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Posts Tagged ‘Infographic’

Infographic – Mapping How Much A Buyer Must Earn to Buy Median Priced House

April 23rd, 2019 Comments off

 

InfographicMappingHowMuchBuyerMustEarnToBuyMedianPricedHouseManufacturedHousingMHProNews

HSH, HowMuch, and Visual Capitalist have pulled together data that yielded the following information presented. It’s arguably useful data for those savvy manufactured home industry professionals who happen to be near the various markets that are spotlighted.

 

Before diving into the data, let’s note the tragically obvious.

There is no hint of manufactured housing in this information.  Let’s use that factoid to make the point that if the Manufactured Housing Institute (MHI) was serious about industry growth at this vexing point in time, there are several common-sense steps that they as the industry’s post-production trade association ought to be taking.

So why aren’t they?

The fact that MHI and manufactured homes are routinely missing from reports like this ought to make the Arlington, VA based trade association’s believers pause. After all, recall that MHI – pre-Berkshire Hathaway’s entry into the manufactured housing market – used to promote people like Harvard’s Eric Belksy, who touted that the industry would overtake conventional building.  Conventional housing and manufactured homes were both discussed, not so many years ago.  What happened?

 

ErikBelskyManufacturedHousingMHIWebsiteDailyBusinessNewsmHProNews

This graphic was created 2 months before the Last Week Tonight with John Oliver “Mobile Homes” satirical hit video. The commentary in the green box reflects a concern that Oliver’s video only further underscored.

 

That was MHI back then.  More recently, we learned today that they had to be dragged by a pair of members into doing an event that was utterly obvious.  The report below speaks volumes, and it is a book-end in a sense to this report.  ICYMI, you can access the earlier report by clicking the linked text-image box below.

 

HUD Secretary Carson to Host Innovative Housing Showcase Featuring Affordable Housing Solutions

 

That noted, here’s the data from the trio noted at the top in this evening’s report, which includes insights from the National Association of Realtors ® (NAR).

 

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The bullets that follow are pull-quotes from HSH.

  • “How much salary do you need to earn in order to afford the principal, interest, tax and insurance payments on a median-priced home in your metro area?
  • For our calculations, HSH.com uses the National Association of Realtors’ 2018 fourth-quarter data for median-home prices, national mortgage rate data derived from weekly surveys by Freddie Mac and the Mortgage Bankers Association of America for 30-year fixed rate mortgages and available property tax and homeowners insurance costs to determine the annual salary it takes to afford the base cost of owning a home (principal, interest, property tax and homeowner’s insurance, or PITI) in the nation’s 50 largest metropolitan areas.
  • We used standard 28 percent “front-end” debt ratios and a 20 percent down payment subtracted from the NAR’s median-home-price data to arrive at our figures. We’ve incorporated available information on property taxes and homeowner’s insurance costs to more accurately reflect the income needed in a given market.”

Visual Capitalist (VC) noted that “Over the last year, home prices have risen in 49 of the biggest 50 metro areas in the United States. At the same time, mortgage rates have hit seven-year highs, making things more expensive for any prospective home buyer.”

 

As multi-decade industry veterans recall, the type of dynamics that VC cited in prior decades used to cause an increase in manufactured home sales.

 

UltimateManufacturedHomeHousingInfographicNotMobileHomeTrailerHouseFactoryBuiltHomeIndustryDailyBusienssNewsMHProNews-600

2018 infographic.

 

Once more, when one considers the favorable facts and the problematic performance of MHI, that begs the question, what changed?

 

The Map and Metro Details

The first graphic reflects the formula used described by VC as follows. “With a 20% down payment and a 4.90% mortgage rate, and taking into account what’s needed to pay principal, interest, taxes, and insurance (PITI) on the home, it would mean a prospective buyer would need to have $61,453.51 in salary to afford such a purchase.”

 

MedianHousePriceApril2019ReportManufacturedHomeMHProNews

 

The 10 Cheapest Metro Areas

Per HSH and using the same down payment and other formula factors noted above, here are the lease expensive metropolitan areas to buy a house.

 

TenCheapestHousingMetrosApril2019ReportManufacturedHomeMHProNews

 

The 10 Most Expensive Metro Areas

Using that same formula, here’s the ten most costly areas to buy a home.  These are areas that manufactured housing ought to be soaring, not snoring.

 

TenMostExpensiveHousingMetrosApril2019ReportManufacturedHomeMHProNews

 

Manufactured Housing Professionals and Two Good Laws

Finally, we’ll close tonight’s report with this reminder.

The manufactured home industry already has enviable laws on the books.  The challenge is getting existing laws enforced. Given that this current federal administration has repeatedly said that they are in ‘the law enforcement business,’ why isn’t MHI pushing their vaunted contacts to get existing laws fully enforced?

