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‘Minorities Aren’t Being Well Served in Housing Finance’ Today, per Mozilo – Former Exec Near Eye of the 2008 Housing/Mortgage Storm

May 15th, 2019 Comments off

 

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Angelo R. Mozilo is the former chairman of the board and chief executive officer of Countrywide Financial until July 1, 2008,” according to Wikipedia.

 

 

Put differently, Mozilo was near the eye of storm during the Housing and mortgage crisis that sent the economy and markets into a tailspin, causing the loss of businesses and millions of jobs. Not that Mozilla was alone in that fiasco, far from it. But his perspective is a noteworthy one.

That said, in his first interview since the 2008 crisis, Mozilo in an interview with Fox Business’ Liz Clayman said that minorities aren’t getting well served, and that barriers to home ownership must be removed.

Before teeing up this interview, given that more than a decade after the housing and financial system meltdown has passed, some facts are reviewed. This classic video 3:12 video report is useful in that regard.

 

 

Economist Thomas Sowell also weighed in on the matter years ago.  While holding Frank more responsible, he found President Bush and Alan Greenspan had responsibility in the matter too.  Rephrased, his perspective was similar to what’s portrayed by the Fox News video report, above.

 

 

Former Representative Barney Frank himself, in hindsight, admitted that he didn’t see the financial crisis coming.

Then keep in mind that Warren Buffett led Berkshire Hathaway dumped shares of the GSEs of Fannie Mae and Freddie Mac. In 1988, Buffett was touting those stocks in Fortune Magazine.  In the quote that follows the quoted text from GuruFocus is turned bold and brown, as MHProNews often does, but we’ve changed the direct quote from Buffett in blue, so that it pops.

By 2000, Buffett was the largest shareholder of Freddie Mac, whose stock had soared to between $41 and $64 per share, for a sizable gain.” But per GuruFocus,His view on it changed, though, and he unloaded nearly all of his Freddie Mac and Fannie Mae shares that year, according to his testimony to the U.S. Financial Crisis Inquiry Commission in May 2010. When Brad Bondi, deputy general counselor of the commission, asked if he sold because the stocks were no longer good investments, Buffett responded that hedidn’t know they weren’t going to be good investments but becameconcernedabout their management.”

 

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What was accomplished previously in sustainable shipment levels, can clearly be done again. Data above per Skyline-Champion investor relations information. SKY is a MHI member company.

 

The Manufactured Housing Connection to the Mortgage Crisis?

In the mid to late 1990s, manufactured housing soared to its highest sales levels since the establishment of the HUD Code which federally regulated the construction, safety, and energy standards for manufactured homes via performance based vs. prescriptive standards.

Some pundits in manufactured housing say that poor underwriting and flimsy verifications by lenders fueled the surge in manufactured home sales. While lending absolutely played a role, objectively, one must also bear in mind that hundreds of thousands of consumers were keen to own the manufactured homes they bought. Buyers were willing to ‘sign on the dotted line’ for a HUD Code manufactured home on terms of often 20 to 30 years.

Bad lending practices in MHVille in those days can’t be used to cloud the fact that buyers were purchasing manufactured homes at a clip that caused Harvard’s Eric Belsky with the Joint Center on Housing Studies to opine that by 2010, he expected manufactured housing to surpass site building.

Belsky said that knowing about the problems with rising defaults in manufactured home (MH) lending.

 

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The Eric Belsky search result remains the same on the MHI website, on 5.15.2019 at about 1:38 PM ET.

 

But as to poor MH lending practices, there are some observers who have said that poor manufactured housing lending practices was “the petri dish” – a metaphor for a laboratory experiment – for conventional housing and its subprime lending problems.

 

 

The First New Mozilo Interview

With that background, the video interview with Mozilo will be of greater insight.

Former Countrywide CEO Angelo Mozilo, said that certain housing barriers needed to be removed, in his first interview since the 2008 financial crisis.

I was asked to come to this [SALT] conference and I think turning 80 had a big effect on me. You know, I’m running out of runway. And I thought well now’s the time to speak out and I don’t have any inhibitions anymore,” Mozilo said.

 

 

Housing…”It’s a very important part of the economy, but it’s also a very important part of people’s lives and their children’s lives,” Mozilo said. “And since the crisis, things have clamped down again.”

African-Americans, Hispanics — still very difficult for them to get a home of their own even though they could afford it,” he said. “They can’t get over all the barriers that are in their way because the barriers don’t fit their lifestyle. But those barriers have to be taken down.”

Barriers to qualify for a mortgage, the underwriting requirements, just don’t fit the lives of minorities,” Mozilo explained as he pointed out the housing segment of the economy is missing out as a result. “Fannie Mae had a survey some years ago that clearly pointed out the African-Americans and Hispanics have a higher desire for housing than do whites. Whites considered, you know, that’s their part of living in America you’re entitled to.”

While Mozilo was speaking in general, his points mirrored some comments made by HUD Secretary Carson in his recent speech, linked below.

 

Dr. Ben Carson Secretary of Housing and Urban Development Manufactured Housing Conference Remarks New Orleans, Louisiana, Hyatt Regency Hotel, May 7, 2019

 

Defensively, Mozilo wants people to believe that it was Countrywide’s duty to lower the barriers of entry for everybody in America getting a home, as long as they could afford it.”

Mozilo also believes that he and Countrywide became an “easy target” during the crisis because of their size and also for making these loans, which he alleges only accounted for 3 percent of business.

This is a huge economy — the whole world economy,” Mozilo stated. If you take all the assets of the world and you put a price on it and you value one and you take the amount of subprime mortgages in the United States — it’s a pebble in an ocean — it’s ridiculous.”

People who want to discriminate said, ‘Look, we told you if you don’t make these loans you’re going to have a crisis.’ Nonsense, absolutely nonsense. They had nothing to do with it.”

Some of those arguments could easily be applied to the tiny percentage of the economy that manufactured home loans which defaulted represent during the late 1990s, and early 2000s.  That’s not to white-wash wrong-doing.  But it is to put it into perspective.  As an industry insider told MHProNews, what took place in MHVille was like “a pimple on an elephants ass” – especially when compared to the financial blood bath that conventional housing caused the economy.

