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“The Creepy Line” Video DocuDrama, Manufactured Housing – The Problem, Solution, and You

October 18th, 2018 Comments off

 

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If MHProNews is writing about it, I want to know about it.”
Manufactured home industry executive reader.

 

Manufactured housing professionals use Google and Facebook for work and personally every day by the thousands.

Further, millions of manufactured home residents are doing the same.

Perhaps the most pressing, there is only one political force that is likely to take on this problem with anything might approach a solution.  These points are the ones that no one else in mainstream media are likely to mention, but will be the conclusion of this report on the subject of the raw power that Google and Facebook exercise in the U.S. and globally.

An eye-opening documentary, The Creepy Line reveals the stunning degree to which society is manipulated by Google and Facebook and blows the lid off the remarkably subtle – hence powerful – manner in which they do it,” per the summary/review on Rotten Tomatoes.

As former Google CEO Eric Schmidt said during a 2010 interview as he explained Google’s code of conduct: “The Google policy on a lot of things is to get right up to the creepy line and not cross it.”

However, as Dr. Robert Epstein explains in the film, “Google crosses the creepy line every day.”

The Verge’s review makes the movie sound too political.

 

But Epstein explains during the video that he believed the person in the 2016 election that was benefiting from search engine bias was the more “qualified” candidate. Epstein explains how he was drawn into his research into the “Creepy Line” by inexplicable action taken by Google.

RobertEPsteinManufacturedHousingIndustryDailyBusinessNewsMHProNews

Further the Verge made several salient points. “It [the video] takes its title from Google executive Eric Schmidt, who said in 2010 that Google’s job was to “get right up to the creepy line and not cross it.” Schmidt has gotten no end of flack for that quote, and it’s easy to point out that Google is, in fact, often very creepy.”

The Verge’s review says, that “This theory [the premise of the documentary “the Creepy Line”] has been fueled by news about political discussions within companies — like Google’s internal controversy over employee James Damore, who was fired after circulating a memo criticizing the company’s gender diversity efforts. Breitbart recently published a leaked video from a Google meeting just after the 2016 election of Donald Trump, which includes co-founder Sergey Brin calling Trump’s presidency “deeply offensive.”

It’s the Verge that points out the push from across Democratic and Republican party lines for antitrust action against Google and Facebook.

CNS lays out one of several reasons how these experts discovered the problem, in a personal way. “Jordan Peterson,” a “professor of psychology at the University of Toronto, Peterson discovered a day after his testimony against a controversial Canadian law suppressing free speech regarding gender that his YouTube account and Google gmail account had been blocked.”

 

Manufactured Home Industry Pros and Rigged Searches – A.K.A. “Search Bias”

This isn’t just a search challenge in political issues, because it can happen in business too.  There are industry pros who have told MHProNews that sites that once had better search results suddenly and dramatically took a turn for the worse.

 

 

If a monopoly of money and information can influence politics, it can clearly influence businesses too.

 

 

DannyGloverQuoteItsNotOnlyAMonopolyOfWealthItsAmonopolyofInformationasWellDailyBusinessNewsMHproNEws

Danny Glover quote from the fascinating video documentary, Shadows of Liberty, posted on the linked page above.

 

“Shadows of Liberty” Movie Introduction, Affordable Housing, and You

The fast-paced, engaging docu-drama “The Creepy Line” points out that at one point in time, no one spends more lobbying Congress than Google. Other sources indicate that Facebook is not far behind. But on this most recent cycle, Jeff Bezos has given millions personally to candidates.  Is there any doubt that he’s trying to buy votes to prevent antitrust action against Amazon and his other investments, which now include factory built housing?

 

$300 Billion Market, As Predicted, Jeff Bezos’ Amazon Alexa Fund Dives Deeper into PreFab Homes

 

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“…Epstein’s arguments are delivered in detail by a first-hand source,” but the Verge points out that other headlines and a variety of sources are used throughout the powerful documentary that even Rotten Tomatoes says is “eye opening.”  The Verge defends Google by saying that yes, they are biased, but that bias “is complicated.”

