I said last year that if you look at the statistics, there are five things that you need in order to call yourself “middle class” in America today, to be living the American Dream:

●       a job;

●       a home;

●       health coverage;

●       a car; and

●       some kind of pension, retirement plan or 401(k).

Let’s talk for a moment about the second of these, owning a home.

The foreclosure plague is now entering its fifth year.  In 2005, there were fewer than 50,000 foreclosure sales in America.  By 2008, the number was almost a million, and it has remained close to or more than a million every year since.

Think about it.  A million families in America are losing their homes each year.   You never hear about it.  No one seems to care.