So, why is manufactured home lending still being de facto punished, nearly 20 years after MH lending’s meltdown?  Perspective is necessary, and that clarity of understanding can lead to a better America.  Who says?  HUD Secretary Ben Carson, as he advocates for manufactured housing.

So why aren’t Secretary Carson’s comments on the MHI website?

 

HUDSecretaryBenCarsonAffordableHousingSupplyDemandCostSavingsFHFAAppreciationSustainableOwnership5000renters200000OwnersQuotesMHProNews

To see Secretary Carson’s entire address and more related information, click here.

 

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

 

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HUD Code Manufactured Home Production Decline Continues, May Updates

 

 

 

 

 

 

 

FEDs, AGs, Law, Weaponized Gov’t – Business Risk, and Defense

May 29th, 2018 Comments off

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There is in all communications efforts the risk of saying too much, or too little, when seeking to make an important point.

 

In an era when thousands of messages are heard or seen daily by the average American, the risk of tuning out news or issues that seem disquieting is real.

This report may appear to some readers who skim as a partisan column, but the point is non-partisan and far more nuanced.

Specific examples will be used to make broader points that are important for investors, business owners, and all others too.

Before we dive into them, a quote from Sam Zell, Chairman, of Equity Lifestyle Properties (ELS), which helps make the point on one of a blizzard of reasons why this issue of the law and its application matters to every investor and business professional.

SamZellWeFoundWeHadAPartnerRedistributionTrackSpendingHugeAMoungsChallengeConfiscatoryLawsELSChairSamZellManufacturedHomeCommunityIndustryMHProNews

See those quotes and more in two MHProNews exclusives on Zell, linked here, and here.

 

Equal Justice Under Law

Equal Justice Under Law” is a powerful slogan, and a noble ideal.

Justice, like affordable housing, ought to be non-partisan issues.

The words “Equal Justice” are etched in stone on some judicial edifices, plaques, and statues. To be meaningful, they must be etched into minds and hearts.

As an example, the Special Counsel Robert Mueller investigation of so-called Russian collusion with the Trump campaign is now seen by the majority of Americans much as President Donald J. Trump has defined it. Over half of those polled now see the Mueller probe as a partisan witch hunt. After a year and tens of millions spent by the special counsel, that reflects the reality with a majority, even though some 90 percent of big, mainstream media news reports have an anti-Trump bias or slant, per Vox and the Media Research Group. Yet, the president is still winning on that issue. Would that be true without his regular Twitter or video push-backs and counter-punches?

But the point here isn’t the president or Mueller, per se.  Rather, it’s as an example of how governmental power can be weaponized.

There are several people who are being investigated that are being driven to the brink of bankruptcy by federal officials associated with the Mueller investigation. That ought to be a concern to every American. “Michael Thomas Flynn is a retired United States Army Lieutenant General who served in the U.S. Army for 33 years, from 1981 until 2014. In January 2017 he briefly served as National Security Advisor to U.S. President Donald Trump,” says Wikipedia. Flynn is an example of one of those being targeted for something that Democratic Harvard Law professor emeritus Alan Dershowitz says is an investigation into an allegation that isn’t even a crime.

Flynn was charged, even though FBI interrogators said they saw no evidence of deception, and Dershowitz said there is no underlying crime involved.  Nevertheless, Flynn was charged with lying to the FBI.  His legal bills were overwhelming their family.

So, even though there are plenty of grounds for defense, Flynn has plead guilty to lying. Why? Some sources say it is because of the high cost of his legal defense. Others add that it was to protect a Flynn family member that the special counsel’s office was threatening to “squeeze” in a similar fashion.

Those are arguably un-American tactics.

But this could just as easily happen to you, your partner, or a colleague. It can happen unintentionally. It can occur even when there is arguably no citizen who has been harmed.

There was a claim by an author some years ago that there are an estimated one million laws and regulations on the books in the United States, at all levels of government.

ThreeFeloniesADayHarveySilverglateAuthorAmazonManufacturedHousingIndustryDailyBusinessNewsMHProNews

Sam Zell and ELS had the money to fight back. But what about you, and your business?

 

Another author used as a theme in his book the notion that the average American has broken three laws each day. That means, you, family, friends, others could get the retired Lt. General Flynn treatment. You could be charged with an offense and be forced to pay the cost of defending against a potentially unjust charge.

This isn’t just a matter of what a federal or state attorney general’s office can do. The Internal Revenue Service (IRS) allegedly misused their power to target conservative groups, starting around March 2010, per Wikipedia. Lois Lerner has suffered little obvious consequences from that tragic recent chapter in our nation’s history.

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Still from the second video, below.

If you or your business was unjustly targeted by prosecutors, the costs of a good legal defense could drive many into bankruptcy in a period of months.

People in government aren’t automatically angels. It’s a fallacy of those who believe in big government, with big bureaucracies.

The Fredric Bastiat video on this page teaches principles that are similar to those of America’s founders. Like American’s founders, Bastiat believed in limited government that gave maximum liberty to people, which in turn protected private property rights. Bastiat felt that law should routinely negate government power, as a check against an abuse of power.

 

We, the People

The founding founders created a system of checks and balances, precisely as a counter to government overreach.

But research indicates that in the U.S., most don’t know the Constitution, much less their constitutional rights. For example, the Annenberg Public Policy survey in Sept 2017 found that ”Nearly half of those surveyed (48 percent) say that freedom of speech is a right guaranteed by the First Amendment. But, unprompted, 37 percent could not name any First Amendment rights.”

Millions have little or no understanding of the historic reasons why the principle of constitutionally limited government matters.  That’s a recipe for an abuse of power by people in government.

The ultimate check on an abuse of government power is the citizen jury system.

A single informed juror can keep an unjust law, or a law that is being unjustly applied, from being enforced. They can do so by voting, “not guilty.”

Education, motivation, and a keen sense of curiosity for objective truth are useful in business. Those skills are also useful in society.

The power to tax, and the power to regulate, are the power to destroy.

