaway – with brands such as Clayton Homes, 21st Mortgage, Vanderbilt and others – dominates the Manufactured Housing Institute (MHI), through dues and the executive committee.
  • MHI postures that they’re ‘fighting’ heavy regulations. But in fact, MHI has often supported new regulations (DOE), and supported heavy regulators – e.g: Pam Danner/HUD, etc.
  • On CFPB and the Preserving Access to Manufactured Housing Act, MHI postures wanting to pass the bill. But they declined an opportunity years ago to get the MLO rule lifted by agreement with the CFPB and non-profits. Who was harmed? Independents. Who benefited? Thousands of small companies struggled, faded, or sold out at a reduced value.  The big companies win. The big firms benefit by allowing the regulators to stay in place.  See Hoya Capital/Seeking Alpha data, report, and analysis. NAM, NAHB, and others have done similar research, with similar conclusions. ‘Sam Zell’s math’ previously reported, points to the same outcomes of heavy regulations that go unmitigated.

 

  • On Preserving Access, MHI counts emails or House passage, but ignores the lack of actual progress, which is the signing of a bill. By the time the bill passes (if it ever does), how many businesses have since sold out for less, or closed down?  Answer: Hundreds, if not thousands.
  • On the Duty to Serve (DTS) by the GSEs and chattel lending, 21st President/CEO Tim Williams (then MHI chairman) is on record saying it was a “waste of time.”
  • Williams admitted in front of a few dozen MHI members that they didn’t provide the GSEs the data they requested. In turn the GSEs used a ‘lack of data’ as their reasons for not doing a more robust DTS program. As MHARR reported, that’s a gift to Berkshire Hathaway’s brands, while harming consumers and independent communities, retailers, and producers of HUD Code manufactured housing.
  • MHI has failed for years to robustly and routinely defend the industry when it comes under unjust attack in media or research. Negative news about manufactured home communities, lending, storms, etc. are widely seen by industry members as one of several causes for the industry’s relatively low sales levels.
  • MHI was given several options other than Berkshire Hathaway brands to provide more lending to the industry. MHI leadership were introduced at the Introduction to Manufactured Housing Opportunities Day to those options.  They were introduced at trade shows.  How many of those alternative solutions did MHI embrace and promote?  Per our sources, zero.
  • MHI’s new videos promote exactly 4 favored, insider operations. What about the rest of the industry? What about the rest of MHI’s own members? In essence, MHI is promoting select members and all of the other members are paying for it.
  • All of this fits the Warren Buffett’s “the Moat” principle.
  • The monopolistic practices of MHI has been lamented across the political and economic spectrum. Examples are Democrats pushing CFPB and DOJ investigations of Berkshire Hathaway and their MHI mouthpiece.  Or pro-consumer, pro-business MHARR implying the monopolistic practices too.  CFED (rebranded Prosperity Now), NMHOA on the left – to past and current MHI members, such as Marty Lavin, Frank Rolfe, George Allen on the center/right have underscored several of these same points.
  • These bullets fit the facts from various MHProNews and MHARR reports over the course of several years.
  • None of these bullets were refuted by MHI’s recent, written response of 1.10.2018.
  • In fact, by calling for “industry unity,” they de facto point to how contraction leads to unity, but in the hands of the few.
  • Several of MHI’s pivots have only come after months or years of critiques by their own members, MHARR, others outside of their organization, and MHProNews/MHLivingNews. Once they pivot, they pretend as if that was their position all along.
  • This is in keeping with Warren Buffett’s stated belief that most don’t think long term and don’t learn the lessons of history. See links, quotes in “Perverse.”

Summary of the summary.

By routinely failing at protecting, educating and promotion of the industry,
by allowing a crunch of the historic credit (including owner financing/rent-to-own) options,
the industry shrank, benefiting the few.  Meanwhile MHI is touting their efforts.

Thousands do okay, fail, or are forced to sell. How is that possible in an era when over 8 million affordable housing units are needed, per NAR and the NLIHC?  How can some organization – given the industry’s legal benefits under enhanced preemption, and if Duty to Serve were both robustly enforced – how could some ‘professional’ organization do so poorly, so consistently?  Are they just poor at performance, or do their puppet masters benefit regardless if they get regulatory relief, or not?

LifeStyle Factory Homes, LLC 2018.  All rights reserved, but sharing as is, without alterations, is hereby authorized. 2018 ©.  LifeStyle Factory Homes is the parent company to MHProNews.com and MHLivingNews.com.

Credit is the lifeblood of housing.” – Eric Belsky

There are multiple reasons to expect manufactured housing to do better than site built housing in the [current] decade.”

– Eric Belsky
Executive Director Joint Center of Housing Studies at Harvard University.
Second quote from May 2000 issue of Modern Homes Development, per MHI.

— 30 —

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

MHI failure to help the industry thrive might be summed up in this one chart. There are a number 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.

ManufacturedHousingIndustryShipmentsMastheadDailyBusinessNewsMHProNewsFollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNews600

Warren Buffett, “the Moat,” Manufactured Housing, Berkshire Hathaway, Clayton Homes, 21st Mortgage, Vanderbilt, Wells Fargo, NAI…

Maxine Waters Statement, Preserving Access Manufactured Housing Act 2017, Warren Buffett, Clayton Homes

Newspaper Names Clayton Homes, Clinton Foundation, Hillary Clinton In “Swamp After Storm” Post-Disaster “Corruption”

Bank Vault Door Closes on Manufactured Housing Lender

SamZellManufacturedHousingIndustryManufacturedHomeCommunitiesMastheadIndustryCommentaryMHProNews

Related report, linked below. http://www.mhpronews.com/blogs/daily-business-news/els-sam-zell-compliance-costs-destroys-smaller-businesses-consolidation/

Killing Off 100s of Independent Manufactured Home Retailers, Production Companies – Tim Williams/21st Mortgage “Smoking Gun” Document 2

“Perverse”–Warren Buffett-Dodd-Frank, CFPB, Manufactured Housing, Loans, Independent Businesses Fact Check$

HUD’s Pam Danner Announces former MHI VP Lois Starkey Joining HUD

GSE’s Duty to Serve MH Rigged, Benefits 21st, VMF, Clayton, Buffett’s Berkshire, Harming Consumers & Independents, per MH CEO, Calls for Congressional Investigation

Shake Up at HUD Manufactured Housing Program May Stop Industry Overregulation, per MH State Association

 

Warren Buffett supported POTUS Barack Obama’s candidacy.  Obama’s administration gave us Dodd-Frank. Buffet also supported Sec. Hillary Clinton, saying he believed in her policies.  How could Tim Williams oppose his own boss?

