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Home Ownership Is Too Important To Do Nothing!
Much has been written about who should bear the blame for the current real estate and mortgage crises.  Some have levied blame at the borrowers while others have levied blame at unscrupulous mortgage brokers.
I  for one have levied most of the blame on the big Wall Street Investment houses that bundled non conforming mortgages into something called "Collateralized Debt Obligations" (CDOs) and then put makeup on this pig by getting them rated investment grade by companies such as Moody's.  
Some have expressed opinions that we shouldn't be worried about who's "fault" it is, that we should worry about what to do about the problem.  Others have written that we shouldn't do anything about the problem and leave it to the so-called "free markets" to work out on it's own.  Well, for one, I do think that we should be worried about who's fault it is so that we can take steps to assure ourselves that this mess can never be repeated.  In this effort we need to be very aware that not all is as it appears. 
That there are players with vested interests moving behind the scenes to take advantage of situation.  Such is my opinion on HR 3915, a bill ... more

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