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Ultimate, Proven Contrarian Investing – Ethical vs. Unethical, Legal vs Illegal Manufactured Housing Industry Strategies

May 17th, 2019 No comments

 

UltimateProvenContrarianInvestingEthicalvsUnethicalLegalvsIllegalManufacturedHousingIndustryStrategiesMastheadLATonyKovachMHProNews

For the next few minutes, imagine a hedge fund or deep pockets investor. In the following blend of the hypothetical mixed with numerous significant linked elements of evidence formed by reality, picture in your mind the following.  Reflect on an outsider looking into why Warren Buffett – or other lesser known, yet successful investors – are into manufactured housing in the first place.  Manufactured homes aren’t normally viewed as a ‘sexy investment.’

 

Cool or sex-appeal aside, are the manufactured housing industry’s various segments potentially good investments?  If so, why – in some measures – is the industry underperforming?  Is underperformance an opportunity in disguise? Let’s review to gain perspective, before diving into the headline topics.

There are scores of other investment opportunities. There are speculative, but sexy items like: AI, technological, internet, automation, robotics, and whatever is after 5G.

There are tried and true fields of investment like automotive, restaurants, entertainment, health, sleep, furnishings, electronics, gaming, or anything that deals with the necessities of life: food, drink, clothing, transportation, and shelter.

There are also human emotional needs, physiological, sociological, and spiritual demands that could be described or explored.

What follows isn’t per se why affordable housing is potentially ‘the best of the best.’ But like the other basics of life, people routinely do their best when they have at least adequate shelter. So there is an obvious potential for a fine ethical development of investing successfully in affordable housing.  There is always a need for affordable homes too.

That begs the question, what’s the most proven form of affordable housing?

The most proven form of affordable shelters aren’t tiny houses, apartments, or any of the emerging technologies in shelter. For example, a 3D printed housing professional has told me they see turn key costs about $72 per square foot, plus land costs, not the lower shell house cost per square foot that some headlines hyperventilate over.  When reports – like the one below – sounds too good to be true, it often is.  That doesn’t mean there isn’t promise.  It does mean that the claims are incomplete at best.  Manufactured homes are still lower in cost, and have other benefits.

Media Claims New Story/ICON Builds 3D Printed Housing for $4000, Fact Check & Analysis

 

Prefabricated and modular, they all have their places in the housing puzzle, which is why Amazon’s Alexa Fund, Softbank, Revolution, and others are investing in that space.  There are also opportunities in maintenance of conventional buildings.

So, with that outline, what’s the most proven form of affordable housing in America?

 

InfographicMobileManufacturedHomeManufacturedHousingIndustryFactsDataResearchMobileManufacturedHomeLivingNews-445x768

TerminologyMattersBecausetheTerminologyDescribestheConstructionStandardsHomeBuiltToSteveDukeLMHAmanufacturedhomesmobilehomesMHProNewsThe most proven form of permanent, safe, greener-by-design affordable homes are perhaps the least sexy from much of cultural or societal viewpoints. The most proven form of affordable housing are HUD Code manufactured housing, and the millions of mobile homes and trailer houses that came before them.

Yes, the terminology matters, because the terminology determines what code a home was built to meet. Hold tight to those thoughts. Don’t skim, or you’ll miss the investment bonanza that has savvy billionaires salivating.

 

Sam Zell

Investment mogul Sam Zell articulated the contrarian investor formula like this. “While others are going left, look right.”

It’s noteworthy that Zell told MHProNews news that they have “never lost confidence” in manufactured housing and manufactured home communities. Indeed, Zell’s Equity LifeStyle Properties (ELS) routinely out-performs other REITs or equities.

Ponder Zell and those factoids, but don’t get locked into what others are doing – yet – until you have a more complete picture.  The problem for too many is that they don’t research carefully enough.  Too many presume they know something, when in fact what they ‘know’ are outdated or mistaken claims.

Warren Buffett has said that he only wants to be in industries that make sense. His Berkshire Hathaway is the largest player in manufactured housing production, retail, and finance today.

Buffett also believes in long-term investing in good companies, that he prefers to own.  He’s also known for so-called ‘value acquisitions.’ To Buffett and his partner Charlie Munger, an acquisition is a value if it’s ‘intrinsic value‘ is less than he paid for it.

Clayton Homes, 21st Mortgage Corporation, and Vanderbilt Mortgage and Finance (VMF)  are just 3 of many investments Warren Buffett led Berkshire Hathaway has made in manufactured housing starting in 2003. Berkshire has invested billions into manufactured housing since. Those actions by Zell or Buffett – their ongoing investments, despite negative headlines –  speak louder than words.

Hang onto all of those points as we explore why manufactured homes are so misunderstood, and why the industry is underperforming. Because crisis spells danger, as well as opportunities in disguise. Before Buffett invests, he reads a lot. Some of what the ‘Oracle of Omaha’ reads is historic in nature, so let’s follow that cue.

2018DataShareofHousingMarketManufacturedHousingInfographicDailyBusinessNewsMHProNews612

 

Manufactured Home Policies, Realities Revisited Through the Lens of John Oliver’s “Mobile Homes” Video

The debate over manufactured home lending regulations was raging in July 2015. The Hill in the nation’s capitol published a column about the Preserving Access to Manufactured Housing Act, linked here.

The Manufactured Housing Institute (MHI), Berkshire Hathaway owned Clayton Homes, and their manufactured housing (MH) related lenders of 21st and VMF backed the never-enacted Preserving Access.

Stating the obvious, the need for affordable housing with reasonable, sustainable lending has grown. HUD Secretary Ben Carson recently praised the way the need can be met by the “amazing” evolutionary value of manufactured homes.

The Washington Post published articles about manufactured housing, linked here and here.  The second WaPo link predated the satirical hit by Last Week Tonight with John Oliver’s viral video, errantly named “Mobile Homes.”

 

 

WaPo and Oliver’s video referenced a white paper co-branded by an activist group known as Manufactured Housing Action (MHAction). Oliver’s video obliquely spotlighted that each firm shown was a member of/connected to MHI, Berkshire Hathaway owned Clayton Homes, or 21st Mortgage Corporation.

Hindsight can be 20/20.

In retrospect, it made no sense for MHI, Clayton, and 21st to pursue Preserving Access. MHI’s own SVP said as much.

 

JasonBoehlertPhotoManufacturedHousingInstituteLogoMHISVPGovtAffairsQuotePreservingAccess

 

Before proceeding, some of what follows might appear partisan. Facts are what they are. We are non-partisan, and affordable housing ought to be bipartisan. Our platforms are frankly pro-industry as well as pro-consumer, and we will work with anyone that is keen on ethical practices and reality. Democrats and Republicans In Minnesota came together to praise in a bipartisan way the value of manufactured homes, which they first studied in depth.

 

 

That said, let’s look at some well-known facts.

WarrenBuffettBillClintonHillaryClintonBarackObamaKevinClaytonNathanSmithPhotosMastheadLATonyKovachMHproNews> Berkshire Chairman Warren Buffett backed Barack Obama’s candidacy twice.
> Former President Obama vowed to veto any change to Dodd-Frank.
> Buffett backed Secretary Hillary Clinton’s presidential bid.
> She similarly pledged opposing changes ‘weakening’ Dodd-Frank.

That begs several questions.

