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Posts Tagged ‘Democrat’

Democrats 2020 Presidential Hopeful Polls Shows VP Biden Drop, Plus Senator Kamala Harris (D) vs. POTUS Donald J. Trump (R) “Matchup” Video

July 2nd, 2019 Comments off

 

Democrats2020PresidentialHopefulPollsShowVPBidenDropPlusSenatorKamalaHarrisVsPOTUSTrumpMatchupVideoMHProNews

CNN has announced their latest poll results all of which reportedly occurred since the Democratic presidential debates in Miami last week.

 

 

Insightful Quotes for Manufactured Home Business, Investors, and Professionals

 

For those who missed the debates, and want to see what may explain the shifts see the related reports above and below.

 

Rep SWALWELL Said “Pass The Torch,” Biden says No – Democratic Debates, Nights 1 & 2, Full Transcripts, Videos – plus MH Stock Updates

 

Senator Kamala Harris has surged past several of her fellow Democrats, and per CNN, is in striking distance of former Vice President Joe Biden.

 

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CNN’s polling unit SSRS reflected several different nuances that shed light on the moves up and down among Democratic ranks.

 

CNNJun28-302019PollTopDemPOTUShopefulsamongDemocratsChangeDailyBusinessNewsMHproNews

 

Apparently, a political junkie(s) called Let’s Talk Elections” who apparently lean left decided to do a hypothetical November 3, 2020 hypothetical matchup video between Senator Kamala Harris (CA-D) and President of the United States, Donald J. Trump.  

 

CNNPollJun28-302019PollDemsBestAmongWhitesBlacksDailyBusinessNewsMHProNews

 

While MHProNews disagrees with some of the state projections, it is certainly way too soon in any event. There are going to be months of economic, political, and “October Surprise” developments that can’t possibly be factored in some 500 days out.

 

CNNPollJun28-30BestDemonEconomyDailyBusienssNewsMHProNews

 

That said, the producer of this video did reveal several points to consider as to what states Democrats will be hoping to win. So, for those who want to see how Democrats theoretically might win, and how close it would be in 2020, this video is cleverly done.

 

 

But if the election where held, say, a month from today, why is this hypothetical outcome dubious at best?  Part of the reason is found in last night’s NFIB report, linked below.

 

NFIB President Touts Optimism, Says Capital Spending, Expansion, and Sales Expectations Drive Performance – Plus Manufactured Housing Stock Updates

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

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Submitted 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:

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Rent Controls and Manufactured Housing Restrictions Targeted in New Presidential Executive Order

 

President Trump Signs Executive Order on Affordable Housing Crisis, Ray of Light for Manufactured Housing? Plus, Manufactured Home Stock Updates

Federal Bill that MHI, Prosperity Now, NAMHCO Tout – MHARR Opposes, Why?

 

Shocking, True State of the Manufactured Housing Industry, plus Solutions for Profitable, Sustainable Growth – May 2019

 

 

 

 

 

 

Warren Buffett “Oracle of Omaha” HBO Documentary Berkshire Hathaway #Advexon Video

February 15th, 2019 Comments off

 

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It is important to be fair and balanced. This video has had some 1.6 million views since it was first posted on YouTube on Mar 3, 2017, almost 2 years ago.

 

To be precise, there have been 1,603,008 views as of the time of this Daily Business News on MHProNews post. It should be self-evident that the frame for this narrative is a positive one.  After all, how do you get access to interviewing the world’s currently 3rd most wealthy man without some assurance that the video you will produce is going to be a positive?

Here’s what the video page says: “Known as the “Oracle of Omaha,” Buffett is one of the most successful investors of all time. His Berkshire Hathaway owns more than 60 companies, including Geico, Duracell and Dairy Queen. The son of a U.S. congressman, he first bought stock at age 11 and first filed taxes at age 13. He has committed to giving more than 99% of his fortune to charity. So far he has given $28.5 billion. With friend Bill Gates, he launched The Giving Pledge, asking billionaires to donate their wealth.”

We link below various reports on Berkshire Hathaway’s manufactured housing brands, and some of the more important reports published here on MHProNews or on MHLivingNews.

 

 

The billions he’s given away is perhaps more complicated than it is made to sound.  But that will be covered at another time. Suffice to say for now that they are largely stocks given to foundations. According to the producers of the documentary, the causes they have supported are as shown.  They reflect Buffett’s left-wing, “progressive” political posture.

 

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Among the items mentioned or shown in this video?

  • The Moat
  • Circle of Competence
  • Kevin Clayton and Clayton Homes are briefly shown
  • Bill and Melinda Gates
  • Family life
  • Charlie Munger, Buffett’s partner and Berkshire Hathaway Vice Chairman
  • Value Investing.
  • The Solomon Brothers crisis.
  • That he says that he is an agnostic, plus details about his marriage and personal life.

There’s more. The Daily Business News on MHProNews may revisit this video later, on a slower news day. For the rest of the story, see the related reports, linked below. That’s this morning’s manufactured home “Industry News, Tips, and Views Pros Can Use,” © 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:

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Conquest Capitalism – Thoughts of Chairman Warren Buffett – Billionaires Campaign to Control Trillion Dollar Affordable Housing Market

CFPB and 21st, Second Shoe Drops? Flooring w/21st Mortgage Corp? Insider Tips

Warren Buffett’s Moat, Understanding Manufactured Housing Requires Grasping Strategic Economic Moats

Bridging Gap$, Affordable Housing Solution Yields Higher Pay, More Wealth, But Corrupt, Rigged Billionaire’s Moat is Barrier

 

News Tip, Document – Is Clayton Homes Engaged in False Down Payments? Deceptive Trade Practices?

News Tip, Document – Is Clayton Homes Engaged in False Down Payments? Deceptive Trade Practices?

 

God’s Sense of Humor, Tilting After Windmills, Manufactured Housing – Merchants or Crusaders?

