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<div id="content">
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<h1>
<img src="http://www.barackobama.com/images/issues/family.jpg" alt="Family Image">
</h1>
<div id="page_content">
<div id="issues" class="family">
<h2>
Strengthening
Families
and
Communities
</h2>
<blockquote>
<p>
“"...at
the
dawn
of
the
21st
century
we
also
have
a
collective
responsibility
to
recommit
ourselves
to
the
dream;
to
strengthen
that
safety
net,
put
the
rungs
back
on
that
ladder
to
the
middle-class,
and
give
every
family
the
chance
that
so
many
of
our
parents
and
grandparents
had.
This
responsibility
is
one
that's
been
missing
from
Washington
for
far
too
long
--
a
responsibility
I
intend
to
take
very
seriously
as
President."”
</p>
<p>
<cite>
—
Barack
Obama,
Spartanburg,
SC,
June
15,
2007
</cite>
</p>
</blockquote>
<div id="at_glance_container">
<h3>
At
a
Glance
</h3>
<div class="at_a_glance l">
<ul>
<li>
<a href="#support-families">
Support
Working
Families
</a>
</li>
<li>
<a href="#strong-schools">
Strengthen
Our
Schools
</a>
</li>
<li>
<a href="#help-stay-healthy">
Help
American
Families
Stay
Healthy
</a>
</li>
<li>
<a href="#protect-homeownership">
Protect
Homeownership
</a>
</li>
<li>
<a href="#families-at-home">
Strengthen
Families
at
Home
</a>
</li>
<li>
<a href="#strengthen-retirement">
Strengthen
Retirement
Security
</a>
</li>
</ul>
<br />
<p>
Speak
your
mind
and
help
set
the
policies
that
will
guide
this
campaign
and
change
the
country.
</p>
<ul>
<li>
<a href="http://my.barackobama.com/page/s/mypolicy">
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<i>
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</i>
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</div>
<div class="clear-both">
</div>
<h3>
The
Problem
</h3>
<p>
Over
the
last
few
decades,
too
many
American
families
have
worked
hard
their
whole
lives
only
to
find
that
sometimes
the
game
is
rigged
against
them.
Too
many
rungs
have
been
removed
from
the
ladder
to
middle-class
security,
and
the
safety
net
that's
supposed
to
break
any
falls
has
grown
badly
frayed.
Many
families
face
increased
anxiety
when
it
comes
to
paying
medical
bills
or
balancing
their
home
and
work
life
or
finding
ways
to
send
their
children
to
college.
At
the
same
time,
others
have
tumbled
into
poverty,
watching
jobs
disappear,
and
the
chances
for
their
children's
success
slip
further
and
further
away.
</p>
<p>
Providing
these
families
with
the
same
chances
that
previous
generations
have
had
is
a
daunting
challenge,
but
it
is
certainly
one
we
can
meet.
Barack
Obama
and Joe Biden
will
bring
the
much
needed
leadership
and
vision
to
Washington
to
finally
restore
the
promise
of
the
American
Dream
to
all
American
families.
</p>
<h3>
Barack
Obama's
Obama and Joe Biden's
Plan
</h3>
<a name="support-families">
</a>
<h4>
Support
Working
Families
</h4>
<p>
<strong>
Provide
a
"Making
Work
Pay"
Tax
Cut
for
America's
Working
Families:
</strong>
Obama
Barack Obama and Joe Biden
will
restore
fairness
to
the
tax
code
and
provide
150
million
workers
the
tax
relief
they
need.
Obama
and Biden
will
create
a
new
"Making
Work
Pay"
tax
credit
of
up
to
$500
per
person,
or
$1,000
per
working
family.
The
"Making
Work
Pay"
tax
credit
will
completely
eliminate
income
taxes
for
10
million
Americans.
</p>
<p>
<strong>
Raise
the
Minimum
Wage
to
$9.50
an
Hour
by
2011:
</strong>
Barack
Obama
believes
and Joe Biden believe
that
people
who
work
full
time
should
not
live
in
poverty.
