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Posts Tagged ‘Barack Obama’

No God, Jerusalem or Manufactured Housing?

September 16th, 2012 14 comments

by Michael Barnabas

You don't have to be Jewish to feel deep concern about what took place at the Democratic National Convention (DNC). Responding to political pressure to put the word "God" back in their platform as well as to once again name Jerusalem as Israel's national capital, DNC delegates where asked to pass the motion by a 2/3 vote. The video I've asked to be posted below tells the tale. For those who question the commitment by Democrats to fair elections, please watch this CSPAN video and share it with others.

Once you've watched this objectively, everything else is spin and commentary.

Among the emails that come into me are from a White House 'group.' Some months back, there was an outreach by that White House group to the business community. The president, it was said, wants to help ease burdensome regulations, to make it easier on small businesses.

Excuse me?

How can we take such an election year outreach to small businesses seriously, by those who executed Dodd-Frank and ObamaCare?

Talk to an independent manufactured home builder. Ask them, with consumer complaints at new lows, why is HUD pushing more and more 'voluntary' – and other – regulations? Why don't we have the Duty to Serve implemented by the GSEs/FHFA?

The energy sector creates demand for factory-built housing, in places such as North Dakota, Texas, West Virginia, Ohio, Pennsylvania and other states. The current administration's policies, up until election year, were favoring gas prices of $8 to $9 a gallon for gas, as this video clip of testimony by Energy Secretary Steven Chu demonstrates.

While this next video clip has been pieced together, it reflects in President Obama and Vice President Joe Biden's own words, a path designed to foil coal fired energy production in the United States.

Without belaboring the point, some believe that anti-domestic energy policies such as these were a path to promote green energy by making conventional domestic energy sources harder to come by. Such policies directly harm domestic energy firms. But they indirectly harm our industry, which often provides housing for those workers, especially when they are in areas with high demand for housing.

We scarcely hear about enhanced pre-emption for HUD Code Homes these days. Why not? Wasn't it part of the Manufactured Housing Improvement Act of 2000?

Community operators created some 10 billion worth of paper to finance manufactured homes in their land lease locations. This was a free enterprise solution designed to fill the gaps created when lenders who vaporized – such as Conseco – went good-bye. But SAFE, Dodd-Frank and a plethora of other laws and regulations have so squeezed this 'captive finance' free enterprise solution in MHCs, that now community owner/operators are turning to rental homes in their properties instead.

Rentals?

Rentals in once all owner occupied communities?! The entire business model of community operators is being changed by the Regulators and their political allies who passed and fund those regulations. Shame on us if we let the party of Regulation be rewarded.

I'm appalled that some still want to believe in "hope and change," when we are heading "forward" towards a new fiscal cliff and a new recession in 2013. Some commentators already believe we are already back in recession.

How could we move "forward" by following the advice of those who gladly took Fannie and Freddie's PAC money? Politicians such as Congressman Barney Frank and then Senator Barack Obama? ACORN, community organizer Barack Obama and the Clinton Administration worked together to force lenders to issue loans to those who were not credit qualified. No doubt there were Republicans who colluded. Shame on all involved.

But it is gutless by Republicans to let the Democrats dish it out and not respond to such fables, blaming Bush II for the mortgage/housing meltdown when Democrats had a firm hand in the cookie jar that caused that whole fiasco.

They should call it the mortgage/financial services industry's version of Russian roulette.

When government interferes so massively in the free market, of course there will be unintended consequences.

But to falsely blame supply side economics for the mortgage/housing collapse is a creative lie or brutal ignorance. Neither the option of lie or ignorance are worthy of credence or support.

We don't hear much in Manufactured housing circles about how the run-up to the mortgage meltdown harmed our Industry. But it did! Easy qualifying, liar loans and the like created a false opportunity for hundreds of thousands of conventional housing buyers. A percentage of those buyers were or normally would have been manufactured home owners. As some manufactured home lenders about those owners who walked away from their HUD Code homes to get conventional houses during the run up to the mortgage/housing bust.

That put pressure on MH lenders and the MH market in general. As MHs where being left behind, of course values dropped, just as they have more recently in conventional housing neighborhoods plagued by foreclosures.

So federal policy harmed our industry in the early 00s, as thousands of our home owners left what become over-leveraged HUDs for what turned out to be over-leveraged conventional houses.

You can thank those politicians who made that happen to us then and more recently.

