{"id":15233,"date":"2018-12-22T12:47:41","date_gmt":"2018-12-22T18:47:41","guid":{"rendered":"http:\/\/mhmarketingsalesmanagement.com\/blogs\/tonykovach\/?p=15233"},"modified":"2019-01-31T21:56:04","modified_gmt":"2019-02-01T03:56:04","slug":"affordable-housing-fleetwood-champion-clayton-genius-of-the-christmas-story","status":"publish","type":"post","link":"https:\/\/www.manufacturedhomepronews.com\/masthead\/affordable-housing-fleetwood-champion-clayton-genius-of-the-christmas-story\/","title":{"rendered":"Affordable Housing &#8211; Fleetwood, Champion, Clayton &#8211; Genius of the Christmas Story"},"content":{"rendered":"<h3><\/h3>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter size-full wp-image-15234\" src=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2018\/12\/AffordableHousingFleetwoodChampionClaytonGeniusChristmasStoryMastheadManufacturedHomeMHProNews.jpg\" alt=\"AffordableHousingFleetwoodChampionClaytonGeniusChristmasStoryMastheadManufacturedHomeMHProNews\" width=\"600\" height=\"315\" \/><\/p>\n<p>Depending on who\u2019s estimate we accept, there\u2019s some <a href=\"https:\/\/www.manufacturedhomepronews.com\/new-hud-report-reveals-tragedy-of-homelessness-when-solution-for-affordable-housing-is-hiding-in-plain-sight\/\" target=\"_blank\" rel=\"noopener\">550,000<\/a> to 660,000 homeless in the richest nation on earth, the U.S.A. As rents rise, so does homelessness, says <a href=\"https:\/\/www.manufacturedhomepronews.com\/zillow-research-reveals-impact-of-rising-rents-on-homelessness-affordable-housing-advocates-public-officials-and-investors-take-note\/\">Zillow\u2019s research<\/a>, which supplied the higher homeless count. With some $22 trillion dollars spent on \u201c<strong>Great Society<\/strong>\u201d programs as of a 2014 Heritage Foundation report, one must ask &#8211; how much waste, fraud, corruption, and ineffectiveness is there at the federal level alone?<\/p><div id=\"manuf-3753068751\" class=\"manuf-content manuf-entity-placement\"><script async src=\"\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js?client=ca-pub-3870480136270376\" crossorigin=\"anonymous\"><\/script><ins class=\"adsbygoogle\" style=\"display:block;\" data-ad-client=\"ca-pub-3870480136270376\" \ndata-ad-slot=\"\" \ndata-ad-format=\"auto\"><\/ins>\n<script> \n(adsbygoogle = window.adsbygoogle || []).push({}); \n<\/script>\n<\/div>\n<p>The U.S. homeownership rate doesn\u2019t place us in the top 40 nations on earth, how is that possible?<\/p>\n<p>And it\u2019s almost Christmas.<\/p>\n<p>The genius of the Christmas story is so vast that it can\u2019t be fully grasped in any one article, or book. It can be viewed in a variety of accurate ways. Suffice for now to note that Mary and Joseph were home-owners, not per se \u2018homeless.\u2019 Rather, they were <em>traveling <\/em>when the couple finally found shelter in a stable.<\/p>\n<p>What sparked their journey, so late in Mary\u2019s pregnancy? Because the Roman Emperor Caesar had mandated a census count for tax and other purposes. They had to travel to Bethlehem, because it was mandated by imperial decree \u2013 their law.<\/p>\n<p>The <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/seek-first-a-post-charlottesville-message-of-healing-and-principles-for-america\/\" target=\"_blank\" rel=\"noopener\">carpenter and his family<\/a> experienced <em>what it was like to be homeless<\/em>. For what Christians call the \u201c<span style=\"color: #993300;\"><strong>Holy Family<\/strong><\/span>,\u201d that stable they sheltered in for the Christ child\u2019s birth may have been in a cave. For thousands in towns like Los Angeles or San Francisco, it may be tents, a cardboard box, dumpster, or a sleeping bag. The \u2018luckier\u2019 homeless in the U.S. are living in vehicles, not designed for residential purposes.<\/p>\n<p>Why is it so in the U.S., two thousand years after the birth of Jesus?