TimWilliamsCreditLinkedIn21stMortCorpCEOManufacturedHousingIndustryMHIChairmanWarrenBuffettBerkshireHathawayChairman

There are several one-liners that MHI should try to answer. Warren Buffett, left, supported Hillary Clinton, who supported Dodd-Frank. Duh? Who does MHI think they are fooling? Credit Wikipedia. Tim Williams, right, credit, LinkedIn. Collage credit, MHProNews. http://www.mhpronews.com/industry-news/industry-in-focus/is-tim-williams-21st-mortgage-ceo-mhi-chair-at-odds-with-berkshire-hathaway-chairman-warren-buffett

“What the Hell?” “The Audacity of Hope” – Obama, Trump, Presidential Promises Kept, & MH

Misusing the legal system, says the Star Tribune in a report linked below, can be a criminal as well as a civil offense.

ICE Raids Ramping Up Nationally, MHC Arrest, & Manufactured Housing Employers Alert

There have been several accusations of monopolistic practices by MHI in favoring Berkshire Hathaway, and possibly others. The article below explains is that too could result in triple damages civil suits, and/or criminal penalties.

Lawsuits for Triple Damages – Anti-Trust, Anti-Monopoly Law, Manufactured Housing, and You

“Self-Evident Truths,” America, Investments, and Manufactured Housing

How can MHI’s president, or other senior staff, look at any industry member with a straight face, when Andy Gallagher apparently felt intimidated about possibly appearing to be taking a position different than MHI?

 

Andy Gallagher, “Ousting” Pam Danner, MHI, Clayton’s RVP, WVHI – “Transparency”

Manufactured Housing Institute VP Revealed Important Truths on MHI’s Lobbying, Agenda

There’s more, sadly, but true.  Let MHI try to fact check the above, instead of gloss over and then put their hands out, asking for money, when they’ve been accused of being complicit in the destruction of the value of thousands of manufactured home industry businesses.

Frank Rolfe: Pressured into Silence? Manufactured Housing Industry, and Journalism

It’s past due time for a debate.  They’re feeling the heat from MHARR, MHI members, and a number of others.

‘We Want Your Money’ – 2018 MHI Membership, Infographic Fact Check

If they managed to kill me tomorrow (not saying they will, or that they want to – just for dramatic effect – to make the point) or otherwise try to silence MHProNews, the evidence is still here on MHProNews, on MHLivingNews, with MHARR, and others quoted on our pages.

There are already, per Democratic lawmakers, investigations underway.

Why pay dues to a failing, sinking ship? Want more of the same?  It’s your money, your time.  Go right ahead.  It’s America.  But mark my words.  MHI is part of a rigged, corrupt system.  Let them debate me in public and prove me wrong in Louisville. ## (News, fisking, analysis, commentary, links to documents, allegations, comments from members, etc.)

We Provide, You Decide.” ©  (News, fact checks, analysis, commentary.)

Note 1: Thousands do it. For those industry pros, investors, and MH advocates who want to sign up to our industry leading headline news/updates – typically sent twice weekly – please click here to sign up in just seconds.

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

ThereAreOnly2WaysToLearnOwnOthersExperiencesLATonyKovachManufacturedHousingIndustryMHProNews

We agree with Warren Buffett on the value of the lessons of history, reading and research. Without those deep insights, the wool can be pulled over other people’s eyes. We respectfully disagree with Mr. Buffett’s politics.

By L. A. “Tony” Kovach.

Kovach is the award-winning managing-member of LifeStyle Factory Homes, LLC,
parent to MHProNews, and MHLivingNews.com.
Both are #1 in their categories.

Kovach is one of the most endorsed and recommended MH industry professionals in all of manufactured housing.

L.A. 'Tony' Kovach, MHM - Publisher, Marketing Director and Industry Consultant
http://www.linkedin.com/in/latonykovach
Manufactured Home Marketing Sales Management trade journal
www.MHMarketingSalesManagement.com aka MHMSM.com aka MHProNews.com
tony@mhmsm.com
863-213-4090
 


“Self-Evident Truths,” America, Investments, and Manufactured Housing

January 7th, 2018 No comments

ClaspedHelpingHandsMostMenNeverConsideredWhatHomeIsThoreauVagabondTreasureChestMastheadBlogManufacuredHousingIndustryMHProNews

Think about the following realities.

History is so important, that scores of ideologically bent individuals are willing to twist history, in order to influence you, and your fellow citizens.

As an analogy, if a corporation filed deliberately false data with the Securities and Exchange Commission (SEC), upon conviction, that crime can bring prison, and monetary penalties. 

Why don’t more draw a parallel to lying about publicly traded business facts – which are a kind of history – to lying about social, economic, spiritual, and political history? 

Millions today are influenced by propaganda, twisted facts.

Millions are born or led into various beliefs that rely on twisted history.

History is the dramatic, inspiring, and true story of the struggle for freedom. 

That struggle for freedom isn’t just from a foreign power.

Freedom is often a struggle against forces within one’s own country. Or within one’s own profession.

GhostGunsMastheadBlogDailyBusinessNewsManufacturedHousingINdustryMHProNews

Pick almost any issue you’d like, which is highly polarized, like guns (or Manufactured Housing). With 20,000 gun laws on the books, some of the worst violence is found in cities with the most gun control. On any issue, including those that impact our industry – “Do unto others, what you’d want others to do unto you” is far more reasonable, isn’t it? Photo credits WSJ, Bing.

Education – The Road Less Traveled for Taking Back Your Industry, and the America Dream

Step back in time to what Christmas reminded us of, the birth of the Jewish baby, Jesus ‘the Christ.’

Jesus’ words and deeds were so potent, that His followers eventually upended the powerful Roman Empire, and changed the entire course of human history.

Previously, the course of history routinely tended toward slavery. Jewish history reflects that struggle.

So it’s fitting that the Jewish Jesus bent that trend-line away from slavery towards authentic human freedom. Properly understood, every vice or sin is a form of slavery, and every virtue is a form of freedom.

The freedom Jesus offered is all encompassing.

That freedom included spiritual, social, and property rights, which also means economic rights

Rights are interwoven. Truth is all-encompassing. Truth includes business, science, all forms of reason, learning, and faith.

America’s founders – for whatever flaws they had, and we all share their weaknesses too – understood that reality.