Weaponized education, agenda journalism, and government overreach are among the reasons for voting for those who support limited government that operates within constitutional boundaries.

The entire notion of constitutional government is that it limits government power.  Legitimate government gets its power from the “consent of the governed.” But more than that, legitimate government protects life, liberty, and private property.

 

The 5Ws and the 1 H

Who. What. When. Where. Why. How.” They are the basic questions that must be answered by objective journalism. They are the basics of police investigations, and the core of all research. By all research, that means research by investors too.

That means they 5Ws and 1 H are – or should be – at the core of informed professional and investor question when probing any issue.

In an era where there seems to be clear examples of “Weaponized Justice,” everyone ought to be alarmed. Again, this isn’t a partisan issue.

There is a need to be informed, but a challenge of getting authentic information. That’s why analytical thinking is so important.

Take the time to understand. Encourage others to be informed.

Vote wisely for those who want to roll back bloated government, which can become weaponized.

Understand the Constitution and it’s principles.

 

Vote at the ballot box, and vote in the jury box. Every vote is important, but your vote as a juror may be one of the most powerful rights any citizen possess.

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The well-informed citizen juror is a great check on potential abuse of power by simply being able to vote, “not guilty.” Someday, you or someone you know could be targeted by government overreach. Applied knowledge is an important tool to stop such abuse. ## (News, analysis, and expert commentary.)

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The headline below is not to imply that only Democrats embrace such anti-property-rights notions.  Attention to the details are necessary in every campaign you, and your circle of influence can vote in.

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Ben Shapiro Nails It on Taxes, Regulations, and Affordable Housing – Under 2 Minute Video Must View for MH Industry Pros

May 16th, 2018 Comments off

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Ben Shapiro is a renowned conservative political pundit, syndicated columnist, lawyer, and NYT bestselling author. He is Editor-in-Chief of news and opinion site The Daily Wire and host of the popular video podcast, The Ben Shapiro Show,” says his YouTube page.

 

Fox News has called Shapiro “a leading millennial conservative.”

In the under-two minute video clip below, Shapiro joined Fox & Friends to discuss the new “head tax” in Seattle.  In it, he rapidly lays out the case that should have affordable housing advocates – including manufactured home professionals – on the edge of their seats, with note pad in hand.

Shapiro says that high demand, and over-regulations on developing are part of what’s fueling soaring housing costs.

A profile video on the fast-talking attorney is below.  Shapiro’s approximately 100 million page views a month Daily Wire is roughly 30 times more than what Webalizer says industry-leading MHProNews traffic is. He clearly must have something to say that people want to read and hear.

While the evidence-and-logic focused attorney doesn’t mention any specific kind of housing in the first video, common-sense suggests that the modern manufactured homes that HUD Secretary Ben Carson called “amazing” in recent Senate testimony are an important part of the solution to the affordable housing crisis.  You don’t have to be a brain surgeon to realize that almost everything we use comes from a production center.

The logic of factory-based home building is proven, and necessary.

Affordable housing is a non-partisan issue, as Danny Ghorbani – an engineer and the retired founding president of the Manufactured Housing Association for Regulatory Reform (MHARR) – has often said.

With this more business-friendly regulatory environment under the Trump Administration, the time is now to promote a better understanding of the factors that fuel economic growth.

Lower taxes, less and more common-sense regulations, are spurring the economy.

The Treasury took in a record amount of taxes last month, even though there’s been a big tax cut.  The formula that the Daily Business News has noted worked for Democratic President John F. Kennedy and Republican President Ronald Reagan, is also working for pragmatic President Donald J. Trump.

If the industry can cut through the D.C. noise, and get HUD and FHFA to enforce existing laws, the result will be a revival of manufactured housing (see related reports, below).  Thus private enterprise – in the form of routinely unsubsidized manufactured homes, as Secretary Carson said – can be an important part of the solution to the affordable housing crisis.

On a closing note regarding Shapiro.

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Note that “progressive” (read, Democratic) Jeff Bezos led Amazon, and equally progressive led Starbucks are among those hollering the loudest about the new Seattle head-tax.  Doesn’t Amazon’s threat to not build there make the point that higher taxes harm an economy?

Issues of taxation and regulation, as MHProNews has said for years, can be summed up like this.  The power to tax or regulate is the power to destroy. Manufactured home industry professionals, investors and advocates need to see the reality of that logic.  It is up to professionals to point to events both past and present that prove that to be so. We must personally take those proven principles, and make that case with your circle of influence, in the marketplace, and at the ballot box. ## (News, profile, analysis, and commentary.)

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Manufactured Housing and the Midterms, what did Democratic and GOP Primaries Signal?

May 9th, 2018 Comments off

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With what the Media Research Center says has been some 90 percent negative mainstream broadcast news media coverage, President Donald J. Trump is holding or rising in many polls, to at or near the highest point since taking the White House.

While the media has said for months that a “blue wave” is coming in Congress for November – which historically would be common for a president – there are certainly signs in polling and yesterdays turnout that suggest that at this time, the momentum is still with the president and his party.

Manufactured housing professionals aren’t a monolithic group. There are Democrats, Republicans, Libertarians, minor party and independents in the ranks of the industry, as in all other professions.

That noted, the industry has to consider questions like these:

  • Has the regulatory environment improved in the last 16 months?
  • Has job creation improved – which is an indicator of potential future housing demand?
  • Has the investment environment improved in the last 16 months?

The evidence points to yes in each of the above, and most Americans also got a tax cut too.

Famous manufactured home community insulter, and President Bill Clinton adviser, James Carville, quipped one of the most powerful insights in American politics.  “It’s the economy, stupid.”

Blue wave?  With fund raising still favoring the GOP in most areas by healthy margins, and the economy improving, there is more than just yesterday’s turnout and voting to suggest that the November midterms are up for grabs.  In fact, the momentum looks to be at this time in favor of the president and his party. We Provide, You Decide.” ©  ## (News, analysis, and commentary.)