HUD Code Manufactured Home Production Decline Persists – Time For Action Not Excuses

“The Illusion of Motion Versus Real-World Challenges”

MHARR Exposes GSES’ Failure On Chattel Financing Before Congress

“Restoring the Rule of Law To Manufactured Housing Regulation”

 

 

 

 

 

 

“Every Day has been a Fight,” Comparing Conventional with Modular Homes in New York City’s Build it Back, Post-Superstorm Sandy

October 30th, 2017 Comments off

HomeCollapsesUnderBuildItBackProgramMarineParkNewYorkCityNewYorkBuildItBackProgramDailyBusinessNewsManufacturedModularPrefabhomeBuildlingNewsThe New York Times, and others like the Sarasota Herald Tribune carried a recent news story about using modular construction in NYC’s “Build It Back” program.  The story provided an opportunity to highlight the pros and cons of off-site construction in a storm surge prone zone.

We are excited to see NYC embrace modular construction for this much needed rebuilding effort.  Those in the industry have long known that modular homes are higher quality and more durable than site built homes,” Tom Hardiman, Executive Director of the Modular Building Institute (MBI) told MHProNews.  

Hardiman’s comments were made in the context of his broader media commentary on what’s taking place in metro New York City.

NYCBuildItBackProgramDailyBusinessNewsMHProNews

NYC Build it Back logo provided under fair use guidelines.

That sort of superior building system dialogue may strike skeptical outsiders as ‘just industry talk.’  But the video below of a conventional house that was constructed under New York City’s “Build it Back” program highlights some differences that favor modular building.

The first video is about a conventionally built house under the Build it Back program that collapsed.

Among those interviewed in this first video are the neighbors, who noted in their own words that the building materials used in the conventional house were not adequate for the rebuilding task.

The next video features an interview with Lisa Palma McSherry, whose whom was badly damaged and eventually rebuilt, and later raised under the NYC Build it Back program.

Near the end of the video below she sums up her experiences by saying, “Every day has been a fight.”

McSherry walks through that fight to rebuild her damaged conventional home. Compare this to the modular home photos, further below, installed under this same program.

This third video, by an MBI member, visually demonstrates in a generic way the modular building process. While the process would be somewhat different under the Build it Back guidelines, the basic concepts are the same.

The NYTimes reported that, — “Nancy Fisher’s replacement home arrived on a truck. In four big pieces.”

WinnieHuNewYorkTimesPostedDailyBusinessNewsManufacturedModularPreFabHomeProfessionalMHProNewsEach one was lifted by crane and set atop concrete pillars in Midland Beach, a neighborhood on Staten Island that was swamped by Hurricane Sandy. Then the pieces were strapped and bolted together like giant toy blocks and utility lines were connected to make an elevated Cape Cod-style house,” said Winnie Hu, for the NYTimes.

Inside, the rooms were larger than she [Fisher] expected,” wrote Hu, “with gleaming hardwood floors, freshly painted walls and wide open views beyond the neighborhood to the One World Trade Center skyscraper in Lower Manhattan.”

It has taken five years after Superstorm Sandy struck the region, but New York City began turning to modular homes as a faster and lower cost option to onsite construction. “The replacement houses are part of the city’s controversial $2.2 billion Hurricane Sandy rebuilding program for homeowners, which is funded through federal aid,” per Hu.

Only 189 out of a total of 500 houses that will be rebuilt through the program are completed so far this month.

City Councilman Mark Treyger, a Democrat said, “Yes, progress has been made but it should not be celebrated because we have a long way to go.” Treyger, wants the city to reopen the program to more applicants.

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Tom Hardiman, Modular Building Institute, credit, Bisnow.

The Herald Tribune stated that, “City officials said that more than 20,000 people initially registered for Build It Back, most of whom lived in Queens, Brooklyn and Staten Island. Of those, about half never finished the application process and program workers were later dispatched to reach out to them. In 2015, they contacted 4,000 homeowners, 599 of whom returned to the program.”

While noting power lines or other challenges may not allow for a modular to be the solution in every case, nevertheless “Across the country, homeowners have increasingly turned to modular units to rebuild after a disaster,” said Hardiman.

Modular homes are more durable than traditional homes,” Hardiman said per Hu, “because the individual units, when stacked together, reinforce one another with, say, two layers of interior walls instead of one.”

ModularBuildItBackNewYorkCityManufacturedModularPrefabProfessionalDailyBusinessNewsMHProNews

Award winning retailer Stan Dye noted to MHLivingNews that with factory built homes, you can often pick them up with ‘two pickup points,’ and move them into position. That is only possible, said Dye, because factory home building is inherently stronger than conventional construction.

Hu walks through some modular history.

Modular units have existed, in one form or another, for more than a century, and include early kit homes sold by Sears, Roebuck and Co. and ready-made homes for World War I munitions workers in Nitro, West Virginia,” according to the Herald Tribune.

Today, modular units are increasingly sought for large-scale housing, ranging from Marriott hotels to apartments for Google employees,” noted Hu.

In New York City, “modular homes are expected to improve the rebuilding process,” Hu stated, according to Lou Mendes, chief operating officer of the Mayor’s Office of Housing Recovery Operations.

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Previously, “there have been delays because the extent of damage to an existing house was not known until it was already elevated, requiring major structural repairs to be made in the air,” the NY Times reported.

Modular homes eliminate such surprises, as factory built home industry professionals know.

ModularConstructionScheduleVsSiteBuiltConstructionScheduleModularBuildingInstituteLogoMBILogoMHProNews

In a heavily regulated jurisdiction such as NYC, the time line for conventional building can be longer, which means that the time savings for modular building can be proportionately shorter.

They are also time saving, because they are based on designs that allow the foundation and the home to be built at the same time, vs. sequentially.  Instead of the long, long build times, Mendes said he aims to have a homeowner in a modular home in four to six months.

It’s avoiding the “Every day has been a fight,” that off-site building with modular, prefab and manufactured homes offers the public, as veteran industry professionals know. ## (News, analysis, commentary.)

(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 on MHProNews.com.

Manufactured Housing Grassroots Reports by state

November 19th, 2014 Comments off

ian-sane-flickrcreativecommons-grassroots=credit-grassrootsreport-posted-daily-business-news-mhpronews-com450x360-Rick Robinson, general counsel for the Manufactured Housing Institute, tells MHProNews about two bills pending in Michigan, as well as other legislative topics from around the U.S. of general or specific interest to manufactured housing professionals.

