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Flashback! Funny, Surprising, Interesting Jay Leno, Donald J. Trump 1999 Video Interview

April 9th, 2019 Comments off

DonaldJTrumpJayLenoDec1999FlashbackVideoInterviewIfTrumpWerePresidentPatBuchanan

Let’s be clear.  There are some things that are different now, then it was back then for comedy, late night TV, and for Donald J. Trump.

That said, whatever your view of the 45th president, take 10. See what he says.  Compare and contrast it to what you hear from this or that source today.

The video is a mix of serious and light hearted.  For the younger set, this video reminds us too how much sharper our TV pictures are then they were just 20 years ago.  At the time this video was made, Mr. Trump was pondering a run for the Oval Office on the third-party Reform ticket. 

Why this, why now? As many have realized, perhaps the biggest risk for many is from political winds.  Those political winds may be local, national, or global. 

Knowledge is potential power. History can help with clarity. Make it a good night in MHVille.

That’s a flashback of News through the lens of manufactured homes, and factory built housing.” © where “We Provide, You Decide.” © ## (News, analysis, and commentary.)

 

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

“Economic Racism.” Angry Residents, Students, Civic Leaders Fight Plan to Ban Affordable Manufactured Homes, Industry Professionals Sound Off

 

 

 

 

 

 

Scandalous, Presidential Politics, Affordable Housing, Mobile and Manufactured Homes

December 17th, 2018 Comments off

ScandalousPresidentialPoliticsAffordableHousingMobileandManufacturedHomesDailyBusinessNewsMHProNews

Affordable housing, working and middle class incomes are far from a new issue.  They have been part of the national scene in the U.S. for decades, as this brief recap and linked reports will serve to outline. And sexual or other scandals have arguably often taken those long-pressing issues for the masses hostage.

 

For the big three networks, an “average of 22.4 million Americans watched the evening news last week,” per a recent December report on Adweek.  The graphic below suggests another 5.4 million watch one of the top 3 cable news networks. If one considers the other business news, and lesser watched ‘national’ cable channels, perhaps 30 million (+/-) tune in to someone’s news program weekday evenings, out of a the estimated 2018 United States population (February 2018) of 327.16 million, per U.S. Census Bureau figures.

 

StatistaCableNewsNetworksPlusBig3PlusMinorAbout30MillionViewers

Collage and comments by MHProNews, graphic by Statista.

 

So a small minority of Americans tune into news.  That is no doubt fine for those who would prefer to do their work with the least possible level of public scrutiny.

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Award-winning investigative journalist Sharyl Attiksson’s media bias chart is useful in sorting out the agendas behind various headlines and news sources. 

The highpoint for pre-HUD Code mobile home industry was achieved during the presidency of Richard M. Nixon. For two years, as the new home shipment chart below reflects, production soared passed 500,000 units a year. Those sales levels were supported by policies that provided Veterans Administration (VA) backed lending on mobile home loans, perhaps some emergency housing orders, and other encouragement from the federal government.

 

MobileHomeShipmentsManufacturedHomeShipmentChartMHIAShipmentsMHIndustryChampionSkylineHUDCodeDailyBusinessNewsMHProNews

What was accomplished previously in sustainable shipment levels, can clearly be done again. Graphic by Skyline Champion (SKY), commentary by MHProNews.  

 

The scandals of Watergate brought down the presidency of Richard Nixon (R). In the video posted, mention is made of the role of how opposition research was used by Nixon and his allies against Senator Ted Kennedy (MA-D). For more on Nixon and mobile homes, and the emergence of the federal construction, safety, and energy that became the HUD Code for manufactured housing, click the linked report below.

 

Help Others “Get It” – Loans on “Mobile Homes” Promoted by Another U.S. President

 

The presidency of Gerald Ford (R) was brief, but not without its influence on the transition from mobile homes to manufactured housing. A literal and metaphorical stumble caused Gerald Ford to lose to Jimmy Carter. For insights into President Ford’s roll in the transition from Mobile to Manufactured Homes is accessed by clicking on the linked box below.

 

U.S. President Praised “The Mobile Home Industry,” Manufactured Homes are “Here to Stay”

 

President Jimmy Carter’s (D) brother Billy had his shares of embarrassing moments. But the curated video Scandalous points to the effects of ‘Ted’ or ‘Teddy’ Kennedy at Chapaquidick bridge that may have been the difference between Carter losing to Republican Ronald Reagan (R). For some points on the Carters and manufactured housing, see the linked report, below.

 

President Jimmy Carter Blasts Trump Administration on Affordable Housing, Carter’s Manufactured Home Ties

 

We’ve noted previously on the Daily Business News on MHProNews how the President Bill Clinton (D) era ushered in the passage of the Manufactured Housing Improvement Act of 2000 (MHIA), which in the new home shipments graphic shown is the most ‘modern’ part of the manufactured home industry’s history.

 

Affordable Housing, Manufactured Homes, Bipartisanship, Bill, Newt, Sexual Scandals, and You

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The Clinton era also gave us the sad turn of the phrase from Clinton operative James Carville. It was all done to distract from Clinton’s sexual scandals.

