Comments for Industry Voices http://www.mhmarketingsalesmanagement.com/blogs/industryvoices MH Industry Leaders Speak Out Fri, 03 Feb 2012 19:27:00 +0000 hourly 1 http://wordpress.org/?v=3.1.3 Comment on Indiana Manufactured Housing Association meets the SAFE Act by buy structured settlement http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/indiana-manufactured-housing-association-meets-the-safe-act/comment-page-1/#comment-455 buy structured settlement Fri, 03 Feb 2012 19:27:00 +0000 http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/?p=382#comment-455 I am the architecture so I like to find out a  different types of construction planning. This post sharing a useful idea for the housing management. I accept some needful suggestion for the Indiana Manufactured House. I am the architecture so I like to find out a  different types of construction planning. This post sharing a useful idea for the housing management. I accept some needful suggestion for the Indiana Manufactured House.

]]> Comment on Indiana Manufactured Housing Association meets the SAFE Act by structured settlements http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/indiana-manufactured-housing-association-meets-the-safe-act/comment-page-1/#comment-449 structured settlements Fri, 20 Jan 2012 23:29:00 +0000 http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/?p=382#comment-449 As above give a nice post. Prefabricated apartment sales to retailers, the absolute area brokers, apartment developer, manufacturer, manufacturers, and a wealth of absolute sale. Most of them will be able to accommodate abutment service, but also has a degree of confidence some of the limitations. As above give a nice post. Prefabricated apartment sales to retailers, the absolute area brokers, apartment developer, manufacturer, manufacturers, and a wealth of absolute sale. Most of them will be able to accommodate abutment service, but also has a degree of confidence some of the limitations.

]]> Comment on This makes my blood boil… by Anonymous http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/this-makes-my-blood-boil/comment-page-1/#comment-447 Anonymous Mon, 16 Jan 2012 13:41:00 +0000 http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/?p=905#comment-447 Lets also start a campaign to inform TV newscasters reporting on impending high wind events that dangers of remaining in a "mobile or manufacruted home" without seeking adequate shelter depends on when the home was built and the standards to which it was installed. To my knowledge, there has never been an independent reliable study which shows that a HUD Code Home built in the past 10 years, properly setup on a foundtion or tied down to strict state standards is any more likely to fail to protect it's residents any more than a site built home. And, please stop flying the camers over communities after a storm showing all the skirting, sheds, and awnings which have been blown off the homes, making it look like the homes have also destructed. Site built home neighborhoods without these inexpensive manufactured home installed accessories don't show as dramitically bad, since as more expensive housing, they don't tend to use these low cost accessory structures. But, all the ground flotsam, isn't any more an indication of the safety of the residence, than the dramatically spoken ill advised comments by the commentators are an indication of their intelligence. Lets also start a campaign to inform TV newscasters reporting on impending high wind events that dangers of remaining in a “mobile or manufacruted home” without seeking adequate shelter depends on when the home was built and the standards to which it was installed. To my knowledge, there has never been an independent reliable study which shows that a HUD Code Home built in the past 10 years, properly setup on a foundtion or tied down to strict state standards is any more likely to fail to protect it’s residents any more than a site built home. And, please stop flying the camers over communities after a storm showing all the skirting, sheds, and awnings which have been blown off the homes, making it look like the homes have also destructed. Site built home neighborhoods without these inexpensive manufactured home installed accessories don’t show as dramitically bad, since as more expensive housing, they don’t tend to use these low cost accessory structures. But, all the ground flotsam, isn’t any more an indication of the safety of the residence, than the dramatically spoken ill advised comments by the commentators are an indication of their intelligence.

]]> Comment on Into the Great Green North by Logement a louer Quebec http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/into-the-great-green-north/comment-page-1/#comment-443 Logement a louer Quebec Sat, 07 Jan 2012 05:25:00 +0000 http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/?p=398#comment-443 Housing industries is the best to grow well in market of the world. Real estate maid it excellence and the best. Information make it easier to invest proper and attractive. Housing industries is the best to grow well in market of the world. Real estate maid it excellence and the best. Information make it easier to invest proper and attractive.

