Tuesday, December 21, 2010
In the recent tax bill signed by President Obama, there were $8 billion in earmarks.
My suggestion is for members of Congress to forgo the earmarks and use the money to buyout all existing loans and through the U.S. Department of Education restructure the loans to the original amount of the loan minus payments made to the principal and adding predetermined accrued simple interest since the time the loan was granted and set the loan at simple interest high enough to make the program self supporting and low enough to make higher payments on the principal.
This will result in a much better approval rate for Congress, be beneficial to constituents and improve the economy by having the loans repaid much earlier and making it possible for the purchase of luxury items.
A CALL TO ACTION
I ask all my blogging friends to send messages to their Senators and Representatives. Click here for a list of addresses for your Congressperson.
Friday, December 17, 2010
Thursday, December 9, 2010
According to news sources, more money is owed on student loans than on outstanding credit card debt.
One student borrowed $255,000 to become a doctor and upon graduation owed an outrageous $555,000. Students are in debt for most of their working lives. This is a disgraceful situation that needs to be changed.
So what's an alternative?
The Department of Education should grant student loans at a simple rate of interest-- high enough to make the program self supporting and low enough for students to make substantial payments on the principal.
Thursday, December 2, 2010
Sunday, November 21, 2010
Saturday, November 6, 2010
Thursday, November 4, 2010
Tuesday, November 2, 2010
Tuesday, October 5, 2010
Therefore, it is important that every one who pays Social Security taxes to send a message to President Obama to take Social Security off budget in his budget proposal presentation to Congress for the next fiscal year.
This and more in my recently published book, For A Better America:Observations, Insights and a Plan for Action by A Ninety Five Year Old American, available at Barnes and Noble . com
Monday, September 27, 2010
In late April 2007, news of a scandal was reported that financial aid officers in a number of prestigious and renowned institutions of higher learning were taking “kickbacks from lenders of Student Loans,” and the disgusting aspect of this horrible thievery was that the students were paying for it.
How much lower can people stoop for monetary gain?
If the financial aid officers involved have not been fired, they should have been.
Difficult to understand is the method by which students borrow money to subsidize college and postgraduate education. Following completion of their training, they are required to repay the loans at a compounded rate of interest. The result is the government is cheating itself because in addition to repaying the loan, the former student probably will be making mortgage and car payments that leave little or no means for consumer spending.
One former student bemoaned his situation to the point that his student loan of $45,000 had escalated to $104,000 with the end not in sight!
This impacts the gross national product and slows down the economy.
To improve this condition, there should be added a section in the U.S. Department of Education for granting student loans at the lowest possible rate of simple interest that would make the process self-supporting and at no cost to the government.
This is similar to small business loans granted to people who want to start their own business except that granting student loans is an investment in the future of students who will be our members of Congress, mayors, governors, city council persons, presidents, etc. There is little doubt that the repayment rate would improve immeasurably.
It is recommended that the National Education Association and all teachers unions unite and put pressure on the government to grant loans at a reasonable rate of simple interest. This will ultimately be beneficial to the government, the student, and society.
Change is in order.
Saturday, September 4, 2010
Gene Di Cerbo
Friday, August 27, 2010
Saturday, July 24, 2010
Congress has no conscience. For ten years it refused to increase the minimum wage for government migratory farm workers and gave as a reason it was bad for business. Now it has stolen from the Social Security fund to the extent that beneficiaries who have paid into the fund all of their working years have not been able to receive a COLA for 2010 and perhaps 2011. Also there appears to be efforts to reduce benefits .What happened to Lincoln’s concept of a nation of the people, by the people and for the people?
The solution is to inundate the White House, the president, with letters, telephone calls, telegrams, E-Mails, Facebook, blogs and any other communicable methods to urge President Obama to take Social Security off budget where it was before Lyndon Johnson put it on budget. Thus Bernanke and his thieving friends in Congress cannot use Social Security funds for budgetary purposes.
This and more in my book For a Better America: Observations, Insights and a Plan for Action by a 95 Year Old American.
Wednesday, July 21, 2010
Monday, June 21, 2010
I am pleased to share that I just finished up my first interview about my book. A very warm gentleman, Craig from The Pittsburgh Tribune-Review contacted my daughter who is handling the press for me and expressed an interest in doing a story.
As I said to Craig, selling books is not necessarily my priority-fostering change for the betterment of our country is my main objective. Although please feel free to purchase a copy of the book and join in the movement to make America even better! To purchase my book just click right here. Buy book
I'll provide a link to the story when it comes out in a few weeks.
Thanks for stopping by.
Saturday, May 29, 2010
In order to avoid this insidious practice, I urge all senior citizen groups including AARP and others
to unite in putting pressure on Congress to take Social Security and Medicare off budget. This will prevent " borrowing " funds from Social Security and Medicare for bugetary purposes as explained in my newly published book For a Better America: Observations, Insights and a Plan for Action by a 95 year Old American available at Barnes and Noble . com
Your comments are welcomed.