 

“Drag a hundred-dollar bill through a trailer park, you never know what you’ll find,” James Carville, Clinton Strategist

Some don’t like to admit it, but every administration for decades has had its share of real and/or manufactured scandals. It’s bipartisan.

But affordable housing ought to be non-partisan.  The case for manufactured housing ought to transcend partisan lines.  Which is why it is worth noting that the Manufactured Housing Association for Regulatory Reform (MHARR) does its work with no PAC, while the Manufactured Housing Institute (MHI) has its MHI PAC. 

The video that follows is an interesting look at how scandals, past or more recent, have often hobbled presidents. In the case of Senator Ted Kennedy (MA-D), his scandal kept him from becoming president.  These events in turn thus influenced policies, including those related to incomes and affordable housing.  The video walks through several administrations, adding flavor and context to some of the linked information above and below.

 

 

Investors and professionals should be mindful of just how rapidly affordable housing can be ramped up with contemporary manufactured homes. The example of Rollohome is an ever-timely reminder – linked in the box below – because if that builder went from start-up to 60,000 homes in 2 years, it can most certainly be done again.  Arguably, it should be better, because we now have the federal standards known as the HUD Code for manufactured homes and the MHIA of 2000.

 

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

Before a younger generation thinks that there were no big allegations, concerns, dirty politics, and scandals prior to our time, the video above yields interesting insights by using numerous clips from the respective eras, mixed with commentary by the people who lived it.  That’s this morning’s “News through the lens of manufactured homes, and factory-built housing,” where We Provide, You Decide.” © ## (News , analysis, and commentary.)

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Related Reports:

HUD’s Operation Breakthrough, Promoting Factory, Industrialized Building – Mobile Home Era to Modern Manufactured Homes.

“A New Era of Cooperation and Coordination,” is Promised by HUD Secretary Carson, Saying “I Hear You”

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

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

“I knew right from the beginning.” When President Trump, First Lady Melania, VP Pence Toured Manufactured Home Community

 

 

 

 

Affordable Housing, Manufactured Homes, Bipartisanship, Bill, Newt, Sexual Scandals, and You

October 5th, 2018 Comments off

 

AffordableHousingManufacturedHomesBipartisanshipSexualScandalsYouDailyBusinessNewsManufacturedHousingIndustryProNews

It would be a grave mistake to think that bipartisanship is dead.

 

Earlier this year, Maxine Waters (CA-D)  and Jeb Hensarling (TX-R) worked with each other to pass a bill out of the Financial Services Committee that latter passed the House of Representatives by a wide margin.

Who Says Bipartisanship is Dead? House Passes Massive “JOBS & Investor Confidence Act” S 488 by 406 to 4 Vote

 

S. 2155 was passed mostly by Republicans, but with some Democrats joining the effort. While missing or hyping some details, the Manufactured Housing Institute (MHI) is correct in pointing out that there are benefits to our industry in S. 2155.

There are other possible examples of bipartisanship, but those two suffice to make the point.

That said, bipartisan efforts arguably aren’t as common today as they were two decades ago.  The photo at top features Democratic President Bill Clinton with GOP House Speaker Newt Gingrich (R).

If you are under 35 – unless you were an unusually politically-focused teen or youth – you may only know from a historic reference by media of the following, compelling facts.

Bipartisan efforts in the President Bill Clinton (D) Administration worked with a Republican dominated Congress in 1996 and 1998 to pass legislation that:

  • reformed welfare,
  • balanced the budget,
  • passed a key piece of modern manufactured housing legislation,
  • and much more.
PresidentBillClintonHouseSpeakerNewtGingrichDailyBusinessNewsMHProNews

As an upcoming special report will feature, Democratic President Bill Clinton, Republican (GOP) House Speaker Newt Gingrich, and others who were part of a cast that passed historic pro-growth, debt/deficit cutting, and pro-manufactured housing legislation. Make sure you are signed up for our emailed news updates so you don’t miss an upcoming special report.

 

That manufactured housing (MH) legislation is still on the books, but is only partially implemented.  That means it has not been fully applied to the benefit of the manufactured housing industry and consumers alike.

Yet that little-known law could unlock tens to hundreds of billions in business the next decade, if it is properly utilized. Tech gurus involved in factory-built housing say the new housing market is some $330 billion a year. That gives a reader a keen sense of what manufactured home potential is. More of those details about pro-manufactured housing laws another time, but they’re covered in part in the report linked here, which can be read later for greater fact-based insights.  ICYMI, the post below is another example of bi-partisan efforts.

Jeb Hensarling & Maxine Waters Unveil Bipartisan Capital Markets Reform Legislation

 

The First Takeaways

The first takeaway is that bipartisanship can still happen.  But it arguably isn’t as common as it once was.  The other takeaway is that manufactured housing is poised for tremendous potential profits, but those won’t occur until pragmatic and ethical action occurs.

