Podcast appearances and mentions of Clayton Homes

Focused As A Bee: Six Buzzworthy Strategies To Thrive In A Distracting World by Jones Loflin, Sydney Loflin Jonesloflin.com/podcast Amazon.com What could you accomplish if you improved your ability to focus? Imagine what your life would be like if: You had the satisfaction of completing your goals You had perfect clarity on your priorities and your daily decisions were aligned with them You had a system to manage the countless distractions coming at you each day Focused as a Bee tells the story of Sydney, an ambitious young woman who is feeling overwhelmed with work and life. Constant distractions, a lack of clear priorities, and the failure to make progress on her goals are wreaking havoc on her self-confidence and work satisfaction. The future she envisions seems out of reach. She carries guilt for not improving her career success, but figuring out what needs to change remains a challenge she hasn't yet overcome. And now she has a new distraction… A swarm of honeybees in her backyard! Reaching out to her beekeeping best friend Alicia, Sydney hopes she will get rid of them ASAP. Instead, Alicia invites Sydney to explore how the work of the bees might offer insights on improving her current work life dilemma. As Sydney becomes comfortable with the bees, she realizes that the secret to their incredible productivity and success lies in their ability to focus. With Alicia's guidance, Sydney learns six permissions that enable her to: Complete her “one jobs” and stay focused on outcomes Reduce the temptation to shift her attention to less important activities Make changes to stay present in any moment Be patient with herself as she applies these new skills Focused as a Bee is a fun and essential guide for those tired of the status quo. Aren't you ready to experience the buzz of success more often? About the author JONES LOFLIN is president of Helping Others Prepare for Excellence Inc. As a keynote speaker for three decades, he has empowered countless individuals to make better choices with their time, enabling them to thrive both professionally and personally. Jones's innovative approaches to leadership and time management have garnered global recognition. His client list includes Federal Express, Choice Hotels, Clayton Homes, Saudi Aramco, and the United States military. Jones has four books. They include Always Growing, Juggling Elephants, Getting to It, and Getting the Blue Ribbon. His fifth book will be released in January 2025. As a coach, Jones is committed to helping people achieve meaningful progress in their lives.

Clayton Home founder and philanthropist Jim Clayton has abandoned plans to build a science museum in East Knoxville. In this week's installment, Scott looks at the decision and what's next for the 11-acre site next to the Civic Auditorium and Coliseum. He also talks about the Justice Knox Nehemiah Action Assembly, a “rails to trails” lawsuit stemming from a proposed South Knoxville greenway, Stuart Hohl's election as Knox Dems Chair, and more. Scott also looks ahead to opening day at Covenant Health Park, where Knoxville Smokies owner Randy Boyd has honored members of the Knoxville Giants, the city's team in the Negro Southern League during the 1920s and 30s.

Scott's life story is amazing and mind-blowing. Yes, we are promoting his business but we get in to his story. A MUST listen. ClaytonHomesOfKerrville.com BONUS material today! I sit in for Lorraine. Why do so many people know everything going on in DC, BUT cannot name a council member or school board member in their own community?

In this conversation, Kevin Bupp discusses his extensive experience in real estate, particularly in mobile home parks. He shares insights on how the COVID-19 pandemic impacted the real estate market, the current trends in mobile home parks, and the financing options available for both park owners and residents. Kevin emphasizes the importance of value-add strategies and the unique structure of ownership in mobile home parks, highlighting the differences between mobile homes and traditional housing. He also discusses the role of 21st Mortgage and Clayton Homes in facilitating financing for mobile home purchases. Sponsors: Altra Running Learn more about your ad choices. Visit megaphone.fm/adchoices

Pope County Judge urges Arkansans to vote against Issue 2; Clayton Homes to bring 250 jobs to Conway; organizers of Morrilton Fall Fest call the event a success; Attorney General unable to protest Summit Utilities rate hike; Morrilton Junior High football team seeks first win of season at Cabot tonight; we visit with Aimee Dawn with the Family Life Worship Center.

How can wholesalers effectively market their business and find motivated sellers in today's competitive real estate market?   In this insightful episode, Shaneka Lene' shares her valuable experiences and strategies for succeeding as a real estate wholesaler. She emphasizes the importance of being transparent with sellers, constantly educating oneself, and utilizing various marketing techniques such as driving for dollars, bandit signs, and SMS text blasts. Shaneka also highlights the significance of building relationships with other wholesalers and attending local real estate investor association (REIA) meetings to expand one's network and knowledge. Throughout the conversation, she provides practical tips on how to navigate the challenges of wholesaling while maintaining a strong worklife balance as a mother.   Shaneka Lene', affectionately referred to as “Sis”, is a real estate mogul and developer in her own right. Sis currently owns a multi million dollar real estate portfolio, which includes two mobile home parks, mobile homes and single family homes throughout NC. Shaneka also owns Hospitality Home Solutions, a family owned and operated full service remodeling company, which has worked with companies like Clayton Homes. In addition, in 2022, Shaneka became the first Black woman to be a licensed mobile home dealer, contractor, and mover in the state of North Carolina! To date, Sis has also acquired her license as a septic contractor in order to help aid in the development sector of her company. Shaneka is also the owner of Coastal Carolina Villas, a multimillion dollar development, including a Tiny Home Community, RV Resort, and Glamping that is scheduled to be open to guests in the summer of 2024. 00:00:00  00:02:00 Be Transparent with Sellers    Use local real estate investing terms that sellers can understand  Be upfront about the possibility of assigning the contract to another investor  Most sellers don't mind as long as the wholesaler follows through and closes the deal   00:02:00  00:04:00 Staying Current in the Real Estate Market     Listen to educational podcasts like Real Estate Disruptors and Flip to Freedom  Follow interesting episodes from BiggerPockets when posted by others  Drive for dollars with family members to find motivated sellers   00:04:00  00:07:00 Effective Marketing Strategies for Finding Motivated Sellers    Use PropStream to download lists and send SMS text blasts  Drive for dollars and cold call the leads generated  Utilize bandit signs, which often result in warm leads ready to sell   00:07:00  00:10:00 Pivoting and Adapting to Changes in the Wholesaling Industry    Be flexible and adaptable to adjust to any changes in regulations  If required, obtain a license to continue wholesaling  Attend local REIA meetings to stay informed and network with real estate attorneys   00:10:00  00:13:00 Tips for Success in Wholesaling    Invest in yourself and your education to separate yourself from competitors  Be professional, honest, and answer your phone promptly  Return phone calls in a timely manner, as the business is timesensitive   "I'm always up front with my sellers. Some of them don't understand the language of wholesaling. I don't come out and say:  I'm a wholesaler or anything like that. But I will say if, if this property doesn't  work for me, I may flip it to another investor, you know, i.e. assign it."  - Shaneka Lene'   "It's all in being able to be flexible and adaptable and to adjust to whatever the changes. So say for instance, they require wholesalers to become licensed. So you go get your license and you continue to wholesale."  - Shaneka Lene'   Connect with Shaneka:   Facebook Group: https://www.facebook.com/groups/670062460067947/ Facebook: https://www.facebook.com/shaneka.shipman Instagram: https://www.instagram.com/sisshaneka/?hl=en Visit sponsorcloud.io/contact today and unlock $2,000 of free services exclusively for REI Rocks community members! Get automated syndication and investor relationship management tools to save time and money. Mention your part of the REI Rocks community for exclusive offers. Help make affordable, low-cost education summits possible. Check out Sponsor Cloud today!   LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode. Are you confused about where to start? Join our community and learn more about real estate investing.  Head over to our Facebook Page, Youtube Channel, or website  https://www.theacademypresents.com/jointhesummit36848306. Connect with Lorren Capital, LLC. for syndicated multifamily investments, https://lorrencapital.com/. To learn more about me, visit my LinkedIn profile, and connect with me

Have you ever wondered how overcoming personal trials and tapping into the power of community can skyrocket your success in the competitive world of real estate wholesaling? In this empowering episode, we dive into the remarkable journey of Shaneka Lene', a dynamo in the realm of real estate wholesaling. From starting her wholesaling business while pregnant with her fifth child to navigating the complexities of being a serial entrepreneur and a dedicated mother, Shaneka's story is a testament to resilience, passion, and the transformative power of community support. Through her insights and experiences, we explore the nuances of building a thriving business against the odds, the importance of fostering women-led initiatives in the real estate sector, and the strategies that propelled her Facebook group to a 20,000-strong community in record time.   Shaneka Lene', affectionately referred to as “Sis”, is a real estate mogul and developer in her own right. Sis currently owns a multi million dollar real estate portfolio, which includes two mobile home parks, mobile homes and single family homes throughout NC. Shaneka also owns Hospitality Home Solutions, a family owned and operated full service remodeling company, which has worked with companies like Clayton Homes. In addition, in 2022, Shaneka became the first Black woman to be a licensed mobile home dealer, contractor, and mover in the state of North Carolina! To date, Sis has also acquired her license as a septic contractor in order to help aid in the development sector of her company. Shaneka is also the owner of Coastal Carolina Villas, a multi-million dollar development, including a Tiny Home Community, RV Resort, and Glamping that is scheduled to be open to guests in the summer of 2024.   [00:00:00 - 00:02:00] The Leap of Faith: Shaneka's transition into real estate wholesaling Overcoming the initial hurdles with remarkable success Balancing entrepreneurship with motherhood   [00:02:00 - 00:04:00] Building a Community from Scratch:   The inception of a Facebook group amidst challenges Strategies for rapid community growth and engagement The importance of providing value and being relatable   [00:04:00 - 00:06:00] Empowering Women in Real Estate:   Launching LiveWIRED 2020 for women in real estate Creating a platform for women to shine and support each other The impact of all-women events in a male-dominated field [00:06:00 - 00:08:00] Collaboration Over Competition:   Shaneka's philosophy on collaboration and support The power of loyalty and relationship-building in business Encouraging a spirit of generosity and mutual success   [00:08:00 - 00:10:00] Overcoming Personal and Professional Challenges:   Shaneka's journey through adversity to success The concept of the "mom tax" and its impact Strategies for balancing business growth with family commitments   Quotes:   "I really embrace the spirit of collaboration. So anytime I can collaborate with others, especially women... it's something special." - Shaneka Lene'   Connect with Shaneka:   Facebook Group: https://www.facebook.com/groups/670062460067947/ Facebook: https://www.facebook.com/shaneka.shipman Instagram: https://www.instagram.com/sisshaneka/?hl=en Visit sponsorcloud.io/contact today and unlock $2,000 of free services exclusively for REI Rocks community members! Get automated syndication and investor relationship management tools to save time and money. Mention your part of the REI Rocks community for exclusive offers. Help make affordable, low-cost education summits possible. Check out Sponsor Cloud today!   LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode. Are you confused about where to start? Join our community and learn more about real estate investing.  Head over to our Facebook Page, Youtube Channel, or website  https://www.theacademypresents.com/jointhesummit36848306. Connect with Lorren Capital, LLC. for syndicated multifamily investments, https://lorrencapital.com/. To learn more about me, visit my LinkedIn profile, and connect with me      

