Posts Tagged ‘business’

Canadian and American Financial and Banking Systems Compared, Infographic

May 16th, 2018 Comments off


The Daily Business News reports every day on Canadian based companies as well as U.S. based firms in our evening market report.  But it’s been a while since we’ve taken a broader look at the Canadian market, or done a comparison with how U.S. and Canada are similar and differ.


So, the following interesting Visual Capitalist infographic is a step toward providing a look at life north of the longest peaceful border on planet earth.

As is widely known, Canada avoided much of the turbulence that was experienced in the U.S. during the run up to and since the 2008 mortgage/housing crisis.  But like the U.S., affordable housing is an issue north of the border.

Manufactured housing regrettably experiences resistance on either side of the 49th parallel.

Against that backdrop, per RBC Global Asset Management and VC:

General Differences:

Historically, the Canadian banking system favors a limited quantity of banks, and many branches. It also carries the British influence of valuing stability over experimentation. Meanwhile, U.S. banking is more decentralized and localized, and more open to experimentation. This has led to trial and error, but also the world’s largest bank system.”


Regulatory Focuses

Canada’s banking system tends to promote safety and soundness, while the American system keys in on privacy, anti-money laundering, banking access, and consumer protection measures.”


Market Environment
The Canadian market is worth C$142 billion (US$111 billion) per year, while the U.S. market is over 10x bigger at US$1.4 trillion. Interestingly, these market sizes explain why Canadian banks often seek growth opportunities in the U.S. market, while U.S. banks just focus on the massive domestic sector for growth.”

Number of Banks

There are 85 banks in Canada, and 4,938 in the United States.”

Market Share
Canada’s five biggest banks hold a whopping 89% of market share, while America’s five biggest banks only hold 35% of market share.”



To see of download the full sized version of this infographic, click here or the image above.

MHProNews will also take this as an opportunity to link up under related reports below of some of the previously published Canadian-connected manufactured housing news. ## (News, analysis, and commentary.)

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

Related Reports:

ECN Triad Financial Services – Fascinating Facts, Manufactured Home Industry Professionals, Investors

‘Trailer Park Boys’ Death Focuses Manufactured Home Industry, Homeowners Challenge

New Mortgage Lending Changes Impacting Hundreds of Thousands of MH Owners

Tricon MH Community Stock Insider Trade, Plus Manufactured Home Market UPdate$

UPDATE: MHC Future in Doubt, the Other Side of Rent Control



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Impact of Fear – Manufactured Home Sales, Business, Investment, Zoning, Politics, Media, Manipulation, and You

January 12th, 2018 Comments off

Americans must recognize, says Harvard psychologist Susan David, that “A familiar story is not necessarily a truthful story.”

In “The Science of Fear-Mongering: How to Protect Your Mind from Demagogues,” Harvard psychologist Susan David explains “the dangers of fear-mongering, the questionable ethics of journalism in spreading hate politics, and the disturbing way that repetition wears down our brain’s resistance to fallacies and hate speech,” per Big Think’s YouTube post.


David notes that feelings of safety, right, comfort – their opposites – along with the role that repetition plays, are all part of the “the science of fear mongering.

What has arguably gone under-explored in the manufactured housing industry is the role that fear plays with:

  • Prospective buyers,
  • public officials (think, zoning – votes),
  • investors, business people (being in – or not in – ‘the group,’
  • media,
  • educators,
  • industry members themselves – what causes you or others to think and behave as you do,

plus all others.

Composite still from the video, posted below.

Susan David’s Video

David’s 8-minute video has a left-of-center slant that would be common among many in Harvard. With that caveat and bias in mind, she nevertheless makes important points for manufactured housing professionals to consider.

How is feared used to condition people, for-or-against something?

What role does propaganda play in fear?

Benson Demonstrates How “Propaganda Works” on “Most Americans”

Customers are often driven by a variety of fears.

For instance in sales, there’s the notion of the ‘fear of loss’ – rising interest rates, pricing, a closeout model, or that perfect vacant home-site are but some examples – that have often been used as a real or imagined pressure point to ‘close the deal.’

But among customers, there are other fears.

What about fear caused by the economy? Or how fear of “X” – fill in the blank for x – affect my job?  Will there be a war with North Korea, Red China, or Russia? Will terrorists strike?

Then there are also fears caused by social pressures, or safety concerns.

Those kinds of powerful emotional drivers are reasons why videos and articles can be useful in helping a customer overcome a false fear.  Facts – properly understood – can overcome fear. An example from is posted below.  But there are hundreds of others that address specific issues, often from the vantage point of the home owner or an expert.