 

MH Objectivity

As political independents who are pro-business, pro-consumers, and pro-workers, this industry-leading trade publication looks at facts, evidence, follows the money.  We then seek and present reality, always in search of what is necessary, true, and good. We do so with significant input from informed MH professionals, and the strategic support of a few-long-term thinkers and doers.

Bipartisanship can be good, but only when the legislation or policy is good.

But bipartisanship when a policy is flawed is wrong, period. Majorities don’t create morality. God establishes eternal moral standards. When laws or legislation are good, they comport with the moral norms given by the Creator of all humanity.

Principle of ‘The Lesser of Two Evils,’ and MHVille’s Future

 

Sexual, Sensationalized, Dirty Politics and Manufactured Housing

In the late 1990s, House Speaker Newt Gingrich worked with President Bill Clinton even as the two major parties sought to outmaneuver each other. President Bill Clinton was fairly accused of numerous sexual scandals.

BillClintonMonicaLewinskyManufacturedHousingINdustryDailyBusinessNewsMHProNews

 

Clinton had sexual encounters that became widely known.  The photo below spotlight just 4 of them.

FlowersLewinskyJonesWilleySexualAccusersPOTUSBillClintonDailyBusinessNewsMHProNews

The truth sets people free.

Speaker Gingrich himself had an affair while in office during the 1990s, with then Callista Bisek. That affair later resulted in a divorce, and an eventual marriage by Newt of the woman who is now his wife. Callista Gingrich today is the U.S. Ambassador to the Vatican.

NewtCallistaGingrichNixonFoundationDailyBusinessNewsManufacturedHousingIndsutrfyProNews

Reality is what is. It makes no sense to live life based upon half-truth, spin, deception, or lies.

While bipartisanship was evident in the 1990s, so was manufactured political gamesmanship.

Eighty-four ethics charges were filed by Democrats against Gingrich during his term as Speaker. All were eventually dropped except for one: claiming tax-exempt status for a college course run for political purposes,” says Wikipedia. “…In 1999, the IRS cleared the organizations connected with the “Renewing American Civilization” courses under investigation for possible tax violations.”

Rephrased, Gingrich was publicly smeared with dozens of charges, but in the end, nothing stuck.  Sound familiar?

Nevertheless, “In 1998, Republicans lost five seats in the House,” says Wikipedia… “His [Gingrich’s] private polls had given his fellow Republican Congress the impression that pushing theLewinsky scandal would damage Clinton’s popularity and result in the party winning a net total of six to thirty seats in the US House of Representatives in this [1998] election. The day after the election, a Republican caucus ready to rebel against him prompted his resignation of the speakership. He also announced his intended and eventual full departure from the House in January 1999. When relinquishing the speakership, Gingrich said he was “not willing to preside over people who are cannibals,” and claimed that leaving the House would keep him from overshadowing his successor.”

People can change. But human nature remains the same. We are all people who have our own unique weaknesses.

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Learn more by clicking here or above. The banner ad is not connected with the story it is posted in.

It is difficult at best to succeed long-term in business in America today without having at least a basic sense of politics. Much of what happens is for the camera, sound bites, and public impact. Various scandals manufactured for media are used with the idea of manipulating and thereby influencing voters.

Having worked with mainstream media on several occasions spanning over 20 years, this writer can tell you first-hand that stories are routinely ‘framed’ by television and print media to fit a narrative.  That spin may or may not fit all of the facts.

Rephrased, sometimes key information is left out or over-emphasized, which can make a story appear to be plausible or true. In fact, some news is just agenda-driven, manipulative propaganda.

President Clinton remained in office, even though it is widely believed he was guilty of several examples of sexual misconduct.  Those Clinton misdeeds pale in comparison to what Judge Kavanaugh is accused of doing. After 7 FBI investigations, there is no evidence, no corroboration against Judge Kavanaugh. Yet, the slander against Judge Kavanaugh persists.

By comparison, the mainstream media largely gave President Bill Clinton a pass, and there was considerable evidence that spanned years against him.  Then First Lady Hillary Clinton orchestrated the defense of her husband Bill.  She did so by publicly crushing President Clinton’s accusers. For more of an inside, fact-based look at the inner-workings of the mainstream media, see the related reports, further below.

Hillary did her part to deflect the allegations against her husband Bill.  She did so in conjunction with Clinton political operative James Carville.  It was Carville who came up with the troubling line – quoted below – that still haunts manufactured housing to this day.

“Drag a hundred-dollar bill through a trailer park, you never know what you’ll find,” James Carville, Clinton Strategist

People on both sides of the aisle – and those who are a-political – still use Carville’s comment, yet it is deeply offensive to millions.

“’Trailer Trash’? Watch Who You’re Insulting When You Throw Around Those Words” – Buffalo News

It is an example of how politics can make strange bedfellows.

All that said, Speaker Gingrich and President Bill Clinton worked with each other to pass much of Gingrich’s “Contract with America.” The tech revolution was underway in the 1990s. Billionaires today like Bill Gates, Mark Zuckerberg, Jeff Bezos, and others were young in their careers in that timeframe. It took time for those tech gurus to evolve to the point that they became fabulously wealthy. They too played, and used, the political and media game.

