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Skyline Champion Soared, What’s Up? Initial Look Behind the Curtain

May 24th, 2019 No comments

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The Motley Fool is an investment site that has reportedly drawn the ire of industry leaders such as Joe Stegmayer, former president and chairman of Cavco Industries and still MHI Chairman, on more than one occasion. Indeed, such stock and financial news sites, including Seeking Alpha, are often a mixed bag of useful and problematic reports – in part because those writing their analysis may get financials or certain details correct, but may still lack the manufactured home industry specific insights that could make their reporting better.

 

Rephrased, as with our sources we track, MHProNews takes a ‘wheat and chaff’ approach to their narratives.

With that brief backdrop meant for our growing audience, the Daily Business News on MHProNews turns to a report Wednesday by the Fool’s Lou Whiteman, who disclosed that he “has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned.” MHProNews uses a similar disclosure.

As MHProNews has customarily done for years, we often turn quoted text bold and brown to make it pop, but the quotes are otherwise as in the original.

 Whiteman said in the report found at this link here that, “Another strong earnings report provides evidence the company’s 2018 acquisition is paying dividends.”

That should be understood in the light of the graphic below, which reflects the 1 year trend on Skyline Champion’s (SKY) stock’s value.

SkylineChampionStock5232019TickerManufacturedHousingIndustryMHProNews

 

That noted, before diving into the specifics of Whiteman’s analysis of the SKY stock’s recent moves, in the wake of an upbeat report, let’s focus on this pull quote.

Consistent with our [The Motley Fool’s] previous comments, we remain positive on the outlook for manufactured housing industry, as we see significant runway for continued growth. Industry volumes remain well below the long-term averages, and new financing options are becoming available and are slowly helping close the gap with those historic trends.”

That’s a point that most HUD Code manufactured home industry professionals can agree with, and take some heart in.

BloombergShipmentProductionDataManufacturedHousingMHProNews2019-05-16_1057

But that too must be understood in the light of significant evidence of market manipulation, which is arguably at the heart of why Skyline Champion – or most any other manufactured housing firm – are underperforming.  One of several possible examples a newcomer can begin to research is linked below.

 

 

The following graphic is a composite from the firm’s website.

 

SkylineChampionByTheNumbersSKYmanufacturedhousingDailyBusinessNewsMHproNews

 

That said, back to Whiteman’s narrative. The bullets represent quotes under the subheadings from the Motley Fool.

What happened

  • Shares of Skyline Champion (NYSE:SKY) climbed 13.9% on Wednesday, after the manufacturer of modular homes reported quarterly results that suggest the company is performing well following a major acquisition last year.

So what

 

  • On Tuesday after the markets closed, Skyline Champion reported fiscal fourth-quarter earnings of $0.26 per share on revenue of $327.7 million, beating the $0.20-per-share consensus earnings estimate despite falling short of the $344.22 million in expected sales. The company was created last June through a merger between Skyline and Champion Enterprises, which created the nation’s largest publicly traded factory-built-housing company.
  • Net sales in the quarter grew 23% year over year, and U.S. sales led the way with 35% growth. Skyline Champion reported both a 15% increase in total number of U.S. transactions and a 17% increase in average selling price, as a result of strong demand and favorable product mix. In Canada, sales fell 17% because of a decline in homes sold.
  • This is Skyline Champion’s second straight quarterly beat.

Now what

 

  • CEO Keith Anderson, on a post-earnings call with investors, said the manufactured-housing market in recent years has grown faster than the broader housing industry. He added that the company expects growth to continue into the new fiscal year:

  • Skyline Champion ended the quarter with a backlog of $143 million, down slightly from $155 million a year prior, but the company says the current total is higher quality because it doesn’t include inflated orders for lower-margin Federal Emergency Management Agency residences.
  • Based on the stock reaction, investors seem to believe Skyline Champion is building on a solid foundation.

##

To reiterate in a different way, investors in stocks like SKY ought to demand investigation followed by action about purported market manipulation.  The Fool is right in saying there is plenty of upside, but it could be achieved faster and with hefty returns, in the absence of concerns such as those linked herein and below.  That’s not only the expert view here, but by others in the industry, as the reports further below reflect.

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Special Skyline Champion Report Ahead

MHProNews plans a special report on Skyline Champion in the days ahead. Watch for it. For a prior and other related reports, see below the byline, offers, and notices.

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That’s this morning’s second look at “News through the lens of manufactured homes, and factory-built housing” © where “We Provide, You Decide.” © ## (News, analysis, and commentary.)

 

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NOTICE: You can get our ‘read-hot’ industry-leading emailed headline news updates, at this link here. You can join the scores who follow us on Twitter at this link. Connect on LinkedIn here.

NOTICE 2: Readers have periodically reported that they are getting a better experience when reading MHProNews on the Microsoft Edge, or Apple Safari browser than with Google’s Chrome browser. Chrome reportedly manipulates the content of a page more than the other two browsers do.

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3) Marketing, Web, Video, Consulting, Recruiting and Training Re-sources

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Inside Scoop on the Manufactured Housing Industry in Memes

May 17th, 2019 No comments

 

InsideScoopManufacturedHousingInMemes$100MillionCashPalletManufacturedHomeIndustryMHProNews

Some readers have asked the Daily Business News for MHProNews for an executive summary of why manufactured housing is underperforming compared to its historic norms.

 

It has been a while since we’ve done cartoons or memes.  While these are meant to be a bit on the lighter side, the issues they reflect are serious ones.

 

WarrenBuffettKevinClaytonPhotoClaytonHomesModelHomePhotoBerkshireHathawayAnnualEventPhotoMemeCartoonManufacturedHomeIndustryMHProNews

 

While some of the conversations are obviously fictional, as is common with memes or satire, the impacts and nature of the matters described are arguably correct.  Those in Omaha-Knoxville-Arlington or their allies are welcome to formally reply.

In spotlighting the next meme, it should not be construed as partisan. Democrats and Republicans in Minnesota have studied manufactured housing, and agreed in a bipartisan way that that the industry offers an important part of the solution for the affordable housing crisis.  That said, its a real photo, and there is no disputing that Warren Buffett backed candidate and then President Barack Obama, and that he had access – and a Buffett grandson – working in the Obama White House.

 

WarrenBuffettPresidentBarackObamaPhotoMemeManufacturedHousingIndustryMHProNews

 

To underscore the reasonableness of these themes of these memes, click on the first of several reports linked below the byline and notices.

 

WarrenBuffettPhotoPresidentBarackObamaPhotoMemeCartoonManufacturedHousingIndustryMHProNews

 

We value reader input, as well as news tips. Many of our reports are based on tips from people working in the Manufactured Housing Institute (MHI) orbit.

