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The American Dream, Arguably Among the Most Profitable, But Least Understood Stories in the USA Today

December 8th, 2018 Comments off

 

AmericanDreamMostProfitableLeastUnderstoodStoriesInUSATodayManufacturedHousingIndustryMastheadLATonyKovachMHProNews

The American Dream is more than housing that someone owns, but that is a key element to it.  Properly understood, this story could bridge much of the left-right divide. Properly told, and it would likely need to be a series, it could win a Pulitzer or other prize for reporting.

 

Nevertheless, those true tales are not being properly told, why?

A man’s home is his castle,” is a potent maxim whose origin dates back centuries. In 1604, Sir Edward Coke declared that “The house of every one is to him as his castle and fortress, as well for his defence against injury and violence as for his repose,” per Wikiquote.

There are dozens of nations where the rate of homeownership is higher than the United States. That’s a vexing reality. How can it be that when the typical American today is demonstrably richer than the inhabitants of other lands, why are their homeownership rates higher?

At the time this chart was produced, here are the rates of homeownership in dozens of nations, per Wikipedia.

 

Homeownershiprates49topcountriesperwikipediaUSA41stManufacturedHousingIndustryDailyBusinessNewsMHproNews

Why is the U.S. only #41 on this list?

 

The rate of homeownership has been recovering since the election of President Donald J. Trump. But per Pew Research in 2016 data reported in 2017, some 36.6 percent of our nation were renters. Conventional housing builders can’t keep up with demand. The National Association of Home Builders Chief Economist Lawrence Yun said earlier this year that some 8.3 million housing units are needed, now.  Several gurus among the tech giants have decided that only factory building can close the affordable housing construction gap.

 

PewResearchCenterHomeOwnershipRatesUSARentingHouseholdsMastheadBlogDailyBusinessNewsMHProNews

 

Here in the land where factory-home building was born, or at least popularized, there are known ways that millions of those renters could become homeowners, by opting for factory crafted homes.  Everything else you drive, wear, use to make calls came from a production center. Why is it that our society seems to fear factory built homes?

Millions of our fellow citizens could start building equity, which is the most common form of household wealth.

But millions don’t. Why?

As numerous professionals in our industry have long known, you can own a federally-regulated for safety, durability, and greener-by-design manufactured home for the same or less than rent in most markets. The National Association of Realtors™ (NAR) did serious, third-party research this year, that debunked many of the commonly held fallacies about manufactured homes. That NAR report was only a blip in the news.

Why?

With about half a million homeless in the U.S., perhaps the quickest way to house them affordably would be in the only kind of permanent housing built to a federally preemptive construction standard, known as the HUD Code for manufactured homes. The National Fire Prevention Association (NFPA) in their research a few years ago found that manufactured homes – unlike the mobile homes of over 4 decades ago – are as safe as a conventional house, but far less expensive.

ManufacturedHomeFireDeaths-2013NFPAreport-citation-postedManufacturedHomeLivingNews-JanHollingsworth

The NFPA said that the reports of fire related deaths in manufactured homes in 2007 to 2011 were so low that they surprised them, and thus merited ‘caution.’ But their own research proves that manufactured homes are as safe as conventional housing, and more safe than non-updated mobile homes built decades ago.

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Millions who want to retire well don’t think they can do so affordably, but if they understood the reality vs. the 42+ year old misinformation, they might sell their more expensive conventional housing, and turn instead to a manufactured home.

This year – in 2018 – alone:

  • The Urban Institute (twice)
  • Bloomberg
  • Fannie Mae
  • The National Association of Realtors
  • The Apartment List
  • Federal Housing Finance Agency (FHFA)
  • HUD Secretary Ben Carson
  • An affordable housing focus group of manufactured home owners, and
  • Value Penguin

 

are among those who have praised the manufactured housing option. How is it possible that it is still being called by the inaccurate pejorative, “trailer house?” When no mobile homes have been built in the U.S. for over 42 years, why do media and others often still inaccurately call a “manufactured home,” a “mobile home?”

 

TrailerHouseMobileHomeManufacturedHomeFactoryBuiltHousingEvolution101MHProNews-MHLivingNews

 

The last report noted in our bulleted list above – Value Penguin – cites third-party research by a pair of National Bureau of Economic Research (NBER) scholars to demonstrate how an additional two trillion dollars a year in Gross Domestic Product (GDP) could be produced annually, simply by making more affordable housing – including manufactured homes – more readily available.

Imagine for a moment that you wanted to break through on the noise about the affordable housing crisis. With such an impressive collective bulleted list – the one above – where would you put that on your website if you were the Manufactured Housing Institute (MHI)? Oddly, that list is nowhere one can readily see it, if it is there at all, it’s behind a firewall. Why?

Don’t misunderstand.  MHI has promotional information, but it looks like advertising instead of referencing all of the potent third-party praise cited above. It also includes facts that MHProNews advised MHI months before they made this posted video were inaccurate.  For example, the video understates the GDP contribution of manufactured housing, saying it is about $3 billion a year, when simple math tells us that in 2017 it was more like $6.5 billion that year. Doesn’t misinformation – perhaps geared to support a few favored members – from the largest national association only harm the industry’s credibility?

 

 

What you can find on their website is items like the video above, plus a new video that promotes MHI themselves.  That self-promotion of MHI video proposes an entirely new claimed solution that uses a new style – meaning, untested – home. That ‘new class of homes’ arguably could diminish the acceptance and value of what millions of manufactured homes already achieved and represent. That’s according to a range of industry professionals, that includes MHI members.  So why are they pushing that experiment when MHI-only members that are HUD Code builders have told MHProNews that it makes more sense to build a modular house instead of that ‘new class’ of manufactured home?  That would avoid all sorts of delay, confusion, and risks to the bulk of the manufactured home industry, existing home owners, and consumers alike.

Who’s brainchild was this MHI ‘new class of homes?’  Per a well-placed MHI source, the homes and standards originated from “Kevin Clayton.”

What you won’t see on the MHI website is an explicit statement of how much Berkshire Hathaway owned firms – like Clayton Homes – control that Arlington, VA based trade association.

What you won’t see on the MHI website is how Chairman Warren Buffett’s Berkshire Hathaway owned Clayton Homes and some of their lending sister firms are under several federal investigations.  On the boxes that follow, you can click the headline and access that report for more information.

 

Whistleblower! Ex-Clayton Homes Team Member on TV Denounces Manufactured Housing Giant’s Practices

 

Nor will you see how past MHI Chairman Nathan Smith, who is currently their MHI PAC Chairman, has had several potentially high-profile legal issues quickly swept away. Is it because of Smith’s strong ties to prominent Democrats? Or is it due to Smith’s ties to Clayton and Berkshire’s 21st Mortgage?

