Author Archive

Sales Professionals, Management, Research Tips on Making the Sale

September 14th, 2017 Comments off

Featured image credit, YouYube.

When communicating with prospects and buyers, you want to make them feel something, and then make them act on those emotions. This is key to success in sales,” per Sales Force Search.

Making sales in any industry is a combination of art and science. Knowing the right thing to say, and how to say it, can make or break almost any sale. Understanding emotions can increase the chances of closing a deal, or not.

Recently, researchers at the University of California, Berkeley did a study which found that humans have at least 27 distinct emotional states. Previously there had only been believed to be six in total.

Researchers came to this conclusion through a sample of 853 men and women, who watched short five-to-ten second video clips meant to evoke a number of different reactions.

Their responses reflected a rich and nuanced array of emotional states, ranging from nostalgia to feeling ‘grossed out,’” says lead author Alan Cowen, a doctoral student in neuroscience, in a university news release.

The study incorporated 2,200 silent clips, and separated participants into three groups. The first group was to disclose their unfiltered emotional reactions to the 30 clips they viewed.


Image credit, University of California.

The second group ranked each video in terms of emotional reactions ranging from anger to sexual desire. Most participants gave each clip the same marks as one another.

The third and final group of participants was to evaluate the emotional content of a given video based on a sliding scale of negative to positive, or boring to exciting.


Image credit, Shell.

There are smooth gradients of emotion between, say, awe and peacefulness, horror and sadness, and amusement and adoration,” notes senior author Dacher Keltner. “We found that 27 distinct dimensions, not six, were necessary to account for the way hundreds of people reliably reported feeling in response to each video.”

Across all three groups, participants of the study all reacted in a comparable manner to any given video. Through all this data researchers could identify at least 27 different emotional states.

Our hope is that our findings will help other scientists and engineers more precisely capture the emotional states that underlie moods, brain activity and expressive signals, leading to improved psychiatric treatments, an understanding of the brain basis of emotion and technology responsive to our emotional needs,” says Cowen.


For industry professionals attending the rapidly-approaching 5 State Convention, L. A. “Tony” Kovach will be presenting on proven methods to Dominate Your Local Market. Click the above for more details.

According to Sales Force Search, some emotions which play a big role in generating sales are trust, fear, value, belonging, competition, loss, time and pride. ## (News, research, event promotion.)

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

JuliaGranowiczManufacturedHomeLivingNewsMHProNews-comSubmitted by Julia Granowicz to the Daily Business News for MHProNews.

Tax Reform, Front and Center, as Business, Democrats and GOP Converge on Issue

September 13th, 2017 Comments off

Featured image credit, KELOLAND.

The president is committed to getting tax relief for middle-class Americans passed and is willing to work with Democrats and Republicans to do it,” White House officials said, per Fox News.

Small businesses and entrepreneurs around the United States are waiting to get more specifics on the potential tax reform that President Trump is pushing for legislature to pass.

Since early on in his campaign President Trump has been calling on Congress to pass a bill that would provide significant tax breaks for small businesses.

Groups like the National Federation of Independent Businesses believe that tax reform will significantly improve their chances at success.


Just last week the Daily Business News reported on the presidents spotlighting Senator Heitkamp in North Dakota where he stopped to give a speech on his hope for tax reform.

Ideally, he’d like to get it down to 15 percent. I don’t know if we’ll be able to achieve that given the budget issues, but we’re going to get this down to a very competitive level,” Treasury Secretary Steven Mnuchin told a conference in New York hosted by CNBC.


In order to pass a tax reform bill the Senate will need at least some Democrats to be on board. As it stands now, a group of 43 Senate Democrats and two independents have signed a letter laying out their “demands” to see bipartisan tax reform, per Reuters.

There is question as to whether or not Trumps goal of 15 percent is realistic considering the spending cuts that would have to go along with such tax breaks.

The president is prepared to push for as low of a rate as we can get. We’re going to continue to push for that and work for Congress to make sure we get the best deal possible,” White House spokeswoman Sarah Sanders said.

In what is likely an attempt to gain support from the Democrats, Trump has recently agreed to raise the debt ceiling and fund the government through December 8, 2017. Now, he has invited at least three Democrats to a dinner, likely to push for support for the upcoming tax reform bill.