Hurricane Irma Florida Survivor Relates First-Hand Manufactured Home Safety, Durability Experience

David’s point is one that impacts investors, and all professionals.


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Fear can cause people to do – or not do – something that their normal value system would cause them to be inclined to do.  Pollsters, for example, recognized that a percentage of “the Trump voters would not always say what they believed. Isn’t that a social acceptance fear at work?

Is fear manifest in other ways within the manufactured housing industry?  Isn’t the only answer, yes?

David asks, “How do we thrive in a world where every which way we turn our fear is being activated by politicians, by the media and by the desperate events that are happening around us?”

Spotting fear, and recognizing techniques of manipulation are perhaps as or more important today than in years gone by.

Why?  Because when people are ‘busy,’ they often default into patterns – instead of questioning, based upon evidence, those patterns and beliefs.

What is really fascinating when we look at the brain research around fear is that our brains proxy anything that feels unfamiliar, incoherent or inaccessible as being unsafe,” says David.

There is fascinating research that shows that when people have lower levels of self-esteem and they are in a job in which they are recognized and promoted, that promotion can feel incoherent to the person with low self-esteem. They have low self-esteem and they might be used to and expecting to be treated badly. So what is fascinating is the results showing that when people are promoted when they have a lower levels of self-esteem they are more likely to leave their jobs,” the psychologist explains.

Fear is an incredibly, incredibly powerful force in our lives and our brains are fairly immature in assessing anything that feels slightly incoherent for unfamiliar as unsafe. What this might mean is that if you are used to hearing a story time and time again from a parent or from a partner about how you are not good enough, you are more likely to be drawn to that relationship because it feels familiar,” she says.

David adds that, “Fear has always had a hold on us, but never with such fervor.”

Media savvy professionals recognize that fear must be overcome.

But how often do professionals consider that habit combined with fear can be coercive?

What are the ways that fear and manipulation tactics may be used against you, your customers, or others that you know? We Provide, You Decide.” © ## (News, analysis, and commentary.)

Note 1: Stay in the know! Thousands of MH Pros, Investors, Officials and Housing Experts do it. You, your team, and industry colleagues can sign up to the MH Industry leading headline news/updates – typically sent twice weekly – click here to sign up in just seconds.

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MHCommunity & Other Curation – Business, Marketing, Investment Info for Manufactured Housing Industry Professionals

January 8th, 2018 Comments off


Near the close of 2017, Guy Benson spotlighted a simple, troubling point.

Propaganda works.

Be it Benson, or other articles that utilize third-party sources, those are ‘curated’ on the Daily Business News for the manufactured housing professional.  So there is a mix of original reports, often due to news tips from readers, as well as curated reports that include a uniquely framed, factory-built home perspective.

As a recent survey demonstrated, a sizable slice of millennials say that embrace socialism. The rise and popularity of Bernie Sanders underscored that same reality.

Troubling New Study Reveals a Millennial Trend, Business, Economic, Political Impact 

Yet socialism and free enterprise are at odds with each other.

“Death by Government,” Fascism, Communism, Socialism, ‘Big Brother,’ per Williams, Rummel and Owens

Translation? Why does this matter for manufactured housing owners, and investors?

The problematic bottom-line is this.

If your business has millennials, it’s likely you have people on your payroll voting against your interests.

Of course, they have the right to vote as they wish. But don’t they also have the right and need to understand sound industry, economic, and policy principles?

It’s cheating all involved if facts and demonstrable truth aren’t examined.


While manufactured housing is often thought of as ‘rural,’ the sprawling 800 home site manufactured home land-lease community of Sterling Estates, in metro Chicago, is an example of how manufactured homes are found in cities too. The only place that modern manufactrured homes could not be easily used in a city environment are in the dense, high-rise parts of a city.

MHC Example

From our consulting side, a client’s manufactured home community that was visited had staff that were audibly speaking out against the property.

They did so in ways contrary to the interests of the owner and their business. As the MHMSM team member approached, they had no idea if that person was a prospective customer, or now.

How many sales had that location lost that way?

Is that a problem – or one similar to it – occurring at your location(s)?

With generic and specific insights like these and others, the Daily Business News frames issues with curated content, to be an educational resource that can – over time – boost manufactured housing professional ethics and performance.

So, what’s “Curation?”


Some news articles are clearly connected to manufactured housing, but they still merit analysis, refinement, fact-checks, and corrections as needed.  The recent Skyline-Champion deal spotlighted a claim that if it was not understood by the reader, would have led to a misunderstanding about a significant manufactured home reality.