Have you ever wondered how overcoming personal trials and tapping into the power of community can skyrocket your success in the competitive world of real estate wholesaling? In this empowering episode, we dive into the remarkable journey of Shaneka Lene', a dynamo in the realm of real estate wholesaling. From starting her wholesaling business while pregnant with her fifth child to navigating the complexities of being a serial entrepreneur and a dedicated mother, Shaneka's story is a testament to resilience, passion, and the transformative power of community support. Through her insights and experiences, we explore the nuances of building a thriving business against the odds, the importance of fostering women-led initiatives in the real estate sector, and the strategies that propelled her Facebook group to a 20,000-strong community in record time.   Shaneka Lene', affectionately referred to as “Sis”, is a real estate mogul and developer in her own right. Sis currently owns a multi million dollar real estate portfolio, which includes two mobile home parks, mobile homes and single family homes throughout NC. Shaneka also owns Hospitality Home Solutions, a family owned and operated full service remodeling company, which has worked with companies like Clayton Homes. In addition, in 2022, Shaneka became the first Black woman to be a licensed mobile home dealer, contractor, and mover in the state of North Carolina! To date, Sis has also acquired her license as a septic contractor in order to help aid in the development sector of her company. Shaneka is also the owner of Coastal Carolina Villas, a multi-million dollar development, including a Tiny Home Community, RV Resort, and Glamping that is scheduled to be open to guests in the summer of 2024.   [00:00:00 - 00:02:00] The Leap of Faith: Shaneka's transition into real estate wholesaling Overcoming the initial hurdles with remarkable success Balancing entrepreneurship with motherhood   [00:02:00 - 00:04:00] Building a Community from Scratch:   The inception of a Facebook group amidst challenges Strategies for rapid community growth and engagement The importance of providing value and being relatable   [00:04:00 - 00:06:00] Empowering Women in Real Estate:   Launching LiveWIRED 2020 for women in real estate Creating a platform for women to shine and support each other The impact of all-women events in a male-dominated field [00:06:00 - 00:08:00] Collaboration Over Competition:   Shaneka's philosophy on collaboration and support The power of loyalty and relationship-building in business Encouraging a spirit of generosity and mutual success   [00:08:00 - 00:10:00] Overcoming Personal and Professional Challenges:   Shaneka's journey through adversity to success The concept of the "mom tax" and its impact Strategies for balancing business growth with family commitments   Quotes:   "I really embrace the spirit of collaboration. So anytime I can collaborate with others, especially women... it's something special." - Shaneka Lene'   Connect with Shaneka:   Facebook Group: https://www.facebook.com/groups/670062460067947/ Facebook: https://www.facebook.com/shaneka.shipman Instagram: https://www.instagram.com/sisshaneka/?hl=en Visit sponsorcloud.io/contact today and unlock $2,000 of free services exclusively for REI Rocks community members! Get automated syndication and investor relationship management tools to save time and money. Mention your part of the REI Rocks community for exclusive offers. Help make affordable, low-cost education summits possible. Check out Sponsor Cloud today!   LEAVE A REVIEW + help someone who wants to explode their business growth by sharing this episode. Are you confused about where to start? Join our community and learn more about real estate investing.  Head over to our Facebook Page, Youtube Channel, or website  https://www.theacademypresents.com/jointhesummit36848306. Connect with Lorren Capital, LLC. for syndicated multifamily investments, https://lorrencapital.com/. To learn more about me, visit my LinkedIn profile, and connect with me      

FREE RESOURCES:  Make it Happen in 2024: GET YOUR (FREE) NEW YEAR'S RESOLUTION PLANNER : Link below!  https://leveluplive.ck.page/2024mih   3 Step Recipe to a Healthy Lifestyle: GET YOUR (FREE) 3 STEP RECIPE COMPLETE GUIDE: Link below!  https://leveluplive.ck.page/healthyeating   The FREE Ultimate One-Page Planner: Design Your Life: Link below!  The Holy Grail One-Page Planner that will help you Design Your Life   Embark on Isaiah Shepherd's incredible journey to becoming a millionaire by 30. Explore the secrets behind his national recognition as a GM for Clayton Homes and the strategic steps he took to build a thriving mobile home rental empire. Acquire practical insights that transcend age, empowering you to pursue millionaire status—whether you're 23 or 63. Tune in for this episode's blueprint, your guide to building your own empire and achieving financial greatness.   One on One Coaching: Link Below  www.levelupcoaching23.com    

Your customer is the lifeblood of your company. We hear this over and over again. Yet, companies don't do a great job of crafting a customer experience that actually meets our needs, values our time, and helps us achieve our goals. Customer experience is all the rage - why do so many companies get it wrong?Today, Aransas Savas and I discuss the myths of customer experience strategy: where companies go wrong in aligning the entire business around the customer's experience and why those end-of-call automated surveys just give you useless data. She shares her own experiences with brands on creating shifts in how the company views customer needs. Aransas shares the concept of "Jobs to Be Done" as a useful way to segment what customers need from you, why journey mapping and Net Promoter Scores don't give you a holistic picture of customer experience, and why it's far more useful to consider modes instead. We discuss how measuring Time Well Spent, Time Well Invested, and Time Well Saved helps both B2C and B2B brands more effectively understand what customers perceive as valuable. Finally, she shares the important highlights from Stone Mantel's recent 2023 Customer Experience Trends Report. To access the episode transcript, please click on the episode title at www.TheEmpathyEdge.com Key Takeaways:Customers are not robots - they will not likely follow the journeys you lay out in an idealized situation. You need to consider the customer every step of the way. The wrong questions are being asked during traditional data collection - as we change the questions and how they're being asked, you will be able to gather more valuable data to move forward in understanding your customer's experience. While AI can help to identify trends, it does still require a human touch to interpret the data for best use. Having a company purpose does not mean you understand your customer's purpose. "There's a functional job to be done, and there's an emotional, social, and aspirational job. If I can understand what all four of those are, I create a much more valuable product than if my product experience is strictly based on the functional job to be done." — Aransas SavasAbout Aransas Savas, Coach & Experience DesignerAransas Savas is a coach, an experience designer at Stone Mantel, and the co-host of the Experience Strategy Podcast. Drawing on over two decades of experience, Aransas combines behavioral science and coaching to partner with experience strategists at leading consumer brands, including Weight Watchers, Best Buy, Truist Bank, and Clayton Homes to create meaningful, and often, transformative, customer journeys.Based in Brooklyn, she is a 20-time marathoner, a wife to a newscaster, and a mother to a 200-year-old sourdough culture, a fluffy pup, and two spirited, creative girls.References: Stone Mantel's 2023 Experience Strategy Trends Report80-page report of the latest must-know Experience Strategy Trends for 2023, a deep analysis of cultural and customer trends based on insights collected from more than 3,200 customers and over 200 experience strategists over the course of 20 months.The Empathy Edge Podcast, Melina Palmer: Why Your Customers Can't Tell You What They WantConnect with Aransas SavasStone Mantel: https://www.stonemantel.co/ LinkedIn: https://www.linkedin.com/in/aransassavas/ Instagram: https://www.instagram.com/aransasrose/Podcast: The Experience Strategy PodcastJoin the tribe, download your free guide! Discover what empathy can do for you: http://red-slice.com/business-benefits-empathy Connect with Maria:Get the podcast and book: TheEmpathyEdge.comLearn more about Maria and her work: Red-Slice.comHire Maria to speak at your next event: Red-Slice.com/Speaker-Maria-RossTake my LinkedIn Learning Course! Leading with EmpathyLinkedIn: Maria RossInstagram: @redslicemariaX: @redsliceFacebook: Red SliceThreads: @redslicemaria

Graduates Kenny and Terry Kimsey have had harder times than usual for covid difficult years. They became homeless after their house rental was raised through the roofs. Bouncing back, their story is inspirational and still developing. YOU can help them. Click the link below to donate to their fund request to purchase land upon to place their modular home they are acquiring at Clayton Homes (where Kenneth worked for many years until health problems began to influence his job prospects. Hear how Terry has overcome a personal struggle with anxiety using natural methods he figured out on his own. The Lord has worked in their lives and isn't finished yet. Click Here to donate: http://spot.fund/32svlsc

Creating Meaningful Motivation through Understanding Customer Needs  Shep Hyken interviews Aransas Savas, the experience designer at Stone Mantel, and the co-host of the Experience Strategy Podcast. She talks about the transformational experience and creating a more meaningful and valuable relationship between customers and companies.  Top Takeaways:    Transformational experiences involve understanding what truly motivates and inspires customers. This goes beyond mere metrics and focuses on the holistic changes people experience.    Meaningful motivation is key to creating a valuable relationship between a company and its customers. It involves understanding customers' needs and building experiences that cater to those needs, leading to a more lasting and meaningful connection.    Manipulative motivation, where companies use data to manipulate customers for their own needs, is not the ideal approach. Meaningful motivation focuses on creating experiences that genuinely respond to customers' needs and desires.    The power of transformation lies in unlocking and understanding the transformational aspects of a program or service. By shifting focus from just one metric (e.g., weight loss) to a holistic approach, companies can create more meaningful and impactful experiences.    The power of transformation lies in unlocking and understanding the transformational aspects of a program or service. By shifting focus from just one metric to a holistic approach, companies can create more meaningful and impactful experiences.    Understanding what matters to customers and aligning business strategies and experiences to those needs is crucial. Companies can build strong, lasting relationships with their target audience by putting customers at the center and designing experiences around their motivations.    Plus, Shep and Aransas discuss which industries transformational experiences apply to. Tune in!  Quote:   "The transformation economy is about understanding what truly motivates and inspires customers to create lasting change in their lives."    About:    Shep Hyken interviews Aransas Savas, the experience designer at Stone Mantel and the co-host of the Experience Strategy Podcast. She has worked with leading brands such as Weight Watchers, Best Buy, Truist Bank, and Clayton Homes.  Shep Hyken is a customer service and experience expert, New York Times bestselling author, award-winning keynote speaker, and host of Amazing Business Radio.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Is the American Dream of homeownership becoming a nightmare due to escalating costs? Sit tight for an enlightening conversation with industry experts John Wright, Jennifer Castanson, and Will Stoker, as we dissect the major factors contributing to the housing affordability crisis. From supply-demand imbalances, labor challenges, supply chain disruptions to industry fragmentation, we leave no stone unturned. We also explore solutions that could potentially bridge the divide between various segments of the homebuilding and housing market.Can we think beyond the traditional building model to make housing affordable for most Americans? This episode takes you on a journey to understand the rising land costs and how it's impacting housing affordability. We explore options to increase the number of homes built on one acre of land and discuss Fannie Mae's manufactured housing program as a potential solution. Struggling with the stigma associated with manufactured housing? Hear it from our guests as they share feasible strategies to change public perception about this affordable housing solution.Don't miss out on the discussion about Fannie Mae's MH Advantage program and how it offers cost savings compared to a site-built home. How can we change financing options to make manufactured housing more appealing to home buyers? We tackle this question head-on. We also dive into the promising world of energy efficiency with Clayton Homes' commitment to building all their products to the new DOE zero energy ready product by 2024. Tune in as we discuss how technology and influencers can reshape the narrative around affordable housing, and share our thoughts on addressing supply and affordability in the housing market.Subscribe to BUILDCast on your favorite podcasting platform or visit us at https://buildcast.buzzsprout.com. For questions or to suggest other topics you'd like to hear more about or to learn more about Thrive Mortgage, please contact us at BUILD@ThriveMortgage.com. You can also see the video of all BUILDCast episodes on our YouTube channel at YouTube.com/ThriveMortgage. Thanks for tuning in!Thrive Mortgage is an Equal Opportunity Lender, NMLS ID #268552.