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MIA from Fannie Mae’s Latest Housing Survey, MHI Producer Sounds Off

Style or Substance? Lesson from Most Hated in America – Monday Morning Manufactured Home Sales, Marketing Meeting

 

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“The President Did Exceedingly Well” – Trump Fitness Report, Blows Up Anti-Trump Narrative, MH Impact

January 16th, 2018 Comments off

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One problem with a partisan, agenda-driven bias of any kind is that they can finally run into reality checks that refute the alleged claims and concerns.

 

For months, certain figures in politics and the media have beaten-the-drum that the president should be removed from office under the 25th Amendment as supposedly being unfit for duty.

 

 

The medical exams reported in the two videos –  above, from left-of-center CNBC, the below from right of center Fox News – ought to end those claims.  The president is in “excellent health,” could stand to lose some weight, but he did “exceedingly well” in his cognitive evaluations.

 

But what ought to happen, and what does isn’t always what occurs in Washington, D.C.

The media, per Newsbusters went some 90 percent anti-Trump in their coverage during 2017.  Other media analysis sources came up with similar statistical results of media bias during the year.

While there are a variety of reports and indicators that the industry could be doing far better than it is, the reasons for its lagging aren’t due to an anti-business agenda from the Trump Administration.

In fact, per reports from a variety of sources, it was a Trump Administration official that made the decision to finally remove Pam Danner from her largely unpopular term in the oversight role at the manufactured housing program at HUD.

Shake Up at HUD Manufactured Housing Program May Stop Industry Overregulation, per MH State Association

There are several positive indictors as well pro-growth steps that have come as a direct result of President Trump’s policies.  A report in the morning will highlight what an MHI member manufactured home producer sees as the outlook, as a result of pro-growth policies promoted by the White House.

 

 

The Manufactured Housing Association for Regulatory Reform (MHARR) has consistently heaped praise on the Trump Administration for its pro-business, and regulatory roll back promises, and now, actions.

 

Manufactured Housing Institute (MHI) Gives Written Responses – “Part of a Rigged, Corrupt System”

By contrast, sources say that the Manufactured Housing Institute (MHI) – while claiming to be for regulatory rollback, and pro-administration, has had to back-peddle and do u-turns on several issues, see the link above for examples. ## (News, analysis, commentary.)

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“What the Hell?” “The Audacity of Hope” – Obama, Trump, Presidential Promises Kept, & MH

January 5th, 2018 Comments off

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Facts can be nettlesome.

Stating the obvious, successful businesses rely on facts.

Most businesses do better when there is economic, legal, and regulatory clarity. For investors and business professionals, certainty – dependability – matters.

Just as the power to tax is the power to destroy, so too regulatory burdens can be a barrier: 

  • for entering business, or
  • for staying in business.

As thousands of businesses in our industry and others painfully learned, destruction is just as real from tough regulations as they are from burdensome taxes.  High taxes are known to drive business from a high tax state to lower one.  High regulations do the same thing. They tend to drive business and investments from higher regulatory states to a lower ones with fewer regulations.

The certainty of that destruction is also what causes business and capital to move from a high tax and regulation nation to other nations where taxes and regulations are lower.

Presidents Obama and Trump have a unique claim they could both make. Each president has their own kind of promise keeping.

Each of their promises have impacted our branch of the housing industry, for good or ill. Those promises did the same for America…

For those who understand nettlesome facts about policies and economics, what would happen under Presidents Obama and Trump were/are entirely predictable.

“More Dangerous…Decisions” – Unlocking the Industry Professional’s Potential Power in 2018

Set aside style. Set aside emotions. Focus on the proven principles.

Business relies on hard facts, not feelings. Business in our factory built home industry – or any other industry- rely on a dependable tax, investment, and regulatory environment.

The President of the United States (POTUS) Barack Hussein Obama promised to fundamentally transform America. He kept that promise. He spoke and wrote about the “audacity of hope.” But the nettlesome facts are that Mr. Obama did so by contradicting numbers of claims he made while campaigning. 

POTUSBarackHusseinObamaQuotesManufacturedHousingIndustryDailyBusinessNewsMHProNews

Words can inspire, but they also matter as to what the words in fact mean in practice.

Now POTUS Donald John Trump made promises too. One of those campaign promises he made was specifically to minorities. “What the hell do you have to lose anyway?”- Trump asked in stump speeches on the campaign trail in 2016. After decades of what opponents of left-wing politics said was making life demonstrably worse for blacks and Hispanics in America, Trump asked for a chance, and promised to deliver for minorities and all Americans.

The small numbers of blacks and hispanics that combined with white working class “blue collar” workers is what tilted dozens of blue counties, into red ones for Mr. Trump. That’s what delivered Wisconsin, Pennsylvania and Michigan from blue to red, and won him the election in 2016. 

 POTUSDonaldJTrumpWikiDailyBuisnessNewsManufacturedHousingIndustryMHProNews600

Principle-based reality matters more than rhetoric.

“Leaders Grasp Nettles” – Health, Professional, and Home Seekers Wisdom

But one more fundamental difference is that Mr. Trump was candid about who he was, and what he wanted to do.

Mr. Trump never claimed to be a saint. Voters knew what they were getting. Mr. Obama arguably was honest on some things during his campaigns, but not so on others. Who said? Gruber and others, from Mr. Obama’s own team.

Benson Demonstrates How “Propaganda Works” on “Most Americans”

You or people you know might love Mr. Obama’s speeches. Millions do, because he’s good at giving them.  The below is the “speech that made Obama President.”

But policies are what drive markets, capital, and business. POTUS Obama spoke well, but so does businessman turned president, Donald J. Trump.

 

It’s another nettlesome fact that Dr. Martin Luther King Jr. was a Republican. He wasn’t for socialism, King was for equality of opportunity, not for ‘redistribution of the wealth,’ that Mr. Obama promised. His policies undermined confidence in investments, business, and thus job creation.  By accident and/or design, the policies failed to deliver prosperity for all but the top 1 percent.

 DrKingIHaveADreamJudgedNotBySkinButByContentofCharacterQuoteDailyBusinessNewsMHProNews

Night and Day. Black and White, But Not Color

It’s not about the identity politics of racial divides, which candidate Obama promised to heal, but which he arguably made worse. Survey after survey showed that race relations worsened under the eight years of Mr. Obama’s tenure in the White House.

