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Politically Incorrect Cartoon Commentaries, Lighter Side of Making America and Manufactured Housing Great Again

June 9th, 2018 Comments off

16PoliticallyIncorrectCartonCommentariesLighterSideMakeAmericaAndManufacturedHousingGreatAgainMHproNEws

Long-time MHProNews readers know that over the years, we’ve broken many of the politically incorrect rules in MHVille reporting, and hard-hitting commentary.  You rewarded us with the most page views and readership of anyone in industry publishing, thank you. Thanks too for those who make this possible.

 

But today, to keep things light – and still make industry pros, investors, researchers and others think – we’re going to let these political cartoons do most of the talking.

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For years, manufactured housing’s future was mired in D.C. politics that seemed to have no end in sight.

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For example. Manufactured housing had near zero impact on the housing/mortgage meltdown of 2008.

Yet, the industry is routinely reminded by certain groups of its loose lending sins by lenders of roughly 2 decades ago. The bulk of those sins didn’t cost taxpayers. The mistakes of the 90s and early 2000s of operations like GreenTree and Conseco didn’t melt the economy down.

BrancoButIGotBiggerPayCheckNiceBonusChuckSchumerNancyPelosiTrickoftheRichManufacturedHousingIndustryDailyBusinessNewsMHProNews

But for some, those sins of the past seemingly can’t be absolved or forgotten.  Why is that so?

Why did conventional housing and lending get a hall pass, which cost taxpayers and the economy trillions in de facto bailouts, and federal taxpayer support?

BrancoSomebodyThreatenedToShootUpOurSchoolFBIBusyTrumpRussiaCollusionManufacturedHousingIndustryDailyBusinessNewsMHProNews

Why did manufactured housing – which a bi-partisan swatch of politicos and experts agree is an important part of the solution to the affordable housing crisis solution – get punished?

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The loudest voices aren’t always the correct voices.

The Daily Business News could go on and on this morning with questions like that, which our reports seek to answer.

Cartoonist Branco has done brilliant work, and the word is that from time to time, he’s retweeted by President Trump.

BrancoJohnMcCainGetOutYouLowLifeScumMitchMcConnelManufacturedHousingIndustryDailyBusinessNewsMHproNews

Just the facts. Its the elitists, those that know better, but screwed America up for the many for the benefit of the few for decades. They are in both major political parties.

We editorially supported President Trump, months before the 2016 primary was settled.

PoliticalCartoonIwasWinningCOmeyMustGoPresidentTrumpFiredHimManufacturedHousingIndustryDailyBusienssNewsMHProNEws

There’s so much news, but one must not forget what happened, in some cases, not so long ago. Memory is a gift that must be used, along with prudence, and a questioning mind.

We did so because an objective consideration at what Secretary Clinton presented, and promised looked like more of the same in Washington, D.C.’s swamp.

BrancoBerniesandersDrinkThisFreeSocialismHillaryClintonDrinkThisImAWomanSocialismAndCorruptionManufacturedHousingIndustryDailyBusinessNewsMHProNEws

Former DNC Chair Donna Bazile said that the primary was rigged against Senator Sanders. Their is evidence to suggest that the powers of the federal government wee being used to tilt the election in favor of Secretary Clinton.

We supported Candidate Trump, even thought Warren Buffett supported Secretary Clinton.

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Speaks volumes!

By contrast to Clinton, then candidate Trump is a business tycoon, a builder, and an entertaining communicator.

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Americans can’t afford to forget what it was like just 2 short years ago. The advocates of the corrupt socialist agenda never stop pushing. The price of freedom is eternal vigilance, plus action to defend our God-given, constitutionally protected rights.

Then candidate Trump energized the base of numerous business professionals, and the millions of what Ms. Clinton called “deplorables.” The president brought back the “blue collar Democrats” into the common-sense conservative cause.

President Obama pledged to veto Preserving Access if it hit his desk.

BrancoCNNTrumpTweetsanotherANntiCNNPostYear2038UpdateWeShoulseeEvidenceofTrumpRussiaCollusionAnyDayNowManufacturedHousingIndustryMHProNews

Any day now…

Secretary Hillary Clinton pledged to keep Dodd-Frank intact.

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Branco must get it on climate. No one wants dirty air or dirty water. But the climate agenda is about taxes, plus picking winners and losers.

S 2155 did half of what Preserving Access hoped to do, but it also did much more, and President Trump signed it into law.

These are facts.  They may be politically incorrect, but they are facts.

