Mortgage Bailout Plan Math

Feb 18, 2009 14:22

The Obama Administration is planning a $75 billion plan to benefit 9 million mortgage holders.So $75B divided by 9 million is roughly $8,333 per mortgage holder ( Read more... )

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Comments 12

gojiraeight February 18 2009, 19:51:41 UTC
it can't. especially in that the primary problem is not in amount of money but in how the system works. I suspect that it's more of a wedge in the door or plug in the drain type of tactic. We'll see.

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little_licks February 19 2009, 15:36:59 UTC
We'll see, indeed. I suspect that it will not be a big wedge in even the short run.

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irenak February 18 2009, 23:09:48 UTC
I suspect the same thing as well - this is intended to mitigate the damage rather than prevent it entirely. The former is feasible, the latter really isn't at this point. Aside from Geithner's bank plan (which isn't so much a plan as a vague outline right now), most of their economics seem to be geared in that direction. Conventional wisdom seems to hold that it's not a matter of avoiding the bottom so much as cushioning the fall and I'm not sure that's wrong, unfortunately ( ... )

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little_licks February 19 2009, 15:35:50 UTC
"it's not a matter of avoiding the bottom so much as cushioning the fall"

Probably a very apt description.

Even with the tiering, there's really not a whole lot of "relief" that can be worked into the dollars of this plan.

Oy vey.

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arafel February 19 2009, 03:05:07 UTC
Yeah, that wouldn't hold us for more than a month or two. What's worse is that the Fed is projecting that the unemployment figures are going to rise to around 8.5%. That's an awful lot of people out of work, and an awful lot of lost wages that won't be going towards the homes they couldn't afford anyway.

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little_licks February 19 2009, 15:36:27 UTC
It's at times like this that I wish I had the attention span of Biscuit. Then I wouldn't shake my head at the news.

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novacainekiss February 20 2009, 05:27:35 UTC
It's actually just a way to get the mortgage companies to lower interest rates for people or that's what I at least gleamed from Obama's speech.

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little_licks February 20 2009, 14:16:48 UTC
Hmmm...assuming that the money is allocated for interest relief, that could buy a little more time, but not much, depending on the nature of the mortgage amortization schedule.

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ascher February 20 2009, 20:21:48 UTC
Would you take the money or say no thanks cause it's really not going to help much? Maybe these people purchased homes way beyond there budget and should have been a little smarter and a lot less materialistic with their purchases. I am no more poor than I was this time last year. As a matter of fact I am doing better. Business is slow so I am working harder to win more clients. Maybe the people of this country should take responsability for themselves and the situation they are in instead of looking for a bailout. I think the government is doing the best it can in this situation.

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little_licks February 22 2009, 22:44:03 UTC
This isn't about whether or not I would take the money. The question is, is this $75B in homeowner relief sufficient to really make an actual difference? I believe the Obama administration is doing the best they can, as well, but this rather paltry sum really seems to be insufficient.

I would rather see them spend 2, 3, 10 times this amount in homeowner relief if it could make a large, overall difference. As such, the numbers look like an attempt at a cheap fix that won't work (like duct taping a leaky pipe) and could just lead to worse problems (the pipe failing outright and flooding the entire basement).

I guess we'll see once more details are released. Like irenak says, there is probably a tiering system in place. Hopefully, the details will make me feel better about this.

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ascher February 23 2009, 16:55:03 UTC
I think the pipe is going to fail no matter what. It is good the pipe is going to fail. The adults of this country have chosen to be irresponsible with there home buying and living a lifestyle beyond their means. Think of it as tough love. If your child is irresponsible(with a toy, with a chore, with behavior) as a responsible parent you have him face the consequences. The afore mentioned irresponsible adults have to face the consequences of their actions the government should not have to bail them out. As far as I'm concerned they should be really damned happy they are getting anything. I'm prepared for this country to collapse, I knew it would happen 20 years ago.

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