An important lesson learned from billionaire Warren Buffett is precisely the need to understand history, to be well read, and to think long term.  It is no secret we disagree with much of Mr. Buffett’s machinations. But that doesn’t mean that we should ignore the lessons he has taught, for good-or-ill, to the manufactured home industry.

Buffett’s deeply political.

warren buffett pres obama motley fool 12-13

Warren Buffett, President Obama, credits Wikipedia.

 

MHARR, MHI, and State Associations, Working Together

We will look in greater depth in the days ahead to see how:

  • the Manufactured Housing Association for Regulatory Reform (MHARR, previously known as the Association for Regulatory Reform – ARR),
  • the Manufactured Housing Institute (MHI),
  • and Will Earle of the Texas Manufactured Housing Association (TMHA)

all came together with numbers of other industry pros to work with Speaker Gingrich, Congress, and President Bill Clinton to pass a historic piece of legislation for our then thriving HUD Code manufactured housing industry.

FormerPresidentBillClintonPivotalMomentManufacturedHousingIndustrySundayMorningRecapDailyBusinessNewsMHProNews

Danny Ghorbani, left – then president of what today is MHARR. Bill Clinton, right. There were numerous industry and political professionals that were involved in the process of making pro-manufactured housing industry legislation come to fruition. Then and now, it will only happen when pragmatic reality guides enough peoples’ thinking and actions.

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What was accomplished previously in sustainable shipment levels, can clearly be done again.

 

Clarity on reality – then, now, and in the future – is vital for our industry’s revival.

The intriguing back-story to how MHARR, MHI, and what became MHEC give an illuminating “lessons learned” that could make it easier for our industry if understood and applied.

Partisans on both sides of the aisle – including partisans in our industry’s trade associations – must see reality clearly to understand how tens of billions of dollars in annual sales could be achieved in the near term in manufactured housing.

That kind of growth only occurs when local businesses in their local markets do their best, achieving results several times greater than they now are accomplishing.

But that achievement won’t happen absent reality-checks, pragmatism, and the correct next steps.

LATonyKovachGoodBipartisanshipShouldalwaysBepredicatedBenefitallhonestindustrymembersnotslectfewquote

Fair Warning

The video posted below opens with salty “R” rated language.  We’ll present both the teaser (the ‘trailer’) and the full length video.

 

The video shows rough-but-real, raw news footage. The video takes viewers on a compelling snapshot of how our future is being shaped. It also suggest how our collective future could become so much brighter.

 

There’s a highly documented affordable housing crisis. Lawrence Yun, Ph.D. and chief economist for the National Association of Realtors ® says that some 8.3 million housing units are needed.  That’s a sense of the potential manufactured home and other factory builders could be tapping into.

Manufactured homes are arguably best poised to address those needs, because of the two great federal laws, that if fully implemented could open the floodgates for manufactured housing and millions of Americans. To achieve our industry’s amazing potential, more should realize that President Trump, with a GOP House and Senate, could give our industry the brightest period it has ever achieved.

Please skip something else this evening, and make the time to watch the video above. Then kindly share this post and these videos with others. FYI, the video below is quick and industry-focused.

 

President Donald Trump, HUD Secretary Dr. Ben Carson, Private-Public Partnerships to Solve Affordable Housing Crisis

Once informed, vote wisely in the midterms. Give the 45th President of the United States (POTUS) the support he needs in Congress to make America and our manufactured home industry great again.  He’s promised to enforce the law.  Let’s give him the Congress he needs, and then do as the NFIB and others have, ask him to fully enforce our industry’s two great laws.

ManufacturedHmeIndustryAchieveGreatPotentialAddressingResolvingCauseCorePerceptionIssuesLATonyKovachQuotePresentationPhoto

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

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

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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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Related References:

Danny Glover, Presidents Barack Obama & Donald Trump, Promises Kept, and Affordable Manufactured Housing

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

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

President Jimmy Carter Blasts Trump Administration on Affordable Housing, Carter’s Manufactured Home Ties

September 14th, 2018 Comments off

 

PresidentJimmYCarterBlastsTrumpAdminstrationAffordableHousingCartersManufacturedHomeTiesMHProNews600

CNBC reported last week that former President Jimmy Carter took aim at the Trump Administration on the important issue of affordable housing.

 

Low-income housing needs to be raised much higher as a priority for our country,” former President Carter said in a phone interview with Emma Newburger. “That’s the first step toward making people who are now dependent on government assistance, on welfare rolls, to get a good job and have a chance to raise their families and put their kids through school.”

Mr. Carter told CNBC that the Trump Administration is ‘ignoring a national housing crisis,’ and he urged voters to support candidates who promote affordable housing.

 

The Carters, HUD’s Carson, and Manufactured Housing

CNBC’s Newburger told MHProNews that the “topic [of manufactured housing] didn’t come up in the interview” with former President Carter.

