Important Information For Mobile Homeowners FEMA (Federal Emergency Management Agency) May Not be there for the Uninsured

Everyone hears so much about FEMA coming to the aid of people who have lost their homes and belongings during a disaster, that they may be under the impression that they do not need homeowners’ insurance because FEMA will be there. Think again.

In the event of a natural disaster, it is important to understand that FEMA benefits are based around helping the insured, and survivors with homeowners’ insurance are the ones who may be eligible for FEMA assistance.   Insured homeowners and renters whose home or personal property sustain damage from a natural disaster, should first file a claim with their insurance company, and then register with FEMA.

Insured survivors may be eligible for assistance with losses and needs not covered, or those in excess of their policy coverage.   The programs offered by FEMA are intended to meet individual basic needs, and to help people get back on their feet.    FEMA is not a substitute for personal property and insurance coverage, and cannot pay for all losses caused by a disaster.

Another important reminder to mobile home owners. When insuring your home, be sure to insure it for replacement value and what it will cost to replace the home.   In addition, you will be responsible for cleaning debris off of your site and those costs could be significant.  Do not risk not having adequate homeowners insurance coverage.


Thankful Thanksgiving Wishes

Thanksgiving Day is a national holiday in
the United States, and Thanksgiving 2018
occurs on Thursday, November 22. In 1621,
the Plymouth colonists and Wampanoag
Indians shared an autumn harvest feast that
is acknowledged today as one of the first
Thanksgiving celebrations in the colonies.

For more than two centuries, days of thanksgiving
were celebrated by individual colonies
and states. It wasn’t until 1863, in the midst of
the Civil War, that President Abraham Lincoln
proclaimed a national Thanksgiving Day to
be held each November.

In many American households, the
Thanksgiving celebration has lost much of its
original religious significance; instead, it now
centers on cooking and sharing a bountiful
meal with family and friends.

Turkey, a Thanksgiving staple so ubiquitous
it has become all but synonymous with the
holiday, may or may not have been an offer
when the Pilgrims hosted the inaugural feast
in 1621. Today, however, nearly 90 percent of
Americans eat the bird—whether roasted,
baked or deep-fried—on Thanksgiving,
according to the National Turkey Federation.

Other traditional foods include stuffing,
mashed potatoes, cranberry sauce and
pumpkin pie. Volunteering is a common
Thanksgiving Day activity, and communities
often hold food drives and host free dinners
for the less fortunate. n


How to Avoid Common Scams Online

According to a report from the Federal Trade Commission (FTC), millennials are particularly more vulnerable to online scams than seniors, as shocking as it may seem. The research finds that “40 percent of adults age 20-29 who have reported fraud ended up losing money in a fraud case”. But when people aged 70+ had a loss, the median loss was much higher.

Email scam awareness

Email scams, also called phishing scams, are becoming increasingly common as fraudsters come up with new tricks to try and steal your personal information and bank details.  In some cases, the emails have malicious software attached which can infect your computer, tablet or mobile with a virus.

What is a phishing scam?

Phishing when a cybercriminal contacts you out of the blue and convinces you to hand over your personal information or money or gets you to download a virus that infects your computer. Phishing is a play on the word ‘fishing’ and usually happens over email, but can also happen through texts, social media or phone calls  Are you curious to know what are the most common ways to easily fall victim to a malware attack or phishing scams? It usually happens when you:

  • Shop online
  • Check your email addresses
  • Access your social media net

Here are five ways to avoid common scams:

  1. Delete Unsolicited Emails. One of the best ways to avoid email scams is to delete unsolicited emails. Legitimate companies will never send you pertinent information by email.
  2. Don’t Believe Promises of Money or Prizes. Any email or social networking link that promises free money or prizes should be dismissed, as these are almost always scams.
  3. Never Disclose Sensitive Personal Information. Any person who sends you an email asking for sensitive information, such as your bank account number or Social Security number, is up to no good. No matter what they promise you, mark the email as spam and move on.
  4. Filter Spam. Many email programs have the spam blocking or junk mail filter, if you are using online email services like Gmail, Hotmail or Yahoo be sure these features are active; also, you will reduce the amount of undesirables messages in your Inbox.
  5. Hover Before You Click. Whenever you receive an unsolicited email asking you to “click here,” beware – even if it sounds like a legitimate company. The same goes for social networking links that take you to what appear to be login pages. These may be, in fact, sites designed to steal your information.

