Government Needs To Stop Giving Money to the Banks and big Business.

Instead of bailing out the banks and investment companies, our government could Create bonds or if they are going to put some ungodly amount to be spent on bailouts, create dividends that would be given to home owners that are having problems paying their mortgage.
 

Set a terms that the home owner would have to apply for based on their situation.

If it is a bond, said bond would be set at a much lower interest rate then what the borrower is currently paying in order to make it affordable and be considered a second on their current mortgage.

If it's a dividend then the dividend would be considered taxable income.

The terms should be set that the only way that a home owner could use the dividend or bond would be to pay the bank or the investment company the complete amount of the dividend or bond on their mortgage.

The funding could go through a government assigned escrow account (similar to paying and receiving our federal tax) so it is tracked and paid out directly to the lender.

The banks would get their money, bail out the investors with the interest paid out, homes would be paid up to date and homeowners could save their homes.

For those who can afford their homes the government could offer them an additional tax saving benefit that way everyone benefits.

Our government should not only be thinking about the banks and the investment companies but the tax paying citizens / home owners and the businesses that took out the loans to begin with.