Those invited to dinner with President Trump include Joe Donnelly, Heidi Heitkamp, and Joe Manchin.  Each of those Democrats are in states that President Trump won by a wide margin.


Featured image credit, WUWM.

No more platitudes. Let’s see some meat on the bone,” Senator John Kennedy said. “You don’t always get what you want. I think there’s a song that says that. But you need to get what you need and that’s where we are. And I‘m tired of screwing around. … The American people are tired of screwing around.” ## (News, analysis.)

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

JuliaGranowiczManufacturedHomeLivingNewsMHProNews-comSubmitted by Julia Granowicz to the Daily Business News for MHProNews.


How Much Bad Press Has President Trump Really Had So Far?

September 13th, 2017 Comments off

Featured image credit, Newsbusters.

Since before President Trump was elected, supporters of his believed that the press has been obsessive in their coverage of the celebrity-turned-commander-in-chief.

Now, there’s more research that backs that claim up.

After the inauguration on January 20, the media has continued to provide more coverage of Trump’s first months in office than was covered in former-President Obama’s last two years combined. Research reveals that there’s been nearly non-stop negative coverage that far outweighs the positive or neutral coverage of the last seven months.

The Media Research Center analysts have determined that there were nearly 74 hours of airtime – or 39 percent of all evening news coverage – on ABC’s World News Tonight, CBS Evening News and NBC Nightly News, per Newsbusters.


Image credit, Newsbusters.

The study used the following criteria to come up with that figure:

Methodology: Our measure of spin was designed to isolate the networks’ own slant, not the back-and-forth of partisan politics. Thus, our analysts ignored soundbites which merely showcased the traditional party line (Republicans supporting Trump, Democrats criticizing him), and instead tallied evaluative statements which imparted a clear positive or negative tone to the story, such as statements from experts presented as non-partisan, voters, or opinionated statements from the networks’ own reporters.”

Using these criteria, MRC analysts tallied 1,567 evaluative statements about the Trump administration in June, July and August, of which 1,422 (91%) were negative vs. a mere 145 (9%) which were positive. Since Trump took office on January 20, there have been 4,144 such evaluative statements, of which 3,712 (90%) were negative, vs. 432 (10%) which were positive.”


Featured image credit, Newsbusters.

Back in April, when the President gave the order to punish the Syrian regime for a chemical weapons attack, was the closest to “balanced coverage” that has been seen, with 82 percent negative and 18 percent positive news coverage.

In the early months of the Trump Administration – January to March – the rate at which White House news was being covered was 49 percent.

Over the last three months that figure has dropped considerably, currently at 32 percent. This is nearly three times as much coverage as the Obama administration received from 2015-2017, which the researchers pegged at 10 percent.

Russia, Russia…

One of four main topics related to Trump that the media focuses on is the ongoing investigation into the president and his campaigns alleged connection to Russia. During August, that topic took up 27 percent of all the Trump news coverage (415 minutes).

Several months ago, the Daily Business News posted an undercover video by Project Veritas.  It spotlighted a CNN producer who said that the Russia collusion story was “bullsh-t.”  Other research has reveals a similar trend to what this report produced.

That was followed by coverage related to the repeal and replace plan for ObamaCare, with 176 minutes, Trump and North Korea, with 136 minutes of coverage, and his response to the violent attacks in Charlottesville with 97 minutes.


Image credit, Newsbusters.

Interestingly, the topic with the least media spin regarding how Trump handled a situation is North Korea, with only 86 percent negative press. In this particular case, the study found that most of that coverage was neutral.


Full Measure’s Sharyl Attiksson’s media bias chart is useful in sorting out the agendas behind various headlines and news sources.

This study provides a look into the gap between positive and negative news coverage of the president’s time in office so far. Many of the left-of-center publications are spending far more time bashing the president than anything else – with “relentlessly hostile coverage.” ## (News, Analysis.)

Related Political/Economic Topic:

2018, 2020 Campaigns Underway, Bernie & Jane Sanders, Scandals, and Democratic Party Rebranding

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

JuliaGranowiczManufacturedHomeLivingNewsMHProNews-comSubmitted by Julia Granowicz to the Daily Business News for MHProNews.


Nobility Homes Update and MH Market Report

September 12th, 2017 Comments off

Featured image credit, CNN Money.