Before
the
Democrats
took
back
Congress,
the
minimum
wage
had
not
changed
in
10
years.
Even though the minimum wage will rise to $9.50 an hour by 2011, the minimum wage's real purchasing power will still be below what it was in 1968.
As
president,
Obama
will
further
raise
the
minimum
wage,
index
it
to
inflation and increase the Earned Income Tax Credit to make sure that full-time workers can earn a living wage that allows them to raise their families and pay for basic needs such as food, transportation, and housing -- things so many people take for granted.
inflation.
</p>
<p>
<strong>
Expand
the
Earned
Income
Tax
Credit:
</strong>
In
both
the
Illinois
State
Senate
and
the
U.S.
Senate,
Obama
has
championed
efforts
to
expand
the
EITC,
which
is
one
of
the
most
successful
anti-poverty
programs
to
date.
As
president,
Obama
will
reward
work
by
increasing
the
number
of
working
parents
eligible
for
EITC
benefits,
increasing
the
benefit
available
to
parents
who
support
their
children
through
child
support
payments,
and
reducing
the
EITC
marriage
penalty
which
hurts
low-income
families.
Under
the
Obama
Obama-Biden
plan,
full-time
workers
making
minimum
wage
would
get
an
EITC
benefit
up
to
$555,
more
than
three
times
greater
than
the
$175
benefit
they
get
today.
If
the
workers
are
responsibly
supporting
their
children
on
child
support,
the
Obama
Obama-Biden
plan
would
give
those
workers
a
benefit
of
$1,110.
</p>
<p>
<strong>
Expand
Paid
Sick
Days:
</strong>
Half
of
all
private
sector
workers
have
no
paid
sick
days
and
the
problem
is
worse
for
employees
in
low-paying
jobs,
where
less
than
a
quarter
receive
any
paid
sick
days.
Barack
Obama
and Joe Biden
will
require
that
employers
provide
seven
paid
sick
days
per
year.
</p>
<p>
<strong>
Expand
the
Family
and
Medical
Leave
Act
(FMLA):
</strong>
The
FMLA
covers
only
certain
employees
of
employers
with
50
or
more
employees.
Barack
Obama
and Joe Biden
will
expand
the
FMLA
to
cover
businesses
with
25
or
more
employees.
Barack
Obama
and Joe Biden
will
expand
the
FMLA
to
cover
more
purposes
as
well,
including
allowing
workers
to
take
leave
for
elder
care
needs;
allowing
parents
up
to
24
hours
of
leave
each
year
to
participate
in
their
children's
academic
activities
at
school;
allowing
leave
to
be
taken
for
purposes
of
caring
for
individuals
who
reside
in
their
home
for
6
months
or
more;
and
expanding
FMLA
to
cover
leave
for
employees
to
address
domestic
violence
and
sexual
assault.
</p>
<p>
<strong>
Encourage
States
to
Adopt
Paid
Leave:
</strong>
As
president,
Barack
Obama
will
initiate
a
50
state
strategy
to
encourage
all
of
the
states
to
adopt
paid-leave
systems.
Obama
and Biden
will
provide
a
$1.5
billion
fund
to
assist
states
with
start-up
costs
and
to
help
states
offset
the
costs
for
employees
and
employers.
</p>
<p>
<strong>
Expand
High-Quality
Afterschool
Opportunities:
</strong>
Barack
Obama
and Joe Biden
will
double
funding
for
the
main
federal
support
for
afterschool
programs,
the
21st
Century
Learning
Centers
program,
to
serve
one
million
more
children.
Obama
will
include
measures
to
maximize
performance
and
effectiveness
across
grantees
nationwide.
</p>
<p>
<strong>
Expand
the
Child
and
Dependent
Care
Tax
Credit:
</strong>
The
Child
and
Dependent
Care
Tax
Credit
provides
too
little
relief
to
families
that
struggle
to
afford
child
care
expenses.
