Friday, February 29, 2008

Heritage Tree Ordinance Part 3

Some residents say we do not need any ordinance, that there is no problem with clear cutting property. Even lawyers suddenly do not remember definitions of words like unwarranted when facing the complexity of a simple ordinance.

I would ask this: Do you live next to a clear cut lot that was built out and now, as a direct result, have water problems? I have talked directly to residents who do now have water problems, and they do live next to, or near, property that has been clear cut and built out. It is not a coincidence: it is a direct connection.

Since it did not happen to me, there is no problem, and no need for a solution, is a novel, but not new, way to look at things.

Trees are irrefutably linked to reduction of flooding. To think otherwise is to deny the suns' rise in the east. The village is asking taxpayers to shell out $340 million to fix all the past water flooding problems caused by innocent ignorance and willful irresponsibility. To then not try and minimize future problems in even the smallest way is fiscally and socially irresponsible.

Thursday, February 28, 2008




I am an alumni of Northern Illinois University.
Three of my many classes were held in Cole Hall.

My sympathies and prayers go out to those families
and friends who had loved ones there that sad day.

Saturday, February 23, 2008

Heritage Tree Ordinance Part 2

"Go away. We're busy."

The Village Manager and staff have decided the “Heritage Tree Ordinance” (HTO) is not going to happen right now. Unless someone on council takes exception to it, it will be left on the back burner. That is too bad. We need a responsible, moderate, heritage tree ordinance now, so we can measure and adjust it if needed in the future.

First and foremost, this is not a case of the Village barging in and stealing property rights. Why? Because we do not have a problem with tree removals outside of construction. We should not fix what is not broken. This is not a property rights issue. Residents consistently rank protecting and maintaining trees and tree canopies as a top concern.

A decently written conservative HTO for private property should only affect trees on private property in four situations:
1) If a demolition permit is requested;
2) If a major addition is undertaken;
3) If a new subdivision is planned (not likely anymore); and
4) As part of the Planned Unit Development process.

Trees have a very real fiscal and environmental function and impact. Trees affect air quality, reduce the urban heat island effect, reduce energy demands, assist with stormwater management, benefit public health (emotional and physical), and have a positive economic impact on property values in a community.

Trees make money.

Trees are good business. Very large trees are very good business. Large trees increase property values. Ask any realtor: all other things being equal, which sells for more; house with big trees, or house with no trees? It is not a coincidence that many realtor initiated redevelopment projects save trees where they can. Big trees add a sense of permanence and quality to any home. A McMansion set in big trees looks less like a McMansion.

Maybe a realtor can add a comment on that, but one of the reasons we have higher property values is the tree canopy.

Trees save us from ourselves.

6CO2+5H2O = C6H10O5 + 6O2
Read Part 1 for more. The conversion of carbon dioxide to oxygen is extremely efficient. Plugging the numbers into the equation, 600 gallons of water that a big tree can absorb in one day, about 2 ½ tons, combines with about 7 ½ tons of carbon dioxide and gives off about 5 ½ tons of oxygen, transpires a variable amount of water as water vapor (why it is cooler under the tree) and adds a ton or so to the weight of the tree above and below ground. Did I mention trees are huge carbon sinks?

Quit stalling.

Staff does not feel staff is up to this right now. Come back in six months. That's stalling. Nothing will have changed in 6 months. The village will be neck deep in construction, up to their eyeballs in anothger excuse to do nothing. This relates directly to our poor current building and construction codes. I would urge the council to direct staff to do a bit of multitasking, and come up with a modest proposal that covers the four points outlined above. It would require only minor modification of the original proposal written over three years ago. Staff does not have to reinvent a totally new ordinance. They have even done the homework of looking at the key features of more than a dozen other cities and villages that already have this type of ordinance. We do not need a grand slam home run, we just need to get on base.

We do not need perfect that covers every contingency, we need a solid ordinance that gives us a starting point, that gives the village a mechanism to preserve trees that should be preserved, that clearly lays out expectations of builders, that protects trees that have been around for far longer than we have, and have every right to be around far longer than we will.