 

PhotoKevinClaytonWarrenBuffettKeithHoldbrooksClaytonHomesBerkshireHathawayClaytonFactoryMemeManufacturedHousingIndustryCartoonProNews

 

Readers are reminded that our publisher was elected by his peers to be on an MHI board.  He has a better than average sense of that trade group than the vast majority of industry professionals who have never been to any or only a few MHI events or meetings, because he was there for years of meetings and first-hand observations.

If this is your first article to read on MHProNews, know that we do mostly serious research, analysis, and fact-checks which have made and kept us the runaway #1 in manufactured housing since our first year. We are now in our 10th year of serving the industry.  But it helps to break up the serious with some periodic satire.

Our evening market report will be posted soon.

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

 

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NOTICE: You can get our ‘read-hot’ industry-leading emailed headline news updates, at this link here. You can join the scores who follow us on Twitter at this link. Connect on LinkedIn here.

NOTICE 2: Readers have periodically reported that they are getting a better experience when reading MHProNews on the Microsoft Edge, or Apple Safari browser than with Google’s Chrome browser. Chrome reportedly manipulates the content of a page more than the other two browsers do.

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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.

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Drilling Down on State Manufactured Housing Shipment Data, Shocking Revelations, Warning Signs

March 8th, 2019 Comments off

 

ClaytonHomesHaveItMadeDrillingDownStatemanufacturedHousingShipmentDataShockingRevelationsWarningSignsDailyBusinessNewsMHProNews

There are numerous states that experienced a downturn in new HUD Code manufactured home shipments in December of 2018. Each of those, to varying degrees, merit their own story.

 

One that experienced a pronounced drop was the #1 production and shipment state in the U.S., which is the state of Texas.  According to data that ultimately comes from IBTS collected for the Department of Housing and Urban Development (HUD), the Manufactured Housing Association of Oklahoma (MHOA) said that year over year (YoY) December 2018 vs. 2017, Texas experienced a stunning 44 percent drop.

 

December 2017  2018   % Change

Texas         1941  1085    -44.1%.

 

But we will look for the next few moments at Arkansas, and their shipment data.  Because like Michigan – which also is experiencing a downturn – Arkansas has invested in a nascent marketing campaign to boost their new manufactured home sales.   We will note that Michigan in some ways has reportedly invested more and longer in marketing than Arkansas, but both experienced a drop in new HUD Code manufactured homes shipped.

Here’s the regional shipment data, per MHAO.

 

December2018vsDec2017YearOverYearShipmentReportMHAO-ArKsLAMoNmOkTx

 

There are differences between what Michigan and Arkansas have done and are doing, which is not the focus of this analysis, but that point is hereby duly noted. In Arkansas’ case, a feature for them has been their videos, which aim to address several common concerns that consumers have about manufactured homes.

MHProNews has been one of the platforms that has shared their videos.  Here is one of the AMHA promotional videos again.  It is a quality, professional video production.

 

 

In favor of the Arkansas Manufactured Housing Association’s (AMHA) video efforts vs. say the Manufactured Housing Institute (MHI) marketing-promotional videos, the AMHA’s videos have attracted far more viewers.  The video above was published on Sep 1, 2016, per the AMHA’s YouTube page. On this date at 4:37 AM ET, there are 68,434 views reported on this 2:30 second video.

That said, one must ask, has the AMHA videos moved-the-needle on new manufactured home sales?  That’s the acid test.

Per the report by MHAO, YoY for the month is as follows.

December 2017  2018   % Change
Arkansas   104      67     -35.6%

Year over year totals for Arkansas are as follows.

Year-To-Date 2017   2018   % Change
Arkansas         1766   1805   2.2%

Here’s how our publisher’s and award-winning industry consultant’s comments were phrased, in the red textbox on the graphic below.

 

ArKsLaMoNmOkTxShipmentsPerMHAOMarch2019NewsletterWithDec2018vs2017dataDailyBusinessNewsMHProNews

The above is a collage from the MHAO’s most recent newsletter, and is provided here under fair use guidelines for media.

 

There are those voices in manufactured housing that are talking about weather, inventory adjustments, or how other sectors like automotive had declines too among other excuses for the lack of serious growth.  But there are numerous reasons why those are false arguments, which are easily disproven.

One example is the article below, which demonstrates that within automotive, there are firms that rose while others slipped.  So how a marketing message is crafted, and then what happens after that marketing message is produced all are factors in bottom line performance.  Click the text-image box to see that video and report.  Further below the byline is a report on a video about a home built on a frame with a hitch set on blocks.  The video is over 16 minutes long, is an interview done by a third-party, and has had over 1 million views in just 3 weeks.

 

“What’s My Name?” What Manufactured Housing Marketers, Pros, Investors Could Learn From This Video

 

There are those who are deliberately distorting – or at best, misreading – the authentic causes for concern about manufactured housing’s slide.  Automotive, RVs, and other industries have far out performed manufactured housing since the last manufactured housing industry peak was achieved in 1998.  Yet it is manufactured housing that is in the affordable housing business, during an affordable housing crisis.  Aren’t the distinctions significant?

 

As the Klaxon sounds, the Wake Up Call to Change Call

A klaxon is a powerful horn or alarm that often signifies danger. A klaxon is hard to ignore. The klaxon means the time to act is asap, not someday in the murky mist.

Compared to MHI, AMHA’s budget is modest.  One should say in AMHA’s favor that it is better to try something than do nothing.

There is no one cause for this problem of shipment and production at disappointing and still historically low levels.  So, no one article is going to lay out all of the facts.  But to better understand the range of issues that arguably contribute to this malaise, see the linked related reports, below the byline, notices and market-based business development opportunities. Other thoughtful perspectives are encouraged and welcomed.  Comments can be private or for publication, just so note in your messages.

 

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Some years ago, UMH President Sam Landy, JD, told MHProNews that every firm is ultimately responsible for their own marketing.  That’s demonstrably and logically true.

But beyond the duty of each company to self-promote, there are other needs as well that could be done in groups of firms that have reasons to work together to promote more sales and profits.

There is a thirst for manufactured housing independent industry professionals for understanding.  There are numbers who realize that what MHI claims vs. their performance on behalf of the industry are not necessarily the same thing, to be polite.

A new post-production association is needed, period.  To rely on MHI after years of failed performance in the post-production side is demonstrably foolish.

Ready for solutions instead of excuses?  Are you going to the Tunica Manufactured Housing Show?  To learn more about organizing such a post-production alternative to MHI, contact Tony@MHMSM.com, or call 863-213-4090.

