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HOUSING NEEDS BOLD IDEAS

New York Times - Gretchen Morgenson
WE all know that most of us don't tackle problems until they've morphed into full-blown crises. Think of all those intersections that get stop signs only after a bunch of accidents have occurred.

Better yet, think about the housing market.

Only now, after it has become all too clear that the government's feeble efforts to “help” troubled homeowners have failed, are people considering more substantive approaches to tackling the mortgage and real estate mess. Unfortunately, it's taken the ugly specter of a free fall or deep freeze in many real estate markets to get people talking about bolder alternatives.

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