Yesterday President Obama unveiled his $275 billion plan to help millions of homeowners refinance their mortgages or avoid foreclosure. President Obama's plan claims to be simple, but it's not. Luckily we have Alvin Hall, personal finance adviser and Takeaway contributor, who has been up all night reading through the plan. Also joining us for his first-hand account is Carlos Saenz, a homeowner struggling to pay his mortgage in Orlando, Florida.

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