Media Bias

MHProNews has carefully – and routinely disclosed – the left-right media tilt.

For example, every curated market report includes data and headlines from left-of-center CNN and Bloomberg, as well as from right-of-center Fox Business. The chart and link that follows will be useful (those two are examples of curated content, framed with the manufactured housing professional in mind).

Reports, Reflections on Media Tilt, Bias, Ignorance, and Manufactured Housing

Data is hopefully accurate facts, like what a stock closed at. But it’s a revealing exercise to compare and contrast the often wide disparity between those left-right media sources – which we list with bullets from CNN Money and Fox Business.

No one in manufactured housing history had done these types of things to such a degree as MHProNews has.

The Daily Business News has been following this practice for years.  Perhaps its one of many reasons why readers like you made us (thank you) #1.



Unsolicited input from industry readers tells us that our readers include, but aren’t limited to:

• Company owners, presidents, and C-Suite,
• Sales professionals,
• Investors,
• MH Community and other MH managers and executives,
• Association executives and their staff,
• marketing, PR, and other company or outside contractors,
• Public officials (mostly federal, but some state and local),
• Media,
• Educators and other researchers,
• non-profits,
Other housing professionals and advocates, etc.

All of these – regardless of age – clearly find content here they find relevant.

Media Tilt, Ours Included

All media, frankly, have some tilt that may be political, economic, or reveal other tendencies, and bias. That’s why charts like the media bias chart shown is useful.


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

Disclosure: MHLivingNews and MHProNews have a tilt too. It’s this. We’re passionately:

• pro-consumer,
• pro-industry,
• pro-American, and
• pro-MH best practices.

An analogy is useful. You don’t often find a tech media writer who is anti-tech.

Similarly, we’re pro-MH. Mainstream media, or educators, investors, public officials, policy advocates from outside of MHVille don’t expect to find a source that is opposed to their own industry.

But just as Car and Driver may publish news of a recall or other problem, we too protect our balance and the reputation of the industry, for instance, by calling out those alleged, and so-called “bad actors.”

“Jail Him!” NPR’s “Mobile Home Park Owners Can Spoil An Affordable American Dream” Refuted

Alleged Bad Actor Faces Lawsuit, Foreclosure

Community owner arrested for using front loader to evict residents

Bad stuff allegedly happens in manufactured housing retail too.

Manufactured home retailer arrested, charged

Former Manufactured Home Sales Employee Arrested

“Texas Park Girl” Set for Trial

Stories like these serve many purposes, including a kind of real-life morality tale.  Some believe they won’t get caught if they do bad things to other people.  In fact, they often do get caught.

The bottom-line for the industry professional is this.


MHProNews curates and comments with a simple goal of making manufactured housing professionals better informed and thus better able to do their jobs.

We do so with a long-term view of the industry’s potential.


There are broadly speaking two kinds of MHProNews readers. Those who share links to content they find on MHProNews, and those who keep what they find to themselves. Which kind of reader are you?  The impact is greater, when you share what you find worthwhile with others.

We don’t whine about a problem. We strive to pro-actively dive in with information and/or solutions that can lead to bottom-line difference.

Perhaps these are reasons why an executive wrote last year to say,

Tony, If MHProNews is writing about it, I want to know about it.”

Leaders are readers.

This post is both a flashback, but also forward looking.

Because in the days ahead, we will produce ever more curated content from third parties, which will come with the analysis and commentary that our long-time, faithful and growing numbers of readers have come to trust and expect. ## (News background, analysis, and commentary.)

Note 1: Thousands of MH Pros, Investors, Officials and Housing Experts do it. You, your team, and industry colleagues can sign up to the MH Industry leading headline news/updates – typically sent twice weekly – click here to sign up in just seconds.


Note 2: Business development, training, web, video, consulting, expert witness, or other professional services, click here. Using our services supports our industry leading trade publishing, yielding good ROI/benefits to you.

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Troubling New Study Reveals a Millennial Trend, Business, Economic, Political Impact 

November 15th, 2017 Comments off

SocialismScreensWomanLookingDailyBusinessNesMHProNewsTruth can be taught and caught.

But so too can error, delusions, deceptions, and lies.

People will believe a big lie sooner than a little one, and if you repeat it frequently enough, people will sooner or later believe it,” said Walter C. Langer, a psychoanalyst.  That observation of Langer’s is very much in keeping with tenants of the propagandists who caused the rise of National Socialists – the Nazis – as well as of communist leaders, like Lenin, Stalin, Mao, Castro, and others.