BrancoSweatToDefendCOnstitutionAllEnemiesForeignAndDomesticManufacturedHousingIndutryDailyBUsinessNewsMHProNews

President Abraham Lincoln said that America would never be conquered from without, but only from within. Its the power grabbers, those that took big chunks of the financial, healthcare, and other sectors over that must be watched., and defeated legally.

We believe in common sense, even if it isn’t politically correct.

The economy is roaring, while obstructionists are screaming about every single thing they can, as if the president hates the Americans whose lives his policies are clearly improving.

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If Russian interference with elections is a serious issue, and it is, then why isn’t voter fraud a serious issue?

If you aren’t comfortable with the president’s tweets, don’t read them. But watch his bottom line results.  Promises made, promises kept.  Make America Great Again. That’s patriotism.  That’s common sense.

Pay attention to what is getting done now, that was not getting done before in Washington, D.C.’s swamp.

UnmaskingAntifaSorosDonaldJTrumpBrancoManufacturedHousingIndustryDailyBuisnessNewsMHProNews

George Soros and other uber rich billionaires oddly often support socialistic, and leftist causes, why? Does big government = power? Does supporting big government give the uber rich more influence than every day Americans? Drain the swamp.

Regulations are frozen, thanks to the President’s executive orders. Pam Danner is gone at HUD. Thank you, Secretary Carson, please keep it that way.  Please make sure that Danner isn’t returned, and that the replacement is some hand-picked candidate of the billionaire crony capitalists who seek to dominate our industry, to the harm of the majority of small to mid-sized businesses.

The DOE energy rule is frozen, thank you Secretary Perry, please keep it that way.

As the midterms approach, why not vote for common sense? Why not vote for those who support the man getting things done?  Why not support the 45th president’s policy and agenda?

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

The Fed just announced that the net worth of Americans has hit 100 Trillion dollars.  Talk is cheap. Action speaks louder than words. Thank you, Mr. President.

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The president’s birthday is coming up next week. We support making America and our industry great again. We are willing to be politically incorrect to do so.

The cartoons speak volumes.  Consider sharing them and this post with your circle of influence.

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

You can join the thousands who get our headline MH “Industry News, Tips, and Views Pros Can Use” © at the link here, or below. Enjoy the results.  Let’s keep the common-sense, politically incorrect progre$$ going, shall we?  ## (News, analysis, 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.

FEMA Doles Out $4.5 Million to Fire Victims

October 8th, 2015 Comments off

Calif_fires_9_2015__kgo_tv_creditThe Federal Emergency Management Agency (FEMA) has disbursed more than $4.5 million to victims of the Lake County, California Valley Fire that wiped out over 1,230 homes, as MHProNews reported Sept. 24, 2015, $3.2 million to pay for housing, according to record-bee.

Of the 2,861 residents and businesses that have registered with FEMA since President Barack Obama declared the area a disaster zone, 2,050 of those have been in Lake County. The 21 inspectors in the field who have completed 1,591 investigations include housing inspectors who assess damage of homes that have been registered, and operations inspectors who determine manufactured housing needs. FEMA had only expected about 2,000 registrants.

Meanwhile, the U. S. Army Corps of Engineers are considering specific sites for manufactured homes.

While FEMA external affairs specialist Steven Solomon says the agency is pleased with the level of repsonse, he adds, “I would encourage anyone holding back from registering to do so as soon as possible. ##

(Photo credit: kgo-tv–Valley Fire in California)

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

Manufactured Homes may House Fire Victims

September 24th, 2015 Comments off

Calif_fires_9_2015__kgo_tv_creditOn the heels of the wild fires that have scorched areas of northern California in recent weeks and destroyed 1,230 homes, the Federal Emergency Management Agency (FEMA) took an aerial view of the Valley Fire devastation following President Barack Obama’s declaration of Lake County as a disaster zone. FEMA has asked those whose homes were destroyed to file the necessary paperwork so that the cleanup can begin, as abc7news tells MHProNews.

FEMA administrator Craig Fugate said publicly to the Valley Fire survivors, “Get in contact with us so we can plug you in and find out how to best help you.Mark Ghilarducci, director of the California Department of Emergency Services, said, “We’re looking at everything from hotels to what rental properties may be available, to opening an old resort – the Konocti Harbor Inn – to also maybe putting manufactured housing on the ground.