Stolen, leaked or compromised passwords

The latest version of a worrying scam is using details from one of the recent pastes of stolen information. They are inserting your name and a password that is associated with your email address from a hacked site into the email.

Enter your email address on and see where your info had been stolen from. Then make sure you change the password (s) on any site listed and any other site where you have used the same password.

Never, EVER use the same password on different sites. Always use a different password for each site you log in to. Don’t use simple passwords, like your name, your husband’s/wife’s, your boyfriend’s/girlfriend’s, your dog’s or cat’s name. Always use a strong password with a mixture of letters and numbers and different characters. Something like jenny, Rover, 12345, 54321, password, login or similar words are absolutely useless. You need something like TsfE£%9& to stop them being guessed.  It is strongly recommended to use services like 1Password or LastPass to keep and create safe secure passwords.


Federal Trade Commission

Living in an Old Mobile Home? Why not Buy a New Manufactured Home?

So many of the homes in mobile home parks date back to when the parks were built in the 1960’s and 1970’s. It may be time to consider replacing your older mobile home with a new modern manufactured home. New manufactured homes are better built and offer many cost saving features such as modern appliances, installation, better windows and much more. And, the best news of all is that there are a wide range of models, manufacturers and price ranges to choose from.

To learn more about modern manufactured homes visit the California Manufactured Housing Institute’s website at or call CMHI at (951) 683-4053.

You may also want to contact a knowledgeable and experienced manufactured home dealer such as Manufactured Housing Educational Trust member Advantage Homes. Visit the Advantage Homes website at for more information.

Why Get Your Flu Shot and other Facts

It’s never too early to start preparing for flu season, and that’s exactly what the Centers for Disease Control and Prevention (CDC) is urging Americans to get their vaccines for the 2018-19 flu season by the end of October. Last year, seasonal influenza hit epidemic levels for 16 straight weeks and more than 700,000 people were hospitalized.

Everyone over 6 months old should get a flu shot. Children under the age of 5, adults over the age of 50, anyone pregnant, and those with chronic health conditions are especially at risk for severe influenza infection.

People should know that the flu shot can’t cause a person to get the flu. This has been demonstrated in several randomized controlled trials, said Dr. Judy Tung, an internal medicine physician at New York-Presbyterian Hospital. “Part of the reason why the flu shot is never 100 percent effective is because the flu virus is tricky and undergoes antigenic drifts (or genetic changes) all the time, forcing us to try to keep pace with these changes with annual vaccine updates. Drifts can happen within a season which renders the vaccine less than effective,” she explained. CDC announcement stated that this season’s vaccines have been updated to better match circulating viruses. Last year’s vaccine was not well matched, reducing the effectiveness to about 36%. Another perk to getting a flu shot, even if you’re not at high risk for the flu, is that it protects you and the people around you.


Manufactured Housing Educational Trust Takes Position to Oppose Proposition 10 Statewide Ballot Measure

The Manufactured Housing Educational Trust is a non-profit trade association of mobile home communities.  It is dedicated to promoting mobile home parks and the manufactured housing industry.   At a recent meeting the organization took a position to oppose Proposition 10, which will be on the November 6, 2018 ballot.

While the proposition does not directly impact mobile home parks and manufactured housing communities, it impacts housing costs and availability, which is very important to all Californians.  Included among the reasons the Manufactured Housing Educational Trust is opposing Proposition 10 are that it will drive up the cost of existing housing, it exposes taxpayers to the risk of millions in legal costs and it adds tens of millions in new costs to local government.


Carbon Monoxide Poisoning Kills

Every year, over 400 people die in the U.S. from accidental carbon monoxide (CO) poisoning.  Carbon monoxide is an odorless, colorless gas, which can cause sudden illness and death.  It is produced any time a fossil fuel is burned including natural gas or propane.

Carbon Monoxide poisoning is entirely preventable. First, install a CO detector in your mobile home in a central location.  They are relatively inexpensive, but you do need to check the batteries every six months or so,

Below are additional steps on how to recognize and prevent CO poisoning:

  1. The most common symptoms of CO poisoning are headache, dizziness, weakness, nausea, vomiting, chest pain and confusion. People who are sleeping or who have been drinking alcohol can die from CO poisoning before ever having symptoms.
  2. Never leave the motor running in a vehicle parked in an enclosed or partially enclosed space, such as a garage.
  3. Never use a charcoal grill, hibachi, lantern or portable camping stove inside your mobile home, RV or tent.
  4. If you suspect CO poisoning, call 911 or a health care professional right away.

