Six Simple Ideas to help people, the economy, and reduce foreclosures.

1. All Renters should be allowed to fully deduct their yearly rent charges on their income tax. The renter's "deduction / savings" would automatically be deposited into a 4% interest bearing account that could be spent on education, medical emergencies / insurance, or used towards a down payment on a home.

2. Instantly reduce ALL primary home mortgages to a Fixed 4% interest rate.

3. Send Full Tax Disclosure statements to all tax payers that calculate and reveal the SUM TOTAL of all the taxes they paid throughout the prior year.

4. Reduce interest rate charges on ALL credit card debt that is older than 1.5 years to zero percent for those that can keep on making their monthly payments.

5. An Additional credit card incentive, pay twice the monthly minimum due and ALL INTEREST RATE CHARGES FOR THAT MONTH ARE WAIVED.

5. Make Tax Refund Checks instantly depositable into special savings accounts that pay 4%, allow citizens the ability to deposit a matching amount as well, don't tax the interest from this account.

6. Make balloon mortgages illegal, instead, have the monthly mortgage slowly inflate, even if it is a month by month increase, have it be such a small amount that the mortgage payer can afford the increases for a few years after the increases have started.