This week we welcome Renee Kelly! She is currently the Director of Boundless at Clayton Homes where she leads their Diversity, Equity, Inclusion and Belonging strategy.  She is formerly the Chief of Staff for Knox County Schools, previously served as the School Director of Emerald Academy and is the former principal of West Valley Middle School.The impact she has left on the school system and the overall community is remarkable! We are so excited for you to hear this episode. It will for sure leave you motivated and inspired. If you are looking for a Realtor, don't forget to call The Landes Team to help you buy and sell! Yvonnca LandesRealty Executives Associates865.660.1186 or 588.3232www.YvonncaSellsRealEstate.comAdrienne LandesRealty Executives Associates865.659-6860 or 588.3232Click here: https://linktr.ee/talkintnwithyvonncaTurning Knox Rental (Event Rental Services): www.turningknoxrental.comLandes Home Collection Online Store: www.landeshomecollection.comFor promotion inquires please contact Yvonnca Landes. 865-660-1186All Copy Rights are owned Yvonnca Landes and the Landes Brand ©. To gain legal access contact David Landes 865.660.6860 or theappraisalfirm@charter.netProduced and engineered by: Adrienne LandesThank you for listening! Follow us on social media! https://linktr.ee/talkintnwithyvonnca

The housing industry is witnessing a paradigm shift with the rise of modular homes. These innovative dwellings, built using prefabricated components, are challenging traditional construction methods. With their endless customization options, cost-efficiency, and sustainable features, modular homes have emerged as a promising solution for those seeking affordable, eco-friendly, and stylish housing alternatives. ON this episode of Real Estate Right Now Perry Frutiger with Clayton Homes talks to us about the potential benefits of modular homes and why they deserve attention as the future of housing.  We will address questions like: What a modular home really is. How it differs from a mobile home and stick built home, and what the[...]