<\/p>\n<p>There are many causes, of course. Here on <em>MHProNews<\/em> we track, research, follow-the-money, and report our findings daily on certain aspects of news and view that routinely relate to the broader issue of affordable homes and public policies.<\/p>\n<p>The Holy Family weren\u2019t Democrats, Republicans, Libertarians, Green, Socialists, Communists, or any other political or special interest group \u2013 which isn\u2019t a slur on any of the member of those groups, just a statement of fact. But with so many who claim to be Christians, it\u2019s no wonder each of those <a href=\"https:\/\/www.manufacturedhomepronews.com\/scandalous-presidential-politics-affordable-housing-mobile-and-manufactured-homes\/\">political groups\u2019 leadership<\/a> periodically gloms onto the moving Christmas tale, spinning or weaponizing what occurred for their own purposes.<\/p>\n<p>Rather, the Jewish Joseph and Mary were faithful, non-partisan, working-class people.<\/p>\n<p>For thousands of years, there\u2019s been dictators like Caesar, or shrewd (unethical) business people who\u2019ve rigged their scales to give less than what a buyer bargained for.<\/p>\n<p>Before there was <a href=\"https:\/\/www.manufacturedhomepronews.com\/insider-tips-clayton-multi-million-dollar-plan-aims-at-replacing-sales-staff-warren-buffett-bill-gates-kevin-clayton-meeting\/\">Clayton Homes<\/a> in contemporary manufactured housing, there was what we should clearly state is the OLD Fleetwood Homes and PREVIOUS Champion Homes that were affordable manufactured home builders. The old Fleetwood and Champion of the 1990s were in a race to buy up chunks of the industry in their day. The two firms often paid hefty premiums for retail locations, hoping thereby to increase their market shares, also thereby narrowing the distribution networks of competitors products.<\/p>\n<p>As <a href=\"https:\/\/www.manufacturedhomepronews.com\/smoking-gun-3-warren-buffett-kevin-clayton-clayton-homes-21st-mortgage-corp-tim-williams-manufactured-home-lending-sales-grab\/\">Warren Buffett observed in an annual letter to Berkshire Hathaway shareholders that in 1998<\/a> Fleetwood, Champion, and Oakwood &#8211; then the Big Three of manufactured housing &#8211; has some 44% of the market. According to data from the now defunct <em>Manufactured Home Merchandiser Magazine<\/em>, the top three that year &#8211; Champion, Fleetwood, and Oakwood &#8211; produced 172,723 of the 372,843 total HUD Code manufactured homes shipped that year, or 46.3 percent of the total.<\/p>\n<p>By 2017, it was Berkshire owned <a href=\"https:\/\/www.manufacturedhomepronews.com\/whistleblower-ex-clayton-homes-team-member-on-tv-denounces-manufactured-housing-giants-practices\/\">Clayton Homes<\/a> that had some 50 percent market share, although they claim in their annual report that it was \u2018only\u2019 47.7%. Unlike the old Champion and prior Fleetwood, Buffett\u2019s brand Clayton Homes didn\u2019t overpay for retail outlets, factories, or anything else. Rather, Berkshire\u2019s subsidiaries bought locations, loans, and businesses at a discount &#8211; a \u2018value\u2019 &#8211; as investors understandably call it.<\/p>\n<p>There are numerous questions that should arise from this outline. For example, two decades ago &#8211; when it was Champion and Fleetwood that dominated the <a href=\"https:\/\/www.manufacturedhomepronews.com\/manufactured-housing-institute-housing-alert-affordable-housing-crisis-mhis-nettlesomethings-response\/\">Manufactured Housing Institute<\/a> (MHI) &#8211; how different was it from how the Berkshire brands in manufactured housing dominate MHI today?