AugustRodinThinkerForegroundSalvadoreDaliMichaelegeloCreationTheGleanersMastheadManufacuturedHousingIndustryMHProNews

Auguste Rodin’s “The Thinker,” foreground.

The founders knew the lesson of history that morality, law, and justice had to be undergirded by the ethics born of faith.

Secular humanism, ‘political correctness,’ and socialism are not the same things.  But they have this in common. They deny or disparage certain truths.  Many truths are grounded in or are interwoven with a spiritual truth.

When someone has been brow beaten by a secularized society into silence or submission, that’s a warning sign.

When an eternal truth is silenced in favor of a false claim or tenant of secular humanism, political correctness,’ or socialism – it’s time to ask – what’s going on?

Jesus wasn’t politically correct. Jesus was merciful to sinners, but publicly rebuked those who led others into sin and error.

Jesus wasn’t a socialist. Jesus’ apostles and disciples allowed possessions to be freely given, but no one was forced to give anything (Acts 5:1-11).

Robbed of the Best of our Common Heritage

All are given equal rights by God. But equal rights aren’t an equality of gifts, nor equal outcomes.

America’s Declaration of Independence specifically cited God.

We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.”

Jefferson was influenced by John Locke, who wrote that governments are instituted to secure people’s rights to life, liberty, and property.’

The Declaration was idealistic on many levels, because governments are usually institutions of power over their own citizens.

America uniquely embraced a Constitutional concept of defining, and thus limiting, the power of government.

By limiting governmental power to specific areas, that protects citizens’ maximum freedom.

There’s always been tension between people, and governments. That tension is the mighty attempting to lord over the weak.

If someone takes your property, opportunities, or rights by force, deception, or threat, that’s a crime.

What several thinkers came to realize before and after America’s founding is that if governments wrongfully deprive people of rights and property, that’s immoral.

To restore our industry and America, one must first understand what made our society – not perfect, but better – than almost anything before it in history.

That restoration of the American Dream would never have occurred by following deceptive Hillary Clinton, and the power hungry who knowingly supported her.

Millions were manipulated into thinking Clinton was some heroic figure. Nonsense! Pure propaganda.

But we don’t fault the manipulated. Rather, we should all point the finger of accountability to those who knew how they manipulated millions of our fellow Americans.  None of the candidates was or ever will be perfect; but arguably Donald Trump was far more self-revealing, and he’s delivering on his campaign promises, one-step-at-a-time.

Our industry has been throttled by misinformation, and manipulated by governmental entities. 

Correcting the record on manufactured homes is an educational matter.

Education may appear at times to look like marketing, and might work something like – or better than – marketing.

Any educational effort must extend to what led to our profession’s currently low state of affairs. That’s a matter of understanding – and sharing – authentic history.

You, myself, and all those alive today share this in common. We’ve been correct on certain things, but wrong about others.

Wisdom and humility suggest that once an error has been discovered, that the falsehood be dispelled.

Faith, freedom, and education are interwoven. Do you want the land of opportunity to thrive, an live up to its potential? Then all truths – including historic, economic, spiritual, and political must be embraced. We must stand up for the legitimate rights of others, and in historic America – we can do so.  ‘He lives twice who benefits from both the past, and the present.’ ## (Historic reflections, news analysis, commentary.)

More links for references may be added, later, but this one is a good place to start.

Ladies – Love, Lunacy, Leadership, and those “Laddies”

LeadersGraspNettlesHealthProfessionalHomeSeekersWisdomWeeklyRecapMHProNews

https://www.manufacturedhomelivingnews.com/leaders-grasp-nettles-health-professional-and-home-seekers-wisdom/

Warren Buffett, “the Moat,” Manufactured Housing, Berkshire Hathaway, Clayton Homes, 21st Mortgage, Vanderbilt, Wells Fargo, NAI…

Terry Decio, Skyline Homes, “The Secret” – The Rest of the Story

ThereAreOnly2WaysToLearnOwnOthersExperiencesLATonyKovachManufacturedHousingIndustryMHProNews

We agree with Warren Buffett on the value of the lessons of history, reading and research. Without those deep insights, the wool can be pulled over other people’s eyes. We respectfully disagree with Mr. Buffett’s politics.

By L. A. “Tony” Kovach.

Kovach is the award-winning managing-member of LifeStyle Factory Homes, LLC,
parent to MHProNews, and MHLivingNews.com.
Both are #1 in their categories.

Kovach is one of the most endorsed and recommended MH industry professionals in all of manufactured housing.

L.A. 'Tony' Kovach, MHM - Publisher, Marketing Director and Industry Consultant
http://www.linkedin.com/in/latonykovach
Manufactured Home Marketing Sales Management trade journal
www.MHMarketingSalesManagement.com aka MHMSM.com aka MHProNews.com
tony@mhmsm.com
863-213-4090
 


Terry Decio, Skyline Homes, “The Secret” – The Rest of the Story

January 2nd, 2018 No comments

TerryDecioTimeMagazineCoverTheSecretTopSecretManufacturedHousingIndustryMastheadMHProNews575

I’m tired of being the best kept secret. I’m ready to help house America.” – Terry Decio, Skyline Homes, to MHProNews.

What happened?

The Rest of the Story, 1…

Several of the brands that the industry knows today are not the same brand as they were a decade or more ago.

Palm Harbor. Fleetwood. Champion. The prior versions all went into bankruptcy, and later were reborn under a different structure.

But they are far from alone.

Literally thousands of manufactured home operations, including, but not limited to:

  • Retailers (dealers),
  • Land lease Communities (a.k.a manufactured home communities, “parks”)
  • Producers (builders of federally regulated HUD Code manufactured homes, some build modular, park model, or other products too),
  • Lenders/Financial Services, and
  • a variety of other products, service, and component providers

have either gone out of business, or sold out to a larger/deeper pockets operation.

What happened?

 

Business Cycle, or…

Businesses start and fail every year. That happens for a range of reasons.

The question in manufactured housing ought to be this. Did numbers of the wave of thousands of failures/consolidations get an unethical/illegal shove to help them exit?

If so, how was that done?

 

The Rest of the Story, 2…

MHI’s SVP and General Counsel Rick Robinson publicly, and MHI in writing, have referred to our manufactured housing trade publications as news sources.

TonyIWillNotBeTakingQuestionsFromThePressRickRobinsonMHISVPGeneralCounselMastheadMHProNews

Trade media, as with all of the mainstream press, can include News, Analysis, and Commentary. On this Masthead, publisher’s blog, you find all three.

