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Often times, more than not, in the course of finding a solution to one’s problems, one finds a solution to problems of many others

© • A fairy tale? ………Or…≥≥≥≥≥≥≥≥≥≥≥ 1 0f 24


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• … An idea which time has come!

• The telling of the fairy tale comes next and such it goes: • Once upon a time; In a land very, very near to us, there lived a human being that spoke every language of the world, past and present, he was so peculiar that he also wore upon his person every racial characteristic ever known to human kind. (Gray mater is a common denominator)

T

his human wished very much to have a

home that was

free-and-clear of financial

encumbrances, so that he and his family, could live, work

and flourish in a more 2 0f 24


3

creative way than is typically possible in the current way of doing everyday business.

S

uch

human

was

confounded

by

the

current mortgage crisis in ………………………..

***The United States of America*** for this is where he currently resided.

H

e

was further confounded by the fact that around the world the vast majority of humans had to struggle so much just to have a place they could call home. Humans, it seemed, were very territorial and unable to solve so many problems that in reality were no problem at all, (when

viewed with intelligence, unselfishness and wisdom.) 3 0f 24


4

O

ur human did not wish for a castle, a

mansion, a manor, or even a huge home with many unnecessary rooms. He simply wished

for

a

basic

residence

that……….

(could never be taken away, for any reason), where he could raise and educate his family.

H

is wish was in no way contrary to

what

is

now

currently

known

another fairy tale,………

as

with the

title of:………..

(***The American Dream***)

But

***The

American

Dream***

had

somehow

been

diminished to the degree that for many it had become more of a

nightmare.

They would work for many, 4 0f 24


5 many, many, many, many, many, many, years, in order to obtain a place they could call home and

suddenly!

found out that such home was constantly threatened by human

frailties

such

as

illness,

“bad

luck”,

procrastination, depression, accidents, acts of nature

we all know!!!!!!!!!!!!!!!!!

etc…etc… etc… etc…

One fine day;………………………………………….….

The FAIRY GOODFATHER OF FREE-AND-CLEAR, Appeared in his dreams and bestowed upon him a magic wand that if waved in a circular motion in the direction of every cardinal point of our universe, a powerful spell would be cast upon the earth.

S

uch powerful spell would open the mind’s

eyes of every human, and possibly that of any extraterrestrial in the universe, to the 5 0f 24


6

fact that, every problem in the universe can have fruitful solutions if looked at and experimented from many different angles,

and with intelligence, unselfishness and wisdom. (specially the problem of fair housing for all)

P

olitics, government forms, or other

philosophies, would not interfere or would be interfered upon by such a powerful spell, because the only thing sought by the spell was, the benefit of habitat for humanity.

(Darn humans! Our human pondered,)

w

e seem to live such short lives!

(Why not help each other to make our lives as pleasant as possible while we are on earth?) 6 0f 24


7

Later another reality might come, but for the short time that we are here, in touch with each other, It is not only nice but practical

and

sensible

to

help

one

another…mmmmmm……………………...can we make a list?.................................can we all help each

other

to

get

a

home?.......................................................................

A

ll the people

that were already working in humanitarian causes joined the list and all other human beings also joined the list and created the

trust fund and the (autonomous) non profit organization (autonomous means that it will follow government regulations but it is not ruled by it) and……….everyone…..

7 0f 24


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Lived………….a………..little……bit…..happier ….ever…ever….ever,

This is not really the end for other well designed fairy tales are currently coming true and other fairytales will be fabricated for the benefit of humanity.

The

Very Very End

Of the feudal system,,, 8 0f 24


9

……….The end…………. Of the dark ages………

But not, for it is only the beginning! A fairy tale? Or… … An idea which time has come! JUAN ALCALÁ SINCE THE DARK AGES MAN HAS MADE fantabulous ACHIEVEMENTS, DISCOVERIES, AND ADVANCES IN: SOCIAL

relationships,

LIGTENING FAST TRAVEL AND COMUNICATIONS WE HAVE TRAVELLED TO OUTER SPACE AND ARE ABLE TO SEE THROUGH SPACE TELLESCOPES FAR BACK IN TIME AND SPACE. One field where we are still stuck in the middle ages, “the dark ages” is the field of home ownership where we are still based on landlords and tenants, where the 9 0f 24


10 tenant/serf is still supposed to work for the feudal lord/landlord, for an entire lifetime only to acquire the right to own a place to call home “

The American Dream”

We must end this landlord/tenant syndrome; of course in general the landlord has changed faces becoming these commercial, faceless, financial giants we call banks and mortgage companies. This fairytale proposes a complete change of such system to a new system where there are only tenants, where no landlords are wanted or needed. This whole change will represent a peaceful and bloodless revolution where a gradual, civilized, change that will have several side effects whose effect will be a general benefit to humanity as a whole.