 

Nathan & Mary Lee Chance Smith, Leaders in ‘Anti-Trump Resistance,’ Manufactured Housing Impact?

 

When one drills down on the Manufactured Housing Industry’s tragicomic story, one sees how Berkshire entered the field 15 years ago and has purportedly proceeded to monopolize the industry.

 

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Maxine Waters (CA-D), Ranking member, Financial Services Committee. Waters is slated to be the next chair of this powerful House committee.

 

Among those who have pointed their finger with that allegation is Congresswoman Maxine Waters, who will likely chair the powerful House Financial Services Committee. Will Representative Waters (CA-D) and her Democratic colleagues investigate Warren Buffett, the Claytons’, and Berkshire Hathaway lenders – which she said was a near monopoly that has also been charged with racism and predatory behavior?

Buffett has said you don’t get involved in a business that doesn’t make sense. When legendary investors like Warren Buffett and Sam Zell are both in manufactured housing, how could that fail to register with more investors – not to mention – with so many millions of our fellow citizens?

Or is it because Buffett – who’s BH Media Group could arguably single-handedly change the understanding and thus the fortunes of manufactured housing – that in various actions and inactions keeps reality as foggy as possible? Does that fog help him consolidate more of the industry, that makes so much common sense? Plus earns Buffett’s Berkshire billions?

News is a business. Media covers or not what their management and ownership want, and in the way their management or ownership desires.

Poverty is also a huge business. Keeping some poorer than they should be can also be a tool used to generate votes at election time.

Meanwhile, millions are trapped in renting, or are homeless, in the wealthiest nation on the face of God’s earth.

I’m tired of being the best kept secret. I’m ready to help house America,” said Terry Decio, whose father Art Decio was once positively shown on the cover of Time Magazine back in the pre-HUD Code mobile home era.

 

TimeMagazineTerryDecioManufacturedHomeLivingNews

The Decio family had Art on the cover of Time Magazine decades ago.  What happened to our once far greater industry since then?

ManufacturedHousingSHipmentsBloombergQuintFactoryBuiltRebuidRecoveryMastheadLATonyKovachMHProNews-756x768

 

Terry, perhaps you should ask Uncle Warren for his permission to support and  properly tell the “best kept secret” story in the manner that it ought to be told?

 

The American dream awaits tens of millions, but various forces purportedly by their action and inaction are allowing it to languish. To learn more, see the linked boxes, below. “We Provide, You Decide.” © ## (News, commentary, and analysis.)

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

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

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

Office 863-213-4090 |Connect on LinkedIn:
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Click here to sign up in 5 seconds for the manufactured home industry’s leading – and still growing – emailed headline news updates.

 

Related References:

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

Machiavellian “Godfather” – Sam Zell, Warren Buffett, Capital, Lending and Crossed Lines in Manufactured Housing

Back to Basics – What is Classical Liberalism, and What Can It Mean for Manufactured Housing Growth?

Understanding the News as Business, and Manufactured Housing

 

Clayton’s Miss, Kevin and Tim’s Manufactured Housing Kill Shot, More

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

 

 

 

 

Truth, Trump, Tragedy, Triumph, Affordable Housing, and Manufactured Homes

October 9th, 2018 No comments

 

TruthTrumpTragedyTriumphAffordableHousingManufacuredHomesMastheadBlogMHProNewsLogo

 

Let’s stipulate that both President Donald J. Trump and his anti-Trump opponents at times error in various ways. No one is perfect.

 

Let’s note later why the bullets below matters for the cause of the economy, affordable housing in general, and manufactured homes in particular.

But we’ll do this systematically, by first laying out a series of bullets, to set the stage.

There are:

  • Muslims,
  • Jews,
  • Christians,
  • LGBTQs,
  • Blacks,
  • Hispanics,
  • Women,
  • Men,
  • Rich,
  • Poor,
  • Working Class,
  • Media,
  • Other groups and professions,

that appreciate, and respect the 45th President – Donald J. Trump’s – polices and accomplishments. Unlike many politicos, the 45th President of the United States (POTUS) is methodically doing what he said he would do.

Depending on what media sources you read, watch or prefer to listen to, you will either agree or perhaps strongly disagree with those bullets. But those points are nevertheless accurate and demonstrably true. More on that further below.

The president isn’t a choir boy, and never claimed to be. That’s not a defense, it’s a statement of reality. God bless his candor on that point.

Yet this non-choir boy president has tackled vexing domestic and foreign policy issues that faced the U.S. as recently as two years ago, which are already seeing significant improvement.

Jobs in:

  • manufacturing,
  • mining,
  • energy,
  • steel, and more are returning to America.
  • Recall that President Barack H. Obama said many of those are jobs that arenever coming back.” But under 45, they’re coming back.
  • Better trade deals are being struck by 45. Yet former President Obama said better trade deals would require a “magic wand.”
  • As a reminder, Secretary Hillary Clinton would have continued the policies of her predecessor in most cases, she said so.
  • Several of the policies of former Presidents George W. Bush and Obama led to massive deficits that roughly tripled the federal debt in 16 years.
  • So, this is not a simple GOP vs. Democratic policies issue.

Candidate Trump wasn’t the first to tap the agenda he did.  Others like Pat Buchanan, former Senator Rick Santorum, and former Gov. Mike Huckabee had similar planks and policies. But “The Donald” won.

 LATonyKovachGoodBipartisanshipShouldalwaysBepredicatedBenefitallhonestindustrymembersnotslectfewquote

 

Rephrased, the core beliefs of the Trump coalition were already found among:

  • blue dog Democrats,
  • The Tea Party,
  • Evangelicals,
  • Constitutionalists,
  • Free enterprise proponents, and others.

People ought to be honest enough to give the president the credit he is due.  Love or hate his style, jokes, or tweets, his policies are working.

By contrast, prior to the Trump era, the wealth of the oligarchic class grew rapidly during the prior 3 administrations. Democrat, Republican, it didn’t matter. That’s not a slam on capitalism or the 2 party system. It’s a slam on crony capitalism and a rigged political system.

 

The Problem of Monopoly and Oligopolies

The rigged system” is a common point between Bernie Sanders backers and the followers of Donald J. Trump.

Danny Glover is a fine actor. My citing the quote below, or any other quote from other persons or sources, doesn’t imply I think everything the quote source said or did is perfect. We use a wheat and chaff approach with everyone.

 

DannyGloverQuoteItsNotOnlyAMonopolyOfWealthItsAmonopolyofInformationasWellDailyBusinessNewsMHproNEws

 

That said, Mr. Glover was close to the mark with that statement above.  It is part of the powerful video found at the link below.