Robinson says that the Michigan Manufactured Housing Association’s Executive Director, Tim DeWitt “informs us that, while both bills are positive for the industry and its customers, they are likely to die in the House during the state’s legislature’s current Lame Duck session.” 

The download for the Michigan related manufactured housing news items is found at the end of this article, below, one of which relates to the prior story on manufactured home communities reported by the Daily Business News at the link here.

I
n other news by state, Robinson says:

AK – Independent candidate Bill Walker was declared the winner of the Alaska governor’s race on Friday, after his lead rose to 1.7 percent as more absentee ballots were counted. Gov. Sean Parnell (R) conceded Saturday and pledged an orderly transition. Walker’s running mate, Byron Mallott, a Democrat, will be the next lieutenant governor. 
http://www.adn.com/article/20141115/parnell-concedes-governors-race 

CO – Rep. Dickey Lee Hullinghorst (D) was selected by her House Democratic colleagues on Friday to be the next speaker of the House. Rep. Crisanta Duran (D) was chosen as the new majority leader, giving the House an all-female leadership team for the first time in state history. 
http://www.denverpost.com/news/ci_26938025/colorado-house-dems-elect-states-first-all-female 

IL – Lawmakers reconvene Wednesday for the start of the veto session — their first meeting since Republican Bruce Rauner knocked off Gov. Pat Quinn (D) in the governor’s election. Democrats may use the weeks long veto/lame duck session to pass minimum wage legislation and make permanent an income tax increase before Quinn leaves office. http://www.chicagotribune.com/news/local/politics/ct-illinois-legislature-met-1117-20141116-story.html 

MO – Political pundits in Jefferson City, MO, and in Washington, D.C. are speculating that U.S. Sen. Claire McCaskill’s (D-MO) vote against Harry Reid for Senate minority Leader last week was a sign that she may be leaning towards a run for governor in 2016. Current Democratic Gov. Jay Nixon is term-limited in 2016. 
http://www.kansascity.com/news/government-politics/article3925111.html 

WI – State transportation officials submitted their budget request Friday and warned that lawmakers may need to increase the gas tax or vehicle fees in order to raise $750 million needed for state roads over the next two years. http://www.jsonline.com/news/statepolitics/dot-new-fees-tax-hikes-totaling-750-million-need-for-roads-b99391001z1-282749681.html 

Periodic grass roots reports, along with the Sunday morning manufactured housing news recap, will be easy ways for manufactured housing professionals to stay informed on key issues impacting the industry. ##

(Michigan grass roots report download, linked here)

(Image credit: Ian Sane/FlickrCreativeCommons)

Accessing Washington’s Political Power Brokers? Open your Vault.

October 30th, 2014 Comments off

campaign-finance-2-michael-francis-daily-business-news-mhpronews-2With the mid-term elections just a halfway point to the 2016 Presidential Election, the topic of donations to candidates once again has us in disbelief in the obvious padding of campaign war chests from Goliath donors.

Foster’s Daily Democrat  are among those telling MHProNews  that it’s no secret that poorly funded candidates tend to lose and well-funded candidates often win. $100 million dollars spent in a Senate race in North Carolina can buy a victory with an avalanche of TV, radio, internet and social media ads, glossy resumes and promises in your mailbox while volunteers knock at your door.

A CNN  investigation reported that since lobbyists can no longer give elected officials junkets to exotic lands, the candidates are inviting the lobbyists to lavish parties. Come for free, CNN reported, but the suggested donation to the Senator or Congressperson is $2500.

In the most expensive gubernatorial race this cycle, Florida heads the list, with an estimated $77 million spent to air over 137,000 ads. Florida is followed by Illinois, Pennsylvania, Texas and Michigan.

According to the reporting of OpenSecrets, an organization tracking political donations and spending, overall ad spending has broken $1 billion in federal elections and state governors’ races, with the total number of ads exceeding 2.2 million.

Top outside groups

According to OpenSecrets, Team Blue (Democrat) managed to force its way into the top echelon of big-spending outside groups – but Republican-leaning groups still occupy the majority of the slots at the top of the list of big spenders.

The outside group with the highest outlays this cycle is Senate Majority PAC, a super PAC closely affiliated with Senate Majority Leader Harry Reid (D-Nev.); it has spent $42.6 million. But Senate Majority falls to second on the list when super PAC American Crossroads and politically active nonprofit Crossroads GPS — the tandem of outside groups associated with Karl Rove — are considered together. These two – legally separate organizations, each of which have reported less spending than Senate Majority PAC — work closely; when their efforts are combined, their total spending comes to $46.8 million, giving them the title of top-spending outside organization this cycle. In 2010, this same pair was the top-spending organization, reporting a total of $38.2 million.

The remaining six members of the top 10 outside spending groups are conservative (including American Crossroads/Crossroads GPS). The Chamber of Commerce has disclosed spending $33.5 million this cycle and the National Rifle Association has spent $27.2 million, according to reports filed with the FEC.

Freedom Partners Action Fund, a super PAC that emerged from a network of dark money groups connected to the libertarian political financiers David and Charles Koch, received its first donation just four months ago, but rocketed to eighth on the list of top-spending outside groups, with $18.9 million. David and Charles Koch each gave $2 million to the group.

According to the Center for Responsive Politics, he number one donor of disclosed outside money is hedge fund manager Tom Steyer, followed by former New York City mayor Michael Bloomberg, who has given $20 million to super PACs, of which 98 percent went to liberal or Democratic recipients.

But despite those top two donors, conservative donors dominate the top 20 — 15 of them are conservative. The three other liberal donors are: Fred Eychaner ($7.9 million), George Soros ($3.5 million) and hedge-funder James Simons (and his wife Marilyn), who have given $3 million.

The top conservative donor to outside groups is Paul Singer, of hedge fund Elliott Management, who has given $9.3 campaign-finance-2-michael-francis-daily-business-news-mhpronews-million. Last cycle’s top donor — both to outside groups and overall — was Sheldon Adelson, owner of the Venetian casino in Las Vegas, who with his physician wife Miriam gave $92 million. This cycle, the Adelsons have given $5 million.

Other prominent conservative donors include Linda and Vince McMahon, who have given $2.6 million, and Robert McNair, the owner of the Houston Texans football team who together have given $3 million.

