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:: Sunday, September 17, 2006 ::
Building an Epidemic Network to Prevent Many American Families from Becoming Homelessness
Recently, I received a reader of my Homeless Solutions Blog (see attached), asking me why my blog has not had new entry since March. On the one hand, I thought I had pointed out an very effective way thru Internet for homeless prospects to find resourceful American peer who have extra resource to buy stocks may give them a hand from Yahoo stock message board. That solution is a quick, massive and enormous because even if we got 8 million homeless families, we got many more times of wealthy stock investors American families that their whereabouts can be easily found in this Yahoo stock message board.
On the other hand, I have been very busy buidling an Epidemic Network to prevent hundreds of thousands of American families to become homeless when they could not sell their home while have to in the years to come. Don't think a millionaire family living in his or her multi million dollars house will not become homeless. e.g. A family in Montville NJ bought their $1.5 million dollar house with 1/3 of down payment (wow! half million cash!) and mortgage the rest, now due to job loss and had to sell the house surprisingly found out they were not able to sell for 186 days, and the listing price has dropped down to $999,000. If they were able to sell it at full price, after paying back the mortgage, they lost all their half million down payment, and they may even need to come out more money to pay realtor commission and closing cost at the closing table.
What if even worse, people like them can NOT sell the house at all? say for 3 years? Eventually, they will have to file bankrupcy and let mortgage companies foreclose the house and bank with too many such delinquencies may itself file Chapter 11 like early 90's. It is like domino effect. So, what is the solution for that?
My solution is an Epidemic Network that is fast enough to identify massive prospective home buyers and educate them and help them buy their first home, whether it is a 1br 1ba condo or 4br single family house. Doing so will minimize the real estate down turn impact, and, even proactively saving hundreds of thousands desperated American families, who otherwise would not be able to sell their home and become homeless. When one family could sell their home, they could buy a smaller one or rent a place to call home, otherwise, market will push their home value lower and lower, eventually, eat up all their life savings and assets.
How does this Epidemic Network do in theory? So far there is no such type of computer network exists, according to Computer Information Science Proferssor Mark speicialized in computer archetecture at Univ of Penn, he could only came out a book called Tipping Point that described some phenominon. After I read the book later, I believe my Epidenic Network will generate what Mr. Gladwell described but in a far advanced and highly automated and integreated way.
I often analog a homeless person like a person drowning in the water, if there is someone else to give the drowning person a hand, s/he will get out of water much sooner that if s/he has to do it all by him/herself. For the same token, a prospective home buyer may take 3 to 5 years, eventaully, learn all the beneift of buying home and eventually do that, but if there are someone else helping him or her in an epidite manner, he or she may end up buy the home in less than a year. So the power I have to help those who would not be able to sell their house but have to before their housing value collapsed is to create buyers, or turn the prospective buyers into real buyers in a very short amount of time.
I have proven the methodology worked back in 90's, helping close to thousand families sold their condo, townhouses, houses ... and what I am doing is to make that process faster, in fact, much much faster. e.g. I used to have to educate one prospective buyer one at a time, but recently, I went into a community group of 33 tenants and successfully educate 18 buyer prospects to all went out to buy condos or townhouses not long ago. My "education package to prospective buyers" could be one example of what Mr. Gladwell called a "social virus" that spread very fast and massively thru my Epidemic Network.
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From: "T. J. Carroll"
Date: Sat, 16 Sep 2006 20:47:49 -0500
To: "Mr. Cheng"
Subject: Re: why has your ..
The blog on "solutions for the homeless". I think this blog and your
solutions are marvelous. I honestly think the United States and the
World could be a much better place for all through your leadership and
solutions. I'm honored to get a e-mail back from you.
Ted
Date: Sat, 16 Sep 2006 12:26:09 -0700 (PDT)
From: "Mr. Cheng"
Subject: Re: why has your ..
To: "T. J. Carroll"
Dear Carroll,
Thanks for your message...
Which blog do you refer? I got hundreds of blogs ...
Cheng
--- "T. J. Carroll" wrote:
> blog have no new entries since march?
:: Mr Cheng 1:59 AM [+] ::
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:: Sunday, March 19, 2006 ::
Yahoo Stock Message Board can help homeless families
When a person or family is facing becoming homeless, he, she or they should trying to reach out to find as much resources, help and advises as possible to prevent that from happening. Once the homelessness happens, one should try even harder to find help and move off homelessness as soon as possible. After all, the longer stay at homelessness, the much harder to move off homelessness. It's like a person should try to stay away of water to prevent from drowning, and if unfortunately fell into water, she or he should try to yell for help and get out of water as soon as possible, rather than plan how to stay at water for a long time.
