Readers Respond: The mortgage-meltdown task force
An article in yesterday’s HCN Monday about President Obama’s plan to investigate the mortgage mess generated a wide range of opinions.
"While banks have a good share of the blame in the mortgage meltdown — and the subsequent foreclosure issues — no investigation can be complete without investigating the role the government played in pressuring banks to reduce down payment requirements and reduce lending standards in the name of eliminating profiling. This had a result of allowing people, regardless of ethnicity, to wind up with unsustainable mortgages. I have little hope that any commission will address this issue."
— David Ward
"Obama and his joint federal and state task force will do nothing but spend more of the tax payers money."
— Wayne E. Ridout
Ridout Lumber Co.
"What are the chances that the joint federal and state task force will punish those responsible for the mortgage meltdown? None."
— Shannon Ramey
"What are they going to do, investigate all of the home buyers who knew that they couldn’t afford what they were buying? It’s about time for this nation to get back to self-government and personal responsibility."
The federal government better look in the mirror and clean house before it wants to pin this problem on the banks. They should not waste any more of our money; let the market work it out.
— Mark Schaefer
Global Product Sourcing
"If the investigation brings up certain individuals doing wrong, then they have to go to prison. The only way to stop this in the future is personal responsibility in the form of imprisonment."
— Ed Deiss
Between 1942 when bank
Between 1942 when bank regulations got in full effect and 1974 when we started to undo the regulations there were vary few failures. The only big rules that came out from the civil rights era was that loans had to be equal. All the 'it' had to be easier for minorities is not true, the banking industry made the idea to give loans to less sound people and sell the loan to Fanny Mae or Freddie Mac.
Cool Energy House celebrates efficiencies
The Building America Retrofit Alliance is promoting the Cool Energy House, described as a "deep-energy remodeling project" optimized for peak energy performance.
The purpose of the project is to bring attention to the new energy-efficient systems and strategies that can impact traditional remodeling projects.
Among the peak performance energy measures of the Cool Energy House — located at 11068 Bayshore Drive, Windermere, Fla. — are pool pump replacement, sealed attic, shading, energy efficient lighting, cool roofing, ventilation and dehumidification.
The Department of Energy and the National Renewable Energy Labortory are among the organizers of the Building America Retrofit Alliance.
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CertainTeed hits environmental milestones
Valley Forge, Pa.-based CertainTeed said it has achieved significant milestones in reducing the environmental impact at its 60-plus manufacturing facilities in North America.
Specifically, CertainTeed has reduced energy consumption by 15% and water usage by 24% over the past four years. In addition, it has decreased the amount of waste going to landfills from its facilities by 33%.
“Through our collective efforts, we have established a strong culture of respect for the environment that will continue to help preserve and protect the communities in which we live and work," said Chris Altmansberger, VP of operations support and process sustainability.
During 2010 and 2011, approximately 6,000 CertainTeed employees received various types of sustainability training, which has helped drive energy, water and waste reductions. Additionally, more than 30 plants have achieved ISO 14001 certification, which helps drive continuous improvement in regard to environmental performance.
One of CertainTeed’s operational excellence initiatives is to involve employees in waste reduction teams, which use the Kaizen approach of continuous improvement. This has been instrumental in finding new ideas for recycling and reducing waste that would otherwise be landfilled, according to the company.
By embracing new lighting technology, such as T5 fluorescent lamps, the Calgary, Alberta; Buffalo, New York; and Seattle plants have increased their energy efficiency. Process reconfigurations at the Lodi, Calif.; McPherson, Kan.; and Norwood, Mass.; plants eliminated the need for pumping equipment and compressors, resulting in a more than 1.3 million kilowatt hour energy reduction annually.
CertainTeed also pointed to progress in the recycling of cardboard, pallets and packaging. In addition, new solutions continue to be successful in creating closed loop water reuse systems, which has been very beneficial in reducing fresh water utilization and water treatment requirements.
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