PolEco: Video from Facebook - US police crackdown on peaceful tree-sitter

Due to high cost of housing units, people can't pay the amortization private housing companies are requiring, so the people stays in parks, streets, and even on trees. This is the effect of the crumbling capitalist system the US is implementing.

PolEco: Workers' Challenge on Bonifacio Day, Nov 30, 2012

Members of Partido Lakas ng Masa (PLM) Cavite Chapter, Bukluran ng Manggagawang Pilipino (BMP) Southern Tagalog, Kongreso ng Pagkakaisa ng Maralitang Lungsod (KPML) Cavite Chapter, Zone One Tondo Organization (ZOTO) GMA Chapter, and Pagkakaisa ng Manggagawa sa Transportasyon (PMT), staged a rally in GMA, Cavite on Nov 30, 2012, dubbed as "Workers' Challenge," to make a call to the senators, congressmen, governors, mayors, and all other politicians of the present government, to attend to the Filipino workers' struggles, generalized as follows:

1. Low wages and Policy of Contractualization
2. Rising Prices of Oil and Electricity
3. Housing Security

First of the struggles' workers had been bearing is the  policy of low wages and contractualization in offices/companies/factories. The Minimum Wage Law limits the wages of workers to what the Dept of Labor and Employment (DOLE) deems appropriate. The value of minimum wage differs from region to region, which is always below what a family needs for its expenses. On the other hand, the policy of Contractualization limits workers to 5 months stay only in a company, afterwhich, he/she needs to find another job in order to have a source of income, but also for another 5 months. Contractualization is a mechanism used by the capitalists to keep their cost of production low. Contractual workers don't receive the benefits given to regular workers, as provided by law. They also don't have the right to organize themselves or join a union. So the capitalists really gain a lot from that policy.

The rising costs of oil (fuel) and electricity add insult to injury. The workers are burdened by the low wages they're receiving and the quality of work, with no security of tenure, they have, but instead of giving them relief, the workers are saddled with the high costs of oil and electricity. This came into place through the free market policy of capitalists countries, which necessitates the privatization and de-regulation of all businesses. When oil and electricity prices shoots up, prices of commodities will also shoot up. Its a domino effect, because cost of fuel and electricity are always added to the cost of production of all commodities.

Another effect of the free market policy is the privatization of housing, which means that public housing projects need to be sold to private entities/capitalists, so that proceeds of the sale will go to government funds for public service. The funds always go to somewhere else and someone's pockets, as evidenced by the different scandals hounding government officials. So instead of making the housing program a public service, it's turned into a business opportunity. As in all businesses, if you can't pay, you can't stay. 

All these struggles are intertwined, as well as the demands. The various peoples' organizations (PO's) demand for security of tenure and a Living Wage (wage that can raise a family decently, which is based on the cost of living). They're also demanding the scrapping of the de-regulation and privatization policies, as obligated by the International Monetary Fund (IMF) and other global financial institutions.

This is the challenge to all politicians and government officials. Heed the call of the workers, which comprises the 99% of the population. The challenge is in time for the birth anniversary of the great Andres Bonifacio, Filipino hero and the first revolutionary. It's also in time for the coming elections on May 2013, where "trapos" will once again court for the votes of the masses, making all kinds of promises and all kinds of gimmicks, from the endorsements of popular artists, to the promise of heaven when elected. 

This is the WORKERS' CHALLENGE !

PolEco: Looking Back: Highlights of the Occupy Wall Street Movement (from the OWS website)