Claims, controversies, and allegations ought to be tested by reason and known facts.

We don’t publish capriciously, knowing that an error could be embarrassing. Still, readers should question, us and those we publish about.

Ask questions. Seek the truth. Such issues impact your business and bottom line.

We’re not a court of law, but fully expect to be called to testify under oath to a variety of matters that impact the manufactured home industry.

LegalGavelLawMastheadBlogManufacturedHousingIndustryMHProNews

While courts won’t compel testimony about confidential, protected sources, they can ask about the reports themselves. The day is coming, we believe, when that takes place.

There will no doubt be lists.

Who did what?  Who supported, or opposed, what? Why?

Where laws broken?

Were steps taken that create legal exposure or liability:

  • for the national association (MHI),
  • its members,
  • or those who control it?

 

What Happened to Manufactured Housing?

While there are a range of factors, we believe in what’s obvious. What facts and common-sense reveal. There’s no need for a complex conspiracy theory.

Warren Buffett’s Berkshire Hathaway took over Clayton Homes, Oakwood Homes, related lending, retail, and later other production, service, supplier businesses too.

Mr. Buffett’s a self-proclaimed, long-term thinker, and he likes “moats.”  Just consider what Buffett said, in his own words, and line that up with what’s happened in manufactured housing.

Warren Buffett, “the Moat,” Manufactured Housing, Berkshire Hathaway, Clayton Homes, 21st Mortgage, Vanderbilt, Wells Fargo, NAI…

 

“Perverse”–Warren Buffett-Dodd-Frank, CFPB, Manufactured Housing, Loans, Independent Businesses Fact Check$

The executive committee and dues structures of the Manufactured Housing Institute (MHI) make it clear that Berkshire Hathaway owned units exercise great influence at MHI. That control is widely known, in and out of our industry.  It’s just that few in manufactured housing (MH) dare say plainly and publicly that MHI is Berkshire Hathaway’s mouthpiece.

MHI, on issue after issue, has led the industry into dead ends, or avoidable, and even problematic places.

Who says?

  • Their former chairman, Nathan Smith, in a video that’s been hiding in plain sight. He voluntarily said that MHI had failed in the past at being pro-active.  The beginning and end of this video that follows are perhaps the key takeaways from 2:16 seconds.

 

  • Their former Government Relations Vice President (Later SVP), in an on-the-record statement he sent to MHProNews.

Manufactured Housing Institute VP Revealed Important Truths on MHI’s Lobbying, Agenda

  • Their former president, before exiting, in a written statement that may be more interesting today then the day it was first published in the Journal.
    ChrisStinebertManufacturedHousingInstituteMHIPresidentCreditTheJournalManufacturedHomeProfessionalNewsMHProNews

    While what Stinebert said is interesting, what may be more interesting is that he waited to exit MHI before he provided this list of concerns. Isn’t that a de facto admission that these issues – lending, image, education, etc. – are those that MHI failed to properly address? Click to download.

Then, there’s a range of comments by MHI members, researchers, attorneys, and others. Those statements, published on or off our sites, speak for themselves.

 

The Latest

MHProNews has learned from an informed source that MHI has executed non-disclosure agreements (NDA), allegedly with several MHI staffers.

What is MHI hiding?

Who are they hiding that information from?

MHI members?

MH Industry at large?

Public officials?

Are they trying to hide something that is scandal related, and/or something else?

Sexual Harassment-Not Just Hollywood, Media, Politicos-Manufactured Housing Workplace Claims, High Profile MH Cases Too?

Keep in mind, that MHI refused to release to this publication even items that sources tell us they are legally obligated to do so.  Items like their current and previous bylaws.

Why hide that, someone might ask?

With their bylaws in hand, one might be able to understand revealing issues.  For example, have their been prohibited conflicts of interest – that may have harmed other MHI members, and/or the industry at large?

Millions have been spent and years wasted pursuing the Preserving Access to Manufactured Housing Act.

In hindsight, isn’t it obvious that it would never pass while Barack Obama was president? Didn’t MHI’s own VP said as much, years in advance? Again, see the link to MHI GR VP, Jason Boehlert, above.

We have documents from 21st Mortgage, signed by Tim Williams.  Mr. Williams was MHI’s chairman for years.

Killing Off 100s of Independent Manufactured Home Retailers, Production Companies – Tim Williams/21st Mortgage “Smoking Gun” Document 2

No one has claimed these 21st documents aren’t authentic.

In fact, we have dozens within Berkshire Hathaway owned units – including their top people – who we are reliably told have carefully reviewed those report, and the others in our periodic series of reports on MHI and Berkshire Hathaway.

We’ve given

  • MHI,
  • their executive committee,
  • and top people at Berkshire Hathaway owned brands the
  • chance to rebut, clarify, or refute our reports and analysis.  We’ve invited them to share statements on these issues that we’d publish.

Field Reports – Clayton to Continue Push for Industry Dominance

After years of MHI publishing or commenting with us, about a year ago, they largely stopped even answering questions.  Why?  Is it because their own words have so often pointed a finger against their own actions?

“Accurate, but Misleading” MHI Preserving Access to Manufactured Housing Act Alert – ‘Weaponized New$,’ Fact Check$

Don’t be surprised if they publicly push back in 2018.

At some point, don’t they have to, to keep their consolidations going?

NewManufacturedHousing1trillion9PercentNew1percentExistingHomeSales2016CreditManufacturedHousingIndustryMHProNews

For the 400 word executive summary, click the above.

MHI et al have already pushed back privately to our allegations and reports, in a variety of ways that we have documented for the appropriate time.

AllTruthPassesThrough3StagesRidiculedViolentlyOpposedAcceptsSelfEvidentArthurSchopenhauerQuoteGalleryMastheadBlogManufacturedHousingIndustryMHProNews

EveryoneIsEntitledTotheirOwnOpinionsButtheyAreNotEntitledTotheirOwnFactsDanielPatrickMoynihanMHLivingNews

What Happened, Part Three

We rely on industry inputs and insights. So, we don’t write or do videos out of thin air. We’re followed by businesses and professionals across the size and political spectrums, in part because we’ve got the “street cred,” as one executive put it.

MHI has significant influence over state associations.

So, MHI “housing alerts” or “MHI News” they send to their own members are also arguably “weaponized” to reflect whatever the insider groups want, and reach well beyond their own membership.

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

As an MHI connected source told us last year the following bombshell. The big companies have figured out how to get what they want, by using MHI – and the smaller companies are helping pay for what the big firms desire.