But let's not thank them by rewarding them with our support or our votes. That is like rewarding the thief by putting him in charge of law enforcement.

When politicians plunder the public treasury to fund with borrowed and tax payer money programs contrary to the Constitution and the public interest, it is time to end such madness.

Research I've seen indicates that some 44-47% of voters will vote for President Obama no matter what he says or does. That means the rest of us who are capable of a critical analysis and independent thought better show up at the polls and cast ballots wisely.

While applauding columns like the one on Voter Fraud, I was frankly disappointed when MHProNews published an interview with Congressman Joe Donnelly. Donnelly may be a co-sponsor of HR 3849, but he also voted for HERA 2008, which gave us the SAFE Act. Donnelly voted for Dodd-Frank. So while I understand the desire for 'balance,' I question the timing or "political correctness" of publishing the Donnelly interview during campaign season.

What we need when the industry is already in the lifeboats and are looking at possible new waves looming on the horizon is enhanced clarity, not confusion.

When even Time Magazine, Newsweek and the New York Times Magazine are publishing stories and OpEds that call into question or openly attack the Obama Presidency, MH trade publications need to be coming out loud, clear and strongly in favor of less government, lower taxes/regulations, a sane pro-domestic energy program and more free enterprise leadership.

The first pair of drafts of this article I was asked to edit and tone down. So this is the toned down version. I was also told that the editor would add a disclaimer and an invitation for responses. So be it.

Back to the top. Sham votes matter. They speak volumes.

Election year political posturing, via asking independent business owners and executives how to reduce the burdens or regulations matters too. It is the age old trick of seduction at work. We are being divided and conquered.

We are watching borrowed money and our tax dollars being turned against us to destroy the greatest economic system and the most free society in world history.

9/11 and U.S. Embassies ablaze reminds us why Jerusalem and God matters to America, and why that Democratic sham of a platform vote matters.

Manufactured housing matters too. President Obama stood in Elkhart, IN – an area where so many manufactured housing plants and suppliers are – talking jobs. Are there connections between all that is being covered in this column? Yes. They are just different corners of the same bolt of American political cloth.

If we sweep the current left wing crop of Democrats and RINO Republicans aside in favor of more free market oriented leaders, manufactured housing can blossom and grow again. All we need is a level playing field.

Some speculate that Ben Bernanke may have decided on QE3 – de facto printing money – to boost stock prices short term to help Team Obama win re-election. Whatever his motivation, the credit down grade cited below reminds us that the Bernanke/FED/QE3 policy is misguided. It will harm the middle class and seniors. Economic history reminds us that you earn, not print, your way to success.

“Ratings firm Egan-Jones cut its credit rating on the U.S. government to "AA-"

from "AA," citing its opinion that quantitative easing from the

Federal Reserve would hurt the

U.S. economy and the country's credit quality.” – CNBC

If we have supply-side Republicans in charge of the House and Senate, but fail to sweep out Architect Obama – the leader of our changed and hopeless society – we have not done enough.

“Patriotism means to stand by the country. It does not mean to stand by the president or any other public official, save exactly to the degree in which he himself stands by the country. It is patriotic to support him insofar as he efficiently serves the country. It is unpatriotic not to oppose him to the exact extent that by inefficiency or otherwise he fails in his duty to stand by the country. In either event, it is unpatriotic not to tell the truth, whether about the president or anyone else.”

― Theodore Roosevelt

26th President of the United States

For anyone who votes to re-elect the man who wants to move us 'forward' off the looming fiscal cliff, such a person could qualify as unpatriotic by Roosevelt's definition.

Don't let that happen. Half measures won't be enough. ##

(Editor's Note: All Industry Voices and other opinion columns, including the Masthead blog, et al, represent the views of those who write them. They do not necessarily represent the views of MHProNews.com or our sponsors. It has been our long standing policy to invite guest columns from people with opposing perspectives. You can send your own letter to the editor or OpEd column on a subject connected to factory built housing to the email address linked here, with Industry Voices in the subject line. Thank you.)

Post submitted by
Michael Barnabas

President Obama’s Regulatory Executive Order Puts HUD Regulators on the Spot

January 20th, 2011 No comments

MHARR LogoAttached for your information and review is a copy of a Executive Order regarding federal regulation just issued by the White House on January 18, 2011. The Order, released in conjunction with a companion Wall Street Journal article by the President on over-regulation, marks a major policy shift by the Administration that has implications for manufactured housing as a federally-regulated industry.

