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I believe that in order to get through this housing debacle there needs to be not only incentives provided to loan givers but a change in the mind of home owners as well.  Home owners need to sacrifice that for a while, most likely a long while, there isn't going to be the liquidity of housing (instant buying and selling) that there once was.  You won't be able to find buyers for your home, and most likely won't be finding buyers that are willing to pay the prices that you value your home at.

This is why incentives to reorganize home mortgages is so important.  Home owners need to stabilize themselves and reformat their loans in a way that is payable a sustaining.  Doing this will open up and potentially help the credit freeze as creditors find themselves in situations where their lendees are at least paying something back to them, rather than having to default and foreclose their property.  I view this to be a slow change, but as the lenders reorganize the loans they have given out so the lendees are able to pay, they will see their profits come in and be able to open themselves up to other potential lendees as well.  Patience is the ultimate virtue right now.

posted 4 years, 3 months ago
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When it comes to civility in discussion I think the best attribute individuals can have in any topic of debate is to be unfaltering in your values and your opinion given the information you have.  The purpose of the debate is to help gather more information that may help change or manipulate your opinion, not necessarily to give in or only propose your idea.  In debates that I have with peers I use their facts an information to look into my own opinions.  Civility in conversation doesn't mean falling down in the middle and comprimising everything, but showing the other person that their opinions and information are valuable to you in a way that you can use those opinions and information to format future ideas on the subject.  There may not be a settled conclusion at the end of any debate.

posted 4 years, 3 months ago
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