Hard Times
 

Why Can't We Walk Away from Our Mortgages?

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There is a reported rise in people simply walking away from their mortgages. To me, that's pretty darn scary. And what's more, considering that the Obama-backed refinancing program isn't all it's chalked up to be, I can picture more people doing this. And why shouldn't they? Businesses do it without much repercussion. Well, the big stick in this picture is our credit history. Walk away from your mortgage and who knows what the future has for you?


The credit risk is high and akin to smashing a mirror on purpose -- back out of a mortgage and get yourself seven years of bad credit. There's also the theory that by walking away from your dream home that is underwater, you start to sink your neighbor's dream as well. That's a lot of guilt to manage.


On a recent NPR segment,
a caller named Bill said he thought that paying one's mortgage was the morally correct thing to do. Brent White, law professor from the University of Arizona, responded, "I think this works to the advantage of lenders who actually understand that a contract is not a moral document, it's a legal document."


What I don't understand is how an abandoned business doesn't impact the value of my home, but a foreclosed condo does. The inequality in the economic landscape between businesses and individuals continues to grow and grow... At least in our awareness of the inequality anyway.


[Image: New York Times]

 

Run, Groove, and Download for Haiti

62314141.jpgThe efforts to help Haitians in the aftermath of the earthquake that tore apart their lives last month are too many to count, proof that when people want to band together and help those in need, anything is possible.


In addition to the major efforts, through groups like Partners in Health, the Red Cross, and Dine Out for Haiti, smaller benefits have been cropping up throughout the country to do their part in rebuilding a devastated country and its people.


On February 20th, New Yorkers will have the chance to run for Haitian relief, in a 4-mile foot race sponsored by the New York Road Runners Club. Though most NYRR races cost $20 for non-members and $17 for members, this one is $40 for everyone, reminding entrants that they're not just there to run a PR (personal record) or complete their first race. The NYRR has also made it possible to participate in the race without leaving your toasty bed, or even being in New York City, that Saturday morning: you join the field as a "virtual runner" for $30.


On February 8th, Chicago's Hope for Haiti -- not to be confused with the nonprofit organization Hope for Haiti or Hope for Haiti Now -- (I said the efforts were too many to count) will host a telethon/concert featuring the rapper Common, the Grammy Award-winning singer Tarrey Torae, and the gospel singers Donald Lawrence and Marvin Sapp.


Then, of course, there is the 20-song "Hope for Haiti Now" album, the first digital-only record to top the Billboard album charts, featuring songs by Jay-Z, Bruce Springsteen, Beyonce, and Justin Timberlake. And let's not forget the Quincy Jones-produced remake of "We Are the World" featuring a who's-who of the music world, including Kanye West, Celine Dion, Carlos Santana, Harry Connick Jr., and Barbara Streisand, among a few dozen others.


Such widespread devotion to a cause offers hope not just for Haiti, but for humanity as a whole. It proves that collective altruism is still possible, and that our species may not be so self-serving after all. If you know of other efforts to aid the relief effort where you live, please drop a comment so that others can join the cause.


[Image: Twitpic]

 

Photo Finish: John Jantak

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One of the most difficult aspects of traveling solo in South Asia is witnessing the harsh reality that many people live with each day. I came across the children in this photo sleeping on a sidewalk one afternoon in Kathmandu, Nepal. Normally, I would have glanced at them as I passed by and kept walking, but the child with the bloodied and bandaged forehead made me stop and look. It tore my heart to see a young person in such a dire situation.


This boy was obviously seriously injured because the bandage was saturated with fresh blood. It was the blood that caught my attention, along with the fact that he was just a boy. I had never seen anything like it before, and his situation garnered the attention many local people as well. Several paused to look and they also appeared shocked at what they saw. It was almost as if there was a collective resonance of empathy and wanting to help but not knowing what to do.


I took this photograph because I wanted to capture what I don't normally see every day - not to be morbid, but to remind myself that no matter how bad things are in North America, sights like this are still fairly rare. I would hope that no child would be disregarded the way this boy was, no matter the situation. I wanted to help but I felt helpless and impotent. I'm sure many of the locals felt the same way. Instead, we just paused, looked and carried on with our lives.

 

NASA's Moon Program Cut!