]]> Comment on Congressman Joe Donnelly Statement for the Record Field Hearing: “The State of Manufactured Housing” by Rio apartments http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/congressman-joe-donnelly-statement-for-the-record-field-hearing-%e2%80%9cthe-state-of-manufactured-housing%e2%80%9d/comment-page-1/#comment-441 Rio apartments Mon, 02 Jan 2012 07:22:00 +0000 http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/?p=851#comment-441 I would like to say that this blog really convinced me, you give me best information! Thanks, very good post.  I would like to say that this blog really convinced me, you give me best information! Thanks, very good post. 

]]> Comment on Congressman Joe Donnelly Statement for the Record Field Hearing: “The State of Manufactured Housing” by Real estate orange county http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/congressman-joe-donnelly-statement-for-the-record-field-hearing-%e2%80%9cthe-state-of-manufactured-housing%e2%80%9d/comment-page-1/#comment-439 Real estate orange county Thu, 29 Dec 2011 12:35:00 +0000 http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/?p=851#comment-439 Generally I don’t learn post on blogs, but I would like to say that this write-up very compelled me to check out and do it ! Your writing style has been surprised   me. Thanks, very nice post. Generally I don’t learn post on blogs, but I would like to say that this write-up very compelled me to check out and do it ! Your writing style has been surprised   me. Thanks, very nice post.

]]> Comment on Dick Moore’s Industry and Finance Perspective by Dick Moore http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/dick-moores-industry-and-finance-perspective/comment-page-1/#comment-419 Dick Moore Tue, 29 Nov 2011 21:02:00 +0000 http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/?p=829#comment-419 Tony,The recourse arrangement was basically like non-recourse, except that the retailer guaranteed the paper and was paid a portion of the interest rate spread for the endorsement.  It was a very profitable arrangement.The bank originated the paper via the retailer.  If a loan went past the negotiated past-due days, the retailer was expected to then repurchase the contract and do what he wanted with the collateral.  Under the proper business model, the retailer would proceed to repossess it, recondition the unit and re-sell it.  The % of interest (endorsement fee) was placed in a reserve account for losses and was paid out to you on a negotiated basis.  "In park" sales would not be nearly as difficult as a street dealer selling all over the place with any repo problems associated with recovering the collateral   You have better control "in-park."That was in the day prior to the NMLS and the new regulatory rules of Dodd-Frank.  Many lenders have simply stopped originating MH paper due to the level of complexity of the rules (and associated fines/penalties for any errors).   IF a retailer has a bank still amenable to originating MH paper under a recourse agreement, the retailer would have to be licensed as a NMLO for each state in which loans would be originated to receive rate compensation in today¹s world.  (Any retailer/park owner originating paper now has to get licensed through that system - to do it legally, that is.)There is another method of handling this type of paper: use it as collateral and borrow against it.I went out to Texas and consulted with Gary Adamek a few years ago.  It took 2 or 3 days of consulting work with Gary to turn him around.  He is doing great.  You can ask Bill Carr about that.  I'm very proud of that event.If you have a good relationship with a local bank, I could structure a deal your bank possibly would finance that would make you money.I charge $1,500 per day plus expenses to come to your place, examine the current system, examine the paper you currently have, look at your financials, and tell you what the bank will expect.  After we have discussed all this and I know your expectations, I can design a plan tailored to the specific needs.  Call me if you want to discuss this further.  My cell # is 901-490-2075.  Dick Tony,The recourse arrangement was basically like non-recourse, except that the retailer guaranteed the paper and was paid a portion of the interest rate spread for the endorsement.  It was a very profitable arrangement.The bank originated the paper via the retailer.  If a loan went past the negotiated past-due days, the retailer was expected to then repurchase the contract and do what he wanted with the collateral.  Under the proper business model, the retailer would proceed to repossess it, recondition the unit and re-sell it.  The % of interest (endorsement fee) was placed in a reserve account for losses and was paid out to you on a negotiated basis.  ”In park” sales would not be nearly as difficult as a street dealer selling all over the place with any repo problems associated with recovering the collateral   You have better control “in-park.”That was in the day prior to the NMLS and the new regulatory rules of Dodd-Frank.  Many lenders have simply stopped originating MH paper due to the level of complexity of the rules (and associated fines/penalties for any errors).   IF a retailer has a bank still amenable to originating MH paper under a recourse agreement, the retailer would have to be licensed as a NMLO for each state in which loans would be originated to receive rate compensation in today¹s world.  (Any retailer/park owner originating paper now has to get licensed through that system - to do it legally, that is.)There is another method of handling this type of paper: use it as collateral and borrow against it.I went out to Texas and consulted with Gary Adamek a few years ago.  It took 2 or 3 days of consulting work with Gary to turn him around.  He is doing great.  You can ask Bill Carr about that.  I’m very proud of that event.If you have a good relationship with a local bank, I could structure a deal your bank possibly would finance that would make you money.I charge $1,500 per day plus expenses to come to your place, examine the current system, examine the paper you currently have, look at your financials, and tell you what the bank will expect.  After we have discussed all this and I know your expectations, I can design a plan tailored to the specific needs.  Call me if you want to discuss this further.  My cell # is 901-490-2075.  Dick