Today's episode features Andrew Keel, CEO of Keel Team LLC, who shares his experience in mobile home park investing.  He discusses his approach to finding off-market deals through cold calling and the efficiencies he brings to properties through sub-metering and other improvements. Sam asks Andrew about the market sentiment in mobile home park investing and his journey from flipping houses to owning over 2,000 lots across 33 mobile home parks and 11 self-storage facilities. Andrew also explains his company's approach to adding affordable housing units to markets in need while providing great returns and tax benefits for investors. Join Sam and Andrew in today's episode. -------------------------------------------------------------- Cold Calling and Timing [00:00:00] Andrew Keel's Journey [00:01:07] Efficiencies in Mobile Home Park Investing [00:04:20] Building a Cold Calling Team [00:07:48] Forced Sellers in Mobile Home Park Investing [00:10:10] Creating Affordable Housing in Mobile Home Parks [00:11:44] The need for affordable housing [00:12:33] Community engagement in mobile home parks [00:13:36] Connecting buyers with manufactured housing [00:17:09] Building a Team [00:18:45] Creating Win-Wins [00:23:09] Contact Information [00:24:15] -------------------------------------------------------------- Connect with Andrew: Instagram: https://www.instagram.com/keelteamrealestate/ Facebook: https://www.facebook.com/keelteam6/ Linkedin: https://www.linkedin.com/company/keel-team-real-estate/   Connect with Sam: I love helping others place money outside of traditional investments that both diversify a strategy and provide solid predictable returns.     Facebook: https://www.facebook.com/HowtoscaleCRE/ LinkedIn: https://www.linkedin.com/in/samwilsonhowtoscalecre/ Email me → sam@brickeninvestmentgroup.com   SUBSCRIBE and LEAVE A RATING. Listen to How To Scale Commercial Real Estate Investing with Sam Wilson Apple Podcasts: https://podcasts.apple.com/us/podcast/how-to-scale-commercial-real-estate/id1539979234 Spotify: https://open.spotify.com/show/4m0NWYzSvznEIjRBFtCgEL?si=e10d8e039b99475f -------------------------------------------------------------- Want to read the full show notes of the episode? Check it out below: Andrew Keel (00:00:00) - they're not gonna wanna sell right when you call 'em, right? They're, you're kind of caught 'em off guard. But it's getting the details on the property, seeing how it's performing, and then following up with them because life happens. I, I, if, if this cold calling has taught me anything, it's that, hey, you know, people are one heart attack away from fire sailing their property. It's all timing and being there when you know something happens to help give them a solution, right? A, a fast exit, uh, because that's, that matters in today's world.   Intro (00:00:27) - Welcome to the How to Scale commercial real estate show. Whether you are an active or passive investor, we'll teach you how to scale your real estate investing business into something big.   Sam Wilson (00:00:40) - Andrew Keel is the c e o of Keel team llc and m h u Top 100 owner of manufactured housing communities with over 2000 lots under management. His team currently manages over 30 manufactured housing communities in 11 self storage facilities. Andrew, welcome to the show. Thanks   Andrew Keel (00:00:56) - For having me. Excited to be here, Sam.   Sam Wilson (00:00:58) - Absolutely. The pleasure is mine. Andrew, there are three questions I ask every guest who comes in the show in 90 seconds or last, can you tell me where did you start? Where are you now, and how did you get there?   Andrew Keel (00:01:07) - Started flipping houses around central Florida, uh, through a yellow letter I mailed out. I found two mobile homes, uh, uh, that, that I ended up buying and selling on contract. Ended up meeting a, a park owner and he took me under his wing and, and said, Hey, this is how you syndicate deals and raise money from investors. So now I've been doing that for seven years, and we own, uh, over 2000 lots, across 33 mobile home parks and 11 self storage facilities.   Sam Wilson (00:01:37) - Wow, that's amazing. That's absolutely amazing. Tell me, I guess, what, uh, what's the market sentiment and what it is you're doing right now?   Andrew Keel (00:01:46) - The market sentiment? You know, I think it's, uh, I think there's some, some ups and downs. You know, there's some, there's some landlords out there that have kind of given mobile home park investing a black eye, I would say from, you know, raising rents too fast and, and, and kind of, you know, predatory landlording is, is kind of, you know, going around. So there's some of that out there. Uh, but then there's good operators that are doing it the right way, right? Like, you know, rent's gotta go up, but you gotta fix that deferred maintenance, you gotta improve the properties and make 'em better. And I think there's a win-win there for the tenants and for the investors. So, uh, it's just finding the right operators. Yeah,   Sam Wilson (00:02:23) - No, that, that's absolutely right. Uh, I want to hear, you know, what, what it is that you guys are doing right now. Uh, like who is your target seller? What, what's that, what's that look like for you?   Andrew Keel (00:02:36) - Target seller is, uh, we have a, an acronym, it's called goat and it stands for Gray, old and Tired . And in our c r m we don't pursue any deals unless the owner is a gray, old and tired, uh, owner of commercial real estate, specifically mobile home parks and self storage facilities. Uh, through our sales team, we make over a quarter of a million cold calls to mom and pop owners of, uh, self-storage and, uh, mobile home parks every year. And that's where we buy all of our deals or are off market, uh, direct to owner. And, you know, we've just found that, you know, when we're buying from mom and Pops, we're able to get, you know, uh, typically better deals, but mainly we're buying properties that are not being efficiently run. And when we take them over, you know, there's very easy to see things like, Hey, having your rent roll be digital and software instead of on a yellow pad of paper. Little things that we can do to tweak the operations to make it better. And hey, if that's how they're running the rent roll, imagine what else they're doing that we could tweak to more efficiently and and increase the No, I, so yeah, that's, that's our nutshell. Yeah.   Sam Wilson (00:03:46) - And, and I think anytime, and of course the, the manufacture to housing community space, even for the last decade has certainly been undergoing its fair share of sophisticated ownership groups. Uh, in fact, I would say it's probably more on that front than maybe less at this stage, cuz it's, it's been such a hot, uh, a hot, um, asset class to be buying in. But tell me some more other efficiencies maybe that you guys see some sophistication that you can bring to the table at scale, maybe that a mom and pop owner just can't afford to do with a single property.   Andrew Keel (00:04:20) - Yeah, I mean, the big one that comes to mind is sub metering the, uh, water and the water usage, right? The under each home, you know, now there's technology out there with internet connections. The sub meters actually have internet connection and will in real time notify you of high usage. So if they go over, uh, you know, high usage, we can stop it, right? You know, very early on, instead of waiting 30 days for us to get a, uh, uh, an invoice in the mail from the water company telling us that we have a water leak because our water bill is double right. You know, we're able to just react in real time where the mom and pops, they may not even be billing back for the water and sewer. They may just be including that in lot rent. So not only were we billing it back, but we're also catching leaks earlier to, you know, reduce that potential expense.   Sam Wilson (00:05:07) - Yeah. And it's small stuff like that. I mean, I don't know what, what do those meters cost you on a, on a per home basis?   Andrew Keel (00:05:14) - Let's say 500 bucks all in with installation.   Sam Wilson (00:05:17) - Okay. But, okay, so 500 bucks, let's assume it's a hundred pad, uh, a hundred, a hundred pad park, that's 50 grand, right? And so that's right to a mom and pop owner, that's a tough pill to swallow. Like, man, you know, I don't know. That's, we, we run this park and that's $50,000 and you know, he probably had a, had a new truck in 10 years, so, you know, he's looking at a new truck or backfilling water and goes, I think I'll just take the new truck. Uh, cuz you know, if you have to choose how to spend his money, where you look at that and say, how can we not put that amount of money into these parks? It just, it just makes financial sense.   Andrew Keel (00:05:52) - Like, for example, a park we bought it had water leaks and it was losing $2,000 a month on the water sewer recapture. Wow. So if you take 2000 a month, month, it times up by 12 months gives you 24 K a year in additional expense. If you're able to, you know, add 24 K in NOI to that property and then add a seven cap, you know, you just saved $342,000 over $342,000. So to spend 50 k to make 342,000, we're gonna do that every day of the week.   Sam Wilson (00:06:26) - For sure. For sure. You call me when you have that next, uh, next, uh, you know, uh, opportunity right there. If I can do that in a year, I'll, I'll, I'll be all, I'll be all about it. Thanks, Andrew. Um, no, that's fantastic. I love that. I love that. Let's get into the, the, the 250,000 cold calls comment. I mean, that's mind boggling. Are there 250,000 self-storage and or mobile home? Are there, are there that many combined in the United States   Andrew Keel (00:06:53) - That there there's not, yeah, there's about 50,000 or so of each asset class. Okay. And obviously, you know, for mobile home parks, that number's going down every year because it's really hard to get new ones developed and the existing ones are being torn down and turned into apartments or, or something else. Uh, you know, for it's self storage is obviously being built up, you know, uh, more and more. But, uh, you know, a lot of that is recurring calls. You know, they don't pick up, you know, you're leaving voicemails, you're doing different things. But, but yeah, I think that is our niche. And you know, for example, we have a $4 million property under contract right now that's supposed to close at the end of the month, a hundred percent owner financing. Wow. At 6% and a seven year term and 25 year amortization. Okay. So like a hundred percent l t v, you know, and, and do your return metrics on that when all of the capital you're raising is for improvements. Hmm.   Sam Wilson (00:07:48) - Mm-hmm. . That's amazing. That's amazing. Awesome. And people, people will tell you that those deals don't exist, but you're, you're living proof that that, that they do in fact still exist. What's it, what's it been like, give us some insight onto building a cold calling team and even getting the deal flow and data right? Such that that team can then continue to produce those phone calls. I mean, that's, that's a whole process all itself. Yeah.   Andrew Keel (00:08:13) - Oh, it a hundred percent is, yeah. We used a, a software called Reonomy to help identify property owners and get their contact information and then, you know, really identifying the team. You know, we found that it's better to get sales guys that can work part-time because do it eight hours straight of just cold calling. You're gonna lose energy and you're gonna, by the end of it, you're not gonna be as productive. So we have, uh, a team that works part-time, you know, four hours a day, right. In the mornings typically. And, you know, they're on a dialer, so they're hitting, you know, multiple numbers at once, you know, reaching out to people and, and it's been really productive for us, you know, building those relationships, you know, hey, they, they're not gonna wanna sell right when you call 'em right? They're, you're kind of caught 'em off guard, but it's getting the details on the property, seeing how it's performing, and then following up with them because life happens. I, i, if, if this cold calling has taught me anything, it's that, hey, you know, people are one heart attack away from fire sailing their property. It's all timing and being there when you know something happens to help give them a solution. Right. A a fast exit. Uh, because that's, that matters in today's world.   Sam Wilson (00:09:18) - It, it certainly does. And I was the unfortunate recipient of some news on some deals we'd been chasing a couple years ago. And, uh, you know, the seller at that point was just hard and fast. No, no, no, not gonna do it. And then, uh, I found out today that all the whole portfolio had traded hands. And I'm like,   Andrew Keel (00:09:34) - It's my own   Sam Wilson (00:09:34) - Fault for not staying in front of them. Right. I mean, it's my own fault. Those are lessons learned the hard way where you just go, okay, you've got to, like you said, it's one heart attack away from suddenly going, Hey, we're gonna fire sale this. You know, I got three months left to live maybe and I don't really care anymore, so somebody buy it so I can go do what I want for the next 90 days. Uh, yeah. And   Andrew Keel (00:09:52) - Right now, you know, with what's going on with all these, uh, interest rate caps that people are buying and, and what happened with these variable rate loans, you know, I think, I think there's more and more forced sellers than there are, uh, you know, people that, that would desire to sell, you know, at, at the right time. So there might be some opportunity there. Do   Sam Wilson (00:10:10) - You think it's happened because it's certainly, I've seen it happen in the, um, multi-family space. I hadn't really heard or thought much about it in the manufactured housing or community, uh, space. People taking on bridge debt, bridge debt is now coming due. They need to refi, but they can't, cuz it doesn't make sense. They're, they're doing cash in refis. I mean, are you guys seeing that in your, in your, uh, asset class as well?   Andrew Keel (00:10:35) - Not a ton of it. You know, I think it's still early even for multi-family. You know, I think it, it's still early, but there were some operators out there that took variable rate loans and now are negative cash flow. And I mean, I, I've seen it, right? These CMBS lenders are vicious. They will take your property back. They want to take your property back. Right. So it, it, it's really, you know, a matter of time before we see blood in the streets.   Sam Wilson (00:11:00) - Yeah. Yeah. That's unfortunate. Yeah. And that's, uh, and again, you know, I haven't seen it a lot in the multifamily space, but certainly have heard the rumblings and have, uh, you know, talked to some lenders and people that have indicated that they're, that they are seeing that, uh, indeed occur on the, especially on the cash and refi side, on, on multi-family properties, which has gotta be a painful situation Oh. Uh, for everyone. Uh, especially   Andrew Keel (00:11:21) - Everyone, especially   Sam Wilson (00:11:22) - Your investor base. Um, so yeah, that's, uh, let's talk about the affordable housing crisis. I mean, it's something, you know, we hear that those three words put together all the time, and you're in a space that is a, like you said, it's, it's a, it's not just a constrain, but it's a dwindling supply space. So what are you guys doing on that front to preserve and or create more affordable housing?   Andrew Keel (00:11:44) - Yeah, great question. I love talking about this because, you know, this is the win-win, right? You know, we're, we're buying these properties from mom and pops who have let things kind of dwindle, right? Like, we're buying properties that are 70% occupied, you know, so there's, there's more lots sitting there, but the mom and pops just don't have the effort. Or like you said, the, the funds to go and buy homes, bring them in and set 'em up on those lots, right? So when we're able to rejuvenate a property and come in with a lot of energy and a lot of new capital, it, it just, it, it is so awesome. That is why I love doing this business because I'm able to see lives change. I'm able to add affordable housing units to markets that desperately need it. And at the same time, I'm able to create a win for our investors because they're able to get great returns on their investment and also get great tax benefits because of these, these mobile home parks.   Andrew Keel (00:12:33) - But I think, you know, still the majority of mobile home parks, like over 60% are still owned by Mom and Pops mm-hmm. , and they've just kind of used these things as a retirement vehicle and haven't reinvested into them. So, uh, that vacant lot scenario is where we're adding affordable housing units. And, you know, the, the high level econ 1 0 1 is like, hey, the supply of mobile home parks are shrinking every year. That's like unknown. Just type in, you know, mobile home parks, uh, shutting down into Google and see what pops up. It's, it's all over the news because, uh, deferred maintenance, because redevelopment, you know, you name it. And we're able to buy these properties and keep them mobile home parks and increase the occupancy so that we're adding affordable housing. And, and that just matters that, that matters because we desperately need it. Manufactured housing can be built for around $50 a square foot where site built housing is over a hundred dollars a square foot. So it's like there's a huge win here, uh, to be had. And, uh, yeah, I'm excited to be able to add to that supply.   Sam Wilson (00:13:36) - Tell me about, tell me about, um, maybe community engagement inside of your, uh, communities. What's something you guys are doing on that front? Obviously retention of your, um, residence is probably a lot easier in your space, but are there things that you're doing to really improve the, um, just kinda the holistic experience of someone living in your communities?   Andrew Keel (00:14:00) - Yeah, I think the first thing is we always have an onsite manager that is, is a tenant that lives in our park. You know, and, and just giving them that point of contact really makes it feel, you know, more like a community because they connect everybody. They're talking with everybody. Uh, that has been huge. You know, we're, we're buying from mom and pops who have self-managed Yeah. And maybe they live a couple hours away and they don't make it to the property. Uh, you know, every month where an onsite manager that's working, even if they are part-time, you know, Monday, Wednesday, Friday, you know, you know, and whatever the, the hours are. But it's just good to have someone there that they can talk to and they can work through stuff and see the options. You know, we noticed that in, uh, during c o d, you know, there was a ton of rental assistance programs, but there was no one to like hold the, the hand of the tenants and help get them signed up for these.   Andrew Keel (00:14:49) - So our onsite managers really carried that load and, and sat down on the computers and helped, helped our tenants sign up for these rental assistance programs. And, you know, that is a huge burden off of their back. Now they can spend the money that they have on food and other resources instead of needing to worry, you know, they got thousands of dollars for their rental assistance and that was just a huge help. So having onsite managers and then obviously communicating well with our, with our resident base is, is huge for us. So those are two things, community engagement wise, uh, that we make sure to do every year.   Sam Wilson (00:15:19) - Yeah, no, I think that that's really, really cool. Thank thanks for sharing the insight on that. Yeah. And having that local, that person that's right there, living one of your neighbors. I mean, I think that would be just a huge, um, just a huge thing that would really, you know, again, not just resonant retention, but but from a, a, uh, feeling like you belong there sort of thing would, would make a big Yeah. A big difference on that front. You mentioned bringing homes in. So you buy a park, use the example, you said it's 70% occupied, that means, let's call it a hundred. I don't know how many units was there, but let's just make a number up and say it's a hundred. So you got 30 open slots, you're gonna bring houses in. Are you guys then selling those to your residents? Are you using those as park owned homes? What is that? What's your plan there?   Andrew Keel (00:16:02) - Our plan is, is we want tenant owned home communities. It's just more scalable and, and we're, we want to rent out the dirt, not the homes themselves. Right. You know, a lot of people don't, don't think about this, but manufactured homes are built differently. The drywall is not the same size that the windows are different sizes, the doors are different sizes. You can't just go down to the Home Depot and get some of these materials. So you're gonna have to special order them and, and ship them in. And, you know, with the logistics issues we've had the past couple of years, that can get expensive. So we don't want to own the homes. We want our tenants to own the homes and we will sell them, uh, sometimes via like a, a, a lease option or a, you know, a, a a rent credit program where they will make monthly installments towards purchasing the home. Uh, but mostly, uh, you know, there's financing companies out there as well, like Triad and PEP Lending that will finance our tenants and then we will just, you know, get law rent.   Sam Wilson (00:16:56) - Got it. Got it. So you guys aren't even directly buying the homes, you're just connecting the buyers with the, uh, manufactured housing, uh, manufacturers. Is that right? Or are you guys buying 'em, bringing 'em in and then connecting them? Some   Andrew Keel (00:17:09) - Sometimes. But, you know, everybody likes it with a bow on top and ready to go. So, we'll, we'll actually get the homes in and there's a program called Cash Program at 21st, uh, mortgage where we, we'll buy the homes or we won't even have to buy the homes. We'll get the homes moved in, get 'em set up on the lot, and then we'll market them and then, you know, funnel, uh, interested buyers to this 21st mortgage who's a part of Berkshire Hathaway and that whole, uh, you know, Clayton Homes, you know, Warren Buffet deal and they will finance our tenants.   Sam Wilson (00:17:38) - Got it. Oh, that's cool. I like that. I like the way you put that with, everybody wants it with a bow on top, cuz that's that's absolutely true. I know here, and again, I haven't had, uh, we haven't talked mobile home parks on this show probably, uh, maybe six, seven months. So I know the last time someone came on and really dove deep into the mobile home park space, even then they were experiencing just some supply chain constraints as it pertained to getting new homes, getting things on the lots. Has any of that lessened, or what's that look like now?   Andrew Keel (00:18:06) - Yes, it has lessened, you know, it was 18 months to order a home and it wasn't come in for 18 months. It was crazy. Wow. Back in Covid and all the, you know, the logistics issues. Uh, but now we're down to about four months. Okay. So we'll order it and four months it's coming in, which is amazing. I mean, I'm, you know, very grateful for that because 18 months was just so hard. And then they, they wouldn't tell you it was 18 months. Right. They'd tell you it was gonna be 12 months. Right. And then they'd push it back and then they push it back, and then it ended up being 18 months. So imagine your proforma when you're planning on income at, at month 13, and you're not getting until month 19. So there was a lot of operators hurting at that time, but things have improved on that front.   Sam Wilson (00:18:45) - Oh, that's great. That's great. I'm glad to, glad to hear that. Yeah. That's one of those things that, uh, like you said, if it's, if it's, you can't, you can't underwrite, you know, when, when timelines aren't kept from your manufacturers, you just can't, you can't stick to it. Tell me about this. You've built a team. You've, you've gone from, I think you started in fixing flip, is that right? If I'm remembering your story correctly in the beginning Yep. Picks and flipping. Yep. Now you've grown this, this huge mobile home park, uh, or mobile home community business. You've got team members, you've got cold callers working all day. You guys are selling homes, you're buying communities. I mean, you're going like gangbusters. What is one thing you feel like you've done really well that maybe somebody that's just starting out and or you know, has a little traction should emulate   Andrew Keel (00:19:28) - Hiring overseas? Hiring overseas and siloing off, you know, tasks and then documenting really well, if, if I was gonna, you know, do it all over again, I would've done that earlier. You know, you can hire more loyal and, uh, you know, less expensive help overseas that will be, will be just fully capable and then some to execute. And, you know, I, if you can do that, I, I really think every business owner should really explore hiring some overseas help. Mm-hmm.   Sam Wilson (00:20:02) -  mm-hmm. . Yeah. Absolutely. Absolutely. When it comes to things that maybe rewind the tape a little bit and, you know, you said, gosh, I could have done this better. What are, what are some of those things that come to mind?   Andrew Keel (00:20:15) - Yeah, man, I, uh, in my early days, you know, when we were just hiring people, uh, we didn't do like a personality assessment or anything like that to see if they would actually be good in their role, uh, long term. So we had a lot of turnover, uh, because it was, hey, we, we put someone that was not detail oriented in a role that required, you know, very detail oriented, uh, personality types. So now we use a system called the Predictive Index. Mm-hmm. . And it does a, a cognitive and a personality assessment. And it's just aligned our team with the roles and we're, we're fighting. They're staying longer, they're happier, you know, because we're playing to their strengths. So that's been huge for us.   Sam Wilson (00:20:59) - Yeah. Man, what a powerful thing that is. I can, I can just speak, uh, and completely agree with you on that front. Using a personality assessment and familiar with predictive predictive index, the disc test. A lot of those, uh, you know, maybe one, one, I don't know if one's necessarily better than the other, but I've used them both. And, uh, gosh, I was even having a conversation with a new hire yesterday when I was like, wait, I can refer back to your, um, personality test that you took. And I recognize that I need to speak to you and engage with you in a different way such that you understand what it is I'm trying to say. And, and give you what you need to go do your job.   Andrew Keel (00:21:38) - And Exactly.   Sam Wilson (00:21:39) - And I, that's so powerful. It's so powerful and I so powerful. And actually this, there was a team member that we just, this is the same team member we just brought on, but I had a role, I wanted to hire this particular, I wanted to fill this role and I already knew this person. I wanted to put her in that role. She did the personality test and I said, no, but there's another kind of blended role that we can put you in that will do a little bit of those things, but fill the gap over here much more meaningfully based on your skillset. She's way happier and she's crushing it. It's like she That's awesome. No, it is awesome. So I just thank, thanks for sharing that. Cause I think if people aren't utilizing those very, and they're not expensive.   Andrew Keel (00:22:17) - No, they're not. No.   Sam Wilson (00:22:19) - And it makes all the difference in the world. So I can just testify to what you've just said as a, as a leader, um, how powerful that is when we're building out, uh, our teams on that front. So very, very cool. You, you've shared with us so much here today, Andrew, on how to build a team, talking about, you know, making 250, which is an astounding number thousand cold calls, how you guys are buying, you're buying everything offline, buying from, from, uh, you know, mom and pops, how you're bringing sophistication to the industry in this space. We didn't even get a talk about self-storage. I mean, you guys are buying in, in, in that department too. Maybe you'll have to come back on show number two and tell us how you're, how you guys are finding opportunity on that front. Is there anything else really that comes to mind today that you'd say, man, Sam, these are some things that I really wanna share with your listeners that are relevant to what we're doing and that, uh, I think will make a difference?   Andrew Keel (00:23:09) - Yeah. I would say at, at the end of the day, uh, you know, being willing to, uh, give back and, and try to create win-wins, you know, in, in your business, right? Like, uh, our, our goal is not to make as much money as we humanly can, right? At the end of the day, it's creating a win-win for our residents. Mm-hmm. . So they're happy. And by doing that, they're gonna stay longer and it's gonna be a win for our investors because they're gonna have more reliable, uh, income and, and, you know, income and distributions off of their investments. So that's, that's something I can go to bed at night and lay my head down knowing, hey, I'm doing, I'm doing good in the world. I'm adding affordable housing and I'm, I am, you know, keeping these assets as mobile home parks in, in my case, uh, where otherwise they might have been redeveloped and, and turned into something else and these people would've lost, uh, lost their homes and lost their living arrangements. So, uh, yeah, I'll just spin that way.   Sam Wilson (00:24:06) - Awesome. Andrew, thank you for coming on the show today. I do appreciate it. Certainly learned a lot from you. If our listeners wanna get in touch with you and learn more about you, what is the best way to do that?   Andrew Keel (00:24:15) - Best way to do that would be to check out my website, it's keel team.com. That's just K e E L t e A m.com.   Sam Wilson (00:24:25) - Kehl team.com. We'll make sure we put that there in the show notes. Andrew, thank you again. Have a great rest of your day.   Andrew Keel (00:24:31) - Yeah, thank you so much, Sam.   Sam Wilson (00:24:33) - Hey, thanks for listening to the How to Scale Commercial Real Estate Podcast. If you can, do me a favor and subscribe and leave us a review on Apple Podcast, Spotify, Google Podcast, whatever platform it is you use to listen. If you can do that for us, that would be a fantastic help to the show. It helps us both attract new listeners as well as rank higher on those directories. So appreciate you listening. Thanks so much and hope to catch you on the next episode.      