In fact, it appears this Order almost could have been written with the HUD Code manufactured housing industry in mind. Its focus is on promoting the type of fair, reasonable and open regulatory environment that the HUD Code industry needs to thrive while serving consumers of affordable housing. Among other things, it states, as Administration policy, that the federal regulatory system, while protecting health and safety, must also advance “economic growth, innovation, competitiveness and job creation” through an “open exchange of information” that includes “affected stakeholders” – exactly the opposite of what is happening today in the HUD program.

Consequently, after carefully examining the Order overnight, MHARR, on January 19, 2011, acted to press HUD officials to fully comply with this Order as it relates to all aspects of the federal manufactured housing program including, most importantly, its ongoing rapid expansion of in-plant regulation. This expansion, which began innocuously as a program of “voluntary cooperation,” is now being transformed into a full-blown de facto regulation that will needlessly increase regulatory compliance costs passed to consumers by manufacturers and retailers, as the ongoing expansion now appears to target both. Details of the latest phase of this expansion, developed entirely behind closed doors, are emerging piece-by-piece, having been adopted without any official procedures.

All of this is addressed in detail in the attached copy of MHARR’s self-explanatory January 19, 2011 MHARR letter to HUD Assistant Secretary-Federal Housing Commissioner, David Stevens, a copy of which is attached for your information and review. This letter addresses the ways that the President’s January 18, 2011 Order applies to – and must alter – the practices of both the HUD regulatory program and HUD’s consumer financing programs, specifically including the FHA Title I manufactured housing program, which has been subject to severe limitations which thwart competition and market growth.

We urge you to carefully review this package, as it provides details of the latest phase of HUD’s ongoing expansion of regulation – mandatory three-day audits and costly enhanced Subpart I involvement by third-party inspectors – that are on-course to be imposed on manufacturers and retailers, because the industry establishment in Washington, D.C. refused to join forces with MHARR in order to force HUD to comply with the law by going through consensus committee and rulemaking procedures. Now, as shown by the attached letter, the industry has a major task on its hands to try to stop this.

MHARR, therefore, in an effort to curb and reverse the course of this runaway expansion of in-plant regulation, will now include and use the President’s Order and its January 19, 2011 letter to HUD in its overall ongoing activities with the 112th Congress, to demonstrate how HUD is violating the Administration’s own policy.

We will continue to keep you apprised as new developments on these issues unfold.

Danny D. Ghorbani, President
Manufactured Housing Association for Regulatory Reform
1331 Pennsylvania Ave N.W., Suite 508
Washington, D.C. 20004
Phone: 202/783-4087
Fax: 202/783-4075
Email: mharrdg@aol.com

White House reply to MHMSM.com initiated discussion

January 28th, 2010 5 comments

In a reply to correspondence with President Barack Obama by our www.MHMSM.com editor, here is the message that came in from the White House…


Dear Friend:

Thank you for writing. The images from Haiti of
collapsed hospitals, crumbled homes, and men and women
carrying their injured neighbors through the streets are truly
heart-wrenching. As we learn more about the extent of the
devastation, our thoughts and prayers are with the people of
Haiti.

I have directed my Administration to respond with a
swift, coordinated, and aggressive effort to save lives. The
people of Haiti will have the full support of the United
States Government in the recovery and rebuilding effort,
including the humanitarian relief–the food, water, and
medicine–that Haitians will need in the coming days.

This is also a time when we are reminded of the
common humanity we all share, and Americans have
always responded to these situations with generosity of
spirit. If you would like to support the urgent humanitarian
effort in Haiti, I encourage you to visit our website where
you can learn more about how to contribute:

http://www.WhiteHouse.gov/HaitiEarthquake

Americans trying to locate family members in Haiti
are encouraged to contact the State Department at (888)
407-4747.

We will continue to stand with the people of Haiti
and keep them in our thoughts and prayers.

Sincerely,

Barack Obama


This response came in prior to the President’s State of the Union Address, where he often spoke about jobs. His reply does not specifically address the pressing issue of using America’s factory-built housing industry as part of a concerted response that would house Haitians and create American jobs building strong, modest homes and installing those homes under American leadership. The http://www.mhmarketingsalesmanagement.com/blogs/tonykovach/a-call-to-action/ still makes sense, and we as Industry members should continue to press for a specific response from the President and from your Senators and Congressman.##