Noting that their assistance goes to the most needy, fire victims must register with FEMA to obtain the assistance. 100 people had registered in one day at a Red Cross Center. Fugate made it clear that for people who lost their homes but had no insurance, FEMA will not rebuild their home, although their average payment per household is $7,000. ##

(Photo credit: KGO-TV)

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

President Obama and Julian Castro tout lower FHA premium

January 9th, 2015 Comments off

julian-castro-housing-urban-development-hud-secretary-posted-daily-business-news-mhpronews-com-In a move designed to bring more first-time homebuyers into the housing market, President Barack Obama said Wednesday the Federal Housing Administration (FHA) will lower its annual insurance premiums from 1.35 percent to 0.85 percent.

CNBC tells MHProNews that for the typical FHA applicant, the reduction in premiums means a savings of about $80 on their monthly payment, according to CoreLogic’s chief economist, Sam Khater.

A manufactured home lender that does FHA loans told MHProNews  off the record that this will be good for the industry.

Many people feel that this lower insurance premium, along with FHA’s 96.5 percent Loan-to-Value (LTV) lending, will make those mortgages more competitive with the GSE loans. Chris Freemott, an executive at Midwest Equity Mortgage in Oak Brook, Illinois, said, “If you want to call it a tennis match between Fannie and the FHA, they just returned Fannie’s serve.”

In a news release from HUD, Secretary Julián Castro said, “This action will make home ownership more affordable for more than two million Americans in the next three years. By bringing our premiums down, we’re helping folks lift themselves up so they can open new doors of opportunity and strengthen their financial futures.”

Mortgage bankers praised the decision. “It couldn’t come at a better time,” said David Stevens, CEO of the Mortgage Bankers Association. “February is the beginning of the spring market. I think it will have a definitive impact, particularly in the first-time homebuyer market.”

The reduction will likely come under scrutiny by some on Capitol Hill, as the FHA is still building its capital reserves and is not yet above the mandatory 2 percent minimum. It is back in the black, after having bled cash for two years.

McClatchy News reported that POTUS Obama used a speech in Arizona to address push back from conservative Republicans, who argued that lowering mortgage insurance premiums would leave taxpayers on the hook if the housing sector should go belly up again.

These rates are for responsible buyers. We’re not going down the road again of financing folks buying things they can’t afford,” Obama said. “We’re going to be cracking down on that. We put in place tough rules on Wall Street, and we created a Consumer Financial Protection Bureau, and we’re really policing irresponsible lenders luring folks into buying stuff they can’t afford.” ##

Related story, linked here.

(Julian Castro photo credit: HUD)

sandra-lane-daily-business-news-mhpronews-com-75x75-Article Submitted by Sandra Lane to – Daily Business News- MHProNews.

Troubling Income-gap reports; do they spell growth potential for manufactured housing?

November 16th, 2014 Comments off

income-inequality-graphic-daily-business-news-mhpronews-com-350x258lightblue-The New York Times reports that the super rich are pulling away from the millionaires in America. Federal Reserve and other policies which prop up the stock markets, benefit the top fraction of 1%, which has lead to high demand for luxury goods. Meanwhile the HeraldTribune says the United Way in Florida issued a report that 30% of the population in their state make more than poverty level, but barely enough to pay for the necessities or life, including housing.

“In Manatee County, for example, the United Way report estimates that a family of four with an infant and preschool-age child needs $1,117 a month for child care, $995 a month for housing, $699 a month for transportation, $531 a month for food, $426 a month for health care, $215 a month for taxes and $398 a month for miscellaneous expenses. A family would have to earn $4,382 a month to cover all these costs, an income level that is more than double the official poverty cutoff.”

Recent reports by the Government Accounting Office (GAO) and a prior one from Fannie Mae reflect the fact that monthly payments on manufactured housing are about 1/3 lower than the $995 monthly the United Way budgeted for housing. When pre-owned manufactured homes are considered, the monthly costs in many markets may be even lower.

While President Obama and some Democrats campaigned on income inequality as an issue this year, the Pew Research center quoted Florida Senator Marco Rubio talking about creating “a new opportunity society in America” as a conservative approach to addressing persistent poverty.

Income inequality has grown for many years, under the previous and current administrations. But the irony of doing fundraisers with the wealthy, while doing stump speeches on income inequality which has grown in the last 6 years is not to be missed; nor should the chance to tap the growing need for quality affordable housing the manufactured homes represents. ##

Related Stories – GAO report.

CNBC report with Fannie Mae graphic/monthly costs for housing comparisons

Download Pew Research report.