2011: A Year in Revolt

Posted 1 day ago on Jan. 3, 2012, 7:52 a.m. EST by OccupyWallSt

2011 will be remembered as a year of revolution, the beginning of the end for an unsustainable global system based on poverty, oppression, and violence. In dozens of countries across the Arab world, people rose up against broken economies and oppressive regimes, toppling dictators and inspiring the world to action. Popular rejection of austerity measures and attacks on worker's rights brought millions to the streets in Greece, Iceland, Spain, Portugal, Italy, the UK, Chile, Wisconsin and elsewhere.
By midsummer, murmurs of "occupying Wall Street” were stirring online, and on July 14th, we registered the domain occupywallst.org and began organizing. The first New York City General Assembly was held August 2nd and the Occupation of Liberty Square began on September 17th.
Fueled by anger at the growing disparities between rich and poor, frustrated by government policies that benefit a tiny elite at the expense of the majority, and tired of the establishment’s failure to address fundamental economic inequalities, OWS offered a new solution. We built a People’s Kitchen to feed thousands, opened a People’s Library, created safer spaces, and provided free shelter, bedding, medical care, and other necessities to anyone who needed them. While cynics demanded we elect leaders and make demands on politicians, we were busy creating alternatives to those very institutions. A revolution has been set in motion, and we cannot be stopped.
As the mainstream media ignored us, we learned from other leaderless resistance movements in places like Tunisia, Egypt, and Iran to use social media and live video streaming to spread our message. We are part of a global movement that has radically democratized how information is created and shared, rendering centralized, corporate-funded mainstream media increasingly irrelevant. The rapid exchange of information allowed us to make collective decisions quickly, discuss information and ideas across the globe, mobilize effective direct actions, and document police brutality. Now more than ever, when we chant “The Whole World Is Watching!” it is not an idle threat.
Today, tens of thousands of everyday people are putting ideals like solidarity, mutual aid, anti-oppression, autonomy, and direct democracy into practice. Individuals are joining together in city-wide General Assemblies and autonomous affinity groups. Through consensual, non-hierarchical and participatory self-governance, we are literally laying the framework for a new world by building it here and now -- and it works.
The rest is history. In honor of a new year, here is a run-down of what we accomplished since then. It would be impossible to list every action or mention every place an Occupation has occurred. But let us start a new year by celebrating a few highlights of our victories -- along with a sneak preview of what's to come!

Read More...

Present Day China

China has transferred her form of government from State Capitalism (not communism, because workers in china never tasted the fruits of their hard labor) to Capitalism based in globalization. China right now opened its doors to western capitalism. To most people, this move of government, and all present activities in China, is for progress. Sure anyone can see the difference from the old system, specially the youth sector, who are enjoying the present lifestyle of commercialism and consumerism. But there are those who don't like this shift of government form and its economic policies, specially in the housing sector. There are massive demolition of the old housing units and massive construction of office skyscrapers and condos. This is not bad at all, because condos are far more progressive than row houses, except for the fact that these are private properties. I don't know exactly other minute details of this government economic policy on housing, but one thing's for sure, under capitalism, progress is not for everybody, but for a few who happens to belong in the upper and middle class. In China, these are those who are from the government bureaucracy before and their network of relatives and friends. These comprises the present day upper and middle class.


The posted pictures will narrate my point. Demolition is everywhere. After demolishing the old red rowhouses made mostly of bricks, high rise condos and offices are being built. Land is owned by the government and is being lent to investors, not sold or mortgaged, to be bought or mortgaged after a certain time. This is a tactic to lure capitalists to invest their money in China. Labor is cheap. But the bad side of this is that the masses are being displaced from their houses and relocated somewhere else. Where's the social content of this present move of China for progress? So people are taking to the streets to demand their struggles.

Surely progress under capitalism doesn't work for everybody, but for a privileged few. If we want progress for all, we must strive for socialism!

Millions lack affordable housing in US—UN - INQUIRER.net, Philippine News for Filipinos

Millions lack affordable housing in US—UN - INQUIRER.net, Philippine News for Filipinos

The Present State of our Housing Struggle (July 18)

The inter-agency housing committee meeting that was supposed to be scheduled last June 30 did not pushed through. Maybe because the different agencies did not agree on the concept of conducting a meeting. Or maybe because they know in the first place that it will never push through, HUDCC only appproved of the idea just to cool us down and get the meeting over with. We already won something with this struggle. We made the developer rethink their position on the price of the housing units they're selling. Their original price of PhP 330,000 for a lot area of 35 sq. m. was decreased to PhP 240,000. They changed their formula to: 180,000 for the original house and lot price (based on the signed contract to sell), plus a PhP 1,000 every month for the rent since the unit was occupied, amounting to a total of PhP 60,000 (based on a document received from the developer). From their original stance of "take it or leave it," they re-computed the price to include what the original contract to sell shows (180,000). This offer is still not acceptable. We will continue until we received a just result. But if one will look at the whole struggle scenario, we can say that we had won initial phase.

Why the Government's Housing Program Failed

The low-cost and socialized housing program of the government is a failure!

The failure is shown basically by the number of foreclosed housing units. In 3 subdivisions in Sto. Tomas and Tanauan Batangas (Imperial Homes, Blue Isle, and Ramonita), 65% of the units have been foreclosed, and 10% more have received foreclosure notices from private developers and government housing agencies.