Sunday, February 17, 2008

Heritage Tree Ordinance (Part 1)

6CO2+5H2O = C6H10O5 + 6O2

Trees take in carbon dioxide and water, both things we have too much of here in DG, fix the carbon to the water to make...more tree (cellulose), and exhale the remaining oxygen. Most trees have root structures that are wide and shallow to gather nutrients and water, and maybe some soil based carbon. A fully grown tree can absorb up to 600 gallons of water in a 24 hour period. Once the soil surrounding a root structure has been flooded or saturated, that ability is greatly diminished; that is why many trees die if their surroundings get too wet.

Some trees, like swamp oaks, red maples, river birches, keep soaking up water whether or not the ground is saturated. They adapted to the marshy lowland prairies where we now live. Willows are the midwest champs for soaking up water, but they grow fast and are weak, and tend to fall over in high winds.

Shade trees have expansive canopies for several reasons; to collect gaseous carbon dioxide (greenhouse gas), to collect sunlight as the trees' power source for the chemical reactions, and to transpire out the oxygen and excess water vapor.

Oak, maple, hickory, can get very big and live a long time. There are many in Downers Grove over 100 years old, very large, usually over two feet in diameter at chest height (Diameter Breast Height, or DBH). They do a lot for us besides keep us in shape picking up fallen sticks and branches every spring and raking leaves every fall, and providing homes for birds and squirrels and other wildlife. When Pierce Downer moved here, he set up his homestead near a grove of trees. No trees, no Pierce Downer, no Downers Grove.

By blocking direct sunlight and transpiring water vapor into the air, trees provide a cooler shaded area. A big enough tree shades one or more homes, effectively reducing energy costs to cool a home in summer. They act as wind breaks, reducing energy costs of heating in winter. They soak up water, reducing the effect of heavy rains. They slow the movement of water run off. They clean up water by acting as a natural filter. They exhale oxygen into the air. In a village with stormwater problems that cost many millions to fix, and in a world obsessed with global warming and greenhouse gases, that matters.

In 2005, the village enacted specific measures to protect public and parkway trees. Proposed by the Village Forester, it was a direct response to development killing trees, primarily by damaging the root structure and the tree trunk. Before, trees were in the way; now, trees must be protected to their drip line with a chain link fence, and no materials or vehicles can damage them.

At that time, the Village Forester also proposed similar protections for "heritage" trees on private property that were deferred for future consideration. In a few weeks staff will bring council a "heritage" tree ordinance that will effect large, mature trees of a specific type, size and age. Last time, two years ago, the proposal was fairly extensive and ambitious.

Most communities use a tree preservation ordinance as a tool when working with developers. Rules and requirements are clearly set down in writing so there is no misunderstanding of the expectation and intention to preserve large "heritage" trees. Builders in communities that have such an ordinance cannot simply clear cut properties and then design a project. Instead, there is a survey of trees on the property, and, in meetings with staff, decisions are made regarding what happens to the "heritage" trees.

What matters is trees help us and contribute to the desirability, the livability, of the village as a whole. We will lose our ash trees to the Emerald Ash Borer: a certainty that is no longer a discussion topic for all but the most grossly uninformed. That 18.6% of our public tree canopy goes away is not trivial; ash trees are efficient helpers that will not be replaced for many years. We have no more margin for error. We need all of our trees, or as many as we can keep to help our village through the next 40 years: not just trees on public land, all trees.

There has been significant talk by residents about what such an ordinance should and should not do; whether it is needed or not. Everyone likes trees, but a tree ordinance that crosses over to private property collides with personal property rights. No one wants government interfering with their personal lives, wants being told what they can and cannot do on their own property.

When the village publishes the green sheet information on February 22 we should have a better idea of the scope and purpose of the proposed ordinance.

Thursday, February 14, 2008

Interview With Mayor Sandack

Note: This started as an offshoot of discussions and postings here and at DGreport.com. I specifically would like to thank everyone who participated with questions, whether I used them or not.