It should be noted that based upon a growing pile of evidence that MHI may arguably be falling down on the job, that doesn’t mean that individual companies can’t make some of these arguments in their local market, such as enhanced preemption. Duty to Serve?  That’s likely a tougher nut to crack for an independent firm, unless they are a giant.

See the related reports, further below the byline and notices.

That’s tonight’s edition of manufactured home “Industry News, Tips, and Views Pros Can Use” © where “We Provide, You Decide.” © ## (News, analysis, and commentary.)

 

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Two Great Laws Already on the Books NOW,  Can Unlock Billion$ Annually for Manufactured Housing Industry Businesse$, Investor$

“Lead, Follow … Or Get Out of The Way”

 

 

 

 

 

 

Tax Day Infographic, Fascinating Facts At A Glance

April 15th, 2019 Comments off

TaxDayInfographicFascinatingFactsAtAGlanceManufacturedHousingIndustryDailyBusinessNewsMHProNewsUnless you are in Maine or Massachusetts, taxes have to be filed, or an extension and any payments due must be submitted by mail or electronically today.  As WalletHub put it, “No one likes Tax Day, except for accountants and Uncle Sam.”

 

They go one to say that, “We’ve spent billions of hours preparing billions of dollars in payments since tax season began Jan. 28. We’re grappling with a tax code that’s longer than all of the Harry Potter and Game of Thrones books combined. We’re also scrambling to satisfy and take full advantage of recent tax reforms. Tax preparation can be a frightening prospect for many people as a result.

MHProNews has raised the issue of the inefficiency of the tax laws before.  That noted, here is their insightful infographic.

 

TaxDayInfographicWalletHubManufacturedHousingIndustryDailyBusinessNewsMHProNews

Since the tax cuts of 2017, tax revenues have risen.  But small businesses are arguably more hobbled by the complexities of the tax laws than larger ones.  The power to tax, the power to regulate is the power to destroy.

 

FedsCollectRecordTaxesOct2018CNSManufacturedHOusingIndustryDailyBusinessNEwsMHpronews

The tax cuts of 2017 resulted in more tax revenue. That fits the historic pattern, under Democratic President John F. Kennedy (D), or Ronald Reagan (R).

Two more factoids we’ve cited before are above and below.  We aren’t necessarily advocating for a flat tax, but it is worth pondering the issue.

 

MoneyTaxPreparations46TaxPreparers46DifferentEstimatesDailyPragerUDailyBusinessNewsMHProNews

If tax experts can’t agree, how are regular people supposed to accomplish the goal of an accurate tax return?

That’s manufactured home “Industry News, Tips, and Views Pros Can Use.” © where “We Provide, You Decide.” © ## (News, analysis, and commentary.)

 

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

 

“Feeling the Bern” – Love or Hate Sanders, Take Him Seriously – plus MH Stock Market Updates

 

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“Decline of Extreme Poverty in Perspective,” Infographic, Report

September 21st, 2018 Comments off

DeclineOfExtremePovertyInPerspectiveInfographicReportDailyBusinessNewsMHProNews

We’ve been trained by the media to think that things are always getting worse – including on subjects like poverty,” said Visual Capitalist in comments to the Daily Business News on MHProNews.

 

For example,” Jeff Desjardins wrote, “a recent survey showed that 87% of respondents thought that global poverty rates haven’t changed, or have gotten worse, over the last 30 years. However, the exact opposite is true.”

One billion people have been lifted out of extreme poverty since 1990,” the statement continued, with the provided infographic “putting the important issue into the context of data.”

We’ll look at the infographic, and then after, address how this can prove useful to managers, owners, investors and others.

DeclineInExtremePovertyVCInfographicGlobalPovertyDeclineDailyBusinessNewsMHProNews

To see or download the full sized infographic, click here.

 

Facts Matter, and Where Poverty Still Exists

The United States and the West has played a role in spreading rising incomes to much of the world, through trade, investments, grants, and aide. That doesn’t mean that there hasn’t been corruption or waste in those efforts. But it does reflect that conditions have steadily improved.

Let’s briefly note that third world countries have a keen interest in prefab housing.

The chart above doesn’t specify the causes behind why extreme poverty still exists.

FurniPodMiniLoftPrefabHomesThirdWorldCompaniesDailyBusinessNEwsMHProNEws

The videos above and below are for illustration purposes only. The closing still below is interesting, as those are solar panels on the roofs of those prefab units.

Dedicated Daily Business News on MHProNews readers know that Venezuela, North Korea, Cuba, and Haiti are among the nations where it is found, and the causes are often tied to their governments. Rephrased, nations with severe corruption and socialism are key causes.

But so too are areas impacted by war, narco-terror, and other terrorist-connected activity.

The related reports are important to consider, as you share these with team members or those you know that may be influenced by the rising belief – especially among millennials – of socialism in the U.S. See too the videos on Poverty, Inc., Shadows of Liberty, and more in the related reports, linked below.