JUAN ALCALÁ (The dollhouse dude)© 02 / 03 / 2008 Possibly, this is the end of the feudal system

the creation and non-profit

of home ownership, as a result of

of a trust fund organization for its administration distribution, the organization’s function

and will 10 0f 24


11

be, the procurement of a home -as-

residence-only, for everyone. The whole system is based on a first come first served basis with no other consideration; Fame wealth or even appearance and influence are none existent in this method of distribution. Once this residence enters such method of possession, negotiated,

“not ownership,� it can not be

ever again,

in the real estate

market, as a source, of greed, envy or method of wealth building but it will only serve as a residence,

to

it’s

tenants,

as

long

as

the

residents/tenants wish to reside there, it can also be bestowed to family and heirs but only as a source of residence (not a source of monetary gain.)

11 0f 24


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The residents are free to move within the system as other residences become available and able to be traded without

on a one to one basis,

consideration

to

size,

location

or

general desirability of either residence. It is a

one to one trade

agreed upon by interested

parties.

(Remember there is no longer monetary value, to this residence but only residential value)

Residential value in the Fairy Godfather’s best judgment is immensely greater than monetary value. So there! The

administration

residence

will

be

of

run

such by

a

system

of

non-profit

organization, whose only function will be, in reality, to supervise the smooth transition of a resident, from one residence to another with in 12 0f 24


13

the

system,

or

to

the

distribution

of

new

residences to new tenants entering the system. This organization will in no way make rules as to how to live or who should move ore not move into the “neighborhood.� It will just simply supervise who is next in the list or line of residents,

The

Fairy

succession.

Most

Godfather

imagines, will want to keep their

current residence. The assignment of residences will be done strictly on a first come first served basis. The trading of residences will be done strictly on the will of the tenants involved in the transaction and supervised by the non-profit organization to assure a smooth transition. There will be two parts to the distribution of residences: Part

A and part B.

Part A of distribution 13 0f 24


14

(Current owners of a residence) If you currently own a property and wish to incorporate it to the free-and-clear system you must chose to surrender one half of your existing equity to the

trust fund

and take the

other half in cash, for the improvement of your life and property, in exchange for the privilege of your current mortgage being

paid off

completely

by the fund, to your current lending

institution or institutions (if more than one.)

Part B of distribution (Non owners of a residence) If one currently has no equity in a property or do not currently own property, one must 14 0f 24


15

simply

be

entered

in

a

lottery

that

will

incorporate ones name in a place in line/list, in order to receive distribution of a residence.

(Strictly based on a first come first served basis) Part

B

of distribution, shall follow as part A of

distribution is exhausted or if a separate trust fund is created for its implementation and will eventually merge with part

A of distribution.

The important point to remember is that this residences or dwellings will never again be used as objects of trade or method of wealth-building but only as a place in which to live and work from. Such residence will be free-and-clear of any mortgage or rent obligation and will never again be used as an object of trade or commerce. All

other

obligations

pertinent

to

maintenance, taxes and city codes, will still remain the responsibility of the tenant. 15 0f 24


16

A percentage of the fund can be used to help tenants with some maintenance and legal issues as needed. Since this is a new way to approach tenancy of a home, creative ideas for the improvement of such system will be incorporated as long as no financial pressure is put on the residence or the tenant. No rules, that are different from the existing city codes, shall be imposed upon the tenants, by the (Autonomous) non-profit organization as a condition of tenancy. I find that there is a need for the elimination of red tape and obstacles, in order to simply have a place in which to dwell, therefore I propose that there will be no requirements of payment

or

financial

obligation

related

to

mortgage or rent of any kind, in order to belong to this system.

16 0f 24


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The only requirement is to be a human being that will use this (“property that nobody owns,�) only as a base in which to reside and to work from. The (Autonomous) non-profit organization that administrates this system of dwelling is also

not

allowed to serve as an organization of

ownership that will use the housing acquired as a form of commerce. It will hold all trust deeds or deeds of ownership, in the name of the residents

only

as

a

depository,

not

as

a

proprietor, until a new system for recording properties

is

devised.