Today we're sitting down with the Director of Retail CX at Clayton Homes, Michael Stanton.  Clayton Homes is a Berkshire Hathaway Company that provides more homes to families than any other housing company in America. Michael's noticed, like many other experience strategists, that our inner circles are shifting. In addition to families, Clayton now sells more homes to friends, siblings, and others, who are redefining the buying experience. The questions Clayton Homes is asking are questions we should all be asking. Here are a few you might want to consider: Who is in my customer's inner circle? How is that inner circle going to participate in the buying process and the use of the product? How can we support our customers in making values-based and aspirational decisions?  How do we effectively digitize the decision-making process?      

Families with children make up 30% of the homeless population in our country. Clayton and Family Promise have teamed up to provide transitional housing and create long term solutions to help end this national crisis.Clayton's Ted Rutland and Sandy Minuitti of Family Promise tell us what it means for families and children experiencing homelessness to secure safe housing.  Links:Family PromiseClaytonClayton / FP PartnershipYes Communities

The pace of software development has increased dramatically over the past ten years and the traditional approach to application security has struggled to keep up. With modern development going from code to cloud within hours, manual security checks and  code reviews run the risk of slowing down releases and creating more tension between developers and security teams.  To reduce this friction, organizations are shifting from the traditional application security approach to a more modern approach where security policies and controls are embedded in developer workflows.  To learn more about this shift, in today's episode of the Future of Application Security, Harshil speaks to Daniel Harvey, an industry veteran with more than 13 years in AppSec. Most recently, Daniel was the Director of Product Security at InVision. Prior to InVision, Daniel worked on AppSec teams at organizations including Clayton Homes, Citi, Elavon, and Discovery.  Topics Discussed:  Daniel's shift from application security to product security  The importance of building default security features within a product  How to make product security a business enabler  The key changes in the application security landscape How to build the relationship between security and development and how to find balance in collaboration The need to map and tie code ownership to identity management systems  

Internet je plný instantních rad, jak rychle zbohatnout. Nejlepší je ale bohatnout pomalu, člověk naseká nejméně chyb, říká investor Daniel Gladiš. A přes akcie, jinde takového výnosu nedosáhnete.V aktuálním díle investičního podcastu Ve vatě jsme mapovali cestu nejslavnějších miliardářů k bohatství. Na světě žije celkem 46,8 milionu dolarových milionářů. Drtivá většina z nich pochází ze Spojených států. Elon Musk, majitel Tesly,  Jeff Bezos, zakladatel Amazonu, Bill Gates nebo Warren Buffett.„Svůj majetek získalo 48 z nich díky vlastnictví akcií nebo podílu ve firmách. Zbylí dva vlastnili firmy, které podnikaly v nemovitostech,“ zjistil Daniel Gladiš, zakladatel hedgeového fondu Vltava Fund SICAV, který studoval, na čem padesátka nejbohatších lidí světa z žebříčku časopisu Forbes zbohatla.V top padesátce nebyl nikdo, kdo své jmění vybudoval na hromadění zlata, nemovitostí a dluhopisů. Jak to? Bohatství podle Gladiše vzniká jako součet lidského faktoru a podstoupeného rizika, které se násobí naakumulovaným kapitálem.Lidská práce je gros bohatství„Každá firma je živý organismus, kde lidé prací vytvářejí hodnoty. U hotovosti nebo zlata se lidský faktor neprojevuje. Akcie jsou nejvýnosnější. Kapitál, který firmy vyrábějí, mohou dál reinvestovat do podnikání a ten výnos je mnohem vyšší než třeba u pozemků nebo dluhopisů,“ vysvětluje investor. Proto by měl člověk hledat investice, kde je vliv lidského faktoru vysoký a kde je riziko kompenzované vyšší výnosem.Kdo má na začátku vyšší kapitál, násobí ho samozřejmě rychleji. Ale třeba sám majitel koncernu Berkshire Hathaway Warren Buffett investoval do podnikání  za celý svůj život jen 100 dolarů. Dnes vlastní Geico, Clayton Homes a Dairy Queen a má podíl v Coca-Cole a American Express.Zajímá vás další obsah o investicích a osobních financích? Podívejte se do naší rubriky Finance. Ve vatě. Podcast novinářky Markéty Bidrmanové. Poslechněte si konkrétní rady investorů a odborníků na téma investic, inflace, úvěrů a hypoték. Finanční „kápézetka“ pro všechny, kterým nejsou peníze ukradené. Vychází každé dva týdny. Poslouchejte na Seznam Zprávách, Podcasty.cz nebo ve všech podcastových aplikacích. V podcastu vysvětlujeme základní finanční pojmy a principy, nejde ale o investiční poradenství. O čem byste chtěli poslouchat příště? Co máme zlepšit? A co naopak určitě neměnit? Vaše připomínky, tipy i výtky uvítáme na adrese audio@sz.cz.

Today we continue our series of interviews in partnership with Webb School of Knoxville. Each student in the Introduction to Entrepreneurship & Design Thinking course and the Honors Entrepreneurship class interviews a local entrepreneur. This episode features, guest speaker Jim Clayton, founder of Clayton Homes

Across virtually every industry, there is a massive effort underway to use fewer natural resources and more renewables. From reusable drinking straws to the insulation in our walls, we are striving for a more sustainable pathway into the future. Manufactured housing presents a unique solution that virtually eliminates waste during the building process, while also requiring less water and electricity each month.  William Jenkins is Director of Environment and Sustainability at Clayton Homes.  We sat down to discuss how Clayton is diverting thousands of tons of unnecessary construction waste from landfills, smart features that help residents save on utilities, and a sustainability pledge to plant millions of trees in 2022.Links:Clayton HomesArbor Day Pledge 

A lot about manufactured housing has changed over the years thanks to innovations in construction techniques, changing customer preferences and tastes, building codes and more. But at least one thing has remained a constant: Manufactured homes provide the most affordable entry into homeownership. Ramsey Cohen from Clayton Homes joins Ownership Matters to tell us about everything from the cutting-edge features of today's new homes to the finer points of the purchase process. Ramsey also talks about the partnership with ROC USA and Family Promise that helped deliver a brand new home to a ROC Member in Colorado. More information, including show notes and links, at rocusa.org/ownershipmatters Follow ROC USA: Twitter: @rocusaorg Facebook: @rocusa.bettertogether Follow Clayton Homes: claytonhomes.com Facebook: @ClaytonHomes Insta: @clayton Twitter: @claytonhomes

This special bonus episode continues to explore the idea of home as a personal sanctuary. We speak to two industry professionals about how manufactured housing may relieve the financial stresses of high rents and long-term mortgages. Whether you are an empty-nester looking to downsize or a travel seeking millennial, manufactured housing offers solutions that can meet any budget.Justin Despain is Business Development Manager at Clayton homes, the largest builder of manufactured housing and modular homes in the United States. He’ll walk us through the technical aspects of how factory-built homes deliver incredible quality at a buyer-friendly price point.Yes Communities' Trina Spindle helps dispel some of the myths about modern manufactured homes, as well as highlight the ways the industry has progressed over her 30 year career. Links:Clayton HomesYes Communities