 

LATonyKovachHenryFordQuotes

 

The communities sector had state associations break away from MHI.  The Manufactured Housing Association for Regulatory Reform (MHARR) broke away from MHI years before. Both cited the failed performance of MHI, in their own words. This operation’s parent company was an MHI member, and L. A. ‘Tony’ Kovach was elected by peers to serve on an MHI board.  If MHI wee performing, instead of their purported posturing, more head-fakes, and making excuses themselves and/or through surrogates, MHProNews would arguably still be a member of that trade group.

Performance matters more than empty promises.

Isn’t it self-evident that doing more of the same as in recent years, will only produce more of the same sad, low results? That’s obviously not cheer leading, like others are wont to do in MHVille that kiss the MHI donkey derriere. Rather, it’s the increasingly self-evident sobering truth.

 

ManufacturedHousingIndustryShipmentsCavcoIndustriesCVCOMHIDailyBusinessNewsMHProNews

 

Only the truth told well and often enough, and then acting upon truth, will set manufactured housing operations free to return to and surpass the industry’s glory days. The time to act is asap or now. Contact Tony@MHMSM.com, or call 863-213-4090.

 

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ZIg Ziglar’s editor provided MHProNews with years of articles that have been published here. We believe in possibility thinking, but that must be grounded in reality. Ziglar says the same. To solve a problem, one must admit it exists, identify its causes, and the plan how to address the root causes of the issues. That’s how progress is achieved.

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

 

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To report a news tip, click the image above or send an email to iReportMHNewsTips@mhmsm.com – To help us spot your message in our volume of email, please put the words NEWS TIP in the subject line.

NOTICE: You can get our ‘read-hot’ industry-leading emailed headline news updates, at this link here. You can join the scores who follow us on Twitter at this link. Connect on LinkedIn here.

NOTICE 2: Readers have periodically reported that they are getting a better experience when reading MHProNews on the Microsoft Edge, or Apple Safari browser than with Google’s Chrome browser. Chrome reportedly manipulates the content of a page more than the other two browsers do.

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

1) To sign up in seconds for our MH Industry leading emailed news updates, click here.

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To see a sample of our emailed news update, click here. To sign up for the factory-built home industry’s #1 headline news, click here or the graphic above.

2) To pro-vide a News Tips and/or Commentary, click the link to the left. Please note if comments are on-or-off the record, thank you.

3) Marketing, Web, Video, Consulting, Recruiting and Training Re-sources

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.

 

 

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Home Loan Limits Raised in Over 3,000 U.S. Counties

December 14th, 2018 Comments off

FHAHomeLoanLimitsRaisedOver3000USCounties

The Federal Housing Administration (FHA) announced late today that loans limits for 2019 will be raised for most part of the nation.

 

As manufactured housing industry veterans know, qualifying placements can allow a HUD Code home, or a modular home, to be financed with FHA insurance on the loan.

The increases are for both regular – forward mortgages, and also for HECM or so-called ‘reverse’ mortgages too.  The full HUD/FHA statement to the Daily Business News on MHProNews is as follows.

For additional details, industry professionals should contact an FHA approved lender conversant with manufactured home financing.

HUDNewsheaderManufacturedHousingIndsutryDailyBusinessNewsMHProNews

 

HUD ANNOUNCES NEW FHA LOAN LIMITS FOR 2019

Loan limits to increase in more than 3,000 counties

 

WASHINGTON – The Federal Housing Administration (FHA) today announced the agency’s new schedule of loan limits for 2019, with most areas in the country to experience an increase in loan limits in the coming year. These loan limits are effective for FHA case numbers assigned on or after January 1, 2019.

 

 

FHA is required by the National Housing Act, as amended by the Housing and Economic Recovery Act of 2008 (HERA), to set Single Family forward loan limits at 115 percent of median house prices, subject to a floor and a ceiling on the limits. FHA calculates forward mortgage limits by Metropolitan Statistical Area and county.

 

In high-cost areas of the country, FHA’s loan limit ceiling will increase to $726,525 from $679,650. FHA will also increase its floor to $314,827 from $294,515. Additionally, the National Mortgage Limit for FHA-insured Home Equity Conversion Mortgages (HECMs), or reverse mortgages, will increase to $726,525 from $679,650. FHA’s current regulations implementing the National Housing Act’s HECM limits do not allow loan limits for reverse mortgages to vary by MSA or county; instead, the single limit applies to all mortgages regardless of where the property is located.

 

Due to robust increases in median housing prices and required changes to FHA’s floor and ceiling limits, which are tied to the Federal Housing Finance Agency (FHFA)’s increase in the conventional mortgage loan limit for 2019, the maximum loan limits for FHA forward mortgages will rise in 3,053 counties. In 181 counties, FHA’s loan limits will remain unchanged. By statute, the median home price for a Metropolitan Statistical Area (MSA) is based on the county within the MSA having the highest median price. It has been HUD’s long-standing practice to utilize the highest median price point for any year since the enactment of the Housing and Economic Recovery Act (HERA).

 

The National Housing Act, as amended by HERA, requires FHA to establish its floor and ceiling loan limits based on the loan limit set by FHFA for conventional mortgages owned or guaranteed by Fannie Mae and Freddie Mac. FHA’s 2019 minimum national loan limit, or floor, of $314,827 is set at 65 percent of the national conforming loan limit of $484,350. This floor applies to those areas where 115 percent of the median home price is less than the floor limit.

HUDFHA2019LoanLimitsManufacturedHousingIndustryDailyBusinessNewsMHProNews

Any areas where the loan limit exceeds this ‘floor’ is considered a high-cost area, and HERA requires FHA to set its maximum loan limit ‘ceiling’ for high-cost areas at 150 percent ($726,525) of the national conforming limit. 

Based upon the volume of FHA endorsements in FY 2018, the following chart represents the number and share of counties where FHA loan limits are at the ceiling, floor and somewhere in between.

To find a complete list of FHA loan limits, areas at the FHA ceiling, areas between the floor and the ceiling, as well as a list of areas with loan limit increases, visit FHA’s Loan Limits Page

 

###

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

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NOTICE: Readers have periodically reported that they are getting a better experience when reading MHProNews on the Microsoft Edge, or Apple Safari browser than with Google’s Chrome browser. Chrome reportedly manipulates the content of a page more than the other two browsers.

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

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2) To provide a News Tips and/or Commentary, click the link to the left. Please note if your comments are on-or-off the record, thank you.

3) Marketing, Web, Video, Consulting, Recruiting and Training Re-sources

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.

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National New HUD Code Manufactured Home Production Data Summary, September 2018 Analysis

November 8th, 2018 Comments off

NationalNewHUDCodeManufacturedHomeProductionDataSummarySept2018ReportAnalysisDailyBusinessNewsMHProNews

The most recent data collected on behalf of the U.S. Department of Housing and Urban Development (HUD) reflects a small dip in new manufactured home production.