(Image Credit: MHProNews)

Rivers of Red – Elephant in the Room

November 5th, 2014 Comments off

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At 3:09 AM ET, Republican red was projected to carry a net pickup of at least 7 U.S. Senate seats, possibly as many as 9 once the dust settles in Alaska and Louisiana.

 

One of the lesser touted stories was the surge for Republicans in gubernatorial races, where tight races often tilted to the GOP.  A deep blue state such as Maryland, where President Barack Obama campaigned on behalf of Democrat Anthony Brown, lost to Larry Hogan (R). Equally blue Illinois saw businessman Bruce Rauner best incumbent Democrat Pat Quinn.

 

Republicans brought a wave of color and gender as well, with Tim Scott winning his previously appointed Senate seat, Joni Ernst winning in Iowa and even gay candidates winning under the GOP brand.

 

Among the subtexts to the night might be that Vice President’s Joe Biden saying that Independent Greg Orman would ‘be with them,’ led to a million robo-calls by Republican Pat Roberts quoting exactly that Biden phrase in what had previously been a tight race, as reflected by pre-election polls.

 

 

Congressional Races – credit Fox

 

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Gubernatorial races – credit CNN

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More election details and commentary on how this might play for manufactured housing professionals seeking regulatory relief is posted on the Masthead  blog today. ##

(Elephant image credit: Kera News).

 

Nominee to Head HUD Testifies before Senate Banking Committee

June 20th, 2014 Comments off

Julian Castro, current mayor of San Antonio and President Barack Obama’s nominee to be the next secretary of the Dept. of Housing and Urban Development (HUD), was grilled during his Senate Banking Committee confirmation hearing about cities using eminent domain to condemn mortgages by Sen. Patrick Toomey (R-PA), according to nationalmortgagenews.com. When Sen. Toomey asked Castro point blank if he would prevent the FHA (Federal Housing Adminstration) from utilizing this method, Castro, dodging the question, replied he would consult with the committee before taking a definite stance. He said he understands the concerns of mortgage lenders, but also, as a mayor of a large city, “I can understand why communities with a whole lot of folks underwater might think of this method.” He reminded the senator this method has yet to be used although it has engendered litigation.

On other topics the atmosphere was more amenable: He supports the senators efforts to strengthen the FHA’s mortgage insurance program as well as to wind down Fannie Mae and Freddie Mac; and, as MHProNews has learned, Castro wants the FHA to support homeownership opportunities for first-time home buyers and those of modest means. He also assured Sen. Mike Crapo (R-ID), “I share with you a commitment to ensuring that the FHA has a positive capital reserve ratio. It is on the right track and it does not need another mandatory appropriation,” in reference to the $1.7 billion government bailout. ##

(Image credit: U. S. Department of Housing and Urban Development)

Mayor Julian Castro to Lead the Department of Housing and Urban Development

May 23rd, 2014 Comments off

President Barack Obama is moving Secretary of Housing and Urban Development (HUD) Shaun Donavan to be the Budget Director, and will nominate San Antonio Mayor Julian Castro to replace him. Now in his third term as mayor, Castro has focused on revitalizing the city’s urban core through a series of incentives to encourage inner city investment, according to politics.suntimes.com. Having earned a law degree from Harvard University in 2000, he set up a law practice in San Antonio and served on the city council for two terms. Javier Palomarez, president and CEO of the U. S. Hispanic Chamber of Commerce, says Castro has done more than anyone in addressing the city’s housing needs, as MHProNews.com has learned from sfgate.com. Palomarez says, “With great consistency, Mayor Castro has set aside political partisanship in the name of good policy decision making. We hope his confirmation process will proceed with that same collaborative spirit.” Donovan is replacing Sylvia Mathews Burwell who is moving to head the Department of Health and Human Services. ##

(Photo credit: Wikipedia Commons)

George Allen Fact Check: 6 Errors/Contradictions in one section alone (290/1)?

April 1st, 2014 Comments off

Caesar-Palace-main-fountain-at-night-in-Las Vegas-NV-WikiCommons-posted-on-mhpronews-comThe Washington Post famously hands out “Pinocchios” for false or misleading statements made by public officials they fact check, including notables such as U.S. President Barack Obama, Russian President Vladimir Putin and other foreign or domestic public figures.

Since the MHIndustry’s George F. Allen boldly proclaims himself weekly to be a “reporter” and “communications resource,” let’s see in just one of the three parts (not counting his standard introduction, or “end notes”) in his recent post how many errors or contradictions this alleged “reporter” makes.