Topping the list of organizations contributing money to outside groups is the National Education Association, which has given a whopping $22.4 million to outside groups. Following the NEA are a slew of other labor unions — the Carpenters & Joiners Union ($11.2 million), the AFL-CIO ($7.6 million) and AFSCME ($6 million). These unions gave almost exclusively to liberal outside groups.

Whether we break it down by Republican or Democrat, Conservative or Liberal, a SuperPAC, a labor organization, a Special Interest Group, or just a person with a net worth more than some countries, they all want the same thing. Unfettered access to elected officials at the highest levels: The Senate, The House of Representatives, and most of all, the White House.

You decide if that donation can sway a decision on a crucial piece legislation that hurts the American public but helps those with the keys to the vault. ##

(Photo credits: Shutterstock)

michael-francis-daily-business-news-mhpronews-com-(Submitted by Michael Francis to Daily Business News – MHProNews.)

(Editor’s Note: MH related election commentary at this link.)

MHARR, MHI and GSE Reform, Background to Danny Ghorbani’s release and George Allen’s Planned “Story”

March 18th, 2014 4 comments

mhpronews-mharr-mhi-associations-graphic-manufactured-home-marketing-sales-managementOn Sunday, March 16 at 4:47 PM ET, a news release was received from the Manufactured Housing Institute (MHI) on the topic of the highly-charged issue of a Government Sponsored Enterprise (GSE, “Fannie and Freddie”) reform plan.

Some 3 Hours and 43 minutes later, at 8:30 PM on the same day, the first message came in from the Manufactured Housing Association for Regulatory Reform (MHARR) on the same topic. MHI’s full release on the topic of GSE reform is linked here, while the link to MHARR’s full release on the topic is found here.

In his message, MHARR’s President, Danny Ghorbani, claimed their “…calculated risk by MHARR that has now…” quoting their headline …achieves major victory.

While most industry professionals who follow these events would agree that this is certainly promising for consumers and the industry, the GSE reform legislation has a long way to go before it is becomes law. This is a one step along a longer path, as Ghorbani’s own statement from MHARR later acknowledges.

That fact begs the question, what makes this a bigger success than HR 1779 or S 1828, both of which are well underway?

It also raises the question, what was the “calculated risk” that Ghorbani’s message refers to in his release? Where is the “risk” in MHARR sending a position paper to the Senate Banking Committee?

Could it be that the “risk” Ghorbani refers to is that MHARR has not publicly supporting HR 1779 and S 1828? Isn’t it risky for their member-manufacturers and customers to not cover all possible legislative and lobbying bases, as MHI’s team has been doing on the finance and other issues?

MHARR claims MHI had a Single Focus

MHARR CEO Ghorbani’s message included this paragraph,

At a time when much of the industry was pursuing a singular focus on unsuccessful legislative modifications to the loan originator compensation and high-cost loan provisions of the Dodd-Frank finance reform law — and was unwilling to join MHARR in an  initiative on the much farther-reaching issue of GSE reform — the MHARR Board of Directors chose to advance the inclusion of all types of manufactured home loans and definitive action to end the discrimination that has dogged the industry’s consumer financing for decades, as part of the GSE reform process in Congress.”

As the numerous items that follow below demonstrate, the first part of this statement cited above is demonstrably in error. Namely:

At a time when much of the industry was pursuing a singular focus on unsuccessful legislative modifications to the loan originator compensation and high-cost loan provisions of the Dodd-Frank finance reform law –…”

Furthermore, as this Congressional legislative session is not yet over, none of these efforts – GSE Reform or Dodd-Frank reform – can be called a failure or a success.

So why is there a need for MHARR’s CEO to paint MHI’s efforts as a ‘failure,’ when the GSE effort is not as far along as HR 1779 or S. 1828?

Some MHARR officials and allied industry commentator in the dark?

Messages and calls from MHARR members, those aligned with MHARR and others outside of that camp to MHProNews seem to be unaware – or in some cases, won’t acknowledge – the fact that MHI has demonstrably been engaged on this topic of GSE reform for years, along with a variety of other issues in Washington. DC. Some examples will be shown in a down-loadable attachment, later below.

Agenda of Making MHI look bad, as a way of Making Ghorbani and Allen look more important?

broadside-darius-danny-ghorbani-president-mharr-george-allen-allen-letter-community-i ... actured-housing-institute-manufactured-housing-association-for-regulatory-reformOn Monday, after allegedly communicating with Danny Ghorbani, President and CEO at MHARR, George Allen sent an email to Rick Robinson, Vice President and General Counsel at MHI.

Robinson forwarded that email to Senior Vice President Jason Boehlert for response.

Allegedly, this email exchange has been shared with Ghorbani, Jim Visser, Ken Rishel and others linked to MHI and MHARR; and seems to accuse MHI of grabbing credit for work done by MHARR.

While sensational, the problem with this accusation by Allen against MHI, is that it flies in the face of the facts. But doesn’t this fit Allen’s self-description on his own blog of his activities? The word Allen used about himself, “agitate” includes the following definition from Google: “1) make (someone) troubled or nervous.”

The Google definition of agitator, is also insightful:

1. a person who urges others to protest or rebel.

synonyms: troublemaker, rabble-rouser, agent provocateur, demagogue, incendiary;

The Facts Say Differently

While some in the mix seem to take the position, ‘Don’t confuse me with facts, my mind is made up,’ a simple Google search demonstrates to the truth seeker that MHI has issued numerous updates on their activities in the GSE Reform arena.

A search of the articles published in the MHI News module demonstrates the same, and for those who attended the 2014 MHI Winter Meeting and Legislative Session, a briefing was given to attendee/members that coveted all of MHI’s lobbying and legislative initiatives, including GSE reform.

Clearly, MHI’s engagement on the GSE issue is a matter of public record and is no secret.

As MHProNews has documented in a series of articles, linked at the end of this report, George Allen has in his own words:

  • describes himself as one who agitates,

  • has gone from opposing Danny Ghorbani and calling him a flawed writer and leader, to now lauding him as a leader others should follow. The difference between recent and prior statements by Allen on Ghorbani?   Is it the MHARR paid ad and factories who Allen himself says are now paying Allen?