If you’re new, already hooked on our new spotlight feature – or are ready to get the MH professional fever – our headline reports’ are found further below, just beyond the Manufactured Housing Composite Value for today.

The evolving Daily Business News market report sets the manufactured home industry’s stocks in the broader context of the overall markets.

Part of this unique feature provides headlines – from both sides of the left-right media divide – that saves readers time, while underscoring topics that may be moving investors, which in turn move the markets.

Readers say this is also a useful quick-review tool that saves researchers time in getting a handle of the manufactured housing industry, through the lens of publicly-traded stocks connected with the manufactured home industry.

MH “Industry News, Tips and Views, Pros Can Use.” ©

Selected headlines and bullets from CNN Money:

  • Yupp, it costs $999. But you’ll pay it.
  • 10 things you need to know about iPhone X
  • Jamie Dimon calls bitcoin a ‘fraud’
  • The middle class gets another raise
  • Will retroactive tax cuts help the economy?
  • Ancestry CEO steps down, delays IPO
  • Hedge fund billionaire warns about market bubble
  • Probe finds Tesla’s Autopilot contributed to fatal crash
  • The iPhone X will have wireless charging
  • Murdoch’s $15 billion Sky deal hits a snag

Selected headlines and bullets from Fox Business:

  • Apple Event: 5 Takeaways
  • Apple’s iPhone faces increasing competition in China
  • Florida gas shortage could persist for a month after Irma
  • High-tax Connecticut abandoned by another corporation
  • Hillary Clinton should be prosecuted, there’s ample evidence of her guilt: Judge Napolitano
  • Trump is putting Republican leadership on the spot on tax reform: Varney
  • JP Morgan’s Jamie Dimon: Bitcoin ‘is a fraud’
  • Nordstrom finally chooses Leonard Green as buyout partner
  • Electric cars dominate the buzz at Frankfurt auto show
  • Alaska Airlines offers $42 tickets in a flash sale
  • Equifax hack: How much your stolen info is worth on the black market

ICYMI – for those not familiar with the “Full Measure,” ‘left-right’ media chart, please click here

Today’s markets and stocks, at the closing bell…

S&P 500 2,496.48 +8.37 (+0.34%)

Dow 30 22,118.86 +8.37 (+0.34%)

Nasdaq 6,454.28 +22.02 (+0.34)

Crude Oil 48.31 +0.08 (+0.17%)

Gold 1337.60 -4.90 (+0.37%)

Silver 17.99 +0.10 (+0.56%)

EUR/USD 1.1967 +0.0003 (+0.03%)

10-Yr Bond 1.171 +0.046 (+2.16)

Russell 2000 1,423.46 +8.6(+0.61)


Image credit, Yahoo! Finance, MHProNews.

Manufactured Housing Composite Value


Image credit, Yahoo! Finance, MHProNews.

Today’s Big Movers

For all the scores and highlights on tracked stocks today, see the Bloomberg graphic, posted below.

Today’s MH Market Spotlight Report –Nobility Homes Inc.

Interested investors have been looking for information on shares of NOBILITY HOMES INCORPORATED (OTCMKTS:NOBH) after the stock moved $-1.25, hitting the $15.75 price point in a recent trade.

It’s the latest price, but let’s analyze how the stock has been doing recently. In the past year, NOBILITY HOMES INCORPORATED’s stock was big mover. According to the short interest report published recently, (NOBH) had 100 shorted shares for 0 days to cover. The prior short interest was 100 for a $N/A change. The 52-Week High and Low are noted here. -13.46 % (High), 10.53 %, (Low). The stock had 4,300 average volume.”


Berkshire Hathaway is the parent company to Clayton Homes21st Mortgage, Vanderbilt Mortgage and other factory built housing industry suppliers.

The Clayton “Have it Made” Campaign analysis is linked here.

LCI Industries, Patrick, UFPI and LP all supply manufactured housing.

AMG, CG and TAVFX have investments in manufactured housing related businesses.

Your link to a recent round of industry praise for our coverage, is found here.

For the examples of our kudos linked above…plus well over 1,000 positive, public comments, we say – “Thank You for your vote of confidence.”

We Provide, You Decide.” © ## (News, Analysis.)