  1. Why did then-MHI Chairman Tim Williams – President of Berkshire-owned 21st – spend years and millions pursing Preserving Access when it was doomed to fail?
  2. Why did Williams’ back a bill his boss Buffett effectively opposed?
  3. Why did Nathan Smith of SSK Communities, the prior chairman to Williams at MHI, back the opposition presidential candidate to Preserving Access?

Hold those thoughts.

MHAction activists disrupted HUD Secretary Ben Carson’s speech at MHI’s 2018 event. MHAction previously protested controversial MHI member Frank Rolfe, and other MHI member MHCommunity operators.

The Golden State Manufactured-Homeowner League’s (GSMOL) president informed MHLivingNews that MHAction was funded by the Tides nonprofit. Double-checking, the GSMOL claim proved correct.

Who’s funded the Tides? Buffett-funded NoVo Foundation was the Tides’ top donor for years.

Millions of Buffett’s bucks – via so-called ‘dark money’ channels – funded attacks by MHAction, plus other nonprofits on MHI and Berkshire’s manufactured home (MH) industry’s brands.

 

What’s Going On?

Let’s be clear. Several business practices alleged by Oliver, WaPo, and MHAction are troubling.

But why does MHI – the national trade group supported by Berkshire – tolerate members engaged in embarrassing business practices?

Meanwhile, Buffett-Tides-supported nonprofit MHAction attack MHI members for irksome practices?

Investigators use basic questions and principles. Cui bono? Who benefits? Plus ‘follow the money’ and evidence.

 

The Society of Professional Journalists (SPJ) code of ethical conduct encourages calling out the powerful. SPJ encourages public corrections as needed. This writer was technically correct in supporting Preserving Access. But in hindsight, my widely-read The Hill analysis was incomplete in the light of new evidence. The facts linked herein address amendments to correct-the-record, per SPJ standards.

Let’s step back to when Berkshire bought Clayton Homes.

Clayton’s production market-share of new manufactured homes was some 13 percent in 2003 when Buffett-led Berkshire purchased Clayton.

ClaytonHomesOakwoodHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2003MHanufacturedHousingIndust

Clayton Homes, 2003. After the Buffett Berkshire Buyout.

 

A 2010 letter from Williams/21st, Buffett’s annual letter that year, and a subsequent video interview with Clayton CEO Kevin Clayton are provided. William’s/21st letter went to thousands of independent retailers. cutting-off lending to independents that failed to buy Clayton Homes products. In the wake of the 2008 housing/financial crisis, that 21st letter’s impact devastated independents.

 

ClaytonHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2011MHanufacturedHousingIndustryProNews

This graphic is a snapshot of the industry at about the time of the Kevin Clayton in-depth video interview, posted on this linked page. In that video Kevin said what “Warren” teaches his managers about competition and the Moat.

 

Thousands of independent retailers failed. Meanwhile, Clayton grew.

Depending on the source you cite, by 2018, Clayton’s market-share of manufactured housing production hit some 48-50 percent, which included using the undisputed tactics documented here.

 

ClaytonHomesBerkshireHathawayMarketShareofManufacturedHousingEnd2017MHanufacturedHousingIndustryProNews

While several allegations of monopolistic practices have been made against Clayton Homes and Berkshire Hathaway, this website and our sister site are the only one to date known to have produced evidence, using their own documents and words.  But the Nation, Atlantic, Seattle Times, and Guru Focus are among others in media that span the left-right divide that make similar points; namely, that Clayton and their related lenders behave in a monopolistic fashion.  The Washington, D.C. based Manufactured Housing Association for Regulatory Reform (MHARR) have made several such references over the years too.  What makes MHProNews and MHLivingNews unique is that we’ve dug deeper, and documented how it was arguably accomplished, using Berkshire’s own documents and information.

 

I’ve asked antitrust and other lawyers to examine the linked evidence. An antitrust case could be forged. Investors, media, and public officials, please hold that thought.

Later, controversial MHI member Frank Rolfe accused the association’s former chairman Nathan Smith of “hypocrisy,” pointing to harmful mainstream headlines Smith’s SSK Communities sparked.  Rolfe also alleged that MHI failed to defend the industry from bad news or to promote good news. Odd? Is Rolfe – who has his own vexing image issues – correct?

As noted above, Minnesota lawmakers decided in a bipartisan report that affordable housing and manufactured homes go hand-in-glove.  Secretary Carson and former HUD Secretary Julio Castro both praised manufactured homes too. Why aren’t those items on the MHI website?

Why are there numerous third-party, university level, nonprofits, or federal research that praise manufactured homes missing also missing from the MHI website? The screen captures are collages from MHI’s search tool. They seem to support Rolfe’s claim.

Buffett gets into businesses he believes make sense. An arguably Machiavellian ploy is coming into focus.

It includes a ‘Rope-a-Dope’ ploy with respect to Preserving Access.

 

Rope-a-Dope – Preserving Access to Manufactured Housing Act, Mom, Dad, & You

 

Berkshire machinations arguably includes Buffett’s minions deploying ‘Castle and Moat’ ‘sharks in the waters’ tactics in manufactured housing.

Complex:

are all more difficult for smaller firms to navigate than a larger one with deeper pockets.

In hindsight, MHI’s “big boys” led-the-charge for a Preserving Access bill that was doomed to fail. The bill created the Illusion of Motion.” But Buffett’s bucks funded both the pro-and-con sides of that effort. It was arguably a rope-a-dope ploy, another shark in “the Moat.” Wear out independents fighting a rigged match.

SoTheAssociationMHIIsNotThereFortheIndustryUnlesstheinterestsoftheBigBoysJointheIndustrysMartyLavinMHIAwardWinnerQuoteMHProNe

Using the logic of Secretary Carson and the report linked here, this scheme arguably harms millions, and costs our economy hundreds of billions a year – what researchers said is the harm caused by a lack of affordable housing.  That’s an aspect of the opportunity in disguise.

Now, this same picture points to numerous opportunities in manufactured housing by using ‘white hat’ strategies vs ‘black hat’ ones. Meaning, Smith, Rolfe, Clayton, Williams/21st and others are going to be who they are. Use that by being different than they are. Think and be Contrarian!

YouMHProNewsSeemToHaveConceptualIQThatIsMoreImportantThanSpellingAbilityQuoteMastheadMHProNews

Quote from an MHI member, business executive.

There are good laws on the books that make manufactured housing so appealing. Those good laws are not being properly enforced or implemented. There is a case to be made that the industry’s Omaha-Knoxville-Arlington axis, there allies and surrogates have worked to suppress the usefulness of those good laws. If so, that’s a short term tactic.  Once they’ve obtained their own perceived ideal combination of political and economic scenarios, they will take their foot off artificial breaks.  At that point, the industry’s production could soar.  Why?  Because as the National Association of Realtor’s (NAR) Chief Economist Lawrence Yun told Forbes, there is a need for some 8.3 million housing units.

Only factory building can logically close that gap. For the reason, Yun asked Scholastica ‘Gay’ Cororaton – Certified Business Economist (CBE) – to research manufactured housing. She did.  That expert NAR research, is linked here.  In her first footnote, on page 48, she kindly named this writer in her acknowledgements.

The evidence for that is subtle, but real. For example, why doesn’t Berkshire use their dozens of newspapers to each do an article every other week that debunks the misconceptions about manufactured homes? Or why doesn’t Buffett allocate money for a real image campaign for Clayton, instead of fig leaf efforts or a continuing stream of controversies? Or why does MHI – on their own website – fail to promote the numerous good news reports about manufactured homes that could lead more to invest in the industry, or buy more homes?

