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Sunday Morning Manufactured Home Industry Research, Reports, Headline News Recap 7.8.2018 to 7.15.2018

July 15th, 2018 No comments
SundayMorningManufacturedHousingIndusryNewRecapMHProNewsLogoDaliyBusinessNewsMHProNews7.8.2018to7.14.2018

Trivia note: that’s how the MHProNews home page looks like on that iPad screen, just moments before the Sunday Morning weekly recap is published. We do get typos, but we also sweat the details, all for thousands of industry readers like you.

Albert Einstein, Zig Ziglar, Martha C. Nussbaum, and Manufactured Housing

 

There are those who mistakenly think they don’t understand the value of an honest critique

But the truth is that we all know the value of objective analysis, because we all rate things – be they spoken, written, expressed by 1 to 5 stars, social media likes, and the critiques one keeps to oneself.

AlbertEinstienZIgZiglarMarthCNussbaumManufacturedHousingDailyBusinessNewsMHProNews 

The manufactured housing industry stands at the edge of great potential. That’s the logic from various third-party factoids found on Saturday’s Daily Business News report, linked below.

HumanitiesValueBuisnessCriticismDissentWhenGoingAlongGetAlongWhereWhistleblowersDiscouragedBadThingsHappenBusinssesImplodeMarthaCNussbaumPhotoQuote

Design by MHProNews.

How does a manufactured housing industry professional, advocate or investor best tap into the potential of manufactured homes during this raging affordable housing crisis?

WeCannotsolveOurpRoblemsWiththeSameThinkingWeUsedWhenWeCreatedThemALbertEinsteinQuoteManufacturedHouusingIndustryMHProNews

In part, by understanding reality.

The ideal balance for achieving that reality check is SWOT. 

SWOTAnalysisDailyBusinessNewsMHProNews

The four quads of a good SWOT analysis. Strengths, Weaknesses, Opportunities, Threats.

Part of SWOT is identifying threats and weaknesses. Those who only do cheer leading are arguably hobbling progress.

TheFirstStepInSolvingAProblemIsToRecognizethatItDoesExistZigZiglarDailyBusinessNewsMHProNews

SWOT is a critical analysis, using a different phrasing. 

It’s like an employee evaluation, the more objective it is, the better. After all, the principle is that one gets more of what we encourage, and less of what we discourage, right?

 TurthSoundsLikeHateToThoseWhoHateTheTruthQuotePrismDailyBusinessNewsMHProNews

The truth or evidence can be disturbing, but usually it’s uncomfortable because it’s misunderstood, or due to someone being in denial.

No good parent or coach let’s a child or team mate keep making the same mistakes without guidance. No good doctor would fail to warn a patient about risks to life or limb.  All of those are examples of critiques.

The quotes from Martha C. Nussbaum, Albert Einstein, and Zig Ziglar are useful reality checks from respected minds, that come from a variety of disciplines.

 MarthaCNussbaumAmericanPhilosopherLegalScholarWikiManufacturedHOusingIndsutryDailyBusinessNewsMHProNews

For baseball or sports fans, Tony reminds me periodically of the Mickey Mantle quote shown.

 

ItsUnbelievableHowMuchYouDontKnowAboutGameYouveBeenPlayingAllYourLifeMickeyMantleBaseballHallFameMastheadManufacturedHousingIndustryCommentaryMHProNews

What hall of famer Mickey Mantle said about baseball applies to manufactured housing too.

When an industry that has as much potential as manufactured housing has today  – and yet is still underperforming – there must to be objective reasons for it.

IfIHadAnHourToSolveAProblemIdSpend55MinutesThinkingAboutthePRoblemAnd5MinutesThinkingAboutsolutionsAlbertEinsteinquoteMHProNews

Objective analysis and critique are essentially for growing a business or location’s sales, and thus the industry to its potential.

The quotes shown remind readers that critique is useful, necessary, and – surprisingly! – positive, but only when it is properly viewed and understood.

KnowledgeIsNoGuaranteeofGoodBehaviorButIgnoranceisaVirtualGuaranteeofBadBehavior-MarthCNussbaumPhDQuotePhotoManufacturedHousingIndustryProNews550x315

On MHProNews, we hunt for, curate, and share information that’s designed to inspire superior performance for those who tune in, objectively think matters through, and thus ‘get it.’

With those insights and thoughts in mind, let’s dive into the headlines from the week in review.

 

What’s New on MHLivingNews

 

MHLivingNewsImprovedLivingForLe$$taglinedropshadow

MHLivingNews features lifestyle and living news on prefab housing, with a focus on manufactured homes.  It’s the industry’s most robust, facts and evidence based educational website for the general public.

Exposé! Heartbroken Conventional Housing Buyers? Dare to Compare Site Built with Modern Manufactured Homes

Exposé! Heartbroken Conventional Housing Buyers? Dare to Compare Site Built with Modern Manufactured Homes


What’s New on the Masthead

 

Profits, Understanding Human Events, and Manufactured Housing

Profits, Understanding Human Events, and Manufactured Housing

 

What’s New on the Cutting Edge

 

Savvy Stealth Marketing – and “Product Placement” Storytelling

Savvy Stealth Marketing – and “Product Placement” Storytelling

 

What’s New on the Daily Business News

DailyBusinessNewsLogoMHProNewsLogo (1)

Saturday 7.13.2018

7 Reasons Why Manufactured Housing is Poised to for More Rapid Growth

7 Reasons Why Manufactured Housing is Poised to for More Rapid Growth

 

Friday 7.12.2018

Really? Taxes are Cut, Tax Collection and Revenue Grows?

Really? Taxes are Cut, Tax Collection and Revenue Grows?

Stocks Just Did What? Plus Manufactured Housing Industry Market Updates

 

City Fighting to KEEP Dozens of Manufactured Home Communities

City Fighting to KEEP Dozens of Manufactured Home Communities

Friday the 13th, Mobile Homes, Fires, Tornado Magnets and the 2020 U.S. Census

Friday the 13th, Mobile Homes, Fires, Tornado Magnets and the 2020 U.S. Census

 

Thursday 7.11.2018

Capitalism, Socialism, & Manufactured Housing

Capitalism, Socialism, & Manufactured Housing

“Protecting & Promoting Competition” Stunned Defendant, as DOJ OK’s Anti-Trust Appeal, Plus MH Market Updates

“Protecting & Promoting Competition” Stunned Defendant, as DOJ OK’s Anti-Trust Appeal, Plus MH Market Updates

Manufactured and Modular Housing Factoids, and Profitable Analysis

Manufactured and Modular Housing Factoids, and Profitable Analysis

Investors, Heartbroken Home Owners, Site Building Giant DR Horton, and Manufactured Housing

 

 

Wednesday 7.10.2018

DOJ Anti-Trust Division Looking to Appeal Decision, Plus Manufactured Housing Market Updates

Proper Definitions, Mobile Home, Manufactured Home, or Trailer House – Civil Rights, Respect, Public Policy, & Value Issues

Proper Definitions, Mobile Home, Manufactured Home, or Trailer House – Civil Rights, Respect, Public Policy, & Value Issues

“Fear Mongering,” and Manufactured Housing Advancement

“Fear Mongering,” and Manufactured Housing Advancement

How Warren Buffett Built Berkshire Hathaway Investment Empire, Infographic

How Warren Buffett Built Berkshire Hathaway Investment Empire, Infographic

 

Tuesday 7.9.2018

Texas Commission Talks West Texas Oil Boom, Plus Manufactured Home Market Updates

Forbes Boast$ about Manufactured Home Community Operation

Forbes Boast$ about Manufactured Home Community Operation

“RESTORING THE RULE OF LAW TO MANUFACTURED HOUSING REGULATION” – MH Leader Call to Action

“RESTORING THE RULE OF LAW TO MANUFACTURED HOUSING REGULATION” – MH Leader Call to Action

Dog Whistles, as Epic Battle for Business Effecting Manufactured Housing, Others Looms

 

 

Monday 7.8.2018

U.S. vs China, SCOTUS Pick, Biz Effects, and MH Market Updates

“Unconstitutional Taking,” “Gentrification on Trial” in Recent Oak Hill Manufactured Home Community Ruling

“Unconstitutional Taking,” “Gentrification on Trial” in Recent Oak Hill Manufactured Home Community Ruling

Beautiful Dreamers, Looks vs. Results? Monday Morning Manufactured Housing Sales, Marketing Meeting

Beautiful Dreamers, Looks vs. Results? Monday Morning Manufactured Housing Sales, Marketing Meeting

Winners and Losers, 5 Midwestern States, Manufactured Home Shipment Breakdown

Winners and Losers, 5 Midwestern States, Manufactured Home Shipment Breakdown

 

Sunday 7.7.2018

Sunday Morning Manufactured Home Industry Research, Reports, Headline News Recap 7.1.2018 to 7.8.2018

Sunday Morning Manufactured Home Industry Research, Reports, Headline News Recap 7.1.2018 to 7.8.2018

And that’s all she wrote, with a little hand from that other guy, during the week that was.  Stay tuned for some news and insights next week you won’t find anywhere else in MHVille.  That assurance comes with our money back guarantee. 😊 That’s News through the lens of Manufactured Homes, and Factory-Built Housing.” © “We Provide, You Decide.” © ## (News, analysis and commentary.)

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Really? Taxes are Cut, Tax Collection and Revenue Grows?

July 13th, 2018 No comments

 

ReallyTaxesAreCutaxCollectionsARevenuesGrowManufacturedHousingIndustryDailyBusinessNewsMHProNews

Facts are facts.  They are not partisan, or at least, they shouldn’t be.

 

It may not always seem like it, but tax rates and related policies – hold that yawn, please – can be significant drivers of economic activity.

Translated, taxes can help or harm business, including manufactured housing.

That’s why the National Federation of Independent Businesses and others have championed tax cuts. For similar reasons, they are why the Manufactured Housing Association for Regulatory Reform (MHARR) has championed enforcing the law on regulations, not going beyond it.

“RESTORING THE RULE OF LAW TO MANUFACTURED HOUSING REGULATION” – MH Leader Call to Action

The Daily Business News promoted for several years the point that tax cutting has proven to be a bi-partisan success in modern American history. President John F. Kennedy (D) cut taxes.  President Ronald Reagan (R) cut taxes.  Certainty on taxes and regulations are good for business, investors, and job creation.

TaxReformKennedyJohnsonReagan1Reagan2economistManufacturedHousingIndustryDailyBusinessNewsMHproNews

Both of those presidents witnessed revenue growth, and economic growth in the wake of their tax cuts.

HeritageKennedyReaganTaxCutsWorkedDailyBusinessNewsMHProNews

So, is it any surprise that the latest Treasury data reveals that after the historic tax cuts signed into law last year by President Donald J. Trump that revenue has grown?

That’s a fact.

TaxCollectionsSetRecordsManufacturedHousingINdustryDailyBusinessNEwsMHproNews

The federal government collected a record $1,305,490,000,000 in individual income taxes through the first nine months of fiscal 2018 (October 2017 through June 2018),” noted CNS.

TreasuryJune2018ManufacturedHousingIndustryDailyBusinessNewsMHProNews

There is still a sizable deficit, which was anticipated.  Given structural reforms that are already underway, with more that could be coming in 2019, that could begin to fall back in line.