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

JuliaGranowiczManufacturedHomeLivingNewsMHProNews-comSubmitted by Julia Granowicz to the Daily Business News for MHProNews.

Best Selling Author, Speaker, Consultant Tim Connor on Power in the Wrong Hands

September 12th, 2017 Comments off

Featured image by, Kidzone Online.

Power in the hands of the wrong people over the years regardless of their wealth, race, gender or political leanings have always been and always will be dangerous,” said Tim Connor, CSP, factory built housing trainer, speaker, and bestselling author of over 80 books, including “Soft Sell – the New Art of Selling.”

Conner’s comments were exclusive to MHProNews on a recent article citing an apparent, but questioned, conflict between Warren Buffet, chairman of Berkshire Hathaway, and Tim Williams, the CEO of 21st Mortgage and Finance, and the Manufactured Housing Institute (MHI) chairman.

As industry professionals and Daily Business News readers know, 21st Mortgage and Finance is one of three leading companies in the manufactured home (MH) industry, owned by Buffett’s conglomerate, Berkshire Hathaway.

Berkshire Hathaway owns or has interests in other lending, suppliers and service providers that intersect with manufactured housing.


Tim Conner. Image credit, Professional Speakers Bureau International.

The cited conflict is between the views of Williams and Buffett.

Buffett is an avid supporter of the progressive movement. He supported former-President Barack Obama, and backed Senator Hillary Clinton during her presidential campaign.

If progressives think that their agendas are good for us all in the long run they are living in a bubble,” Connor said.

In a PowerPoint presentation Williams used provided for members at an MHI meeting, he pointed out that two of the two of the four top challenges to increasing MH sales are the “progressive ideology” and “CFPB Regulation and enforcement.”

Yet, President Barack Obama and Secretary Hillary Clinton – both of whom Buffett actively supported – are in line with “progressive ideology,” and support the Consumer Financial Protection Bureau (CFPB) and Dodd-Frank.


Many progressives and wealthy people feel that it is their right and privilege to direct the lives on us all whether politicians, business leaders or Hollywood idiots,” said Conner.


Warren Buffett, right, credit Wikipedia. Tim Williams, right, credit, LinkedIn. Collage credit, MHProNews.

The Daily Business News recently reported that big tech companies and the billionaire’s who run the companies could have far more influence – or means to influence – public opinion than many may realize.


Featured image credit, Ewoow.

So it is with most billionaires. They could care less about regulations or deregulation! They buy influence on either side of the aisle. It’s just business.” manufactured housing advocate, Rev Donald Tye, Jr. said.


Anecodtale evidence suggests that the wrong terminology impacts price. But it also impacts people’s emotions, see the poet who rejected the use of the t-word with regard to her home, by clicking the image above.

If every day common sense people let these folks take our freedoms away without a fight – well – we will deserve what we get,” Conner said. For his full commentary, click here. ## (News, Analysis.)

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

JuliaGranowiczManufacturedHomeLivingNewsMHProNews-comSubmitted by Julia Granowicz to the Daily Business News for MHProNews.





Is an Economic Crisis Looming for Seniors? Manufactured Housing Industry Impact?

September 11th, 2017 Comments off

Featured image credit, The Daily Economist.

Retirees and those 50 or over make up about half of all manufactured home (MH) buyers, per sources such as Foremost Insurance’s MH industry research.

So the security – or lack thereof – of pension funds could prove important – perhaps even critical – for the industry in markets where pension funds are at risk.

It is one of several problems the new Trump Administration will have to take on, after decades of Democratic and GOP failures to successfully address the issue.

How bad is the problem?

U.S. public pensions lack $3.85 trillion needed to pay the retirement benefits of current and retired workers, per research shared with Financial Times.


Senator Orrin Hatch. Image credit, Senator Orrin Hatch.

This [research] further underscores the financial risks of the nation’s public pension crisis and the need to act on smart policies that will help secure retirement programmes for Americans that work for state and local governments,” a spokesperson for Orrin Hatch, chairman of the US Senate finance committee, said.

Not One Fund Balanced?

According to Stanford research, out of 649 pension plans reviewed between July 2014 and June 2015, not a single U.S. city or state was running a budget that was balanced to fund existing pensions.