MHProNews periodically hears and receives unsolicited comments about millennials and their attitudes on issues that impact their work, views and voting.

It’s an issue in the minds of many in management, employers and owners.

Also important, how do people who don’t grasp “the American way” discover the American Dream, including home ownership?  How do those who misunderstand concepts such as free enterprise, and private property respond to policies that may oppose that system and those rights?


A new survey performed by YouGov reveals that some 44 percent of Millennials accept socialism, slightly more than those who favor capitalism.

While MHProNews believes that the better term to use is free enterprise as opposed to capitalism – because the term “capitalist” was coined by socialist Karl Marx, and thus plays into their narrative – nevertheless the trend ought to be a concern.

Nor are they alone in holding that or other troubling views.  The study was commissioned by the Victims of Communism, a non-profit group.  It’s called their “Annual Report of U.S. Attitudes Toward Socialism.”


In a release to MHProNews, here are some of that group’s top-line discoveries.


Screen capture from the full survey, a handy download that could be shared at at team meeting, or for individual reading.

Communism was and is still a problem—up 5% from 2016.

Americans still have a lot to learn about communism 5 7 in 10 Americans either don’t know the definition of communism or misidentify it.


The solution to the divide is more opportunity, not less. See video, below.

7 out of 10 underestimate number killed by communism.  It should be noted that a university researcher in Hawaii has published on a related topic, and he found that those that died under godless Nazi or communist systems far outweighed all those that died in so-called religious wars.


Is something happening in Venezuela? 6 in 10 are unfamiliar with Nicolás Maduro.

Communist leaders are cited as heroes to their countries by 10-20% of Americans.

The entire survey can be downloaded at this link here.

Why Should Business or Investment Professionals be Concerned?

Among the elements of concern that should be of concern to business professionals and politicos are points like these.

Millennials, per the YouGov research, while increasingly understanding of ills of communism, have a disconnect between communism and socialism.  More are willing to opt for socialist nation than a free enterprise based economy.  For those who believe that government is the solution for anything, the very issues – such as affordable housing, that free enterprise is proven for centuries is the best solution – will only increase.

Will Various PreFab, Factory Built Homes Become Los Angeles’ Affordable Housing Solution?

Thus, is it any surprise that so many millennials were willing to support Bernie Sanders in the 2016 Democratic race for their presidential nominee?

America, Manufactured Housing & Debate Over Minimum Wage$

While the Donna Brazile book bruhaha has underscored the “rigged’ nature of that contest, perhaps equally troubling for business professionals and investors is this.  With millions of millennials embracing socialistic concepts, and given their growing influence at the ballot, could the day come that they vote ever more socialists into office?

“Hacks” – Explosive 2016 Campaign Claims by Former DNC Chair, Donna Brazile

Considering what took place in Venezuela, which a decade ago was a relatively prosperous nation, could that happen in America?


MHProNews intended to continue to develop the industry’s first and still best professional resource that identifies opportunities, doesn’t ignore problem areas, while promoting common-sense solutions. Still from the video below.

The Republic of California…and a Direct MH Connection

An industry professional with deep ties to the community sector of manufactured homes said this to MHProNews in a recently emailed statement. “California does not believe in property rights, plain and simple. We want your single family home rezoned multifamily, so you can’t rebuild your dream home. What’s yours is mine what’s mine is mine.”

Indeed, others in various parts of the country have told MHProNews something similar about their difficulties with local officials, and not always from so-called blue states.


If the roots of the problem are misinformation, isn’t the only solution good information?

The parent company to MHProNews did a test, by hiring a millennial who was a Bernie Sanders supporter. While that person ultimately didn’t work out as a team member, by providing that person who specific reading and viewing assignments, several mistaken economic and political notions where significantly modified.

That person’s work product also improved as a result.

Just as many employers are finding it necessary to do remedial education and training, perhaps the same needs to be done for those workers who may hold to such demonstrably mistaken views.

MHProNews began a periodic series of reports some time ago that focused on general economic, political and other issues – for example, the minimum wage – and how that actually works in practice.

Only understanding and clear thinking can counteract propaganda and deception. Truth can and should prevail, but it will do so only if it is passed on, person to person. “We Provide, You Decide.” © ## (News, analysis, and commentary.)

Related: For marketing, training and other MH Professional Services, click here.  Our thanks to those who directly or through social media have sent notes of appreciation for our coverage.