We all can have different opinions, but in the end we all have something akin to affection for the village we live in: that is why we care, and that is why we share common ground.

Mayor Sandack, thank you for participating in this on-line interview, and let’s jump right in.

What do you see as the top three agenda items for 2008 now that stormwater is being addressed?

Storm-water implementation; other important capital projects like roads, sidewalks and water-lines; Village budget; and the Belmont Underpass (yes, I know that’s four).

What’s been the toughest campaign promise to follow up on?

The revised ethics ordinance was fairly challenging as there was some spirited debate. But that’s a good thing—high-minded policy discussion is what our Village deserves on important matters.

Is your leadership style more like:










Seahawks QB Matt Hasselbeck, or Captain Jean luc Picard?

Why would anyone suggest these two?

What is your early take on the PACE circulator plan?

Conceptually it is interesting. But from a financial perspective I believe it may well be impossible to implement without being cost prohibitive. I am not jumping to any conclusions and will wait for all of the information. Admittedly, I am skeptical it is doable as conceived.

What’s your favorite beer at Emmitt’s?

1 a.m., and the other ale (can’t remember its name).

Do the people you work with ever razz you about being a mayor?

Sure. That’s natural, isn’t it?

Will we ever see a Belmont underpass?

I believe so and am working feverishly on it. See the article I wrote for The Grover if you want a thumbnail sketch of the history and present status.

Thank you, Mayor, that ends our interview…and now,

The Lightening Round! 20 Questions!!!

1. Ready?

No. But have at it.

Correct.

2. Mayor of Woodridge?

Mayor William F. Murphy.

Correct.

3. What item was purchased for fire and police vehicles in 2006, but that the village hopes never get used?

AED’s Automated Electronic Defribulators. If they get used that means it’s a life and death situation. They been used successfully and they are affectionately called the “George Board” after my friend, George Nicholaou.

Correct.

4. Population of Downers Grove?

50,616 give or take.

Correct.

5. Airspeed of a fully laden swallow?

African or European?

Correct.

6. Who said “The great thing in this world is not so much where you stand, as in what direction you are moving.”?

Oliver Wendell Holmes

Correct.

7. What kind of car do you really want?

An American well-used one. My wife rides in luxury, not me.

Incorrect. You want a used Yugo with racing stripes.

Wait, no I don’t…

8. Think you will ever grow your beard back?

That depends. My wife prefers that I don’t so it may not re-appear.

Correct.

9. Mayor of Lombard?

William J. Mueller.

Incorrect, Lombard does not have a Mayor, they have a Village President.

That’s a trick question.

Correct.

10. Sox or Cubs?

People who know me well know the answer. Pass.

Correct.

11. When was the last time you saw a liar with his pants on fire?

Never?

Correct.

12. Is U of I the best school ever or what?

Yes.

Incorrect. School of Rock is the answer I was looking for.

13. If you were Matt Hasselbeck, and council was your offensive line, how many times would you get sacked by the NY Giants?

Many times.

Correct.

14. What is it about Chad Walz?

Chad, who?

Correct.

15. How many TIF Districts in Downers Grove?

Two.

16. How many alternate fuels does DG use in their fleet?

Four

17. How many eggs in a half dozen?

Six

18. What number comes after 7?

Eight

19. Who do we appreciate?

Quite a few, my family, friends, our village…

Correct.

20. Will you accept this certificate of good sportsmanship for the first ever DGreport official officials interview?

Can’t. That would violate our ethics policy. Thanks anyway.

Correct.

17 out of 20 correct with one bonus correct question. That sets a very high bar for the next official interview. Your pick: who would you like to see next?

Is it okay if I get back to you on that?

Sunday, February 10, 2008

Are Blogs The Knife That Cuts Too Deep?

Everyone has read or been involved in lack of government transparency at some time in their life. Why didn’t someone tell me? When were they going to tell us? What reasoning went into this? Why? WHY?

In 2007, I was point in a skirmish with our local government over a lack of transparency, of deliberate opaqueness. This was the C&D issue; you would have to be deaf dumb and blind not to know about it. I gave up on the demand for transparency when the outcome was favorable.