  • Allen has blasted MHI off and on for some two years for not buying him out when Allen wanted to retire.

Don’t such flip flops, contradictions, slanted ‘coverage’ and motivations beg a reasonable person to question the motivations and accuracy of Allen’s commentaries?

The Emails Between Allen and MHI – “We Provide, You Decide” ©

The exchange below is in a first-to-last message time sequence. They are word-for-word as the respective parties sent them, save the removal of the ‘signature (contact/disclaimers/resource)’ info at the end of each email and what amounts to ads from each of the respective emails. The typos in George Allen’s emails are in the original. The first message, as shown below, is to Rick Robinson at MHI.

Start of George Allen to Jason Boehlert at MHI Email Exchange

From: <gfa7156@aol.com<mailto:gfa7156@aol.com>>

Date: March 16, 2014 at 5:43:35 PM EDT

To: <info@mfghome.org<mailto:info@mfghome.org>>

Cc: <rrobinson@mfghome.org<mailto:rrobinson@mfghome.org>>

Subject: Re: MHI Housing Alert –  Senate Banking Committee Leaders Unveil GSE

Reform Plan – MHI Successfully Stakes out Ground for Manufactured Housing and

Personal Property Loans

Rick

When did MHI switch its’ primary legislative focus from Dodd-Frank regulatory
reform to GSE Reform? Didn’t seem to be that much of a priority during the
annual Legislative Conference last month in Arlington, VA. Here quoting directly
from this afternoon’s HOUSING ALERT from MHI:


“MHI Successfully Stakes Out Ground for Manufactured Housing and Personal
Property Loans” and “As advocated for by MHI, the legislative draft released by
the Committee includes language that would provide manufaturd home loans secured
by personal property with key access to a newly envisioned secondary market
mechanism.”

As exciting and hopeful as this news is, I’m wondering whether we’re indeed
reading/learning of a pure MHI effort to this much desired result, OR is there
more to this now quickly unfolding story, i.e. Is there someone else more
intimatly involved ‘in the mix’ who is NOT getting credit, in this email alert,
for drafting the language and lobbying for this legislative draft?

Frankly, I sense a story here….

GFA

George Allen


—–Original Message—–

From: Jason Boehlert <jBoehlert@mfghome.org>

To: GFA7156 <GFA7156@aol.com>

Cc: Richard Jennison <rjennison@mfghome.org>; Rick Robinson <rrobinson@mfghome.org>

Sent: Mon, Mar 17, 2014 11:32 am

Subject: RE: MHI Housing Alert – Senate Banking Committee Leaders Unveil GSE

Reform Plan – MHI Successfully Stakes out Ground for Manufactured Housing and

Personal Property Loans

George,

Thank you very much for your email.  However, I am unclear what you mean by “Is
there someone else more intimatly(sic) involved ‘in the mix’ who is NOT getting
credit, in this email alert, for drafting the language and lobbying for this
legislative draft?” We do not comment on the activities or actions of other
national organizations—that is not our role. Nor do we believe it serves the
interests of the industry or our members to do so.


Since MHI represents every facet of the industry—including builders, community
owners, lenders, supplier, retailers—our policy priorities are reflective of the
totality of our membership.  Dodd-Frank is a priority.  As are housing
finance/GSE reform, energy efficiency, tax, HUD Code and environmental issues
and we would never focus on one issue so persistently that it would be to the
detriment of the others. I know you did not attend, but GSE reform was
reaffirmed as an association policy priority during our legislative conference
and winter meeting and was discussed at length during the meeting of our
newly-formed government relations committee. The new government relations
committee has multiple representatives from each MHI division.


Expanding secondary market access for manufactured home loans, including those
secured by personal property has been a long-standing priority of MHI—dating
back to at least the duty-to-serve requirements that were included in the
Housing and Economic Recovery Act (HERA) in 2008.  We have, and continue to,
work with FHA, FHFA, Fannie Mae, Freddie Mac, Ginnie Mae, HUD, and the House
Financial Services and Senate Banking Committees to improve the availability of
financing options in the manufactured housing market, both from a residential
and commercial standpoint.

MHI represents every significant manufactured home lender in the industry and we
work hard to see that the totality of their interests—which are not limited to
Dodd-Frank/CFPB rule makings—are served.  Our efforts on GSE reform extend well
beyond the Senate Banking Committee’s recent legislative draft. If you are
suggesting that we have not been an active player in this regard, you are
mistaken. GSE reform has been an issue that has received very close attention
from our internal and external lobbying teams on an ongoing basis for several
years.

A sampling of our most recent activities include (but certainly not limited to):

· working with drafters of the underlying Corker-Warner bill (S.
1217)—which serves as the blueprint for the Senate Banking Committee bill—to
garner their approval for modifications of their measure that would expand
access for personal property loans

· communicating—both our internal and external lobbying teams—on an
ongoing basis with Democratic and Republican senior staff to the Senate Banking
Committee to include specific manufactured home/personal property language

·         providing key industry lending data to Senate staff to underscore the
need for specific statutory language

· facilitating an industry lender roundtable for Senate Banking
Committee staff—this panel of lenders, which represented the vast majority of
personal property manufactured home lending—provided the key information and
feedback needed by  committee staff to include manufactured home lending
provisions (which took place at our recent legislative conference)

· working to develop a consensus coalition position with consumer group
that are also seeking to expand personal property lending options for
manufactured housing

·  outreach to the Federal Housing Finance Agency (FHFA)—the
administration’s voice on GSE reform—to support legislative provisions expanding
manufactured home lending opportunities

· engaging an external lobbying firm whose principals include the most
recent Democratic Staff Director to the Senate Banking Committee (working
directly for Chairman Tim Johnson) and provided significant access to committee
staff drafting the legislation

As I hope you are aware, MHI’s involvement has not only been limited to the

Senate Bill. Our work also includes:

· facilitating the first-of-its-kind lending conference, sponsored by
then Rep. Joe Donnelly, in Elkhart, Indiana (which I believe you attended)

· improving the FHA Title I &II programs and opening Ginnie Mae to new
issuers (a work in progress)

· coordinating more than 1,000 comments in opposition to FHFA’s
duty-to-serve rule, which would ignore secondary market access for personal
property loans

· working to provide equal access for all mortgages in the House version
of GSE reform –the Path Act (which also includes specific MH relief from the
Dodd-Frank Act)

· testifying before Congress on three separate occasions over the past
three years on the need for secondary market access for manufactured home loans
secured by personal property—this does not include testimony provided prior to
2010 on the need to improve the FHA Title I & II programs for manufactured
housing

· more than 300 meetings conducted over the past three years with
Members of Congress specifically on the lack of credit access provided by the
GSEs for manufactured housing

· working directly with Fannie Mae and Freddie Mac to develop new
lending options for manufactured housing

I can only speak to the involvement of MHI, which has been continuous and
ongoing and substantial. Looking at the history, I think it is fair to say MHI
and its members have been leaders in working to expand manufactured housing
financing options for quite some time.