 PresidentObamaEconomyDailyBuisnessNewsMHProNews

Rather, it is about the politics of prosperity which traditional American faith and the principles of the free enterprise freedom and that limited government yields.

The first candidate that this writer contributed to happened to be a black man.  But he wasn’t Barack Obama, who this writer consistently opposed for reasons of policy (it was Alan Keyes, who served under POTUS Ronald Reagan, because Keyes believed among other things in limited government, in regulatory reform, plus ending waste, fraud, and abuse in government).

Mr. Obama’s rhetoric made him famous and popular.

The “audacity of hope” plus “hope and change” were good slogans, but the policies he practiced yielded to despair. Why? Because that is what socialist principles give way to in the end. Look at Cuba, Venezuela, or Red China before they switched to a more market based (but still communist centralized) economy.

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

Words matter, but proven principles and policies matter more.

Those in whatever walk of life that supported Mr. Obama for reasons of style learned the hard way that his policies were bad for business.

In ironic twists, the nation’s first black president made economic life for blacks and hispanics in America worse. 

Spreading the wealth around” through redistribution via socialistic principles was a guaranteed recipe for economic train wrecks.  Unfettered immigration, due to the law of supply and demand – depresses the wages of the working class of all colors.  But the reverse is true too.  Control immigration, create incentives for business to invest in America, and you’ll watch more jobs get created and more businesses succeed, which creates over time still more jobs – and at higher wages.

So Mr. Obama’s policies doubled the national debt. They harmed businesses, jobs, and workers. Yet Mr. Obama claimed on the campaign trail that Mr. Bush 43’s raising national debt so high was unpatriotic and unAmerican. Mr. Obama was right to call out that Bush error. But the nettlesome facts are that POTUS Obama clearly made deficits and debts far worse.

That too matters for business and investments. Because capital sucked up to support the debt ought to be going to create more business, and thus more and better jobs.

NFIB’s Juanita Duggan Cheers, Leads, Explains Why on Tax Reform for American Businesses

Businesses failed under the Obama years in record numbers.

“I’m tired…” – Terry Decio, Skyline Homes, on Manufactured Housing

That’s not an accident, it’s because high taxes and high regulations yields destruction of business and opportunities.

Ken Corbin “the 10,000 Drop,” points to Industry Woe, Causes of Manufactured Housing’s 10 & 20 Year Collapse?

Of course capital, investments, and thus jobs fled overseas.

Of course reversing those poor policies would bring business and jobs back, and “make America great again.”

It’s common economic and policy sense applied. It’s substance over style. 

POTUS Trump’s policies are pro-all-business, while POTUS Obama’s were for arguably more favorable towards big business, and often those crony capitalist donors.

Dow Tops 25k! Jobs, Oil and Manufactured Housing, Plus MH Market Update$

Mr. Obama was honest about some things.

But if Jonathan Gruber, the architect of ObamaCare was right, the Obama Administration was dishonest about other matters.

They lied to Americans to get what they wanted on health care and Dodd-Frank.  What Mr. Obama and other disciples of Saul Alinsky wanted was to fundamentally reshape America.

Toxic Combination of Big Business in Bed with Big Government, Rules for Radicals, Generation Zero

Mr. Trump and Vice President Mike Pence promised to be in the promise keeping business. They got off to a rocky start, but they are delivering.

VP Elect Pence Vows Promises Will Be Kept, Jobs, ObamaCare and Regs in Video

The economy is roaring back. 

Presidents like Obama and Clinton often spoke pretty words, but they didn’t always mean what they said.  History matters, proven principles over empty promises matter.

Was Bill Clinton Just Wrong, or Did He Lie? MH Impact – Facts, Analysis

Trump the Builder, and Businessman, Mr. Warren Buffett and Hillary Clinton

One this twelfth day of the Christmas season, it is good to reflect on just what has happened to this industry, and why it has happened.

Ladies – Love, Lunacy, Leadership, and those “Laddies”

Mr Buffett supported both Barack Obama and Secretary Hillary Clinton. He said he did so for policy reasons. That’s significant. Take that seriously.

 

WarrenBuffettBarackObamaWikipediaMotherJonesDailyBusinessNewsMHProNews

It is no secret that MHProNews did not support the re-election of President Barack Obama in the 2012 election cycle. As the cite from left-of-center media outlet, Mother Jones noted at the time, Buffett was a strong supporter of Obama. Obama in turn was a strong support of Dodd-Frank, and not changing the CFPB. See related, linked below. http://www.mhpronews.com/blogs/daily-business-news/manufactured-housing-institute-vp-revealed-important-truths-on-mhis-lobbying-agenda/

HillaryClintonWarrenBuffettCreditBostonGlobePostedManufacturedHousingIndustryResearchDataReportsDailyBusinessNewsMHProNews-com-

Hillary Clinton, left, Warren Buffett, right. Credit – Boston Globe.  Buffett said he supported Clinton’s policies, and Obama’s too.  Why not take that literally?  Why not see what that meant for manufactured housing in practice, and for the nation as a whole too?

Because based upon his policies, what Mr. Obama gave us as president was Dodd-Frank and ObamaCare. POTUS Obama led Democrats left, and created a tax and regulatory environment that killed thousands of smaller business.  That killed jobs, raised welfare payments, etc.

But those same Obama policies favored big business.

It’s black and white.

It’s about the math of tax and regulations, not race or style. 

ELS’ Sam Zell – Compliance Costs Destroys Smaller Businesses = Consolidation

There are some taxes, some regulations that are needed. How much is debatable, but generally, less is better. So Mr. Obama – and Ms. Clinton, had she been elected – put in place – and she would have kept in place – the big regulatory state and high taxes.

Warren Buffett, “the Moat,” Manufactured Housing, Berkshire Hathaway, Clayton Homes, 21st Mortgage, Vanderbilt, Wells Fargo, NAI…

That favored Mr. Buffett’s Big Business Brands. That includes manufactured housing.