1) The first error/contradiction is found in the very first sentence in George F. Allen’s blog post (#290, section I); which is a typo of one of his own publication’s name.

2) When George Allen wrote;

“…NEVER EVER ENGAGE IN PUBLIC BACKSTABBING of MHBusiness associates online or anywhere else!”

…does Allen realize he violated that principle in that very paragraph, in his own blasting of the Manufactured Housing Institute’s (MHI’s) popular Congress and Expo? Is it ‘Do as I say, not as I do?’ for Allen in Indy? Does Allen hold himself and his friends to this standard, or not?

3) The early bird special for Congress and Expo runs through Friday, April 4, so Allen has 2 fact errors in his second bullet point, and once more violates his own stated principle of “…NEVER EVER ENGAGE IN PUBLIC BACKSTABBING of MHBusiness associates online or anywhere else!” As a side note, when has MHI ever attacked Allen’s so-called Roundtable or other “meetings” publicly?

4) Allen’s paragraph five states registrations for MHI’s Congress and Expo in 2014 “…are up 30 percent over last year!” An MHProNews source at MHI puts that at up 39% increase over last year, as of 3PM ET, 3/31/2014. Doesn’t that fact-error contradict his bullet point 3, which boldly claims his location has become “the hub…” “…of 1) research, 2) resources, 3) communication, 4) networking, 5) deal-making, 6) PM training & certification, and when need be, 7) national advocacy…” What Allen himself has said in a prior blog post, that he agitatesagainst MHI seems accurate. If MHProNews grades errors and contradictions on the curve, that would be a sixth fact/contradiction error. But if you look at the fact that accurate research, business building resources, more (…and more accurate…) communications, some 5 times more networking at the Congress and Expo event alone, true testing and certification through MHEI’s ACM (Accredited Community Manager), those first 6 claims are all errors/contradicted, because he is clearly not “…the hub…” based solely on Allen’s own missive. As to Allen point 7), when has Allen last engaged in “national advocacy” on an issue with Congress, the CFPB, HUD or other Washington based regulatory agency? Should that self-proclaimed “reporter” get a total 6 or 13 fact errors/contradictions for that one section of his blog? Does the Scripture-quoting Allen recall Exodus 20:16?

With so many obvious errors in just section “I” of a single Allen post – a pattern of errors which allegedly occurs routinely with this self-described “reporter” and “community-investor” – is it any wonder that the New York Times has not called George Allen to have a reporter spend a week in his “land lease life style community?”

For those wishing to learn the facts about the MHI/NCC 2014 Congress & Expo to be held on April 29 – May 1, 2014 at Caesars Palace in Las Vegas – or to save $200 on early bird special for the hottest ticket in the manufactured housing industry ‘business building, educational, networking and deal making’ with an estimated 1000 +/- attendees from companies of all sizes – please click here by Friday April 4 for the discounted rates.

MHI organizers say similar events in the home building or real estate industry often cost more, and tell us they have arranged for discounted room rates ‘while they last,’ but MHProNews – which will have a paying attendee of the event – encourages readers to check out the facts for yourself. ##

(Image credit of Caesar’s Palace main fountain at night in Las Vegas, NV: WikiCommons. Editor’s note: by way of disclosure, MHProNews’ parent company was hired by MHI to help promote this event, but we were not asked to comment or fact-check this George Allen article.)

Time Running Out on FEMA’s Manufactured Home Assistance

March 6th, 2014 Comments off

MHProNews.com has learned from northjersey.com 25 families living in Federal Emergency Management Agency (FEMA) manufactured homes as the result of Hurricane Sandy are facing an April 30 move-out date, although some have been told they must leave by April 1. That is when FEMA’s temporary assistance program will expire for the area of New Jersey devastated by the storm. The agency typically gives people 18 months to rebuild their homes or make other living arrangements.

New Jersey’s Governor Chris Christie asked for a six month extension in a letter to President Barack Obama, noting that many Fort Monmouth residents continue to wait for insurance settlements to pay for repairs, and continue to make mortgage payments. Marina Pesheva, who has been living with her two children and disabled husband at the decommissioned fort, just received $150,000, the state’s maximum under its Rehabilitation, Reconstruction, Elevation and Mitigation program. Pesheva says work will begin Monday on the modular home the family has ordered to replace their home that had to be razed, and should be finished in six weeks. ##

(Photo credit: Mary Frank/asburyparkpress.com–modular home being sited at Monmouth Beach, New Jersey)