 

According to information and analysis provided by MHARR, the following are the totals for September 2018.

Just-released statistics indicate that HUD Code manufacturers produced 7,519 homes in September 2018, a 0.8% decline from the 7,580 HUD Code homes produced during September 2017. Cumulative industry production for 2018 now totals 74,207 homes, an 8.4% increase over the 68,419 HUD Code homes produced over the same period in 2017,” said MHARR.  Their full report is found at the link below.

 

September 2018 Manufactured Home Production Data Shows Slight Flatline

 

The following graphic reflects the top 10 states, since the date shown.

 

ManufacturedHomeShipmentsSept2018DailyBusinessNEwsMHProNEws

 

Sobering Regional and State Data

As MHProNews alone has spotlighted in national manufactured housing trade media, several states are still sliding in shipment levels.  That includes some of the top producing states in the nation.  The industry’s professionals needs to ask and answer the question in their own market(s), with an affordable housing crisis, how can the industry not be doing much better?

 

New Shipment Data, Top Manufactured Home State, Other MH States Continue Slide

 

ICYMI, or need a refresher, see those 2 new, separate-but-related regional reports and analysis, at the links above and below.

 

Another Top Manufactured Home State is Sliding on New HUD Code Home Shipments, More New Data

 

These are post-production, marketing and sales related issues.

ManufacturedHmeIndustryAchieveGreatPotentialAddressingResolvingCauseCorePerceptionIssuesLATonyKovachQuotePresentationPhoto

Where is MHI or other industry leading firms on this?  See the related report, linked further below.  That’s MH “Industry News, Tips, and News Pros Can Use.” © where “We Provide, You Decide.” © ## (News, analysis, and commentary.)

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

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Direct Relationship – Rule of Law, Sound Information, Equal Access, Profits & Pay – MHVille, Megyn Kelly, Tucker Carlson

November 8th, 2018 Comments off

DirectRelationshipRuleLawSoundInfoEqualAccessProfitsPayMHVilleMegynKellyTuckerCarlson

A group of protesters gathered outside the Northwest D.C. home of Fox News host Tucker Carlson on Nov. 7,” is how the left-of-center Washington Post and related video reported it.

 

 

The front door of right-of-center Fox News host Carlson’s home was cracked yesterday by purported AntiFa type protesters. In response to the matter, a stream of commentary across the divide has flowed. Here’s what NBC’s Megyn Kelley had to say.

MegynKellyTweetonTuckerCarlsonthreatDailyBusinessNewsMHproNews

There are legitimate disagreements on issues that people can have. But aren’t people’s home’s sacred?  Is it OK to have leftist agitators forcing people they disagree with out of public restaurants, where they are enjoying a quiet meal?  The WaPo video above makes that tie-in too, showing a brief clip of Ted Cruz being confronted with angry protestors at a restaurant.

 

Think it doesn’t matter to MHVille?

Think again. Because some of the same types of agitators and protesters have gathered to disrupt businesses and professionals in our industry. Imagine if your business – or you personally – were the target of this kind of disruptive, intimidating action.

Expose! Why Has Warren Buffett/BH Funded Anti-MHC Activists, MHAction? Why Fund Attacks on ELS, Frank Rolfe, Blackstone Group?

To make the point for manufactured home professionals, ICYMI or need a refresher, see the above and below.

MH Communities, Owners, MH Independents Alert – NMHOA and MHAction Next Steps? – Part 1

Notice that the common thread here is that these cases are routinely left-wing, anti-Trump activists.

Senator Rand Paul (KY-R) was attacked and injured outside of his home by a neighbor.  Louisiana Representative Steve Scalise was shot and almost killed while playing baseball with others from Congress.  Someone also was arrested mailing what looked like pipe-bombs to various Democratic backers, political figures and pro-leftist CNN.  All of that is tragic, on either side of the political aisle.  But the reality is that it is more common – and specifically organized on the left.  On the right, the early indication is that no-explosions purported pipe-bomb mailer was that he acted alone.

The 45th President condemned it all, on both sides of the aisle. But the expected House Financial Services Chair Maxine Waters (CA-D), was encouraging people to push back at conservatives in public places.  Waters isn’t alone.  Senator Cory Booker (NJ-D), a potential presidential candidate, encouraged people to go up to Capital Hill and get into the opposition party’s faces.  That’s a clear, bright line distinction.

So too is the notion that to date, there are not reported ties between conservative billionaires and violent protesters.  By contrast, Warren Buffett, George Soros and other billionaires have per Open Secrets and other sources provided money to foundations that in turn paid groups that organized such AntiFa style tactics.

 

RBG’s Fall and the Midterms

Supreme Court Justice Ruther Bader Ginsburg (RBG), a progressive or leftist judge, has reportedly taken a fall and has suffered injuries.  Certainly, everyone should wish her well and pray for her recovery.  But it is a stark reminder of just how important the GOP holding onto the Senate, and expanding their margin is.  If another Supreme Court opening occurs in the next 24 months, President Trump could get another pick in his first term of office.

Those Errant Public Opinion Polls

Florida News Network’s Larry Spillman raised the topic this morning about several polls that showed Mayor Andrew Gillum (D-gubernatorial candidate) and Senator Bill Nelson (FL-D) several points ahead, just days before the election. Spillman asked a polling expert, how did the polls get it so wrong? The polling expert answered that this way, “Polls are based on assumptions.” Polling uses statistical models based upon turnouts.  ‘Flawed baselines, amplify flawed results,’ said Spillman.

On Monday evening, well before polls closed, Fox News stunningly announced the House was going to be won by Democrats. That was based upon exit polls, and other research.  While it was ‘accurate,’ did making the announcement hours before polls closed in western states cause how many voters to just go home?  Would Jon Tester (MT-D), for example, have won in Montana? Per Helenair yesterday, with 562 of 669 precincts reporting, Democratic Senator “Tester had amassed 234,025 votes, or 50 percent of those cast, to [Matt} Rosendale’s 222,544 votes, or 47 percent.”

In Indiana, some sources claim that backers associated with Senator Joe Donnelly (IN-D), who lost to Republican Mike Braun, provided campaign support to a Libertarian candidate in that state.  While Braun won anyway, had the totals been closer, that kind of trickery – which may be legal – is nevertheless an indication of how the left often ‘plays the game.’

 

Ballots and Bread Box

There’s a direct relationship between the ballot box and the bread box.” –

Walter Reuther, (1 September 1907 – 10 May 1970)
was an American labor leader and president of the United Auto Workers, WikiQuote.