We’ve observed that previously, ‘Feeding the hand that bites yours,’ but to hear it as an admission from an insider, that’s telling.

There are two prime sources of in manufactured housing that have proven willing to push back publicly on MHI and their methods.

  • MHARR, and
  • LifeStyle Factory Homes, LLC (MHProNews.com/MHLivingNews.com) trade media.

MHARR vs. MHI on DOE Energy Rule, Pushback Pay$ Off?

MHARR and we are independent of one another.  That’s healthy and good.  We’ve at times taken editorial positions that were contrary to MHARR’s view.

Frankly, at times, we later discovered that MHARR was correct.

DutyToServeManufacturedHousingMMarkWeissJDPresidentMHARR-MHProNews-

There’s an affordable housing crisis that is raging, and growing.

NAR’s Yun – No Quick Fixes Spell$ Manufactured Housing Opportunitie$

It has often tragic, real world, consequences.

NLIHC CEO Responds on HUD’s Worst Case Housing Needs Report, MH Leader Reacts

Homelessness in America, and Factory-Built Housing

Manufactured housing has enhanced preemption, under federal law.

titleVI-manufactured-housing-improvement-act-2000-mhia-2000graphic-posted-daily-business-news-mhpronews-

http://www.mhpronews.com/blogs/daily-business-news/wp-content/uploads/2014/12/Manufactured-Housing-Improvement-Act-of-2000-posted-Daily-Business-News-MHProNews-com-.pdf

That enhanced preemption could allow manufactured home retailers to ease the affordable home crisis for potentially millions of Americans, without taxpayer dollars being needed.

Harper – Thank You Rev Donald Tye, Fighting for Enhanced Preemption of Manufactured Homes

Yet, MHI has often failed to push HUD on a variety of issues.  MHI’s been forced to pivot on a range of issues.

HUDCodeManufacturedHomeProgramShakeupDrainTheHUDSwampManufacturedHousingIndustryDailyBusinessNewsMHProNews525

You can fool some of the people some of the time

MartyLavinHUDCodeDeadlyDiscriminationCode-IndustryVoicesMHProNews-e1472170900504

Warren Buffett said it in his own words.  Mr. Buffett doesn’t expect people to learn the lessons of history.  He expects to build his moat.

WarrenBuffettQuotesPeverseEasyThingsDifficultChainsHabitLearnFromHistoryPeopleDontLearnFromHistoryManufacturedHousingMHI-MHProNews

He even publicly supported the candidates that gave the industry the very thing that Tim Williams, then MHI chairman, said they were working to undo.

Documented Conflict Between 21st Mortgage CEO Tim Williams, MHI Chair, and Warren Buffett, Chairman of Berkshire Hathaway

What Happened?

Isn’t the truth hiding in plain sight?

Frank Rolfe is like the rest of humanity, right on some things, wrong on others.  One can safely bet that he’s 100 percent in favor of whatever he believes his and his partners interests to be.

Frank Rolfe Blasts MHI for Poor Media Engagement, Industry Reactions

Rolfe criticized several MHI initiatives and what he said where their failures to act.  Recently, Rolfe want silent.  Isn’t 21st Mortgage – owned by Berkshire Hathaway – one of the companies that advertise on his website.  Coincidence?

Frank Rolfe: Pressured into Silence? Manufactured Housing Industry, and Journalism

If every person we’ve accurately quoted suddenly changed their tune, one would have to ask the questions a journalist does, starting with, Why?  

There will be lists.

People will follow the money, and analyze it – within and outside of MH.

FollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNew

MHProNews and others are and will be taking names, and organizations.

Maxine Waters Statement, Preserving Access Manufactured Housing Act 2017, Warren Buffett, Clayton Homes

With the Trump Administration signaling anti-trust (anti-monopoly) actions in the future, and with Democrats also pushing the anti-monopoly theme, will it be a surprise if hearings are held about manufactured housing?

President Raises the M-Word, “Monopoly,” Plus Manufactured Housing Industry Market Update$

Warren Buffett, per third parties, has a big concern once he passes; the break up of his empire.

Who Will Replace Warren Buffett at Berkshire Hathaway? Expert Insights, Video & Manufactured Home Industry Outlook

You’re one of the best things we have going [in manufactured housing.]” – Terry Decio, to MHProNews/MHLivingNews.

There are those who realize that we’ve worked for years to get the truth out about the glories of manufactured housing, which includes the realities that there are millions of happy home owners.

Manufactured Home Owners – Satisfaction Survey Redux

But those positive efforts have occurred while MHI has either sat on its hands – or arguably worse – tried to undermine the very pro-industry growth steps we’ve spotlighted?

Extortion? RICO? Allegedly Illegal, and Dirty Side of Manufactured Housing, Exposed

Some love the meetings, and the MHI comradery at MHI meetings.  I enjoy those social and networking things too, so I get it.  But to some, they can’t get passed the  fact that they like certain people, and they therefor can’t imagine someone with ill intent taking advantage of them.

 

To those, let me suggest the lesson of detective character, Sherlock Holmes, that may help make sense of how the apparent outrages alleged are possible.

Give us a logical,  alternative explanation.  Do it on-the-record, please. Let’s debate MHI effectiveness and their behaviors in recent years, on the record via video for all to see, please.

WhenYouHaveEliminatedTheImpossibleWhateverRemainsHoweverImprobableMustBeTheTruthSHerlockHolmesDailyBusinessNewsMHProNews

you-can-fool-all-the-people-some-of-the-time-and-some-of-the-people-all-the-time-but-you-cannot-abraham-lincoln-quoteDailyBus

Did BH use MHI – past and present – and the power or regulatory burdens throttle an industry that was poised for serious growth?

ELS’ Sam Zell – Compliance Costs Destroys Smaller Businesses = Consolidation

Didn’t MHI have the ability to end some of that burden by negotiation, and fail to take that option?  Why?

MultipleReasonsExpectManufacturedHousingDoBetterThanSiteBuiltHousingEricBelskyEecDirJointCenterHousingStudiesHarvardUnivDailyBusinessNewsMHProNews

How could Harvard have missed their projection for manufactured housing domination?

Are stressed, busy MH Professionals missing the truth hiding in plain sight of how MHI shifted since Berkshire Hathaway took control of their organization?

Appealing Manufactured Housing Institute (MHI) Marketing, Finance Booklet Reviewed

Could that shift have been through a Buffett-style moat-plan?

Alan Amy isn’t alone in this observation stated in this focused video.