Best,
Jason


Jason Boehlert
Manufactured Housing Institute (MHI)
Senior Vice President of Government Affairs

________________________________________

From: gfa7156@aol.com [gfa7156@aol.com]

Sent: Monday, March 17, 2014 1:20 PM

To: Jason Boehlert

Cc: news@journalmfdhousing.com; ken@rishel.net; Rick Robinson

Subject: Re: MHI Housing Alert –  Senate Banking Committee Leaders Unveil GSE

Reform Plan – MHI Successfully Stakes out Ground for Manufactured Housing and

Personal Property Loans

Jason

You, in behalf of MHI did NOT answer the lead question in my email
correspondence dated 3/16/2014, to wit; “When  did MHI switch its’ primary
legislative focus from Dodd-Frank regulatory reform to GSE Reform?” You can
blather all you want about ‘A sampling of our most recent activities include
(but certainly not  limited to)’ to  cloud the issue – which I’m getting to –
but the fact remains, throughout the Fall of 2014 MHI had tunnel vision relative
to effecting Dodd-Frank regulatory reform.


The tenor of your sentence,”We do not comment on the activities or actions of
other national organizations – that is not our role. Nor do we believe it serves
the interests of the industry or our members to do so.” tells me you well
understand what I was referring to in the above-referenced email  message, i.e.
Quoting MHARR’s Press Release dated 3/16/2014:  “…MHARR today lauded the
inclusion of specific  MHARR-proposed language in the bi-partisan GSE housing
finance reform bill (S.1217)…(containing) “langaguage submitted to the Senate
Banking Committee in Septermber and October 2013….” There lies the crux of
this whole issue of giving credit where credit is due!


Being as new as you are to MHI’s staff, you can be forgiven for not knowing how
often in the past, MHARR and MHI have ‘worked together’ to effect federal
legislation, e.g. Manufactured Housing Impovement Act of 2000 is but one
example. And how both national advocacy bodies have, in the past, ‘commented
(appropriately &/or positively) on the activities or actions of other national
organization’ YES, that should be one of the rolls taken on by MHI even if it’s
not as commonplace today as it has been at times in the past.


Furthermore; speaking as a 35 year entrepreneur businessman in the manufactured
housing industry and land-lease-lifestyle community asset class, and 20+ year
direct, dues-paying member of MHI, I disagree with you! Interadvocacy body
cooperation/praise (as should have been in this instance!) does serve the
greater interests of the industry, and certainly its’ members!


I think it entirely appropriate, that sometime this week, MHI take steps to
right the  misunderstanding couched in the subtitle & text:HOUSING ALERT, i.e.
“…MHI Successfully Stakes out Ground for Manufactured Housing and Personal
Property Loans”, before someone else does it for you….


Need someone to do this  public relations magic for you? I can recommend
someone, if asked.

GFA
George Allen

—–Original Message—–

From: Jason Boehlert <jBoehlert@mfghome.org>

To: gfa7156 <gfa7156@aol.com>

Cc: news <news@journalmfdhousing.com>; ken <ken@rishel.net>; Rick Robinson <rrobinson@mfghome.org>; Richard Jennison <rjennison@mfghome.org>

Sent: Mon, Mar 17, 2014 3:05 pm

Subject: RE: MHI Housing Alert – Senate Banking Committee Leaders Unveil GSE Reform Plan – MHI Successfully Stakes out Ground for Manufactured Housing and Personal Property Loans

George,

I am sorry to hear you found my response to your original inquiry,
unsatisfactory. I believe I answered in an honest and thorough fashion. But, to
try and further clear things up:

1) MHI is a multifaceted trade association.  This requires us to multitask and
pursue multiple policy priorities at the same time. Our focus is not solely
limited to Dodd-Frank. It also includes GSE reform, HUD-MHCC issues, tax, energy
and environmental policies.  This does not require us to shift our focus, but to
add to it–and GSE reform has been a focus of MHI now for several years.

2) I do not work for MHARR. Therefore, I have no real knowledge of their
lobbying activities. As such, it would be wholly inappropriate for me to comment
on MHARR’s activities. Just as it would be wholly inappropriate for MHARR to
comment, with any real knowledge on MHI’s policy activities.

3) Had you been able to attend MHI’s legislative conference, you have
undoubtedly learned that MHI’s GSE reform activities have been substantial and
ongoing.  MHI’s GSE efforts have been significant and have unequivocally led to
this positive outcome.  I am sorry you are unable to see yesterday’s news as a
positive development for the entire industry.


However, if you feel additional clarification is needed please feel free to
contact MHI’s CEO Dick Jennison at 703.558.0678.

Jason

———-

From: <gfa7156@aol.com>

Date: March 17, 2014 at 3:47:48 PM EDT

To: <jBoehlert@mfghome.org>

Cc: <news@journalmfdhousing.com>, <ken@rishel.net>, <rrobinson@mfghome.org>

Subject: Re: MHI Housing Alert –  Senate Banking Committee Leaders Unveil GSE Reform Plan – MHI Successfully Stakes out Ground for Manufactured Housing and Personal Property Loans

Jason

You can dance around the issue all you want, but truth be told, GSE reform was not a primary focus for MHI during the last half of 2014. I am an MHI member read what little is sent my way these days.