Although many credit me with a so-called win, I do not know what went on to change every council members vote. I want to think it was me; that my sheer tenacious diligence won them over, but I know better. My efforts would have been useless without help behind that opaque curtain, help that changed the direction and outcome. The village acquiesced to what had become a combined resident/business community concern over the issue, but I was not sure how it happened.

During the whole time, I blogged furiously about everything I learned, everything I researched, everything I thought about. I ended up with a cacophony of a blog site, markthoman.googlepages.com, that was out of sequence, jammed with information, hard to follow, and packed with facts, presentations, commentary: a wild and woolly assault on not only the villages mistaken attempt to short circuit the EPA, but on orderly discourse, and rational organization. More than one friend said it was so hard to follow, it itself was guilty of not being transparent because of the effort it took to sort through it all.

What about blog transparency? I have been at the table in the blog backroom with Elaine Johnson, EJ as her site followers call her, creator and driving force behind DGreport.com. I cannot speak to her reasons for starting it, but it started during the 2006 election cycle. That contentious election, for mayor, for 58, and for 99, got people talking like never before. DGreport provided a public house on-line setting where candidates responded to questions that in turn were commented upon by any and everyone who wished. EJ also pumped out commentary and reports on politics and other topics, and any and all could have equal say.

At the same time, Bill White started up Wired Grove. He had multiple pages for different topics, and had a set of rules for posting that forbade personal attacks. There are still some posts up, in particular exchanges between Wes Jaros and a sock puppet, and Bill White, where the sock puppet ignores proper behavior, and an exchange between Bob Lemke and Phil Labat that shows the type of acrimony that ran as an undercurrent to the 99 campaign.

Bill attempted to impose fairly strict rules on his website, yet the only posts of any consequence were the aforementioned comment shouting matches. The site was poorly attended by candidates, most of whom failed to respond to his fairly straight up requests. His insistance an strict behavior, and those requests failing to hold, may have kept involvement down. The site has been 'dark' since May of last year.

On DGreport, EJ started out with similar restrictions, but was very adamant about her belief in free speech, and spoke directly to the need for manners and responsibility in "Runaway Train" where she picked her ideas and desires apart in front of her readers. She asked that people not get carried away with personal attacks, and was pretty much ignored by everybody, including Bill White from Wired Grove. The knives came out quick and often, and they cut away at both mayoral candidates failure to act on problems in their four and eight years on the dais. Proxies for both candidates traded blows on a regular basis.

A key difference for DGreport was the single main page topic track, and the (added later) single DGtalk track that made posting more concentrated, and easier to figure out. Some of those early topic starters had pretty sharp edges. EJ has kept DGreport.com up and running, adding news and commentary ever since, in addition to her column in the Sun, and her job as Mom. That is a lot of work for one person.

EJ is concerned that her blog, her baby, has become for too long too rough a playground. I sympathize with her concern. Some of the rough and tumble of the election has continued; not much, but what has continued, the most vitriolic, has bled into several discussions where it does not belong, and that is enough to cause concern. The knives have come out, and the cuts still get personal. Where EJ had sought exemplary transparency, she was, in some cases, getting oblique postings, sometimes near accusation of ulterior motive against some elected officials, in particular Mayor Ron Sandack and Commissioner Sean Durkin. At the same time many posters who appeared to use their real names seemed to drop off, leaving a core of real named, and a cast of anonymous, posters.

AP stopped taking any comments to their news stories years ago. The Tribune just recently ended comments on political topics. AP couldn't handle the amount of anonymous negative feedback to their articles, especially about the middle east. The Tribune never seemed to moderate at all; on-line article anonymous comment responses often descended into name calling.

Part of the implied deal when a site shingle gets hung out is that good and bad are part of the mix, and it is up to the moderator to act as sheriff. At DGreport, it is EJ's ‘e-village’ and she is the law. If you cannot live with that, move on.

I support my local sheriff, and I like the e-village. DGreport.com has some rough parts to it but it is growing up, and posters are growing up or moving on. As near as I can tell, most are growing up.