Who will argue that Buffett, Berkshire, Clayton, or MHI have made 15 years of mistakes?  Isn’t the more plausible argument that the axis are deliberately NOT promoting manufactured homes, so that they and their comrades continue to consolidate the industry at discounted values?  How to explain that the savvy, connected Nathan Smith admits the association’s past mistakes, but they continued to make them?  How to explain how he laughs as he says he wants others to stay out of the industry, so he can have all of the communities – his part of the industry – all for himself?

 

 

Learn yourself, contact or hire experts that can help you navigate the complex world of an arguably rigged manufactured housing industry.

Why bother chasing the manufactured home rainbow? Why go through the brain damage? Because the industry is underperforming. That’s proven by public companies investor relations packages.  That means the upside is pretty obvious.

 

ManufacturedHomeMHShipments1990-2017MastheadManufacturedHousingMHProNews600

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

 

Each of these factoids paint a picture of an industry that should be roaring instead of snoring. The dark money trail of Buffett bucks fueling both sides of various fights – like Preserving Access – should tell the savvy that there must be something huge here, or why bother going to all that trouble?

Indeed, housing is a multi-trillion dollar field. How high might manufactured housing go? Consider what Harvard’s Joint Center for Housing Studies (JCHS) Eric Belsky said not long before Buffett entered the industry that manufactured housing was poised to surpass conventional building.

 

MultipleReasonsExpectManufacturedHousingDoBetterThanSiteBuiltHousingEricBelskyEecDirJointCenterHousingStudiesHarvardUnivDailyBusinessNewsMHProNews

Was Belsky wrong? Or how about the numerous other third-party studies that came to similar observations?  Isn’t the better argument that Belsky and others never imagined Buffett reversing growth, so they could consolidate the industry at a discount?

Why has HUD Secretary Ben Carson said it is time to take manufactured housing out of the darkness of limestone into the brightness of the limelight? Could it be that he gets it that forces within the industry have hobbled the most proven form of affordable housing?

 

 

Let me say that having spoken personally with a number of federal investigators, I have no doubt personally – speaking as a 25 plus year proven, award-winning expert in this field, long-praised by some of the very people we now critique – that manufactured homes are underperforming not due to the ineptness of MHI.

 

 

Rather, the evidence suggests that the Omaha-Knoxville-Arlington axis and their allies are behaving as they do as a subtle manipulation of the system.  Only a handful of people need to be in the know to pull this off, so no grand conspiracy is needed.  It is what Senator Bernie Sanders or President Donald J. Trump fans might aptly call, “a rigged system.”  What’s this compared to what happened to Bernie in 2016?  Or to President Trump in 2016-2019?

Even Clayton’s local home town media has been pushed into admitting their are several ongoing federal investigations.

 

 

We’ve had the slings and arrows of outrageous fortune flung at us.  For example, MHI outside attorneys and other surrogates have threatened us in writing for publishing such revelations over time. But they’ve never filed suit. Why not?

We’ve given the Omaha-Knoxville-Arlington axis, their attorneys, and their allies numerous, documented offers to refute, explain away, or disprove any of those linked allegations. We’ve offered public, moderated discussions on camera – prove any of these fact elements wrong, or explain a different interpretation of these linked items. At each stage, they’ve declined. They’ve ducked it for some 2 years. Why?

Alan Amy essentially explains it in this short video. Manufactured homes are the future of housing. That why the billionaires and multiple billion dollar firms want their arms around this industry.

 

 

That should speak volumes to investors, as should this focus group. These participants almost all owned a conventional house first.

They love their manufactured homes. They were given $20 in gas money, and a meal to spend over four hours just so they could participate in this focus group. They had no other incentives, Dave their own self evident convictions. That too speaks volumes.

 

 

The video above and below are part of a series.

 

 

Advocates, lawmakers, and reporters should hold specific MHI-connected ‘Black Hats’ accountable, not the ‘White Hats’ of the much-needed manufactured home industry.

Let’s close by noting that some of the same people who’ve previously praised our work, have – perhaps understandably – turned on us since we’ve began exposing their alleged treachery.

 

 

It is also important to stress – not because of ego, but for outsiders looking in – that this is the largest, and most read medium of their kind in manufactured housing.  We’ve been praised by the big and small, for years, and while they may now jeer, companies of all sizes read us faithfully.  See the first of two videos that make the point, from those who’ve said so that were given no incentives to proclaim what they did.

 

 

A few deep pocket brands in the MH industry arguably rigged the system to the detriment of millions. Federal regulators – already investigating Clayton, 21st, and VMF – should investigate MHI and others for antitrust, fraud, and possible RICO violations.

 

 

And investors should consider the many ways how they could be a white hat brand that profitably performs a much needed service, while the black hats play their sad games.

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

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

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

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

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

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Related References:

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

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

“Lead, Follow … Or Get Out of The Way”

HUD Code Manufactured Home Production Decline Continues, May Updates

 

HUD Study, Analysis of Zoning Discrimination Against Manufactured Housing Sought

 

MHARR Releases Study Recommending Independent Collective Representation for Post-Production Sector

Independent National Manufactured Housing Post-Production Association Takes Major Step

 

 

 

 

 

 

 

The Two Gardens, America, and Manufactured Housing

April 19th, 2019 No comments

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

 

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

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

 

 

The First Lies and Temptations

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

 

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

 

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

 

But jump back a few verses.

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

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

 

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

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

Why?

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

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

 

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

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

23 The man said,

“This is now bone of my bones

    and flesh of my flesh;

she shall be called ‘woman,’

    for she was taken out of man.”

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

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

 

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

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

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

 

 

The Fall

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

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

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

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

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

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

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

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

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

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

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

“Cursed are you above all livestock

    and all wild animals!

You will crawl on your belly

    and you will eat dust

    all the days of your life.

15 

And I will put enmity

    between you and the woman,

    and between your offspring[i] and hers;

he will crush[j] your head,

    and you will strike his heel.”

 

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

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

Why does God’s will matter?

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

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

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

 

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

 

 

Angels and Devils

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

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

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

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

 

The Beginning

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

 

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

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

 

“…And God saw that it was good.

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

27 So God created mankind in his own image,

in the image of God he created them;

male and female he created them.

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

 

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

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

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

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

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

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

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

 

 

Another Garden

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

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

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

Judas betrayed Jesus like this.  From Matthew chapter 26:

 

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

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

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

 

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

 

 

Jesus’ Betrayal and Our Own

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

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

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

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

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

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

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

 

 

False Promises

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

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

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

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

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

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

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

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

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

 

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

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

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

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

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

 

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

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

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

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

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

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

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

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

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

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

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

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Start of Passover for Jews, Good Friday for Christians 2019

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

 

 

 

 

 

For Want of a Nail – Manufactured Housing

April 12th, 2019 No comments

 

ForWantofaNailManufacturedHousingMastheadMHProNews

For Want of a Nail
For want of a nail the shoe was lost.
For want of a shoe the horse was lost.
For want of a horse the rider was lost.
For want of a rider the message was lost.
For want of a message the battle was lost.
For want of a battle the kingdom was lost.
And all for the want of a horseshoe nail.

 

In older English, the word “want” could mean “for lack of.” Viewing the above proverbial wisdom through that lens is understood as follows, according to Wikipedia. The Masthead will further unpack this for those professionals and aficionados who are keen on our segment of the factory-built housing industry after the Wiki quotes.