In a federal release do the Daily Business News, “The Monthly Treasury Statement of Receipts and Outlays of the United States Government (MTS) is prepared by the Bureau of the Fiscal Service, Department of the Treasury and, after approval by the Fiscal Assistant Secretary of the Treasury, is normally released on the 8th workday of the month following the reporting month. The publication is based on data provided by Federal entities, disbursing officers, and Federal Reserve banks.”

Econtrepreneur bills itself as the “Intersection of Business-Economics-Politics.”  They’ve provided the following insightful information, which may include an insight that many never knew.  Namely, that for years, tariffs and other taxes – not an income tax – were the bulk of the payments to support the federal government.

TaxFactsEcontreprenuerManufacturedHousingIndustryDailyBusinessNewsMHProNews

There are still serious structural changes that are needed in Washington, D.C.  President Trump has said as much, and has included as part of his plan the goal for yet another round of tax cuts and making some of the ‘temporary’ cuts permeant.  NFIB, which sources there say has hundreds of manufactured housing industry member companies, is promoting that phase two of tax cuts.

Act Now to Make Tax Cuts for Small Business Permeant

The U.S. economy is growing at a faster pace, and unemployment is at or near record lows for most measured groups.

Perhaps the most interesting recent development is that those who’ve sat on the sidelines for some time are now coming back out, looking for those better paying jobs.  But another benefit is the hundreds of billions in capital pouring back into the U.S.  One factory builder has already arguably benefited from that foreign or repatriated capital coming to America.

Billion Dollar Startup Modular Builder, Using Robotics, Could Soon Rival Clayton Homes’ Total Sales

All of these economic drivers promise more economic growth, which will create still more federal tax revenues. Yes, trade is an issue, but there are experts who believe that it is going to get resolved, favorably for the U.S., in the weeks ahead.  If so, that too will boost domestic industry, jobs, etc.

Politics aside, it’s all part of a promising economic outlook for the balance of the year.  Of course, among the question marks are the midterms, which are now just 4 months out. Whatever comes, the Daily Business News will continue to monitor the developments. “We Provide, You Decide.” © ## (News, analysis and commentary.)

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

Related Reports:

Revised Economic Numbers Spotlight Strongest GDP in Years, Q2, Plus Manufactured Housing Industry Market Report

Flag Day, POTUS Trump Doctrine, Supply, Demand, Financing, Affordable Housing, Jobs, Economic Growth, Human Dignity, and God

 

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3) Marketing, Web, Video, Consulting, Recruiting and Training Resources

SoheylaKovachDailyBusinessNewsMHProNewsMHLivingNewsSubmitted by Soheyla Kovach to the Daily Business News for MHProNews.com. Soheyla is a managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

DOJ Anti-Trust Division Looking to Appeal Decision, Plus Manufactured Housing Market Updates

July 11th, 2018 No comments

CNNmoney7.11.2018ManufacturedHomeStocksMarketsReportsMHProNewsDepending on who you ask in MHVille, the AT&T/Time Warner deal ruling either has little meaning for manufactured housing companies, or it may have real significance. What is now being revealed, is that the Trump Administration DOJ is considering an appeal.  That will be our focus for this evening.

 

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

 

The ever evolving Daily Business News market report sets the manufactured home industry’s stocks in the broader context of the overall markets.  It’s an example of “News through the lens of manufactured homes, and factory-built housing.” ©

It just makes sense. Because like it or not, what moves the markets effects manufactured housing too.

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.

This is an exclusive evening or nightly example of MH “Industry News, Tips and Views, Pros Can Use.” ©  It is fascinating to see just how similar, and different, these two lists of headlines can be.

Want to know more about the left-right media divide from third party research?  ICYMI – for those not familiar with the “Full Measure,” ‘left-center-right’ media chart, please click here.

 

Select bullets from CNN Money…

  • Trade war? Here’s why investors should really worry
  • Why the Dow is getting left in the dust
  • Mohamed El-Erian explains the big risks investors face
  • Europe and the US have the world’s most important business ties
  • Foreign investment in the United States plunged 32% in 2017
  • Analysis: Will Brian Roberts lose it all?
  • Oprah expands her food empire
  • Twitter is purging suspicious accounts from your follower count
  • Facebook faces maximum fine in UK for data scandal
  • A Russian company also had access to Facebook user data
  • YouTube says it has a plan to stem the flow of ‘fake news’ videos
  • Apple and Google face questions on smartphone data privacy
  • Tim Hortons is moving into China
  • Pfizer freezes price hikes after Trump complains
  • Wall Street has Trump whiplash
  • Tickets for Sean Spicer book launch party going for up to $1,000
  • Tax cut triggers $437 billion explosion of stock buybacks
  • Germany isn’t the only country that still needs cheap Russian gas
  • India pours $305 million more into its money-losing airline
  • China is owning the future of cars. German automakers want in
  • Tesla is going big in China
  • How Thailand became the ‘Detroit of Asia’
  • The retirement mistake that could cost you $100,000 or more

 

Select Bullets from Fox Business

  •  Solicitor general balking at DOJ plan to appeal AT&T-Time Warner deal
  • Oil down 5% as new supplies cause traders to sell
  • Trump rally: Hottest sectors since Election Day
  • Stocks slide as US prepares $200B in tariffs on Chinese goods
  • China says will hit back after US proposes fresh tariffs on $200B in goods
  • Future of Fox entertainment assets in focus at Sun Valley conference
  • Papa John’s founder apologizes for using racial slur, shares sink
  • Kylie Jenner set to be the youngest-ever self-made billionaire
  • Macy’s data breach exposed credit card information for some online shoppers
  • Congress eyes truck driver shortage solution
  • Oprah just invested a ‘significant’ amount into this restaurant business
  • Monsanto to get flooded with thousands of cancer-related lawsuits
  • Tax law to make divorce proceedings messier
  • Trump ups NATO contribution target as allies lag on defense spending
  • Kavanaugh could make red wave probable in Senate come November: Varney
  • Will Comcast try to outbid Fox for Sky?
  • Feds order shut down of Vermont immigrant investor center
  • Why Fastenal Company Stock Popped 10%

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

9MarketIndicatorsYahooFinance7.11.2018DailyBusinessNeawsManufacturedHousingIndustryStocksMarketsReportsDataMHProNews

 

Manufactured Housing Composite Value (MHCV)

YahooFinanceManufacturedHousingCompValue7.11.2018DailyBusinessNewsStocksMarketsDataReportsMHProNews

Today’s Big Movers

For all the scores and highlights on tracked manufactured home connected stocks today, see thBloomberg graphic, posted below.

Today’s MH Market Spotlight Report –

AntiTrustDivisionDeptOfJusticeManufacturedHousingIndustryDailyBusinessNewsMHproNews

Depending on who you ask in MHVille, the AT&T/Time Warner deal ruling either has little meaning for manufactured housing companies, or it may have real significance. What is now being revealed, is that the Trump Administration DOJ is considering an appeal.  That will be our focus for this evening.

 

Obvious disclosure, we are not attorneys nor are we the even more specialized class of lawyers and legal scholars who work on anti-trust related issues.

That said, in recent years, as MHProNews has covered periodically, concerns about Berkshire Hathaway, Clayton Homes, and allegations of monopolistic practices have been brewing.  The Seattle Time revealed what MHProNews readers already knew, namely, that federal officials are looking at several issues that involve Clayton and their lending related units, Vanderbilt Mortgage and Finance (VMF), and 21st Mortgage Corp. (21st).

As an FYI, there is an unrelated story about 21st and their lending that is brewing, which we plan to bring in the days ahead as the details become more clear.

Against that backdrop, the word that there is a battle within DOJ to appeal the AT&T case loss is noteworthy.  Fox Business’ Charlie Gasparino comments on the developments in this video. That said, the DOJ antitrust division is looking to appeal AT&T-Time Warner ruling, reports Charlie Gasparino.

 

 

Antitrust officials in the Justice Department (DOJ) have privately decided to appeal a federal judge’s approval of AT&T’s planned $85 billion takeover of Time Warner, but are facing resistance from the most important player in the process, the office of the U.S. Solicitor General.

 

The Fox Business Network has learned from people close to the DOJ’s antitrust division that an appeal of the landmark ruling by U.S. District Judge Richard Leon is all but a certainty if Solicitor General Noel Francisco approves the action.

But that approval, which is being sought by antitrust chief Makan Delrahim, faces resistance from the Solicitor General’s office, which must approve any appeal made by the DOJ either in federal courts or the Supreme Court, these people said.

The view in the Solicitor General’s office is that the government has limited capabilities of successful appeals and you don’t want to squander those on cases that are borderline,” said one government official who spoke on condition of anonymity,” said the Fox report.

Gasparino makes it sound like the anti-trust attorneys involved believed their odds are good.

That said, whatever the decision in this particular case, it supports the notion that in the foreseeable future, more anti-trust cases may be heard.  Will Clayton, 21st, VMF and Berkshire Hathaway be among them?  Or what about Amazon, Facebook and Google’s parent company, Alphabet?

Time will tell, stay tuned.

Related Reports:

Facebook, Marketing & News – Manufactured Housing Pros, Sarah Miller, ‘Citizens Against Monopoly’ Sound the Alarm

Breakup “Massive Power” of Giants, “Subvert Our Democratic Process” Says Senator Cruz, & MH CEO’s Call for “Fully Competitive Housing Access”

Clayton Homes, Top 25 Manufactured Housing Industry Report, Trend Lines

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

 

Bloomberg Closing Ticker for MHProNews…

NOTE: The chart below includes the Canadian stock, ECN, which purchased Triad Financial Services.

NOTE: The chart below covers a number of stocks NOT reflected in the Yahoo MHCV, shown above.

NOTE: Drew changed its name and trading symbol at the end of 2016 to Lippert (LCII).

7.11.2018DailyBusinessNewsManufacturedHousingConnectedMarketReportsBloombergMHProNews

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

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

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

Your link to 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.”

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

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

Submitted by Soheyla Kovach to the Daily Business News for MHProNews.com.

 

“Fear Mongering,” and Manufactured Housing Advancement

July 11th, 2018 No comments

 

FearMongeringandManufacturedHousingIndustryAdvancementNPRGettyphotoDailyBusinessNewsMHProNews

It’s going to get worse, before it gets better.”

–         Jim Reitzner, Asset Development Group (ADG).!

 

It’s about the rule of law.

 

It’s about laws that make good sense and were properly passed by the representatives of the people.

And the rule of law is going to be front and center with respect to the nation, and manufactured housing (MH) in the months ahead.

Who says?

Several MH industry, and national, voices.  Some examples.

donaldtrumpnominatesbencarsonashousingsecretarycreditmhpronews2-postedtothedailybusinessnewsmhpronewsmhlivingnews

Kurt Kelley. Credit: MHProNews.

The role of judges in the US is to rule on what laws apply and what they mean.  Only when laws are ambiguous should the meaning of the law be determined by sources outside the written law itself,” said manufactured housing industry attorney, Kurt Kelley to MHProNews. “And when there is ambiguity, that source must only be from writings contemporaneous with the written law.  Seeking any other outside sources results in random results or results which are the product of a judge’s biases.  The concept of a “Living Constitution” is an prescription for results that reflect whatever biases a judge has.  Predictability in the law is a prerequisite to predictable liberties and thriving commerce.

Once again staying true to his campaign promises, President Trump just nominated Brett Kavanaugh as his pick to replace Justice Anthony Kennedy on the Supreme Court. It’s an excellent choice — though the coming wave of fear-mongering may hide that fact for a while,” the New York Post Editorial Board writes.