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Governor Announces Hurricane Recovery Loan$, Business, Homeowners, MH

November 3rd, 2017 Comments off

HouseLoansManufacturedHousingIndustryPixabayDailyBusinessNewsManufacturedHousingIndustryResearchFinanceReportsDataIn a program that manufactured homes qualify for, “The town of Fair Bluff will receive $1.85 million to help rebuild homes damaged by Hurricane Matthew and improve the town’s water supply, Governor Roy Cooper announced Thursday in a release to the Daily Business News.

This followed a previous announcement from the governor’s office that “funds will be matched by private lenders to provide at least $15 million in loans available to small businesses in Matthew-affected areas, especially in Robeson, Cumberland, Edgecombe and Wayne counties.”

Similar programs are available in other states impacted by this year’s hurricane season.


Post-Hurricane Matthews, NC, photo credit, Pulse Headlines.

North Carolina Emergency Management will help repair, rebuild and elevate single-family homes, as well as rehabilitate manufactured housing,” per their statement to MHProNews.


For more details, click here to see the current and previous release from Governor Cooper’s office.


Industry professionals, including manufactured home community operators in impacted areas, should consider contacting their state association for potential additional insights and guidance.   © ## (News, Analysis.)

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

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Workplace, Business and Career Success, Emotional Intelligence, Manufactured Housing, and You

October 19th, 2017 Comments off

EQEmotionalQuotientRealValueEmotionalIntelligenceVisualCapitalistDailyBusinessNewsMHProNewsGenius. Empathy. Skills. Each has a role professionally.

While IQ is important, EQ – the “Emotional Quotient,” says Jeff Desjardins – is what separates genius, and understanding.

That’s the value of Aumann Bender & Associates groundbreaking work in “Emotional Intelligence.” 

Manufactured Housing – Work Types

The HUD Code manufactured home industry is made up of numerous types or kinds of work, and various styles of workers.

For example:

  • Factory,
  • Financial Services,
  • Retail and Wholesale,
  • Communities, Developers,
  • Association and Non-Profits,
  • Installers, Transporters,
  • Consulting, Experts,
  • Marketing, Business Development, Communications,

and so on. Beyond those are others that the industry interacts with, such as public officials and the media.


While intelligence, native skills and other factors are useful in these varied categories found in manufactured housing, so too is the ability to empathize and relate to others.

Defining Emotional Intelligence

JeffDesjardinsFounderEditorVisualCapitalistDailyBusinessNewsMHProNewsDesjardins in defining EQ says, “Have you ever met an entrepreneur with so much empathy and awareness, that they can read people in every situation and relate? Or a salesperson that will always genuinely put your success ahead of their own personal gain?”

He says that those qualities are useful in business and other fields of work, “These are powerful qualities – and emotional intelligence is all about the ability to better navigate social situations, including with colleagues, bosses, and clients.”

Desjardins states that, “emotional intelligence explains why 70% of the time, a person with an average IQ can actually outperform a person with more smarts.”


Because, “Even if someone is smart in terms of IQ, it doesn’t necessarily translate to career success.”


“Cold, Hard Facts” EQ and IQ – QUANTIFYING EQ

Although the topic of emotional intelligence may seem “touchy-feely” for some,” says Desjardins, “the benefits of having a higher EQ are cold, hard facts to ponder.”

The Visual Capitalist editor then lays out his bullets, using Aumann Bender & Associates research and infographic.


  • A whopping 90% of top performers have high EQs
  • Emotional intelligence explains 58% of a leader’s job performance
  • People with higher EQs make an average of $29,000 more per year than people with lower EQs
  • Every one-point increase in EQ equates roughly to $1,300 in annual salary
  • Research shows that EQ is crucial across all industries and sectors


Using those bullets, Desjardins says, “the next time you’re looking at how to get an edge at the workplace, consider that it’s not just knowledge or skills that you should be after.”

Discovering and Applying Insights for Manufactured Housing Success 

That manufactured home professionals need to connect better with the rest of the world is clear from the fact that the industry’s market share is small, yet the need for affordable housing is so great.  Could EQ – greater empathy – be a tool in tapping into the industry’s tremendous potential?


Image collage by and

The EQ infographic itself – found below – is clearly tilted left in terms of those personalities that are featured.

While the left-right media guide doesn’t have a list for those types, just knowing the personalities makes identifying the politically correct tendencies of those shown easy to spot.

That politically correct tilt noted, the value of EQ clearly crosses political, economic, social, religious, professional or other spectrums. Many can exhibit the qualities – and benefit from the insights – found in Aumann Bender & Associates work on EQ.



