Posts Tagged ‘economic’

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

January 27th, 2019 No comments



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


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


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

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

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

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

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

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

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

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

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



Big and Small, They Lost It All

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

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

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

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

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



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


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



Jesus and the 10

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

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

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



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


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

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



This is historic. This is part of authentic history. 


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

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


Don’t stop being a merchant.


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

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

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

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



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

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

LATonyKovachQuoteManufacturedHousingIndustryWontReachPotentialAddresscoreIssuesArtificallyholdingitback466By L.A. “Tony” Kovach – for

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

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Related References:

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

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


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


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

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


“The Illusion of Motion Versus Real-World Challenges”









Marching-On for Manufactured Housing, 2016 

March 3rd, 2016 No comments

Before diving into our main topic today, two quick topics.  The first is a reminder that the rapidly approaching 2016 Tunica Show’s professional education day is March 22nd. There’s a hunger for practical, professional Education in manufactured housing, and our panel of Retailers, Community Pros – our Lenders Panel with their hottest plans – and our popular SuperCharge Marketing and Sales are all the afternoon before the main show opens, March 23-25th.  For updates and details on the 2016 Tunica Manufactured Housing Show as they happen, click here


Next is a reminder of how we got to this relative low point as a nation, which harms us all personally and professionally.  The Declaration of Independence and the U.S. Constitution were the greatest safeguards for individual liberty ever conceived prior to that time in human history. Those 18th century documents provided for limited government, separation of powers and local authority. Those limits on government kept individual liberty high, and allowed people to keep the fruits of their labors and thus encouraged innovation, jobs creation, etc. That Constitution was the answer to the tyranny of the kings and lords of the past, or the 20th and 21st century dictators and oligarchs. 


Image credit – Famous Quotes.

The nation slowly, over time, slipped those moorings of limited government. Those who want to rule over others, under whatever pretense or disguises one can imagine, tried and increasingly succeeded in creating the scenarios we see and live under today.  


Oligarch definition credit – Google.

Bloated, wasteful and corrupt bureaucracies, quasi-legal powers that stand outside of the normal law enforcement and judicial system, a tax code written for the powerful and the spending/appropriations that long ago violated the principles of Article 2, Section 8 of the Constitution. The Founders would be in shock.


Image credit – Like Success.

But as Dr. Ben Carson reminds those willing to listen, the founders imagined such a time could come, and they believed that we the people would wake up in time to save our freedom, free enterprise and our Republic.

That Liberty is what is at stake in 2016. Sorry to say that no one on the Democratic party side that is still in the race raises such issues. They are addressing the symptoms of the problems they claim to want to cure, by giving Americans more of the cause of the problems. Bigger government is not the solution. Socialism economically ruined Russia, Cuba, Venezuela and other lands. Much of Europe is teetering on the edge of bankruptcy, thanks to socialism.  


Image credit – Kansas Policy.

Among the Republicans, the real reason for their street brawl is that the powers-that-be – the so-called Establishment, lobbyists, political influence peddlers, et al – they are seeing their system/power being threatened. Thus they are willing to do any and every nasty thing one can imagine, because if you throw enough mud, their professional string-pullers and manipulators know some mud will stick. 

Those establishment geniuses in both major parties (FYI – once more, I’m an independent, not registered in either party – and speak for myself, not for others) have for decades through policies like those mentioned, given us the problems we face today. Examples:

  • the large and growing mess in the Middle East;
  • gave us porous borders and a much abused immigration/visa system for decades – look at how “rapefugees” are terrorizing Europe, do we want those kinds of problem here?
  • Created the $500 billion dollar plus annual trade imbalances with China and others, which in turn decimated our industrial base – costing Americans millions of good jobs:
  • that in turn creates more unemployment, more welfare programs, more budget deficits…;
  • a tax code that costs us billions of man hours a year to comply with;
  • ObamaCare, that is a jobs killer that has driven up the costs of medical care rather than cut them;
  • regulatory codes that choke off new businesses, and favor large business over smaller ones – thus choking off job creation;
  • handed over tens of billions to Iran, a state sponsor of terrorism;
  • gave us decades of energy dependence, while trillions of dollars flowed out of the U.S. that created those gleaming cities that rise from the deserts of the oil rich Arab nations, some of which in turn…;
  • …are funding the Islamic terrorists that we are spending hundreds of billions of dollars defending against them, defending against China, Russia, Iran, North Korea...who created these gigantic messes and stratospheric debts and deficits?