By contrast, when the Department of Housing and Urban Development (HUD) was asked to respond to former President Carter’s broadside, a HUD spokesperson offered to MHProNews the very specific answer of Secretary Carson’s strong statement of support for manufactured housing.

The HUD spokesperson who replied to the Daily Business News on MHProNews was one that has not previously spoken or messaged with MHProNews. Her reply for HUD is all-the-more interesting to investors and businesses in manufactured housing (MH) who read the tea leaves that may signal what direction the agency will take when their regulatory comments review are completed, later this year.

Those comments the spokesperson sent from Secretary Carson were previously published by the Daily Business News, and are found on HUD’s website here, or at the article with some commentary linked below.

“A New Era of Cooperation and Coordination,” is Promised by HUD Secretary Carson, Saying “I Hear You”

Mr. Carter is a prominent supporter of Habitat for Humanity. An informed source in Carter’s home state of Georgia told MHProNews that Habitat rarely uses manufactured homes, preferring to get “free labor” from those who are putting their “sweat equity” into the house that they help build. That keeps Habitat’s construction costs low.

In Habitat’s view, per our source, this combination of factors creates a greater tie of the Habitat dwelling buyer to their home and mortgage payments.

However admirable Habitat is, it obviously only scratches the surface of our nation’s affordable housing needs.  Their own data shows that the majority of their work is done in other countries, instead of here in the U.S.

HabitatForHumanityManufacturedHousingIndustryDailyBusinessNewsMHProNews

It’s noteworthy that a Google search of former President Carter reveals no obvious criticism by him of the Obama Administration over their handling of affordable housing efforts.  By comparison, even some progressives criticized former President Obama for his perceived missteps at HUD regarding affordable housing. One such critique was about Shaun Donovan’s selection by former President Obama, and that source viewed Donavan as a Clinton Administration ally throwback.

So why did Mr. Carter give former President Obama a pass for 8 years, when the rate of home ownership dropped?

HomeOwnershipRatesUSCensusBureauDailyBusinessNewsMHProNews

Where was Mr. Carter on the issue of rising rents during the Obama Administration?

USCensusBureauMedianAskingRentDailyBusinessNewsMHProNews

Or why didn’t the former president from Plains, GA not critique Mr. Obama’s handling of the economy, debts, and deficits? During the Obama era, rental rates continued to rise. Regulatory policies during the 44th president’s term in office constrained or even crushed small businesses by the thousands, while large companies recovered and grew.  Manufactured housing has slowly recovered during the Obama years, due in part to regulatory overreaches.

MedianAskingSalesPriceVacantExistingSalesUnits1995to2018ManufacturedHOusingIndustryDailyBusinessNewsMHProNews

Details further below will outline factors that began during the Carter Administration years, which culminated in some of the housing and mortgage issues of our era. See further below.

MedianHouseholdIncome2016NARManufacturedHomeOwnersVsRentersDailyBusinessNewsMHProNews

Yet, in an apparently partisan Democratic Party fashion, Mr. Carter’s recent blast wasn’t aimed at former President Obama for the erosion in home ownership rates.  The peanut farmer turned president from Plains didn’t take at rising rents under former President Obama. Instead, Mr. Carter attacks President Donald J. Trump?

The Trump Administration has only been in office for about 20 months.  Dozens of the 45th president’s nominees have been slow-walked by Democrats in the Senate.

Ironically, the rate of home ownership and the economy are both improving at a significant clip since Mr. Trump won the election.  So where’s the logic of Mr. Carter’s claims? CNBC apparently failed to ask – or did not report it if they did – insights into any of these salient questions.

Perhaps equally interesting is the following issue and related question.

The federal manufactured housing construction and safety standards administered by HUD had their first full year in effect during President Carter’s Administration.

Figure1MobileManufacturedHomeSalesSHipmentsVsExistingingNewHouseSalesManufacturedHousingiinudstryDataMHProNews

There were certainly many factors that contributed to the steep drop in sales of mobile homes from their peaks in 1973 and 1974. When the HUD Code kicked in and manufactured housing was ‘born’, sales levels stayed fairly low during the Carter years. They went up modestly during the Reagan Administration era.

Mr. Carter’s colorful younger brother Billy served two different independent HUD Code manufactured home builders in high visibility roles for several years in the 1980s.

So why didn’t actively-retired President Carter do more to promote manufactured homes as an affordable housing solution? Or why hasn’t Mr. Carter done more to elevate manufactured homes as an obvious and proven free market solution to affordable housing since he left office?

After all, Mr. Carter can’t claim ignorance of the topic. The former president’s home state was at one time a top-tier manufactured home producer.

So, why did HUD Code manufactured home shipments nose-dive relative to the end of the mobile home era timeframe compared to the Carter years?  By contrast, as Daily Business News on MHProNews has reported, both prior Presidents Nixon and Ford each promoted “mobile homes” as an important part of the U.S. affordable housing mix.

Help Others “Get It” – Loans on “Mobile Homes” Promoted by Another U.S. President

The photo below was provided to MHProNews by ScotBilt Homes, which has produced manufactured homes in GA for many years. Left-to-right in the photo are Sam Scott, Judy Cazel, President Jimmy Carter, his brother Billy Carter, and Jim Cazel, the pilot of the aircraft they are standing by.

