まず英語の原文↓↓↓ Hi, everybody. Over the past month, I’ve been visiting towns across America, talking about what our country needs to do to secure a better bargain for the middle class.
This week, I met with high school and college students in New York and Pennsylvania to discuss the surest path to the middle class – some form of higher education.
But at a moment when a higher education has never been more important, it’s also never been more expensive. That’s why, over the past four years, we’ve helped make college more affordable for millions of students and families with grants and loans that go farther from before.
But students and families and taxpayers cannot just keep subsidizing college costs that keep going up and up. Not when the average student now graduates more than $26,000 in debt.
We cannot price the middle class out of a college education. That’s why I proposed major new reforms to make college more affordable and make it easier for folks to pay for their education.
First, we’re going to start rating colleges based on opportunity – are they helping students from all kinds of backgrounds succeed, and on outcomes – their value to students and parents. In time, we’ll use those ratings to make sure that the colleges that keep their tuition down are the ones that will see their taxpayer funding go up.
Second, we’re going to jumpstart competition between colleges over innovations that help more students graduate in less time, at less cost, while maintaining quality. A number of schools are already testing new approaches, like putting more courses online or basing course credit on competence, not just hours spent in the classroom.
And third, we’re going to help more students responsibly manage their debt, by making more of them eligible for a loan repayment program called Pay-As-You-Earn, which caps your loan payments at 10 percent of what you make. And we’ll reach out directly to students to make sure they know that this program exists.
These reforms won’t be popular with everybody. But the path we’re on now is unsustainable for our students and our economy.
Higher education shouldn’t be a luxury, or a roll of the dice; it’s an economic imperative that every family in America should be able to afford.
まず英語の原文↓↓↓ Hi, everybody. Over the past few weeks, I’ve been visiting with Americans across the country to talk about what we need to do to secure a better bargain for the middle class.
We need to rebuild an economy that rewards hard work and responsibility; an economy built firmly on the cornerstones of middle-class life. Good jobs. A good education. A home of your own. A secure retirement. And quality, affordable health care that’s there when you need it.
Right now, we’re well on our way to fully implementing the Affordable Care Act. And in the next few months, we’ll reach a couple milestones with real meaning for millions of Americans.
If you’re one of the 85% of Americans who already have insurance, you’ve already got new benefits and protections under this law that you didn’t before. Free checkups, mammograms, and contraceptive care. Discounted prescription medicine on Medicare. The fact you can stay on your parents’ plan until you turn 26. And much, much more. And it’s okay if you’re not a fan of the Affordable Care Act – you can take advantage of these things anyway.
If you don’t have insurance, beginning on October 1st, private plans will actually compete for your business. You can comparison shop in an online marketplace, just like you would for cell phone plans or plane tickets. You may be eligible for new tax credits to help you afford the plan that’s right for you. And if you’re in the up to half of all Americans who’ve been sick or have a preexisting condition, this law means that beginning January 1st, insurance companies have to cover you – and they can’t use your medical history to charge you more than anybody else.
You can find out more about the law, and how to sign up to buy your own coverage right now at HealthCare.gov. Tell your friends and neighbors without insurance about it, too. And tell your kids that there’s a new, easy way to buy affordable plans specifically tailored to young people.
Many Members of Congress, in both parties, are working hard to inform their constituents about these benefits, protections, and affordable plans. But there’s also a group of Republicans in Congress working hard to confuse people, and making empty promises that they’ll either shut down the health care law, or, if they don’t get their way, they’ll shut down the government.
Think about that. They’re actually having a debate between hurting Americans who will no longer be denied affordable care just because they’ve been sick – and harming the economy and millions of Americans in the process. And many Republicans are more concerned with how badly this debate will hurt them politically than they are with how badly it’ll hurt the country.
A lot of Republicans seem to believe that if they can gum up the works and make this law fail, they’ll somehow be sticking it to me. But they’d just be sticking it to you.
Some even say that if you call their office with questions about the law, they’ll refuse to help. Call me old-fashioned – but that’s lousy constituent service. And it’s not what you deserve.
Your health insurance isn’t something to play politics with. Our economy isn’t something to play politics with. This isn’t a game. This is about the economic security of millions of families.
See, in the states where governors and legislatures and insurers are working together to implement this law properly – states like California, New York, Colorado and Maryland – competition and consumer choice are actually making insurance affordable.
So I’m going to keep doing everything in my power to make sure this law works as it’s supposed to. Because in the United States of America, health insurance isn’t a privilege – it is your right. And we’re going to keep it that way.
まず英語の原文↓↓↓ Hi, everybody. For the past few weeks, I’ve been visiting folks across America to talk about what we need to do as a country to secure a better bargain for the middle class.