Barack
Obama
and Joe Biden
will
reform
the
Child
and
Dependent
Care
Tax
Credit
by
making
it
refundable
and
allowing
low-income
families
to
receive
up
to
a
50
percent
credit
for
their
child
care
expenses.
</p>
<p>
<strong>
Protect
Against
Caregiver
Discrimination:
</strong>
Workers
with
family
obligations
often
are
discriminated
against
in
the
workplace.
Barack
Obama
and Joe Biden
will
commit
the
government
to
enforcing
recently-enacted
Equal
Employment
Opportunity
Commission
guidelines
on
caregiver
discrimination.
</p>
<p>
<strong>
Expand
Flexible
Work
Arrangements:
</strong>
Barack
Obama
and Joe Biden
will
address
this
concern
by
creating
a
program
to
inform
businesses
about
the
benefits
of
flexible
work
schedules
for
productivity
and
establishing
positive
workplaces;
helping
businesses
create
flexible
work
opportunities;
and
increasing
federal
incentives
for
telecommuting.
Obama
and Biden
will
also
make
the
federal
government
a
model
employer
in
terms
of
adopting
flexible
work
schedules
and
permitting
employees
to
petition
to
request
flexible
arrangements.
</p>
<p>
For
more
information
about
Barack
Obama's
Obama and Joe Biden's
plan
to
help
more
Americans
succeed
in
the
workforce,
please
visit
the
<a href="http://www.barackobama.com/issues/economy">
Economic
Policy
</a>
page.
</p>
<a name="strong-schools">
</a>
<h4>
Strengthen
Our
Schools
</h4>
<p>
<strong>
Expand
Early
Childhood
Education:
</strong>
Obama
has
been
a
champion
of
early
childhood
education
since
his
years
in
the
Illinois
legislature,
where
he
led
the
effort
to
create
the
Illinois
Early
Learning
Council.
Obama
has
introduced
a
comprehensive
"Zero
to
Five"
plan
to
provide
critical
supports
to
young
children
and
their
parents
by
investing
$10
billion
per
year
to
create:
Early
Learning
Challenge
Grants
to
stimulate
and
help
fund
state
"zero
to
five"
efforts;
quadruple
the
number
of
eligible
children
for
Early
Head
Start
and
increase
Head
Start
funding
and
improve
quality
for
both;
work
to
ensure
all
children
have
access
to
pre-school;
provide
affordable
and
high-quality
child
care
that
will
promote
child
development
and
ease
the
burden
on
working
families;
and
create
a
Presidential
Early
Learning
Council
to
increase
collaboration
and
program
coordination
across
federal,
state,
and
local
levels.
</p>
<p>
<strong>
Improve
Public
Schools:
</strong>
From
the
moment
our
children
step
into
a
classroom,
the
single
most
important
factor
in
determining
their
achievement
is
their
teacher.
Barack
Obama
values
and Joe Biden value
teachers
and
the
central
role
that
they
play
in
education.
He
They
will
work
to
ensure
competent,
effective
teachers
in
schools
that
are
organized
for
success.
Obama's
The Obama-Biden
K-12
plan
will
expand
service
scholarships
to
recruit
and
prepare
teachers
who
commit
to
working
in
underserved
districts.
To
support
teachers,
Obama
and Biden
will
foster
ongoing
improvements
in
teacher
education,
provide
mentoring
for
beginning
teachers,
create
incentives
for
shared
planning
and
learning
time
for
teachers.
To
retain
teachers,
Obama
and Biden
will
support
career
pathways
that
provide
ongoing
professional
development
and
reward
accomplished
teachers
for
their
expertise.
This
Career
Ladder
initiative
will
help
eliminate
teacher
shortages
in
hard-to-staff
areas
and
subjects,
improve
teacher
retention
rates,
strengthen
teacher
preparation
programs,
improve
professional
development,
and
better
utilize
and
reward
accomplished
teachers.
</p>
<p>
<strong>
Reform
and
Fund
No
Child
Left
Behind:
</strong>
The
goal
of
the
No
Child
Left
Behind
Act
is
the
right
one
-
ensuring
that
all
children
can
meet
high
standards
-
but
the
law
has
significant
flaws
that
need
to
be
addressed.