SamScottJudyCazelPresidentJimmyCarterBrotherBillyCarterJimCazelManufacturedHousingDailyBusinessNewsMHProNews600

 

The Reaction to former President Carter’s Comments From Washington, D.C.

There is no widely published comments to be found from a Google search (see downloadable screen capture) from the Arlington, VA based Manufactured Housing Institute (MHI) regarding the recent comments by former President Carter.

But the Washington, D.C. based Manufactured Housing Association for Regulatory Reform (MHARR) weighed in on the conventional comments by Mr. Carter in a nuanced comment as follows.

While Secretary Carson as we noted in a recent article has said the right things about the need to eliminate exclusionary zoning, there is much more that HUD could do to support consumer financing for affordable housing, most particularly chattel financing for manufactured homes,” said Mark Weiss, JD, President and CEO of MHARR to MHProNews.

Weiss and MHARR members are on record encouraging more lending from the FHA, while acknowledging the progress made to date during the Trump Administration.

It should be noted that MHARR has no PAC, by design, but MHI does. MHARR has praised the Trump Administration, as has MHI.

 

“Move, Open, Live” De Rose Industries & Senator Thom Tillis’ Mobile Home Comments

But a key distinction between the two trade groups on this issue is that MHI put two paid pro-Clinton speakers on stage in their pre-election Chicago event, a claim MHI has never opted to deny or try to explain.  The mainstream headline below is one of several that document that Berkshire’s chairman backed the party that favored heavy regulations. Why?

IBTInternationalBusinessTimesWarrenBuffettHillaryClintonDailyBusinessNewsMHProNews

MHI’s primary “big boy” member is Berkshire Hathaway owned Clayton Homes and their affiliated lenders, 21st Mortgage Corp and Vanderbilt Mortgage and Finance. Kevin Clayton is seen with former President Bill Clinton in the disastrous post-Haitian earthquake “recovery” effort photo and linked report below, that dives into those alleged scandals.

“Toxic Trailers” – Clayton Homes, Warren Buffett, Kevin Clayton, Clintons – Exposé Videos

Warren Buffett campaigned for Secretary Hillary Clinton against Mr. Trump in 2016, saying on several occasions, that Buffett believed in her policies.  As MHI award-winner – and periodic MHI critic – Marty Lavin has said, “Pay more attention to what people do than what they say,” and “Follow the money.”

FollowThe MoneyPayMoreAttentionToWhatPeopleDothanwhatTheySaySpySea72MartyLavinYachtManufacturedHousingINdustryProMHProNews

 

Forbes’ John Moratta Weighed In on Carter to Obama Era

But there’s other issues that need to be raised, one of which a Forbes Contributor David John Marotta examined. In 2012, Marotta argued that the entire contest between Democratic candidate and incumbent, President Barack Obama vs. GOP nominee, former Governor Mitt Romney should come down to a single subject.

It’s one that directly relates to affordable housing, manufactured homes, the U.S. economy, and the future direction of America.

The Forbes headline was, “The Election Should Be Settled by a Single Question: Who Caused the Financial Crisis?”

ForbesElectionSettleSingleQuestionWhoCausedFinancialCrisisDailyBusinessNewsMHprOnews

Two key paragraphs by Marotta on the subject framed by the headline above read as follows.

“…It all began with the Community Reinvestment Act (CRA) of 1977 under President Jimmy Carter. Its goal was to reduce discrimination against people in low-income neighborhoods by FDIC banks. The law did not provide any criteria for equal process. Thus any bank whose lending results were called into question could be challenged. And banks needed regulators to approve their actions.

DavidJohnMarottaForbesContributorDailyBusinessNewsMHProNews300The CRA increased the oversight of financial institutions and empowered organizations such as the Association of Community Organizers for Reform Now (ACORN). Obama’s work as a community organizer included working as ACORN’s attorney suing banks in Illinois.”

Skipping further into his column, the following extended quotes from Marotta said, “In the last election campaign, it was vehemently denied that Obama had been an ACORN trainer until the New York Times uncovered records demonstrating he was.”

Now Democratic New York Governor “Andrew Cuomo was the assistant secretary of Housing and Urban Development (HUD) and then secretary under President Bill Clinton from 1993 through 2001. Cuomo created 800 new HUD employees who were paid as much as $100,000 to fight against abolition of the agency. These community builders, as they were called, worked with local groups to lobby against tax cuts and to aid Democratic candidates.

Under Cuomo’s leadership in 1998, HUD forced banks in Texas to lend $2.1 billion in affirmative action loans with a higher risk and higher default rate.”

President Clinton touted these supposed achievements. “In 1998 he boasted,In the 20-year history of the Community Investment Act, 85 percent-plus the money loaned out under it to poor inner-city neighborhoods has been loaned in the five years since I’ve been president.”