Desjardins said, “Sometimes there is a higher ROI in the “soft skills”: being more self-aware, learning how to effectively express your opinions or emotions, finding ways to bounce back from adversity, or managing stress or negative emotions can be more important than technical skills in improving career performance.”

Hiring?  Interacting with others?  Seeking understanding?

Each of the points above are worthy food-for-thought for leaders, human resource specialists, and those who are climbing the ladder of success.

We Provide, You Decide.”  © ## (News, management, leadership, analysis.)

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Association, Business, Professional Leaders Sound Off – MHVille, October 2017

October 6th, 2017 Comments off

ExtraExtraReadAllAboutItSocialNormsPGCC-eduDailyBusinessNewsMHProNewsIn “Interview with the Commissioner,” Manufactured Housing Association of Oklahoma (MHAO) Executive Director Deanna Fields, shares her insights on engagement – past, present, and planned – with public officials, and how that benefits the industry.  Click here.

In “Healthy and Unhealthy Personal and Professional Promotion,” best-selling author and consultant Tim Connor, CSP, outlines where the lines are – what’s right and what’s wrong – with various types of promotional efforts. Click here.

Ross Kinzler has sounded off on Congressman Keith Ellison’s recent manufactured home community, and finance, related published commentary.  That article will be coming soon to the Daily Business News. A well-known community professional is joining that discussion.

In “Sustained Manufactured Home Production Growth in August 2017,” Mark Weiss, JD – President and CEO of the Manufactured Housing Association for Regulatory Reform (MHARR) – provides a snapshot of the latest facts on shipments.  Click here. A recent Daily Business News analysis of that data is found at this link here.

Another respected association leader sounds off in, “Kudos from Tim Williams to MHProNews on 9th Anniversary Celebration,” to see Williams’ kind words of encouragement, click here.


MHProNews has been goal and solution oriented from day one. Manufactured housing is the solution to the affordable housing crisis that is hiding in plain sight. Together with profesisonals who are passionate about advancing the industry,, MHProNews and our sister site – are promoting the Manufactured Housing Revolution.

In Overlooked Lending Option, you’ll see a finance source that’s competitive and…overlooked. As past, present and future reports on MHProNews have demonstrated, there are plenty of manufactured home lending options that for various reasons are just not getting the attention they deserve, yet, the mainstream home buying public wants them.  To check that article out, click here.

The above are just some of the first wave of Featured Articles in – Volume 9, Issue 1 – now published and live on the home page of MHProNews, in the featured article module.  Or you can scan and access them all by clicking here.


As thousands of daily, regular readers know, most of what you find here you’ll not find anywhere else in MHVille.

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

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Senator Marco Rubio (R-FL) Provides Safety, Business, and Citizens Recovery Tips, Resources

September 14th, 2017 Comments off
Marco Rubio Sen credit

Senator Marco Rubio, official photo. Graphic below, courtesy Senator Rubio’s office.

There has been bipartisan support for the pre- and post-Irma recovery efforts in Florida.

As was previously reported on the Daily Business News, Senator Bill Nelson has repeatedly praised state and federal efforts, see this link here.

But preparations and early recovery efforts doesn’t mean that all is well in the Sunshine State, as thousands of manufactured home residents and millions in conventional housing know.

Senator Rubio’s office provided the following safety and recovery tips to MHProNews. It is worth noting, for those considering the MHI annual event, that the very first tip from Senator Rubio is to stay off the roads.  Sources tell MHProNews that ‘several’ state association executives have cancelled their attendance, which begins on Sunday.

To learn more about that, see this link here.

Senator Rubio’s complete  Safety, Business, and Citizens Recovery Tips, Resources to MHProNews is found below.


Staying Safe: Recovering from Hurricane Irma

Tips for keeping you and your family safe:

· Stay off the roads. Emergency workers may be assisting people in flooded areas or cleaning up debris. You can help them by staying off the roads and out of the way.

· If your power is out, safely use a generator or candles.

· Keep generators outside and far away from windows, doors and vents. Read both the label on your generator and the owner’s manual and follow the instructions. 

· Never use a generator inside a home, basement, shed or garage even if doors and windows are open.

· If using candles, please use caution. If possible, use flashlights instead. If you must use candles, do not burn them on or near anything that can catch fire.

· Avoid plugging emergency generators into electric outlets or hooking them directly to your home’s electrical system – they can feed electricity back into the power lines, putting you and line workers in danger.

