[Closed forums]
This is an archive of all the ideas from closed forums.
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Develop a template for local customization that identifies capacity-building tools/resources
There are many best practices of programs/activties/people that catalyze as well as mobilize personal & family transformation. HUD may want to identify a cluster group of HUD and non-HUD resources to develop the relevant composite framework/template for critically needed personal/group transformation.
284 votes -
Use CRA to require lenders to offer better loans to affordable apartment projects.
Creating new affordable apartment units right now is very difficult due to unfavorable terms from lenders. If we want more affordable housing, we need to require and incentivize lenders to provide favorable financing for deals. Otherwise, the deals won't get done.
280 votes -
The core issue from which success grows
A HUD of dysfunctional community cannot promote healthy community. We project what we are.
Native American elders I’ve dealt with note that the core value of healthy community is respect. Every single societal problem you can name has disrespect at its roots, in some form. Native Americans note that from respect, grows cooperation, which is how humans survive.
A successful HUD would be a HUD that is a healthy community itself, applying all the tools to help all American communities become healthy. Another term for this is Therapeutic Community. Whatever mission is laid out by HQ, that is our core…
274 votes -
end balloon mortgages
Due to subprime mortgages with balloons, we will have mortgages blowing through 2012. These are inherently unstable, in a down market.
273 votes -
Start now to build inclusive/sustainable communities
Using the 150 person max of The Tipping Point, require each city, to qualify for CDBG and other housing money, to have a pilot walkable, sustainable, inclusive community, in say 1-2 buildings. There are plenty of derelict buildings in most communities. Artists' lofts are something of a model for this. Include microenterprise and microlending, and job training WITH A REAL JOB at the end of it. Invite volunteers in to help, with specific tasks. Promote it as a therapeutic community, where people down on their luck can start over. Include Permaculture ideas- i.e. food bearing trees and bushes, and use…
272 votes -
Eliminate negative incentives for work
Subsidized households usually pay rent as a percentage of their income. If they make more money, their rent goes up. If they make a lot more money, they can lose their assistance entirely. Public housing rents and other housing assistance programs need to be more flexible to eliminate these structural disincentives for people to become self-sufficient.
272 votes -
Promote entrepreneurial efforts
Silicon Valley is the poster child for capitalism, the synergistic geography where smart private money supports cool ideas, creates jobs, boosts national productivity, and provides a handsome return for investors.
Less well understood about the area's development was the role played by the U.S. government in making it a success. "Particularly during the early years, the government played a critical role in shaping Silicon Valley," especially spending and funding from the U.S. Department of Defense, writes HBS professor Josh Lerner in his new book, Boulevard of Broken Dreams: Why Public Efforts to Boost Entrepreneurship and Venture Capital Have Failed—and What…
270 votes -
keep a log of unnecessary costs added to affordable housing production costs
Let developers, and clients, and anyone report additional unnecessary costs added by outmoded building codes, etc., to affordable housing. Town and city halls have no idea what orders of effect poorly planned codes have, on affordable housing production. They won't until it is totalled. If poeple understood that their rents were $100 more, due to outmoded codes, etc., things would change.
265 votes -
Exec.Order limit National Bank Act which exempts credit card companies to be held liable by States
By doing this makes Credit Card Companies liable to usury law in each State rather than them locating in a limited number of credit card friendly states to undermine State laws that have been in place for year to protect consumers. Banks do this to charge rates that even the old Mafia and loan sharks would be envious of.
262 votes -
261 votes
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end the bottleneck: let any HUD staffer recognize any HUD staffer, or even a client, for good servic
Current awards are bottlenecked, and slow. Create a paper certificate, or better yet an electronic form, where any HUD staffer could say something like [Name], you provided a magnificent level of service when you [description of what happened.] This is totally consistent with DS Sims policy of a "wow" level of service. I greatly appreciate it!
Signed /s/260 votes -
INTRODUCE A 4.5% RATE 40YR LOAN
This would do many things for the economy. 1 -get people out of bad loans that reset or are going to and won't be able to afford it at the higher rate.(never understood why the banks don't want to work with people who can afford it at one rate but not at $1000+ more a month when the arm comes due and the bank doesn't want to re-write a piece of paper called a note and/or deed of trust. seems to be for no reason at all other than greed) wouldn't you think that it would make more sense to…
259 votes -
As a landlord I see most welfare cases have a man waiting in the car not on any paperwork.
It is clear the man is an actual occupant and household member. The welfare office office was lied to while they claimed only the woman was there with her low income. Almost every woman with her hand out for taxpayer money has this situation. Not all but most. The man is helping decide on the house, helping move furniture in, seems to always be in the house and answers the phone. How dumb must we be to put up with this? Ask a landlord. How many times showing a house to a welfare case is there a man lingering in…
258 votes -
Communication
The promotion of clear communication of ideas and expectations with consideration of our cultural communities, and verbal and non-verbal queues.
257 votes -
promote cohousing - independent green living, multi-generational, supportive neighborhood
Residents of affordable housing are often isolated from family and
support systems. A cohousing community can help residents of all income
and generational levels live independently (in their own fully equipped
homes) but with the daily support from a network of people that care
about each other. Shared resources (computers, cars, laundry) and shared
domestic work (cooking, childcare) can help all families stretch their
dollars and find the resources to get back on their feet.257 votes -
Create joint FHA / VA task force to make sure veterans get equal treatment under any new plan
The worst thing would be for the FHA to help people while the VA was not offering any solutions on the millions of VA loans.
257 votes -
Simplicity
We, the U.S. Department of Housing and Urban Development, will strive to achieve simplicity in programmatic guidance, in the length and amount of communication used to convey policies and other material, in the overall scope of existing and new programs, and in all procedural instructions/requirements related to day-to-day work within the Department.
251 votes -
Use stimulus money to bring mortgages current
This is far better than giving taxpayer money to major banks who do nothing for taxpayers in return.
249 votes -
Have a Strat Plan for this, by creating Leaderless sub-organizations as in book Spider and Starfish
The Spider and the Starfish precisely describes the correct context for delegation, in its description of how to set a balance between leaderless and hierarchical organizations. HUD needs suborganizations that are leaderless, and task-focused. The difference between the hierarchical predecessor to Wikipedia, which had all of 70 articles before it shut down, and Wikipedia, shows the power of such task groups. There are many people who care and know a lot, in HUD, who would jump at the chance to spend even 1/2 hour per day in a task group like this. The Apache server concept is kept up by…
248 votes -
Encourge banks to perform short sales in a timely manner.
Banks are slow to respond to a short sale offer. Bank will not consider a short sale until an offer has been presented. Most banks take 4 months or longer to approve/disapprove a short sale. Most sellers by that point have stripped their homes of anything of value. Buyers have walked away, tired of waiting. Home goes to auction and then back on the market. It does not make sense to me why the banks take so long or why the banks fail to approve a short sale. My public school math says something in hand is better than nothing.…
246 votes
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