Judge Kavanaugh, 53, is widely seen as one of the top legal minds of his generation — so much so that now-Justice Elena Kagan recruited him to teach at Harvard Law, where students across the spectrum rave about him,” per that NY Post editorial.

Judge Kavanaugh understands the proper role of the judiciary and will faithfully honor the Constitution. That’s why I will lift heaven and Earth to see that he is confirmed,” Sen. Orrin Hatch (R-UT) writes in the Washington Examiner. “He will be a strong, principled voice on the Supreme Court.”

 

MarkWeissManufacturedHousingAssociationForRegulatoryReformMHARRPresidentCEOMHProNews

Mark Weiss, President and CEO of the Manufactured Housing Association for Regulatory Reform (MHARR).

The rule of law, and the supremacy of law over the arbitrary whims of individuals who happen to wield government power, was a profound concern for the founders who debated and developed the Constitution of the United States. For over two centuries, legal scholars have pointed to the primacy of the “rule of law” in the system of limited government and defined powers established by the Constitution, stating, for example: “The rule of law may be the most significant and influential accomplishment of Western constitutional thinking. The very meaning and structure of our Constitution embody this principle. Nowhere expressed yet evident throughout the Constitution, this bedrock concept is the first principle on which the American legal and political system was built.”

–   Mark Weiss, J.D., President and CEO of the Manufactured Housing Association for Regulatory Reform (MHARR).

 

The Battle Over the Rule of Law

Needless to say, there are a range of voices that disagree.

That tension was dramatically showcased just minutes after the announcement of Judge Kavanaugh, when anti-Trump protesters were prepared to protest any nominee he would name.

StopJudgeBrettKavanaughManufacturedHousiingIndustryDailyBusinessNewsMHproNews

Reports indicated that anti-Trump protestors had signs made up for each of the most likely nominees for replacing retiring Justice Anthony “Tony” Kennedy. These are not spontaneous protests, they are carefully organized and are well funded.

Some of those protesters at the Supreme Court on Monday are reportedly politically aligned with forces that have ties to the MH Action, leftist protest group.

Behind So-Called “MH Resident Activists,” MHAction’s Kevin Borden, Anti- HUD Secretary Ben Carson, Manufactured Housing Industry Protests

Knowing that protests in front of the Supreme Court Building would draw cameras and headlines, it is part of the stage-crafted use of mainstream media. It raises a range of questions that will be explored in the days ahead.  The same points are true for the MH Action group, only on a far smaller scale.

Suffice it to say for now,

  • that however qualified Judge Kavanaugh may be,
  • and however important his being confirmed is for all business,
  • including the manufactured home industry’s,
  • return to a rule of law — it will be strongly opposed.

Those opponents will be examined by MHProNews in the coming days.

 

Dependability, Certainty in Law Are Essential for Business, for Workers, and Commerce

Industry attorneys Weiss, Kelley plus those cited above all argue for a dependable rule of law, that is the bedrock of the authentically American system.  Certainty is one of the most common terms used by investors in manufactured housing.   Warren Buffett phrases it differently, at times – such as his point about an industry or business having a durable competitive advantage – but the point is similar.

How Warren Buffett Built Berkshire Hathaway Investment Empire, Infographic

Why are hundreds of billions of dollars pouring back into the United States? Yes, tax reform is an important part of the motivation.

But another key part is ‘Regulatory Reform,’ which President Donald J. Trump has himself touted repeatedly. Dependable, common sense regulations can harm or advance business, and thus harms or advances job creation too.

Regulatory reform is also a theme which MHARR and the National Federation of Independent Businesses (NFIB) have both been successfully arguing for in Washington.

While NFIB, which sources there have told the Daily Business News reportedly has a similar number of manufactured housing business members as MHI, and whose total numbers dwarf all of manufactured housing employment combined, MHARR is laser focused on regulations that have specifically harmed manufactured housing.

Weiss argues for enforcement of laws that could create millions of new manufactured home owners in the coming years.

The thrust of Weiss’ thesis is enforcement of existing laws, especially at HUD, which is the prime federal regulator of manufactured homes.

 

 

Left, Right, Center?

The problem with activist judges is that they undermine the rule of law. They also undercut the proper role of the legislative branch, which alone is given authority in the Constitution to make new laws.

Fear-mongering” is exactly what is already taking place, mostly by the political left, but also from some in the “never Trump” camp. For the left, the Supreme Court of the United States (SCOTUS) has been a useful tool to get or defend positions which on their face are found no where in the Constitution.

When now Justice Clarence Thomas was undergoing his confirmation hearings, he went thought a barrage of attacks which he called “a high-tech lynching.”

Volunteer, family man, praised legal mind, and literarily an altar boy in his youth, Brett Kavanaugh could well face his own high-tech lynching.

It’s the price some are paying to drain the swamp of what Weiss called the “deep state” efforts in Washington that have harmed our industry for well over a decade.

The Importance for Businesses and Investors in Manufactured Housing for Selecting the Next Supreme Court Justice

Kelley’s prior comments on this topic are linked above, while Weiss’ new commentary are found at the link below.

“RESTORING THE RULE OF LAW TO MANUFACTURED HOUSING REGULATION” – MH Leader Call to Action

That’s “News Through the Lens of Manufactured Homes, and Factory Built Housing.” © Here, “We Provide, You Decide.”  © ## (News, analysis, and commentary.)

Footnote 1: The expression by Jim Reitzner is a generic statement periodically used by that manufactured home industry professional that seems to fit this topic; but bit should not be construed as a direct quote by him given for this column.

(Third party images, and content are provided under fair use guidelines.) Related Reports, are linked below…

ManufacturedHomeIndustry#1HeadlineNewsMHProNews

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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:
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“RESTORING THE RULE OF LAW TO MANUFACTURED HOUSING REGULATION” – MH Leader Call to Action

July 10th, 2018 No comments

RestoringRuleOfLawManufacturedHousingRegulationDailyBusinessNewsMHProNews550

The rule of law, and the supremacy of law over the arbitrary whims of individuals who happen to wield government power, was a profound concern for the founders who debated and developed the Constitution of the United States. For over two centuries, legal scholars have pointed to the primacy of the “rule of law” in the system of limited government and defined powers established by the Constitution, stating, for example: “The rule of law may be the most significant and influential accomplishment of Western constitutional thinking. The very meaning and structure of our Constitution embody this principle. Nowhere expressed yet evident throughout the Constitution, this bedrock concept is the first principle on which the American legal and political system was built.”

   Mark Weiss, J.D., President and CEO of the Manufactured Housing Association for Regulatory Reform (MHARR).

 

 

MarkWeissJDPresidentCEOManufacturedHousingAssocRegulatoryReformDailyBusinessNewsMHProNewsFor too long, though, the rule of law, as envisioned by the nation’s founders, has been undermined, ignored, or bypassed by the so-called “Fourth Branch” of government – the permanent, overgrown and largely unaccountable bureaucracy that has ballooned within the federal government, often in concert with overpaid and largely unaccountable government contractors,” said Weiss in a MHARR release to the Daily Business News. 

While this is a major socio-political issue with ramifications that extend far beyond the scope of this column, federally-regulated manufactured housing faces challenges of its own regarding the rule of law, and with a new Administration – with a new regulatory philosophy — now in place, there is no time like the present to clearly address this issue within the unique context of manufactured housing regulation,” said Weiss.

In the manufactured housing arena, the most fundamental expression of the primacy of the rule of law is the Manufactured Housing Improvement Act of 2000,” Weiss said

It’s a theme that MHARR, and editorially MHProNews, have held for years. 

Indeed, the 2000 reform law is a direct outgrowth of – and a direct congressional response to and remedy for – administrative abuses that had piled-up within the federal manufactured housing program over the first quarter-century of its existence. These included, but by no means were limited to:

 

(1) de facto rulemaking by “interpretation;”

(2) circumventing, evading, or ignoring notice and comment requirements;

(3) abuses of the “Interpretive Bulletin” process;

(4) closed-door standards development activity;

(5) non-consensus standards development;

(6) contracting abuses resulting in a non-competitive, de facto “sole-source” program monitoring contract, the same monitoring contractor for the (now) entire 40-year-plus history of the program, and the delegation of governmental power to an unaccountable private entity; and

(7) activity to subvert the operation and objectivity of the former Manufactured Housing Advisory Council, and a host of other actions that undermined the basic fairness, reasonableness and, ultimately, legitimacy of the federal manufactured housing program.   

Weiss, an attorney known for being detail-oriented, got into the weeds in his analysis. 

He also commented on the “Deep State” style “subversion” of the HUD Code program. 

Just as importantly, through nearly every step of this decade-plus subversion of the 2000 reform law, “deep state” regulators at HUD have been aided and abetted by “institutional” program contractors – i.e., de facto sole-source contractors, such as the program monitoring contractor – which constitute a “deep state” of their very own, wielding unlawfully-delegated and largely unaccountable governmental power, together with a built-in incentive to continually expand both the scope and cost of regulation, thereby increasing their own power and influence and, not surprisingly, their contract revenues,” stated Weiss, adding that “This needless regulatory expansion, in itself, has excluded hundreds-of-thousands of Americans from the benefits of manufactured home ownership, based on studies conducted by the National Association of Home Builders (NAHB), and has unnecessarily slowed and stunted the industry’s recovery from its modern production low in 2009, disproportionately harming smaller industry businesses.  Nor does the industry itself escape part of the blame for this activity, as far too many of its largest corporate conglomerates – and their representatives — have provided protection and “cover” for the HUD status quo and program “leaders” who have gone to extraordinary lengths to undermine the most important elements of the 2000 reform law.” 

MostMenAppearnNeverConsideredWhatHouseIsNeedlesslyPoorAllTheirLivesHenryDavidThoreauManufacturedHomeLivingNews

For newcomers to the website not familiar with modern manufactured homes, learn more by clicking the image above or the link here.

The change in presidential administrations, however, has opened the door to potential remedies for this fundamentally lawless regulatory activity. In particular, the Trump Administration’s “top-to-bottom” review of HUD’s manufactured housing regulations and “regulatory activities,” under Executive Orders 13771 (“Reducing Regulation and Controlling Regulatory Costs”) and 13777 (“Enforcing the Regulatory Reform Agenda”) provides a viable basis for action to repeal both the 2010 HUD interpretive rule and the slew of “field guidance” and other sub-regulatory mandates issued by HUD based on the Department’s unlawful construction of section 604(b)(6),” wrote Weiss.    

And indeed, MHARR in its February 20, 2018 regulatory review comments to HUD, specifically urged the program to return to the rule of law, through the withdrawal of the 2010 interpretive rule and all of the program’s sub-regulatory mandates issued without MHCC consideration and notice and comment rulemaking.” 

This effort…received a major boost when the U.S. Department of Justice notified federal agencies, through memoranda issued on November 16, 2017 and January 25, 2018 that it would no longer enforce administrative “guidance” documents issued without notice and comment rulemaking.  In part, the Justice Department stated: “Guidance documents cannot create biding requirements that do not already exist by statute or regulation.  Accordingly … the [Justice] Department may not use its enforcement authority to effectively convert agency guidance documents into binding rules.  Likewise, Department litigators may not use noncompliance with guidance documents as a basis for proving violations of applicable law…” said MHARR’s president.