This is at the heart of the issue that we’ve been reporting on periodically for some time, which has included the work of Scott Galloway, who argues that regulation isn’t enough.  He and others believe that these tech giants must be broken up.

If you watch this on Amazon Prime, you’ll see why the Trump Administration is signaling that operations like these could be targeted with antitrust action after the midterms.  You can see a draft executive order on antitrust from the Trump Administration in the related reports further below.  That’s “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.)

 

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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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Professional, Investor Alert “Brace Yourself, This is How Much America’s 1 Percent Has Saved”

August 27th, 2018 Comments off


ProInvestorAlertTheBillionairesBraceYourselfHowMuchAmericasTop1PercentHasSavedDailyBusinessNewsMHproNews

Are you a business owner, executive or manager?  Do you have assets that make you a millionaire?

Or do you aspire to be in the 1 percent?

Then this alert is for you.

The potentially costly politics of class envy are on full display in the headline of an article on MarketWatch, which will be reviewed herein.  Notice for the minority of those who’ve been misled into believing that MHProNews hates billionaires, au contraire. We applaud success, and always have, so long as the wealth is achieved legally, ethically and sustainably. 

The system as it has functioned for much of the recent decades is frankly not sustainable.  Teddy Roosevelt busted the trusts – i.e. monopolies – in his era.  Are we ready to see “trust busting” again?

 

What’s the Best Way to Lift Americans out of Poverty?

Properly understood, free enterprise – as opposed to monopolistic capitalism – is the single best way to lift people from poverty.

More to the manufactured housing point, those who have legitimate access to an affordable home arguably have the best opportunity for wealth creation. That case was launched a couple of months ago on Value Penguin, at the link here.  An even  more robust look is found at the link below.

FEAR, a Solution to the Affordable Housing Crisis, and the Manufactured Home Dilemma

 

Where Left and Right Can Meet

But there are those, most usually on the economic and political left, that make all capitalism and wealth sound evil.  That doesn’t mean that left and right can’t find common ground.

The surprising reality is that left-to-right, a common sense path exists for creating wealth through a proper understanding of basic economics, and a proper application of lending, land and access to manufactured homes.

It must be recalled that many of the wealthiest are at least publicly the most ‘liberal’ or left-leaning “progressives,” who often support Democratic candidates. If they are sincere believers in what they proclaim or not is another question. Millions of Democratic and some independent voters have been led to believe that some of the world’s richest living here in the U.S. favor higher taxes.  Hmmm, those billionaires posture for the left as if they want to tax themselves the more? Really?

Does anyone recall just a few weeks ago the pressure that Amazon’s Jeff Bezos put on the City of Seattle to rescind a head tax on employees?

We are not at all defending plan in Seattle, which was supposed to fund a program aimed at alleviating homelessness.  The point is that Billionaire Bezos’ company blocked it. Other examples could be given for Warren Buffett or other billionaires in the faces shown above, which reflects that they may say one thing, but in fact routinely do another.

That’s not to slam to all billionaires.  It is only to say that for some their behavior doesn’t always match up with what they claim.

 

Who are the Top 1 Percent? Are You in MHVille Among the Top 1 Percent?

In 2015, using 2010 data, Quora said that the “number of US households was 117 million so there were 1,170,000” households that are in the top 1 percent.  $430,600.00 is what that translates to in dollars, per the summary below.

TopIncomeEarnersDailyBusinessNewsMHproNews

So, there are thousands in manufactured housing that qualify for a fact-based definition of the top 1 percent.

When you watch protestors denouncing the top 1 percent, that’s a figure that over a million American households has achieved, and arguably what thousands more could achieve in the manufactured housing profession.

Now, with that backdrop, let’s look at what Quentin Fottrell wrote for MarketWatch, that MSN (Bing, i.e. Microsoft) wants you to spend time reading.

