A new poll by CBS and our partner the New York Times shows that Americans are split on whether owning a home is a safe investment. 49 percent of those polled said it was, while 45 percent said that owning a home in this economic climate is risky. Despite that, nearly nine in ten Americans said that home ownership is vital to the American Dream. We asked Takeaway listeners whether or not they feel optimistic about buying a home right now, or if it's a smarter and safer bet to rent, and rounded up their responses. 

Today, we continue our week-long series on American values with an examination of land and home ownership. The desire to own land — dating back to the notion of “Manifest Destiny,” as newly-minted Americans spread west across the continent — has always been considered a fundamental American value. How has our government and culture reinforced this value? And is it still as important to our identity as Americans as it was in the days when our motto was “Go West, Young Man”?

• BUSINESS TAKEOUT: A year into the government's loan modification program, the Treasury's internal watchdog says the federal program might fail to prevent foreclosures. Meanwhile, private lender Bank of America announces major changes in how they will treat struggling homeowners. New York Times finance reporter Louise Story discusses whether the public or private sector is in the best position to heal the housing market.

• WASHINGTON TAKEOUT: Sure it's officially law, but that doesn't mean the Senate is going to give health care a rest. Our Washington Correspondent Todd Zwillich sat in on last night's 'vote-a-rama' where Republicans offered amendment after amendment in nine hours of non-stop voting designed to derail the final version of health care reform. He brings us the highlights and the final tally of votes.

Found your dream home out in the suburbs at a fantastic price?  Well, it may not be as cheap as you think.  According to a new study released yesterday by the U.S. Department of Housing and Urban Development, when you factor in the costs of transportation, only 1/3 of America's neighborhoods are actually considered affordable. (You can look up your own neighborhood in the just-released Housing + Transportation Affordability Index.)