Answer. Establishment politicos in both major parties. And it was made possible only because the U.S. Constitution is being routinely

kurt kelly american insurance agency aia 50x50

Kurt Kelley


DJ Pendelton

ignored. Please read the brilliant article by Kurt Kelly and DJ Pendelton on the Supreme Court, linked below, because it sheds a telling light on why this is so crucial to you and all Americans today.

Having teed up future articles with the above outline – because our nation’s future is hanging in the balance – lets pray for wisdom and courage to deal with these issues, which harms our industry, so many others and the people of these great United States of America too.

Now let’s turn to the primary topic for this month of March for manufactured housing professionals.


Photo credit, WikiCommons, poster credit, copyright (c) 2016, All Rights Reserved, LifesStyle Factory Homes, LLC.

Marching On for Manufactured Housing


A Cup of Coffee with…Barry Shein, Commodore Homes – this is one of the multi-decades stalwarts of our industry.  Barry brings keen insights, and you’ll likely learn things you will see or read no where else in MH publishing.

The interview also provides a thoughful example that MHProNews is ok with perspectives other than our own.  We’ll publish well reasoned comments of those who disagree with me, and will publish it on our own pages. 

Triad Financial Services – Don Glisson Jr.. This is part two of our in-depth Inside MH Road Show Video with TFS’ Chairmen and CEO.  Part 1 was a hit, part two will be too!


Cartoon credit – L. A. “Tony” Kovach, Copyright (C) 2016, all rights reserved, by LifeStyle Factory Homes, LLC – parent company to &


This month, we might have called this legal scholars month. With no less than 5 articles by attorneys (“suits”) among our featured articles, all of which are listed and linked below. 


We might also call this finance month. Part Two of our hit Inside MH Road Show video with Triad Financial Services, Don Glisson Jr. Team SACU introduces what you can expect from them at the 2016 Tunica Manufactured Housing Show. Michael A. Parham, JD talks Duty To Serve (DTS) manufactured housing, and yours truly breaks down a misunderstood part of the recent Buffett Letter on Clayton Homes and their related lenders. All that and more are linked below.

MH Retail 

Clayton Homes joins us this month with insights on their recent acquisition of G&I Homes. A must read for all who follow the industry’s dominant player.

Inside MH Video with MH Retail Pros. This video also features insights into how Sunshine Homes works hard between departments and sneak peaks into the plant operations to help insure a great product and experience for home buyers and retailers alike.  This is “must see, MH TV.”  


Submitted to us by an MHProNews reader. Cartoon credit – Dixon Diaz, Politically Incorrect. Other thoughtful perspectives, letters to the editor and OpEds are encouraged and welcome.

MH Communities 

Kurt Kelley, JD, raises an question many in the MHC world will find timely, because it is ripped right from the headlines.

Nadeen Green, JD, dives deeper into why Fair Housing issues have to be handled properly. Miss this read, and it could be costly.

Two new posts by MHRE’s Christopher Nortley.

JLT Associates latest market report on MI. 


Dennis Hill gives you an in depth updates on the latest official news for the Tunica Show.

WHA’s Laurie Mercurio giving you a recap on the Hill visits and MHI’s annual meeting. Sunshine, CU Factory Built Lending, Triad Financial, MHWC and others are sharing articles that have tied to the rapidly approaching 2016 Tunica Show.