Where does the problem lie? Is it just because the loan borrowers are very irresponsible in paying their loans? Is it because the policies are not that strict that borrowers have the luxury of evading their obligations? Or is it due to factors other than the anti-social and anarchistic personality of the borrowers?

I want to point out first the status of the borrowers. Majority belong to the working class, ranging from the professionals, managers and supervisors, and down to the ranks, including the agency-hired workers (5 mos/5 mos), and others that do not receive their regular paycheck with regular amount (contractual and in rotation schedule).

All of the borrowers have been approved by the housing agencies for a loan because of their jobs. But come 2007 and onwards, specially the last part of 2008, the Global Financial Crisis kicked-in, affecting majority of the companies situated in the Calabarzon area. The business sector, with help from the government, implemented counter-crisis measures to safeguard their companies and their profit. These measures ranged from cost-reduction schemes, rotation of personnel, flexible scheduling, down-sizing, and closure.

With all of the above-mentioned schemes in saving companies' profits, the most affected are the workers. The workers' job security are sacrificed for profit. As a result, the workers buying capacity is also sacrificed. With a reduced income, to some, no income at all, the budget allotment of the family should also be down-sized and flexible enough to make ends meet. And among the most sacrificed expense is that for the housing loan. True enough, how can you sacrifice the budget for food, education, and utilities like water? never mind power because one can live without electricity.

Assessing the above statements, the logical explanation why the housing program failed is because it is marketed as big business by the investors, which is affected by the country's economy. The government cannot inter-twine into the same objective social service and profit, targeting reduction of the number of people without a house to live-in, and the real estate developers' quest for big profit.

Our lawmakers and public officials should be sincere in providing the basic necesities like shelter for a family. The laws should be revised to serve the people. If the present laws are not serving the people, then by all means let's have charter change. And moreover, let's have a systems change.

The Present State of our Housing Struggle (June 29)

We (South Meadows Homeowners Association, Inc.) had sought the help of two government agencies regarding our housing problem, the local government through the Office of the Mayor, and HUDCC. Both had given us favorable actions. We had negotiated with HUDCC to organize an inter-agency committee composed of HUDCC, HLURB, HGC, Pag-IBIG, Imperial Homes Corp., and us, to thresh-out solutions to our demands. The tentative schedule of the inter-agency meeting is on June 30, but HUDCC official, particularly Mr. Raymond Rodriguez of the Office of the Asst. to the Sec General Atty. Pam Felizarta, said that the meeting will have to be re-scheduled because the other govt. agencies had not yet responded. We'll have to follow this up 'coz this might be just a delaying tactic. But we had received concessions with regards to our other demand on eviction. They said that they will make actions to inform the concerned parties (Pag-IBIG and the developer, IHC) that until an agreement is made, there will be no eviction. We also had a meeting with the local government regarding this and they had the same position as HUDCC. So in summary, our initial actions on this housing struggle is a SUCCESS.

Copy of the Request Letter to the Local Government of Sto. Tomas Batangas regarding Housing

May 26, 2009

Hon. Edna Sanchez
Municipal Mayor
Municipality of Sto. Tomas
Province of Batangas

Sangguniang Bayan
Municipality of Sto. Tomas
Province of Batangas
Thru Hon. Armenius Silva
Vice Mayor

Greetings!

We, the members of the South Meadows Homeowners Association, Inc. (SMHAI), located at Imperial Homes, San Vicente Sto. Tomas Batangas, would like to seek the assistance of the local government through the Office of the Mayor and the Sangguniang Bayan regarding our housing problem.

There are 500 housing units in Imperial Homes, 30% of which are being amortized to Pag-ibig, 60% to the developer, Imperial Homes Corporation (IHC), and the remaining 10% comprises those whose houses are already paid and those that have updated monthly payments. The housing units that belong to Pag-ibig are already foreclosed due to non-payment of the monthly amortizations. The reasons for this are the insufficiency of our monthly income. Majority of the members that belong to this group have been retrenched from their work, others are undergoing implementation of the reduced work days and work hours (on rotation). Still others belong to the informal sector like drivers, peddlers, and from the agencies, which don’t have regular income. This is basically due to the Global Financial Crisis that affected the companies and factories, mostly in the Calabarzon area. Others receiving minimum wage still can’t cope with the high cost of living. The less than 300 pesos minimum wage cannot sustain all the family’s expenses within the day.