This week we talk to John Weldy about energy efficiency and home affordability. We learnhow smaller homes tend to be more energy efficient, but they are penalized by currentenergy efficiency measuring systems, which make it hard to compare energy use from hometo home.The good news is, there are a couple of easy ways to know whether or not a new home willbe more energy efficient than similar models, and we talk about how consumers can protectthemselves as well as how local governments can adjust their building codes to put smallerhomes on equal footing as larger homes when energy efficiency requirementsMr. Weldy is a Purdue graduate and has been in the factory-built housing industry for 26years now. He's been the Director of Engineering with Clayton Homes since 2005. {Fortransparency, please note we are an independent manufactured home dealer that sellsClayton Homes products.}https://www.claytonhomes.com/He's a registered professional engineer on the civil and structural side in 39 States. He holdsInternational Code Council Certifications for residential inspections for all disciplines. Justfinished serving on the Department of Housing and Urban Development's ManufacturedHousing Consensus Committee, where he was the chairman of the Technical Systemsubcommittee as well as the chair of several taskforce groups. He's an active member of theManufactured Housing Institute and on the board of Systems Building Research Alliance.Relevant links to today’s conversation include:Information about ISO 14001 registration: https://www.claytonhomes.com/studio/what-is-iso-14001/Information on the Home Energy Score [HES] developed by the Department of Energy: https://www.energy.gov/eere/buildings/downloads/home-energy-scoreInformation on the Home Energy Rating System [HERS] developed by the Residential EnergyService Network: https://www.hersindex.com/hers-index/what-is-the-hers-index/Information on the Energy Star program as well as information on Clayton’s Energy SmartHome Package: https://www.energystar.gov/https://www.claytonhomes.com/studio/saving-big-with-green-energy-smart-home-packages/Finally, information from CPS Energy about energy efficiency in your home: https://www.cpsenergy.com/en/my-home/savenow/energy-saving--tips.html

This week we talk to John Weldy about energy efficiency and home affordability. We learnhow smaller homes tend to be more energy efficient, but they are penalized by currentenergy efficiency measuring systems, which make it hard to compare energy use from hometo home.The good news is, there are a couple of easy ways to know whether or not a new home willbe more energy efficient than similar models, and we talk about how consumers can protectthemselves as well as how local governments can adjust their building codes to put smallerhomes on equal footing as larger homes when energy efficiency requirementsMr. Weldy is a Purdue graduate and has been in the factory-built housing industry for 26years now. He's been the Director of Engineering with Clayton Homes since 2005. {Fortransparency, please note we are an independent manufactured home dealer that sellsClayton Homes products.}https://www.claytonhomes.com/He's a registered professional engineer on the civil and structural side in 39 States. He holdsInternational Code Council Certifications for residential inspections for all disciplines. Justfinished serving on the Department of Housing and Urban Development's ManufacturedHousing Consensus Committee, where he was the chairman of the Technical Systemsubcommittee as well as the chair of several taskforce groups. He's an active member of theManufactured Housing Institute and on the board of Systems Building Research Alliance.Relevant links to today’s conversation include:Information about ISO 14001 registration: https://www.claytonhomes.com/studio/what-is-iso-14001/Information on the Home Energy Score [HES] developed by the Department of Energy: https://www.energy.gov/eere/buildings/downloads/home-energy-scoreInformation on the Home Energy Rating System [HERS] developed by the Residential EnergyService Network: https://www.hersindex.com/hers-index/what-is-the-hers-index/Information on the Energy Star program as well as information on Clayton’s Energy SmartHome Package: https://www.energystar.gov/https://www.claytonhomes.com/studio/saving-big-with-green-energy-smart-home-packages/Finally, information from CPS Energy about energy efficiency in your home: https://www.cpsenergy.com/en/my-home/savenow/energy-saving--tips.html

Meet Kent Vaughn and David Williams:   Kent Vaughn and David Williams, co-founders of Blaze Performance Solutions.   They are also the authors the book “The 3 Keys of Execution. Simple Ideas. Extraordinary Results.” Which was recently listed #6 on INC’s Summer Must-Read Books list.   They have over 40 years of combined experiences helping 100’s of organizations improve their Performance and Results. Wal-Mart, FedEx, JB Hunt, ServiceMaster, Nissan, Honda, Toyota, Samsung, Marriott, and Clayton Homes are just a few of the clients they’ve helped over the years.   They’ve conducted over 2,000 days of Strategy & Execution Consulting, Leadership Development, and process improvement work for these organizations.   Bottom line: when it comes to improving performance, executing on your business plan or taking your results to the next level… Kent and David are two of the very best in the entire world.   More Kent and David: Website: https://blazeperformancesolutions.com/ The 3 Keys to Execution. Simple Ideas. Extraordinary Results.: https://www.inc.com/susan-steinbrecher/what-to-read-this-summer-7-books-that-inspire-change-growth-development.html   ...   Want more wisdom and happiness in your own life?   Come get that and more for FREE at InJoyDaily.com

Meet Kent Vaughn and David Williams:   Kent Vaughn and David Williams, co-founders of Blaze Performance Solutions.   They are also the authors the book “The 3 Keys of Execution. Simple Ideas. Extraordinary Results.” Which was recently listed #6 on INC’s Summer Must-Read Books list.   They have over 40 years of combined experiences helping 100’s of organizations improve their Performance and Results. Wal-Mart, FedEx, JB Hunt, ServiceMaster, Nissan, Honda, Toyota, Samsung, Marriott, and Clayton Homes are just a few of the clients they’ve helped over the years.   They’ve conducted over 2,000 days of Strategy & Execution Consulting, Leadership Development, and process improvement work for these organizations.   Bottom line: when it comes to improving performance, executing on your business plan or taking your results to the next level… Kent and David are two of the very best in the entire world.   More Kent and David:  Website: https://blazeperformancesolutions.com/ The 3 Keys to Execution. Simple Ideas. Extraordinary Results.: https://www.inc.com/susan-steinbrecher/what-to-read-this-summer-7-books-that-inspire-change-growth-development.html   ...   Want more wisdom and happiness in your own life?    Come get that and more for FREE at InJoyDaily.com

While trust and engagement are crucial to any enterprise in the best of times, at the time of this episode’s recording (March 2020), the world is struggling to deal with the COVID-19 virus, and these foundations of business and relationships are truly being tested beyond the norm.    David and Laura enjoy an insightful, engaging, and laughter-filled conversation about principle-centered leadership and employee engagement. Each share stories of companies they’ve worked with whose values – both good and less-than-desirable – are on full display in how they treat employees, their communities, and even how they engage with suppliers.    David outlines the 4 Pillars of Engagement as taught and implemented through Blaze Performance Systems when working with clients: Feeling Valued, Connected, Understanding Contribution, and Growing.    David and Laura also discuss the most common waste in business: Human Talent.    You can tell the two are in their element in this episode, as they speak from years of experience, with insight, wisdom, and obvious joy in the work they get to do with companies large and small, near and far.    David’s Bio David is an achievement-oriented professional with extensive experience in organizational development, operations management, and human resources. He has served as a Business Owner, Executive, and Leader at some of the world’s best organizations. He received his undergraduate and Master’s degrees in Human Resources Management from Liberty University and also holds a Master’s in Philosophy.   David is the co-author of the new book “The 3 Keys of Execution. Simple Ideas. Extraordinary Results,” which was recently listed #6 on INC’s Summer Must-Read Books list. He has worked in the Execution space for 15 years with organizations as diverse as Wal-Mart, Toyota, Samsung, Marriott, Clayton Homes, and HCA. Thousands of people have been touched by David’s ability to help them grow and improve their results.     David maintains a close relationship with virtually all of the clients he was worked with over the years. Organizations, when engaging David, will see immediate results.     David will be quick to tell you, there is no such thing as a former Marine. David overcame a life-threatening spinal injury while serving in the Marines and he has a love for veterans, which is motivating and contagious. He is always going out of his way to serve those who have served and spends a lot of his free time volunteering in Veteran’s homes and in the local VA Hospital.     Another thing you will find when working with David is his contagious laugh. David has an innate ability to connect with all levels in an organization and it all begins with his smile. He gets people and he is a master at getting results.    For More:  Blaze Performance Solutions David on LinkedIn 3 Keys of Execution Book

Special sales episode & inside look into the manufactured housing market. Special guests: Taylor Green, Jared Stockton & David Hart & many more from the Clayton Sales Team

The largest mobile home park owner in the U.S. is Sam Well, the Chicago based real estate magnate and Warren Buffet, who owns Clayton Homes, the largest manufacturer of mobile homes. Zell is chairman of Equity Life Style Properties and is the mobile home industry's largest landlord with over 144,000 lots and 32 states. Clayton Homes manufacturers and provides financing for new manufactured homes. --- Send in a voice message: https://anchor.fm/carmen-caboom/message Support this podcast: https://anchor.fm/carmen-caboom/support

What I learned from reading First A Dream by Jim Clayton.

What I learned from reading First A Dream by Jim Clayton.Become a Misfit today for access to all premium episodes.A list of all the books featured on Founders Podcast.

In this episode, Lee & Rhiannon sit down with Ed Duval, the Aviation Maintenance Manager at Clayton Homes for a live Webinar discussing the different facets of "change" within a flight department. Earlier this year, Clayton Homes decided to make the move to Flightdocs for their 4 Embraer aircraft. Ed gives a deep dive into the entire process, from start to finish, and highlights his concerns, how they were addressed, the process of making the move, and how the change has had a positive impact on his operation. Thanks for listening! If you're interested in watching the recorded video of the webinar, it can be found here: https://vimeo.com/manage/344795078/general

Today we had two special guests! Gretchen Lambert from Clayton Homes and Jessica Huff Director of the McNairy County Chamber and Tourism. We discussed the full schedule of events coming up for McNairy county and Bryan gets fact checked on the Scoville Scale. We hope you'll join us! https://www.facebook.com/events/2391400654458859/ Heather Land  Tickets https://www.eventbrite.com/    

Its Personal Injury & Chiropractic Day!Olivia's daughter is getting abused by her ex, Mike bought a condo with a garage listed in MLS and sold like that and now finds out he does not have the garage, Joanna has lived in this house for 9 yrs and last year a new management company took over and charging a lot of new fees, Samantha bought a manufactured house from Clayton Homes and has a lot of settling issues that they are not taking care of, a Dad's 27 yr old son bought his first vehicle and the dealership sold him $6500 in "mop-n-glow", Claudia cosigned for her sons car and she thinks he pays to much insurance, Collene is living in a storage unit after she was evicted from her apartment, this and much more.Tomorrow (Wednesday) is Siding & Window Day!

Dr. Michelli discusses how great leaders from Mercedes-Benz USA and Clayton Homes have transformed their customer experience...

Dave Schiff started his career at Crispin Porter + Bogusky, where he engineered the Coca-Cola Company's most successful new product launch in 25 years—Coke Zero—and led Under Armour's fast break into basketball. At the helm of Made, Schiff has helped Lyft triple rides, transformed Berkshire's Clayton Homes from a value brand to an arbiter of modern design, re-introduced Under Armour to its hometown, Baltimore, and made Mozilla's flagship Firefox browser relevant again, stealing significant share from Google Chrome.