For the full, unedited MHARR release, please click here. “We Provide, You Decide.”  © ## (News, analysis, and commentary.)

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Related Reports:

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

 

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U.S. vs China, SCOTUS Pick, Biz Effects, and MH Market Updates

July 9th, 2018 No comments

CNNmoney7.9.2018ManufacturedHomeStocksMarketsReportsMHProNewsBefore diving into tonight’s feature, millions will tune in tonight to see who President Donald J. Trump will nominate to replace retiring Justice Anthony “Tony” Kennedy on the Supreme Court of the United States (SCOTUS). Some have speculated on a variety of supposed top contenders. An interesting op-ed by Senator Orin Hatch May provide a clue, when it uses the pronoun “she” to describe the pending nominee. 

According to the often-announced plan, sometime after 9 PM ET, the nation will know.

That said, beyond the data for today’s tracked manufactured home industry connected equities, the focus for tonight’s is what Fox Business called a “risky” trade war.

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.” ©

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

Selected headlines and bullets from CNN Money:

  • The product is banned in some cities. The company is valued at $2 billion
  • Sell tech: Morgan Stanley’s warning to investors
  • Disney set to nab 700 million viewers in India
  • Samsung goes big in India with ‘world’s largest mobile factory’
  • Is HBO the next Netflix?
  • Tencent Music could reach $30 billion valuation in US IPO
  • Inside Adidas’ vision for the future
  • Driving the Subaru 360, one of the worst cars ever sold in America
  • ‘Ant-Man and the Wasp’ marks Marvel’s 20th straight No. 1 opening
  • Tariffs cast a shadow as earnings season begins
  • US soybean farmers say China tariffs could result in ‘serious damage’
  • Chicken nuggets, avocados and whiskey. The trade war is making 1,300 products more expensive
  • 4 ways to make your workday more productive
  • What we lose when we let Trump’s tweets and insults take over the news
  • Winklevoss twins’ cryptocurrency firm hires NYSE executive
  • Sonos prepares to go public
  • ‘Ant-Man and the Wasp’ caps off Marvel’s blockbuster year
  • Uber and Lyft want to be about so much more than cars
  • Samsung’s run of record profits fizzles out
  • Having more control over your data doesn’t mean it’s safe
  • China says the US has started ‘the biggest trade war’ in history
  • Google’s eerily human phone bot is ready for the real world
  • Boeing’s hypersonic passenger plane could get you from New York to London in 2 hours
  • Boeing and Brazil’s Embraer form $4.75 billion commercial jet venture
  • The new Fox will be a sports and entertainment hub
  • MoviePass rolls out surge pricing
  • Another strong jobs report. Here’s why unemployment jumped
  • Mall vacancies hit six-year high
  • Trump calls journalists ‘bad people’ at rally a week after newsroom shooting
  • Is this the future of home renovation?
  • Amazon could radically change how you get prescriptions
  • These gadgets could transform the lives of visually impaired people
  • Jaguar Land Rover: Brexit threatens our plan to spend $100 billion in the UK

Selected headlines and bullets from Fox Business:

  • Trump rips Pfizer for raising drug prices
  • Winners and losers of Trump’s decision to halt ObamaCare payments
  • Stock rally continues following jobs report
  • The next recession: When, and why it will happen
  • Chinese customs clears some US goods as new tariffs take effect: sources
  • Amazon Prime Day 2018: How to score the best deals
  • Trump’s Supreme Court nominee will be ‘outstanding’: former clerk for Justice Scalia
  • Starbucks is officially going strawless
  • Twitter stock falls as company tackles fake accounts
  • This new game show will pay off your student loan debt
  • Economists understating US GDP
  • Will Elon Musk’s ‘kid submarine’ be used in Thai rescue?
  • War on straws: 5 eco-friendly alternatives to plastic
  • AT&T to overhaul HBO, add more original content: report
  • Trump feeds on the rage of opponents: Varney
  • Elvis, Beatles memorabilia items on display at Hard Rock
  • Twitter stock falls as company tackles fake accounts[overlay type]
  • Twitter stock falls as company tackles fake accounts
  • Why Advanced Micro Devices Stock Gained 59% So Far in 2018
  • How Pandora Media Inc. Shares Soared 63.5% Higher in the First Half of 2018
  • A solid first-quarter report was music to the ears of success-starved shareholders.

 

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

9MarketIndicatorsYahooFinance7.9.2018DailyBusinessNeawsManufacturedHousingIndustryStocksMarketsReportsDataMHProNews

Manufactured Housing Composite Value (MHCV)

YahooFinanceManufacturedHousingCompValue7.9.2018DailyBusinessNewsStocksMarketsDataReportsMHProNews

 

Today’s Big Movers

For all the scores and highlights on tracked manufactured home connected stocks today, see thBloomberg graphic, posted below.

Today’s MH Market Spotlight Report –

It may surprise some to learn that a third-party research found that Fox News is roughly a 50-50 split on coverage that is for-or-against the president and Trump Administration policies.

Seriously?

While many Fox News and Fox Business hosts are pro-POTUS Trump, not all are.

Further, many of the shows feature panel discussion, where they bring in Democratic, or so-called RINO, and “never Trump” backers.

 

The video above is an example of a report that is largely negative about the Trump trade gambit. It isn’t until the very end of the video that you get a sense of why the president is taking this tactic in the first place.

The interview with Forbes’ Steve Forbes is also tentative about the issue of trade.

But there are voices in the business world that think that this is precisely the right strategy, and it is the right time, because there is a nice cushion fueled by more jobs, rising wages, lower taxes, more common sense regulations and the like.

Time will tell.  But as Marty Lavin, or CNBC’s Cramer have observed, the time is right for this battle. If not now, when will the U.S. stand up to China’s theft of intellectual property, or other problematic trade practices?

USChinaTradeWarManufacturedHousingIndustryDailyBusinessNewsMHproNews

Bloomberg Closing Ticker for MHProNews…

NOTE: The chart below includes the Canadian stock, ECN, which purchased Triad Financial Services.

NOTE: The chart below covers a number of stocks NOT reflected in the Yahoo MHCV, shown above.

NOTE: Drew changed its name and trading symbol at the end of 2016 to Lippert (LCII).

7.9.2018DailyBusinessNewsManufacturedHousingConnectedMarketReportsBloombergMHProNews

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

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

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

Your link to 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 and commentary.)

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Submitted by Soheyla Kovach to the Daily Business News for MHProNews.com.

 

“Unconstitutional Taking,” “Gentrification on Trial” in Recent Oak Hill Manufactured Home Community Ruling

July 9th, 2018 No comments

 

UnconstitutionalTakingGentrificationOnTrialRecentOakHillManufacturedHomeCommunityWik8RulingDailyBusinessNewsMHProNews

Easy doesn’t pay well.”

– John Bostick, Sunshine Homes

 

In this present crisis, government is not the solution to our problem; government is the problem. From time to time we’ve been tempted to believe that society has become too complex to be managed by self-rule, that government by an elite group is superior to government for, by, and of the people. Well, if no one among us is capable of governing himself, then who among us has the capacity to govern someone else? All of us together, in and out of government, must bear the burden. The solutions we seek must be equitable, with no one group singled out to pay a higher price.”

– Ronald Reagan, Presidential Inaugural Address, Jan 20,1981.  

 

The Oak Hill Mobile Home Park in Iowa had been in Mark Ogden´s family for four decades before it ran into trouble with city authorities, who tried to have it shut it down, citing zoning violations,” said the Thomson Reuters Foundation to the Daily Business News via a news release dated July 5, 2018. 

The long struggle with city officials began in 2014.

AttorneyJamesENervigBrickGengryPCPhotoOgdenOakHillCommunityCaseManufacturedHOusingIndustryDailyBusinessNewsMHProNewsThat set up a legal battle between Ogden and the city of Des Moines that finally reached the Iowa supreme court, where in March, seven judges unanimously found in his favor.”

This case placed gentrification on trial for the first time,” said Ogden’s attorney James E. Nervig.

The Ogden decision is the first time to my knowledge that an appellate court invalidated a governmental plan to use a sham safety purpose as a means to further gentrification by elimination of an entire neighborhood of unsightly homes,” stated Ogden’s attorney Nervig, per Reuters’  charitable arm, in a column by Carey L. Biron, with editing by Claire Cozens. 

Des Moines city attorney Jeffrey D. Lester expressed disappointment over the ruling,”  stated Biron, “but rejected the charge the city took CareyLBironPhotoThompsonReutersFoundationDailyBusinessNewsMHProNewsaction with the aim of shutting down Oak Hill to make way for new development as “absurd and without any foundation.

 

Illicit War on Private Property, and on Affordable Housing? 

Court documents show the ruling was based on the zoning legalities of the park and did not take broader planning issues in account,” stated Biron.

Nonetheless, Ogden said it had been met with relief from other park1 [sic] owners who feared they could be the next target of city authorities,” read their release, which had a number of regrettably common terminology errors, such as the improper use of the word “trailer.”

TrailerHouseMobileHomeManufacturedHomeFactoryBuiltHousingEvolution101MHProNews-MHLivingNews

Make a habit of using the correct terminology, it matters.

 

He said there were 30 families living on the site when the city first ordered its closure in 2014, all on low incomes and with nowhere else to go in a city with long waiting lists for government-subsidized affordable housing.” 

Mobile homes, or trailers,1 have grown in popularity in the United States in recent years due to a shortage of affordable housing, but have so far received little government support,” stated Biron.

Indeed, the industry accuses authorities of using zoning laws to try to shut down unsightly trailer parks1 to make room for new housing developments – a charge they deny,” Biron wrote.  

OakHillMobileHomeParkMobileHomeManufacturedHomeINdustryDailyBusinessNewsMHProNews

Original photo, Thompson Reuters Foundation. comments from MHProNews.com. To see full size photo, click here.

Brion’s theme, while marked by numerous nomenclature mistakes1, is an important one to manufactured home professionals, and for affordable housing advocates. It echoes several aspects of years of reports by MHLivingNews or MHProNews.

Reprieve in Community Closure Collision, Another Round Ahead?

A possible recent example that could be offered is the case in Schofield, WI, linked above. But there are several variations of this troubling trend.  Others in the industry who are facing such scenarios, in the light of the Ogden ruling, may find some useful insights.  The linked articles can be read later for increased understanding.

Manufactured Home Community Owners Lost Troubling Creekside Appeals Case

They (local authorities) are just trying to get rid of all the old and want all the new,” Ogden’s attorney said.

 

Court Document Downloads 

A download of the court document on this highly charged issue are linked below. It is from court documents that the “unconstitutional taking” quote in the headline is found.

SupremeCourtofIowaCityofDesMoinesIowaAppelleVMarkOgdenAppelantNo.16-1080DecidedMarch162018

Click here or the image above to get the download of the ruling.

Burton’s report weaves three outside groups into the Reuter’s narrative.

  Prosperity Now, citing Doug Ryan,

  ROC USA, naming Paul Bradley, and

  the Manufactured Housing Institute (MHI), with no specified person quoted.

Ryan and Bradley are quoted extensively, but MHI is limited to the following; “The Manufactured Housing Institute (MHI), an industry group, says there is a growing trend of municipalities trying to use zoning and other land use regulations “to restrict or eliminate manufactured housing in their jurisdiction,” wrote Biron.

While MHI is recently making some attempt at influencing the legal battle over such local issues, they have debatably eschewed perhaps their best option.