Eugene C. Di Cerbo
Sunday, May 9, 2010
They should be processed through our U.S.District Courts and placed on probation for about three years during which time they will be supervised by a U.S. Probation Officer and their whereabouts will be known at all times. During this period they will be encouraged to learn English and then be encouraged to become naturalized citizens as described in my book entitled For A Better America: Insights Observations and a Plan for Action by a Ninety Five Year Old American, now available at Barnes and Noble.com.
During the period of probation, if they are convicted of violating another of our laws they will face deportation to their native land.
Tuesday, April 20, 2010
I'm glad to be back blogging. My absence was due to tying up loose ends with my publisher. Now that things are resolved, I'll be more attentive to my blog and you, my followers. Also, I added an option to subscribe. To get notice of when I write a new post, make sure you sign up!
I'm looking for two things in regard to this post. The first is feedback on this idea and the second, is information on how to get this questionnaire on a national election ballot. I welcome your reactions, thoughts and ideas. Please feel free to share on your own blogs, Twitter or Facebook pages.
This questionnaire is from my book, now available, "For A Better America: Observations, Insights, and a Plan for Action by a 95 Year Old American."
In view of the numerous issues that are dividing our country, it was felt expedient to compile the following questionnaire regarding these issues to be added to the ballot of the 2012 presidential election to ascertain the will of the people. The results will be sent to Congress to make amendments to the constitution and enact new laws in accordance with the will of the people. When the will of the people is ascertained, Congress can then make the necessary changes.
There will be three choices in the voting, Yes, No and Undecided.
Should English be declared the official language of the
Should a Citizens Commission with full powers of a grand jury be established to oversee the affairs of government?
Should there be term limits for members of Congress ?
Should there be a retirement age for U.S. Supreme Court Justices?
Should Riders to bills of legislation be banned by Congress?
Should marriage be the union of one man and one woman?
Should Partial Birth Abortion be banned?
Should the words “ under God “ remain in the Pledge of Allegiance to the flag of the
Should the Pledge of Allegiance to the flag of the
Should nativity scenes be permitted in public places at Christmastime?
Should prayer be permitted in schools under specified conditions?
Should the Ten Commandments be permitted to be displayed in public places?
Should the policy of Separation of Church and State be more specifically defined?
Should the policy of Religious Liberty be more clearly defined?
Should the constitutional privilege of Freedom of Speech be more clearly defined?
Should efforts be made to reduce the amount of sexual content in television programs,
movies, print and video media?
Should an application for naturalization require that an applicant be literate in English?
Should an applicant for a driver’s license be able to read and understand all road signs?
Should the word “ God “ remain on the currency of the
Should the words “ So help me God “ remain in the inauguration oath of a new president and swearing in of government officials?
Should the words “ So help me God “ remain in the oath a person takes when testifying?
Should members of Congress and all officials of government be placed under the jurisdiction of the Office of Personnel Management the same as all other government employees for such matters as pensions, social security, health benefits annual cost of living increases and any other so called fiscal matters?
Should the power of Executive Pardon be amended to require the consent of a majority vote of the United States Senate?
Should there be a National Day of Prayer?
So what do you think?
Monday, March 8, 2010
Sunday, February 28, 2010
We should all write letters, send E-Mails, make telephone calls to our members of Congress telling them that we do not want cuts to Medicare or tampering with Social Security and fund that we support a Health Care Plan that covers all of our people by reducing the billions of dollars the United States gives to foreign countries.
Citizens Against Government Waste, an advocacy group has an eight page report regarding
savings against wasteful spending.
With the reduction of moneys given to foreign countries and savings according to Citizens Against Government Waste we can afford Health Care for every American citizen.
Tuesday, February 16, 2010
In 1951 Congress limited the number of terms a President may serve but did not limit the number of terms a member of Congress may serve. It made it possible for them to have lifetime careers by the despicable practice of adding Riders to bills of legislation in which were added pork barrel projects that were unnecessary and a waste of taxpayers money amounting to billions of dollars. This ingratiated themselves with constituents back home assuring them of lifetime careers. The reprehensible aspect of this is that term limits can only be made by Congress. It is like Congress saying to its members, " Stop the gravy train and everybody get off."
Saturday, February 13, 2010
Monday, January 25, 2010
Monday, January 18, 2010
Sunday, January 10, 2010
A perfect example was the contest with Carrie Underwood when Simon asked if country was the only type of song she could sing.Duh! She was a country singer, what else was expected of her?
Why are there four judges to comment on the performance of the contestants? It is a distraction and unnecessary.Three are more than sufficient.
Lastly, there is the unrealistic voting process that permits the same voter to vote multiple times simply by redialing. To make the voting more realistic, there should be a restriction on the number of votes that can be cast from the same phone as in all other contests on TV.
If the producers don't exercise more realism, there is danger that they will cook the goose that lays the golden eggs.