Welcome to episode 20 of the Park Street Partners’ Mobile Home Park Investors podcast, hosted by Jefferson Lilly and Brad Johnson. Today we have a very special podcast, because not only we have the first interview on the show but also because it’s with industry legend Jim Clayton. The interview was recorded live at the Annual Manufactured Housing Institute Show in Las Vegas last week. Stay tuned to hear what Jim had to say about the future of mobile home park investing, estate planning, ESOP, the competitive advantage offered by Clayton Bank and Trust,  the future of manufactured housing, and even Jim's thoughts on Donald Trump vs. Hillary Clinton!     Key Takeaways: [1:06] Jim started Clayton Homes which became America’s largest mobile home park manufacturer. He took that company public & ended up selling it to Berkshire Hathaway through Warren Buffett, for about 1.7 billion dollars. [1:57] The Park Street Partners have borrowed money from Jim’s bank & have been very happy with their relationship with Clayton Bank and Trust. [2:26] We encourage you to reach out to Clayton Bank and to Kevin Clayton who is the President. [2:41] Jim wrote an autobiography titled First A Dream, which turned out to be the catalyst for his deal with Warren Buffett. [3:58] How did Jim get into the mobile home park investing business? [5:12] How much of a plan did Jim have when he first started dealing in mobile homes? Was he surprised by his success? [5:41] How did Jim transition from dealing in other people’s used homes to getting into manufacturing? [7:16] Jim Started Pre-HUD manufacturing, so he could basically design a house any way he wanted. [9:46] How did financing a mobile home work back in the 1960’s? [10:52] Clayton Bank and Trust, compared to other banks, will lend on both the land itself and the chattel park-owned homes offered. [12:27] What’s Jim’s take on the future of manufactured housing as it relates to the debate on nicer communities with stick-built housing vs. nice, clean, safe & affordable housing for families? [14:19] When and how did Jim first meet Warren Buffett? What was he like to deal with when Jim was considering selling Clayton Housing to Buffett?  [17:51] What sort of due diligence did Warren Buffett do? [18:54] Jim’s advice to folks that might consider investing in the mobile home park business now – Jim is extremely optimistic! [20:25] Do you think that the GSEs will eventually start buying and guaranteeing these loans for financing? Depends on Donald Trump vs. Hillary Clinton! [21:15] When Jim sold his business to Warren Buffett, he could've easily retired – So what possessed him to keep working? [24:18] What advice does Jim have for Jefferson and Brad and their passion for mobile home park investing? [25:29] More about the industry legend, Jim Clayton and key takeaways from the interview.    Mentioned in This Episode: Park Street Partners www.parkstreetpartners.com Mobile Home Park Investors www.mobilehomeparkinvestors.net deals@parkstreetpartners.com Park Street Partners - Investment Opportunities Park Street Partners - Resources Mobile Home Park Investors Mobile Home Park Investors Group on LinkedIn Send your deals to: deals@parkstreetpartners.net Clayton Bank and Trust First a Dream by Jim Clayton Pre-HUD Manufacturing Warren Buffett Berkshire Hathaway Manufactured Housing Institute

Buy a new Clayton home and receive gift cards from Lowe

Buy a new Clayton home and receive gift cards from Lowe

We discuss Warren Buffett, Clayton Homes, mortgage lending and Fannie Mae.

Clayton Homes is pumping up the savings through the end of the year.