On the other hand, those belonging to the housing units being amortized to IHC have been threatened with eviction, if they will not accept the new payment scheme. In the year 1998, these housing units were not given a mortgage take-out by Pag-ibig due to non-completion of the subdivision’s facilities like potable water, complete drainage system, complete roads, and other amenities like the chapel, garden, basketball court, and playground. The houses cost 180,000 back then, for a 35 sq. m lot area. The SMHAI members already paid the reservation fees and other fees that they require for them to apply the loan from Pag-ibig (with corresponding receipts). Because they were not given a take-out, IHC mortgage these units to a bank, the Urban Development Bank or Urban Bank. After several years, these accounts (house and lot titles) were transferred to another bank, the Export Industry Bank, maybe through another loan. Then another transfer occurred, this time to Cameron Grandville, a financial institution. Come year 2009, they said they have already acquired back these accounts, which they are marketing under Premiere Fiesta Land, also owned by the Imperials. But the price now has ballooned to almost double (329,000) for the same lot area.

The SMHAI members cannot pay the housing units with this kind of payment scheme. The reason for this is the same as what is discussed above, insufficiency of the monthly income. Maybe others can exert extra effort to pay their houses for 30 years, but the issue is that we have the original notarized documents which stipulate the original price of the units, at 180,000. Moreover, nothing has changed within the subdivision. The amenities were not constructed and the facilities are still the same.

Our prayer:

Compel the developer to finish all amenities.
For those units belonging to IHC, sell them to the original occupants to the un-appraised value
For those units of Pag-ibig, implement a new loan re-payment scheme that incorporates the capacity to pay of the members
For all units amortized to Pag-ibig and IHC, implement a moratorium on eviction

As your constituents, we would like to seek the help of the local government to mediate between the concerned entities. We don’t want to leave our obligations behind in paying our houses. Also, we don’t want to have them for free. All we want is for us to pay them according to our capacity, and not based on the new rates which were too much for a minimum wage earner and those that have informal and irregular jobs.

Thank you very much and regards.

Sincerely,

Samuel R. Malizon Oscar L. Lasar
Secretary General President
(0922 7332803) (0920 4434620)

Discussion on the Philippine Housing Program (in tagalog)

I. MGA INTERNASYUNAL AT LOKAL NA BATAS UKOL SA PABAHAY

A. The International Covenant on Economic, Social, and Cultural Rights (ICESCR)

Ang Pabahay ay isang karapatan ng mamamayan na isinasaad ng “International Covenant on Economic, Social, and Cultural Rights,” isang kasunduan ng iba’t-ibang bansa sa ilalim ng United Nations tungkol sa pagkilala sa usapin ng Pabahay bilang isang Social Right ng mga mamamayan ng bawat bansa. Nakasaad sa Article 11 ng covenant na ito – “The States Parties to the present Covenant recognize the right of everyone to an adequate standard of living for himself (herself) and his (her) family, including adequate food, clothing, and housing, and to the continuous improvement of living conditions.” Ang Pilipinas ay signatory sa kasunduang ito. Ibig sabihin, lahat ng bansa na sumang-ayon at pumirma sa kasunduang ito ay marapat na ito’y ipatupad sa pamamagitan ng mga lokal na batas at polisiya. Marapat na kilalanin ng mga bansa bilang karapatan ang sapat na pamumuhay ng kanyang mga mamamayan. Kasama dito ang sapat na pabahay.

B. The United Nations Committee on Economic, Social, and Cultural Rights General Comment No. 4 and No. 7

Idinetalye din ng General Comment Nos. 4 at 7 ng UNCESCR ang karapatan sa sapat na pabahay. Ayon sa General Comment No. 4, “there are certain aspects of the right which must be taken into account in determining “adequate housing” and these include legal security of tenure; availability of services, materials, facilities, and infrastructure; affordability; habitability; accessibility; location and cultural adequacy.” Isinasaad ng General Comment No. 4 na ang sinasabing “adequate housing” ay nangangahulugan ng pagkakaroon ng legal na kaseguruhan sa paninirahan, pagkakaroon ng basic services tulad ng tubig at kuryente, at pagiging abot-kaya ng presyo ng bahay.

Ayon naman sa General Comment No. 7, “the committee made the conclusion that forced evictions are prima facie incompatible with the requirements of the Covenant and are considered violation of the right to adequate housing.” Ibig sabihin nito, ang sapilitang ebiksyon o pagpapa-alis sa bahay ay ‘di sang-ayon sa kasunduang pinirmahan ng mga bansa at ito ay nangangahulugang paglabag sa karapatan sa pabahay.