I’ve been laying out my ideas for how we can build on the cornerstones of what it means to be middle class in America. A good job. A good education. Affordable health care when you get sick. A secure retirement even if you’re not rich. And the chance to own your own home.
This week, I went to Arizona and California, two of the states hit hardest when the housing bubble burst, triggering the recession. All across the country, millions of responsible Americans were hurt badly by the reckless actions of others. Home values plummeted. Construction workers were laid off. And many families lost their homes.
Over the past four years, we’ve worked to help millions of responsible homeowners get back on their feet. And while we’re not where we need to be yet, our housing market is beginning to heal. Home prices and sales are rising. Construction is up. Foreclosures are down. Millions of families have come up for air because they’re no longer underwater on their mortgages.
Now we have to build on this progress. Congress should give every American the chance to refinance at today’s low rates. We should help more qualified families get a mortgage and buy their first home. We should get construction workers back on the job rebuilding communities hit hardest by the crisis. And we should make sure that folks who don’t want to buy a home have decent, affordable places to rent.
As home prices rise, we have to turn the page on the bubble-and-bust mentality that created this mess, and build a housing system that’s rock-solid and rewards responsibility for generations to come. We need to wind down the companies known as Fannie Mae and Freddie Mac, make sure private capital plays a bigger role in the mortgage market, and end the era of expecting a bailout after your pursuit of profit puts the whole country at risk. We need to preserve access to safe and simple mortgages like the 30-year, fixed-rate mortgage. We need to keep laying down rules of the road that protect homeowners when they’re making the biggest purchase of their lives. And finally, Congress needs to confirm Mel Watt to be our nation’s top housing regulator, so that he can protect consumers and help responsible lenders provide credit.
No program or policy will solve all the problems in a multi-trillion dollar housing market, and it will take time to fully recover. But if we work together, we can make a home a source of pride and middle-class security again. And if Washington is willing to set aside politics and focus on what really matters, we can rebuild an economy where if you work hard, you can get ahead.
まず英語の原文↓↓↓ , everybody. This week, I went down to an Amazon warehouse in Tennessee to talk more about what we need to do to secure a better bargain for the middle class – to make sure that anyone who works hard can get ahead in the 21st century economy.
Over the past four and a half years, we’ve fought our way back from the worst recession of our lifetimes and begun to lay a foundation for stronger, more durable economic growth. Today, our businesses have created 7.3 million new jobs over the last 41 months. We now sell more products made in America to the rest of the world than ever before. Health care costs are growing at the slowest rate in 50 years, and our deficits are falling at the fastest rate in 60 years.
But as any middle-class family will tell you, we’re not where we need to be yet. Even before the crisis hit, we were living through a decade where a few at the top were doing better and better, while most families were working harder and harder just to get by.
Reversing this trend must be Washington’s highest priority. It’s certainly mine. But too often over the past two years, Washington has taken its eye off the ball. They’ve allowed an endless parade of political posturing and phony scandals to distract from growing our economy and strengthening the middle class.
That’s why I’m laying out my ideas for how we can build on the cornerstones of what it means to be middle class in America. A good education. A home of your own. Health care when you get sick. A secure retirement even if you’re not rich. And the most important cornerstone of all: a good job in a durable, growing industry.
When it comes to creating more good jobs that pay decent wages, the problem is not a lack of ideas. Plenty of independent economists, business owners and people from both parties agree on what we have to do. I proposed many of these ideas two years ago in the American Jobs Act. And this week, I put forward common-sense proposals for how we can create more jobs in manufacturing; in wind, solar and natural gas; and by rebuilding America’s infrastructure.
What we’re lacking is action from Washington. And that’s why, in addition to proposing ideas that we know will grow our economy, I’ve also put forward a strategy for breaking through the Washington logjam – a “grand bargain” for the middle class.
I’m willing to work with Republicans to simplify our tax code for businesses large and small, but only if we take the money we save by transitioning to a simpler tax system and make a significant investment in creating good, middle-class jobs. We can put construction workers back on the job rebuilding our infrastructure. We can boost manufacturing, so more American companies can sell their products around the world. And we can help our community colleges arm our workers with the skills they need in a global economy – all without adding a dime to the deficit.
I’ll keep laying out my ideas to give the middle class a better shot in the 21st century, and I’ll keep reaching out to Republicans for theirs. But gutting critical investments in our future and threatening national default on the bills that Congress has already racked up – that’s not an economic plan. Denying health care to millions of Americans, or shutting down the government just because I’m for keeping it open – that won’t help the middle class.
The truth is, there are no gimmicks when it comes to creating jobs. There are no tricks to grow the economy. Reversing the long erosion of middle-class security in this country won’t be easy. But if we work together and take a few bold steps – and if Washington is willing to set aside politics and focus on what really matters – we can grow our economy and give the middle class a better bargain. And together, we can make this country a place where everyone who works hard can get ahead.