Joshua Rauh, the author of the study, says that the situation is more difficult for cities such as Chicago, which has unfunded pension liabilities that come out to the equivalent of 19 years-worth of the cities tax revenue.

Greater Chicago, as many land-lease community professionals know, is home to several sizable operations, as well as dozens of “mom and pop” operations.

Other cities facing similar situations include Forth Worth, New Orleans, Philadelphia, and Dallas. States like Illinois, New Jersey and Kentucky also ranked poorly in the Stanford study.  Most of these locations have a significant manufactured home community presence, some are in areas where retailer operations are important to independents and the industry.

Zero Hedge recently reported that many Kentucky residents have been retiring early in order to lock-in their pensions as legislature and Governor Matt Bevin discuss making cuts to retirement plans.


David Smith, executive director for the Kentucky Association of State Employees. Image credit, KASEKY.

There are folks that are saying you know what, I don’t care, I’m going to lock in my retirement now and get out while I can and fight it as a retiree if they go and change the retiree benefits,” said David Smith, executive director for the Kentucky Association of State Employees, per the Financial Times.

Pensions, for most government workers whether local, state or federal, are expected to support an individual through retirement.

With around half of manufactured home owners and buyers reportedly at 50 plus – retirees, and nearing retirement – this pension crisis is nothing to ignore for the industry’s professionals.

While it could prove a threat for some professionals current business model, it also could be an


L. A. “Tony’ Kovach., publisher,

opportunity in disguise for others who prepare for this,” says publisher and consultant, L. A. ‘Tony” Kovach. “Still, the ideal is for national leaders to come to grips with this issue. That will require enacting a robust pro-growth agenda, combined with prudent action to stabilize fundsOtherwise, there’s not enough money in the system today to fix this issue.”

A government with a serious pension funding problem is like a ship trying to sail with its anchor stuck in the mud.” said Ed Bachrach, chairman of the Centre for Pension Integrity, an organization that studies public pension plans. ## (News, analysis.)

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

JuliaGranowiczManufacturedHomeLivingNewsMHProNews-comSubmitted by Julia Granowicz to the Daily Business News for MHProNews.




Sunday Morning Weekly Recap Manufactured Housing Industry News, September 3 to September 10, 2017

September 10th, 2017 Comments off

Featured image credit, MHProNews.

Our new September issue is live. Our featured articles will be available on the home page. Our September theme will be available mid-week this week.

 To see the line-up of over 2-dozen featured articles for this month, along with the headline commentary, please click the link above.

Manufactured, modular and prefabricated home professionals know that how a home got to its location should not define a person or their dwelling.

What the Daily Business News spotlights day-by-day are the tragedies, triumphs and struggles for acceptance of the obvious solution for millions for the growing affordable housing crisis in the U.S. and beyond.

When you read the lineup for the month found on the home page, you can reflect on another motto as you chart your own professional path ahead: “We Provide, You Decide.”  ©


What’s New On MHLivingNews

Manufactured Home Community Survives Hurricane Harvey, Damage Reports, and Relief Efforts

September 9th, 2017


September 8th, 2017


Featured image credit, KreditGoGo.

September 7th, 2017


September 6th, 2017


Featured image credit, AccuWeather

September 5th, 2017


Featured image credit, CPAPracticeAdvisor.

September 4th, 2o17


Featured image credit, Ewoow.

September 3rd, 2017

## (Headline news recaps.)

(Image credits are as shown above – or on the original pages where first posted, and when provided by third parties, are shared under fair use guidelines.)

JuliaGranowiczManufacturedHomeLivingNewsMHProNews-comSubmitted by Julia Granowicz to the Daily Business News for MHProNews.

HUD Updates: Safety Precautions or Regulatory Overreach?

September 9th, 2017 Comments off


The Department of Housing and Urban Development (HUD) is preparing to publish a Notice of Proposed Rulemaking which would make updates to the Federal Manufactured Home Construction and Safety Standards, according to Occupational Health and Safety (OHS).

They state that the proposed rules have been adopted at the recommendation of the HUD Manufactured Housing Consensus Committee (MHCC). This is in addition to another proposed rule that is currently under review, which will have a Notice of Proposed Rulemaking published sometime in September.

According to the website, the proposed rule is based on the third set of MHCC recommendations to update and improve various aspects of the Manufactured Housing Construction and Safety Standards,” according to OHS.