· Avoid downed power or utility lines; they may be live with deadly voltage. Stay away and report them immediately to your power or utility company.

· Once you and your family and friends are safe, Floridians who have sustained property damage from severe storms and flooding are urged to register with the Federal Emergency Management Agency (FEMA) at


· People should register with for information, support, services, and to apply for disaster assistance.

· Transitional Sheltering Assistance: FEMA may provide Transitional Sheltering Assistance (TSA) to eligible disaster survivors who are unable to return to their homes for an extended period and need shelter. TSA provides short-term lodging for eligible disaster survivors whose residence is uninhabitable or inaccessible. To be eligible for TSA, individuals and households must:


·        Register with FEMA for assistance.

·        Pass identity and citizenship verification.

·        Have a pre-disaster primary residence located in a geographic area that is designated for TSA.

·        Be displaced from their pre-disaster primary residence as a result of the disaster.

·        Be unable to obtain lodging through another source.

·        For those eligible, FEMA will authorize and fund TSA through direct payments to participating hotels/motels. The list of approved hotels is available at or call the FEMA Helpline (800) 621-3362 (voice, 711/VRS-Video Relay Service) (TTY: (800) 462-7585).

· The Red Cross ( can help you find aid and shelters.  Local organizations will establish shelters and provide vouchers for meals, clothing and a limited amount of personal goods.

Flood Insurance:

· National Flood Insurance Program (NFIP) policyholders may contact their insurance agent directly to find out if they are eligible for reimbursement for actions taken to protect their property. To file a flood insurance claim under the NFIP, contact your insurance agent immediately. You can also call 1-800-621-FEMA (3362) – select option 2 – to learn more about your policy, and be directed to the appropriate claims resource. 

Protecting you and your family from scams:

As people begin to recover and repair homes, be vigilant against those who wish to scam victims of this storm.  

· ALWAYS contact your insurance company before you hire a contractor . If the storm damaged your home, car, or property and you have insurance, you can start the claims process by calling your insurance company. If you plan to claim damages related to flooding or storm damage, you should verify that you have the right kind of coverage. If you don’t have a copy of your insurance policy, you can ask for one. Ask for an electronic copy of your policy—receiving physical mail may be difficult following the flood. That will help you verify your coverage. If possible, take photos and videos of your damaged property. Documenting damage will help you with your insurance claim.  

Watch out for:

· People who want you to pay up-front fees to help you claim services, benefits, or get loans.

· Contractors  selling repairs door-to-door, especially when they ask to receive payment up front or offer deep discounts.

· Con artists posing as government employees, insurance adjusters, law enforcement officials, or bank employees. It is easy to fake credibility and uniforms, so do not give out personal information to people you don’t know.

· Government employees never charge to help you get a benefit or service and will never ask for payment or financial information.

· Fake charities. Normally, legitimate organizations do not have similar names to government agencies or other charities; so if they do, it may be a scam. Never give out donations over the phone.

· Limited time offers. Anyone who offers you something and tells you that it is for a very limited time may be trying to pressure you into something that you could later regret. You should never be pressured to make a decision on the spot or to sign anything without having enough time to review it. Take your time, read and understand anything presented to you, and ask a trusted friend, relative, or attorney before acting.   

Don’t forget to:

· Contact your mortgage servicer. Talk to your mortgage lender right away and tell them about your situation. Damage to your home does not eliminate your responsibility to pay your mortgage, however your lender may be willing to work with you given the circumstances. If you don’t have your lender’s contact information, your monthly mortgage statement, or coupon book with you, you can search the Mortgage Electronic Registration Systems (MERS) or call toll-free at (888) 679-6377 to find the company that services your mortgage.

· Contact your credit card companies and other lenders. If your income is interrupted or your expenses go up, and you don’t think you will be able to pay your credit cards or other loans, be sure to contact your lenders as soon as possible. Ask your creditor to work with you. Explain your situation and when you think you might be able to resume normal payments. It is important to make those calls  before your next payments are due

· Contact your utility companies. If your home is damaged to the point you can’t live in it, ask the utility companies to suspend your service. This could help free up money in your budget for other expenses.

· After contacting the companies related to your most urgent financial needs, take a look at your bills and set priorities—including your mortgage, rent, and insurance payments. Given the countless people experiencing distress from the flooding, contacting your creditors may be difficult. Be persistent and make every effort to reach them. 

For veterans:

· If a veteran is displaced, and has lost their medication and no longer has a written prescription or bottle, they can contact the Health Resources Center Disaster Hotline at 1-800-507-4571 to speak with a representative. Get updates on the VA’s website.