Most homeless researchers will tell you that people will prevent from becoming homeless or homeless people eventually move off homelessness due to the fact they were able to find big help from a person, organization ...etc. e.g. someone willing to pay one or two month rents for you so that you won't get evicted from apartment and became homeless. Or, someone you found willing to help you 1st month rent and security deposit so that you can rent a room to move off street and looking for job.
One good place to find resourceful people to help is at Yahoo stock message board of, say, WFMI, or just yahoo stock message board of any money making stock. Although most investors may not help you to prevent from homeless or move off homelessnes, all you need is one or two rich investors who may still have warm soul, and member posting at stock message board are to be sure resourceful people. After all, people with extra unused resources are more likely to invest on stock. And, money making stock may trigger human being's warm soul and willing to help desperatedly people.
For example, BBC's, Yahoo stock message board just had an investor sending two month rent to prevent former homeless family to be evicted from an apartment in Columbus OH
:: Mr Cheng 1:39 PM [+] ::
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:: Sunday, January 29, 2006 ::
Give Red Envelopes to Homeless People at Chinese New Year
Today is Chinese New Year. Traditionally, Chinese people give red envelopes that has cash gift inside to their children, grand children, relatives' children ...etc. It is also a good time to give red envelopes to anyone they love.
Knowing that most homeless people or working poor are often short of cash to carry out their life goal or just to maintain their daily life, but you do not have a good time to show your care and love to them? Chinese New Year from Lunar Calendar January 1 to January 15, you have plenty time of giving Chinese red envelopes to them as good luck, wish and assistance.
:: Mr Cheng 2:15 PM [+] ::
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:: Sunday, January 01, 2006 ::
Do NOT spend more than Incoming resources
After all these years helping homeless people to move off homelessness and prevent former homeless to fall back to homeless, I have identified the key reason why people becoming homeless. They over spend their resources.
A single dad with son in Williamsburg VA area is not able to pay his rent because he is making $1,000 a month doing paper route, yet renting $769 a month 2br apartment. He has been facing the presure to be evicted. When I was making $30,000+ a year at Bellcore many years ago, I was renting $280 a month attic in Highland Park NJ.
A single mom with 3 kids in Roanoke VA area every month would send in SOS message, not enough food to eat, no clothes, no heat ...etc. The electricity bill was $240 a month that we have to find someone to pay for it. On the other hand, my bill was only $86.
Another single mom with 2 kids in Williamsburg VA did not have money to pay electricity bill, cell phone bills ...etc, but her thermostat set to 68 degree, but my furnance did not turn on and the temperature went from 40 degrees to 60 depends on the weather and if sunny days. I asked her to set down to 50 degrees; she refused. We have helped her family over $1,000 not to mention other charity organizations and social services. Her cell phone bill added up to over $1,000...
There are many many more cases in which the desperated people have preset their "living standard" to be comparable or over the average income people, yet they make little income. On the one hand, that is the reason they dig a deep hole for themselves; on the other hand, they could not focus on saving enough to move them up to next stage.
A single mom with a son at Hanover VA area does not have money to buy heating oil, so she turned on 3 portable heaters without knowing how to pay her electricity bill in the months to come, but, at lease, she told me that she maintained a limited phone services so that she can get online and have most long distance call her and use cheap phone card to make must outbound long distance calls.
How to help families like this? If you help them, they will continue over spending on what they could afford; otherwise, they will become homeless. The more you help them, the less they will take your advise to lower the living standard to match their income. So, charity organizations like United Way would set up a policy to NOT helping families not able to pay the rent till they got eviction letter. Doing so may sound inhumane, but it seems to be an effective way to force these families to lower their living standard.
A familiy in Columbus OH area was not able to pay their 3br house rent of $850 and no charity organizations would help. As you can guess, they were eventually evicted right before cold Christmas time. Tracy Pay Palthem $450 together with other people's help, they now stay at a thrifty hotel at $146 a week and found a bigger and cheaper 2br apartment at $500 a month starting January 1, 2006.
The conclusion is for desperated people not to overspend. If you make $10 a day, spend $1 to buy a loaf of bread and keep $9. If you make $30 a day, spend $10 and keep the rest. If you want to spend $30 a day, be sure to make more money, weather going to work or bagging for resources. When you have some cash in hand or in your bank, you will feel safer and that will help you reduce or eliminate extra cost such as late fee or eviction cost
I am not saying you are going to stay at the very limited resource type of life, nor much lower living standard. You just need to come down much more before you can have enough momentum to jump up again. Like, if you want to change lane from slow lane to fast lane in the highway, you have to first slow down to keep much longer distance from the cars in front, then accelerate when you see a chance to change lane.
:: Mr Cheng 3:31 AM [+] ::
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