The proverb has come down in many variations over the centuries. It describes a situation in which a failure to anticipate or correct some initially small dysfunction leads by successively more critical stages to an egregious outcome. The rhyme’s implied small difference in initial conditions is the lack of a spare horseshoe nail, relative to a condition of its availability.[1] At a more literal level, it expresses the importance of military logistics in warfare.

Such chains of causality are perceived only in hindsight. No one ever lamented, upon seeing his unshod horse, that the kingdom would eventually fall because of it.[1]

Related sayings are “A stitch, in time, saves nine” and “An ounce of prevention is worth a pound of cure“. A somewhat similar idea is referred to in the metaphor known as the camel’s nose.” said Wikipedia.

 

 

For Lack of a Nail, Manufactured Home Independents Were Lost

Manufactured housing has lost many a message. That is proven by the troubling instances like the bullet’s below will note

 

  • The Bryan City Council, which is just one of a growing number of cities, towns, or counties that have taken steps to limit or ban manufactured homes.
  • HBO’s viral This Week Last Night with John Oliver video on “Mobile Homes.”
  • Declining shipments of manufactured homes during an affordable housing crisis. Unbelievable, given that the Urban Institute and others have cited the improved quality of manufactured homes, but facts are what they are.

Each of those bullet’s reflect this vexing point. The powers that be either can’t or won’t stop/and or address these trends.  That much ought to be obvious, and while debatable, those who would opt to defend the Omaha-Knoxville-Arlington axis’ perspective on the controversy would easily lose.  The 3 bullets above are just recent examples of why.  Others examples are found in the related reports, further below the bylines, offers, and notices.

So that means, alternative approaches – not including the current methods being used – must be developed.

 

Parallel Paths

The independents and investors in our industry must not place every bet on one thing. There is an array of possible alternative strategies that have proven useful and must be adapted to or applied to this industry’s circumstances.

One point is simple. Make officials of the federal government do their jobs.

The Department of Housing and Urban Development (HUD) has primary jurisdiction under current federal law over manufactured housing. Under the Manufactured Housing Improvement Act of 2000, there is enhanced federal preemption for manufactured homes. HUD is the enforcement agency for that aspect of the law.

Some are talking about suing the City of Bryan, TX. The Masthead favors that option, on several different grounds, that could represent the interests (and thus separate causes of action) for individual groups.

But the Masthead also favor’s pressing the Feds into doing their jobs. One need not look beyond the border battle to realize that manufactured housing isn’t alone when it comes to the notion of enforcing existing laws.  The border issues has festered for decades, under Democratic and Republican administrations. The same can be said about the proper implementation of the Manufactured Housing Improvement Act of 2000.

 

“Time to Enforce the Law on Federal Preemption”

 

It was 2017 when the Manufactured Housing Association for Regulatory Reform wrote the report linked via the text image box above. It is time to enforce the law on preemption. The linked report below reflects MHARR’s most recent step, in calling on HUD to do a formal study of the issue noted.

 

HUD Study, Analysis of Zoning Discrimination Against Manufactured Housing Sought

 

 

The first step with HUD – or anyone else – ought to be the direct ask to HUD.  But other steps can be included.

  • Elected congressional representatives and Senators can be asked to intervene.
  • But also there is the Writ of Mandamus.

The Manufactured Housing Institute (MHI) knows about this option, because their general counsel, Rick Robinson, wrote a book the included that as the title and a subplot. Rephrased, MHI knows they could fight this in several levels, but for whatever reason(s) one cares to float, they have obviously not chosen to do so.

We have a source on the ground in Bryan, TX that told MHProNews that “To answer your question without commentary, no one employed by MHI was present.”

Meanwhile, manufactured home industry consolidation continues. It is the larger MHI members who are most often the beneficiaries of that consolidation. Coincidence?  Is that a hidden benefit or motivation for those big boys who dominate the association to allow such headwinds – for now – so that they can further consolidate the industry? Later, once they’ve consolidated all that they think they can, will the powers that be magically dust off issues like enhanced preemption, and put them to work for their own enhanced profits?

Don’t forget the investigators question. Cui Bono? Who benefits? Who has the motivation to do – or not to do – x?

We think satirically of MHI as Buffett’s and the Big Boys Buffet.  MHI is short for the Machiavellian Housing Institute. Day by day, they build the case against themselves, don’t they?

Meanwhile, the Buffett Moat and that of his de facto allies purportedly grows as an outcome of alleged market manipulation and association malfeasance. Or as one executive with long ties to MHI told MHProNews this past week, it is “association malpractice.” That source alleged to MHProNews that MHI had some 4 million dollars in reserves.  Why aren’t they using some of those reserves to fight issues like the John Oliver viral video, or zoning issues, like Bryan, TX?

As one more example of purported “association malpractice.”  Why is it that MHI creates supposedly useful research and hides it behind a login?  Why does MHAction seem able to get more bad headlines than MHI can stir up good headlines?  Why doesn’t MHI and do what MHAction and other who have created useful research have done? Namely, take that information, and beat the drums to make it know widely throughout the land?

Are they incompetent in Arlington? Or rather are cagily in pursuit of consolidation? Doesn’t either one leave us where the industry is right now? Let those queries hang and sink in, as we turn back to the main point.

 

The Writ – and Order

A Writ of Mandamus. Ask HUD politely, but if they don’t respond, then Make the Feds do their jobs via a writ of mandamus. Arguably, less costly than many others suits might be. That must be one of the parallels paths.

WritOfMandamusJudicialOrderRemedyDoSpecificActObligedToDoByLawMastheadMHProNews

For want of a nail, the shoe was lost.  Let’s not lose the nail that causes more manufactured home independents and prospective home owners to lose their part of the American Dream.

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

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

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

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

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Related References:

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New Manufactured Home Production, Shipment Data-February 2019

MHI’s Growth Agenda? Rick Robinson, JD, SVP Manufactured Housing Institute, Preemption Evidence, Writ of Mandamus, and Addressing HUD Code Manufactured Home Shipment Woes

“Billion Dollar Empire Made From Mobile Homes,” What Washington Post’s Peter Whoriskey Didn’t Report

Money, Minorities, Manufactured Homes – Foiling the American Dream of Affordable Housing

 

Good News With Harmful Twist, Anti-Community Owners MHAction Activist Grabs Headlines

Frank Rolfe, MHU/RV Horizons Protest by MHAction; Nathan Smith/SSK/MHI Flashbacks?

Manufactured Home Owners – Satisfaction Survey Redux

 

 

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

 

“No Other Options” – Frank Rolfe’s Pad, MH “Parks” Tug-of-War, Good, Bad or Meh for Manufactured Home Communities, MH Industry?

Manufactured Home Resident Group President Cautions Against MHAction, Surprising Background Reveal to Manufactured Housing Action

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

 

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

Independent Businesses, Affordable Manufactured Housing, Open Markets, & Robust MH Sales Growth

 

 

 

 

 

 

 

 

 

 

 

 

 

Affordable Housing – Fleetwood, Champion, Clayton – Genius of the Christmas Story

December 22nd, 2018 No comments

AffordableHousingFleetwoodChampionClaytonGeniusChristmasStoryMastheadManufacturedHomeMHProNews

Depending on who’s estimate we accept, there’s some 550,000 to 660,000 homeless in the richest nation on earth, the U.S.A. As rents rise, so does homelessness, says Zillow’s research, which supplied the higher homeless count. With some $22 trillion dollars spent on “Great Society” programs as of a 2014 Heritage Foundation report, one must ask – how much waste, fraud, corruption, and ineffectiveness is there at the federal level alone?