Manufactured Housing Institute VP Revealed Important Truths on MHI’s Lobbying, Agenda

So, Mr. Buffett, as a student of history, and economic principles, could generally predict what would happen under both Obama or Clinton. It perfectly suited Mr. Buffett’s “moat” principle.

Duty To Serve, “Complete Waste of Time” per Tim Williams, CEO/21st Mortgage; POTUS Trump, Warren Buffett Insight$

The Berkshire Hathaway dominated Manufactured Housing Institute (MHI) invited not one, but two paid Clinton speakers to be on their stage in Chicago to address their members. The Daily Business News reported that several ties. MHI has never denied the claim.

Manufactured Housing Institute (MHI) Shifts on DOE Regulatory Rule, Report, Analysis

Facts are nettlesome things. People often buy into style over substance. That can prove costly.

NAHB Report – High Cost of Regulations Impact Housing – and Manufactured Housing

Follow the money. Pay more attention to what people do, not what they say. Principles and policies matter.

 

FollowTheMoneyPayMoreAttentionToWhatPeopleDoThanWhatTheySayMartyLavin6MillionYachtManufacturedHousingIndustryDailyBusinessNews600

Lavin is an MHI award winner, and a success story in communities, retail and finance.

So long as his health and safety hold up, and his party stays united enough on his plans, of course America will be greater again under POTUS Trump.

IWillLowerTaxesEliminateUnnecesaryRegulationUnleashAmercianEnergyPlacingAMericanBusienssandWorkersFirst-DOnalTrumpNationViewsMHProNews

President Trump and VP Mike Pence have both said they will be in the promise keeping business. So far, so good.  History, and proven, pragmatic principles, matter.

In hindsight, there will likely be discovered a series of scandals from the Clintons and Obama Administration years that will be unlike anything America has ever seen.  Informed sources say the higher levels of the FBI and DOJ were politicized. They claim the deep state is real.

“Hacks” – Explosive 2016 Campaign Claims by Former DNC Chair, Donna Brazile

The so-called ‘Russia collusion’ narrative could easily flip into a Democratic scandal, akin to the one where Secretary Clinton allegedly rigged the primary against Bernie Sanders, per Democratic party leader, Donna Brazile.

Newspaper Names Clayton Homes, Clinton Foundation, Hillary Clinton In “Swamp After Storm” Post-Disaster “Corruption”

Clayton Homes, said the Toledo Blade and others, profited from the Clinton connections in the Obama Administration.

Clayton will benefit from FEMA, while others in manufactured housing will suffer.

MH Lending, FEMA and False Profits (and False Prophets)

Monopolistic practices are bad for America, in principle. Heavy regulations, heavy taxes and crony capitalism are all bad for our HUD Code manufactured home business in principle.

Lawsuits for Triple Damages – Anti-Trust, Anti-Monopoly Law, Manufactured Housing, and You

These are not matters of color or style. These are nettlesome facts. Tax, and regulatory tend to policies create or destroy investments, businesses and thus jobs. Mr. Trump, the entertainer, builder, and business man gets that.

Killing Off 100s of Independent Manufactured Home Retailers, Production Companies – Tim Williams/21st Mortgage “Smoking Gun” Document 2

FactChecksComparisonsTrailerParkMillionairesMHILaunch#ForeverHomeStoryCampaignMartyLavinJDDailyBusinessNewsMHProNews

Mr. Buffett, supported the moat candidates. Buffett’s brands have been accused of taking control over MHI, which does their bidding.  Independent businesses have been forced out, or killed off by heavy regulations.  Doesn’t that fit with the goals of Mr. Buffett’s moat principle to the tee?

MHARR vs. MHI on DOE Energy Rule, Pushback Pay$ Off?

By contrast, for years, MHARR has opposed business and job killing regulations.

“Perverse”–Warren Buffett-Dodd-Frank, CFPB, Manufactured Housing, Loans, Independent Businesses Fact Check$

The rest are details and commentary, because facts are nettlesome things. ## (News, review, fact checks, analysis, and commentary.) 

(Image credits are as shown, and when from third parties, are provided under fair use guidelines.)

NOTICES and Author’s credits…

TwitterFacebookLinkedInNew Year’s Resolution: On this 12th day of Christmas, a request.

This writer already has one of the largest LinkedIn followings in the manufactured home industry. But we’ve frankly not asked for Twitter, or Facebook followers. That changes, starting today. If you want to keep up with posts relevant to the industry, you can connect via the links below.

https://www.linkedin.com/in/latonykovach/

https://twitter.com/LATonyKovach @LATonyKovach
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We agree with Warren Buffett on the value of the lessons of history, reading and research. Without those deep insights, the wool can be pulled over other people’s eyes. We disagree with Mr. Buffett on his political positions, which have proven harmful to America and our industry.

By L. A. “Tony” Kovach.

Kovach is the award-winning managing-member of LifeStyle Factory Homes, LLC,
parent to MHProNews, and MHLivingNews.com.
Both are #1 in their categories.

Kovach is one of the most endorsed and recommended MH industry professionals in all of manufactured housing.

Pros and Cons of Licensing, How Government Regulations Can Harm Job Creation

May 25th, 2017 Comments off
ProsandConsofLicensingHowGovernmentRegulationsCanHarmJobCreationcreditYouTube-postedtothedailybusinessnewsmhpronewsmhlivingnews

Does over regulation create a caption may I environment? Credit: YouTube.

In the U.S., a number of professions and businesses are regulated to varying degrees. While some are obviously necessary, others present questions – and responses – from individuals and businesses alike, who wonder if having to play the game of “captain may I?” is meant to help or hurt them.

Research from the Brookings Institute takes a look at the logic, and the lack of it in some instances, as it relates to licensing.

It is important to realize that occupational licenses are not mere state-sponsored certificates to signal that workers have completed some level of training; occupational licensing laws forbid people from practicing in their occupation without meeting state requirements,” the Institute said in a report.

If the rationale for licensing an electrician is to protect public safety, it is difficult to see what rationale supports licensing travel guides. Yet, twenty-one states require a license for travel guides. Among these, Nevada has created the highest hurdle: a person hoping to be a travel guide in that state must put in 733 days of training and shell out $1,500 for the license.”