C. 1987 Philippine Constitution – Declaration of Principles and State Objectives

Nakasaad din sa Konstitusyon ng Pilipinas, “The State shall promote a just and dynamic social order that will ensure the prosperity and independence of the nation and free the people from poverty through policies that provide adequate social services, promote full employment, a rising standard of living, and an improved quality of life for all.” Sinasabi ng ating Konstitusyon na tungkulin ng estado o ng buong makinarya ng gobyerno, na siguraduhing masagana at malaya ang mga tao mula sa pananakop at sa kahirapan, sa pamamagitan ng mga batas o polisiya na magbibigay ng sapat na serbisyong panlipunan, magseseguro ng hanap-buhay para sa lahat, at mataas at sapat na uri ng pamumuhay. Kasama sa mga serbisyong ito ang desenteng pabahay.

Ayon sa mga batas na binanggit sa taas, ang Pabahay ay kinikilalang karapatan ng bawat tao na dapat bigyang kaseguruhan ng gobyerno, bilang pangunahing tagapangalaga ng mga karapatan ng mamamayan.

II. KASAYSAYAN NG PROGRAMANG PABAHAY NG GOBYERNO

Ang mga programang pabahay ng pamahalaan (low cost, socialized, abot kaya, CMP, SHDLP, atbp) ay nasa ilalim ng tinatawag na National Shelter Program o NSP. Itinatag ang NSP sa panahon ni Pangulong Aquino. Ito’y pinalawak sa panahon ni Pangulong Ramos at naging mayor na sagot ng pamahalaan sa problema ng pabahay. Ang isang programa ng NSP ay ang Unified Home Lending Program (UHLP). Ang HUDCC ang nangasiwa ng NSP, na noon din itinatag sa pamamagitan ng E.O. 90 ni Pangulong Aquino. Ayon sa datos ng HUDCC, natamo ang pinaka-malaking “mortgage take-outs” ng UHLP noong 1987 hanggang July 1996. Umabot ito ng PhP 45.6 B, 2.3 % ng kabuuang GNP ng bansa noong panahon na ‘yon. Malaking porsyento ng mamamayan na kumuha ng pabahay ay dumaan sa National Home Mortgage Finance Corp (NHMFC) o kaya’y sa Home Development Mutual Fund (Pag-ibig Fund). At karamihan ng nangutang ay mga miyembro ng Pag-ibig, SSS o GSIS, kung saan sila ay nagbabayad ng buwanang kontribusyon na binabawas sa kanilang mga sahod.

Saan naman galing ang pera na pinauutang o pinambabayad ng gobyerno sa mga “mortgage take-outs” ng mamamayan na kumukuha ng pabahay? Mula ng itatag ang NHMFC, umutang ito ng pera mula sa Pag-ibig sa interes na 12.75% bawat taon. Ito naman ay pinauutang ng Pag-ibig sa interes na hindi bababa sa 16%, at kapag lumampas sa deadline o due date, ay may karagdagang 6.7% kada araw na penalty computed sa monthly amortization. Pinagsama naman lahat ng programa sa pabahay sa ilalim ng UHLP, kung saan ang perang ginamit nito ay galing din sa SSS, GSIS, at Pag-ibig. Naglabas din ang gobyerno ng mga development loans sa mga private developers at builders, kung saan ang pera ay galing din sa SSS, GSIS, at Pag-ibig.

Malinaw sa mga naunang salaysay na ang mga miyembro ng SSS, GSIS, at Pag-ibig, ang syang bumuhay sa programa at industriya ng pabahay, at nagakyat pa ng ‘di matatawarang porsyento sa GNP ng bansa. Pera ng mga miyembro ng SSS, GSIS, at Pag-ibig ang siyang ipinautang sa mga nagnanais magkaroon ng bahay. Pera din ng mga miyembro ang ipinautang sa mga real estate developers upang makapagtayo ng mga subdivisions.

Ngunit bakit kapag nag-default ang mga SSS, GSIS, at Pag-ibig members sa pagbabayad ng monthly amortization, ay katakut-takot na banta ng foreclosure ang kanilang tinatanggap? Pinang-negosyo na nga ang kanilang mga pera, parang ginisa pa sa sariling mantika ang mga miyembro sa banta ng mga foreclosure at ebiksyon sa bahay na matagal nang binabayaran.