The day will come when the constraints on manufactured housing could be lifted.  When enhanced preemption will be enforced.  When that day comes, what will be left among the manufactured housing independents that existed a decade ago?

AmericasFastestDyingBusinessMobileHomesManufacturedHomesAtlanticIBISWorldDailyBusinessNewsResearchDataReportsMHProNews

IBISWorldAtlanticManufacturedHousingIndustryDailyBusinessNewsResearchReportsMHProNews

Manufactured homes were predicted by a Harvard researcher to dominate by the end of the first decade of the 21st century. What happened? Accident? Or a moat like plan, hiding in plain sight, executed by MHI?

Did they get an unethical, liable, or illegal push?

The Decio family had Art featured on the cover of Time Magazine decades ago, what happened since then?

We Provide, You Decide.” ©

Keep in mind, while there are several sources for information, there are to my knowledge only – broadly speaking, two – which have been willing to seriously take on BH and MHI.

MHARR and ourselves.

Rep. Mark Meadows (R-NC) Finds Manufactured Home Industry Support for Reform bill

MHI took themselves out of the picture of routinely communicating with us, about a year ago, after an initial series of exposes and analysis we published on them.  Coincidence?

Why is it that state associations, or MHARR, are often more successful than MHI?

McCrory Lawsuit – “Significant Victory Against Zoning Discrimination” – Manufactured Homes

Associations are supposed to be a tool for businesses to work together to impact regulatory and other issues.

What would do you do when you discover that your national association has been working the interests of the majority of the industry’s independents?

Do you keep feeding the hand that bites yours?

In my days as a manufactured home retailer, we used to advertise on a station as the sponsor of famous Paul Harvey’s, “The Rest of the Story.”

You don’t know all of it, but do you have more than enough linked above to reveal the truth that is hiding in plain sight?

2018 will be a year to watch.

Expect some more revelations, that you may only find published here on MHProNews. ## (News in review, commentary, analysis).

Related Topical Update:

SkylineChampionHomeBuildersMergerPlanAnnouncedDailyBusinessNewsMastheadManufacturedHousingINdustryMHProNews

http://www.mhpronews.com/blogs/daily-business-news/skyline-homes-and-champion-home-builders-to-merge/

 

TwitterFacebookLinkedInNew Year’s Resolution: On this 9th day of Christmas, a request.  This writer already has one of the largest LinkedIn followings in the manufactured home industry. But we’ve frankly not asked for Twitter, or Facebook followers. That changes, starting today. If you want to keep up with posts relevant to the industry, you can connect via the links below.

https://www.linkedin.com/in/latonykovach/

https://twitter.com/LATonyKovach @LATonyKovach
https://www.facebook.com/tony.kovach.71

 

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We agree with Warren Buffett on the value of the lessons of history, reading and research. Without those deep insights, the wool can be pulled over other people’s eyes.

By L. A. “Tony” Kovach.

Kovach is the award-winning managing-member of LifeStyle Factory Homes, LLC,
parent to MHProNews, and MHLivingNews.com.
Both are #1 in their categories.

Kovach is one of the most endorsed and recommended MH industry professionals in all of manufactured housing.

L.A. 'Tony' Kovach, MHM - Publisher, Marketing Director and Industry Consultant
http://www.linkedin.com/in/latonykovach
Manufactured Home Marketing Sales Management trade journal
www.MHMarketingSalesManagement.com aka MHMSM.com aka MHProNews.com
tony@mhmsm.com
863-213-4090
 


Recent Praise from Clayton to MHProNews, with C3

December 27th, 2017 No comments

It’s not a joke, or a blast from the distant past.

We’ll share a nice message of praise from Clayton Homes for our pro-industry work.

Congratulations

We said thank you, of course, and pointed to those who make this work possible. We’ll likely release that kind Clayton statement, next week. It will depend on other news, so stay tuned.

Next…

TheFirstStepSolvingProblemRecognizeThat DoesExist.ZigZiglar-TonyKovachMastheadCommentaryMHProNewsGraphicStock

 

AllTruthPassesThrough3StagesRidiculedViolentlyOpposedAcceptsSelfEvidentArthurSchopenhauerQuoteGalleryMastheadBlogManufacturedHousingIndustryMHProNews

ComplaingAboutProblemWithoutPosingSolutionIsCalledWhiningQuote-teddy-theodore-rooseveltDailyBusinessNewsMHProNews

Why didn’t manufactured housing take off in the first decade of the 2000s, as Harvard and other researchers thought would happen?

The article linked below looks at that question, through the prism of the Warren Buffett’s “The Moat” Principle.

 

Warren Buffett, “the Moat,” Manufactured Housing, Berkshire Hathaway, Clayton Homes, 21st Mortgage, Vanderbilt, Wells Fargo, NAI…

 

The report above is packed with direct quotes, industry comments, and is cross referenced.

From the outset of launching MHProNews, and later, MHLivingNews.com, we’ve always been about identifying what’s right or wrong, what does and doesn’t work.

WhatsWrongIsThatWeDontAskWhatsRightGKChestertonQuoteMastheadBlogMHIndustryCommentaryMHProNews

What’s Wrong is that We Don’t Ask What’s Right,“-  G.K. Chesterton. Image by MHProNews.com

As pro-industry publishers and service providers, we’ve always sought to identify an issue’s key, and then propose – and lead the way – on methods of dealing with a given problem.

With the Warren Buffett “the Moat” report above, we’re almost complete with our 2017 periodic series about the true state of the Manufactured Housing Industry.

Which reminds me of a real-life, blast-from-the-past.

One of the last articles that the respected Manufactured Home Merchandiser Magazine published from me before they closed-down listed the importance of Prayer among the secrets of success.

In their wisdom, the Merchandiser edited out my references to prayer.

For those who already know, no explanation is needed. For those who don’t know, or need to move beyond political correctness, let’s keep it simple.

The eternal, all perfect, all knowing, all powerful, all merciful Creator – God, requires nothing. Technically, the Almighty has no need for our prayers. 

Then why pray?

Prayer isn’t a group of magic words, like a spell. Nor is prayer like rubbing a magic lamp just so to get a wish granted.

Then why pray?

Because it can be transformative for those who pray, and thus for others too.  No wonder God recommends it.

On this third day of Christmas (C3), as we survey the great potential for our industry and nation, while contrasting it with the current climate in America let’s quickly compare the movie, “It’s a Wonderful Life,” to the movie, Network.

Both are powerful films, but both are quite different.

