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President & Publisher . . . . . . . . . . . . . . . . . . . . . . .Jim Visser STAFF Office Manager & Associate Editor . . . . . . . . . . . . .Shelia Stiner Circulation Manager . . . . . . . . . . . . . . . . . . . . . . . .Shirley Visser Photography . . . . . . . . . . . . . . . . . . . . . . . . . . . .James Visser, Jr. National Modular Sales Consultant . . . . . . . . . . .Melissa Bishop Contributors Political And Associations . . . . . . . . . . . . . . . . .Danny Ghorbani MH Association for Regulatory Reform Development Finance, Marketing & Retailing . . . . . . . .Ed Hicks Service & Set-Up . . . . . . . . . . . . . . . . . . . . . . . . . . .George Porter Sales Marketing . . . . . . . . . . . . . . . . . . . . . . . . . . .John Graham Modular Consultant . . . . . . . . . . . . . . . . . . . . . . . . . .Scott Stroud Community Consultant . . . . . . . . . . . . . . . . . . . . . . . .Frank Rolfe Community Law . . . . . . . . . . . . . . . . . . . . . . .Hart King Law Firm Volume 34 Issue 9. THE JOURNAL is sent monthly. All rights are reserved. Permission to reprint given only upon written request. The Journal is solely owned and operated by J & S Publishing Inc. and is not affiliated with or run by any outside organization. It is solely supported by advertising and is dis- tributed to industry related businesses throughout the United States. Any questions or comments should be forwarded to Jim Visser, President and Publisher at 706-655-2333. POSTMASTER: Send address changes to THE JOURNAL, P.O. Box 288, Manchester, GA 31816. E-Mail: news@journalmfdhousing.com Web Page: www.journalmfdhousing.com Mailing Address: P.O. Box 288 Manchester, GA 31816 Shipping Address: 1069 Judson Bulloch Road Warm Springs, GA 31830 THE SEPTEMBER 2014 VOL. 34 NO. 9 September 2014 The Magazine For Manufactured & Modular Housing Professionals THE OURNAL J RV/MH Hall of Fame Inducts Class of 2014 \ 6 inancial ocu$ F F 2014 \ 15 J OURNAL contents class of 2014 RV/MH Heritage Foundation inducts the class of 2014 in RV/MH Hall of Fame. 6 mharr viewpoint Danny Ghorbani discusses a second chance to do the right thing. 14 2014 financial focus This section features financial companies and the programs they offer. 15 community consultant Frank Rolfe discusses community owners behaving badly. 22 marketing consultant Scott Stroud discusses calculating customer lifetime value. 24 community law Patrick Bruno discusses effective use of workplace violence petitions in MHCs. 26 sales marketing John Graham discusses the right tactics to improve sales performance. 28 get it quick Find out information on advertisers in this issue. 29 classified section Find items for sale, job opportunities, plus much more. 30 The ONLY Monthly Industry Magazine! ABOUT THE COVER This month's cover photo is courtesy of Style Crest Products. Don't Miss Out... Reserve your ad space now. Call 706-655-2333 The Magazine For Manufactured & Modular Housing Professionals F inancial F ocu$