 

Give Us the Ballot, We Will Transform…”
– Martin Luther King, Jr.

“Every man must decide whether he will walk in the light of creative altruism [i.e., unselfishness] or in the darkness of destructive selfishness.”

– Martin Luther King, Jr.

The good news is that with a media that researchers say is biased some 90 to 92 percent against President Trump, the GOP still picked up seats in the Senate.  A split Congress is better than an entirely hostile one.

  • Massive Money
  • Media
  • Manipulation
  • Threats and intimidation were part of the run-up to 2018, and have picked up immediately afterwards, with this incident at Tucker Carlson’s home.

MHProNews reported that 7 of the top 10 U.S. billionaires are pro-Democratic.  So are others, like Tom Stayer, and George Soros.  Democrats often decry ‘dark money’ in politics, but they have the lion’s share of it. In fact, that is part of the Democratic game.  Point fingers at your opponent, and accuse them of racism, fascism, making false statements, or whatever, while they are the ones who are using strong arm tactics.

Tim Williams of 21st Mortgage wasn’t wrong when he said that the “progressive agenda” is a threat to MHVille.  Its just that Williams himself backed a progressive, as has Clayton, MHI, and Berkshire Hathaway’s Warren Buffett.

As Marty Lavin has said,

  • pay more attention to what people do than what they say, and
  • Follow the money.

The industry’s investors and independents did okay on Tuesday.  There is clear evidence that good information, and strong leadership can pay off.  The positive economic track record is there for the 21 months since the president took office.  To win in 2020, to free the industry from the corrosive and costly effects of billionaire leftists, their media allies, and their thugs, the battle has begun.

Thanks for staying tuned, but more important, get involved. That’s “News through the lens of manufactured homes, and factory-built housing,” © where “We Provide, You Decide.” © ## (News, analysis, and commentary.)

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3) Marketing, Web, Video, Consulting, Recruiting and Training Re-sources

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.

 

 

 

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Tara Reardon, ROC’s-On Sharing Manufactured Home Solution with Thousands

November 2nd, 2018 Comments off

TaraReardonROCsonSharingManufacturedHomeSolutoinWithShousandsDailyBsuinessNewMHproNews

 

It is better to light one candle than to curse the darkness.”

– motto of the Christopher’s

 

There are good reasons to be open to concepts from across the left-right divide, as pro-free enterprise, pro-Constitutionally limited government MHProNews has exemplified for years.

Among the stronger voices for successfully promoting manufactured homes in a positive light has been those coming from the ROCs, or Resident Owned Communities.

Resident ownership isn’t the only solution for affordable quality living, as Paul Bradley has told MHProNews, but ROCs are a proven one.

As one reads this op-ed by Tara Reardon, consider doing your own letter-to-the-editor, at least once a year in your own market(s).  Don’t make it a plug for your business, or the odds are good it won’t be published.

Do make such a letter educational, as Reardon has done.

 

LinkedInTaraReardonROCNHDailyBusinessNewsMHProNews

Finally, ask yourself.  Why is it that the Manufactured Housing Institute (MHI) has for some 15 years failed at this same task, a point that their own prior president, Chris Stinebert has made, among others.

Reardon’s letter was originally posted at this link here.

NHBusinessReviewManufacturedHousingSolutionAffordableHousingTaraReardonDailyBusinessNewsMHProNews

Manufactured (or mobile, as most people call them) homes represent the largest stock of unsubsidized affordable housing in the United States, with nearly 18 million Americans calling them home.

Their modern amenities and affordable prices make them an attractive option for people wanting to own their first homes, or to downsize.

But despite their clear economic and lifestyle advantages, some people consider manufactured homes a last resort, rather than a great choice. That’s because of outdated notions about the quality of the houses, the communities where they’re located and the people who live in them.

The mention of manufactured homes often conjures visions of old dilapidated trailers, and it’s true that they still dot New Hampshire’s landscape. It’s also true that you’ll find broken-down and neglected site-built homes along many a country road.

Modern manufactured homes are built to federal code, in a controlled environment, and can contain all the modern amenities that we HGTV-watchers dream of. These homes are not only well-built and attractive — they’re also affordable. The average cost to build a manufactured home is 50 percent less expensive per square foot than a comparable site-built home, excluding land cost.

My family recently moved from a big home where we raised kids and held large-family gatherings, with plenty of space and bathrooms, and a large lawn that required lots of upkeep, to a smaller downtown home on a 0.11 acre lot. I, like many empty-nesters, am relieved not to have to heat and light all that
extra space, not to mention the yard work and the clutter we accumulated just because we had the room.

My neighbors are just feet away, and we happily coexist in the dense urban block. I see and greet my neighbors far more often. I knew when Frank got a new knee and what time the kids leave for school. Chester and his dog, Honey, greet me on my way by. If they needed help, or something were amiss, I would know instantly. We now walk to our jobs and to Main Street. That is what I love about living in my neighborhood.

So why do we have this vision in our heads that living in a manufactured-home community is undesirable?

I work with folks in New Hampshire’s 126 resident-owned communities (ROCs). Their homes are small, but more than adequate for their needs. Their utilities are affordable and their space comfortable, on one level and easy to maintain. Their car is quickly accessible, parked right next to their homes. They own their homes and pay taxes on them just like I do.

These homeowners collectively, as a cooperative, own the land under their homes and manage their communities. They know if an elderly person’s shades aren’t raised in the morning, help might be needed. Their streets are private and more narrow, perfect for walking or bike riding.

My experience has shown me what a great housing option this is for more than 7,200 New Hampshire households. Yet some towns’ zoning ordinances include their manufactured-home regulations in the section that deals with campgrounds!

Worse yet, some towns require that manufactured homes be located at least 25 feet from the property line (a typical restriction) unless the adjacent property is zoned residential. Then the setback requirement doubles to 50 feet!

We have an affordable-housing shortage, and folks way smarter than I have pointed to manufactured housing as one solution. It makes sense, and for this housing to realize its potential, professionals who sit on planning and zoning boards, city councils and select boards owe it to their communities to understand the realities of modern manufactured homes. They’re likely to be surprised that they’re not the “trailers” they remember.

Manufactured-home communities combine the practical aspects of the tiny house and cluster development trends that have drawn a lot of positive attention. It is time to honestly consider all housing options, and not only consider manufactured housing as a component of the solution we are looking for, but to start planning our communities to include this common-sense housing choice.

Tara Reardon is director of ROC-NH, a program of the New Hampshire Community Loan Fund.

##

To give a fuller understanding of the ROC pitch, see their video below. Note that the ROC video below uses some outdated statistics.  More accurate information will be found on the infographic, immediately below.