ProsandConsofLicensingHowGovernmentRegulationsCanHarmJobCreationcreditBROOKINGS1-postedtothedailybusinessnewsmhpronewsmhlivingnews

Credit: Brookings Institute.

Then, there’s the other side.

There can be an obvious disconnect between the strictness of licensing regulations and the potential harm to consumer safety. For example, Michigan requires 1,460 days of education and training to become an athletic trainer, but just 26 to be an emergency medical technician (EMT). In fact, across all states, interior designers, barbers, cosmetologists, and manicurists all face greater average licensing requirements than do EMTs,” said the institute.

According to the Washington Times, special-interest groups often promote state licensing to benefit themselves at the expense of entrepreneurs, small-business owners and consumers.

And, it seems that this problem has exploded.

The percentage of U.S. workers who need government permission to practice their occupation has grown from 5 percent in the 1950s to nearly 30 percent today. Studies suggest this has caused 2.8 million fewer jobs in our economy and more than $200 billion in additional annual costs for consumers.

ProsandConsofLicensingHowGovernmentRegulationsCanHarmJobCreationcreditBROOKINGS2-postedtothedailybusinessnewsmhpronewsmhlivingnews

The Brookings Institute study shows a state-by-state breakdown of licensing and implementation. Credit: Brookings Institute.

The Times points to an instance in Oregon, where licensing requirements can be enforced in ways that are unjust, and in the case of a licensing board just downright bizarre.

Recently, an Oregon resident spoke out publicly about the timing of the traffic lights in his city after his wife received a red light camera ticket. Based on calculations he had performed, he argued that the yellow light was too short.

For his trouble, he reportedly earned a $500 ticket from the state board of engineers for “the unlicensed practice of engineering.”

 

A Look from the Manufactured Housing Industry

Dodd_Frank___bloombergbusinessweek___credit postedDailyBusinessNewsMHProNews

Credit: Bloomberg.

As Daily Business News readers are already aware, job creation and economic growth are regularly noted in quarterly reports as a factor in manufactured housing sales. The adverse effects of regulation were pointed out in 2015, when award-winning writer Jan Hollingsworth recounted the story of the older gentleman, likely a farmer, in bib overalls who visited a manufactured home dealership in Kentucky.

After two hours of perusing the possibilities of different homes, he chose one. But when he asked the salesman for help in filling out the finance application, he was told federal regulations prevent manufactured home retailers from assisting customers. The man left, unhappy, and later found a salesman elsewhere who was willing to break the rules to provide the old farmer with what may be the house of his dreams.

The story highlights the incongruities written into the Dodd-Frank Act, and enforced by the Consumer Financial Protection Bureau (CFPB).

He wasn’t asking the salesman to do anything that a real estate agent doesn’t do every day. It just makes no sense at all,” said Barry Noffsinger, a regional manager for CU Factory Built Lending, one of the nation’s leading MH lenders.

BarryNoffsingerCreditMHProNews-

Barry Noffsinger, photo credit, MHProNews.

With compliance costs quadrupling in recent years for MH lenders, as Don Glisson, Jr., CEO of Triad Financial Services says, many small banks, credit unions and other MH lenders have shuttered their MH lending operations, leaving prospective buyers to rely on high interest loans, or else continue renting. ##

 

 

(Image credits are as shown above, and when provided by third parties, are shared under fair use guidelines.)

 

rcwilliams-writer75x75manufacturedhousingindustrymhpronews

RC Williams, MHProNews.

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

 

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Residents Concerned about MHC Regulations

February 20th, 2017 Comments off
utilityshutdowncouldleadtomhcommunitybeingcondemnedcredittrulia-postedtothedailybusinessnewsmhpronewsmhlivingnews

A Renton, Washington manufactured home community. Credit: King County Housing Authority.

At a recent Ronda, North Carolina Board of Commissioners meeting, guest speakers had a lot to say, dominating the entire first half hour.

According to the Elkin Tribune, the issues were around Ronda’s Mobile Home Resolution and Shady Hill Mobile Home Park. David Yelverton and Shannon Neal, potential purchasers of Shady Hill, presented their concerns about the resolution including the five-year age limit on homes allowed to be located in there.

Mike Finney, owner of Zwin Street Village, who agreed that the age of homes allowed should be extended, supported them.

Finney presented the board with practical concerns of manufactured home community ownership and the benefits around altering the town resolution would be.

I bought the trailer park [sic] because it was a nuisance,” said Finney.

The way the ordinance is set up it’s not profitable. The retail price is not going to be practical. By the time I got [Zwin Street Village] paid off, I would be in the ground.

Tommy Sales, owner of property in several local municipalities including nearby Elkin, said that he’s concerned with the resolution because he is interested in setting up manufactured homes on property in Ronda that he intends to purchase.

The five-year limit deters me from buying,” said Sales.

You can remodel an older trailer [sic] and make it look brand new.”

ResidentsConcernedaboutMHCRegulationscreditElkinTribune-postedtothedailybusinessnewsmhpronewsmhlivingnews

The Ronda Board of Commissioners meets to discuss the mobile home resolution. Credit: Elkin Tribune.

Other residents posed concerns about the quality of homes that may fall within the current five-year range and exactly what constitutes a manufactured home community.

They may be within the five-year range, but cosmetically could look pretty darn rough,” said Fay Pardue.

How many homes constitute a community?” said Randy Combs.

And why any of the rules would be different. What’s fair for one is fair for all.

Finney made the case for technology being involved in the decision process.

The thing about used single wides [sic], if they are nice and reasonably priced they don’t stay on the market for very long,” said Finney.

Electronic pictures are the only way to go. If they don’t provide the sufficient photographs to make determination, text or email them back.

ResidentsConcernedaboutMHCRegulationscreditSperlingsBestPlaces-postedtothedailybusinessnewsmhpronewsmhlivingnews

Credit: Sperling’s Best Places.

I think we can do a bit better for our trailer park [sic] owners. We know that our resolution is too restrictive,” said Mayor Victor Varela.