That possible approach? Consistently arguing the issues with HUD and local jurisdictions, and asking HUD to intervene on the basis of laws such as the enhanced preemption found in the Manufactured Housing Improvement Act of 2000 (MHIA).  

In the recent Washington Post report on HUD, it was revealed that MHI’s Vice President Lesli Gooch admitted that they took no position on having Pam Danner removed as administrator over the manufactured housing program office. That admission by Gooch is a wake-up call for independent retailers and communities nationally, who’ve complained for years about HUDs overreach, as well as their failures to enforce enhanced preemption.  Gooch/MHI and  MHARR quotes by the Washington Post are found in the article linked below.

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

Those issues about home placement and zoning are largely post-production issues, and would normally fall to a trade group. Trade associations would normally be arguing on behalf of their industry members. But as prominent MHI member Frank Rolfe observed, MHI is often silent on issues good or bad for the industry. Why? 

MHI award winner Marty Lavin told MHProNews that they only work on behalf of the “big boy” members.

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

Sam Zell, who’s Equity LifeStyle Properties (ELS) is a giant in the MH community sector, made the common sense observation last year that heavy regulatory burdens leads to consolidations.

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

Larger firms are better able to deal with heavy burdens. That helps explain why Warren Buffet, who is chairman of Berkshire Hathaway, has favored candidates like Barack Obama and Hillary Clinton. President Obama and Secretary Clinton both supported heavy regulatory regimes, that harmed the interests smaller companies, as well as consumers.

The pattern of failing to successfully advance the interests of community owners is precisely why two state level communities associations broke with MHI last year. They are now launching a new national communities post-production association this year.

New Manufactured Home Industry National Association Related Statements

MHARR – the Manufactured Housing Association for Regulatory Reform, which represents the interests of the independent producers of HUD Code manufactured homes – has for years promoted the need for more effective post-production representation.  

MHARR was revealed by the Washington Post as the industry’s unsung hero in having Pam Danner removed at HUD from her role as the administrator of the Office of Manufactured Housing Programs (OMHP).

While on paper both MHI and MHARR supported Vic DeRose for that OMHP administrator role, it was reportedly an MHI staffer that gave Danner the assist at getting her in at OMHP.  

MHI’s own President, Richard “Dick” Jennison made that admission to select industry members about an MHI VP that helped get Danner her role. Some of those sources so informed MHProNews, and which this publication confirmed at that time with Jennison.

But Jennison was told then by the ‘powers that be’ to “stand down,” per Daily Business News sources, from taking any action about that MHI VP who assisted at getting Danner in at HUD.

Why?

Whatever Jennison’s bosses motivations may have been, the net result is that MHI has years of history as posturing one thing, but often tacitly allowing or doing something entirely different. That comes from numerous industry sources, including those who are or were part of MHI, some of whom held division board member roles.

Only 3 Options – the Elephant in the Room

Let’s make the point about MHI simply. 

  • Where are the amicus briefs by MHI in cases like Ogden?  
  • Why is it only after the Daily Business News exposed the fact multiple times that MHI had failed to contact the CFPB after Mick Mulvaney took the helm there, that MHI finally began asking their members a few weeks ago to write for regulatory relief?

CFPB’s Mick Mulvaney Offers Yet Another Gift to MHVille

While Prosperity Now has years of a mixed pro-MH, but often anti-community owners agenda, at least Doug Ryan and their organization are consistent.

ChrisStinebertManufacturedHousingInstituteMHIPresidentCreditTheJournalManufacturedHomeProfessionalNewsMHProNewsMHI’s own prior president, Chris Stinebert used his exiting article to politely take the Arlington, VA based trade group to task for failing to take necessary steps on lending and other key issues. Troubling evidence like this makes it difficult for MHi to deny their own history. 

These are the sorts of ‘inside baseball’ insights that mainstream reports are unlikely to know, absent input from a consistent source, such as MHARR.

Even the steps that MHI has taken in recent months on the communities front have only occurred after years of pressure from communities owners, professionals, including this trade publication. The balance of MHVille’s trade media, while they may present useful insights on specific topics, routinely fail to hold MHI accountable for their repeated patterns of arguably problematic behavior. 

Instead, in just the past two weeks, a long-time industry blogger took MHARR to task for pressing for more post-production efforts. Where’s the logic or consistency in that source, which has waffled for years between praising and condemning MHI?

 

ManufacturedHousingIndustryMonopoly-Oligarchy-GeorgeAllen-PostedDailyBusinessNewsManufacturedHousingIndustryMHProNews-

George Allen, has a modest following today, which once used to be a large following. As a former client of his told MHProNews, with George “It’s AAA, All About Allen.” If someone is doing good, and Allen’s not somehow in the mix, sources say it is not uncommon for Allen to attempt to undermine that source.  Allen has done some noteworthy things, and is an example of why a wheat and chaff  approach is needed by MH industry professionals. In the 3 quotes from his blog shown above, Allen, without mentioning MHARR, is parroting their position, while attacking MHI’s. Allen has privately thanked MHARR, per an email circulated to a few of his followers, and forwarded by one to MHProNews.  But publicly, Allen is said to “play the game” of seeking to undermine MHARR’s important efforts. MHARR is a producer’s trade boy, and thus focuses on protecting their interests from within the industry and from outside parties too. Much of what MHARR does, such as the removal of Danner, benefits the industry at large. The best they can practically do is more of the same, while encouraging the creation of new, post production trade bodies.

Isn’t that calling the kettle black, when Allen and Roane are also defending community owner Tom Lackey, who generated significant negative media for the industry?  Isn’t that especially troubling, when Lackey still sits on the SECO board today, per their website?

Allenites and Roane supporters are quick to say that they’ve both done good things. No doubt. But shouldn’t Allen and Roane clean up their own mess, before he taunts MHARR for de facto doing good for Allen and Roane’s own followers?

Where was Allen and Roane’s amicus briefs in the Ogden case? Don’t they claim to have a quasi-associations?

Talk can be cheap.

George Allen Reply to Mainstream Media re: Roane/Lackey/SECO Exposé, Plus MHI, MHARR, et al – “Make Manufactured Housing Great Again”

In the wake of challenges and scandals, a MHI member leader recently reminded MHProNews of the importance of accurate, vs weaponized reporting and analysis. He did so in a note of thanks. So while some jeers come this way, often from those closely aligned with MHI or Allen, the fact that more thank MHProNews, and read MHProNews than all others combined should speak volumes.

 

The MHC and Industry Takeaways from the Ogden Case?

Ogden exemplifies the truths that the quote at the top from President Ronald Reagan and Sunshine Homes’ John Bostick respectively said.  

Des Moines is but one of hundreds of local jurisdictions that fail to respect and appreciate the value of manufactured homes, and the work that thousands of land-lease communities that provide affordable unsubsidized living for millions of Americans.  

Based upon local reports, Ogden also is a cautionary tale. When a community fails to maintain standards of appearance or safety, it opens itself up to the kinds of actions that Des Moines undertook. That observation doesn’t justify that Iowa city’s posture and tactics, nor that of numerous others like Des Moines have taken from coast to coast.

But it is a practical reminder that savvy standards in a MH community’s “guidelines for living” ought to be prudently established and enforced. That would likely have made Ogden’s travails easier.

The case also reminds us that government at all levels – local, state, and federal – requires routine engagement. When professionals say, they hate politics or economic issues, and they cede the field to others, the outcome is often detrimental to thousands of members of our industry.

The words of President Reagan at the top should be a plaque in every office in America. 

There is an ongoing need for a new, post-production association that supplants what MHI does for small-to-mid-sized operations if or only when pressed, per several of their own past or present members.

Reality checks on the Ogden case could be mined for years of useful, practical lessons. It is no doubt useful for Iowa community owners, but it also provides helpful insights for those in all other states too. “We Provide, You Decide.” © ## (News, analysis, and commentary.)

(Third party images are provided under fair use guidelines.)  Footnote: 1 Terminology error is in the original.

Related Reports:

Hundreds of New Manufactured Home Communities Opened, But How Many Have Closed? Industry Research Result$

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

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

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

July 5th, 2018 No comments

RichardGenzWhyAdvocatesNeedRethinkManufacturedHomeQualityHarvardGSEHighSatisfactionDailyBusinessNewsMHProNews

There are those who slam manufactured housing as being less expensive due to inferior quality. But a “Harvard study refutes that, labeling as “exaggerated” the “concerns about the difference between manufactured homes…and [homes] built to applicable local building codes” (Vermeer and Louie 1995, section IV, 2). The study found that code standards have little to do with manufactured housing’s price advantage.”

 

So wrote Richard Genz in a 22 page research report on manufactured homes for a foundation for a Government Sponsored Enterprise (GSE).

The document also stated that:

Housing advocates might find it surprising to walk through a couple of new homes at a dealer’s lot, keeping the monthly payment in mind and mentally comparing the local rental stock available for the same price. Interiors have good light. Insulation standards are solid. Floor plans have come a long way from the time when residents said that living in a mobile home was like living in a hallway.”

RichardGenzManufacturedHousingIndustryDailyBusinessNewsMHproNewsWhy take a flashback look now at the 2001 report by Richard Genz for Housing & Community Insight?

Because the report was done for the Fannie Mae Foundation.

It cited sources such as Harvard, Foremost Insurance – plus other third-party, often peer-reviewed – researchers.

While some of the data points have shifted since Genz penned them, it has generally been improvements in the manufactured home product quality, as the Manufactured Housing Improvement Act of 2000 standards have fully kicked in since Genz published his insightful work.

It’s equally valid to review this now, given the arguable short-shrift Fannie Mae has been giving to the legally mandated Duty to Serve (DTS) implementation. Compare what Genz said then, vs. what Sarah Edelman recently wrote. That linked report below, which includes Edelman’s article for Fannie Mae, can be read later for greater depth of understanding.

“Take the MH Advantage Challenge – Can You Tell the Difference?” Fisk of Sarah Edelman, Director of Duty to Serve, Single-Family Mortgage Business for Fannie Mae

Further, because the HUD Code and new home standards keep improving, what was true when Genz said it back then, is arguably as or more accurate now.

NewDurhamEstatesSouthManufacturedHomeLivingNewsDailyBusinessNewsMHProNEws

That said, the analysis that follows notes that while Genz often praised manufactured homes, he did not turn a blind eye to problems then existing in the industry. That too will be reviewed herein, because manufactured housing cleaned up key issues that Genz identified.

So, while the total numbers of residents and manufactured homes has grown since his report, and pricing has obviously changed, the percentage of savings remains the same. Then and now, the United States Census Bureau has noted consistently similar levels of statistical savings for decades.

SunCommunitiesSUI-InvestorPage11ManufacturedHomeVsSingleFamilyHousingManufacturedHomeCommunitiesIndustryDailyBusinessNewsMHProNews600

Graphic, data, per Sun Communities (SUI).

Thus for a variety of reasons, Genz’s 22 page document merit the careful consideration of the manufactured home industry’s:

  • professionals,
  • advocates,
  • public policy pros,
  • politicos,
  • and investors careful consideration.
SunCommunitiesSUI-InvestorPageComparetoMultiFamilyHousing10ManufacturedHomeCommunitiesIndustryDailyBusinessNewsMHProNews600

Graphic, data, per publicly-traded Sun Communities (SUI).  Note that Sun’s rental rates may be higher than some others in the industry..