 

The U.S. homeownership rate doesn’t place us in the top 40 nations on earth, how is that possible?

And it’s almost Christmas.

The genius of the Christmas story is so vast that it can’t be fully grasped in any one article, or book. It can be viewed in a variety of accurate ways. Suffice for now to note that Mary and Joseph were home-owners, not per se ‘homeless.’ Rather, they were traveling when the couple finally found shelter in a stable.

What sparked their journey, so late in Mary’s pregnancy? Because the Roman Emperor Caesar had mandated a census count for tax and other purposes. They had to travel to Bethlehem, because it was mandated by imperial decree – their law.

The carpenter and his family experienced what it was like to be homeless. For what Christians call the “Holy Family,” that stable they sheltered in for the Christ child’s birth may have been in a cave.  For thousands in towns like Los Angeles or San Francisco, it may be tents, a cardboard box, dumpster, or a sleeping bag. The ‘luckier’ homeless in the U.S. are living in vehicles, not designed for residential purposes.

Why is it so in the U.S., two thousand years after the birth of Jesus?

There are many causes, of course. Here on MHProNews we track, research, follow-the-money, and report our findings daily on certain aspects of news and view that routinely relate to the broader issue of affordable homes and public policies.

The Holy Family weren’t Democrats, Republicans, Libertarians, Green, Socialists, Communists, or any other political or special interest group – which isn’t a slur on any of the member of those groups, just a statement of fact.  But with so many who claim to be Christians, it’s no wonder each of those political groups’ leadership periodically gloms onto the moving Christmas tale, spinning or weaponizing what occurred for their own purposes.

Rather, the Jewish Joseph and Mary were faithful, non-partisan, working-class people.

For thousands of years, there’s been dictators like Caesar, or shrewd (unethical) business people who’ve rigged their scales to give less than what a buyer bargained for.

Before there was Clayton Homes in contemporary manufactured housing, there was what we should clearly state is the OLD Fleetwood Homes and PREVIOUS Champion Homes that were affordable manufactured home builders. The old Fleetwood and Champion of the 1990s were in a race to buy up chunks of the industry in their day.  The two firms often paid hefty premiums for retail locations, hoping thereby to increase their market shares, also thereby narrowing the distribution networks of competitors products.

As Warren Buffett observed in an annual letter to Berkshire Hathaway shareholders that in 1998 Fleetwood, Champion, and Oakwood – then the Big Three of manufactured housing – has some 44% of the market. According to data from the now defunct Manufactured Home Merchandiser Magazine, the top three that year – Champion, Fleetwood, and Oakwood – produced 172,723 of the 372,843 total HUD Code manufactured homes shipped that year, or 46.3 percent of the total.

By 2017, it was Berkshire owned Clayton Homes that had some 50 percent market share, although they claim in their annual report that it was ‘only’ 47.7%. Unlike the old Champion and prior Fleetwood, Buffett’s brand Clayton Homes didn’t overpay for retail outlets, factories, or anything else.  Rather, Berkshire’s subsidiaries bought locations, loans, and businesses at a discount – a ‘value’ – as investors understandably call it.

There are numerous questions that should arise from this outline.  For example, two decades ago – when it was Champion and Fleetwood that dominated the Manufactured Housing Institute (MHI) – how different was it from how the Berkshire brands in manufactured housing dominate MHI today?

Community owners didn’t feel well represented in the old MHI.  So, they forged the National Communities Council (NCC) side of MHI. There are MHI/NCC members – some from the large companies – that tell MHProNews that they still don’t feel well represented. Is it a surprise that a new national MH Communities association is coming to birth?

Among resident groups, there are squabbles and contests too. GSMOL, for example, wags a finger at MHAction, saying the later are taking credit for things that the GSMOL accomplished. On the professional side of MHVille, the independent producers’ Manufactured Housing Association for Regulatory Reform (MHARR) similarly asserts that MHI often takes credit for things that MHARR or others accomplished. Interesting, isn’t it?

Meanwhile, there are thousands of professionals – and millions of residents – all trying to earn an honest living. Their struggle is often more about battling systems that are often arguably “rigged” by the “big boys” against the smaller businesses and the masses of workers and retirees whom they seek to serve.

Then, millions more trapped in rentals that one protest leader said was “too damn high.”

But negative media like the problematic Netflix series the “Trailer Park Boys” fuels stereotypes that cause many to never consider what the GAO, NAR, Fannie Mae, Ford Foundation, HUD, and other third-party researchers called the most affordable, permanent, and safe – yes safe – new homes in America.

Inaccurate stereotypes, the propagation of misleading information, stigmas, and corrupted, rigged systems all are contributing factors to the tragedy of over a half-million homeless and relatively low rates of home ownership in the U.S.A. today.

Scales, information, and systems are usually rigged in order to cheat the many to benefit a few. It was so thousands of years ago, and it is similar so today.

But angels reportedly sang at the birth of the child Jesus whose birth into a sinful and corrupted world we celebrate on Christmas.  Wise men came from afar bearing gifts to curiously see first-hand what that star over Bethlehem was all about.

We are wise when we ponder the deeper meanings of the Christmas story too.

As we bring or open our gifts for each other, let’s remember that a greedy and power hungry few are working to manipulate scales, information, and the masses, for their own benefit. That’s arguably why there’s still so much poverty, and why millions in America are trapped in Mr. Potter’s rentals, and don’t own a home.

 

Affordable Homes, Warren Buffett as Mr. Potter in Christmas Classic, “It’s a Wonderful Life”

 

May the inspiration of Mary, Joseph, and Jesus enlighten our minds, hearts, and hands to do whatever is just and good. Because the honest actions of the few – then and now – can uplift the many, inspire the wise, and bring out the good in others.  The honest truth always what sparks change for-the-better in our world.

Merry Christmas to all. ## (“We Provide, You Decide.” © ## – (News, Masthead commentary, and analysis.)

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

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Related References:

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

Where I Come From

 

Understanding the News as Business, and Manufactured Housing

 

It’s Your Profession – Investment of Time, Talent, Treasure – So What’s Next?

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

 

 

 

Prosperity Now, Protests, Indivisible Project, Warren Buffett, George Soros, POTUS Donald Trump, MHAction and Manufactured Housing – Following the Money

November 9th, 2018 No comments

IndivisbleLogoProsperityNowLogoMHActionLogoGeorgeSorosWarrenBuffettDonaldJTrumpMHProNews

Prosperity Now. MHAction. Indivisible Project. Billionaires George Soros and Warren Buffett. Each of those are all interconnected. Each of those are involved in protests against manufactured home businesses, President Donald J. Trump, and his supporters.

 

Who says?

Let’s follow the facts, evidence, and the money trail.

1)    The billionaire George Soros funded “…Open Society funds are only a small percentage of Tides‘ total…” budget, says the Tide Foundation’s own website.  It’s in a post by Tides on their own website entitled “Why does the right hate Soros?

Rephrased, the self-proclaimed progressive Tides Foundation admits the connection between Soros, the Open Society and George Soros.