 

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

America has spent huge sums on education. “Total expenditures for public elementary and secondary schools in the United States in 2014–15 amounted to $668 billion, or $13,119 per public school student enrolled in the fall (in constant 2016–17 dollars),” per NCES.ED.gov.

MathReadingTop12CountriesBBCOECDDailyBusinessNewsMHProNews

How can it be that so much is spent, and we can’t even make the top nation’s of the world in educational outcomes? Anyone who thinks that big government is the solution has not looked at the facts.

ScienceRankingsBBCUSAnotOntop20ManufacturedHousingIndustryDailyBusinessNewsMHProNEws

There is a lot of reforming still needed, education is part of what must change in the U.S. The low to poor outcomes, in spite of huge sums spent, prove it.

Then why does the U.S. trail so many other nations globally in education? See the data above, per the BBC.

America has spent huge sums on poverty programs, which includes ‘affordable housing’ programs. Then why after spending north of $22 trillion dollars – per the Heritage Foundation in 2014 – does the U.S. trail so much of the world in home ownership rates?

Top50CountriesinWorldHomeOwnershipRatesWikipediaPostedDailyBusinessNewsMHProNews1878

Manufactured homes could be a big part of the solution for housing affordability. We know what is necessary. Enforce the two good laws that are already on the books.

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

Or why does poverty programs enrich a few, while the poverty remains?  Let’s sum up the powerful video below with these words, poverty is business and politics for certain people.  ICYMI, or for later viewing, check out the multiple award winning video found in the linked post below.

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

 

Why is much of the mainstream media so dead set against President Trump? Think about what Mr. Glover above, and others in quotes below, said on this issue of news as a business.

 

ThomasSowellQuoteIfPeopleInMediaCannotDecideWhetherTheyAreInNewsReportingbusinessorManufacturingPropagandaMoreImportantForPub

 

A well informed manufactured home industry executive told me recently, ‘Tony, a lot of what you guys [MHProNews] write about I already knew.’ No doubt. There are numbers of industry pros who knew all of the above, long before we published the data. But what about the thousands who don’t know?  How do you educate and inform them, without articles like this that lay out the facts and evidence?

 

DeepaKumarQuoteGiantMediaCorpLikeTimWarnerandNewsCoprDisneySoForthTheyGetToDecidWhatIsNews

Warren Buffett can get on TV almost any time he wants to. Berkshire Hathaway owns at this time some 31 newspapers. Why don’t they educate the public about manufactured homes? What are they waiting for, and why?

 

But there are thousands in our industry that didn’t know, until they read this, or until they read articles we did previously over the years on the Daily Business News, on MHLivingNews, or here on the Masthead.

 

HumanitiesValueBuisnessCriticismDissentWhenGoingAlongGetAlongWhereWhistleblowersDiscouragedBadThingsHappenBusinssesImplodeMar

 

There’s power in greater numbers understanding the truth.

 

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Facts, evidence, morality, and common-sense ought to rule, not blind passion or emotionally manipulated people of any persuasion.

 

 

Threats, Bullying and Intimidation Tactics

Yet, there are rent-a-rioter protesting and/or leading protests.

Who says?

ABC News.

 

CNN.  They call themselves antifascist – or AntiFa. But in fact, they are using violent tactics much like the brownshirts in 1930s Germany.  They take on their opponents “by any means necessary.”  They talk about opposing “white nationalists,” but very few white nationalists ever show up to their own events. So, clearly, AntiFa has a different agenda.

 

 

Note that in the video above, one planner said that they’ve been doing such organizing for years.  It is only more noticeable now. He admits the masks are to make it harder to identify and arrest lawbreakers.

Do we want a society where bullying, violence, and intimidation tactics rules?  “Organized descent,” is what a woman in this video says.  Senator Elizabeth Warren (MA-D) is prominent in this.

 

Odds are good you’ve seen Representative Maxine Waters (CA-D) tell a group to “push back on them” any time you see a Trump administration member in public.  What’s that?  Is that love, that they often claim, or is it hate?

 

The Manufactured Housing Connections

We spotlighted on MHLivingNews just one of several possible looks on why more manufactured homes aren’t already being sold.

Manufactured Homes Could Help Solve the Affordable Housing Crisis, So, Why Aren’t More Manufactured Homes Being Sold?

 

MHI recently came out in apparent support of a bill by Senator Warren that arguably would be harmful to the interests of thousands of manufactured housing professionals, and based upon decades of history, would hurt the interests of millions of affordable housing seekers.

 

Facts & Analysis – Senator Elizabeth Warren re: Manufactured Housing Institute Memo to MHI Members, 10-3-2018

 

Don’t think that protestors are irrelevant to manufactured housing professionals. MHAction disrputed the MHI meeting when HUD Secretary Carson spoke.

MHAction’s own video reflects them targeting industry professionals like Frank Rolfe or the Blackstone Group.  In the MHAction video below, our commentary is on the left, but it is their video on the right.

 

 

If it happens to others, isn’t it reasonable to think that it can happen to you?

If there isn’t a line in the sand now, then when?

 

Why Isn’t Manufactured Housing Doing Better?

For years, MHProNews and MHLivingNews has spotlighted issues in depth, and laced with facts that others with bigger budgets ignore. Why?

 

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

 

Ignorance is Costly, Accurate Understanding Followed by Sound Action Pays

We spend time spotlighting issues regarding Berkshire Hathaway, which has drawn coverage from left and right-of-center mainstream media.

 

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

 

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

 

But almost no one in MHVille media – outside of MHProNews, and/or MHARR on specific topics – has called Berkshire Hathaway out by name, and then provided the facts and evidence as to why they were being called out.

 

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

 

Clayton Homes Consumer Complaints Saga Continues, Mold and More

 

MHARR and MHProNews have led the charge for spotlighting the various ways that has sold out the interests of the independents in the industry.

Two state association broke away from MHI precisely because MHI failed to represent their interests.

 

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

 

We could go on and on with examples of how MHI has protected big money billionaires, or people like Nathan Smith, who is highly connected in the Democratic party.

 

Nathan Smith, From Mobile Home Resident to SSK Communities Owner and President Barack Obama Connection

 

Democrats and the GOP – Republicans – both needed reforms. President Trump is fundamentally changing some parts of Republican politics on issues like the border, trade, and tariffs.

As a political independent, it must be said that President Trump is making the GOP into a pro-worker, pro-business – notably small business – party.  That’s why MHARR praised President Trump. That’s why the NFIB sings his policies praises too.

 

MHI postures being for less regulation, but they have time and again failed the independents of the industry.  Frank Rolfe may have gone silent, but he was right when he said that the problems the industry faces are internal.  Rolfe named MHI as part of the problem.

 

Marty Lavin was a long-time MHI member.  He won one of their highest awards.  He said that they work for the interests of the big boys, not the independents.