<\/p>\n<p>Community owners didn\u2019t feel well represented in the old MHI. So, they forged the National Communities Council (NCC) side of MHI. There are MHI\/NCC members \u2013 some from the large companies &#8211; that tell <em>MHProNews<\/em> that they <em><a href=\"https:\/\/www.manufacturedhomepronews.com\/its-a-terrible-idea-comments-from-manufactured-home-community-owners-senior-management-and-investors\/\">still don\u2019t feel well represented<\/a><\/em>. Is it a surprise that a new national MH Communities association is coming to birth?<\/p>\n<p>Among resident groups, there are squabbles and contests too. GSMOL, for example, <a href=\"https:\/\/www.manufacturedhomelivingnews.com\/manufactured-home-resident-group-president-cautions-against-mhaction-surprising-background-reveal-to-manufactured-housing-action\/\">wags a finger at MHAction, saying the later are taking credit for things that the GSMOL accomplished<\/a>. On the professional side of MHVille, the independent producers\u2019 <a href=\"https:\/\/manufacturedhousingassociationregulatoryreform.org\/\">Manufactured Housing Association for Regulatory Reform<\/a> (MHARR) similarly asserts that MHI often takes credit for things that MHARR or others accomplished. Interesting, isn\u2019t it?<\/p>\n<p>Meanwhile, there are thousands of professionals \u2013 and millions of residents \u2013 all trying to earn an honest living. Their struggle is often more about battling systems that are often arguably \u201c<a href=\"https:\/\/www.manufacturedhomepronews.com\/what-are-we-chopped-liver-mhi-member-december-2018-reactions\/\">rigged<\/a>\u201d by the \u201cbig boys\u201d against the <a href=\"https:\/\/www.manufacturedhomepronews.com\/housing-choice-where-modular-manufactured-tiny-conventional-housing-crisis-mhi-and-mharr-intersect\/\">smaller businesses and the masses<\/a> of workers and retirees whom they seek to serve.<\/p>\n<p>Then, millions more trapped in rentals that one protest leader said was \u201c<span style=\"color: #993300;\"><strong>too damn high<\/strong><\/span>.\u201d<\/p>\n<p>But negative media like the <a href=\"https:\/\/www.manufacturedhomepronews.com\/trailer-park-boys-al-kemp-canadian-manufactured-home-community-association-letter-reacts-to-netflix-series\/\">problematic <em>Netflix<\/em> series the <em>\u201cTrailer Park Boys\u201d <\/em>fuels stereotypes<\/a> that cause many to never consider what the <a href=\"https:\/\/manufacturedhomepronews.com\/masthead\/its-your-profession-investment-of-time-talent-treasure-so-whats-next\/\">GAO, NAR, Fannie Mae, Ford Foundation, HUD, and other third-party<\/a> researchers called the most affordable, permanent, and safe &#8211; yes safe &#8211; new homes in America.<\/p>\n<p>Inaccurate stereotypes, the propagation of misleading information, stigmas, and corrupted, rigged systems all are contributing factors to the tragedy of over a half-million homeless and relatively low rates of home ownership in the U.S.A. today.<\/p>\n<p>Scales, information, and systems are usually rigged in order to cheat the many to benefit a few. It was so thousands of years ago, and it is similar so today.<\/p>\n<p>But angels reportedly sang at the birth of the child Jesus whose birth into a sinful and corrupted world we celebrate on Christmas. Wise men came from afar bearing gifts to curiously see first-hand what that star over Bethlehem was all about.<\/p>\n<p>We are wise when we ponder the deeper meanings of the Christmas story too.<\/p>\n<p>As we bring or open our gifts for each other, let\u2019s remember that a greedy and power hungry few are working to manipulate scales, information, and the masses, for their own benefit. That\u2019s arguably why there\u2019s still so much poverty, and why millions in America are trapped in Mr. Potter\u2019s rentals, and don\u2019t own a home.<\/p>\n<p>https:\/\/www.manufacturedhomelivingnews.com\/affordable-homes-warren-buffett-as-mr-potter-in-christmas-classic-its-a-wonderful-life\/<\/p>\n<p>May the inspiration of Mary, Joseph, and Jesus enlighten our minds, hearts, and hands to do whatever is just and good. Because the honest actions of the few \u2013 then and now \u2013 can uplift the many, inspire the wise, and bring out the good in others. The honest truth always what sparks change for-the-better in our world.