What I’m suggesting is we modify the ordinance to go back to 1990. No older than 25 years.

Varela then mentioned that more time was needed.

We will be loosening this up, I don’t know to what extent. It’s been a big learning experience,” said Varela.

The consensus is that we’re going to table this until next month.”

As Daily Business News readers are aware, a number of communities around the U.S. are either reviewing or making changes to manufactured home community ordinances, including the case in Arcata, California related to rent control. That story is linked here. ##

 

(Image credits are as shown above.)

 

rcwilliams-writer75x75manufacturedhousingindustrymhpronews

RC Williams, for Daily Business News, MHProNews.

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

Recent Victories, More Hard Work to Do: NFIB’s Duggan Speaks

February 3rd, 2017 Comments off
RecentVictoriesMoreHardWorktoDoNFIBsDugganSpeakscreditNIFB-postedtothedailybusinessnewsmhpronewsmhlivingnews

Credit: NFIB.

National Federation of Independent Business (NFIB) President and CEO Juanita Duggan and small business leaders from across the U.S. met with President Trump this week, to explain why small business owners have such a big stake in Supreme Court justice nominee, Neil Gorsuch.

 

The NFIB tells MHProNews that its members understand first-hand the difference that one justice can make, as they were the lead plaintiff in NFIB v. Sebelius, the landmark case against Obamacare.

The controversial law was upheld by a single vote.

In reviewing Gorsuch’s record, the NFIB says the organization found him to be consistently tough on regulatory agencies seeking to expand their authority by rewriting the law. In a very influential decision, Judge Gorsuch challenged the Chevron Doctrine, which gives deference to regulatory agencies to interpret laws in ways that expand their power.

SmallBusinessOptimismIndexHighestin37YearscreditNFIB2-postedtothedailybusinessnewsmhpronewsmhlivingnews

Juanita Duggan. Credit: NFIB.

Earlier this week, President Trump signed an executive order requiring federal agencies to eliminate two regulations for every new one approved,” wrote Duggan in a letter to members.

His actions to reign in excessive regulation is good news for the small business community. Small and independent businesses have been crushed by the aggressive regulations of the past eight years. According to the 2016 NFIB Small Business Problems and Priorities report, overregulation is now the second most important problem for small business owners.

Duggan also addressed President Trump’s executive order to revive the Keystone XL Pipeline, and, of great importance to small businesses, tax reform.

We are very active on tax reform, one of our key priorities for 2017. President Trump and Congressional leadership agree that taxes are far too high for both pass-through businesses and C corporations. The tax code strongly favors large corporations. NFIB believes that no small business should be paying a higher tax rate than Exxon Mobil,” said Duggan.

I have made it clear to Congress and the President’s team that tax reform starts with small business. Small business employs 58 million Americans and creates more than half of all jobs. If the purpose of tax reform is to grow the economy and create jobs, then it must focus on small business.

SmallBusinessOptimismSoarsPostElectionNFIB-postedManufacturedHousingIndustryDailyBusinessNewsMHProNews

Credit, NFIB.

Duggan and the NFIB have been vocal and active leading up to, and after the election of President Trump, including a report last month about small business optimism being at it’s highest rate in 37 years.

We haven’t seen numbers like this in a long time,” said Duggan. “Small business is ready for a breakout, and that can only mean very good things for the U.S. economy. Business owners are feeling better about taking risks and making investments.

That report is linked here. For more from the NIFB on small business, click here. ##

(Image credits are as shown above.)

rcwilliams-writer75x75manufacturedhousingindustrymhpronews

RC Williams, for Daily Business News, MHProNews.

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

MHARR Calls for Congressional Review, Rejection of DOE Rule

January 10th, 2017 Comments off
MHARRCallforCongressionalReviewandRejectionofDOERulecreditWikipediaMHARR-postedtothedailybusinessnewsmhpronewsmhlivingnews

Credit: MHARR, Wikipedia.

Washington, D.C – The Manufactured Housing Association for Regulatory Reform (MHARR), tells MHProNews that it has now formally called on Congress to review and reject the panned final regulation adopted by DOE under the Congressional Review Act (CRA).

In a January 6, 2017 communication to the Chairmen of the Senate Energy and Natural Resources Committee and the House Energy and Commerce Committee, MHARR – citing extensive independent evidence, urged Congress to exercise its authority under the CRA to prevent any final DOE manufactured housing energy rule from taking effect.

Such a vote by Congress, would under the express terms of CRA, bar the DOE from reissuing the rule “in substantially the same form,” or issuing a new rule “that is substantially the same” as the rejected rule, “unless the reissued or new rule is specifically authorized by a law enacted after the date of the joint congressional resolution disapproving the original rule.

M_Mark_Weiss_MHARR_president__mhpronews__credit postedDailyBusinessNewsMHProNews

MHARR president and CEO M. Mark Weiss. Credit: MHProNews. For an in-depth interview with Mark Weiss, click here.

MHARR says that this prohibition, in light of changes in the composition of Congress and the election of a new president in November 2016, could well end the threat of destructive and debilitating DOE manufactured housing energy regulation for an indefinite period.

The association represents the interests of independent HUD Code producers, among others.

MHARR says that congressional rejection of a final DOE manufactured housing “energy” rule would fulfill President-Elect Trump’s pledge to “eliminate” wasteful and unnecessary federal regulations “which kill jobs and do not improve public safety  It would also put teeth behind Congress’ November 15, 2016 warning to all federal agencies to refrain from “finalizing pending rules or regulations in the [Obama] Administration’s last days.

In that warning memorandum, the congressional leadership promised to scrutinize any such midnight rules and if appropriate, overturn them, pursuant to the Congressional Review Act.

Manufactured homes ready for shipment-credit=wikipedia-postedDailyBusinessNewsMHProNews

Manufactured homes ready for shipment. Image credit – Wikipedia.

For the full statement from MHARR, click here.

For the full MHARR Congressional review request, click here. ##

(Image credits are as shown above.)

rcwilliams-writer75x75manufacturedhousingindustrymhpronews

RC Williams, for Daily Business News, MHProNews.

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