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It’s sad that so few will speak out publicly, but it is because they are:

  • afraid, as people that work for Clayton and intendents have told us.
  • Still don’t understand, because they can’t get passed a good time(s) they’ve had at an MHI meeting, or with Clayton or 21st, etc. But how many felt that before they were forced out of business by 21st and or Clayton after 2009?
  • If the ‘big boys’ did it to the industry before, can’t they do it again? Did you know some believe that is what MHI/Clayton/21st/VMF have been doing with the GSEs?

 

GSEs’ “Duty To Serve Underserved Markets” Plans

 

There is no lack of evidence to what’s happening to our nation, and to our industry.  MHI has purportedly sold our industry’s independents out many times. We share some MHARR links just to mix it up, but we’ve covered these topics several times.

 

MHARR to DOE: Only Three Choices for MH Energy Rule – Abandon, Complete Start-Over, Or Face Legal Action

 

Next Steps for Independents, and Free Enterprise Supporters

Job One is to support pro-Trump candidates. They must expand their hold of Congress.  We’ve shown just how that can happen in 2018, in spite of what the pollsters say. Recall, those same pollsters said Trump couldn’t win in 2016.  Vote and get others lined up to do the same.

What some call “RINO” Republicans – more aptly, squishy on the Trump-agenda – politicos like Jeff Flake are stepping down.  Pro-Trump candidates are stepping up in their place.

Who is MHI supporting with their PAC? Flake’s Democratic opponent, and in Indiana, the anti-Trump Joe Donnelly (D).  There are more examples, but let’s just let those two sink in.

Facts are facts.  The Trump track record is very different than some elements of the media portray. POTUS Trump is not a typical Republican from the 10 or 20 years ago.  That’s not saying the GOP was bad then, it is only to say that President Trump has taken elements of Republican thinking, brought in some blue-collar elements from the Democratic thinking, and blended it together.

MHI postures being for everyone, but they have time and again failing independents.  Former MHI chairman, and MHI PAC Chairman Nathan Smith said as much on a video.


The outcome is consolidation. Smith laughs about it, but that’s the game.  The more a few control businesses, including manufactured housing, the worse it is for consumers.

Manufactured housing is poised for historic growth.  But the foot purportedly has been kept on the metaphorical brakes. The time to expose the rigged system, in all its elements is now.  The need to continue to expose it won’t end until the vast majority of Americans realize just how failed and corrupted the system has become.

American workers, American consumers, and independent American businesses first. Its common sense.  There is an opportunity to take the evidence that the Trump Administration is producing and use it to show how it can turn years of tragedy into triumph.

The good results speak for themselves.  More is needed, specifically in our industry, which is why the Omaha, Knoxville, Arlington triangle must be arguably be exposed and broken up.  Antitrust laws could be useful in MHVille and beyond.  The Trump administration has already signaled that antitrust – anti-monopolistic actions – is coming, perhaps soon after the midterms.

I for one can’t wait. “We Provide, You Decide.” © ## (News, analysis, and commentary.)

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

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

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

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

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

 

Related References:

NBC Video – Federal Authorities Investigating Clayton Homes, Maxine Waters Denounces Lending “Discrimination” Against Minorities

President Donald J. Trump Visit to Manufactured Home Community, Video, Hurricane Florence Update

 

Clayton Homes Consumer Complaints Saga Continues, Mold and More

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

August 9th, 2018 No comments

 

FEDsBuffettsBerkshireClaytonHomesMoatManufacturedHousingInstituteMHIBillionsMarketManipulationAllegedMHProNews

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

 

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

TimeMagazineTerryDecioManufacturedHomeLivingNews

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

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

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Realtor University, Scholastica ‘Gay’ Cororaton, CBE.

 

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

 

Media, Money, Government, and Market Manipulation

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

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

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

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

That’s reality.

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

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

 

 

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

Buffett arguably came to the same conclusion Belsky did.

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

 

 

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

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

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

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

That’s the truth hiding in plain sight. 

Belsky also noted that credit is the lifeblood of housing.

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

MultipleReasonsExpectManufacturedHousingDoBetterThanSiteBuiltHousingEricBelskyEecDirJointCenterHousingStudiesHarvardUnivDailyBusinessNewsMHProNews

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

 

For the Record 

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

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

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

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

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

21stMortgageCorpLogoLetterheadJan302009TimWilliamsRetailersBrokersCutSpecifiedLendingMonopolisticConcernManufacturedHome

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

 

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

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

MHI-21stMortgageKevinClaytonClaytonHomesManufacturedHoomeCorporationsPlantsDailyBusinessNewsMHProNews_001

ClaytonHomesOakwoodHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2003MHanufacturedHousingIndust

Clayton Homes, 2003. After the Buffett Berkshire Buyout.

These graphics reflect what the facts reveal.

ClaytonHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2011MHanufacturedHousingIndustryProNews

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

ClaytonHomesBerkshireHathawayMarketShareofManufacturedHousingEnd2017MHanufacturedHousingIndustryProNews

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

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

ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews-e

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

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

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

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


SoTheAssociationMHIIsNotThereFortheIndustryUnlesstheinterestsoftheBigBoysJointheIndustrysMartyLavinMHIAwardWinnerQuoteMHProNe 

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

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

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

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

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

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

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

 

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

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

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

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

 RichardDickJennisonManufacturedHousingInstituteMHIPresidentCEOLouisvilleManufacturedHomeShowByClaytonHomesDispalyPhoto2018MHProNews

 

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

KennyLipschutzQuotePoorJobOfLobbyinginMHIndustry-postedMHProNews48thMHINCClist

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

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

New Manufactured Home Industry National Association Related Statements

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

 

MobileManufacturedHomeManufacturedHousingIndustryFactsDataResearch-445x768

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

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

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

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

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

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

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

 

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

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

 

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

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

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

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

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

IthinkFairSawLowerThePeriodicCostSatisfactoryHousingTheGreaterOnAverageWealthCreation

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

 

Rephrasing the Truth

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

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

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

 

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

CompareMobileHomeTrailersPastManufacturedHomesSaferMoreDurableQuoteScholasticiaGayCororationPhotoSmallPercentageDamagedDuring

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

 

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

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

 

DrLisaTylerHousingSolutionInexpensiveEnergyEfficientGreatValueOpportuntiesObsticlesManufacturedHomeIndustryMHLivingNewsDailyB

See the related report, linked here.

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

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

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

TimWilliamsMediaRelationsManufacturedHousingIndustryDailyBuisnessNewsMHProNews-500x277

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

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

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

FollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNews600

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

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

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

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

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

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

WarrenBuffettTheMoatQuoteMemeManufacturedHousingIndustryDailyBusinessNEwsMHProNEws

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

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

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

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

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

Now, what will you do with this knowledge?