(There

is

no

longer

ownership of real property but ownership of residence for a unspecified period of time.) In very few words we all own only the privilege of having a place to live in, free and clear of the typical encumbrances that are present in our current way of trading in real-

17 0f 24


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estate. Taxes and insurance still apply and to be paid by the resident.

In order to disassociate this way of thinking about property with any form of politics or way of

government,

“***Idea***”

we

must

explain

this

as a simple fairy tale that can

some day come true, provided that enough people are spellbound by its message and are thus willing to embrace it.

o One must be careful to realize that this is only

a

fairy

tale

and

that

any

resemblance to our current reality is merely a coincidence, therefore one must not “have a cow”, “get over exited”,

“assume that this is a plot to rule the world”, or even have any worries about it. 18 0f 24


19

o o However, in the remote possibility that that this fairytale does come true, it can turn into a powerful reality that will change the concept of ownership of a home

as

a

source

of

greediness,

speculation, and wealth, to the concept of a home as a simple base or residence from which each family or individual can and will work, for there will be a stronger incentive to work, for one’s self and for others. o o

AT

THIS

POINT

OUR

FAIRYTALE NEEDS TO BE RETOLD MANY, MANY, MANY TIMES o 19 0f 24


20

• The telling of the fairy tale comes next and such it goes: • Once upon a time; in a land very, very near to us, there lived a human being that spoke every language of the world, past and present, he was so peculiar that he also wore upon his person every racial characteristic ever known to human kind. (Gray mater is a common denominator) • This human wished very much to have a home that was

free-and-clear of financial

encumbrances, so he and his family, could live, work

and flourish in a more creative

way than is typically possible in the current way of doing everyday business. • Such human was confounded by the current mortgage crisis in …………………………………… • 20 0f 24


21

***The United States of America*** • For this is where he currently resided. He was further confounded by the fact that around the world the vast majority of humans had to struggle so much just to have a place they could call home. Humans, it seemed, were very territorial and unable to solve so many problems that in reality were no problem at all, (when viewed with

intelligence, unselfishness and wisdom.) • Our human did not wish for a castle, a mansion, a manor, or even a huge home with many unnecessary rooms. He simply wished for a basic residence that (could never be taken away, for any reason), in which to raise and educate his family.

• His wish was in no way contrary to what is currently known

as another fairy

tale, with the title of: 21 0f 24


22

(***The American Dream***) • But

had somehow been diminished to the degree that for many it had become more of a ***The American Dream***

nightmare!

They would work for many, many,

many, many, many, many, many, many years, in order to obtain a place they could call home and

suddenly!

found out that such home was constantly threatened by human frailties such as illness, “bad luck”, procrastination, depression, accidents, acts of nature etc…etc… etc… etc…

we all know!!!!!!!!!!!!!!!!!

One fine day; The FAIRY GOODFATHER OF FREE-AND-CLEAR, Appeared in his dreams and bestowed upon him a magic wand that if waved in a circular motion in the direction of every cardinal point of our universe, a powerful spell would be cast upon the earth. Such powerful spell would open the mind’s eyes of every human, and possibly that of any extraterrestrial in the universe, to the fact that, every problem in the universe can 22 0f 24


23

have fruitful solutions if looked at and

experimented from many different angles, and with intelligence, unselfishness and wisdom. (Specially the problem of fair housing for all)

Politics, government forms, or other philosophies, would not interfere or would be interfered upon by such a powerful spell, because the only thing sought was the benefit of habitat for humanity.

(Darn humans! Our human pondered,) We seem to live such short lives! Why not help each other to make our lives as pleasant as possible while we are on earth?)

Later another reality might come!

But for the short time that we are here in touch with each other. It is not only nice but practical and sensible to help one another…mmmmmm……………………...can we make a list?........................can we all help each other to get a home?............................................. 23 0f 24


24

All the people that were already working in humanitarian causes joined the list and all other human beings also joined the list and created the trust fund and the non profit organization and……….everyone….. Lived...…….a…………..little……bit…..happier… .ever…..ever….ever…, after, after, after, after.

This is not really the end for other well designed fairy tales are currently coming true and other fairytales will be fabricated for the benefit of humanity.

Maybe…………..? 24 0f 24


The United World of Free and Clear