Fannie Mae and Freddie Mac were on the path to disaster. Now Obama blames deregulation under the Bush administration for the financial meltdown, but there was none.

After Clinton, George W. Bush and Republicans tried to tighten up lending standards for which they were demonized by the Democrats. These efforts were pushed unsuccessfully throughout the Bush administration starting in April 2001. 

Ranking Democrats Barney Frank and Charles Schumer led their party to block these efforts in the fall of 2003. Frank made light of Republican concerns. He said, “I think we see entities that are fundamentally sound financially and withstand some of the disaster scenarios. And even if there were a problem, the federal government doesn’t bail them out. But the more pressure there is there, then the less we see in terms of affordable housing.”

Those points in Forbes are ones MHProNews has raised several times over the years –  including, but not limited to – by previously sharing the video posted below.

 

It should also be noted that former President Bill Clinton himself acknowledged that, “The responsibility the Democrats do have may rest more in resisting any efforts by Republicans in the Congress or by me when I was president to put some standards and tighten up a little on Fannie Mae and Freddie Mac.”

Let’s let all of the above sink in for a few moments.

That should not imply that several Republicans weren’t also complicit in the housing/lending issues in the run-up to 2008, because Fannie and Freddie were donating to candidates on both sides of the aisle.

But more influence buying cash went to Democrats. Politico reported that the GSEs spent a stunning $200 million dollars in campaign contributions, see the screen capture below.

2008GSEsFannieFreddieGaveDemocratsMorePrior2008FinancialMeltdownDailyBusinessNewsMHProNews

So it seems more than ironic that former Democratic Presidents Carter, Obama, and the Clintons now gleefully point a public finger at President Donald J. Trump. But the evidence and factual reality is that those Democratic leaders are guilty of blatant hypocrisy. They and their party bear a significant degree of responsibility for the economic turmoil, starting in the Carter years, during the Clinton Administration, as well as the run up and through the Obama Administration eras.

Big government solutions, the ones more commonly proposed by Democrats, have proven for 50 plus year not to work.

UCDavisUnitedStatesPovertyRateSince1959to2015DailyBusinessNewsMHProNews_001

It’s federal government policy that turned toward more subsidized conventional housing, which has never kept up with the needs in over 50 years.  Manufactured homes, or the mobile home era before the HUD Code existed, were the free enterprise solution that have proven to be as “amazing” as HUD Secretary Carson said in Senate testimony earlier this year.

 

 

Summing Up the View from MHVille

There is little doubt that members of both major parties have over the years made their respective errors, along with efforts to spin or cover up those mistakes.

But there’s plenty of evidence that former Presidents Carter, Clinton, and Obama – along with Democratic allies in Congress – fostered the conditions that have undermined manufactured housing, and hurt the economy at several times, and in often severe ways.

As industry investors, professionals, and all others ponder their support and votes in the upcoming midterms, it’s vital to consider the issues noted above.

Democrats and disaster-capitalists have long ties. Mr. Buffett and Kevin Clayton’s connections to top Democrats ought to be weighed by all those who care about the issue of affordable housing and manufactured homes role in that effort.

As a disclaimer, while the publishers of MHProNews are political independents, this writer published an article that supported then candidate Trump during the Republican primaries in 2016. That article was republished by the Trump campaign on their website, as the screen captured image below reflects.

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While the Manufactured Housing Institute (MHI) paid for two pro-Clinton speakers in the closing days before the 2016 election, the Kovach family supported Donald J. Trump’s candidacy as the best for the industry, small business and hundreds of millions of Americans. One of those stories ended up on the president’s campaign website, and hundreds of conservative and pro-Trump websites.

Resistance Democrats, and some Republicans too, have caught to slow or stop the reforms that former Democrat turned Republican Donald J. Trump has sought to bring to the U.S. in economic and foreign policies. Those who claimed that Mr. Trump could never win were proved wrong.

Some of those same voices are shouting daily now that Democrats will carry the House, and maybe even the Senate in a supposed “blue wave.” It is a “knife fight,” as Senate Majority Leader Mitch McConnell recently said.

But the races are close. And the polling touted in 2018 has some of the same problems that 2016 polling had.  It is every bit as likely, perhaps more likely given consumer and business confidence levels, that a “red wave” is coming.

President Trump is taking over the GOP, and is transforming it into a pro-worker and pro-business, pro-growth party.  1/3 of the counties that went for Mr. Obama flipped in 2016 and supported Mr. Trump.

The midterms will be all about turnout. Turnout will be determined by energy and enthusiasm. The economic recovery this time isn’t driven by Federal Reserve monetary easing, or doubling the national debt in just eight years, as occurred during the disastrous Obama Administration years.

We are only now beginning to see details and documents about the level of corruption that occurred at the FBI, DOJ, and perhaps the CIA during the Obama era in the 2016 campaign.

The future of our industry’s growth potential may hang in the balance of a builder-businessman turned politician. President Trump has systematically been keeping his campaign promises.

HUD Secretary Carson’s pressroom spokesperson pointed to his manufactured housing comments as their reply to former President Carter’s controversial, and demonstrably misleading claim made to CNBC.