2)    As MHProNews and MHLivingNews have previously reported, the Tides Foundation also has major funding via other foundations by Warren Buffett.

Buffett, as focused manufactured home industry pros and observers know, is Chairman of Berkshire Hathaway, which owns giant Clayton Homes, Vanderbilt Mortgage and Finance, 21st Mortgage, Shaw Carpeting, and other firms that are in or supply housing and factory-builders. Berkshire is widely seen as the dominating force behind the Manufactured Housing Institute (MHI). Thousands of industry professionals were no doubt surprised that Buffett’s money flowed through Tides to anti-manufactured home community protesters, MHAction.

Manufactured Home Resident Group President Cautions Against MHAction, Surprising Background Reveal to Manufactured Housing Action

 

ICYMI, or want to refresh your mind, see two of those reports documenting ties between Tides, Buffett and MHAction, see the above and below.

 

Expose! Why Has Warren Buffett/BH Funded Anti-MHC Activists, MHAction? Why Fund Attacks on ELS, Frank Rolfe, Blackstone Group?

 

  1. Thanks to Tim Williams, 21st Mortgage Corp, There’s More…

We believe in giving credit where it is due, whenever possible.

Tim Williams, the prior MHI Chairman, and the 21st Mortgage Corp president and CEO, mentioned something a couple of years ago in a conversation with me that will connect to this picture.  We’ll spotlight that tie-in to this follow-the-facts, evidence and money report in the days ahead.

But my hunch is that when he reads this – and our sources say that he will – Tim just may recall what we’re teasing as the next shoe to drop for the MH Berkshire brands, MHI, et al.

Tim, thanks again.  In hindsight, that was a very insightful conversation.  Thank God for the gift of memory, right?

While some can’t be roused by anything, for others that report will be an earthquake for many in MHVille. We hope to have it in time for Thanksgiving. If you aren’t yet on our email list, you can sign up at the link shown on the banner.

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Moving on now to the balance of the headline topic.

 

  1. Influence Watch, and The Indivisible Project, Soros and Buffett

Influence Watch is one of several organizations that track the often befuddling trail between various non-profits, foundations, and deep pockets like billionaires Buffett and Soros. Here’s what their research reveals.

The Indivisible Project (or Indivisible) is a left-of-center 501(c)(4) tax-exempt organization headquartered in Washington, D.C., and created in late 2016 as a response to the election of President Donald Trump. The Indivisible Project was established to provide liberals a practical guide about “Resisting the Trump Agenda.” [1] Despite connections to elite donors, Indivisible claims to be a grassroots movement. The organization was founded by two left-wing activists with congressional experience and ties to the left-of-center economic policy advocacy group Prosperity Now.[2] According to a spokesperson within the organization, Indivisible’s goal for 2018 is to replace all elected officials who don’t reflect their views with “diverse, progressive, local leaders.”[3] [4] Indivisible claims to represent over 5,800 groups and has a website that has been viewed over 18 million times.[5]

I can almost hear the sweat rolling off a few foreheads in Knoxville, Arlington, and Washington, D.C. based Prosperity Now. Some industry friends and colleagues of mine should also take notice of this too, because they know where these dot-connections are leading.

Here’s what they say about funding.

 

  1. Indivisible Financial Overview

Indivisible has published the nonprofit’s revenue from both its 501(c)(3) Indivisible Civics, and 501(c)(4) Indivisible Project for 2017.[9] In 2017, Indivisible raised “a total of $7.5 million,” with “$2.8 million” through the 501(c)(3) and “$4.7 million” through the 501(c)(4). Over the course of 2017, Indivisible was fiscally sponsored by the Tides Foundation and the Advocacy Fund (a Tides affiliate) until it “was granted 501(c)(4) status from the IRS” during the tax year.[10]

Of Indivisible’s 2017 revenue, 35 percent was raised through small dollar donations, and 65 percent was received through major gifts and foundation grants. [11] Of the $7.5 million raised, $3.4 million was spent on organization expenses,” according to Influence Watch.

 

  1. Founders of Indivisible

Established by left-wing activists Ezra Levin and Leah Greenberg in December 2016, Indivisible was originally organized as a movement along the lines of the conservative Tea Party opposition to President Barack Obama’s administration. [6] To that end, Levin and Greenberg’s first project was a 26-page political organizing manual entitled “A Practical Guide for Resisting the Trump Agenda. The manual highlighted the best methods to “beat back” President Trump and defeat the new conservative majority in Congress.[7]Since that original document was distributed, the movement has evolved into an effort to disrupt civil discourse and “sustain a powerful progressive movement.”[8]

Keep in mind that Prosperity Now is pro-manufactured housing, progressive operation, but is also favorable to issues like rent-control and has taken other problematic positions.  Prosperity Now used to be known as CFED. More on them in the days ahead.

 

  1. What Kevin Clayton said…

Now, with the above in mind, you see:

  • Non-profits
  • Foundations
  • Deep-pocket billionaires, including George Soros and Kevin Clayton’s boss, Warren Buffett.

 

With the above in mind, circle back to that video of Kevin Clayton in Smoking Gun 3.  Recall how Kevin was virtually gushing in that video about Clayton working with foundations and nonprofits?

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

 

Is the bigger picture coming into focus?

 

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

Now, keep in mind that companies associated with MHI, including but not limited to, Clayton and Cavco, are under various kinds of federal investigations.

 

Cavco Chairman Joseph H. Stegmayer Steps Down Under SEC Cloud, “Personal, Confidential” SEC Document, Cavco Industries’ Statement

 

News of Cavco’s SEC woes just broke this week.  But MHProNews has been reporting for some years about Clayton-Berkshire related federal investigations. Certainly, people are innocent in the eyes of the law until proven guilty.  That said, when there is smoke, is there a fire?

 

Much, Not All

The manufactured housing industry has been gamed by a rigged system for years.  Our industry once had hundreds of manufacturers, and literally tens of thousands of independent retailers. Some of those vanished due to natural events.  But others have arguably fallen due to unjust manipulation of regulatory, capital, political and other forces.

It is now becoming clear that protesters are just part of a broader plan. We’re political independents, and we strongly assert that most of the Democrats or MHI members that we personally know are fine people.  But they have often been mislead into believing certain things harmful to their interests.  A decade ago, the same could be said about swaths of the GOP too.

President of the United States (POTUS) Donald J. Trump is disrupting the rigged system.  That’s why elites in both major parties opposed him tooth and nail.  He is arguably taking the Republican Party, and turning it into a small-to-midsized business, white and blue collar workers party. He’s taken elements from both major parties, and is blending it into something new.

That’s a threat to everything that billionaires who control the Democratic party stand for, because the rigged system has purportedly made them billions of dollars. That’s why the invest so heavily in it.

We’re all for bipartisanship, and working with people of all backgrounds. But that starts with facts and evidence. If you or anyone you know can find any factual errors in the above, by all means, let us know.

 

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For feedback or to report a news tip, click the image above or send an email to iReportMHNewsTips@mhmsm.com – To help us spot your message in our volume of email, please put the words NEWS TIP in the subject line.

Or if you have your own tips and stories to share, you can contact us via the link above, or my contact information below.  See the related reports, with one more to be posted late today, further below. That’s “Industry News, Tips and Views Pros Can Use,” © where “We Provide, You Decide.” © ## (News, Commentary, analysis. – Notice, the right to share this unedited, with a link back and proper credit, is hereby granted).