With that introduction, the Daily Business News will review and analyze key highlights of what Genz unearthed.

It’s a potentially multiple billions of dollars worth of housing insights. Thus it’s a potentially rewarding, and highly insightful, reading experience.  As you read this analysis of Genz, keep the points previously shared in the report below in mind, which can be read or reviewed later for related insights.

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

 

Stigma and Manufactured Homes

Genz goes after the stigma attached to manufactured homes and their owners early, and often.

Here’s an example.

There is a palpable stigma attached to manufactured homes, dating back to when workers towing trailers moved from city to city, chasing jobs and crowding into muddy, unsanitary trailer parks… However, these serious shortcomings [in public policies, perceptions] are not inherent in the factory-built home itself. Rather, they are the product of laws, policy choices, and business practices that are selling millions of people short.”

Genz notes that while values weren’t the same, he explains that it was because of reasons not connected with the homes themselves.

That’s arguably a valid point then, and now.

The Fannie Mae Foundation researcher also noted that the net worth of manufactured home owners was dramatically higher – even then – than the $5,000 renting households average worth now have, per data cited repeatedly by HUD Secretary Ben Carson last year.

Median net worth is $59,000 for owners of manufactured homes, compared with $102,000 for all homeowners.”

Rephrasing that as a takeaway.  Those who own a manufactured home enjoy a significant improvement in their collective standard of living.  That’s a point that advocates like ROC USA, Prosperity Now (formerly known as CFED), or this trade publisher have often made.

Genz notes another point that MHLivingNews and MHProNews has hammered home repeatedly. It’s this.

One of the industry’s strong points is its appeal to distinctly different market segments. Owners tend to be either very young or elderly (Vermeer and Louie 1995). Although most buyers have low incomes, one segment of the market is quite well off: About 10 percent of manufactured home residents report a net worth of more than $250,000, and another 19 percent are worth more than $100,000 (Foremost Insurance Group 1999).”

Genz added to that point above, “Many of the owners with high net worth live in well- planned subdivision-style communities with recreation centers, pools, and even golf courses. These high-end communities demonstrate the potential of factory-built homes, but also represent a continuing shift away from the industry’s original focus on serving the affordable housing market.”

 

tristar-estates-bourbonnais-il-CreditMHC-MD-com, posted MHPorNews.com.

Arial photo credit, TriStar Estate, credit MHC-MD.com. Note that all of the illustrations shown were provided by MHProNews, not the original document written by Genz.

Stated differently, he makes sure that his readers know that manufactured homes are not just housing for the poor, or those who have no other options.

It’s a key factoid that some in the industry’s association world need to take notice of, and perhaps now will begin to do so?

Despite wide-spread perceptions of low quality and short life, Consumer Reports says that “manufactured housing can last as long as site-built housing,” (“Manufactured Housing ” 1998, 30).”

Readers should keep in mind that the improvements mandated by the industry-sought Manufactured Housing Improvement Act of 2000 (MHIA). So whatever concerns were noted then about installation have since been dealt with.

Industry professionals, policy wonks, officials, and advocates should note that it was the Manufactured Housing Association for Regulatory Reform (MHARR) that led-the-charge for the MHIA 2000. They did so by aligning the Texas Manufactured Housing Association’s leadership, and then finally found a change in leadership at the Manufactured Housing Institute (MHI) they could work with. That permitted the three to then advance the MHIA through Congress, per our sources.

That segue noted, the review of Genz’s fertile work continues.

Fresh, new, private living space; easy shopping and financing; adequate quality; and homeownership now add up to a powerful appeal, and with a little reflection, it becomes easier to see why manufactured homes have been chosen by an average of 29 percent of new home buyers every year since 1980 (Manufactured Housing Institute 2001).”

MostMenAppearnNeverConsideredWhatHouseIsNeedlesslyPoorAllTheirLivesHenryDavidThoreauManufacturedHomeLivingNews

For newcomers to this website, or otherwise not familiar with modern manufactured homes, you can learn more by clicking the image above or the link here.

That was debatably the Manufactured Housing Institute (MHI) that was, prior to the power being exercised over the Arlington, VA based trade group by Berkshire Hathaway acquired Clayton Homes in 2003. Their related lenders were acquired too, as were several other industry connected suppliers and other firms since.

Instead of MHI’s allegedly weaponized ‘research’ and maneuvers to promote a controversial, “new class of homes,” and the like – why hasn’t MHI provided encouragement for more such independent study as Genz did?

Or why does MHI fail to publicly mine such useful research today?

Those questions noted, continuing with the Genz’s analysis, there are far more gems to discover.  They are potentially as useful now as then.

 

Not Enough Advocacy, Said Genz

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Richard Genz.

Some consumer advocacy is taking place, but not much in view of the scale of the manufactured housing sector. Government, nonprofit, and philanthropic involvement is strikingly less than in the world of “real homes.”

When one ponders the foot-dragging by the GSEs, apparently brooked by the FHFA, this quote is also noteworthy: “…a majority of buyers have held the same job for 5 to 10 years, a Freddie Mac economist notes that “except for lower incomes, the profile of manufactured home buyers seeking financing does not appear to differ greatly from site-built loan borrowers” (Bradley 1997, 4).

Note that in a systematic fashion, Genz cited his third-party, often peer-reviewed sources. Again, as the Daily Business News analysis above noted, much of what has changed since 2001 have been equally well documented improvements.

So the case made by Genz is still useful.  It is also historic.

Genz provides an independent yardstick to see what the industry’s ‘leaders’ have or have not done.

 

Identifying Valid Concerns

For those who never knew or witnessed sellers loading up customers with years of insurance or credit life, etc. the next quote will be a dose of reality.

For those pros who will recall, it’s a blast-from-the-past that explains some of the stiff losses by the subprime lenders of that era. “[manufactured housing] retailers can and frequently do earn commissions, rebates, or other payments on loan originations, credit life insurance, property insurance, and other services arranged for at the time the loan is closed” (HUD and NAHB 2000, 41).”

That was then, not now. Thus the report by Genz isn’t all glowing, as he takes on some industry practices in lending, some that apparently had a level of MHI support.

Rephrased, this researcher for Fannie didn’t mind questioning MHI.

By contrast today, Fannie and MHI seem to be “playing footsie,” according to several sources in MHI.

Among the examples that have been cited by those sources, MHARR and others, is that Fannie is now a MHI member. Furthermore, Fannie and MHI have reportedly held closed door meetings, without producing for the public those meeting minutes.

What’s there to hide?

Fannie Mae Touts MH Advantage Program, But Manufactured Housing Association Slams Plan as “Illegitimate,” “Bait and Switch”

 

GSE Commitment Canceled?

As recently as last week, Sarah Edelman, Director of Duty to Serve, Single-Family Mortgage Business at Fannie Mae and others there respectfully declined to provide minutes or any explanation of such meetings with MHI, in inquiries by this publication to the federally regulated mortgage giant.

Note that a communications team member committed to MHProNews that Edelman would answer several questions on-the-record.

Those promised replies to several specific inquiries were later delayed. Finally, the same communications team member at Fannie said they were not going to answer the questions asked.

Why not?

So much for transparency at Fannie today?

It is also worth mentioning for later review that House Financial Services Committee Chairman Jeb Hensarling has told MHProNews via a statement that he has serious concerns about lobbying by the GSE.  If so, that’s important because it would be in contravention to federal law while they are in receivership under FHFA. That related report can be reviewed later, and is linked below.

Update on Fannie Mae Lobbying, and Manufactured Housing Controversy

 

How Many Pre-HUD Code Mobile Homes?

Back to the research by Genz, he stated then that nearly 3 million pre-HUD Code mobile homes were still in service.

According to Gentz, “As many as 3 million homes in the nation’s current manufactured housing inventory were built be- fore the implementation of the HUD building code in 1976, when some homes had a useful life as short as 10 years (Meeks 1995; Vermeer and Louie 1995). Many of these were built in the boom years of 1968 through 1973, when 2.7 million new homes were sold.”

TrailerHouseMobileHomeManufacturedHomeFactoryBuiltHousingEvolution101MHProNews-MHLivingNews

Make a habit of using the correct terminology.

Once more an aside is warranted. Because the data that Genz cited demonstrates that the Rollohome experience was not a one-off.

What occurred during the Rollohome era in terms of the rapid ramp up and production of more factory built housing pre-HUD Code could arguably be done today too.

Rollohome, Creating 60,000 Factory-Built Homes in 2 Years

Investors, public officials, advocates, and industry pros? Are you seeing how enormous the manufactured housing industry’s potential is? This is a theme that MHProNews and MHARR have said for years can be accomplished, because it has in fact already been previously proven to be doable.

Given the correct support, the 8.3 million housing unit shortages cited by Lawrence Yun at the National Association of Realtors (NAR) could rapidly be corrected. But if HUD Code producers don’t step up to the plate more seriously, other prefab builders cited at the end of this report have already said that they will.

Potentially tens to hundreds of billions of dollars in business annually is up for grabs.

Once more, it is almost inescapable how these facts point to what award-winning independent retailer Alan Amy said. Manufactured Housing could be the future, which is why he and others have said that the billionaires are gobbling up the industry’s assets.


Ouch, and another Ouch, but then…

Regarding gains or losses in value, “…Consumers Union reports that two-thirds of units depreciate. However, the converse is that one-third of manufactured homes have held their value or appreciated (“Manufactured Housing” 1998). Several other studies establish the simple fact that some manufactured homes increase in value, and some decline.

But Genz uses logic akin to what MHProNews has utilized, noting that “Research is needed to sort out the factors that cause values to go up or down. With better information, policies and practices that build wealth for owners of manufactured homes can be designed.

In fact, Genz has outlined several of the causes of a loss in value. He also suggested some of the keys to supporting value, like no more credit life or others previously noted.

Thus, the initial groundwork for more appreciation – which even the problematic Urban Institute report noted by the Daily Business News said is already underway – is now largely in place.

Rephrased, there are no valid reasons for the GSEs to slow-walk implementation of robust yet sustainable chattel and other manufactured home lending. There is no need for yet another apparent dodge, this time in the form of a MHI’s questionable “new class of homes.”

Secretive “NEW” Class of Manufactured Housing Raises Serious Concerns

So in retrospect, what Genz laid out was this.

marty-lavin-jd-manufacturedhomefinanceexpert-DailyBusinessNews-mhpronews

Marty Lavin, JD.

When insurance is loaded up on a contract at the time of sale, or prices may vary 5k-10k per identical homes in the same market, the natural outcome is those homes ‘lost’ value. That’s similar to concerns that MHI award winner Marty Lavin raised for years.

But it must also be noted that Lavin said in a video interview with MHProNews that the industry cleaned up that act.

So once more, the rationale for slow-walking the potentially robust GSE entry into manufactured housing is missing.

Quite the opposite exists. Genz gave a veritable road map of why and how manufactured housing lending could and should be done successfully in ways that are as sustainable, as Titus Dare exclusively encouraged in statements to MHProNews.

So those abuses Genz reported then were wrenched from the chattel lending system by the lenders who remained in the market during the post-Conseco/GreenTree meltdown.

Rephrased, as Lavin noted, the remaining marketplace lenders corrected the issues.