I’ve also been in the email back room with Mayor Sandack, talking about the propriety of anonymity and attack posts, about his desire for fact over fancy, of content and character over baseless rumor and ‘drive-by’ character assassination. These are legitimate concerns, and there are examples of both, the good and the bad, on DGreport.

I support my local mayor, and I like the village. Sandack has gone on public record in support of what he calls ‘ a fearless political environment’. As near I can tell, from personal first hand experience, he has walked the walk as we butted heads over procedure and intent on the C&D issue, and as we have talked about blogs and on-line commentary.

Sandack and Johnson are not alone nor incorrect in sizing up DGreport as a potential minefield for local government officials. Commissioner Martin Tully, as I have noted before, is one who has successfully negotiated this minefield on several occasions. I’m not surprised; he is a lawyer and a litigator. Part of his day job is successfully navigating legal minefields in the courtroom, with the other side’s litigators lobbing legal mortar shells at him as he does it. He chooses his words carefully, and makes considered comments.

Contrast that with, say, me. Ready, aim, fire, becomes ready, point in general direction, fire, check accuracy, aim, fire for effect: a mutated six sigma that usually has a misstep or two, but once I get zeroed in, I saturate that target.

The posts on DGreport vary from ready, aim, fire, all the way down to just FIRE! With no getting ready, no aiming, no concept of what the intent or outcome might be. That needs to change. As part of the growing process, posters whether they use their real name or not, need to up the goal of their comments and posts, myself included. That doesn’t mean we all become Dostoevsky, or Goethe, but that means we take a moment to consider the blowback of what we might say.

Contributions to discussion of topics and issues that effect us all can come from the dais, from the blogs, from the citizen groups, from the business community; I do not know them all. It takes time, it takes effort, it is worth it, and Elaine Johnson is trying to get a handle on it so it is fair; so that it does not result in posts and comments that hit too personal and that cut too deep. Does a poster make a point, or is it slashing and stabbing without thinking?

Acceptable: “I can’t believe Thoman thinks the shuttle should stay.”
Unacceptable: “Thoman is scum currying the favor of shuttle commuters.”

The difference, I hope, is obvious.

Acceptable: “Thoman’s actions are those of an arrogant spoiled child.”
Unacceptable: “Thoman is an arrogant spoiled child.”

This example is shaving it pretty fine. The acceptable comment draws an analogy to what a set of actions appear to be, the second merely calls names. There is a difference between ‘sticks and stones’ name calling, and sticking a knife in.

That does not mean there is no room for disagreement and dispute, or that any negative comment must be squashed. That is counterproductive to a main tenet of a website like DGreport: a fearless environment anyone can speak to anything, regarding Downers Grove or something else.

I intend to keep at it; I hope you do too. Along the way, if some more people notice, drop in to say their say, and even become regulars, that is a very, very good thing. In the meantime, put the knives away.

But as the saying goes, keep your powder dry.

Saturday, February 9, 2008

The Ice Festival

Here's a couple pictures from this year's Ice Festival. There was a pretty good turnout. Lots of kids out with their parents, shaking off a little cabin fever.

This is an art form that guys like. Why? Two words: power tools...

To be more specific, instead of brushes, these artists use chain saws. Can there be any higher art form? Did not think so...


The Sea Turtle was looking pretty good.

















I have to go back Sunday and see this one finished. The artists starts out with cubes of ice and ends up with perfect spheres to be used as balls for his sculpture.






The dragon guys were shaving down their creation prior to attaching the wings. If you look in the background, Egg Harbor was rolling around carts with complimentary coffee and hot chocolate. I heard plenty of comments that people will eat there when it opens.










Pretty jumping on what normally would be just another dismal February weekend.

Tuesday, February 5, 2008

Tree Update

Interim Director of Public Works Robin Weaver broke the sobering news to council tonight: the Emerald Ash Borer (EAB) is on the way, it's closer than anyone thinks, and nothing anyone has done stops the 100% lethality of this pest. Evanston is getting hammered right now; hundreds of trees need removal, and their Public Works crews are swamped.