<\/p>\n<p>Merry Christmas to all. ## (\u201c<span style=\"color: #993300;\"><strong>We Provide, You Decide<\/strong><\/span>.\u201d \u00a9 ## \u2013 (News, Masthead commentary, and analysis.)<\/p>\n<p>(<strong>See <span style=\"color: #ff0000;\">Related Reports<\/span>, further below<\/strong>. Text\/image boxes often are hot-linked to other reports that can be access by clicking on them. Third-party images and content are provided under fair use guidelines.)<\/p>\n<p><img decoding=\"async\" class=\"alignleft size-medium wp-image-15139\" src=\"https:\/\/manufacturedhomepronews.com\/masthead\/wp-content\/uploads\/2018\/11\/AlanAmyRoyerMobileHOmesOpelousaLALATonyKovachMastheadBlogManufacturedHousingIndustryProNews-386x430.jpg\" alt=\"AlanAmyRoyerMobileHOmesOpelousaLALATonyKovachMastheadBlogManufacturedHousingIndustryProNews\" width=\"386\" height=\"430\" \/>By<a href=\"http:\/\/www.83degreesmedia.com\/features\/mhnews072115.aspx\" target=\"_blank\" rel=\"noopener\"> L.A. &#8220;Tony&#8221; Kovach<\/a> &#8211; for <em>MHProNews<\/em>.com.<\/p>\n<p>Tony is the multiple award-winning managing member of LifeStyle Factory Homes, LLC, the parent company to <em>MHProNews,<\/em> and <a href=\"http:\/\/MHLivingNews.com\" target=\"_blank\" rel=\"noopener\"><em>MHLivingNews.com<\/em><\/a>.<\/p>\n<p align=\"LEFT\"><span style=\"color: #000000;\"><span style=\"font-family: Tahoma,sans-serif;\"><span style=\"font-size: small;\"><span lang=\"en-US\">Office <b>863-213-4090<\/b><\/span><\/span><\/span><\/span><span style=\"color: #000000;\"><span style=\"font-family: Tahoma,sans-serif;\"><span style=\"font-size: small;\"><span lang=\"en-US\"> |<\/span><\/span><\/span><\/span><span style=\"font-family: Tahoma,sans-serif;\"><span style=\"font-size: small;\"><span style=\"color: #000000;\"><span lang=\"en-US\">Connect on <\/span><\/span><span style=\"color: #000000;\"><span lang=\"en-US\"><b>LinkedIn<\/b><\/span><\/span><span style=\"color: #000000;\"><span lang=\"en-US\">:<br \/>\n<\/span><\/span><\/span><\/span><span style=\"color: #1155cc;\"><span style=\"font-family: Helvetica,sans-serif;\"><span style=\"font-size: small;\"><u><a href=\"http:\/\/www.linkedin.com\/in\/latonykovach\" target=\"_blank\" rel=\"noopener\"><span lang=\"en-US\">http:\/\/www.linkedin.com\/in\/latonykovach<\/span><\/a><\/u><\/span><\/span><\/span><\/p>\n<p><strong><span style=\"color: #0000ff;\">Sign Up Today<\/span>!<a href=\"http:\/\/eepurl.com\/daiyGn\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"alignright wp-image-75403\" src=\"https:\/\/www.manufacturedhomepronews.com\/wp-content\/uploads\/2018\/02\/EmailedMHProNewsHeadlineNewsDailyBusinessNews.png\" alt=\"EmailedMHProNewsHeadlineNewsDailyBusinessNews\" width=\"249\" height=\"224\" \/><\/a><\/strong><\/p>\n<p>Click<strong> <a href=\"http:\/\/eepurl.com\/daiyGn\">here to sign up in 5 seconds for the<\/a> <span style=\"color: #ff0000;\">manufactured<\/span><\/strong><strong><span style=\"color: #ff0000;\"> home industry&#8217;s leading<\/span> &#8211; and still growing &#8211; emailed headline news updates<\/strong>.<\/p>\n<h2><span style=\"color: #0000ff;\"><strong>Related References<\/strong><\/span>:<\/h2>\n<h3>The text\/image boxes below are linked to other reports, which an be accessed by clicking on them.<\/h3>\n<blockquote class=\"wp-embedded-content\" data-secret=\"Zpli0pTIqp\"><p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/where-i-come-from\/\">Where I Come From<\/a><\/p><\/blockquote>\n<p><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;Where I Come From&#8221; &#8212; Masthead L. A. &#039;Tony&#039; Kovach\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/where-i-come-from\/embed\/#?secret=A9q9dCH7Hl#?secret=Zpli0pTIqp\" data-secret=\"Zpli0pTIqp\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/understanding-the-news-as-business-and-manufactured-housing\/<\/p>\n<blockquote class=\"wp-embedded-content\" data-secret=\"1IMxEubzJX\"><p><a href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/its-your-profession-investment-of-time-talent-treasure-so-whats-next\/\">It\u2019s Your Profession &#8211; Investment of Time, Talent, Treasure &#8211; So What\u2019s Next?