One reader wants to discuss how we can prevent a housing bubble from occurring again. "I think we should talk about how a false housing boom can be prevented. I can think of some protective measures that could of prevented this false run-up of prices."

"Lenders use to have check and balances on to much speculation purchases. The flippers would not of been able to get 100% or low down loans in past markets. Can we have loose money without abuse ?"

"Since the housing market is tied to interest rates, should better protections be put in place on interest-only loans/ARM’s to prevent neg. equity potential, perhaps higher down payment requirements or insurance required to prevent loss."

"What percentage of a society can really afford home ownership under the best of circumstances? Should the tax laws be reformed to penalize flippers/investors for short term flips? Should realtors in practice be allowed to purchase property and sell them one month later, thereby creating a false market, without a penalty tax? Just making suggestions for possible discussions."