It's all very sad. Ash trees had their foibles, but some, especially purple Ash, really are beautiful shade trees. Hardy, tolerant, robust, and completely vulnerable to a small bug from China. Probably the best way to know the EAB has arrived will be the tiny sideways 'D' holes in the tree, and the woodpeckers pecking away eating everyone they can find. Sorry, the woodpeckers don't stop them either.

Public Works will be taking out 400-450 trees this year, trying to get ahead of the problem like everyone else did not. Replacing all those trees is going to cost money, and it is my intention to see what we residents might do to help lower the cost to the village. I'll report in on this if/as things happen.

The good news is it is now policy to route sidewalks around non-ash, non-invasive mature trees whenever possible. The three block long project on Carpenter between 59th and 62nd originally called for the removal of 20 trees on the east side of the street. That is now down to two trees, and when the project is up for resident input I hope to save at least one more if possible.

This is a new attitude at Public Works. Before, residents had to know, had to go, had to protest removal of trees. Then, it was residents had to push our way into the process to save the tree(s) on our property, and then it was no sure thing. Miss the meeting due to work: bad things happen.

Now, I have been told, the project designers do that part automatically. Save the trees is the mantra; they count more than ruler straight sidewalks one foot off the property line. Mission accomplished.

The 18 trees saved on Carpenter translates into a street canopy that remains intact, and a $$ savings to the village of just over $7,500. For three blocks. Imagine if we had this policy in place when we started the sidewalk program.

We will still save ourselves tens of thousands of dollars moving forward, not to mention 40 years regrowing needlessly destroyed street canopies.

Is DGreport “a vehicle of “mistruth”?


I read EJ’s comment made to her by an unidentified elected official that DGreport, her blogbaby, spread mistruths. One of my friends who frequents DGreport took me to task along a similar line. Anonymous posters can say any lie they want and not be held accountable. He was curious: why I would bother naming myself on DGreport when so many others do not?

I and others have used the term sock puppet for anonymous posters, and derided their anonymity as proof they were disingenuous; that they misspoke on purpose or to some agenda. Are they are too afraid to speak in public so they hide? District 58/99 elections were a good example of bad anonymous behavior. There have been inflammatory comments here as well on other tropics. A case could be made that there has been a misuse of the public trust.

Funny thing though, the anonymous posters, the bad ones, are having a hard time hiding as that blog goes on. Readers are getting wise to them. There is a growth curve involved, and this blog is growing and maturing.

Credibility is an issue with me. People know where to find me. They can email me, write me, call me; hell, they can show up at my door. Does that temper my comments? Nope. What it does temper is launching personal attacks on anonymous posters whose comment I take exception to. As a known named person, I have to ask myself: if I was talking face to face with this person, would I personally attack them? Nope.

But I have at DGreport.

When I started posting there, I took exception to some comments by posters, particularly Meat, and started to mix it up. I stopped, but never apologized. That was wrong: Meat, if you read this, I apologize for taking your remarks personally, and responding in kind. Two wrongs, both mine, didn’t make a right. I try and steer clear now, but the damage is done. We live with our mistakes, and sometimes we learn from them.

Slight tangent- If there are posters who are under 18, stay anonymous until you are legally adults, then decide if you want your name out here.

When a public official charges that ‘mistruths’ are spread, they may be right, they may be wrong, but they can always, always come into the discussion, named or anonymous, and present their case. Take the case of two anonymous posters crossing swords about the Liquor Commission and charges of ‘politics as usual’. DGDood made some claims, X01703, who claims to be a Liquor Commission member, refuted them. I looked into it, and posted up on it also. So did anonymous Ron Burgundy.