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

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

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

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

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

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

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

 

Related References:

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

ManufacturedHousingAssocRegulatoryReformMHARRMarkWeissDTSFHFA-GSEsGoingtoLargestBusinessesCorpAffiliatesDailyBusinessNewsMHProNews-575x268

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

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

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

Only 3 Options – the Elephant in the Room

Profits, Understanding Human Events, and Manufactured Housing

July 7th, 2018 No comments

 

ProfitsUnderstandingHumaneventsandManufacturedHousingDailyBusinessNewsMHproNews

When in the course of human events...”

 

Day by day, people make life-changing decisions. Those choices can be for good or ill.

A fact without context may have little discernible meaning. To properly understand the present, or any moment in time, one must understand what occurred previously. 

In the famous George Orwell’s dark novel, 1984, control of information – including historical – was part of how “Big Brother” could pivot his alliances between otherwise ‘competing’ factions.

Orwell used fiction to brilliantly shed light on the human condition. 

 

Profitable History 

History could be profitably oversimplified to the following notion.  

History is a series of events describing how this or that ambitious person or group tries to dominate, manipulate or oppress others. That domination in turn creates a desire for freedom among those being manipulated, disadvantaged or controlled. 

When in the course of human events…” are the first words in the Declaration of Independence. The founders were educated men who knew history, business, philosophy, science, and religion. 

America’s founding founders were the opposite of socialists.  They were fighting against economic, political, and legal oppression. They did so for moral, and religious reasons.

 

TheManufacturedHousingRevolutionManufacturedHomeLivingNewsMastheadBlogMHProNewsLogo

The report on this topic, along with others mentioned in the body of this article, are found under related resources, at the end of this column.

 

Not What It Seems

Because of competing interests, stories – narratives – are told that spin, twist or outright lie about some fact, person, history, or group.  

The brilliant G.K. Chesterton was spot on in saying, “What is wrong is that we don’t ask what is right.”

It was sheer genius when the venerable Fulton Sheen – with his keen insights into human nature – caused him to observe that people can be tempted to do what is right, just as we can be tempted into doing what’s wrong. 

It’s a stretch to say that a brighter future for America depends upon a wider acceptance of manufactured homes. But a broader understanding and embracing of manufactured homes would demonstrably yield more wealth for people of modest means, and all others too.  Is there evidence or proof for that claim?

Yes, and it’s been produced over the years by educated, third-party researchers. 

Greater personal net worth for the working and middle class would in turn make America as a whole a more prosperous, and freer people.  Wealth in all of its forms – properly understood – breeds more wealth.  Wealth isn’t a zero sum game, as some have been mislead into believing. 

We must not forget that manufactured homes – along with the mobile homes that were built before the federal manufactured housing standards began on June 15, 1976 – were a working-class option praised by American presidents. The subsidized housing system of the last 50 years is a demonstrable failure. It can never keep up with the demands, and never has. 

In contrast to subsidized housing, manufactured homes are uniquely positioned today to serve the needs of people on virtually all rungs of the economic ladder. 

But we must also embrace the reality that millionaires, the famous, and even some billionaires have owned a manufactured home they called their own home.  That fact often opens minds, and thus boosts manufactured housing’s acceptance, and appeal. 

Opening minds is at the heart of what must happen in America.  Opening minds must occur on every level of society, including that of the good news, which   includes how manufactured homes have and can support the American Dream. 

 

GreenLeafInsideLightBulbProfitsMastheadBlogManufacturedHousingIndustryMHProNewsThe American Dream – The Profitable Battle Over Housing, Freedom, and Understanding  

The American Dream was never about mere shelter, or “housing.”  

Rentals or subsidized housing wasn’t what the rebels of 1776 fought, bled, and died for during their era.  The very notion would have been widely rejected then, and rightly so.

Today, we should in stages remove subsidized housing from the government’s practices and then, it’s lexicon of failed socialized efforts. 

Private ownership of housing is to be preferred as a public policy.  Who says? Harvard, and several other third-party researchers.  

So, the American rebels wanted to be secure in their persons, properties, papers, and possessions.  They wanted no taxation or regulation without just representation.  They wanted a republic, not a democracy, dictatorship or monarchy.  

When one reads the Declaration of Independence in the context of history, it’s a brilliant document. Ditto the U.S. Constitution, and the Bill of Rights.

 

Compromise…

The founders of the U.S. made complex compromises. A black or Native American might understandably feel a level of pain over some concepts in those documents. But we must be mindful, as dark-skinned immigrant Dinesh D’Souza reminds us, that whites were indentured servants too. Servitude isn’t only a racial issue. Oppression in all of its forms plays a sad part in all of human history.   

The quest for freedom is part of that puzzling mosaic of history, which is best understood as the struggle of some seeking domination over others. That domination takes many forms.  That thirst for domination in turn sparks the desire for freedom.  Often, as we all know from experience, we don’t realize some good thing that what we have, until we’re losing or have lost it. 

So it’s a poisonous fallacy to say that the U.S. Constitution was purely racist. Because blacks owned other blacks – sad, but true – and white’s made chattel of other whites for long periods of time. Conquest is color blind, and so is the thirst for freedom. Freedom is won or lost in degrees, and over time. 

Race hustlers should be denounced as manipulative, just as certain billionaires seek to rig the system for their own benefit and enrichment today. Socialists may be sincere, but they are misguided.  The socialist system is failing before our eyes in Venezuela, in just a decade. It failed in Cuba. The Chinese Communists, and the Soviet Russians abandoned socialism too. 

Why should Americans buy into propaganda that’s so blatantly false? 

Then why are some billionaires peddling dressed up variations of socialism to Americans today? 

Because socialism requires big government.  Big government means power over people.  That kind of power is a path to taking the wealth of others, by misusing government.  Government is a devious way to obtaining money that ought to be sought by honest work. Here’s another historic tip. The Nazi’s weren’t right wingers.  They were “National Socialists” = Nazi. There are so many lies and half-truths being spun today by the manipulators that it’s disgraceful. That’s why ignorance of history, economics, morality, or politics is dangerous.

 CrowdofPeopleRaisingHandsMastheadManufacturedHousingINdustryDailyBusinessnewsMHProNews

 

Celebrating Success

We celebrate honest success here, and are for the rights “endowed by our Creator” enshrined in the principles of Life, Liberty, and that Pursuit of Happiness;” which in the earlier draft of the Declaration read “Life, Liberty, and Property.”

Those who peddle:

  • Socialism,
  • Racial hatred of any kind,
  • Universal Basic Income,
  • Sexual divisions,
  • “Free” college,
  • “Free” health care,
  • Subsidized housing,
  • Higher taxes,
  • More regulations,

are arguably either ignorant, misguided, manipulative or some combination of those three.