Said Genz, “The accurate answer to the question “Can manufactured homes appreciate?” seems to be “It depends.” Like the value of any home, the value of a manufactured home over time is contingent on many factors. Unfortunately, the perception that depreciation is somehow inherent in manufactured homes is widespread. It is at the root of disinterest about them among development bankers, advocates, planners, and nonprofit developers. These professionals are rightly concerned that housing should be a foundation for building wealth, but if advocates simply write off the preference of so many home buyers for lower-cost manufactured units, we passively contribute to a problem we should be helping to solve. Available data suggest that depreciation is not a mystery. It can be understood and, in many cases, reversed.”

What Genz did was argue that the industry could reverse much of its image and fortunes.

Make some common sense changes, and much could be done.

More than 8 out of 10 manufactured homes placed in 1998 were titled as personal property, or chattel (U.S. Bureau of the Census 1998).” That number is similar today.

Genz buys into the argument made by those who want to reclassify manufactured homes, forcing all to be real estate loans. That’s a non-starter for most lenders in the industry. It is an example of how the “wheat and chaff” approach must be used with any person, or any organization.

That said, he next makes another point similar to what Marty Lavin has made.

Discriminatory treatment of manufactured home residents flows from the unexamined matrix of law, finance, taxation, land use regulation, and custom within which manufactured housing exists.”

Lavin put it more bluntly, by calling the HUD Code “a discrimination code.”

But discrimination – past or present – could be a motivation in urging industry pros to act for change in the future.

That said, what exists today are policies that can include “…many tax systems automatically depreciate manufactured homes like vehicles, regardless of their actual market value. This practice worsens the budget drain.”

Genz demonstrates how a simple change of mind can yield positive change.

Recognizing the real character of manufactured housing contributes to the asset base of an entire community. For example, the tax assessor of Henderson County, NC, decided to begin taking manufactured homes seriously in the early 1990s. Once values were established, the assessor determined that the use of depreciation schedules had systematically undervalued this stock of residential property. The result was a $53 million increase in the tax rolls over two years,” Genz said.

Then he stated a point routinely made by MHLivingNews and MHProNews. How education by that North Carolina county and discipline in the proper use of terminology could yield positive changes measurable in dollars and cents.

They [local officials] repeatedly had to explain to concerned taxpayers that a “trailer” is something you haul around behind a vehicle and that their increased valuation was based on the actual market value of a home that happened to have been built in a factory.”

Today, there are numerous studies that demonstrate that manufactured homes can and do appreciate for the same reasons as conventional housing. But the way to accomplish that isn’t by creating a problematic, unnecessary, and controversial “new class of homes” promoted by MHI.

Rather, an important part of the industry’s potential progress is achieved by education of consumers on existing homes.

 

 

That education comes in part by speaking with those who know on camera.

Education also can obviously be accomplished in part by engaging the mainstream media.

Retiring MHI Ann Parman previously praised MHProNews publisher L. A. “Tony” Kovach for promoting that plan. But as numerous industry members – like Frank Rolfe, who previously blasted MHI for not properly engaging the media – know, MHI has allowed most slurs, miscues, and errors that slight manufactured housing to go unaddressed.

Rephrased, the facts and legitimate third-party research needed to successfully promote the manufactured home industry are available.

While the Arlington, VA based trade group has done problematic advertorials – which have at times cited ‘facts’ that other MHI ‘data’ contradicts – has posted a few lightly viewed items to YouTube, or social media, there’s been no discernible, systematic and robust effort by them to defend and/or promote the industry as needed.

MHI member MHVillage’s own data proves just how ineffective the efforts to date are.

2018-06-22_0521ConversionRatiosPerMHVillageLogoManufacturedHousingIndustryDailyBusinessNewsMHProNews600

Data per MHVillage, collage by MHProNews. 

So it is little wonder that a pair of state associations broke away from MHI, and have announced they are forming a new post-production association.

Rephrased, there is a growing body of evidence and numbers of industry voices that in various ways have alleged that MHI is debatably blowing it for the small to mid-sized operations that make numbers of that trade group’s members.

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

As attorney Lavin succinctly put it in the report linked above, the big boys work for the interests of the rest of the industry only to the extent that it benefits the big boys.

 

Genz Makes the Case Concerned Industry Voices Have Advocated

Said the Fannie Mae Foundation’s researcher Genz. “Low- and moderate-income people should not be left to learn about asset-building and the meaning of homeownership from their tax assessor. The protests from mobile home dwellers confirm what our housing system has inculcated in them: that their housing is a depreciating asset, like a vehicle. How many buyers of conventional homes would trade a lower annual property tax bill for depreciating home value?


As a Deer Valley Homes sales manager James McGee, and their current president, Chet Murphree said, “It’s all about education.” as they and others praised the work done here and on MHProNews to educate.

Meanwhile, sources and evidence suggest that MHI, their surrogates and masters, have arguably sought to stymie the education necessary for the industry’s robust growth.

Why?

Warren Buffet has arguably given the correct answer. He likes a bargain.

Best Warren Buffett, Kevin Clayton, Clayton Homes, Berkshire Hathaway Annual Meeting, Competition, and “the Moat” Video Collection

By choking off other sources of lending, and limiting the capital flow into the industry, Buffet’s Berkshire Hathaway has gobbled up large chunks of the industry.

ClaytonHomesOakwoodHomesBerkshireHathawayMarketShareofManufacturedHousingEndof2003DailyBuisnessNewsMHanufacturedHousingIndustryProNews

MHI’s President Richard “Dick” Jennison, and others there or working for Berkshire Hathaway units have declined or ducked public discussion and debate on such vexing questions.

ClaytonHomesSkylineChampionCavcoIndustriesBalanceofIndustryManufacturedHousingIndustryConsolidationGraphicPieChartMHProNews

Graphic by MHProNews, using information provided by each corporation, or named entities.

Isn’t that a kind of tacit admission that these published concerns are valid?

When The Daily Business News has given repeated opportunities for MHI or Berkshire brands to respond publicly, why have they instead remained silent?

21stMortgageCorpLogoLetterheadJan302009TimWilliamsRetailersBrokersCutSpecifiedLendingMonopolisticPloyConcernManufacturedHomeDailyBusinessNewsMHProNews

This document was provided as a news tip to MHProNews. To see the related video with Kevin Clayton, click to read and view – Smoking Gun 3

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

 

Genz’s Finale “Conclusion”

Clearing up misperceptions about manufactured housing and addressing the problems of buyers, owners, and renters should be the first priority for advocates. On a separate front, it should be possible to incorporate the cost advantages of manufactured homes into nonprofit housing developments (Wallis 1991). If stereotypes can be overcome, the nonprofit development community could eventually help reinvent manufactured homes as quality, wealth-building, affordable housing.

The report said that author “Richard Genz is Principal of Housing & Community Insight and a Project Manager with ICF Consulting, Inc.”

Genz’s report was written for the Fannie Mae Foundation.  The entire document is available as a download, linked here.

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Related Reports:

Manufactured Home Owners – Satisfaction Survey Redux

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

 

Clayton Homes, Top 25 Manufactured Housing Industry Report, Trend Lines

 

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SoheylaKovachDailyBusinessNewsMHProNewsMHLivingNewsSubmitted by Soheyla Kovach to the Daily Business News for MHProNews.com. Soheyla is a managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

The Fourth of July is not about Barbecues, or Fireworks, It’s About This – Stossel

July 4th, 2018 No comments

 

4thofJulyNotAboutBBQsorFireworksItsAboutthisstosselDailyBusinessNewsMHProNews

We celebrate the Fourth of July because that’s the day the Declaration of Independence was signed, 242 years ago. You might call July 4 America’s birthday,” said Stossel in the Reason video posted below, and quoted on Fox News.

 

The Declaration didn’t just declare our independence from Britain; it vowed to create a government that respected all people’s rights to “life, liberty and the pursuit of happiness,” said Stossel.

America became great because the Declaration (and the Constitution that followed) set down rules that kept government small and out of the way,” stated the author and TV personality, Stossel,  “That [freedom from government] let creative individuals flourish.”

JohnStosselWikiPostedManufacturedHousingINdustryDailyBusinessNewsMHProNews

Thomas Jefferson and his colleagues wrote the Declaration to assert that our “natural rights” could not be taken away by any government, and to set the stage for the creation of a government through which people could rule themselves,” the libertarian leaning Stossel wrote.

At the time, America was considered a backwater. Just a few years later, America had become the most prosperous, and probably the freest, country in the world.” – and that last line hits a point that the Daily Business News on MHProNews has hit home upon numerous times over the years.  Generally, the more limited government power is over its citizens, the greater our freedom and the higher our potential earning power.

Note that the video is similar, but different from the quoted text.

 

The Fourth of July is…about that idea: that people have the right to rule themselves,” within specific limits, of course, that are designed to keep some from harming others.

Trust no man with too much government power,” wrote Jefferson. “(B)ind them with the chains of the Constitution.”

By limiting the federal government – and likewise limiting state and local governments – “We, the People” are able to retain the maximum fruits of our labors.

It’s good that the Declaration and Constitution have those “chains.” No matter how insistent the state’s busybodies get, they may not arbitrarily search our homes or jail us. We have a right to bear arms, to practice whatever religions we choose, to exercise free speech and more,” declares Stossel.

He explains that the Constitution which followed the successful revolution in America created a division of power.  Again, the purpose was to keep any branch of government from becoming too strong.

Mindful of the experience with England, Americans didn’t want a domestic king or tyrant to rule over them.  Dividing the powers of government up, and reserving all of the other rights to “We, the People” is how the founders sought to protect citizens.

Unfortunately, those limits on government haven’t exactly kept government small,” Stossel laments.  “Thomas Jefferson wanted “a wise and frugal government” that leaves people “free to regulate their own pursuits.” Now we’ve got 180,000 pages of federal rules and $21 trillion in debt.”

But among the reasons for that erosion of personal freedom in the U.S. is arguably because too many Americans have lost sight of why the colonists sought freedom in the first place.  Our industry has suffered from over-reach at all levels of government. The result?  Affordable housing is in decline in almost every part of the nation.

The American Dream, Manufactured Homes, and America’s Independence Day

Stossel’s ode-to-independence is thought provoking, and coupled with regular doses of other MHProNews and MHLivingNews content, makes for useful inspirational and educational material to share with those who aren’t as informed on their rights as you, or supporters or we happen to be.

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

Sharing this type of knowledge is one of the few things that given away, multiplies for all involved.

Note: the markets are closed today in observance of the 4th, so there is no manufactured housing industry stocks and equities report today. For yesterday’s closing numbers, click here. “We Provide, You Decide.” © ## (News, analysis, and commentary.)

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SoheylaKovachDailyBusinessNewsMHProNewsMHLivingNewsSubmitted by Soheyla Kovach to the Daily Business News for MHProNews.com. Soheyla is a managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

Affordable Housing, Subsidized Housing, Manufactured Homes, Private Property, and Proclaiming Liberty

July 3rd, 2018 No comments

CabriniGreenAffordableHousingSubsidizedHousingManufacturedHomesPrivatePropertyProclaimingLibertyManufacturedHomeIndustryDailyBusinessNewsMHProNews

It’s the 3rd of July, 2018. 242 years have elapsed since the founding fathers singed the Declaration of Independence. 242 years later, there are voices and forces that are making promises like free education, $15 minimum wage, “affordable” subsidized rental housing, and are openly proclaiming a socialist agenda. The problem is, decades of experience proves socialism is the opposite of liberty in practice.