Sa kabilang banda, walang real estate developers ang napaparusahan o idinedemanda ng pamahalaan sa pagtatayo ng mga sub-standard na bahay at di-kumpletong mga pasilidad tulad ng sa Imperial, o mga subdibisyon na inilalagay sa peligro ang buhay ng mga homeowners katulad ng subdibisyon katabi ng quarry sites (Acacia Homes sa Calamba, Laguna), o gumuguhong mga bundok (Carissa Homes sa Bulacan).

III. SOLUSYON NG GOBYERNO SA MALAKING UTANG SA BAHAY

Ipinasa ng Kongreso ang RA 8501 o ang Housing Loan Condonation Act noong 1998. Ito ang sagot ng gobyerno sa malaking utang sa bahay ng taumbayan. Para mabayaran ang malaking utang sa Pag-ibig, SSS, o GSIS, ang isang miyembro ay mag-aaply dito. Ngunit base sa karanasan ng mga naunang gumamit nito, lalo lang silang nagipit dahil nagdoble o nagtriple pa ang naging monthly amortization. Ito ay dahil hindi binago ang interest rate na sobrang taas (hindi bababa sa 16%) at dahil din sa sistemang principalizing o compounded interest payments, o ang pagda-dagdag ng mga ‘di nabayarang interes bilang prinsipal, na muling tutubuan ng panibagong 16%.

Dahil batas na ang RA 8501, lahat ng mga ahensya ng gobyerno sa pabahay ay kailangang maglabas ng mga patakarang kamukha nito. Inilabas ng Pag-ibig ang HDMF Circular 193 at 194-B, o ang Pag-ibig Special Housing Loan Restructuring Scheme. Ang kaibahan lang nito sa RA 8501, ay may moratorium sa foreclosure na tatlong (3) taon, at may dacion en pago, kung saan boluntaryo mong ipinauubaya sa Pag-ibig na walang judicial proceedings ang bahay mo kapag nag-default ka ng tatlong (3) magkakasunod na buwan sa pagbabayad. Pagkatapos ng 3 taon, balik uli sa restructured rate ang monthly amortization. ‘Di na uli mababayaran ang buwanang hulog.

Ipinatupad ng Pag-ibig ang “Abot-Kamay Pabahay Program” bilang kapalit ng Loan Restructuring Scheme kung saan ang interes ay mula 6% hanggang 12%, na dating 16%. Ito daw ang paraan para maisalba ang mga bahay na na-foreclosed na.

Dahil hindi na nababayaran ang bahay, may marching order na ang mga housing agencies na mag-foreclose. Daang-libong bahay na ang na-foreclosed mula 2003. Ang mga foreclosed na bahay naman ay ibinebenta sa mga dayuhang mamumuhunan sa pabahay.

Ito ang sagot ng ating pamahalaan sa mga may utang sa Pag-ibig: Loan Re-structuring, Foreclosure kapag nag-default, at bentahan kapag ‘di na mabawi mula sa foreclosure, ibig sabihin, ebiksyon na dahil iba na ang may-ari.

IV. ANG ATING SOLUSYON SA ‘DI MABAYARANG UTANG SA BAHAY

Ang tanging solusyon ng taong bayan sa ‘di nababayarang utang sa pabahay ay ang pagbabago ng mga batas sa Pabahay. Batas na nakapasok ang sistema ng “Capacity To Pay” ng mga borrowers. Ibig sabihin, batas na kinokonsidera ang kakayanan ng mga tao sa pagbabayad. Porsyento lang ng kinikita ng isang empleyado sa isang araw ang dapat napupunta sa pagbabayad ng bahay. Halimbawa, kung ang isang tao ay kumikita ng 350 kada araw, porsyento lang nito ang dapat ibinabayad nya sa bahay sa isang araw, matapos alisin ang pambayad o panggastos sa mga pangunahing pangangailangan ng isang pamilya tulad ng pagkain, damit, kalusugan, edukasyon ng mga bata, at pambayad sa ilaw at tubig.

Ang solusyong ito ay kagyat na solusyon ng mamamayan. Ngunit ang ultimong patakaran sa usapin ng pabahay ay ang pagkakaloob ng bahay sa mamamayan ng libre. Ginagawa ito sa ibang bansa, at ito’y kaya ring gawin dito, kung gugustuhin lang ng gobyerno, dahil ang pondong gagamitin dito ay galing din sa kontribusyon ng mga tao.