Yes, MHARR’s president is correct in saying that positive words and the regulatory freeze must be followed by more concreate and positive action.

But the Trump Administration, for all the drama that surrounds it, is keeping their promises to put American jobs, businesses, and our national interests first.  It’s a vast improvement over the presidents of both parties since the days of Democrat turned Republican, President Ronald Reagan.

That’s “News through the lens of manufactured homes, and factory-built housing,” © where “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.

Related Reports:

President Trump Spotlights Factory Home Builder in Speech, Proven Promotion, Support of Industry Advancement

Principle of ‘The Lesser of Two Evils,’ and MHVille’s Future

 

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

Unemployment Rate Tells One Story; Labor Participation Rate Determines Revenue, Federal Debt

August 8th, 2016 Comments off

Labor_Participation_Rate_CNBC_Bureau_of_Labor_statistics postedDailyBusinessNewsMHProNewsEach first Friday of the month the Labor Department’s Bureau of Labor Statistics issues its jobs report for the previous month—commonly called the U-3 number–an abundance of employment-related data, each of which has a story about the employment scene.

While the official unemployment rate held steady at 4.9 percent—called the “total unemployed, as a percent of the civilian labor force”– most economists look beyond that to what they call the U-6 number, which provides a broader perspective. That rate fell in June to 9.6 percent, the lowest level since April 2008, but rose slightly in July to 9.7 percent. It is defined as all the unemployed, plus “persons marginally attached to the labor force, plus total employed part time for economic reasons, as a percent of the labor force.” In other words, it is the unemployed, underemployed and the discouraged, as cnbc informs MHProNews.

Of concern is the labor force participation rate, which measures what part of the population is employed or seeking employment. That rate rose one tenth of a percent to 62.8 percent.

While job growth was only 24,000 in May, June’s numbers swelled to 292,000 and July another 255,000 jobs were added, statistics which have fueled a rise in wages following several years of tepid growth.

July’s average hourly wage rose to $25.69, while weekly wages hit $886.31.

Jobs are an important battleground in the race for the White House. Democrat Hillary Clinton has called for an increased spending in infrastructure programs, promising workers in a speech outside Denver “millions of jobs with rising incomes.”

Republican candidate Donald Trump meanwhile claims the Obama administration has allowed American companies to ship jobs overseas without creating growth at home. Trump also noted that then-Senator Clinton promised jobs in New York state that didn’t materialize.

While ten million jobs have been added since President Obama took office, it is the equivalent of about half the jobs added during Bill Clinton’s tenure in the White House, and a bit less than those added when Ronald Reagan was president.

Meanwhile, according to cnsnews, 94,333,000 Americans were not in the active labor force in July, just a bit of improvement from the 94,517,000 in June.

In July, while the unemployment rate remained at 4.9 percent, the number of those unemployed dropped 13,000 to 7,770,000, as the number of those employed rose 420,000 to 151,517,000.

The nation’s civilian noninstitutional population, comprised of all people 16 or older who were not in the military or an institution, reached 253,620,000 in July. Of those, 159,287,000 participated in the labor force, either holding a job or actively seeking one, equaling 62.8 percent of the 253,620,000 civilian noninstitutional population.

The Congressional Budget Office (CBO) issued a report in July predicting that the labor force participation rate will fall to 58 percent in 2046. The number obviously may change based on any number of demographics, a change in male and female roles, economic conditions, technological developments as well as medical breakthroughs that could increase the age of the work force.

However, if the labor force participation hits 61 percent in 2046, the higher gross domestic product (GDP) would lead to increased revenues, higher interest rates, smaller budget deficits as well as less federal debt.

Conversely, if labor participation drops to 55 percent in 2046, the slowdown in economic growth will result in larger budget deficits and more federal debt.

Finally, the CBO forecast that the labor force will grow at the average rate of 0.4 percent per year during the coming 30 years, compared with 1.5 percent from 1966 to 2015. ##

(Graphic credit:CNBC/Bureau of Labor Statistics–labor force participation rate)

matthew-silver-daily-business-news-mhpronews-comArticle submitted by Matthew J Silver to Daily Business News-MHProNews.

 

Clinton’s Economic Fix

January 21st, 2012 Comments off

MHProNews has learned from NationalMortgageNews, former President Bill Clinton’s plan to resolve the housing crisis is for underwater borrowers to receive lowered principal and interest rates that match current valuations. Once the market recovers and the house is sold, the bank would get a portion of the sale. This would keep bad debts off the bank’s books. Speaking at the National Retail Federation’s Annual Convention and Expo, Clinton says our economic crisis has become an identity crisis: “It has gone to the core of people’s sense of who they are, what they are worth and how they get through life with meaning.” He says history tells us over the past 500 years it has taken five to ten years for a country to recover from a financial disaster; but crises related to privately-held mortgage debt have required closer to ten years to recover. “If you want America to return to a full-employment economy, you have to accelerate the resolution of the mortgage crisis,” he says.

(Photo credit: Wikipedia)