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

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

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

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Related References:

Divisions in America, and Manufactured Housing – Reality Check 1 – 11.9.2018

 

#DeFangBM

 

 

Life, Liberty, Property – Supreme Court – and Manufactured Housing

June 28th, 2018 No comments

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1776 to 2018 and beyond. The issues of Life, Liberty and Property were as important when Thomas Jefferson drafted the Declaration of Independence as they are today, or will be tomorrow. And it very much matters to our industry, investors, and related professions.

 

When Sam Zell said they discovered that at Equity LifeStyle Properties (ELS) that they had partners they didn’t expect, he was alluding to the forces of government, often driven by voters.

When you boil down what’s happened – and is happening – in our factory crafted home industry, outside forces impact your ability: 

   to invest,

  where you can place a home,

  what the image of our MH products and communities are,

and so on.

Furthermore, forces within our industry can and arguably have gamed or rigged the system in ways that unduly favors the large vs. the small. That in turn can disrupt the economy, politics, and jobs in a variety of ways.

Into this milieu is the not-entirely-surprising announcement of Justice Anthony “Tony” Kennedy’s retirement from the Supreme Court of the United States (SCOTUS). That retirement has arguably just supercharged the upcoming 2018 midterms.

Salena Zito Tweet Wakeup on Recent High Court Rulings, Touts the “Great Revolt,” SCOTUS Kennedy Shakeup

From issues regarding monopoly, to private property rights, and more, manufactured housing is likely to be in front of the high court in the next 24-48 months. So the replacement of retiring Justice Tony Kennedy ought to loom large in MHVille.

But it’s also huge on hot-button issues like abortion. The political left is gearing up for that fight as we write. The right-to-life forces will too.

 

Having witnessed the appointment of Neil Gorsuch to the Supreme Court of the United States (SCOTUS), and watching President Donald J. Trump and Vice President Mike Pence repeat the themes of “promises made, promises kept,” and “we will enforce the law” – like it or not – there are numerous reasons to believe those claims.

That means supporters and detractors alike are going to gear up for the midterms. No hype, but this may become the most consequential midterm elections in our lifetime.

In North Dakota last night, the President of the United States (POTUS) Donald Trump laid out his case for taking Heidi Hiedcamp’s Democratically held seat, and turning it over to a member of the GOP. He and VP Mike Pence will likely repeat this in battleground states from sea to shining sea, between now and Election Day in November. 

 

 

Life, Liberty and Property

Life, Liberty and Property” were the core rights to be protected, in the initial draft of the Declaration. In the revision to the Declaration of Independence, which was signed on July 4,1776, Thomas Jefferson changed “Property” to read “the Pursuit of Happiness.” Both versions are timeless in their meaning. 

A millennial and self-proclaimed socialist – Alexandria Ocasio-Cortez wins in New York –Tuesday over 10-term incumbent Rep. Joe Crowley in New York’s 14th congressional district.  Crowley was the number two House Democrat, a stunning primary upset.

 

MHProNews has been reporting for over a year the growing trend of openly socialist Democrats running for office, and how millennials are closely divided on the topic of free enterprise (“capitalism” is the normal phrase used in public opinion polling) and socialism.

“Political Necrophilia,” Tragedy in SloMo, Southern Economic Political Lessons for Looming U.S. Midterms

A nation divided must learn how to engage the other side on thorny issues without threats of intimidation or violence.  

A nation in need of affordable housing must be engaged by manufactured home professionals in ways that make sense to clear majorities.

These are challenging, but exciting times.

 

The View from MHVille…

It’s gratifying to first hear and later read from industry professionals, “Tony, if MHProNews is writing about it, I want to know about it.” We’ve made several tactical adjustments over the years, and did again last year by moving into a transparent statement that every Daily Business News item is a mix of reporting, analysis, and commentary.

We have an editorial viewpoint, informed and shaped by experiences influenced by professional readers who call, message, and write. We are mindful that voices and policy makers inside and outside of our industry are on our pages daily by the thousands. The CFPB formally cited MHLivingNews as a source. The Congressional record includes a document that first appeared on MHProNews. Popular Value Penguin published an op-ed that includes both of our pro-industry publications.  

What happens in MH trade publishing here matters.

Every day in the evening market report, we do what no one else in the history of the industry’s trade media has ever done. We share headline bullets from CNN, and headline bullets from Fox Business.  We’ve done that for years. That’s fair and balanced.  An example is linked below.

Warren Buffett Strikes Deal with Lee to Manage Berkshire Units, plus MH Market Updates

Those who scan those left-right headlines in our market report every evening get more news in 2 minutes than watching an hour of news at night on TV or your device.  We save time, and yield more insights.  

Those who check the evening market report data each business day are miles ahead of their peers who don’t do the same. Those who read our featured topic for the day get insights on issues that move America, and thus will move the markets, or impact business and investments.

 

The Dow to 30,000?

Barring a catastrophic event, the Dow could hit 29,000 to 30,000 by 2020. Yes, even with all of the trade war talk, that’s a realistic outcome.  You read it here first. Why? Read the evening market report every night for a month, and you’ll see why we believe that’s coming. 

The president draws each of his rally events to a close with a call for unity of the nation. He cites the reasons during his talks why blacks, Hispanics, women, workers, investors, and others should support his efforts. He does counter-punch, but he also puts out olive branches. He is controversial, but just accept it and watch. His opponents claim he is petty and vindictive. Really? Ask Nikki Hailey, Marco Rubio, or Mitt Romney – who opposed him. Yet, he’s called on them, and supported them.

POTUS Trump is arguably among the most accomplished people to ever occupy the White House. He’s lancing numerous festering boils, as my better half might say, using a medical analogy. It will be ugly, until it is over.

Life, Liberty and Property – the Pursuit of Happiness. Can the Republic find healing after what will be a bruising midterm? Let’s close with an excerpt from Psalm 79.

Psalm 79

R/ (9) For the glory of your name, O Lord, deliver us.

 

Remember not against us the iniquities of the past;

may your compassion quickly come to us,

for we are brought very low. R/

 

Help us, O God our Savior,

because of the glory of your name;

Deliver us and pardon our sins

for your name’s sake. R/ ## (News, analysis and commentary.)

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Related Reports:

‘Tip of Iceberg’ – Rick Rand; Marty Lavin, Communities have ‘No Confidence’ in Manufactured Housing Institute, New National Trade Group Announced

 

Only 3 Options – the Elephant in the Room

 

NorthStar and Manufactured Housing Radix

To provide a News Tips and/or Commentary, click this link. Please note if comments are on-or-off the record, thank you.

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Publisher and industry consultant, L. A. “Tony” Kovach.

By 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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Facebook, Manufactured Housing, and American Drama

June 12th, 2018 No comments
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What do you see?

Facebook has a neat feature that reminds you of some post from the past. This morning, that Facebook feature reminded me of a post about MHVille that was from two years ago.

 

We’ve begun to use the phrase – “wheat and chaff” – more often to describe the point that people and sources of information must be discerned. Keep the good, toss what’s not useful or is incorrect.

It’s hardly a new thought. Wheat and chaff are an ancient piece of Biblical wisdom.

When we put together the story early this morning about the outcome of the presidential summit, it was the result of hours of input from a variety of sources. It is an example of wheat and chaff in action.

Perhaps 10 (+/-) sources were checked, before we drilled down what we thought was the meaty items for industry pros and investors to know.