It would add new standards that would establish requirements for carbon monoxide detection, stairways, fire safety considerations for attached garages, and for draftstops when there is a usable space above and below the concealed space of a floor/ceiling assembly, and it also would establish requirements for venting systems to ensure that proper separation is maintained between the air intake and exhaust systems.”

MHARR responds

In a press release, linked here, the Manufactured Housing Association for Regulatory Reform (MHARR) pointed out that even though these proposed rules may be “based on the third set of recommendations” by MHCC, those recommendations were subjected to editorial revisions” by HUD.


Featured image credit, Brady Homes.

MHARR also reminded industry members that in the past, those revisions have been used by HUD to significantly modify the MHCC recommendations.

MHARR has spoken out on more than one occasion about excessive regulations being created by HUD, including the recent issues regarding federal preemption on a number of issues including fire sprinklers, and a proposed Frost-Free Interpretive Bulletin.

MHARR will continue to carefully monitor the rulemaking process for this new round of manufactured housing standards to ensure that the program does not engage in its customary manipulations in violation of the Manufactured Housing Improvement Act of 2000,” per MHARR. ## (News.)

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

JuliaGranowiczManufacturedHomeLivingNewsMHProNews-comSubmitted by Julia Granowicz to the Daily Business News for MHProNews.




Association, Members Respond to Hurricane Harvey, FEMA and Related Manufactured Housing Efforts

September 8th, 2017 Comments off

Featured image credits, AMHA, Oakwood Baptist Church, MHProNews.

With tens of thousands of households left homeless after Hurricane Harvey, the Federal Emergency Management Agency (FEMA), is preparing for what administrator Brock Long believes could be years of work to get people back into homes.

  • As the Daily Business News (DBN) on MHProNews has previously reported,
    the Department of Housing and Urban Development (HUD),
    as well as manufactured housing industry professionals,

are all gearing up for the biggest housing relief efforts seen in the United States to date.

The DBN has also reported on an urgent call from FEMA for manufactured homes.



Lance Latham, AL Manufactured Housing Association.

Now the Alabama Manufactured Housing Association (AMHA) has informed MHProNews that many of the 4,500 requested emergency housing units will come from Alabama.

A lot of our retailers and manufacturing plants are already FEMA contractors, and they have a great deal of experience with building these homes,” said Alabama Manufactured Housing Association Deputy Director, Lance Latham.

“Alabama is Uniquely Prepared to Meet this Need”

There are some twelve manufactured housing plants in the state of Alabama.  Those production centers reported have nearly 4,000 employees. In 2016, those manufactured home plants produced more than 11,000 homes.

That total, sources say, does not include units made specifically for FEMA.

Our industry is very strong in Alabama, and because of that we are in a position to help,” said Latham. “As one of the top four states in the country for producing manufactured housing, Alabama is uniquely prepared to meet this need.”


FEMA manufactured homes that were used in Minnesota after flooding. Image credit, FEMA.

FEMA Manufactured Housing Units (MHU) can be between one and three bedrooms, and must be handicap accessible. The MHUs are built and inspected to the same HUD Code for manufactured homes, but have specific features that FEMA desires for emergency relief use.

During the recent urgent call for manufactured homes, FEMA will be taking all homes up to three bedrooms, and no larger than 16 X 72, per Federal Business Opportunities.

While FEMA gathers up existing manufactured homes for survivors of Harvey in Texas or Louisiana, manufacturers will need to replenish their inventory. Builders are striving to keep up with existing sales from retailers, communities and developers.  But they are also striving to prepare for the possibility of major hurricane destruction in Florida and the southeastern Atlantic, as Hurricane Irma is projected to make landfall.

Disruption in the Supply Chain Could Stall Production


Supplies like plywood could see a shortage due to Hurricane Harvey. Image credit, Love To Know.

Sources in Alabama have told MHProNews that there could be a temporary disruption of supplies as many of the suppliers are in the Houston metro area, where Hurricane Harvey made landfall less than two weeks ago.

Disruption in the supply chain is expected to affect both manufactured housing and the conventional housing industries, as well as remodelers. The first things expected to see a price hike are plywood and OSB.