 

InfographicMobileManufacturedHomeManufacturedHousingIndustryFactsDataResearchMobileManufacturedHomeLivingNews

 

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

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2) To pro-vide a News Tips and/or Commentary, click the link to the left. Please note if comments are on-or-off the record, thank you.

3) Marketing, Web, Video, Consulting, Recruiting and Training Re-sources

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.

 

 

 

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“Girls of Steel,” 3 Untold Stories of Job Creation, Growing Opportunities for MHVille

November 1st, 2018 Comments off
GirlsOfSteel3UntoldStoriesJobcreationMIllionsNewOpportunitiesMHVilleWhiteHouseDailyBusinessNewsMHProNews

Composite of stills from video posted further below.

These three stories of actual Americans are the ones that don’t normally make the evening news.

 

These three stories in the video below are ones that can make a significant difference to all housing professionals, but particularly to manufactured home professionals.

We’ll set aside for the next few moments the question of why these stories aren’t headline news on all major networks, that can be better understood in some of the related reports, linked further below.

But for the next few minutes, consider some facts that the Daily Business News on MHProNews alone consistently reported in MHVille.

There are stories of significant-to-huge opportunities, when one listens carefully to all the details to discussions on existing laws, and current policies.  This is not pie in the sky, someday, maybe – but current realities, under this new administration.

In the video below, for example, we hear that there are already 3,900 Opportunity Zones between the 50 states.  Odds are good that one or more are near you and your business.

This jobs initiative that Ivanka Trump, Larry Kudlow, three “working class” people on this video and President Donald J. Trump discuss is reality.  This jobs private sector via White House leadership initiative isn’t a theory, it’s a reality.

 

Are You Connected to or Invested in the Sales of Manufactured Homes?

If you are in any way connected to the sales of manufactured homes, this video and report are important news for you.

Why?

Because typically someone on unemployment, or some other form of welfare or public assistance have a difficult time qualifying for the purchase of housing.

There are systemic problems that the federal government has failed to properly address for over 15 years.  Bipartisan efforts in the mid-1990s gave the U.S. a balanced budget, and a surplus.  It was one of the crowning achievements of the otherwise partisan rancor of the President Bill Clinton(D)-Speaker Newt Gingrich (GA-R) era.

It was also during that era that the Manufactured Housing Improvement Act was passed. There was bipartisan efforts between Democrats and Republicans.  There was also a reach-across-the-aisle between the Manufactured Housing Association for Regulatory Reform (MHARR) and the Manufactured Housing Institute (MHI), and key business and state association leadership. That topic will be studied in the near term, perhaps after the midterms.  So now, let’s turn back to the White House press release on jobs that follows.

Over 100 companies have committed to this job creating program.

The first roughly 15 minutes of this White House video includes all three of the workers in the featured image, shown at the top.  The “Girls of Steel” is just one of several initiative programs that have launched with no, zero, zippo taxpayer cost.

Keep in mind that more people working, means less money spent on public assistance programs for the unemployed or those in poverty.  Programs like the enterprise zones and initiatives like those discussed will create more jobs, so there will be less unemployed. Last night’s jobs numbers reflects a trend that if properly understood, addresses one of several long-term systemic problems that has gone unaddressed for too many years.  ICYMI, see last night’s report, later for more details.

 

Who Gets Credit? Latest National Data, Including Wages, Salary Jump Decade’s High-VIDEOS, Plus MH Market Updates

 

If you:

  • listen and watch the working man and the two women in this video,
  • have a mind and a heart,
  • you will be moved, and impressed.

The White House is using the bully pulpit – plus good policies – to engage businesses in ways that are creating literally millions of job opportunities.

Some may have heard a sound bite on a network where President Trump’s economic adviser, Larry Kudlow says that “This is the blue-collar, middle-class Trump Economy.” That part of the discussion starts at about 16 minutes, and runs to about the 17.30 mark.

Frankly, almost every minute of this is packed with information that is useful, will be surprising to some, and will be eye-opening, practical, and even inspiring to others.

 

 

The president has some powerful points, but we will mention only one, before sharing the White House’s full press release to the Daily Business News.

We were letting our country go to hell,” said President Trump under both parties, “…in so many ways, and we can’t do that” any more going forward.

If an open minded, but anti-Trump person watches and reads this, it will at a minimum cause that person to sit back and ask, how could this not be front page news?  How could announcements like this one below not be a lead story on evening newscasts?

The White House statement to MHProNews follows.  Feel free to fact check it, to convince yourself or others, because we don’t publish information on MHProNews that we deem to be inaccurate. The Oval Office statement will be followed by some closing thoughts.

 

WhiteHousePressRoomPresidentDonaldJTrumpCommittmentWorkforceGeneratesTrainingOpportunitiesMillionsAmericansMHProNews

 

‘This is the blue-collar, middle-class Trump Economy’

As Larry Kudlow sat with President Donald J. Trump and Ivanka Trump in the White House State Dining Room, he revealed a telling fact about the new American economy under the Trump Administration.

“We are looking at blue-collar wage increases [that] are rising faster than white-collars,” said Kudlow, Director of President Trump’s National Economic Council. “Now, I’m not against white collars, but I’m saying this is the blue-collar, middle-class Trump Economy”—one where manufacturing and other industries that fuel prosperity in America’s heartland are thriving once again.

In the past, that wasn’t always the case. Too often, economic growth would concentrate in the hands of a wealthy few rather than lift up all American workers.

Just over three months ago, President Trump made it clear that his Administration wouldn’t let that happen during this economic boom. In July, he unveiled his Pledge to America’s Workers, calling on private companies and associations to expand programs that educate, train, and reskill Americans from high-school age to near-retirement.

 

 

Ivanka Trump has helped lead the charge, traveling to more than 14 states to visit job centers and technical education programs across America. She was also instrumental in helping shepherd the Perkins Career and Technical Education Act through Congress this summer, marking the program’s first modernization in more than a decade. Perkins CTE authorizes more than $1 billion in vocational and career-focused education funding for more than 11 million American students.

Since July, more than 160 companies have answered the President’s call to invest in career-development opportunities for our workforce. This summer, Walmart pledged 1,000,000 such opportunities. IBM pledged 100,000. FedEx pledged more than 500,000. And today, President Trump announced that the total number of commitments under the Pledge now exceeds 6 million in just over 3 months.

“The previous Administration said there won’t be any more manufacturing jobs—you’re going to need a magic wand and all of that,” President Trump said today. “Well, we had the magic wand, because we have almost 600,000 manufacturing jobs since the election. And it’s going to go much, much higher than that.”