Barack
Obama
believes
and Joe Biden believe
it
was
wrong
to
force
teachers,
principals
and
schools
to
accomplish
the
goals
of
No
Child
Left
Behind
without
the
necessary
resources.
We
have
failed
to
provide
high-quality
teachers
in
every
classroom
and
failed
to
support
and
pay
for
those
teachers.
Obama
understands
and Biden understand
that
NCLB
has
demoralized
our
educators,
broken
its
promise
to
our
children
and
must
be
changed
in
a
fundamental
way.
Obama
and Biden
will
work
with
mayors
and
state
leaders
to
ensure
that
NCLB
reform
addresses
the
need
for
a
broader
and
better
range
of
assessments
and
an
accountability
system
that
focuses
on
improving
schools,
rather
than
punishing
them.
</p>
<p>
<strong>
Make
College
More
Affordable:
</strong>
Barack
Obama
and Joe Biden
will
make
college
affordable
for
all
Americans
by
creating
a
new
American
Opportunity
Tax
Credit.
This
universal
and
fully
refundable
credit
will
ensure
that
the
first
$4,000
of
a
college
education
is
completely
free
for
most
Americans,
and
will
cover
two-thirds
the
cost
of
tuition
at
the
average
public
college
or
university.
Recipients
of
this
credit
will
be
required
to
conduct
100
hours
of
public
service
a
year.
</p>
<p>
For
more
information
on
Barack
Obama's
Obama and Joe Biden's
education
plan,
please
visit
the
<a href="http://www.barackobama.com/issues/education">
Education
Policy
</a>
page
</p>
<a name="help-stay-healthy">
</a>
<h4>
Help
American
Families
Stay
Healthy
</h4>
<p>
<strong>
Provide
Universal
Health
Care
and
Lower
Health
Costs:
</strong>
Barack
Obama
is
and Joe Biden are
committed
to
signing
universal
health
legislation
by
the
end
of
his
their
first
term
in
office
that
ensures
all
Americans
have
high-quality,
affordable
health
care
coverage.
His
Their
plan
will
save
a
typical
American
family
up
to
$2,500
every
year
on
medical
expenditures
by
providing
affordable,
comprehensive
and
portable
health
coverage
for
every
American;
modernizing
the
U.S.
health
care
system
to
contain
spiraling
health
care
costs
and
improve
the
quality
of
patient
care;
and
promoting
prevention
and
strengthening
public
health
to
prevent
disease
and
protect
against
natural
and
man-made
disasters.
</p>
<p>
For
more
information
on
Barack
Obama's
Obama and Joe Biden's
health
care
plan,
please
visit
the
<a href="http://www.barackobama.com/issues/healthcare">
Health
Care
Policy
page
</p>
<a name="protect-homeownership">
</a>
<h4>
Protect
Homeownership
</h4>
<p>
<strong>
Create
a
Universal
Mortgage
Credit:
</strong>
The
current
mortgage
interest
deduction
excludes
nearly
two-thirds
of
Americans
who
do
not
itemize
their
taxes.
Barack
Obama
and Joe Biden
will
ensure
that
anyone
with
a
mortgage,
not
just
the
well-off,
can
take
advantage
of
this
tax
incentive
for
homeownership
by
creating
a
universal
mortgage
credit.
This
10
percent
credit
will
benefit
an
additional
10
million
homeowners,
the
majority
of
whom
earn
less
than
$50,000
per
year.
Non-itemizers
will
be
eligible
for
this
refundable
credit,
which
will
provide
the
average
recipient
with
approximately
$500
per
year
in
tax
savings.
</p>
<p>
<strong>
Combat
Mortgage
Fraud
and
Subprime
Loans:
</strong>
Barack
Obama
believes
and Joe Biden believe
we
must
establish
stiff
penalties
to
deter
fraud
and
protect
consumers
against
abusive
lending
practices.