Medicare, cybersecurity, favors for banks, mortgages, IRS bullying, a tax cut for the rich, and a couple of good ideas are highlighted from the law and bills that passed Congress in April. Please support Congressional Dish: Click here to contribute with PayPal or Bitcoin; click the PayPal "Make it Monthly" checkbox to create a monthly subscription Click here to support Congressional Dish for each episode via Patreon Mail Contributions to: 5753 Hwy 85 North #4576 Crestview, FL 32536 Thank you for supporting truly independent media! Laws H.R. 2: Medicare Access and CHIP Reauthorization Act of 2015 Sustainable Growth Rate (SGR): Enacted in 1997, the SGR paid doctors for Medicare patients based on the growth in gross domestic product (GDP). If Medicare costs increased more than GDP, doctors payments were cut across the board. According to the American College of Physicians, this formula for payment has meant that the Medicare payment rate to doctors is essentially the same as it was in 2001 and cuts have been postponed so many times that doctors' payments would have been cut by 21% if this bill was not signed into law by April 1. This new law: Repeals the Sustainable Growth Rate formula for Medicare payments to doctors. Increases payments to doctors by 0.5% through 2019 while the payment rate transitions away from a pay-per-service model. The new system will be based on scores assessed by a "Merit-based Incentive Payment System" which will be created by the Secretary of Health and Human Services which will go into effect on January 1, 2019. A list of "quality measures" will be posted every November and doctors can choose which one's will be used in their performance assessments. Doctors will be rated and paid based on a performance score from 0 to 100, which will take improvement into account starting in the second year of the program. The GAO will report on the effectiveness of the system by October 1, 2021. An advisory committee will be created to propose alternative payment models, which will be lump sum payments to group practices and medical homes. Sets a goal for Medicare records to be electronic nation-wide by December 31, 2018. Extends a bunch of existing Medicare programs, including the Children's Health Insurance Program (which covers low income kids whose parents make too much for Medicaid) for two years. Doubles the length of Medicare administrator contracts from five to ten years. Expands nationally a prior authorization requirement for "repetitive scheduled non-emergent ambulance transport" Prohibits the printing of social security numbers on Medicare cards Pays for the new system by... Denying access to policies with no out of pocket costs to people who enter Medicare after January 1, 2020. For all future beneficiaries, they will have to pay at least $147 per year (the cost of the Medicare Part B deductible). Increasing the premiums for relatively high income individuals. People who have a gross income between $133,501 and $160,000 ($267,000 and $320,000 for a couple) will pay a 65% premium instead of 50%, and people above that will pay an 80% premium rate. This would increase with inflation beginning in 2020. Has a huge increase in the levy that the Treasury Department can impose on tax delinquent service providers, increasing it from 30% to 100%, effective on October 16, 2015. Will have auditors distribute information about improper payments to help reduce the number of them. Creates a paper-free option for Medicare notices, saving mail fees. The effect this bill will have on the budget will not be counted. The Congressional Budget Office (CBO) estimates this bill will increase the budget deficit by $141 billion. Passed 392-37 in the House and 92-8 in the Senate Sponsored by Rep. Michael Burgess of Texas 95 pages Bills H.R. 1731: National Cybersecurity Protection Advancement Act of 2015 For reference, here's the text as of March 2015 of the Homeland Security Act, which is amended by this bill. This bill: Adds "private entities" to the list of groups that will be part of the National Cybersecurity and Communications Integration Center, which coordinates information sharing between the Federal government and other entities. Adds new groups to the list of who will be included in the National Cybersecurity and Communications Integration Center who will coordinate with all sizes of businesses. Expands the type of information that the National Cybersecurity and Communications Integration Center will share between the Federal government, local governments, and private sector. Authorizes the National Cybersecurity and Communications Integration Center to share information internationally. Requires the government and businesses to use existing technology to "rapidly advance" implementation of "automated mechanisms" for sharing between the National Cybersecurity and Communications Integration Center and Federal agencies. Participation by non-Federal entities will be voluntary. Agreements that exist before this bill is signed into law will be deemed compliant with this law. All participating entities need to take "reasonable efforts to remove information that can be used to identity specific persons". There's no listed punishments if they don't. The Under Secretary for Cybersecurity and Infrastructure Protection will create policies for governing the use of information shared with the National Cybersecurity and Communications Integration Center 180 days AFTER the bill becomes law. He/she will also be responsible for creating "sanctions" for government employees who disregard his/her privacy policies. Private entities that share information will have immunity from lawsuits, if they share information according to this law. If the Federal government breaks this law, it will have to pay the person actual damages or $1,000, whichever is higher, plus attorneys fees. There is a two year statute of limitations. This law will trump state laws that limit information sharing. The law would sunset 7 years after enactment. Passed 355-63 in the House Sponsored by Rep. Michael McCaul of Texas 60 pages H.R. 1560: Protecting Cyber Networks Act Contains the text of H.R. 1731: National Cybersecurity Protection Advancement Act Within 90 days of enactment, the Director of National Intelligence must develop procedures for sharing classified "cyber threat indicators" with "non-Federal entities" Allows cybersecurity monitoring of government systems to be privatized Allows "non-Federal entities" to share information to with anyone other than the Defense Department. The entity sharing information must "take reasonable efforts" to remove personally identifiable information on people "not directly related" to the cybersecurity threat. The President will develop polices governing what happens to information received by the Federal Government, within 90 days of the bill becoming law. The Attorney General will create policies relating to privacy and civil liberties, within 90 days of the bill becoming law. A new branch, with 50 or less employees, will be created within the Office of the Director of National Intelligence called the Cyber Threat Intelligence Integration Center, which will "serve as the primary organization within the Federal Government for analyzing and integrating all intelligence possessed or acquired by the United States pertaining to cyber threats." Information shared with the government is exempt from public disclosure. Information given to the government "shall not be subject to a rule of any Federal department or agency or any judicial doctrine regarding ex parte communications with a decision-making official." The government can keep and use information given to it to investigate, prosecute, prevent or mitigate a threat of "death or serious bodily harm or an offense arising out of such a threat" and to investigate, prosecute, prevent or mitigate a threat to a minor. The information can also be used to prevent, investigation, disrupt, or prosecute fraud, unauthorized access to computers and transmission of information taken from it, "serious violent felonies" including murder, manslaughter, assault, sexual abuse, kidnapping, robbery, carjacking, extortion, firearms use, firearms possession, or attempt to commit any of these crimes, espionage including photographing or sketching defense installations, and theft of trade secrets. Passed 307-116 in the House Sponsored by Rep. Devin Nunes of California 121 pages H.R. 650: Preserving Access to Manufactured Housing Act of 2015 Changes the definition of "Mortgage originator" to exclude mobile home retailers who take mortgage loan applications, negotiate loans, or advise consumers on loan terms (including rates, fees, and other costs) This exempts mobile home dealers from licensing, registry, a law prohibiting payment based on the terms of the loan, regulations prohibiting steering customers towards loans they can't repay or with excessive fees, regulations prohibiting mischaracterizing a customer's credit history, regulations prohibiting the mischaracterization of the appraised value of the home, or steering a customer towards a loan that's more expensive than others that they qualify for. Increases the interest banks can charge people buying a home for under $75,000 without the loan being labeled as "high-cost", which subjects the loans to Consumer Financial Protection Bureau regulations. The regulations this would exempt the loans from: Ban balloon payments, which is an oversized payment due at the end of a mortgage Prohibit banks from charging prepayment penalties and fees Restrict late fees to four percent of the payment that is past due Bans fees for loan modification Require banks make sure the loan can be repaid before offering it Prohibit banks from recommending that a customer default on a loan Require that banks receive a confirmation that the customer has received homeownership counseling before they accept a high-cost mortgage. Would allow banks to charge $3,000 or 5% in fees for loans under $75,000, whichever is greater. Current law says banks can charge 5% for loans over $20,000, so the $3,000 fee option would hit the smaller loans the hardest. Passed the House 263-162. Rep. Walter Jones of North Carolina was the only Republican no vote. The bill would be vetoed by President Obama. Sponsored by Rep. Stephen Fincher of Tennessee He took $15,150 from Clayton Homes for the 2014 election, his #4 donor and Clayton Home's #1 recipient of funds. Jeb Hensarling, the Chairman of the House Financial Services Committee was Clayton Homes #2 recipient in 2014, giving him $8,750. 4 pages H.R. 685: Mortgage Choice Act of 2015 By changing the definition of what charges count as "points and fees", this bill... Reverses a Dodd-Frank requirement that charges for title insurance be counted as points and fees if they're paid to an affiliate of the bank/creditor that issued the loan. Currently, points and fees can not be greater than 3% of the loan amount, which include fees charged by affiliated settlement providers. Every thing that gets exempted from counting as "points and fees" therefore becomes additional charges the lender is allowed to tack on to a mortgage. Exempts money held in escrow for insurance from being considered points and fees, which exempt insurance charges from the fee caps. The change in definition allows more fees to be charged to mortgages, while keeping those mortgages from being classified as "high-cost" and being subject to greater restrictions. This is a zombie bill from the 113th Congress; it passed by voice vote on June 9, 2014. Passed the House 286-140. Rep. Walter Jones of North Carolina was the only Republican no vote. Sponsored by Rep. Bill Huizenga of Michigan His top three contributing industries are - in this order - Insurance ($273,265), Real Estate ($218,175), and Commercial Banks ($193,000). 4 pages H.R. 299: Capital Access for Small Community Financial Institutions Act of 2015 Federal Home Loan Banks are privately owned cooperatives, funded by the global credit market, which provide money to local banks. There are twelve of them around the country and they are owned by the member banks. Most local banks are members of least one Federal Home Loan Bank. Allows privately insured credit unions to become members of Federal Home Loan Banks if they are FDIC eligible or are certified by the State. If the State doesn't get to it in under 6 months, the application is deemed approved. Zombie bill from the 113th Congress Passed the House by voice vote Sponsored by Rep. Steve Stivers of Ohio His top three contributing industries over the course of his four year Congressional career have been Insurance ($898,858), Commercial Banks ($534,622), and Securities and Investment ($502,098). 6 pages H.R. 1259: Helping Expand Lending Practices in Rural Communities Act Orders the Consumer Financial Protection Bureau to create an application process for people or companies to have their location designated as "rural" This would allow residents to become eligible for certain mortgages and exempt lenders from regulations intended for urban areas, according to Phil Hall of National Mortgage Professional Magazine Sunsets after 2 years. Zombie bill from the 113th Congress Passed the House 401-1. Nydia Valazquez of New York was the only no vote. Sponsored by Rep. Andy Barr of Kentucky He has taken $333,800 from the Securities & Investment industry during his 3 years in Congress. 4 pages H.R. 1195: Bureau of Consumer Financial Protection Advisory Boards Act Creates paid advisory boards for the Consumer Financial Protection Bureau made up of bankers Places limits on funding for the Consumer Financial Protection Bureau Passed the House 235-183, with 4 Democrat Ayes and 5 Republican Nays President Obama would veto the bill Sponsored by Rep. Robert Pittenger of North Carolina His #4 and #5 contributing industries are Securities & Investment and Commercial Banks; he's taken a combined $189,450 during his 3 years in Congress 7 pages H.R. 1314: Ensuring Tax Exempt Organizations the Right to Appeal Act Became the vehicle for Trade Promotion Authority in the Senate Creates an appeal process for organizations that are denied tax-exempt status Would apply to decisions made on or after May 19, 2014. Passed the House by voice vote Sponsored by Rep. Patrick Meehan of Pennsylvania 4 pages H.R. 1026: Taxpayer Knowledge of IRS Investigations Act Gives the Treasury Secretary the option of telling organizations if they are investigating a claim of unauthorized information disclosure by a government, if the investigation substantiated their claim, and if any action, including prosecution, is planned. Passed the House by a voice vote Sponsored by Rep. Mike Kelly of Pennsylvania 3 pages H.R. 709: Prevent Targeting at the IRS Act Allows the IRS to fire employees who steer and audit for a political purpose or for personal gain. Passed the House by a voice vote Sponsored by Rep. James Renacci of Ohio 2 pages H.R. 1104: Fair Treatment for All Gifts Act Makes gifts made to 501(c)4 "social welfare" groups, 501(c)5 labor and agricultural groups, and 501(c)6 business groups (including chambers of commerce, real-estate boards, and professional football leagues) tax exempt. Passed the House by voice vote Sponsored by Rep. Peter Roskam of Illinois 3 pages H.R. 1058: Taxpayer Bill of Rights Act Tells the IRS Commissioner to "ensure" that IRS employees are "familiar with and act in accord" with a list of "taxpayer rights" including The right to be informed The right to quality service The right to pay no more than the correct amount of tax The right to challenge the position of the Internal Revenue Service and be heard The right to appeal a decision of the Internal Revenue Service in an independent forum The right to finality The right to privacy The right to confidentiality The right to retain representation The right to a fair and just tax system Passed the House by a voice vote Sponsored by Rep. Peter Roskam of Illinois 3 pages H.R. 1152: IRS Email Transparency Act Prohibits IRS employees from using personal email accounts for official business Passed the House by a voice vote Sponsored by Rep. Kenny Marchant of Texas 2 pages H.R. 1105: Death Tax Repeal Act Repeals the estate tax for anyone who dies after the bill is signed Repeals the generation-skipping transfer tax, which is a tax on gifts and transfers of wealth to unrelated people who are more than 37.5 years younger than the donor, or to related people who are one generation younger. Would lower the top gift tax rate from 40 to 35 percent. The effects of this on the budget would not be counted. The CBO says this would increase the deficit by $269 billion over the next 10 years President Obama would veto the bill. Passed by 240-179 Sponsored by Rep. Kevin Brady of Texas 7 pages H.R. 622: State and Local Sales Tax Deduction Fairness Act Permanently extends the law that allows taxpayers who itemize their claims to deduct their state's sales taxes instead of getting a deduction for their state's income taxes. The effect of this bill on the budget would not be counted. CBO says this would increase the Federal deficit by $42 billion over the next ten years. President Obama would veto the bill. Passed the House 272-152. Rep. Walter Jones of North Carolina was the only Republican no vote Sponsored by Rep. Kevin Brady of Texas 2 pages H.R. 1562: Contracting and Tax Accountability Act of 2015 Stops Federal agencies from contracting with companies that are tax delinquent A waiver can be issued and the contract granted if a report is submitted to Congress saying that the contract "significantly affects the interests of the United States" Passed the House 424-0 Sponsored by Rep. Jason Chaffetz of Utah 9 pages H.R. 471: Ensuring Patient Access and Effective Drug Enforcement Act Makes the Attorney General list specific laws and regulations that a drug company is accused of violating in their notices to the companies regarding the possible suspension of their drug's registration. Allows drug companies to submit a "corrective action plan" when their drug registration may be suspended Passed the House by a voice vote Sponsored by Rep. Tom Marino of Pennsylvania His top contributing industry for the last election was the pharmaceutical industry; they gave him $55,250. 6 pages S. 971: Medicare Independence at Home Medical Practice Demonstration Improvement Act Increases the length of Medicare contracts for at-home care from 3 years to 5 years Passed the Senate by a voice vote Sponsored by Senator Ron Wyden of Oregon 2 pages H.R. 373: Good Samaritan Search and Recovery Act Clarifies that search and rescue volunteers are not Federal volunteers and are not entitled to Federal compensation. Releases the government from liability for allowing search and rescue teams onto Federal land so that they won't have to get insurance. The government as to approve or deny a request for a search and rescue mission within 48 hours. Passed the House 413-0 Sponsored by Rep. Joe Heck of Nevada Rep. Heck introduced the bill in response to the murder of Keith Goldberg; the search for his body in the Lake Mead National Recreation Area was delayed because the search team needed a special use permit and a $1 million insurance policy. It took 10 months to get the insurance; his body was found 3 hours after their search began. The National Association for Search and Rescue and the National Park Service, however, don't think access is a problem. 6 pages S. 304: Motor Vehicle Safety Whistleblower Act Protects the identity of whistleblowers who provide information relating to motor vehicle defects or other dangerous safety problems. Allows the government to give up to 30% of the fine collected from a car company that breaks the law to the whistleblower whose information lead to the conviction. The whistleblower is not allowed to be represented by a lawyer. Passed the Senate by a voice vote Sponsored by Senator John Thune of South Dakota Senator Thune has taken over $380,000 from the automotive industry 11 pages S. 984: Steve Gleason Act of 2015 Starting in 2016, Medicare would cover speech generating devices. Allows people to own their speech generating devices (as opposed to renting them) if purchased between October 1, 2015 and October 1, 2018. Named after former NFL football player Steve Gleason, who played for the New Orleans Saints before being diagnosed with ALS Passed the Senate of a voice vote Sponsored by Senator David Vitter of Louisiana 3 pages Hearings Rules Committee: April 13 on HR 650 and HR 685, about housing bills. Rules Committee: April 21 on HR 1731 and HR 1560 on Cybersecurity House Committee on Financial Services: March 18 hearing on deregulation for banks titled "Preserving Consumer Choice and Financial Independence" Information Presented in This Episode Article: 'Doc fix' headed to president's desk after easily clearing Senate by Paul Demko, Modern Healthcare, April 14, 2015. Article: The mobile-home trap: How a Warren Buffett empire preys on the poor by Mike Baker and Daniel Wagner, The Seattle Times, April 2, 2015. Article: MBA's Mortgage Action Alliance: A Message from MAA Chairman Fowler Williams by Fowler Williams, National Mortgage Professional Magazine, June 11, 2015. Article: U.S. Bank Profits Near Record Levels by Robin Sidel and Saabira Chaudhuri, Wall Street Journal, August 11, 2014 Article: Bureaucracy hindered search for slain brother by Anjeanette Damon, USA Today, March 8, 2014. Webpage: About the National Cybersecurity and Communications Integration Center, Department of Homeland Security. Webpage: Team Gleason Press Release: Rep. Kelly Introduces Taxpayer Knowledge of IRS Investigations Act Additional Information Kickstarter: Explore Campaign Finance App by Soloman Kahn. Jen's Podcast Appearances Episode 66: Talk Nerdy with Cara Santa Maria Episode 42: Podcast Junkies with Harry Duran Music Presented in This Episode Intro & Exit: Tired of Being Lied To by David Ippolito (found on Music Alley by mevio) Ask Your Doctor by Neal Fox (found on Music Alley by mevio) Thank you by Ben Willmott (found on Music Alley by mevio)

In the beginning of the episode, Jason announces that for his 500th Creating Wealth show he will have Guy Kawasaki on as a guest. Please look forward to that episode on Wednesday. On the podcast, Jason answers a couple of listener questions and talks about how Clayton Homes is using deceptive practices and fooling home owners. He also reminds his audience that the Memphis property tour is coming up and that his team has booked a dinner at Graceland where his property tour attendees may get a chance to see Elvis Presley himself! Please visit JasonHartman.com for more information on the property tour.    Key Takeaways: 1:30 – Guy Kawasaki will be the 500th guest. Look forward to listening to it on Wednesday.   6:00 – Jason plays and answers a listener question.  16:30 – Jason answers another listener question about how he allocates his investment funds.  23:50 – You can now have Jason as a silent partner in your real estate deals.  34:00 – Some deceptive practices have been happening at Clayton Homes.  40:20 – Remember the hamburger that was created in a lab a couple of years ago? Well, it costs $11 to make today.    45:50 – Don't forget about the Memphis property tour. Go to JasonHartman.com for more info.  Mentioned In This Episode:   http://www.seattletimes.com/business/real-estate/the-mobile-home-trap-how-a-warren-buffett-empire-preys-on-the-poor/

Clayton Homes

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