You know that it is indeed a Great Recession when NASA's Moon program -- once the hallmark of America's idealism -- is cut. Budget Director Peter Orszag explains why some NASA spending got the axe in the new budget. NASA's Constellation Program, which had sought to send American astronauts back to the moon by 2020, is one of the more startling casualties in President Obama's $3.83 trillion budget for fiscal year 2011.


Aside from the scientific data gained from such game-changing missions, NASA's Moon program has greatly benefited society as a whole. The Hubble Space Telescope, for example, one of the consequences of the space program, has as one of its technological spin offs, the Charge Coupled Device (CCD) chips which digital image breast biopsies. Another NASA spinoff that has benefited many is its water purification technology.


With the latest budget cuts, who knows what other innovations we might miss out on in the future?

 

Want to adopt a Haitian orphan? WAIT!

I admit that my husband and I had "the talk." The "Can we adopt a child from Haiti?" talk. Of course it was out of sheer love for the children who need help, but we quickly snapped back to reality: Now is not the time to get in line for a child.


Apparently some people think otherwise. Ten Americans were arrested over the weekend for child trafficking out of Haiti. Of course they say they were just trying to help by scooping up children and taking them across the border to an orphanage, but hey, I think that is the definition of child trafficking.


I get it. I also want to jump on a plane and bring a bunch of kids home with me. I want to clothe them, feed them and love them. But I know that they are Haitian and Haiti is their home. I also know that people have been displaced. Children were at school when the earthquake hit. How do we know if their mother was one of the people flown out of the country for medical help? Or is in the refugee camp on the other side of the city? We can't know all of the facts. The Independent has a good Q&A on the ethics of disaster adoption.


When we've had conversations about adoption, I've found myself focusing on whether or not I have the emotional strength to guide a child along the path. A newborn or an older child will question their adoption at some point. I can only imagine the emotional wounds that will need to be addressed for all the people of Haiti, much less a child airlifted from their homeland and extended family.


But I continue to reject the notion that I know how to provide a "better life" for a child. I think that once you start to believe that you can overlook the formalities that go with international adoption, like, say making sure that no one in their biological family can care for them. Airlifts of children have happened before, such as Operation Peter Pan, and some of those children are grown now and mad as hell about the thought of the same thing happening to Haitian children.


Instead of running out to adopt a Haitian child, I suggest giving to an organization that is focusing on helping to rebuild Haiti and reuniting families. There will be a time when adoptions will be the answer for some children. Until then, let's wait.

 

Zbigniew Brzezinski on How to Handle Haiti


Zbigniew Brzezinski, the former National Security Advisor under President Jimmy Carter, talked about Haiti with Fareed Zakaria on CNN's GPS this Sunday. He gives one of the most serious foreign policy answers to the question of: How does one handle Haiti?


After the tens of millions of dollars have made its way to Port au Prince, what is to be done? UN Special Envoy Bill Clinton, clearly, has the gravitas, but there are so many players, like the EU and various Latin American countries with their own agendas and a limited number of ports of entry. This is the sort of international reconstruction project that dwarfs even Clinton's formidable energies. Haiti is coming out of over 200 years of superhuman cruelty -- colonialism and neocolonialism -- at the hands of the West. That, and the lack of fundamental civic institutions in place makes me skeptical about whether or not: a) the bulk of the monies being raised will be put to the most effective use and, b) that some long-term structural improvements will be made to the country, so as to stave off similar incidents happening when -- not if -- the next natural disaster occurs.


"I think we ought to have some arrangement involving the U.N., which perhaps could create some accommodation with the Haitian government, allowing for a form of transitional, international trusteeship for the recovery of Haiti," said Dr. Brzezinski. "This will take a very major international effort. The United States, of course, will have to take the lead in it in terms of putting resources into it. But I would think other countries -- particularly Latin American countries, even Central American countries -- ought to be heavily involved."


Bashing the United Nations was a spectator sport in the era of neoconservatism. Now, however, the indispensability of the United Nations -- especially in the case of international disasters -- is powerfully evident. Dr. Brzezinski mentions that Haiti might be put into a United Nations receivership until it recovered. East Timor, which is now something of a success story, was once a UN receivership -- under legendary Brazilian diplomat Sergio Vieira de Mello -- and it was a good thing. Dr. Brzezinski is optimistic -- as am I -- about the human capital of Haitians once they are ensconced in stable countries and are given a fair chance at achievement.