Sex has been very much in the news this year and last (isn’t it always?).

 

For example, in It’s a Wonderful Life, sex is there in the background. In Network, sex is in your face.

There’s drama, and humor, in both stories.

Faith is uplifted in Wonderful, but in Network?

 

 

The World is a Corporation” (Network, 1976). Note, that none of the false promises of the corporate world have come-to-pass.  This isn’t to say that business is bad, its to say that the God should inspire and transform every aspect of our life.  Yes, that includes our business or profession too.  I know numbers of MH Industry pros who believe the same.

In Wonderful, that power of prayer is shown to be transformational. In Network, you have Sybil the Soothsayer and a whole cast of new age characters, and their respective behaviors.

So God’s mentioned in both films, but in Wonderful, the Creator is shown in a wonderful way.  In Network, the new ‘god’ is money.  How’s that working out, 41 years after Network became a hit flick?

The sexual revolution of the 1960s lay almost evenly between Wonderful and Network. The sexual revolution’s impact on the film and American society are self-evident.

Sex is good or bad, depending on its context.  It’s sacred, or profaned, says the Creator, according to its right or wrong use.  So too with the other 10 Commandments.

The devil is as real as God, you, or myself are. I respect them, but I’m not a high Anglican, as the brilliant writer, C.S. Lewis was.  Lewis’ Screwtape letters, and some of his other writings, underscored how Satan operates. One of Lucifer’s tools is divide, and conquer.

Deceptive half-truths, spin, and outright lies.  These are not Godly, they are satanic.

The angel was given free will, abused it, fell from grace.  Then the demon takes what God made to be good – within a certain, specific context – and the devil gives what’s good, a twist.  The same pattern as lies, or work, or food, etc.  The devil takes what’s good, and twists it.

Since early in the history of humanity, the struggle over good and evil has played out on the stage of life.

All of history can be seen – with the eye of true faith – as a struggle between evil fighting the Good.

Satan can’t win – but ever the rebel, like his disciple Saul Alinksy and the book uplifting Lucifer in Rules for Radicals – that same, rebellious Lucifer/Satan who hates God and humanity – tries to drag as many people along behind him into Hell as possible.

 

Toxic Combination of Big Business in Bed with Big Government, Rules for Radicals, Generation Zero

 

We have each been given free will.

We must be informed and forged by a combination of grace and the right use of our free will.

Secular humanism’s ‘Everything goes’ philosophy of life has been a documentable disaster. The sexual revolution is just another excess, which has led to millions of broken hearts. Along with any other excess of food, drink, work, etc. – it leads to death between people, relationships, trust, and so on.

Who says? Not me, it’s God who said it.  Ask Moses.  Or ask Jesus, whose birth we are celebrating.

And on this, the third day of Christmas – C3 – we call to mind why God became an infant in the first place. To redeem and lead a fallen humanity back to an eternal paradise.

IMHO, Jesus ought to be held up as the exemplar for all builders, including factory-builders.

If you’ve not seen, It’s a Wonderful Life in a while, set aside the time to watch it with family, friends or solo at the link below. It ought to be a theme for our industry’s and national rebirth.

 

It’s a Wonderful Life, #Christmas #WonderfulLife #DisneySprings, #DisneyChristmasCelebration #Videos #Photos

It’s how entertainment used to be done. It was uplifting, and inspirational.

In both Wonderful, and Network, there’s a monopolistic party of moneyed influence and power. A struggle of good and evil.  Each film has lessons for our time.

As 2017 draws to a close, and 2018 looms ahead, what will be needed for a professional, business, industry or national rebirth?  Core, fundamental, foundational principles and God’s own eternal values must be a the heart of it.

Ladies – Love, Lunacy, Leadership, and those “Laddies”

C3 – on the third day, Merry Christmas to all.  ## (Editorially commentary, all third party images credits are as shown, and are provided under fair use guidelines.)

 

TwitterFacebookLinkedInNew Year’s Resolution: This writer already has one of the largest LinkedIn followings in the manufactured home industry. But we’ve frankly not asked for Twitter, or Facebook followers. That changes, starting today. If you want to keep up with posts relevant to the industry, you can connect via the links below.

https://www.linkedin.com/in/latonykovach/

https://twitter.com/LATonyKovach @LATonyKovach
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2 Week Notice, MHProNews will be on a somewhat modified publication schedule from now through January 2nd, resuming normal scheduling in 2018. More details, click here.

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ThereAreOnly2WaysToLearnOwnOthersExperiencesLATonyKovachManufacturedHousingIndustryMHProNews

We agree with Warren Buffett on the value of the lessons of history, reading and research. Without those deep insights, the wool can be pulled over other people’s eyes.

By L. A. “Tony” Kovach.

Kovach is the award-winning managing-member of LifeStyle Factory Homes, LLC,
parent to MHProNews, and MHLivingNews.com.
Both are #1 in their categories.

Kovach is one of the most endorsed and recommended MH industry professionals in all of manufactured housing.

L.A. 'Tony' Kovach, MHM - Publisher, Marketing Director and Industry Consultant
http://www.linkedin.com/in/latonykovach
Manufactured Home Marketing Sales Management trade journal
www.MHMarketingSalesManagement.com aka MHMSM.com aka MHProNews.com
tony@mhmsm.com
863-213-4090
 


Benefits from “Living Twice,” Plus the Source of All Truth

December 24th, 2017 No comments

He lives twice, who enjoys both the past, and the present.” – Marcus Aurelius.

It was a saying on one of those wooden blocks we’ve all seen in a hundred stores that sell such items. My mom gave it to me when I was still a kid, and the Lord only knows where it might be today. But it presents a powerful lesson, as do so many other pithy quotes.

In researching this column, I didn’t find that exact quote, so perhaps whoever made that quote/block years ago was paraphrasing.  But what follows came up among the searches under Marcus Aurelius’ quotable quotes.

TheBenefitOfLivingTwiceMastheadManufacturedHousingIndustryCommentaryMHProNews

Remember that man lives only in the present, in this fleeting instant; all the rest of his life is either past and gone, or not yet revealed.” – Marcus Aurelius.

It may seem odd to be quoting Aurelius, on the eve of the birth of Jesus Christ.

MarcusAureliusFactsQuotesWikipediaManufacturedHousingIndustryDaliyBusinessNewsMHProNews568x1045Here’s why the quote – “He lives twice, who enjoys both the past, and the present.” – can be life changing for those who are able and willing to grasp it.