 

A wheat and chaff approach must be applied to every person, concept, and every organization. 

There are no perfect people walking the earth today.  Even those who are serious, scholarly believers in God would admit that only a handful of those born could claim to be sinless. So, the majority by definition, including this Daily Business News writer, are a mixed bag. So a discerning separating the good from the bad, the wheat from the chaff is necessary.

 

Housing, Freedom and The War for American Independence

LibertyBellEngravingStatesProclaimLibertyThroughoutTheLandUntoAlltheInhabitantsThereofLev25-10DailyBusinessNewsMHproNewsA Mrs. Powel of Philadelphia asked Benjamin Franklin, “Well, Doctor, what have we got, a republic or a monarchy?” With no hesitation whatsoever, Franklin responded, “A republic, if you can keep it.”  So says OurRepublicOnline, but other sources say the same or similar, including the New York Times,  

In 1938, the Army’s manual used to have a section that said that a democracy would end up in mob rule. Needless to say, that part of the Army manual today is long gone.

A republic is a hybrid.  

A republic includes representative rule, established by the will of citizen/voters. But it is also about the rule of law, defined by a power-limiting constitution. The Latin root of the word republic isres publica,” meaning the “public’s things.” A republic depends on an informed public, that is motivated to understand freedom, and what keeps them free.

Writing in Capitalism Magazine, Alexander Marriott said this:

 

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Alexander Marriott writes for Capitalism Magazine, affiliated with Capitalism.org.

What is a republic? What is a democracy? And why am I so angered that people use the words interchangeably? I’ll answer the last question first. It is illogical to use two words that mean two different things to mean the same thing. This would be like me using the words orange and apple to mean the same physical object. I would be derided as an idiot and rightly so. This situation is the same in principle to the republic/democracy problem, but the importance of the orange and apple comparison is infinitely smaller.

A republic is a government in which a restricted group of citizens form a political unit, usually under the auspice of a charter, which directs them to elect representatives who will govern the state. Republics, by their very nature, tend to be free polities, not because they are elected by the citizens of the polity, but because they are bound by charters, which limit the responsibilities and powers of the state. The fact that people vote for representatives has nothing to do with making anything free. The logical consistency and rationality of the charter, as well as the willingness of the people to live by it, is what keeps people free. 

A democracy is government by the majority. There is still a restricted group of citizens in a democracy, but this group rules directly and personally runs the state. The group may delegate specific tasks to individuals, such as generalships and governorships, but there is no question that the ruling force in a democracy is not a charter (if there even is a charter), but the vote of the majority. Democracies are free only if the people know what freedom is and are consistent in their application of it. If they don’t know this, or more appropriately, if a majority of the people don’t know this, then a democracy could be just as tyrannical as the worst dictator (see Socrates’ forced suicide by the Athenian democracy.)

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The oldest trick in the book is the ‘bait and switch.’ There are those who want us to switch our constitutional republic and it’s liberties for a democracy.  

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Oldest trick? Think about it.

The serpent in the garden promised Adam and Eve that they could be like God if they violated the one rule – one law – that the Creator gave them, “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.” (Genesis 3:3, Bible Hub).

The slippery serpent –  a.k.a. the devil – used a half-truth, spin, the old bait and switch. The deceiver said, in Genesis 3:4-5 You will not certainly die,” the serpent said to the woman. For God knows that when you eat from it your eyes will be opened, and you will be like God, knowing good and evil.” (Bible Gateway).  

There are outright lies, but also half-truths that are told, to tempt people away from the very things that can make them free. That Satanic trick was a half-truth, because the ‘children of Godwere already made in the Creator’s image. With a garden full of fruits and food, they were tricked by a false promise to give up all that they already had.  What happened in the beginning, is a variation of what is happening still today. 

Ben Franklin didn’t know the future. But Franklin and the founders were students of human nature, and of history.  

The founders didn’t all share the same beliefs, but they understood and shared enough in common to forge a consensus that made the Declaration of Independence possible. Years later, after the Revolution had succeeded, the founders forged the U.S. Constitution and the Bill of Rights. 

A person could be an atheist or agnostic, and could still embrace the principles in our Republic’s founding documents.  But founder John Adams, who like Franklin studied human nature and history, said: “Our Constitution was made only for a moral and religious people. It is wholly inadequate to the government of any other.” (BrainyQuotes).

In his Farewell Address, President George Washington said, “…Of all the dispositions and habits which lead to political prosperity, Religion and morality are indispensable supports.” 

There are openly socialistic voices promising rental housing that will be affordable with subsidies. It’s a lie, or at best, a half-truth.  After 50 years of the Great Society programs, the nation needs some 7.7 million affordable rentals, says the National Low Income Housing Coalition (NLIHC). What that means is that however well meaning the NLIHC supporters may be, the solution is obviously not more of the thinking and behaviors that created the current housing and poverty deficits.

 

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Facts are facts. Free enterprise was driving poverty rates in America down, until the Great Society programs and what followed in their wake upended what was working.

HUD Code manufactured homes, and pre-HUD Code mobile homes were and are a free market solution to the affordable housing crisis. One of manufactured housing’s (MH) prime competitor isn’t conventional housing as much as it is subsidized housing.

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The Columbia Point Housing Project had near the end of its first life cycle only some 300 housing units that were habitable. That’s the same number Donald Tye, Jr. used in his example to describe the better way for people, and government. Quality, affordable single family manufactured homes.

The industry’s professionals and investors must recognize that those who created the big, bloated government system found in Washington, D.C. are fighting a multi-tentacled monster. But it can be boiled down to a simple principle.  The federal government overstepped its bounds. That overreach allowed special interests to manipulate the system to the advantage of a few, at great harm to the many.

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Tye explained that public housing – an entitlement – often yields addiction. Ownership vs. renting or living in “projects” leads to integrity, a view he likens to those of Dr. Martin Luther King, Jr.

50 years of Great Society experiments have resulted in some $22 Trillion in spending, said the Heritage Society in 2014. But poverty levels remain the same. Imagine, that $22 Trillion is almost the same as the federal debt. Continuing policies that don’t work is a reminder of what Albert Einstein quipped, to keep doing the same things, the same way is a form of insanity.

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To avoid riots, the current system must be repealed in stages.  Linked reports can be read later for greater depth of understanding.

Housing, Jobs, Poverty, Opportunity – Kerner Commission Remix, HUD and Manufactured Homes

No single article or even book can cover every issue. But when some person or some organization is leaving out key concepts that are necessary for freedom and prosperity, the half-truth or outright lies and their sources are to be noted and avoided by intelligent, freedom loving souls.

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Different sources, the same facts. The socialist promises are proven not to work. Why keep doing what has been proven to fail for over 50 years?  

Our industry is necessary, as HUD Secretary Ben Carson has said. Carson has stated his goal of reforming HUD as it has run for decades.  Our industry’s professionals must give him and the administration the support needed to make that goal a reality. 

Doing so would result in millions of new HUD Code and other forms of housing sales, not through favoritism or crony capitalism, but rather by applying the law, and allowing the free market to reign. 

There is plenty of motivation to do the right things.

 

Wheat and Chaff

None of those quoted below might have thought when they penned their words that they would be referenced here today. They and we might agree on some things, disagree on others. The principle of the wheat and chaff must be applied. 

But consider these quotes from industry professionals, and think about how they matter with regards to our freedom as a nation.  

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Lance Inderman, credit, MHProNews.

It’s my personal opinion that they we have incrementally given up every bit of financial freedom we have lost. Dodd Frank was a big increment along with Obamacare,” manufactured home industry veteran retailer, and prior Texas Manufactured Housing Association Chairman, Lance Inderman said to MHProNews. 

Inderman also said in a message for publication that, “I started at the bottom working for minimum wage washing dishes, flipping burgers, mopping floors and learning how to deal with the public. I have become successful because of hard work, perseverance and delayed gratification.”

People that produce wealth in the private sector despise government and its tax arm while the wealthy that deal in the public sector despise the true private sector that refuses to be enslaved by government contracts and connections because they don’t know how to do it,” Inderman said.

The Importance for Businesses and Investors in Manufactured Housing for Selecting the Next Supreme Court Justice

This writer has never asked, but you can bet that Kelley and Inderman both have a good sense of the Declaration of Independence, the U.S. Constitution and the highlights of our Republic’s history.  

The same bet can be made about the next MH industry success story.  

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Marty Lavin, JD.

The economic talking heads making their living on Wall Street or Washington, D.C. care little about American workers displaced for years. Deplorables! Now the economic bigshots lament the possible trade war with China because it threatens their stew, citing the loss of cheap goods for us to buy. Where were these folks all those years as hard working Americans were thrown from their jobs, in places like Buffalo, Detroit and Youngstown, all dead cities. You know, “free” trade is a must, for the elites.” Marty Lavin, JD., award winning manufactured home finance, communities and retail veteran.

 

It is Lavin who has said Follow the Money,” and “Pay more attention to what people do than what they say.”  But think about the below in terms of subsidized housing.

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The logic of this statement can be applied to a variety of cases, including subsidized housing.

Students of human nature and history know the bait and switch, and the techniques of the half-truth or repeated big lies. 

The Wheat and Chaff principle must be applied to the Manufactured Housing Institute (MHI) too. There are several who believe, as Lavin does, that they work for the interests of the big boys.” But even a stopped click is right twice a day. MHI’s allegedly Rigged System did produce an interesting video, shown below as an example of useful wheat from amidst their debatable chaff.

We could parse how or why this MHI video was done, but let’s let the wheat from the message of HUD Secretary Ben Carson stand on its own merits.

The nation is at a crossroads. Freedom is never free. Economic liberty isn’t to be stolen by one group from another.  Theft by the manipulation of government power is not morally superior to theft by an armed robber.

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For newcomers to the website not familiar with modern manufactured homes, learn more by clicking the image above or the link here.

God’s Ten Commandments protected private property, and protected the truth.

The Liberty Bell bears the following words, “Proclaim Liberty throughout all the land unto all the inhabitants thereof,” from Leviticus 25:10, says U.S. History.  

  • Freedom requires truth.
  • Freedom requires knowledge and understanding.
  • Freedom is predicated upon eternal moral principles.
  • Freedom requires sacrifice.

Whenever facts are being manipulated, it may be a signal that there either ignorance or an effort to manipulate people. That manipulation is often grounded in a desire to separate citizens from their God-given rights, and/or their money.

The business of America is business,” said President Calvin Coolidge. For business to prosper, taxes and regulations must be low, fair, moral, and impartial.  

Whatever the personal weaknesses of the current president, the truth is we all have a weakness. The wheat and chaff principle applies to us all. That said, this administration is arguably doing more to restore the American Dream than any president since Ronald Reagan.

As the annual reminder of the 4th of July’s meaning is upon us, this is an apt time to reflect on how vital it is that a candle should be lit to fight the darkness some are spreading.

Subsidized housing is an under appreciated root problem. Subsidized housing is proven to be unable to meet the nation’s needs after decades of failed efforts. Subsidized housing traps people, as the Rev. Donald Tye noted.  

Economic, person, spiritual, or political freedom are never free.

There is always a cost, always a sacrifice.

But the cost is worth the price. The price is better than the alternatives. “We Provide, You Decide.” ## (News, commentary, and analysis.)

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

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“I Hate Politics!” – Bedminster Watch, and Manufactured Housing Shipments

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

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

Office 863-213-4090 |Connect on LinkedIn:
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