"You know, it's rather remarkable the way the Haitian communities perform in America," said "Zbig." "And there have been some studies of that. And they show that the Haitian communities, given the right opportunity, thrive, and are very dynamic and very creative. They have, actually, a kind of tradition of self-development, which is rather impressive.


"I think, if the framework for that country could be, somehow or other, improved through international assistance, through some transitional arrangements which permit some U.N. supervision, I think the human capital in Haiti could help to recover and overcome the kind of obstacles and tragedies that the Haitian people have had inflicted upon them -- either by nature or by poor, oppressive, corrupt governments."

 

Journey of a AIDS Orphan in Uganda


Sanyu Nakyeyune, a Ugandan AIDS orphan, is a LEAD Uganda student. LEAD Uganda is an educational leadership initiative for the hundreds of children affected by AIDS, Uganda's civil wars and poverty. Sanyu's parents died of AIDS when she was ten years old. Uganda and Sanyu have been through a lot, but things are looking up. From CNN:


"Everyone has a dream," she [Sanyu] said. "But if you don't study you can't accomplish your goal. When you are out there not studying it's useless."


She hopes that her experiences will help other children who find themselves in desperate circumstances.


"Tell the world about AIDS," she said, "and support programs like LEAD Uganda. Help us join schools so that we can become the leaders of the future."


"I'm trying to teach people to be strong, to be brave, to believe in themselves." They are qualities that Sanyu clearly has in abundance.


Twenty years ago she would have been in dire straits. Now, however, Sanyu's chances of becoming a doctor are quite good.

 

Photo Finish: Kenneth Aaron

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This photo was taken as part of a Neighborhood Notes story about plans for Blanchet House to expand in Portland, Oregon. Blanchet House serves 600-900 meals a day to the homeless and provides a safe environment for men who are seeking to end their homelessness and commit to living clean and sober. The building in which Blanchet House resides is old and in disrepair. A capital campaign is being launched to construct a new building next door with larger dining facilities, and beds for up to 40 men. Blanchet House presently has 29 residents. This photo shows two of the residents preparing dinner. Residents are required to work in the kitchen while they regain control of their lives.


Neighborhood Notes offers community-focused news like no other source. With thoughtful and investigative reporting, we are committed to bringing the stories that are often overlooked, but that matter to the people who call Portland home. We create conversations that encourage participation, action, and collaboration. We care because this is our city, too, and we strive to be a resource that fosters communication and connections across all 95 of Portland's diverse neighborhoods.

 

Truffles and Filet Mignon for Haiti

Red_Wine_&_Stuffed_Squid,_Calamari.jpgIn case Google hasn't made it easy enough for you to donate some funds to the Haiti relief effort -- by allowing you to give by texting "HAITI" to 90999 -- restaurants across the country are going to make it impossible for their patrons not to give.


Lest that sound like a threat from the participating eateries in the Dine Out for Haiti initiative, don't worry: All you have to do is eat a meal, like you would anyway. The restaurants will take care of the rest.


Donating 10% of their proceeds from January 24th, this Sunday, the participating restaurants stand to make a sizable contribution to the effort. In New York City alone, more than 50 restaurants are getting involved, including several where the average meal can run well over $100, and where reservations must be made weeks in advance.


It's a gracious gesture, and not uncommon. Restaurateurs often donate proceeds and food to charity efforts like Share Our Strength, which feeds hungry children; homeless shelters; and hospice programs. When Hurricane Katrina hit in 2005, restaurants across the country rallied to give through the Dine For America campaign.


The devastation in Haiti is worse, and the time it will take to rebuild is impossible to gauge, if rebuilding is even an option. But every little bit helps. And what easier -- and more pleasant -- way to help than having another glass of Pinot?


[Image: Kirti Poddar from Wikimedia Commons]

 

Haitians Chant "U.S.A!"

Not all American efforts abroad are met with protest and scorn. In this video, emailed to reporters by White House staff with the subject line "AMAZING VIDEO," we see members of an American rescue team pulling a woman from the wreckage of last Tuesday's earthquake. Outside, they are cheered on by Haitians, shouting "U.S.A! U.S.A!"


I am a natural-born American, and that's a chant I've only voiced ironically, to make fun of misguided patriotic fervor. But in this instance, it seems to reflect sincere gratitude for the outpouring of support this country has shown the people of Haiti in the past week. And that's something we can be proud of, patriotism notwithstanding.