]]> Comment on Dick Moore’s Industry and Finance Perspective by Shawnsisco http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/dick-moores-industry-and-finance-perspective/comment-page-1/#comment-417 Shawnsisco Sat, 26 Nov 2011 19:38:00 +0000 http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/?p=829#comment-417 Mr. Moore as I came into the business 20 years ago, I have not dealt with recourse lending programs. Nowadays, my focus is on my MHP operation in which I "carry the paper" to provide customers purchase money. I would imagine many other readers of this site are in the same boat as I am. I would greatly appreciate an outline of a recourse lending plan that has a high probability of success. Mr. Moore as I came into the business 20 years ago, I have not dealt with recourse lending programs. Nowadays, my focus is on my MHP operation in which I “carry the paper” to provide customers purchase money.

I would imagine many other readers of this site are in the same boat as I am.

I would greatly appreciate an outline of a recourse lending plan that has a high probability of success.

]]> Comment on Warren Buffett proposes a Fix for the Economy and Washington Gridlock by Doylemhi http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/warren-buffett-proposes-a-fix-for-the-economy-and-washington-gridlock/comment-page-1/#comment-413 Doylemhi Tue, 01 Nov 2011 13:10:00 +0000 http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/?p=801#comment-413 This should be done...NOW!! This should be done…NOW!!

]]> Comment on MH homeowner and MBA’s perspective on MH Industry Turn-Around by Tony http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/mh-homeowner-and-mbas-prespective-on-mh-industry-turn-around/comment-page-1/#comment-411 Tony Tue, 25 Oct 2011 14:06:00 +0000 http://www.mhmarketingsalesmanagement.com/blogs/industryvoices/?p=810#comment-411 Paul, I agree that Lisa Tyler's observations are important ones.  Your point about would the owner of an MHC property find their own value proposition compelling is also telling. That said, I think that the point Lisa makes is that this reality won't change without a planned effort.  The plan must do more than just image, and marketing instructor Ms. Tyler sees that and the value of the MH Alliance method for accomplishing needed changes.  Involving home owners is as important as involving business owners and managers along with existing state associations to make for a three strand cord that is not easily broken. Tony Paul,
I agree that Lisa Tyler’s observations are important ones.  Your point about would the owner of an MHC property find their own value proposition compelling is also telling.

That said, I think that the point Lisa makes is that this reality won’t change without a planned effort.  The plan must do more than just image, and marketing instructor Ms. Tyler sees that and the value of the MH Alliance method for accomplishing needed changes.  Involving home owners is as important as involving business owners and managers along with existing state associations to make for a three strand cord that is not easily broken.

Tony

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