Sources: Center for Disease Control and Prevention

National Center for Environmental Health



Being Water Wise in Drought Conditions

In beautiful sunny California, drought conditions are all too familiar.  Here are some water saving tips to help us conserve as much water as we can:

LaundryWhen doing laundry, always wash full loads or adjust the load size if you have a more modern efficient machine.  Conventional washers built before 2011 typically use about 40 gallons per load; resource-efficient washer may use as little as 15 gallons per load.

DishwashingIf washing dishes by hand, fill the sink with water rather than continually running the tap.  If possible, Install an efficient dishwasher. Selecting a new dishwasher that uses less water per cycle will reduce household water use.  Dishwashers use less water than handwashing, particularly if you limit pre-rinsing. Only wash full loads of dishes in the dishwasher

FaucetsFind and fix any leaky faucets.  A faucet leaking 60 drops per minute will waste 192 gallons per month, that it is equal to 2,304 gallons per year.   And, remember, turn off the faucet when lathering hands, shaving, or brushing teeth.

LandscapingIf an irrigation system is used, make sure it is properly set up and maintained.  Use native plants or plants that require little water to thrive in your region.  Keep soil healthy and add mulch to prevent water loss through evaporation.  If watering with a hose, make sure it has a shut-off nozzle.  Water in the morning to prevent water loss due to evaporation. Never let the water run from your landscaping and under your mobile home.  It is important to keep the area under you home dry if at all possible.

ShowersIf it takes a long time for hot water to reach the shower, use it as an opportunity to collect water for other uses, such as watering house plants.  Take Shorter Showers.  Reducing a 10-minute shower to 5 minutes will save 12.5 gallons of water if the showerhead has a flow rate of 2.5 gallons per minute (even more if the showerhead has a higher flow rate).

ToiletsReplace toilets installed before 1992 with High Efficiency Toilets.  Some older toilets may use as much as 7 gallons per flush.   Check toilets to verify they are working properly.  A running toilet can waste hundreds of gallons of water per day.



Health Experts Warn About the Dangers of Ash

Wildfires are burning throughout California, and health officials are warning residents in burn areas to take precautions when cleaning up ash that has fallen on to their property.  Depending on where the ash comes from, it can be toxic.

Ash from burned homes may contain more toxic substances than forest fire ash because synthetic materials such as metal, chemicals and asbestos are present.  If this ash is breathed in or touched with wet skin, it can enter the bloodstream and cause major health problems.  Wet ash can also cause chemical burns.

Public health officials said residents should not clean up ash while it is still falling. Once it is safe to clean up, ash should be moistened before it is wiped or swept up to avoid stirring up harmful dust.  Also, wiping dry ash from a vehicle can scratch the paint.

If you have to clean up ash, wear a well-fitting dust mask to avoid breathing in particles, and wear gloves, a long sleeve shirt and pants to avoid skin contact.  If you do get ash on your skin, wash it off as soon as possible.

Sources: OC Register and the California Air Resource Board

Volcanoes and California

The recent volcanic activity in Hawaii should alert Californians to be prepared for disasters.  Although most Californians are not aware, there are seven active volcanoes that pose a threat to California.   The probability of an eruption is unknown, but the likelihood of a major earthquake is always a threat.

The seven active volcanoes in California consist of two threat levels:  “Very High” and  “High”.  Three volcanoes in Northern California are in the “Very High” range, and four are in the “High” range; two in Northern California, one in Central California and one in Southern California by the Salton Sea.

Volcanic eruptions will occur in California in the future, and the one thing these eruptions have in common with earthquakes are short warning times.  We need to always be prepared, and have the following items stored in a disaster preparedness kit:

  1. Water: One gallon per person per day
  2. Food, for at least 3 days
  3. Radio
  4. Flashlights
  5. First aid kit
  6. Extra batteries
  7. Whistle
  8. Dust mask
  9. Wipes or toilettes
  10. Wrench or pliers
  11. Can opener
  12. Cell phone

In the event of a disaster or emergency, it is your responsibility as a homeowner and mobile home park resident to be prepared  to take care of yourself and your family.   If you or someone in your family requires electricity for life support equipment, be sure you have a back up generator available as well.