When it comes to the village, and all that concerns it, anonymity has a well-warranted good side. Highly sensitive topics like housing, the buses, local politics, development/redevelopment and other areas may be uncomfortable for us named persons to deal with, but the comfort to comment, to join the discussions may be possible and conductive only under sufficient confidentiality. If the goal is to have the best online discussions possible, to bring the largest number of people into the discussion, and to promote public discourse, anonymity increases the comment pool. What DGreport gains with anonymous posters is the wide range of opinions and perspectives that include not just regular posters, but first-time and very occasional visitors, coming into a discussion for the first time. They make it lively. Tell me my comments are as biting as Hellomoto. That would not be true, yet most of what he has claimed as fact is easily verifiable, and gets either vetted or outed accordingly.

Meat, stay Meat. Hellomoto, DGDood, DG_DA, Champ Kind, Ron Burgundy; stay anonymous, and keep contributing. If you step over the line you’ll take heat for that, and take a little heat for being anonymous too: so what. Facts have a tendency to shine light: the more the better. Opinions are important too, and anonymity makes those opinions easier to put out there, here, so they too can see the light of day and be scrutinized.

Monday, February 4, 2008

Foggy Monday, 2pm

Where'd the end of the block go?

Sunday, February 3, 2008

Home Foreclosures in DG


As of yesterday, here's how DG is doing with property in foreclosure. We're about in the middle. Naperville, Westmont, Lisle are doing a little better, Woodridge is a little worse. Bolingbrook is getting hammered.

In some cases, these families are living beyond their means and now it all is crashing down; not on them really, but on us. That's too bad, but it doesn't take a rocket scientist to figure out you can't keep drawing more money out of a house forever. Fred Flipper and his family refi'd once and bought new cars. They refi'd again for the time share condo, marina space, and boat up in the Dells. They refi'd again when Fred Jr. went to that prestige college. As long as the house prices kept going up it sorta worked. Now they toss the keys and walk away, leaving the mess for someone else. For us.

In some cases, the buyer simply wasn't smart enough to know when the teaser rate expired, they just couldn't afford it. They didn't get the Alt-A guidelines but the mortgage guy said it was cool, it was designed to help them, a way to buy the home of their dream. Now the mortgage guy is gone, and the office is empty, and some company wants more cash than they can pay, or else. There isn't any smiling face to reassure them they're doing the right thing, just notice after phone call telling them they did the wrong thing and now they have to pay. Shame on them for not knowing better, we say, and shudder in relief: if you've ever been in a room with high pressure sales people, you know how confusing it can be.

In some cases, the family has been hit by other economic woes. Just keeping their noses above water, and the wife's job got downsized. The meager medical insurance just went up another 20% this year. The new higher deductible for the broken arm wiped out the savings account. The car just upped and died. The kid in college still has another year. The recent state, county, and municipal tax hikes push them over the edge. The builder went belly up and left them with a bad roof. There is no rainy day fund.

Hard to lump all these different story's (and many more) into one book. The Fed is bailing out the banks-the companies that started this all in the name of profit. Will they help the buyers, the people who may or may not deserve the help? All of the lenders knew what they were doing: few of the buyers knew what they were really getting into.

I've said this before:

The increasing shortage of affordable housing was becoming a problem for us. This was a lead-up problem several years in the making, and for a while it was actually accelerating.

The key word here is was.

The crash and burn in housing over such a short time frame has changed the parameters of the discussion. Now, we have too many homes on the market and not enough qualified buyers. Why? The most likely to buy the middle priced homes are squeezed out by credit lenders.

Banks and greed are to blame. Spare me the argument that it wasn't banks; that has long been laid to rest, it was the banks. Now we have real estate prices leveling off and on some properties even going down, and first time buyers can't get reasonable rate conventional loans-loans they could make good on-to buy them.

I listened to enough ad hoc meetings, DGHT presentations, and council hand wringing to think we're trying to solve (or ignore, take your pick) the last problem instead of the current one. The problem we have now is too many homes up for sale and not enough buyers with qualified loans. There's where the affordability problem has shifted to.














Two smaller middle income homes. Which house would you rather have next to yours?

I'd rather not have an empty home next door or next block slowly falling into neglect; that lowers the value of my home and my neighborhood. So my question now is, should we be trying to find buyers? Is it in our best interest to have occupied homes instead of empty homes? How do we find the buyers, and how do we find them the loans?