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to use it for a year you want to own it for a longtime. as long as you're using it for a shelter and not the atm machine or a stock market that's okay. alison: that is a serious problem, people who have health crisis where they really needed to get a second mortgage, a third mortgage, a credit line of some sort they are underwater, they can't get anything. >> the news is out that the housing affordability index is way low, that means the younger generation can afford a house. how can you get a mortgage? nobody qualifies. people who are self-employed, they are showing two years of information it's not enough for the banks. if you give up a credit card that dumps your credit rating in the toilet. if you lower the amount of credit that dumps your credit in the toilet. nobody can get a loan. >> if we're not seeing the bottom until 2012, or six more years. >> at least five. alison: at least five more years as adam is saying what is the answer? what are people supposed to be doing. >> what the answer is you sit tight and try to get your cash

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