Amazing. You & MHI claim no prior knowledge of the source of the language used in this bi-partisan GSE housing finance reform bill (S.1217), yet are bold to state: “MHI will continue in its’ role as the leading advocate for the manufactured housing industry to ensure that manufactured home finance opportunities are expended to the greatest extent possible in forthcoming housing finance reform measures.” By the way, in this sentence, did you intend for the word choice to be ‘expended’, rather than ‘expanded’ or some other appropriate non-dissipating word?

Of course I see yesterday’s developments to be of value to the entire HUD-Code manufactured housing industry. And I see MHI’s HOUSING ALERT, in the manner in which it was written, to be unequivocal grandstanding, when it’d have been highly appropriate, and much appreciated by ‘the entire HUD-Code manufactured housing industry’, if credit had been given where credit was truly do!

Thank You for fleshing out my story for this week, if nothing more newsworthy doesn’t come along.

GFA.

George Allen

—- end of emailed messages on this thread —-

An impartial reading of George Allen’s messages suggests is a either a lack of objective research into the ongoing efforts and engagement by MHI on the subject of GSE reform, or perhaps an effort to “agitate” (Allen’s word about himself) against MHI, and/or some other motivations.  Allen clearly implies his intent to write about this topic, which is certainly his right, but after reading this exchange, does an objective person believe that Allen will right about it in a fair and balanced fashion?  Or will Allen use this once more to “agitate” against MHI?

As noted previously,

  • a simple Google search revealed numerous links dating back several years regarding MHI engagement on the topic of GSE reform. Please see below.

  • A search on the MHProNews website proves the same point of MHI engagement on GSE reform that Jason’s replies state.  So does a review of MHI’s typically weekly reports, that go out to members like Allen, and as did the update briefings during their 2014 Winter Meeting and Legislative session that all referenced efforts by that national trade association on GSE reform.

Why Does Allen seek to Manufacture a new Controversy?

It should be noted that MHARR has indeed made GSE reform an issue they have pursued.

But what is lacking from MHARR’s President and CEO, Danny Ghorbani is the same credit to MHI’s efforts, that Allen allegedly seeks on Ghorbani’s behalf from MHI as a tip of the hat to MHARR.

Thus Allen and Ghorbani seem to want from MHI what they are unwilling to give themselves. On MHI’s part, Boehlert’s responses to Allen are polite and professional.

Prior to issuing this report, MHProNews reached out once more for comment to Messrs. Allen and Ghorbani. For those anxious to share their views to their select group of readers, they have opted not to state reasonable replies to our questions for the record to the largest professional audience in the industry.  Why are they ducking replies?

A copy of the questions sent to MHARR’s President and Vice-President are below, as are the questions sent to George Allen.

A download of the search results from Google on this date for “Manufactured Housing Institute” = “GSE Reform” produced the results shown in the attachment linked here, which also reflects search results found on MHProNews, both of which pre-date by months or years the MHARR initiative ballyhooed by Danny Ghorbani.

The initiatives in the Senate both MHARR and MHI reference provide reasons for hope for all in the industry.

By contrast, this apparent manufactured controversy detracts from what ought to be one of many joint steps forward by MHARR, MHI and state associations, who all should be working in concert on issues vital to the manufactured housing industry.

Inflammatory messages may help a pair of ‘leaders’ posture themselves as tough, but do such missives advance or harm the manufactured housing industry’s agenda, and the interests of their own followers?

Industry voices cited in the articles found in the links below question if Danny Ghorbani – with or without the aid of George Allen – can effectively deal with regulators and politicos, without major changes in his modus operandi…or will real leadership by MHARR’s CEO come from Ghorbani’s successor, should Ghorbani depart or retire? ##


Appendix

Questions provided to George Allen for response by MHProNews:

1) Will you publish the unedited reply from Jason this upcoming weekend on your blog, or will you continue on your allegedly pro-Danny Ghorbani/MHARR, anti-MHI public stance?

2) As a self-proclaimed MH Communities owner advocate, how do you defend Danny Ghorbani’s embrace of Ishbel Dickens and her anti-MHC owners organization, when Dickens has reportedly said in public that community owners are “the enemy…”?

3) You’ve described on your blog your activities in part as an “agitator. ”  You’ve described Danny Ghorbani as a “leader.” Yet in the past, you decried Ghorbani for very similar stands to his current one, and after your own analysis, described in the article and links from the post here,

http://MHProNews.com/blogs/tonykovach/mharr-after-danny-ghorbani-and-more-manufactured-housing-issues/

you concluded Danny was mistaken in his writing that you then cited.  Where you wrong then? How do you answer your own rejection of Danny’s views  then, what has he practically accomplished since then which has caused you to change your stance? How much has payments for ads or other money received from MHARR factories influenced  your new found admiration for Danny?

4) Why do you not show remarks opposing your views on your blog?

5) We’ve invited you and Danny to debate MH Industry related topics; why have you not done so?

6) As an industry commentator, did you know that GSE reform was on the MHI legislative agenda?

7) You are fine with asking questions, so why do you not provide the courtesy of replying to questions when you are asked?

Questions provided to Danny Ghorbani and M. Mark Weiss at MHARR

1) We’ve asked many times, and ask again, what are the achievements of your last last 5 years at MHARR?

2) Why is it necessary to undermine MHI to make yourself look better?

3) Specifically what did you do – apart from MHI – that makes this advancement in GSE Reform your sole victory?

4) And how is this bill – not yet a law – more of a victory than HR 1779 or S 1828?

Previous Reports, Posts and Articles on this or Related Topics

Some Related Story Links:

Downloads and Attachments:

Commentary on MHARR ad from a cross section of MHPros in the Industry are found here.

MHARR’s HUD/MHI Missive: on the record, “No Comment,” but off the record…

February 1st, 2014 Comments off

broadside-darius-danny-ghorbani-president-mharr-salvo-on-hud-logo-manufactured-housing-association-for-regulatory-reform-posted-daily-business-news-mhpronews-.jpMHARR’s president “broadsided” HUD – as well as MHI – on Thursday, January 29th with an emailed release. The timing seemed odd, observers told MHProNews, as this took place in the immediate aftermath of an extraordinary semiannual oversight hearing on Capitol Hill. Chairman Jeb Hensarling’s Financial Services Committee had members from both parties peppering Richard Cordray with questions on the handling of manufactured housing regulations by the CFPB.

