There are few guarantees in life these days. It is...as it has always been.....challenging. There are those who choose to accept the challenge, and, there are those who choose not to accept. those who acept will have victories and defeats, while those who do not accept will know only defeat. I may lose a few battles here and there, but in the end, the victory will always be mine because i did not surrender, i did not retreat. I have known great sorrow and overwhelming joy; I have lost those closest to me suddenly, and I have gained the future with the birth of my daughter Anna. One dream destroyed and one dream restored. of these two things.........I choose joy, I choose a dream restored. I will always have hope, lve, faith, joy peace and someday.......patience. I am a better man today than i have ever been, but I still have much work to do. The things that used to be of utmost importance to me are now, mostly of secondary importance; some not important enough to remember. What is important to me now, will forever be important to me, because I chose to accept Christ Jesus as my saviour. Life is still uncertain in many respects but the victory will always be mine. This is me, imperfect me, and I walk through the same valley that many Americans walk; the loss of income and the potential loss of our home.

 

"It's just a house" someone once told me, houses are empty buildings; homes have love and life uncertain in them. A home is a far better place than a house, and, by itself, this place isn't a large or grand house, but it is a grand home. i simply need to find someone with common sense that works at the mortgage company, like a lot of other folks. We need to find that one person who has both the authority and the common sense to give us a hand up, not a hand out. A great many of us could keep our homes if our mortgage companies started using common sense instead of greed to guide them. i have treid for almost three years to just get the term of my first mortgage extended, at the current market value of my home. Considering the fact that it is our money that these banks received to prevent the total collapse of the banking system,(so they say); and since in a foreclosure the bank will lose 40 to 50% of the value, wouldn't you think that the banks would be willing to rewrite the loans, extend the terms and actually make a little money instead of losing value in a foreclosure?

 

I wonder if the majority party would consider an amendment to the "stymulus" bill (misspelling intentional) to require, no.....force banks to do this? It makes perfect logic to me. Instead of a massive amount of empty houses that they've lost money on, and will continue to lose money on, you have homes, full of love and life uncertain; homes that now, albeit at a lower rate, you are making money on? Now, that my friends, is taking care of "main street". Has either party even thought about this? As i understand it, the banks get to write the losses off on their taxes, and if they can't....I'm sure Congress could fix that also.

 

Where is the common sense we expect from our business and political leaders? It seems to be a very rare commodity in these days of life uncertain. Common sense is not in Washington, common sense is here, with us...the common people;  a common people uncommonly afflicted with rampant corruption and greed in Washington and on Wall Street.  It is our fault for not being wise enough to elect good people and not being wise enough to remove those who no longer listen to us.

 

This act of common sense would cost very little money and help mitigate the foreclosure crisis; allow banks to regain profitability; allow homes to remain homes and not become houses...empty of love and life uncertain; restore confidence in our government and in Wall Street, and, keep a lot of our neighborhoods from being mini "ghostowns"...targets for vandals and thieves.

 

Congressman Space, are you listening? Is anyone in Washington listening? Wall Street, banks, mortgage companies...can you still make a market decision not based on greed, but on the common good...for the benefit of all?

 

It is common sense that will extricate us from this mess, not cold cash.