Thursday, July 16, 2009

Making Homes Affordable?

The Making Homes Affordable program funded by the $787 billion stimulus Bill excludes people that own manufactured homes. I think this is unfair. After all, these people pay mortgages, taxes and insurance too. Lower income people, including the working poor, single parents, the elderly and the disabled, happen to live in manufactured housing and have been intentionally excluded from receiving mortgage assistance provided in the Stimulus Bill. That's right! You will be denied assistance simply because of the type of home you own.

The people that "played by the rules" and lived within their means are being penalized as they fund this bail out. Instead of purchasing a 3500 square foot custom home with a three car garage they couldn't afford, these Americans opted to live in affordable manufactured homes. As a result of the greed, irresponsibility and excesses of others, the economy tanked, forcing many of these people to get by on much less. The government has essentially abandoned every one of them. The media has gone to great lengths to make sure the public never hears of this aspect of the program. All we see are faceless numbers.

One may even go as far to say that the Making Homes Affordable program is racially biased. Economically challenged White People are often stereotyped as living in trailer parks or referred to as "trailer trash". The media wants us to think that these are the type of people that end up on the Jerry Springer Show. The term "trailer trash" was actually used by some so-called “well to do” people (probably pro-diversity Obama voters) at a Maricopa Unified School District meeting a few months ago. It seems that people that live in the newer subdivisions didn't want their kids going to the same school as the kids that live in the mini-farms area (my neighborhood). Many of the local residents were offended, and rightly so.

Jeff Foxworthy, a well known comic, frequently makes references to White People that live in manufactured housing as "rednecks". Regrettably, I once helped fuel this stereotype by taking a date to the gun show. I won’t do it again.

The current administration has effectively legislated many White People out of the "Stimulus Package". This should come as no surprise. As far as the government is concerned, the people that pay the taxes should never ever enjoy any of the fruits of their labor.

The Association Community Organizers Reform Now, better known as ACORN, has a website complete with links where homeowners can request assistance with their mortgages. On two separate occasions, I entered my information and upon submitting that information was advised that somebody would contact me in a couple of days to review my situation.

After three months, I have yet to hear from ACORN. I also called their toll free number and left a message. After many weeks, my call has yet to be returned. I determined that calling that number was a pointless waste of time. If you want to listen to a recorded message, ACORN's phone number is: 1-866-67-ACORN. My email to Bertha Lewis also went unanswered. I do, however, get email requests from ACORN asking ME for help on a regular basis.

One would think that a group that receives (maybe even ran off with) billions of taxpayer dollars should at least answer their phones and return messages. I guess that was expecting too much. Perhaps. I should drop by their local office and see if it’s a vacant lot or boarded up building.

And it happens that. . .

ACORN has received much criticism for allegedly participating in voter fraud in numerous states across the country. Can we really trust them at all?

I really wasn't looking to modify my mortgage. My place is still worth a lot more than my purchase price and I can almost smell the smoke from my upcoming mortgage burning party. I was curious to see if getting mortgage assistance was as easy as the "usurper" in the White House made it out to be during his telepromptered speeches. Those speeches where he said help was on the way. When it comes to politicians, empty promises are the norm. “Hope is for dopes” is the lesson I learned from this experiment.

The greedy bankers are the one’s still getting rich as Americans continue ‘feeding the pig‘.

I personally don't approve of the government spending "free-for-all" and feel that nobody should be bailed out. On the other hand, it appears that this money is going to the wrong people.

The average American isn’t all that good with math and cannot comprehend billions, trillions and bazillions. In algebra and calculus class, we removed the zeros and used exponents. Imagine exponential numbers on our future currency. “Do you have change for a 10 to the 6th power? With many people counting out ‘change’ from a jar at the end of the month, those sort of numbers have little meaning.

If you want to waste some time. . . .
Information: Need urgent help? Contact the Homeowner’s HOPE Hotline: (888)995-HOPE.

Ask a question and this is what you get:

Thank you for your submission. Due to the high number of submissions, we cannot guarantee that all questions will be answered. To see if your question has been answered, check this page frequently.

So much for the urgency. You may as well hand the drowning man a glass of water.

"It's not about banks. It's about people."
--Barack Hussein Obama

Great words, but who did he give the money to?

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