You’ve gotta keep control of your time, and you can’t unless you say no. You can’t let people set your agenda in life. - Warren Buffett

If you buy things you do not need, soon you will have to sell things you need.

You know ... you keep doing the same things and you keep getting the same result over and over again.

Because we are the largest lender in the manufactured homes sector and are also normally lending to lower-and-middle-income families, you might expect us to suffer heavy losses during a housing meltdown. But by sticking to old-fashioned loan policies — meaningful down payments and monthly payments with a sensible relationship to regular income — Clayton has kept losses to acceptable levels. It has done so even though many of our borrowers have had negative equity for some time.