SmokingCigarTop1PercentMarketWatch

The median American household currently holds just $11,700 in savings, according to a new analysis of Federal Reserve and Federal Deposit Insurance Corp. data by personal-finance site Magnify Money. Median balances (the midpoint value) are lower than the average savings rates. The top 1% of households in the U.S. by income have a median savings of $1.1 million across a variety of saving accounts. The bottom 20% by income have no savings accounts and the second lowest 20% income earners have just $26,450 saved,” wrote Fottrell

AverageMedianSavingsofTop1Percent%MarketWatchDailyBusinessNewsMHproNewsThe average savings in retirement, money market deposit, checking and savings and certificate of deposit accounts are skewed by higher earners with more money. The top 1% of households have an average of $2.5 million in accounts, while the bottom 20% of households have an average of $8,870 saved. To put that in context: The average household has $277,670 in retirement accounts and $4,830 in savings accounts, while the median household only has $72,840 in retirement accounts and $32,130 in savings accounts,” said Fottrell.

AverageMedianSavingsLevelsByIncomeDailyBusinessNewsMHProNews

Stagnant wages, student debt, soaring house prices and rising credit-card debt have not helped people save,” per that same MarketWatch column. “Lots of families are living paycheck to paycheck and struggling to save even a little,” said Caroline Ratcliffe, a senior fellow at the Urban Institute, a nonprofit policy group based in Washington, D.C. “Limited savings isn’t only an issue for low-income families. Quite a few middle- and high-income families have no savings cushion to fall back on. One in 5 middle-income families and 1 in 10 high-income families have no retirement savings.”

MedianHouseholdAccountSizeDailyBusinessNewsMHproNews

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Now first, the data here is somewhat contradicted by other data, include the chart we posted above.

You may recall HUD Secretary Ben Carson’s often-repeated statement in 2017 that the average homeowner household had a net worth of some $200,000, while the average renter household only had $5,000 in net worth.

But set the anomalies in the respective data aside.

The question should be — what policies would honestly bring more wealth to more people?

What recent Daily Business News reports revealed is that 50 years of the “War On Poverty” launched by Democratic President Lyndon Baines Johnson (LBJ) has cost the nation some $22 trillion dollars, per Heritage.  That’s roughly equal to all of the national debt.

UCDavisUnitedStatesPovertyRateSince1959to2015DailyBusinessNewsMHProNews_001

Yet, poverty rates – while vacillating – have barely moved from when those programs and others since have been launched. Why does the nation pour billions every year into programs that are proven not to work?

The evidence reveals this. The way to wealth creation for the majority is a combination of regulatory and tax and policy changes that allow more Americans to sustainably buy their own home.

The value of that home should be protected against estate (i.e. death) taxes.  That would boost wealth for the working women and men of America.

Let the workers and middle class buy an affordable home, which existing laws related to manufactured homes – if applied – would make reasonably easy.

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

That can be done in a demonstrably sustainable fashion.

AmericanBankersUrgedToLendMoreonManufacturedHOmesDailyBusinessNewsMHproNews

 Click here or above to see the report.

What left, right and independents ought to be able to agree upon is this. Giving more citizens a path to home ownership, which existing laws could easily be done with manufactured homes, is a sure path for raising the standard of living for tens of millions in the USA.

That’s the ticket that Warren Buffett ought to be promoting, instead of his moat. So why isn’t he doing so?

Regardless of what Mr. Buffett does or doesn’t do, tens of thousands of industry professionals – regardless of political affiliation or the lack thereof – should support:

  • the robust application of enhanced preemption,
  • a reform of the 10/10 rule on FHA Title 1 lending,
  • and should push the GSEs into a true support for manufactured housing, instead of the fig leaf programs they have put in place.

The closing note is this.  The answer in November isn’t to vote for those who support redistribution of the wealth. That’s a proven and failed approach that ballooned the debt.

A combination of trust-busting of:

  • Berkshire-Hathaway,
  • Apple,
  • Microsoft,
  • Alphabet (Google/YouTube, etc.)
  • Amazon, and
  • Facebook

plus a robust application of enhanced preemption and existing lending laws could raise millions of Americans from poverty to prosperity.  That’s how existing laws and free enterprise could be used in an ethical and sustainable manner.

Professionals, owners, and investors, it pays to help your fellow Americans understand the truth about socialism and America’s historic style of free enterprise. To be clear, crony capitalism and free enterprise are not the same thing.

Trust-busting and a level economic playing field are as American as apple pie, and the dream of home ownership.  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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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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