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Freddie Mac’s Manufactured Housing, Myths vs Facts – Your Professional Thoughts?

August 10th, 2018 Comments off


ManufacturedHousingMythVsFactFreddieMacDutyToServeDailyBusinessNewsMHProNews

We’ll weigh in on this Freddie Mac handout promoting manufactured housing another time, but would value that of the readers of Daily Business News on MHProNews.

 

Here it is, below. We just have this suggestion, as you look at this handout from Freddie Mac, meant to promote manufactured housing.  Please consider it from all angles.

  • What do you like?
  • What do you think could have been different?
ManufacturedHousingMythVsFactFreddieMacDutyToServeManufacturedHousingIndustryDailyBusinessNewsMHProNews

Download the full size document, at this link here.

  • What might have made this handout intended for home-shopping consumers better?
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Your Comments, Feedback, or Tips email at this link. Or Connect via LinkedIn and comment.

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Canadian and American Financial and Banking Systems Compared, Infographic

May 16th, 2018 Comments off

CanadaUSTaleofTwoBankingSectorsVIsualCapitalistLogoManufacturedHousingIndustryDailyBusinessNewsMHProNews

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.”

 

CanadaUSBankingFinancialSystemVisualCapitalistComparisonsDailyBusinessNewsMHProNewsRBCGlobalAssetManagement600

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.)

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Related Reports:

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

 

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Soheyla is a managing member of LifeStyle Factory Homes, LLC, the parent company to MHProNews, and MHLivingNews.com.

 

The Evolution of America’s Energy Supply (1776 – 2014) Infographic

July 27th, 2017 Comments off

EvolutionAmericasEnergySupplyWith all the drama in manufactured housing around energy related issues, the VC infographic below makes for a nice change of pace on the Daily Business News.

Informative.

Colorful.

Useful insights.

On a serious note, energy is connected to essentially every profession and industry in the nation.

Manufactured housing is no exception.

 

 

 

The Evolution of America’s Energy Supply, 1776 – 2014

EvolutionAmericasEnergySupply17762014ManufacturedHousingIndustryResearchDataReportsInfographicMHProNews

The nation is rediscovering its oil, natural gas and “clean coal” – all of which are plentiful.  They current administration is promoting those low cost domestic options, all part of a plan to drive down costs for producers and citizens alike.

2 of the not too heavy energy related, recent reports are found at the bullets below.

You can find more by using the search tool at the top right of the Daily Business News blog (see graphic, below). ## (News, analysis.)

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Clayton Homes Announces New Home Buyer Tool

January 13th, 2017 Comments off
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Kevin Clayton, left, Warren Buffett, right, standing in a Clayton Homes model. Credit, TodayOnline.

Clayton Homes, a subsidiary of Warren Buffett’s Berkshire Hathaway (BRK/A) has announced its commitment to make the home buying process an outstanding experience for customers during every single step.

With the release of a news infographic, They can now guide the customer through the experience of shopping for a home.

The company tells MHProNews that the infographic walks customers through the complete “homebuyer’s journey,” from browsing the website to becoming a homeowner.

Clayton already offers a number of tools for navigating the homeownership process on its website, including a “Learn” page that provides helpful articles and videos that educate customers on what they can expect.

ClaytonHomesAnnouncesNewHomeBuyerToolcreditClaytonHomes-postedtothedailybusinessnewsmhpronewsmhlivingnews

The new Clayton Homes infographic. Credit: Clayton Homes.

The Learn section of Clayton Homes is full of helpful resources and guides for homebuyers,” said Clayton CEO, Kevin Clayton.

We want people to know what to expect at every step of the way because a better informed customer creates an empowered homebuyer. When the process is demystified, our customers are able to better make informed decisions and truly enjoy the journey of finding, designing and buying a Clayton Built home that is perfect for their families.

Clayton is further enhancing the home-buying experience through the unveiling of its newest customer experience initiative, “Building Happyness.” The mantra is designed to remind Clayton team members that every customer touchpoint is an opportunity to make the experience extraordinary.

ClaytonFusionNewDurhamEstates-WestvilleIN-

Clayton Fusion model, New Durham Estates, Westville, IN.

We are always looking to provide the best customer experience possible at every step of the home-buying process,” said Clayton.

As a company providing the dream of home ownership, we are responsible with helping each customer in their pursuit of happiness. We will deliver an outstanding experience by continuing to push ourselves to focus on innovation, sustainability, quality and durability.

Clayton Homes is the largest producer of manufactured homes (MH) in North America. Vertically integrated, the company has several hundred retail centers nationwide. Through its affiliates and family of brands, Clayton builds, sells, finances, leases and insures Clayton-built manufactured, modular homes.  The operation also buys products and uses services from other producers.

For the most recent closing numbers on all Berkshire Hathaway – and all MH industry-connected tracked stocks – please click here. ##

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RC Williams, for Daily Business News, MHProNews.

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