<\/a><\/p><\/blockquote>\n<p><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"&#8220;It\u2019s Your Profession &#8211; Investment of Time, Talent, Treasure &#8211; So What\u2019s Next?&#8221; &#8212; Masthead L. A. &#039;Tony&#039; Kovach\" src=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/its-your-profession-investment-of-time-talent-treasure-so-whats-next\/embed\/#?secret=kRqNFTNDJ5#?secret=1IMxEubzJX\" data-secret=\"1IMxEubzJX\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe><\/p>\n<p>https:\/\/www.manufacturedhomepronews.com\/back-to-basics-what-is-classical-liberalism-and-what-can-it-mean-for-manufactured-housing-growth\/<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Depending on who\u2019s estimate we accept, there\u2019s some 550,000 to 660,000 homeless in the richest nation on earth, the U.S.A. As rents rise, so does homelessness, says Zillow\u2019s research, which supplied the higher homeless count. With some $22 trillion dollars spent on \u201cGreat Society\u201d programs as of a 2014 Heritage Foundation report, one must ask &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"ast-button\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/affordable-housing-fleetwood-champion-clayton-genius-of-the-christmas-story\/\"> <span class=\"screen-reader-text\">Affordable Housing &#8211; Fleetwood, Champion, Clayton &#8211; Genius of the Christmas Story<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":5,"featured_media":16437,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[5089,5080,5210,5082,5084,5086,5121],"tags":[762,538,5225,534,873,5226,3653,5227,162,5228,5229,3,5230,7,8],"class_list":["post-15233","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-affordable-housing","category-commentary","category-inspirational","category-manufactured-home-industry-image","category-manufactured-housing-industry-reports-news","category-manufactured-housing-institute-mhi","category-politics","tag-affordable-housing","tag-champion","tag-christmas-story","tag-clayton","tag-fleetwood","tag-ford-foundation","tag-gao","tag-genius","tag-hud","tag-jesus","tag-joseph","tag-manufactured-housing","tag-mary","tag-mharr","tag-mhi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Affordable Housing - Fleetwood, Champion, Clayton - Genius of the Christmas Story - Masthead L. A. &#039;Tony&#039; Kovach<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/affordable-housing-fleetwood-champion-clayton-genius-of-the-christmas-story\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Affordable Housing - Fleetwood, Champion, Clayton - Genius of the Christmas Story - Masthead L. A. &#039;Tony&#039; Kovach\" \/>\n<meta property=\"og:description\" content=\"Depending on who\u2019s estimate we accept, there\u2019s some 550,000 to 660,000 homeless in the richest nation on earth, the U.S.A. As rents rise, so does homelessness, says Zillow\u2019s research, which supplied the higher homeless count. With some $22 trillion dollars spent on \u201cGreat Society\u201d programs as of a 2014 Heritage Foundation report, one must ask &hellip; Affordable Housing &#8211; Fleetwood, Champion, Clayton &#8211; Genius of the Christmas Story Read More \u00bb\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.manufacturedhomepronews.com\/masthead\/affordable-housing-fleetwood-champion-clayton-genius-of-the-christmas-story\/\" \/>\n<meta property=\"og:site_name\" content=\"Masthead L. 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