If ever there were a time when knowledge lay fallow, it is now. We have no excuse for less than superior teaching and learning at all levels. Do we want educated people or school systems that do not work?
How about simple & cheap?
What would it take to video every teacher, teaching every class, on every subject, at every level, in every language? E-texts, e-quizzes, e-e-e-e-e-e.
Podcasts, YouTube, whatever. Darwinian principles would winnow the effective classes for each type of learning, and learner.
Education could have its own websites with the “.edu” suffix. Some sites could charge for subscriptions or specific sessions, if they felt the need.
Once knowledge is freely available, taught by stellar instructors, whenever and wherever students are ready to learn, we have a new world of learning, and no excuses.
The recent hullabaloo over sleeping air traffic controllers dragged mercilessly through the media, and for what? Fingers point, careers end, and silly notions trot.
Anyone ever hear of Skype? How hard would it be to have each air traffic controller see & hear four other controllers on a computer in the tower? Add several loud, annoying ringtones on their cell phones, and voila, no more sleeping on the job.
And how much would it cost? How does zero sound to you?
One of the stressful prospects facing many American families is losing their homes through foreclosure. The Federal government is searching for ways to prevent this from happening. The situation is difficult to solve with conventional thinking.
- The homes cannot be sold for the price the owners paid.
- In some cases, the homes cannot be sold for the balance of the mortgages.
- Many of the mortgages have adjustable rates, which have risen significantly to the point that the payments are beyond the families’ ability to pay.
- Foreclosures depress the market values of neighborhoods.
- Vacant homes invite unwanted elements into the neighborhood.
- Foreclosure gives the mortgage holders the costs of the process and the burden of managing or selling the homes in a depressed market.
The homeowners want to remain in their homes, but they have limited incomes to pay for housing. Even if the homeowners remain in their homes, they may never recover the amount of the mortgage when they sell. Foreclosure would create financial and legal costs for everyone and destroy the credit rating of the homeowners.
The mortgage holders do not want the costs of foreclosure and they have limited abilities to manage or sell the homes. The neighbors want their neighborhood to keep its value and safety.
What can we do?
How would it be if the homeowners could remain in their homes at a cost within their budget? What if the mortgage owners could still receive a return on their investments? What if the costs and stigma of foreclosure and its aftermath could be reduced? What if the costs to the taxpayer could be reduced or eliminated?
Consider this: A new agreement between the homeowner and the mortgage holder: a “Mortgage Conversion Contract.” The homeowner gives up ownership of the home in exchange for relief from the mortgage and an affordable lease of 3-5 years with an option to buy the home after that.
- The homeowner remains in the home, without the problems of bankruptcy and with the possibility of becoming a homeowner again.
- The mortgage holder becomes a landlord with rental income and time for the market value to recover, once the current crisis passes.
- The Federal government could subsidize creation and implementation of a model “Mortgage Conversion Contract” to speed the process and assure fairness.
- If the homeowners qualify, they could receive rent subsidies under existing government housing programs.
This concept could ease the stress and costs on millions of American homeowners and the holders of their mortgages. How does that sound to you?