According to the same sources, several manufacturers are already announcing the rise in prices to retailers, communities and developers.

The price of fuel is also temporarily up, which will tend to lead to a fuel surcharges.

All these potential shortages can affect the efficiency of the production of additional manufactured homes for FEMA.  Still, the response time using MHUs or other manufactured homes is likely to be much more rapid than conventional construction, because similar factors will impact ‘stick builders.’

Regardless, AMHA states that manufacturers in Alabama are prepared, and that “the plants can easily switch over to doing FEMA units,” per ## (News.)

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


Submitted by Julia Granowicz to the Daily Business News for MHProNews.




Certain Voices are Pushing It – Would Universal Income Help or Hurting Americans?

September 8th, 2017 Comments off

Featured image credit, Niche Pursuits, MHProNews.

As innovation and automation displace jobs and transform the marketplace, it will require a paradigm shift in policy to ensure that the economy remains stable, everyone benefits, and no one is left behind,” U.S. Representative Chris Lee (D-HI) wrote on r/futurology on Reddit.

With experts saying that most service jobs – like wait staff, cooks, cleaners and more – will be replaced as automation takes over. A growing number fear for the jobs of those who work in these industries, per the Associated Press (AP).

In Hawaii, where service jobs make a large portion of the economy, due to the tourism industry, the threat of automation is more critical. One proposed solution being proposed there is universal basic income (UBI) for residents, regardless of their employment status.

Both Sides of the Universal Income Coin

No one has yet to propose a plausible way of paying for the universal basic income concept.  But to properly understand this issue – or any other – the voices of some of those promoting and opposing the concept deserves a fair hearing.


U.S. Representative Chris Lee. Image credit, Wikipedia.

Representative Lee introduced a bill that proposed providing a basic income for Hawaiians. State lawmakers recently voted to explore the idea.

Hawaii’s heavy reliance on a service-based economy makes it more susceptible to economic disruption and job loss than any other states, and work must begin now to address the rapid automation, innovation, and globalization that already is beginning to displace significant amounts of local jobs, resulting in worsening income equality,” the bill reads.

The full bill is available for download here.

Why Consider Universal Income?

In the modern world, everybody should have the opportunity to work and to thrive. Most countries can afford to make sure that everybody has their basic needs covered,” Virgin Group founder Sir Richard Branson wrote in a recent blog post.

He went on to write, “One idea that could help make this a reality is a universal basic income. This concept should be further explored to see how it can work practically.”

The basic concept of universal basic income is that people would receive a set amount of money each month or year that is expected to cover basic needs like shelter, food and other essentials. This income would be given to everyone, regardless of whether they are employed or not.

It certainly sounds appealing to millions – as did the promise of free college, or free health care – in the last election cycle.


Virgin Group founder Sir Richard Branson. Image credit, Business Insider.

Basic income is such a broad subject, it could encompass hundreds of different kinds of mechanisms to help families,” Lee told CBS. “You don’t have to enact the entire thing in one massive program; you can take bits and pieces that make sense.”


Karl Widerquist, co-founder of the U.S. Basic Income Guarantee Network, an informal group promoting the idea of UBI. Image credit, Basic Income Guarantee.

One example advanced by advocates as a form of universal basic income is Alaska’s oil dividend. Those payments range from $1,000 to $2,000 annually, per the Associated Press (AP).

Natalie Foster, co-chairwoman of the Economic Security Project, says that people don’t see it as a hand-out, but as an Alaskan right to oil royalties.

If people in Alaska deserve an oil dividend, why don’t the people of Hawaii deserve a beach dividend?” asked Karl Widerquist, co-founder of the U.S. Basic Income Guarantee Network, an informal group promoting the idea of UBI.

Pursuing hard work enough to make a decent living no longer applies in an economy in which automation and innovation have taken that away from so many people,” Lee told Business Insider.

Those For and Against a Universal Basic Income

As one would expect, there are arguments both for and against the idea of a universal basic income. What Hawaii is considering, is something that has been proposed by the likes of Elon Musk, and potential 2020 presidential candidate – Facebook’s Mark Zuckerberg.

However, just because the idea is proposed by influential names does not mean it is one that will work.

Many economists have pointed out the major issue with universal basic income – where is the money going to come from?


Image credit, Good Ventures.