MHProNews outreaches to MHARR and MHI officials alike drew no reply (MHARR’s DC office) and no comment (MHI’s office).  But off the record statements have come in from a variety of sources, including those close to both of the manufactured housing industry’s national associations, state association leaders and other professionals in the industry.

One neutral source said off the record, “I agree with each of Danny’s comments about HUD.  I disagree about lack of progress or losing ground.”

A source close to MHI said, we …”have much bigger battles to fight than engaging in a war of words with someone who hasn’t accomplished anything for our industry since the passage of (the) Manufactured Housing Improvement Act of 2000,” a reference to Danny Ghorbani, President at MHARR.

One MHARR source told us they agreed with every aspect of the MHARR release.

However, while some echoed that, other members in the MHARR camp are split on the release’s attack on MHI, and some related strategic and tactical issues. Some see the Darius “Danny” Ghorbani led group as acting properly, while others see MHARR’s president as being dead right on issues, but wrong on engagement methods with MHI, and often tactically mistaken in dealing with regulators.

Or as one MHARR member said when asked about the division in their ranks on tactics, timing and wording, “obviously, we are a varied group at MHARR.”

A veteran of DC and industry issues told MHProNews, “…note the wide-spread, bi-partisan support for the industry at the (Financial Services Committee) hearing. And, more importantly…such a broad and loud outcry (at the recent Financial Services Hearing with CFPB’s ) doesn’t happen organically, but as the result of a strategic (and) successful lobbying effort on behalf of…” state associations and MHI.

Indeed, in a video MHProNews plans to feature in the near term, 10 members of the committee raise concerns with Cordray, including the ranking Democrat, Maxine Waters (D-CA). Others included, Rep. Stephen Fincher (R-TN), Reps. Spencer Bachus (R-AL), Joyce Beatty (D-OH), Bill Clay (D-MO), Keith Ellison (D-MN), Greg Meeks (D-NY), Steve Pearce (R-NM) and Terri Sewell (D-AL).

“What is certain is that manufactured housing has not had this level of momentum on Capitol Hill in at least 6 years, if not longer.” another source told us.  “MHI and the aligned states (associations) have done a lot of good work, in a tough political environment.  Anyone who knows politics and lobbying knows that it takes time to get things done, especially when you don’t have tons of money to throw at lobbying. Danny’s (Ghorbani) disappointed that MHARR working with MHI for a year has not shown huge results? Excuse me? What can he point to of substance that he achieved in the last few years? Things are tough in DC! Danny’s timing looks short sighted, or worse, in the light of the facts and history.”

Will the MHARR release slow momentum in DC or on the Hill? “Unlikely.” said one when asked. “The states and MHI have some real traction at this point. Danny’s broadside won’t harm MHI, the states, perhaps not anyone but Danny himself. Some will be glad he did it, because they share Danny’s frustrations with HUD.  But is this the way to get real change done? There is a real difference of opinion within the ranks of MHARR, (whose members) often agree with Danny on policy and goals, but not always agree on his style or timing.”

MHProNews will monitor the topic, as sources aligned with MHARR tell us that a concerted ‘tag team’ effort to use the MHARR release will be made by a handful of disgruntled MHI members in the days ahead.

The full MHARR release – which sparked the comments above – is linked here. ##

(Editor’s Note: Remember, “We Provide, You Decide.” ©  Opinions on this topic or others of industry interest are welcomed and encouraged.)

(Image Danny Ghorbani smiles at the broadside by the USS Missouri at HUD’s logo. Image Credits: Wikicommons, HUD logo and MHProNews)

Discarding Fannie Mae and Freddie Mac = A Nightmare

August 12th, 2013 Comments off

While the Republican-led House Financial Services Committee is supporting legislation to totally eliminate Fannie Mae and Freddie Mac from the mortgage business with no government interference , the Democrat-majority Senate Banking Committee says the government needs to be a backstop to make certain borrowers of modest means can continue to obtain financing. Even President Obama, as MHProNews reported here Aug. 7, states the mortgage industry would be better served with more private sector involvement. Meanwhile, as HousingWire reports, Fox News blogger Peter Morici and USA Today both say eliminating Fannie and Freddie would raise the cost of borrowing to a level that would be out of reach of the middle class.

(Image credit: Fotosearch)

MHC Looms Large in House Race, II

November 2nd, 2012 Comments off

Manufactured housing has become an important issue in a second house of representatives district in Delaware. The first pits challenger Beth McGinn against incumbent Briggs King for Seat 37 is south Delaware, as we last reported Oct. 17,2012. DelawareNewsZap tells MHProNews Democrat Theodore Yacucci is running to represent District 34 just outside Dover. When responding to “what would most help the people in his district,” he stated his priority is to pass legislation protecting manufactured housing homeowners, and remove MH from the jurisdiction of the Department of Motor Vehicles. He says the incumbent, Donald Blakey, did not advocate on behalf of the 600 MHC residents in the district when Senate Bill 205, passed by the Senate, was rejected by the House. The measure would have tied rent increases to cost of living increases. Yacucci claims Blakey did not vote for the legislation until he realized it would not pass anyhow.

(Photo credit: Ron MacArthur/CapeGazette–Rehoboth Shores, DE)

Race in Delaware Heats Up

September 24th, 2012 Comments off

Following up on the race for Delaware’s 37th District State Representative seat between incumbent Briggs King and Beth McGinn, CapeGazette VillageSoup reports MHC resident McGinn chides Ms. King for saying she has been working on manufactured housing issues with homeowners associations as well as members of the legislature and government officials. Ms. McGinn says she has not found anyone Ms. King has spoken with who is involved with manufactured housing. Citing the rent justification bill the Delaware Legislature voted down, which Ms. King did not vote on citing conflict of interest because of family ownership of MHCs, Ms. McGinn asks, “Why would she spend time working on manufactured housing issues when she can never introduce or vote for legislation due to her stated conflict?” As MHProNews has learned, Ms. King is Republican and Ms. McGinn is a Democrat.

(Photo credit: sussexcountian—l-r, Briggs King, Beth McGinn)