Inspirational – Motivational

Legendary Zig Ziglar, and living legend Tim Connor each provide food for thought that feeds the mind while inspiring the soul.


CFED and CFPB’s logos are the respective properties of each organiation, and are used here under Fair Use commentary guidelines. Cartoon by L. A. ‘Tony’ Kovach, LifeStyle Factory Homes LLC. All Rights Reserved. Click here or the image above to learn more.

Marketing & General Industry

Tifanee McCall on the value of extended warranties in selling more factory built homes.

Wayne Coakley returns with another timely look at why online reviews  – and how you can make them pay – is so important.

Story Telling – L. A. ‘Tony’ Kovach – brings you topics that every week are changing the way thousands upon thousands are understanding manufactured housing.  Millions of visits and rising sales for those using these tools MH storytelling  resources are proof that this approach makes sense for manufactured housing.

MHARR News and Commentary

While these aren’t technically featured articles this month, it’s because of timing and other issues, so we do want to draw your attention to recent items shared with us from the Manufactured Housing Association for Regulatory Reform (MHARR) president, M. Mark Weiss. See this link here.

With no further adieu, here is the link to our featured articles for Marching On for Manufactured Housing.

Featured Articles and Reports for Vol. 7, No. 6, 2016

Alphabetically by Category




• “It’s Not Over Until the Fat Lady Sings…”

by Nadeen Green, JD

nadeen-green-mhpronews-comFair Housing…it’s the right thing to do! This has long been my mantra as a fair housing teacher.

Read more…


• Why Your Strongest Vote Isn’t at the Ballot Box

 by L. A. “Tony” Kovach

tony- kovachLet’s clearly state up front that voting in elections is important. I do it, as do millions of motivated citizens.

Read more…


• Justice Antonin Scalia: The Verdict of 2 Manufactured Home Industry Lawyers

by Kurt D. Kelley and D.J. Pendleton

kurt-kelly-american-insurance-agency-aia 50x50THE JUDGMENT – A differentiating feature between an economically vibrant country and a Banana Republic is the functionality of their respective judicial systems.

Read more…


• What If My Park Is The Next Flint, Michigan?

by Kurt Kelley, JD

kurt kelly american insurance agency aia 50x50If you follow any mainstream news or social media, you have likely seen or heard about the recent Flint, Michigan water contamination crisis.

Read more…


• Community Closures in Arizona

by Michael A. Parham, JD
MichaelAParnham-JD-WilliamsZinmanParhamPC-PostedMHProNews-com50x50Over the past year, Manufactured Housing Communities of Arizona (MHCA), representing the owners of communities, has assisted the residents of five communities when their community is closing.

Read more…


• Including Manufactured Home Chattel Loans in GSEs Duty To Serve

by Michael A. Parham, JD

MichaelAParnham-JD-WilliamsZinmanParhamPC-PostedMHProNews-com50x50Editor’s Note:
 Susan Bretton with the Manufactured Housing Communities of Arizona (http://azmhca.comprovided this letter authored by Michael A. Parham, JD, for for publication by MHProNews.

Read more…



• Clayton Announces Addition of New York Home Business

by Clayton Homes

ClaytonHomes-logo-50x50Clayton welcomes 50 year old family-run business G&I Homes

Read more…


• 2016 Tunica Manufactured Housing Show Updates

by Dennis Hill
dennis-hill-showways-unlimited-manufactured-housing-mhpronews-com-50x50-The Tunica Show is the biggest display of manufactured homes in the nation! It will be better than ever in 2016.

Read more…


• Spotlighting Flawed Math by Media and others; What’s Clayton’s Lenders Repossession rate? 

 by L. A. “Tony” Kovach

tony- kovachFor any of us, the maxim “
a little knowledge can be a dangerous thing” can apply.

Read more…


• Retailers, Production and Service Professionals – Sunshine Homes – Inside MH Video

 by L. A. “Tony” Kovach

tony- kovachThe concept of capturing a story from the point of view of those who know the subject best is both simple yet profound.