If you need assistance, please contact my office at (202) 224-3041. ## (News, safety, recovery tips.)

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

SoheylaKovachManufacturedHomeLivingNewsManufacturedHousingIndustryDailyBusinessNewsMHProNews-Submitted by Soheyla Kovach to the Daily Business News for

NFIB Provides Vital Small Business Guide

April 3rd, 2017 Comments off

Credit: NFIB.

The National Federation of Independent Business (NFIB) is out with its 2017 Small Business Tax Guide.

The free publication helps small business owners to identify what’s new for the 2016 tax year, and outlines some of the reforms that the organization expects to see over the next few months as President Donald Trump works to move his tax reform plans forward.

Tax reform that starts with small business is one of the keys to unleashing a strong American economy. Approximately 75 percent of small business owners are taxed at the individual tax rate, not the corporate tax rate, because their businesses are structured as pass-through entities,” said the NFIB in a statement.

Tax discrepancies between corporate and individual rates must be addressed in this once-in-a-generation window of opportunity. There is tremendous optimism for this new Congress to repair and simplify a tax code that is holding back our small business economy.

Each year, small business owners cite taxes as one of their top issues, due to ever changing rules and punitive rates.


Credit: NFIB.

We are very active on tax reform, one of our key priorities for 2017. President Trump and Congressional leadership agree that taxes are far too high for both pass-through businesses and C corporations. The tax code strongly favors large corporations. NFIB believes that no small business should be paying a higher tax rate than Exxon Mobil,” said NFIB CEO Juanita Duggan.


Juanita Duggan. Credit: NFIB.

I have made it clear to Congress and the President’s team that tax reform starts with small business. Small business employs 58 million Americans and creates more than half of all jobs. If the purpose of tax reform is to grow the economy and create jobs, then it must focus on small business.

Duggan and the NFIB have been vocal and active leading up to, and after the election of President Trump, including a report last month about small business optimism being at it’s highest rate in 37 years.

We haven’t seen numbers like this in a long time,” said Duggan. “Small business is ready for a breakout, and that can only mean very good things for the U.S. economy. Business owners are feeling better about taking risks and making investments.

The NFIB 2017 Small Business Tax Guide is available here.

The small business optimism report is linked here.

For more from the NIFB on small business, click here. ##


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RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.

Small Business Optimism Index: January Results

February 17th, 2017 Comments off

Credit: Oprah.

Almost one month into the Donald Trump administration, things continue to look up.

According to the National Federal of Independent Business (NFIB) survey, small business confidence, which saw the largest month-over-month increase in the survey’s history in December, has now reached its highest point in more than a decade.



The stunning climb in optimism after the election was significantly improved in


Juanita Duggan. Credit, NFIB.

December and confirmed in January,” said NFIB President and CEO Juanita Duggan.

Small business owners like what they see so far from Washington.

The Index reached 105.9 in January, an increase of 0.1 points, the highest point since December 2004.

The continued surge in optimism is a welcome sign that economic growth is coming,” said NFIB Chief Economist Bill Dunkelberg.

The very positive expectations that we see in our data have already begun translating into hiring and spending in the small business sector.


Credit: NFIB.

The NFIB survey is a monthly snapshot of small businesses in the U.S., which account for most private-sector jobs and about half of the country’s economic output. Economists look to the report for a read on domestic demand and to extrapolate hiring and wage trends in the broader economy.


Credit: NFIB.

The January jobs report surprised pundits and disappointed critics, coming in strong and well ahead of ‘consensus,” said Dunkelberg.

NFIB survey results anticipated the strong showing as their optimism gets translated into hiring action. Gains in expected sales require more workers to produce output and handle sales. The increase in labor force participation was a welcome sign, suggesting that labor markets are not as tight as the unemployment rate indicates which went up, and that, as opportunities materialize and compensation rises, more workers will re-enter the labor force.

The report from the NFIB is based on a survey of 1,874 small business owners. According to the Small Business Administration (SBA), small companies represent 99 percent of all U.S. Employers.

We’ve had very low growth for years, mainly because small businesses have been tied down by regulations, taxes, and spiraling health insurance costs,” said Duggan.

Now they can see relief on the horizon, and they are much more optimistic about the future.

For more on last month’s NFIB survey and commentary from the manufactured housing industry, click here. ##


(Image credits are as shown above.)



RC Williams, for Daily Business News, MHProNews.

Submitted by RC Williams to the Daily Business News for MHProNews.