People are never free who are entirely dependent upon others.  

The revolution of 1776 was controversial even in the 13 colonies.  Those colonies declared themselves to be a confederation of independent states. George Washington and the others had a price on their heads, and a bulls eye too.  Benedict Arnold wasn’t alone. America was divided, then and now.  Some fought for the British crown, just as some fight today for the monopolistic and socialistic. The reasons then and now are similar. Greed. Lust for power. The desire to control the lives of others.

Understanding the principles of human nature, and the principles of history are necessary for Americans to reclaim our national vision.  Affordable home ownership is part of that American Dream.

 

Homeownership  

A man’s home is his castle,” wasn’t mere sentimentality. The right to own property – including one’s home – and to be secure in one’s person, property (think home), papers, possessions, and beliefs were at the core of the 1776 revolt. Note that the 10 Commandments protected private property, and the truth. 

The American revolution was also about no taxation or regulation without just representation. It was about establishing laws that protected rights, even the rights of minorities against the potential of mob rule from manipulated majorities.

We’ve got a Republic, at least on paper, not a democracy.  

But a new revolt, which could be peaceful, is arguably needed today. That revolution – and a counter-revolution – are already underway.

That revolution of the American Dream begins with understanding realities vs. popularized fictions, lies or half-truths.  

Zoning” and other forms of land-use control are among those structures that are potentially as oppressive as what the founders rebelled against in 1776.  Note that 200 year span between the revolution, and the dawn of the manufactured housing era?

Manipulations of the American system in turn caused affordable housing shortages in places throughout the nation. Who says? A growing body of researchers, that have been cited for years here on MHProNews, or on MHLivingNews. Why don’t those folks in Arlington, VA routinely cite those same third-party sources?  Why do they turn instead to their own, weaponized data and claims?

 

$2 Trillion Annually

Problematic zoning and land use, say university-level researchers, costs America an estimated $2 trillion dollars a year in lost GDP.

$2 trillion dollars a year is roughly equal to $6,000 per every many woman and child. 

Rephrased, for a household of 4 people, it would be like adding some $24,000 per year in earnings.

That’s life changing for tens of millions, and would be far more effective than the phony higher minimum wage, public assistance programs, or other enslaving handouts that some socialistic-minded wags advocate.  Those truly need have always been cared for in America. We didn’t need big brother government to care for people in need.

When Americans are kept from understanding and embracing manufactured homes – per the logic and reasoning that flows from third-party researchers from places like Harvard – it’s costly to all Americans.

But ignorance and rejection of the truth about manufactured housing is especially costly to those whose only home ownership chance may be a manufactured home. 

ManTouchingLightBulbMastheadBlogManufacturedHousingIndustryMHProNews

 

Wheat and Chaff 

There’s an absolute necessity to seek the truth, regardless of its source. That in turn requires a “wheat and chaff” approach that discerns what is real – from what is problematic. Often, common thoughts are nevertheless untrue. A great example is a manufactured home, which many misunderstand, because they believe the common prejudice, vs. the honest, demonstrable reality.  

We may disagree with this or that political party or organization on a range of issues.  But a group or person may still hold a position which is demonstrably wise, good, and true. Prosperity Now (formerly CFED) has done some fine research, but also hold some problematic socialist-tainted views. They are keenly involved in MHVille, and are an example of the need for a wheat and chaff approach. They are also an example of why engagement is a wise course of action. Critiques properly understood aren’t an attack.  Critiques are a call for intelligent debate, discussion, and mutual learning.

Former Clinton adviser and Democratic strategist Doug Schoen has said that the Democratic Party can’t be a party of redistribution of wealth. Smart.  

Schoen sees the hard left push in his party as embracing socialism, and he rejects it. Democrat Alan Dershowitz sees the harm being caused by weaponizing parts of the government in an attempt to illegitimately unseat a duly elected president.  

You or I may not trust the political, religious or economic perspective of some group or person.  But that doesn’t keep us from considering a specific truth that another may offer.  

So, for example. Much of what Democrats as a party are embracing today in the way of socialism and supposedly “free stuff” – which obviously someone must pay for – are demonstrably nonsense. They are false promises, designed to manipulatively attract, and trap millions of minds. 

But the Democrats were arguably smart to put up a policy position that calls for stronger controls over monopolistic forces in America. On that point, this Masthead writer agrees with them. That’s another example of separating the wheat from the chaff.

Candidates Bernie Sanders and Donald Trump agreed on this. The “System is Rigged.” That much is true. 

And that rigged system is keeping millions from being more free by having their right to choose a manufactured home limited or removed.

Yet, that right to choose a manufactured home is essentially codified in federal law, in the Manufactured Housing Improvement Act of 2000, found in the enhanced preemption clause. That’s how zoning and other land-use regulations, which are strangling opportunities for millions to own a manufactured home, can be defeated, just by applying existing federal law.

The reward for doing so is a society that researchers say would produce $2 trillion dollars more a year in GDP. That in turn would in time end the need for subsidized housing, and other well-indented – but nevertheless misguided – ‘entitlement programs.’ 

We editorially oppose socialists and monopolistic manipulators.  It is interesting to note that those billionaires often publicly claim to support leftist candidates. We oppose them, whether their headquarters are in Omaha or Silicon Valley, etc.

There are some billionaires who are no doubt just fine, so its not the rich that are being blindly opposed.  But rather, it’s those who have rigged the system against the rights of “We, the People.” It’s a matter of principle, based upon an understanding of economic, legal, political, and historical forces.

There are more than one strategic moats which threaten our Republic from within.  That’s why the fictional movie Network was as brilliant a look at reality as was George Orwell’s 1984. 

 HistorySeriesEventsDescribingAmbitiousTriesDominateManipulateOppressOthersThatCreatesDesireAmongFreedomAmongThoseBeingManipulatedDisadvantagedControlledLATonyKovach

 

Manufactured Home “Choice”

Manufactured Home Choice” or the “Manufactured Home Option” must become a factually accurate, evidenced based battle cry that third-party researchers logic says could create trillions in more wealth and GDP productivity for the USA.  

That would yield thousands of new millionaires, and some new billionaires. They should embrace the long-term vision to make that manufactured home option part of the reality of the “American Dream. 

That’s the Profitable Manufactured Housing Revolution.

That can be done without creating a monopoly. 

If you’re among those who’ve followed our periodic series of reports on issues – past and present – that could make manufactured housing greater than ever, you aren’t alone.  If you’ve missed them, some are linked below, as references for greater insight on this essay.