A study conducted by a team of economists at the left-leaning Roosevelt Institute claim that implementing a guaranteed income of $1,000 a month for all Americans would accelerate U.S. economic growth by 12.56 percent over the course of 8 years.

But they propose financing such a program by increasing federal debt.

They also looked at the possibility of financing it through an increased redistributed tax. They found that doing that would lead to a smaller growth, producing 2.63 percent of GDP growth over 8 years.

Their study says that doing it this way, would lead to a 1.39 percent decrease in federal debt, as well as a decrease in unemployment.

The study did not however, account for issues like whether it would make people less likely to seek jobs, or increase their freedom to take innovative risks.

Another often overlooked challenge is that historically, the wealthy flee high tax jurisdictions. Even as some claim to support higher taxes, they often move their money to a lower tax state – or a lower tax nation.


That’s why there’s an estimated 2 to 3 trillion U.S. dollars offshore today.  High taxes, high regulations, pushed those companies out.



Image credit, Self Learn.

So how do Alaskan’s spend their oil dividend, which is the closest thing to a form of universal basic income in the U.S.?

A study commissioned by the Economic Security Project found that 72 percent of Alaskans saved the money for essentials, emergencies, debt payments, retirement or education. Just 1 percent said that receiving the oil dividend had made them likely to work less,” per AP.

One thing that should be noted, is that the oil dividend of $1,000-2,000 annually, is far less than the $1,000 per month proposed in the Roosevelt Institute study.


Tom Yamachika. Image credit, Biz Journals.

A lot of poor people move here anyway, because they don’t freeze,” said Tom Yamachika, president of the Tax Foundation of Hawaii. “This won’t help.”

With a steady stream of income that requires no work, will people be less likely to work? The hope may be that they will use the money to spend on extras, side projects, or retirement savings – which would boost the economy.

But will this be the reality if universal basic income were applied? And would such a program be sustainable long-term?

If people relied on that income, and neglected to work, rather than perusing work to fund additional aspirations, wouldn’t that defeat the purpose of a universal basic income?

In a situation where such a program relies on an increase in government taxes, as proposed by the Roosevelt Institute, what problems could occur long-term?

What it All Comes Down To…

…is the fact that universal basic income, while a fine sounding idea, is upon closer scrutiny likely to be unsustainable.  As manufactured housing advocate, the Rev. Donald Tye said recently, there is no such thing as a free lunch. Someone always pays.



What made America the wealthiest nation on earth? By protecting the productivity of the masses of people. True, America has never been perfect. No place has. But nowhere on earth was more wealth created in a shorter time than the U.S.A. in our free enterprise system. Click the above to learn more.

Millions aren’t asking, how is it just to take from someone who has earned money, and give it to someone who hasn’t?  That’s a point Frederic Bastiat made two centuries ago.


One of several fallacies of those that argue for UBI that claim that robots will produce for everyone is this. Why should the public believe that those who created those robots will share their productivity?  To learn more, click the above.

Or as publisher L. A. ‘Tony’ Kovach has said, what ever you subsidize you tend to get more of that behavior.  Rewarding the wrong behavior only leads to more of that behavior.



George Zarkadakis. Image credit, AI Business.

Governments may like UBI because it is the sword that can cut through the messy Gordian knot of their welfare systems, which are generating generational poverty rather than helping anyone,” George Zarkadakis, an artificial intelligence (AI) engineer, wrote in a contribution to the Huffington Post.

There are millions of people currently on benefits whose life is miserable. Extending the idea of welfare to all under the guise of UBI we are in danger of extending misery.”

Rather than creating yet another social program, funded by working Americans, the Trump Administration is working to boost the economy through proven economic means.

One of the ways the administration is hoping to do this is to reduce illegal immigration to make more jobs available to American’s. This would eventually lead to a demand for higher paid employees, boosting the minimum wage naturally.

President Trump has also been pushing Congress to pass a tax reform bill – and soon.

When most voters in the U.S. are in favor of less taxes, why would anyone want to be taxed more for a guaranteed income? President Trump’s tax plan would create opportunities for true economic freedom in the United States. ## (News, analysis.)

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

JuliaGranowiczManufacturedHomeLivingNewsMHProNews-comSubmitted by Julia Granowicz to the Daily Business News for MHProNews.