Answering the pledge: More than 6 MILLION opportunities committed

The other thing that hasn’t been seen much in the mainstream news coverage about this administration compared to prior ones are stories like the one below  The White House held a Halloween event.  An unbiased media would normally cover such matters, so why is so little of it taking place during this administration?

Photo of the Day

POTUSDonaldJTrumpFLOTUSMelaniaTrumpHalloweenWhiteHousePhotoDailyBusinessNewsMHproNews

###

The video above was added by MHProNews, and is from the same event captured in the still White House photo, above.

 

Closing Thoughts on the Meaning for MHVille of this News Item

The following is a comment from a widely known personality in MHVille, who has deep ties to MHI. It’s important food for thought.

The news today has a real illness.  There’s few facts printed.  Mostly what you see is opinion sanctimoniously delivered as fact.  Most of our national media produce stories designed to solicit a response of being appalled by someone’s or some group’s behavior.  With many, mostly on the Left, you can’t even have a civil discussion about a topic.  People likely agree more on certain topics than they do on ultimately conclusions.  For example, are you for reasonable fiscal management?  Most would say yes, but then many would vote for a politician promising unsustainable spending.” – from a mid-sized company owner, only one typo was corrected, the rest is verbatim.

The first video above near the end addressed the issue of spending, after the length discussion of jobs.  There are so many problems that faced the U.S.A., it is difficult to describe them all, but for the moment, let’s say foreign and domestic policy alike were suffering for decades.

Some conservative Republicans feared President Trump, thinking he was liberal, and not a real conservative. Democrats feared him, because they thought he could bridge the gaps between the GOP and some of the groups that Democrats depend upon, like labor and minorities.  Both were right, and wrong.

LawrenceYunNARShort8.3MillionHousingUnitsRisingRentsHousingPricesCuredOnlyByMoreBuilding

Yun and the NAR have pointed out the need for more construction, and underscored the reality of modern manufactured homes.  Why are so few in media picking up that compelling news story?  Collage by MHProNews.

It’s nonsense to say that President Trump is racist, or other similar and numerous slanderous allegations tossed his way.  Repeating a falsehood doesn’t make it true.  There are too many examples of African Americans, Latinos and other minorities that have known the president for years.  They don’t think he’s a racist. So why do such claims persist?

The Daily Business News pivoted from doing ‘straight’ news to doing news and commentary, that’s the responsible and candid thing to do. Each story is labeled as news, analysis, and commentary. That’s the proper disclosure, that much of the mainstream media lacks.

The related reports below indicate in depth how media could be so weaponized, but it could be boiled down to human nature and money.  Those talking heads are paid to say things.  Actors and actresses read lines, and that describes much – though not all – of the mainstream media. 

CompareMobileHomeTrailersPastManufacturedHomesSaferMoreDurableQuoteScholasticiaGayCororationPhotoSmallPercentageDamagedDuring

 

Stifel Investments 

Stifel Investments today tied violate stocks to the midterms.

Former CBS News award winner Sharyl Attkisson went independent, because during the Obama era she tried to report on stories that the network would not dive into. She talks about “the smear,” how the media can use character assassination, spin, mislead or false information.

Not every mainstream media story is ‘fake news.’  But some are. Often, what occurs is a mix of accurate information that may be taken out of context and weaponized.

That reminds us of what Brad Lovin said about how the media treats manufactured housing.

The industry has good reasons to vote for candidate that support this president. It makes no sense to vote for candidates that will support the agenda that is creating more jobs, lowering taxes and regulations, and bringing back hundreds of billions of dollars into the U.S.

In less than 2 years, there’s been substantial progress. But the supporters of ‘the left’ fear that measurable progress.  Many policies they believe in have been proven to be false, in less than 2 years.  Manufacturing and other jobs are returning. Wages – it was reported yesterday – are rising at the fastest pace in a decade.

It’s about the return to common sense.  

2 years ago, MHProNews projected – based upon a close reading of mainstream polling – how then candidate Trump could win.  The same is true for the midterms. Our publisher has deliberately allowed numerous pollsters to go through their full spiel during this election cycle. “Many polls are subtly designed to push a respondent in a specific direction. After over a dozen polls, some pollsters will hang up, if you give them the ‘wrong’ answer.  Many of these polls are designed to manipulate opinions, not survey them,” said L. A. ‘Tony’ Kovach.

In Florida and several other states, voting by party registration shows Republican ballots are ahead by thousands of votes.  A one of those independent voters, we’re encouraging industry professionals to use their common sense, and avoid emotional and other manipulation. 

Manufactured housing professionals should – more than many other professions – recognize that news gets spun, because that has happened to our industry for years.

PublishingHandPickedInformationCanBeWorsefortheImpressionItMakesOnManufacturedHomesandOurIndustryThanStatingEntirelyFalseInfo-BradLovinNCMHA

Elections come down each and every time to turn out and actual votes.  The House is harder to measure, but as many as 10 seats in the Senate could be Republican pickups once balloting next Tuesday, November 6 is complete. That’s what we see, based on numerous indicators we track.  In the House, it could go Democratic by a few seats.  But it could also be a hold of the majority — or even a pickup of a few GOP seats.

We wise. Be informed. Vote for more opportunities and proven results. See the related reports, further below. That’s “Industry News, Tips, and Views Pros Can Use,” © where “We Provide, You Decide.”  © ## (News, analysis, and commentary.)

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

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2) To pro-vide a News Tips and/or Commentary, click the link to the left. Please note if comments are on-or-off the record, thank you.

3) Marketing, Web, Video, Consulting, Recruiting and Training Re-sources

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.

 

 

 

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Compelling Information for Renters and Manufactured Home Owners

 

 

Short, Medium, Long Term Strategies – Step One – Manufactured Housing Marketing Sales Monday Meeting

October 29th, 2018 Comments off

 

ShortMediumLongTermnStrategiesStepOneManufacturedHousingMarketingSalesMondayMeetingDailyBusinessNewsMHProNews

Every good company, indeed every professional, should have a general short-, medium-, and long-term strategy or business plan.

 

What should your short-term strategy include?  Consider the following sobering points.

Every manufactured home business professional who has been in the business for 2 years or more has encountered several times the realities of how local, state, and federal regulations impact, limit or even deter the most cost-effective permeant affordable housing in the U.S. today.

Through regulations, zoning, financing, and other mechanisms – manufactured homes have been brought to their lowest production levels in the industry’s history.

 

Figure1MobileManufacturedHomeSalesSHipmentsVsExistingingNewHouseSalesManufacturedHousingiinudstryDataMHProNews

Data from National Association of Realtors.  It shows a sobering reality that the Arlington, VA based trade group may not want too many independents pondering the reasons ‘why’ the above data is true.  