Then, we provided the context of what it matters to manufactured housing. “That news through the lens of factory-built housing,” ©; one of our tag lines that describes what MHProNews uniquely does for the manufactured and modular home industry professionals and investors. 

It’s about American drama at its finest. Check out that report, linked below, compare it to anything else that might be used for an MH Industry pro, and please tell us what you think. 

 

Facebook, Wheat and Chaff 

I recall how Triad Financial President Don Glisson, Jr. gave us a backhanded compliment that we treasure. He said he thought we were crazy when we launched what we call today, MHProNews.  The launch was in mid-October 2009, and was near the industry’s lowest point ever in new home shipments.

Now, approaching a decade later, we as an industry are clearly not heading to extinction, as some then believed could happen.

When asked by the Midwest Manufactured Housing Federation (MMHF) to help bring back the Louisville Snow, we jumped in with both feet. The pay was very modest, considering all that had to be done.  But we did it, and the show was a success, the first one in years. 

Tim Williams from Ohio’s association was one of several who praised our work in writing.

TimWilliamsOhioManufacturedHomesAssocExecDirectorRecommendationTonyKovachMHProNewsLouisvilleManufacturedHousingShowPromotion

One of over 1000 endorsements and recommendations, most were given without being requested. We thank each sender for that honor.  

Facebook has wheat and chaff. Pretty much everything and everyone does, starting right here.

We are pro-free enterprise. We cheer all honest and ethical forms of success. We stress honesty, and ethics, because some professions are built on the suffering of others.  From illicit drug pushers, to pimps, pornographers, thieves, racketeering, coyotes, and so on, there are illicit businesses that generate tens of billions annually.  We don’t cheer those at all.  

But if we are fair and objective, even the darkest parts of human nature reveal truths worth learning.

We must learn to separate the wheat from the chaff. 

 

Breaking Up

Count us among those who hope and pray that the Feds break up Facebook, Google, Amazon, and other monopolistic U.S. giants. Think back, if you are old enough, to the breakup of the telecoms. AT&T was charged under antitrust laws. 

Based on Judge Harold Green’s Modified Final Judgement of 1982, AT&T on January 1 1984 became a long-distance company, while seven regional Bell Operating Companies (RBOCs) took control of the nation’s local phone networks,” says the American Enterprise Institute (AEI).

 

Some say that the monopoly over the phone business delayed the development of cell phone technologies by a decade.

It is just one of several reasons why corporate giants must be held in check and/or broken up.

To me, it isn’t just about price, which is an arguably flawed standard that antitrust regulators often use.  How many businesses has Walmart and Amazon wiped out? How many jobs has that cost the nation? Would we have seen the shift to buying so much product from China, had Walmart not become so big?  

They too should be broken up under antitrust law.  As NY Stern Professor Scott Galloway has argued, it is how you bring oxygen back into the marketplace for startups and investors.  That’s were jobs are created, instead of destroyed.

England, we’ve read, has a supposed standard of 25 percent market-share as the threshold for anti-monopoly (anti-trust) action. That might be still be a bit too high. Once a firm hits 20 percent of a given market, there are inevitable impacts on consumers, businesses, innovation, the economy, politics, etc.  

Wheat and chaff. We must learn from whatever is good, and toss out whatever isn’t. The prism of the Ten Commandments – which clearly respects private property – ought to be the standard, timeless measure of behavior. 

What Facebook reminded me of this morning is that it has been about two years since I got a tip from a then-fellow Manufactured Housing Institute (MHI) member. That member pointed me to a CSPAN video about Richard Cordray and Senator Joe Donnelly. When I watched it, I got what that other MHI member as telling me.  

MHI had distorted the exchange, saying only what was good for their narrative, while ignoring what was problematic for their stated agenda.  

It seemed deliberately deceptive. It came from MHI VP Lesli Gooch, but our sources then said that MHI President Richard “Dick” Jennison had to okay it.  

It’s was at best a half-truth, designed to mislead members. As a member myself, I was outraged. We can call these things allegations, because that is what the legal guys say it should be termed. But if you look at the CSPAN video we watched, and then look at what MHI then said… 

Logically, if top MHI staff would deceive members about that, what else have or would they attempt to trick their own dues paying members about?  

They had to be held accountable. I called publicly For Jennison’s dismissal along with that of Lesli Gooch. 

It wasn’t the first or the last news tip. 

Please, we’d rather get a news tip 4 times, than not at all. Don’t presume we have something. We know the generalities, but not always the specifics. Help us, help you help the industry get the most accurate reports by sending association emails, documents, and your own insights. Our default is that we treat comments as off the record, unless you and we specifically agree to make it on the record. 

One step at a time, we’ve seen how MHI has weaponized reports. It was tricky, because no one else in the industry had directly named names and cited examples of what was happening, and who was authorizing it, the way we did. 

That incident from 2 years ago led to a series of events and reports that has arguably contributed to what has brought us to the point we are in reporting in MHVille today.  

Today, we can look back and see MHI, and their debatably Berkshire Hathaway puppet masters as they are. We give them a routine opportunities to comment before, during or after a Daily Business News story. We accurately quote from their own documents. We’ve offered to discuss or debate publicly via video, so all the industry can see. 

They duck, dodge, detract, distract, and defame in response, don’t they? Doesn’t all of that speak volumes?  If the truth was on their side, why don’t they just clear the air? 

It’s been about 1 1/3 years since they have directly responded publicly. We suspended our industry famous Cup of Coffee series for a time, because it was too politically charged for many. We plan to bring that feature back, because more of the industry’s members are beginning to see — that what we’ve been reporting sadly makes sense. 

It’s time to use antitrust laws to break up Berkshire Hathaway, not just Clayton Homes and their lending, retail, and others unit arms. 

MHI must be investigated and/or perhaps sued.  They’ve arguably misrepresented to the industry what they are and what they do. 

MHI award winner Marty Lavin is sadly correct. MHI works only for the interests of “the big boys.” They work for the smaller companies only if their interests align with that of the big boys.

‘Tip of Iceberg’ – Rick Rand; Marty Lavin, Communities have ‘No Confidence’ in Manufactured Housing Institute, New National Trade Group Announced

The rationale and evidence seems to be that smaller companies are there as a meal for the big boys that want to gobble up smaller firms for a cheap price.

The smaller firms are there to also help pay for what the big boys want. Paraphrasing what another member said, ‘the big companies figured out how to use MHI to help get the smaller companies to pay for what the big companies want.’

Manipulation is often an ugly thing. 

No one wants to believe that they were conned.  It’s not fun to have to report about such problems, but it must be done, for the sake of all those who are debatably being victimized.

George Allen Blasts MHI, NCC Ignoring Own, Spencer Roane, SECO, COBA7, Tom Lackey Controversies

These are serious allegations. but there’s also serious evidence. There are several federal investigations already underway, because where there is smoke, there is often fire.

 

For manufactured housing industry professional and investors to thrive and achieve their full potential, the industry must recognize reality.

Then, each company must decide how best to deal with reality. It’s an American drama that you and hundreds of thousands of others are caught up in, like it or not. More on that drama and its solutions in the days ahead. ## (News, analysis and commentary.)

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Related Reports:

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

NorthStar and Manufactured Housing Radix

To provide a News Tips and/or Commentary, click this link. Please note if comments are on-or-off the record, thank you.

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Publisher and industry consultant, L. A. “Tony” Kovach.

By 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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