It’s a Fact

All human knowledge is obtained from experience. That experience is either your own, or that of someone else. Think about it. There are no exceptions.

This moment in time is fleeting, and we move toward the future that we don’t clearly know, or look to the past, which is far more knowable.

If you are in management, or have ever applied or taken an application or resume for a job, you know that a work and educational history are included.

That resume is a snapshot of the past from that person.  Many today look at someone’s social media posts – a window into the past – which provides clues as to what that person thinks like and believes; or at least, what they want social media readers to believe.

While this writer disagrees with Warren Buffett’s politics and some of his business practices, Mr. Buffett is 100 percent correct in stressing the value of the reading and studying the past as a reasonably reliable way to get a clear understanding of the future.

Everyone who buys a property or business wants some history on that, all these are examples of ‘living twice,’ – the wisdom and insight found in history.  History isn’t boring, its priceless.

Business, political, professional, science, and faith – all knowledge is a part of the whole.  We segment it, out of modern habits.  But all truth simply is.  History, His Story, its a key to unlocking the mystery that is Christmas.

The Birth of Jesus

People don’t doubt that Julius Caesar, or Cleopatra lived.  Why do some doubt the birth, life, death, and resurrection of Jesus of Nazareth?  Jesus is far more attested to by both followers and skeptics than any other person in the ancient world.

The reason we celebrate Christmas is – as the name itself implies – because for centuries, people have celebrated Jesus.  The Christ boldly claimed to be both God and Man, come into the world to redeem us from the slavery of our sins.

Anyone reading this has one thing in common with this writer, we are all sinners. It’s not as popular to admit that today as it was 50 or 100 years ago.  But Aurelius is correct on this, that it’s not the shifting opinions of the masses that matter, it’s the truth that matters.  That truth is knowable. 

Ladies – Love, Lunacy, Leadership, and those “Laddies”

Soheyla’s Christmas column was far cooler than this one, and is rightly already drawing praise (thanks to all who have sent that in).  Her points on political correctness, of how messy life can be, how leadership, and faith are intertwined reflect a lady’s touch. ICYMI, it’s linked above.

We learn a step at a time.  We make mistakes, some of those are simple errors, others are sin – which is different than breaking a human law, which may or may not be grounded in true justice.

Just consider the moral decay of the last 50 years. When the “politically correct” ignore that decay, we personally and society suffer the consequences.  The fact that we have a drug epidemic is just one of numerous signs of how bad the moral decay has become.

There are not enough cops, courts and cells in the world to force a person to be good. We must want to be good. We must personally see the wisdom and value of doing and following what is true.  After decades of trying to sideline God, secular humanism, and trillions blown by big brother government, have proven they don’t work in the place of God.

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That sin exists is evident on any newscast. Be it sexual harassment (per news editors and producers, the top story of the year), corruption, crime, or any moral/legal shortcoming, sin and its effects surround us.

When we are honest, sin’s effects are also found within us.

When people live the Ten Commandments, or lived the Two Greatest Commandments that Jesus gave – Love God, Love Your Neighbor (everyone) – they commit no crime.

Secular humanism, socialism, “big brother government,” and “political correctness” have demonstrably failed.  What has always succeeded when tried is the blessings of living a life of faith. Those blessings extend to business. A big operation’s sales manager told me that he was oversimplifying, but he believed that most that he knew where either hooked on drinking, drugs, some other addiction – or they are hooked on God.

That’s what the Jewish infant Jesus the Christ came to bring all of humanity.  Freedom.

Who says?  History does.  We live twice – literally and figuratively – when we seek and strive day-by-day to live the historic truth Jesus taught by word and deed.

Words and their meaning are important, and ought to be carefully chosen.  The name “Israel” means “one who wrestles with God.”  We all wrestle with God.  We all struggle with what is right and wrong.

I’m not a Muslim, but I’ve studied the Quran (Koran, etc.) some, Mohammed, and their faith’s history. The truth is tucked away there in an interesting way. The Quran tells the story of Jesus, who as a baby, miraculously speaks.  (Quran: Surah 19:29-31 and 3:46).  The Quran honors Mary, Jesus’ mother, more than any other woman.  Interesting, isn’t it?

Mary in Islam

Mary (Arabic: مريم‎, translit. Maryam), the mother of Jesus (Isa), holds a singularly exalted place in Islam as the only woman named in the Qur’an, which refers to her seventy times and explicitly identifies her as the greatest of all women, stating, with reference to the angelic salutation during the annunciation, “O Mary, God has chosen you, and purified you; He has chosen you above all the women of creation,” says Wikipedia.

Christianity is sadly divided, but if you go back to the first Protestant, Martin Luther, he said very similar things about Mary as the Quran does.

“[Mary is the] highest woman and the noblest gem in Christianity after Christ… She is nobility, wisdom, and holiness personified. We can never honor her enough. Still honor and praise must be given to her in such a way as to injure neither Christ nor the Scriptures.” (source, ChurchPop). It’s interesting to note that Luther believed Mary, the mother of Jesus to be a perpetual virgin, which is the only thing that makes sense when the Greek text is carefully analyzed.  John Calvin said similar things.

The truth is knowable. But we must be willing to have our personal beliefs and biases challenged.

Today, we hope you’ll celebrate the historic truth of what Jesus came to earth to accomplish.  Our industry, our nation, needs His saving truth – and the grace that with understanding makes us able to live that truth, now, and eternity.


Every woman who conceives and bears a child was at some point in time, a virgin.

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The only logical meaning to the prophecy of Isaiah dovetails with what Luther, Mohamed, Calvin or millions before and since them believed about Mary. She was ever-virgin. That’s the miracle. That’s the sign that this Jesus is Emmanuel, “God is with us.”

Understanding sin, isn’t about condemnation. It’s about discerning why it’s wrong, starting anew and making amends.

God Himself doesn’t force belief on His creation. But the clues are all around us, for those with the eyes to see.

That’s living not once, not twice, but living three times.  Past, present, and the eternal future.

Our gift to God is the one that the Little Drummer Boy gave, playing our best for Him.

From our family to yours, Merry Christmas! ## (Christmas reflection.)

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L. A. ‘Tony’ Kovach caricature.

L.A. 'Tony' Kovach, MHM - Publisher, Marketing Director and Industry Consultant
http://www.linkedin.com/in/latonykovach
Manufactured Home Marketing Sales Management trade journal
www.MHMarketingSalesManagement.com aka MHMSM.com aka MHProNews.com
tony@mhmsm.com
863-213-4090