 

Tim, Kevin, Joe, Keith, David, Ross, Mike, Sam…

MH professionals named Tim, Kevin, Joe, Keith, Ross, David, Ross, Mike, Sam, and a host of others are – per our sources – following those reports, articles, and commentary like this on MHProNews.  When they follow it, that’s a good reason for others in MHVille to do the same, isn’t it?  

They, per the evidence, may or may not agree with the goals behind what we publish. What is our goal?  To expand opportunities made possible by a broad use of manufactured homes, promoted in an honest, sustainable, and honorable fashion.  

As an example of those that Marty Lavin calls the big boys” – and how they react to what is published on MHProNews is this.

We are told by sources in and out of their Arlington based network that a gent named Tim is “obsessed” with what we publish. 

Why?

If this was a place online for the angry or mad, it would soon be devoid of readers.

But instead, third-party reports reveal a growing audience, which includes: 

  • International investors,
  • public officials,
  • advocates,
  • media,
  • researchers,
  • educated people across the left-right divide,

along with thousands of manufactured and factory-built home industry professionals.  

They come each day by the thousands to the Daily Business News and/or to other parts of MHProNews. 

Some who initially misunderstood – or even strongly opposed – our exposés like Smoking Gun 3 and other reports have-or-are becoming convinced by the evidence presented.

Facts in context matter. 

Some monopolistic minds sought to marginalize or kill-off, we’re told, this pro-industry, pro-growth Trade Media platform – along with our sister-site, MHLivingNews.com – which also begs the question, “Why?” 

George Orwell, the founders, or other freedom-loving thinkers and doers throughout history hold the answer. 

Ignorance is Strength,” was a slogan “Big Brother” used in Orwell’s 1984. If someone can keep you ignorant of your rights or opportunities – in the problematic world-view of monopolistic or socialistic dominators – that allows them to profit or benefit.

The tragic irony is this.

There is arguably more profit without the monopolistic strategic Moat than with it. Is there evidence for that claim?

Sure.  Just look at MHVille when there were more independent producers, vs. the scarcity of independents today for proof.

There’s more wealth to be earned by making America and Manufactured Housing Greater than ever, than there is by robbing people of opportunities though pressures, ignorance, rigged systems or false promises. 

We have always celebrated honest success on MHProNews. 

We oppose on principle monopolistic or any other form of economic, moral, and political oppression as Un-American. 

At the end of the day, it’s the truth that sets people free. Who says?  How about a wise Jewish rebel who preached a gospel that even centuries later motivated the 1776 founders who put their lives, fortunes, and sacred honor on the line, when they began with those timeless words…

When in the course of human events…”

TheManufacturedHousingRevolutionMastheadDailyBsuinessNewsMHProNews

Knowledge, not ignorance, is the beginning of freedom.  

ItsTheCivilRightsIssueOfOurTimeMHLivingNewsDeadwood5StateConventionManufacturedHomesMHProNewsLATonyKovach

Education, not spin or hype, are a fundamental part of the Manufactured Housing Revolution.

 

NothingIsChangedUntilItisChallenged-SoheylaKovachLATonyKovachTamasKovachDonaldTyeJr.575x238

Tony took the photo at the right.

It’s all about the education of our fellows that can make this manufactured home industry an ever-more vital part of the American Dream of homeownership.

The proof is there for those who are willing to explore the evidence. Can we get an “Amen?” ##  (News, historic, commentary, analysis.)

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

Related Reports are below…

By L. A. “Tony” Kovach, publisher, consultant, history buff, and manufactured housing industry expert.

Connect on LinkedIn.  For 2x weekly emailed headline news, click here.

 

 

 

Related Reports:

Manufactured Home Shipments, State by State Breakdown, May 2018 Official HUD Data

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

 

Time Travelers, and the Future of American Homes

 

Deadwood, the Manufactured Housing Revolution, and You

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

“Challenges to Obtaining Manufactured Home Financing,” Urban Institute Report Fact Check, Analysis

YIMBY vs. NIMBY, Obama Admin Concept Could Unlock $1.95 Trillion Annually, HUD & MH Impact

 

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

Achieving the American Dream, with Quality, Appealing, Affordable Home Ownership

“The Solution to the Affordable Housing Crisis is Hiding in Plain Sight”

Weather Expert’s Surprising, Bombshell Statement on Tornado Deaths and Affordable Manufactured Homes

Researchers Shake Up American Dream? Rent vs. Buy, Ken Johnson, Florida Atlantic University, Exclusive to ManufacturedHomeLivingNews

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

“Death by Government,” Fascism, Communism, Socialism, ‘Big Brother,’ per Williams, Rummel and Owens

 

Publisher Rebuked! Doubting Doctor, Skeptic Stunned!

 

Manufactured Housing’s Professional Crucifixion

March 30th, 2018 No comments

 JesusCrossCrucifiedManufacturedHousingsProfessionalCrucifixionMastheadDailyBusinessNewsMHProNews

Let’s be crystal clear at the outset.

 

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

 

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

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

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

 PeopleCrossHUDCFPBFHFANIMBYZoningJuda$BlindManufactruredHousingCross

 

Manufactured Housing’s Crucifixion

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

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

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

…only to return more humbly again. 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

So why aren’t manufactured homes embraced?

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

 

Manufactured Housing’s Judas

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

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

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

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

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

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

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

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

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

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

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

Related Research:

Affordable Housing Focus Group

Documented Results from Manufactured Housing Industry Leadership

Elvis & Priscilla Presley Honeymooned in this Mobile Home

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

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

NothingIsChangedUntilItisChallenged-SoheylaKovachLATonyKovachTamasKovachDonaldTyeJr.575x238

Tony took the photo at the right.

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

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

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

FactoryBuiltCarsClothingAppliancesElectronicsCellsSmartPhonesHomesItJustFollowsLATonyKovachC2017MHproNews

That’s Debatable – Affordable Housing, Manufactured Homes, Trillion$ Await

December 16th, 2017 No comments

It was 15 years ago, but back then, MHI was correct to quote Harvard’s Eric Belsky.

MultipleReasonsExpectManufacturedHousingDoBetterThanSiteBuiltHousingEricBelskyEecDirJointCenterHousingStudiesHarvardUnivDailyBusinessNewsMHProNewsWhat happened to Belsky’s prediction, that kept manufactured housing from reaching its promised potential?

That’s debatable.

ThatsDebatableAffordableHousingManufacturedHomesTrillionsAwaitMastheadIndustryCommentaryMHProNews

 

We outlined in a cross-referenced, fact-based analysis and commentary part of what allegedly happened to the then-and-now potential for federally regulated, HUD Code manufactured homes to meet America’s affordable housing needs in the “Smoking Gun” report linked below.