Read more…


• Community Banks, Credit Unions and MH Community Manufactured Home Personal Property (Chattel) Lending – Don Glisson Jr., Triad Financial Services – Inside MH Video 

 by L. A. “Tony” Kovach

tony- kovachDon Glisson Jr, Chairman and CEO of the manufactured home industry’s largest independent personal property (chattel, home only) lender – Triad Financial Services – sat down with INSIDE MH at the Louisville Show to do an in-depth video interview.

Read more…


• 2016 JLT Market Reports Now Available for Major Markets in Michigan 

Darren Krolewski
darren-krolewski-vp-mhvillage-posted-manufactured-home-professional-news-mhpronews-com-55x55Datacomp, publisher of JLT Market Reports, is pleased to announce that our comprehensive manufactured home community rent and occupancy reports are now available for major markets in Michigan.

Read more…


• Building Integration Photo Voltaic (BIPV) in Manufactured Housing 

by Steven Lefler
steve-lefler-vp-modular-lifestyles-newport-pacific-manufactured-homes-mhpronews-com-AModular Lifestyles teamed up with Hallmark Southwest and DOW Chemical to build for an Ojai, CA. homeowner; a factory HUD home using the DOW CHEMICAL “Solar Roof Shingles” as its roof.

Read more…


• Why Consider a New Manufactured Home Warranty?

by Tifanee McCall

TifaneeMcCall-MHWC-ResidentialWarrantyCompany-55x55Why Consider a New Manufactured Home Warranty?Why Consider a New Manufactured Home Warranty?Why Consider a New Manufactured Home Warranty?

Read more…


• Washington, DC – MHI Capitol Hills Visits

by Laurie Mercurio
LaurieMercurio-WisconsinHousingAllianceCommunicationsDirector-postedMHProNews-com-55x55The Manufactured Housing Institute (MHI) held the annual 2016 Congressional Hill visits for the industry.

Read more…


• New Michigan MHP Opportunity!

by Christopher Nortley

ChristopherNortlyMHREinc=postedMHProNews-comy50x50-MHRE announces a new MH/RV Park in New Michigan.

Read more…


• MHRE | FL | 66 Sites | MH/RV Opportunity

by Christopher Nortley

ChristopherNortlyMHREinc=postedMHProNews-comy50x50-MHRE announces a new MH/RV Park in sunny Florida.

Read more…


• A Cup of Coffee with…Barry Shein, The Commodore Corporation 

1) Who, What and Where: (Your name and your formal title at Commodore Homes and where your company is based).

a-cup-mhmsm-comBarry S. Shein, President of The Commodore Corporation, Goshen, Indiana 46526.

Read more…


Redevelopment of Pacific Skies MHC at a Standoff

by Matthew Silver

matthew-silver-daily-business-news-mhpronews-comMHProNews last posted a story Jan. 25, 2016 concerning the standoff between the California Coastal Commission on one side, and the city of Pacifica, CA and Pacific Skies Estates manufactured home community on the other.

Read more…


• CUFBL and Mountainside Financial Exhibiting at Tunica Manufactured Housing Show 

by John Walters

JohnWalters-CUFactorylanding(Greensboro, NC) – CU Factory Built Lending(CUFBL) and Mountainside Financial, divisions of SACU and leaders in manufactured home lending will be exhibiting at the upcoming Tunica Manufactured Housing Show, March 23-25, 2016.

Read more…



• Are you climbing the wrong tree?

by Tim Connor, CSP

tim-connor-mhmsm-comThe analogy I’m going to use here is an analogy from the Garden of Eden – the tree of life and the tree of knowledge.

Read more…


• ZigOn Saying Thank You

by Zig Ziglar

zig-ziglarU.S. President Theodore Roosevelt has been described as founder of the Bull Moose Party, the man who led his troops up San Juan Hill in the Spanish-American War, a big game hunter, family man, civic servant and a host of other things.

Read more…