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{ 4 comments… read them below or add one }

Corny Bob October 6, 2008 at 1:23 am

Pretty much sums up the deal. You just forgot to mention that it was folks with a “D” beside their name that forced this program down the financiers throats.

Reply

Marvel Goose October 6, 2008 at 2:33 pm

Humor writing requires that you pay a lot of attention to the structure. Naming the character a Dem or Rep would have gotten in the way of what I was doing — setting up the punchline and being mildly humorous on the way there. Some people would not be able to get past the labels, so I left them out. I left the “department” amorphous for the same reason.

The D people certainly were the drivers behind the affordable housing policy, however; the R people were in charge of Congress when the time came to fix the deal in 2002 and 2005. Fanny and Fred purchased enough soft R’s to keep their game going.

The reasoning behind affordable housing is flawed. The proponents looked at nice, stable neighborhoods and then choatic, poor neighborhoods and decided that home ownership was the difference between the two. The reasoning ran: If homeownership means stability then the more homeowners you create in a poor neighborhood, the better things will be.

The flaw was in focusing on the *thing* and not the people. Stable PEOPLE who pay their bills on time and save up enough for a down payment on a home create stable neighborhoods. Chaotic people who are alway just on the edge of disaster often create neighborhoods just like themselves. Housing does not create neighborhoods. The people inside the houses do.

The only voice crying in the wilderness on this for 10 long years was the Wall Street Journal Editorial Page. They had it nailed from the start.

Reply

Mr.Awesome October 6, 2008 at 7:18 pm

i agree completely

Reply

Corny Bob October 6, 2008 at 10:48 pm

Well crafted response. Very well thought out.

Merrill – 1
Corny Bob – 0

Reply

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