4 Sentence Executive Summary of “Smoking Gun

Warren Buffett’s customary reading and research led Berkshire-Hathaway to buy up Clayton Homes, Vanderbilt, 21st, Oakwood, and other manufactured home connected businesses.  Using MHI as a chosen vehicle, they took a series of steps that arguably benefited their operations, often at the expense of numerous others.

Want evidence and reasoning to support that claim?

—> See the 21st Mortgage Corporation document -part of the “Smoking Gun” report and analysis – linked above.

Warren Buffett’s Famous “Perverse” Quote, Applied to Manufactured Housing

In “Perverse,” 3 Buffett Quotes are applied to manufactured housing.  ExecSummary? ‘He doesn’t think the industry will change, so he’ll win?’

WarrenBuffettQuotesPeverseEasyThingsDifficultChainsHabitLearnFromHistoryPeopleDontLearnFromHistoryManufacturedHousingMHI-MHProNews

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

We looked recently at what Buffett and his successor fear.  ExecSummary? A breakup.

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

We’ve also spotlighted the growing signals from the Trump Administration that the 45th president is eyeing anti-trust – read anti-monopoly – actions.

Based on prior reports on what Buffett fears – a Berkshire Hathaway breakup – is there any reason to think that Buffet’s empire – including Clayton – isn’t in the president’s cross-hairs?

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

The time to discover and debate replacing the Manufactured Housing Institute, should be engaged in now.

A third-party report on that subject is teed up from the Daily Business News item, linked below.

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

You can find the Manufactured Housing Association for Regulatory Reform’s (MHARR) detailed report on the need for a post-production association, linked below.

http://mhpronews.com/industry-news/mharr-news/mharr-releases-study-recommending-independent-collective-representation-for-post-production-sector

MH Debates, Discussions and…

At Tunica in 2017, we invited the Manufactured Housing Institute (MHI) to join the discussion – debate, if you will – the issue of media engagement, and their (in)effectiveness in that realm.  MHI’s PR person ducked out.

Frank Rolfe said yes.

That led to the following.

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

At Deadwood in 2017, Rick Robinson had the perfect opportunity to prove in front of dozens of industry professionals why what they’ve done is so brilliant, and why MHARR, this writer, MHProNews and other critics of theirs are all so wrong.

MHISrVPRickRobinsonManufacturedHousingInstituteLogoGenCounselMHProNews657

Robinson ducked in front of dozens.

I’m inviting – challenging MHI – to a public debate/discussion at Louisville, to be video recorded.  Video would allow the entire industry – and all other interested parties – to see and learn from the discussion/debate.

WithoutDebateWithoutCritismNoAdminNoCoutnryCansucceedNoRepublicCanSurviveJohnFKennedyManufacturedHousingIndustryMastheadCommentaryMHProNews

MHI’s own actions convinced me of several things.

Line those actions up – using Marty Lavin’s logic – with the money.  Doesn’t it lead you to the same places that Dems and Republicans alike have discovered about Berkshire Hathaway/Clayton Homes/VMF/21st hold over MHI, and the industry?

FollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNew

Marty Lavin Lashes the Manufactured Housing Institute’s (MHI) Latest Initiative

Debate is useful.

Scholars, and thinkers debate.

Business and investment professionals in their board rooms debate.

Politicians (sort of) debate.

Let’s be blunt. MHI to date has lacked the confidence to debate their true performance. They’ve had other opportunities. Do they really want the industry to starkly see what has been taking place in recent years? Would it embarrass them, and their string pullers? “We Provide, You Decide.” ©

Why not a great debate on the trillions in opportunities that could flow to factory-home builders, much of it to HUD Code builders?

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

The Yun Report demonstrates what we’ve said for years. There are trillions in opportunities in MH, but only for those willing to step out of the chains of the past into the bright opportunities of tomorrow.

Manufactured Housing Monday Morning Sales Meeting: Finance & Industry Facts, Figures, Sales Tip$ Improving Best Practice$

That will be a focus on the next, popular – Monday Morning Sales Meeting.

NewManufacturedHousing1trillion9PercentNew1percentExistingHomeSales2016CreditManufacturedHousingIndustryMHProNews

In some 600 words, you now have a link-laced snapshot of what third-parties and this writer believes is the truth is about the manufactured housing industry potential.  What successful pros are doing to grow at significantly faster rate than Clayton and Cavco.

WarrenBuffettQuotesPeverseEasyThingsDifficultChainsHabitLearnFromHistoryPeopleDontLearnFromHistoryManufacturedHousingMHI-MHProNews

You also now know what Mr. Buffett is counting on – inaction – that keeps most of the industry from enjoying the fruits of those opportunities.

Trends in MH Communities, Impacting Producers; Looming Crash?

Failure to act, will have consequences for still more independent producers, retailers and communities, as the link above demonstrates.

MHI?  Louisville Debate date/time, please?

How about the afternoon before the event begins? “We Provide, You Decide.” ## (Editorial commentary, analysis, opinion, news, fact-checks, manufactured housing.)

LATonyKovachPresentingStateConvDeadwoodSDKenCorbinCommentManufacturedHousingIndustryEventDailyBusinessNewsMHProNews

L. A. “Tony” Kovach presenting to a packed house.

L. A. “Tony” Kovach 
MHLivingNews.com
 MHProNews.com |
Office 863-213-4090 |


Whether you think you can or whether you think you can’t, you’re right. “
– Henry Ford

 

Mandamus! Magnificent May in MHVille, 2017

May 21st, 2017 No comments

Fight!

Fight!

Fight!

Example 1, of many possible examples.

Mandamus!

Mandamus –

Wikipedia › wiki › Mandamus

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

LegalUnlockEducationPrompotion1TrillionManufacturedHousingIndustryCommentaryMHProNews

Collage credit, MHProNews.com.

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

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

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

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

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

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

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

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

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

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

IfYouAreGoingtoBeThinkingAnywayYouMightAsWellThinkBigPresidentDonaldTrumpMHIndustryCommentaryMHProNews

Collage credit, MHProNews.com

Those profitable changes will come through a combination of:

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

·        Lobbying/Engagement (advocacy, education)

·        Marketing

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

·        Mainstream Media Engagement.

·        Trade media and services expansion.

·        Legal action.

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

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

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

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

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

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

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

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

shutterstock-ipadcredit-daily-business-news-mhpronews-com-774x466-a

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

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

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

M. Mark Weiss.

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

 

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

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

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

 

MHVillage Announces New Industry Service
by RC Williams

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

 

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

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

 

Triad Financial New Program for MH Retailers
By RC Williams

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

 

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

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

 

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

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

 

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

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

 

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

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

 

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

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

M. Mark Weiss.

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

 

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

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

 

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

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

It’s axiomatic.  Read more …

 

ROC USA announce Partnership
RC Williams

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

 

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

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

 

 

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

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

 

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

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

 

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

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