 

This post will be done ‘backwards,’ in this respect.  It will start with what might be the second point, and then proceed to the first one.

 

Energize Your Base, Defuse Your Opposition

Unlike many industries that have de facto ‘fan clubs’ that effectively promote more sales, significant numbers of manufactured home owners have been led to think that rent control or other often Democratically promoted concepts.

Several state manufactured home owners associations affiliate with Manufactured Housing Action (MHAction), much like state manufactured housing professional groups affiliate with the Manufactured Housing Institute (MHI).

But as MHProNews and MHLivingNews have highlighted, these home owner groups have arguably been misled on several facts, not unlike how numerous manufactured home professionals have been misled by the Arlington, VA based ‘umbrella’ trade group.

When manufactured housing professionals learn how to connect more effectively with more of their homeowners, virtually everyone – perhaps save the monopolists – will benefit.

 

Compelling Information for Renters and Manufactured Home Owners

 

MHAction followers need to be informed how they are tied to Warren Buffett’s money.  Many of those followers have condemned Berkshire brands Clayton and related lending units business practices.

Rephrased, there could be a natural alliance between independent manufactured housing professionals and the mass of manufactured home owners, including those who may mistakenly be following MHAction.

“…the truth will set you free,” (John 8:32). Sharing the information linked below on MHLivingNews is prudent for MHPros, because it benefits home owners, investors, and professionals alike.

 

 

For Professionals and Investors Only…

When big money players are deeply involved in politics, that’s a signal to the rest of us.

It doesn’t mean that small- to mid-sized businesses (SMBs ) or investors have to match their money., which most of us can’t match the billionaires.  But what it should tell us is that from now through the midterms, political engagement is a wise short-term strategy.

2016 reminds us that the biggest dollars don’t always win.  Two examples will make the point. Among Republicans, former Governor Jeb Bush had more campaign money than perhaps any other candidate in the GOP primary, but he did terribly at getting delegates.

In the national election, former Secretary of State Hillary Clinton had hundreds of millions in more campaign money, but she lost in the all-important Electoral Collage vote by a wide margin to political newcomer, Donald J. Trump, who now is the 45th President of the United States (POTUS).

For those roughly 10-15 percent of voters who have not yet decided, the election is in their hands. For those pros who ‘get it’ that the Trump Administration agenda is good for the vast majority of Americans – save perhaps some monopolists/oligarchs and their allies – sharing articles like the this one and the one linked below may prove eye opening.

 

Following Facts, Money – Sam Zell, Warren Buffett, Tim Williams/21st Mortgage, and Manufactured Housing

 

This won’t be the only topic covered between now and Nov 7th.  But it is arguably the most pressing one. Mainstream media surveys, and site data on MHProNews, both indicate that voters are interested in hearing and reading about such issues in the closing days of the 2018 Midterms.

 

LATonyKovachGoodBipartisanshipShouldalwaysBepredicatedBenefitallhonestindustrymembersnotslectfewquote

The comment above was said with respect to another recent topic, but relates to this issue too.

 

Make this your short-term strategy. Share the links above, and of course, vote wisely. See the related reports, linked below.

That medium to long-term strategy?  Sign up for our emailed headlines news, and you’ll get those post-Nov 6th voting.

NOTICE: A new report will spotlight a multifamily housing initiative that MHI has not yet advised MH Professionals about. Per our sources, that should be Tuesday or Wednesday. Stay tuned to “News through the lens of manufactured homes, and factory-built housing,© where “We Provide, You Decide.”  © ## (News, analysis, and commentary.)

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

1) To sign up in seconds for our MH Industry leading emailed news updates, click here.

ManufacturedHomeIndustry#1HeadlineNewsMHProNews

To see a sample of our emailed news update, click here. To sign up for the factory-built home industry’s #1 headline news, click here or the graphic above.

2) To pro-vide a News Tips and/or Commentary, click the link to the left. Please note if comments are on-or-off the record, thank you.

3) Marketing, Web, Video, Consulting, Recruiting and Training Re-sources

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:

Father and Son, How Often? Common Sense, and Manufactured Housing Industry Week in Review 10-21 to 10-28-2018

 

Guggenheim ’Classic Seasonal Adjustment,’ Pollster says Hedge Funds Nervous Over Midterms, But GOP Can Win House and Senate, Plus MH Market Updates

 

 

 

Triad Financial Services Recent Reporting on Manufactured Home Lending

October 26th, 2018 Comments off

 

TriadFinacialServicesRecentReportingOnManufacturedHomeLendingTriadLogoECNCapitalLogoMHProNews

Triad Financial Service (TFS or Triad) formally closed on their acquired by ECN Capital on December 29, 2017.  For nearly 60 years, Triad has served the manufactured home industry, and other lenders.

 

Our prior reports on that are linked further below, under related reports.

 

TriadFinacialServicesLogoSecuredConsumerLoanPortfoliosSnapshotManufacturedHomeLendingKeyHighlightsTriadLogoECNCapitalLogoMHProNews

 

The screen captures that follow are from Triad’s second quarter reports, part of the larger ECN Capital quarterly reporting.

 

TriadFinacialServicesRecentReportingOnManufacturedHomeLendingKeyHighlightsTriadLogoECNCapitalLogoMHProNews

 

ECN has been part of the Daily Business News on MHProNews’ evening market report since the Triad acquisition, along with other manufactured housing industry connected publicly traded operations.

 

TriadFinacialServicesRecentReportingOnManufacturedHomeLendingOriginationsTriadLogoECNCapitalLogoMHProNews

 

Last night’s evening manufactured home industry stocks and market report is linked here.  The full ECN Capital 2nd quarter report – which includes the slides shown, but others as well – is linked here as a download.

Note that their loan performance data should a good reason for others – including, but not limited to, the Government Sponsored Enterprises – examining the manufactured home lending market to go beyond looking. “We Provide, You Decide.” © ## (News, analysis, and commentary.)

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

1) To sign up in seconds for our MH Industry leading emailed news updates, click here.

ManufacturedHomeIndustry#1HeadlineNewsMHProNews

To see a sample of our emailed news update, click here. To sign up for the factory-built home industry’s #1 headline news, click here or the graphic above.

2) To pro-vide a News Tips and/or Commentary, click the link to the left. Please note if comments are on-or-off the record, thank you.

3) Marketing, Web, Video, Consulting, Recruiting and Training Re-sources

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:

Triad Financial Service’s Parent Company, ECN Capital – First Data Report

Canadian ECN Capital Signs Agreement to Acquire Triad Financial Services, Inc.

“A Nation of Laws” – Donald Tye, Jr. Affordable Housing, and Manufactured Homes