Obama
introduced
the
STOP
FRAUD
Act,
which
would
increase
funding
for
federal
law
enforcement
programs,
create
new
criminal
penalties
for
mortgage
professionals
found
guilty
of
fraud,
and
require
industry
insiders
to
report
suspicious
activity.
In
March
2007,
Obama
urged
Federal
Reserve
Chairman
Ben
Bernanke
and
Treasury
Secretary
Henry
Paulson
to
bring
together
lenders,
consumer
advocates,
federal
regulators
and
housing
agencies
for
a
summit
meeting
on
preserving
home
ownership.
The
bill
also
provides
counseling
to
homeowners
and
tenants
to
avoid
foreclosures.
As
president,
Obama
will
continue
to
fight
to
ensure
more
Americans
can
achieve
and
protect
the
dream
of
home
ownership.
</p>
<p>
<strong>
Mandate
Accurate
Loan
Disclosure:
</strong>
Today's
subprime
mortgage
problem
stems
in
large
part
from
the
lack
of
easy-to-understand
information
that
borrowers
receive
from
mortgage
brokers.
As
president,
Barack
Obama
will
enact
laws
to
ensure
that
all
prospective
homebuyers
have
access
to
accurate
and
complete
information
about
their
mortgage
options.
Obama
and Biden
will
create
a
Homeowner
Obligation
Made
Explicit
(HOME)
score,
which
will
provide
potential
borrowers
with
a
simplified,
standardized
borrower
metric
(similar
to
APR)
for
home
mortgages.
The
HOME
score
will
allow
individuals
to
easily
compare
various
mortgage
products
and
understand
the
full
cost
of
the
loan.
The
HOME
score
would
also
help
borrowers
understand
their
long-term
obligations
and
would
be
required
to
include
mandatory
taxes
and
insurance.
</p>
<p>
<strong>
Close
Bankruptcy
Loophole
for
Mortgage
Companies:
</strong>
Barack Obama strongly opposed the 2005 bankruptcy bill, which is expected to have serious effects on low and middle-income borrowers of subprime mortgages.
As
president,
Obama
will
work
to
eliminate
the
federal
bankruptcy
law's
Chapter
13
provision
that
prevents
bankruptcy
courts
from
modifying
an
individual's
mortgage
payments.
This
forces
individuals
who
seek
bankruptcy
protection
to
continue
paying
the
full
amount
of
their
existing
mortgage
plans.
This
provision,
which
provides
unique
protection
to
the
mortgage
industry,
places
the
interests
of
big
lenders
over
than
of
low
and
middle-income
Americans.
Obama
believes
and Biden believe
that
the
subprime
mortgage
industry,
which
has
engaged
in
dangerous
and
sometimes
unscrupulous
business
practices,
should
not
be
shielded
by
outdated
federal
law.
</p>
<a name="families-at-home">
</a>
<h4>
Strengthen
Families
at
Home
</h4>
<p>
<strong>
Strengthen
Fatherhood
and
Families:
</strong>
Barack
Obama
has
re-introduced
the
Responsible
Fatherhood
and
Healthy
Families
Act
to
remove
some
of
the
government
penalties
on
married
families,
crack
down
on
men
avoiding
child
support
payments,
ensure
that
support
payments
go
to
families
instead
of
state
bureaucracies,
fund
support
services
for
fathers
and
their
families,
and
support
domestic
violence
prevention
efforts.
As
president,
Obama
will
sign
this
bill
into
law
and
continue
to
implement
innovative
measures
to
strengthen
families.
</p>
<p>
<strong>
Support
Parents
with
Young
Children:
</strong>
Barack
Obama
would
and Joe Biden will
expand
programs
like
the
successful
Nurse-Family
Partnership
to
all
low-income,
first-time
mothers.
The
Nurse-Family
Partnership
provides
home
visits
by
trained
registered
nurses
to
low-income
expectant
mothers
and
their
families.
Researchers
at
the
Federal
Reserve
Bank
of
Minneapolis
concluded
that
these
programs
produced
an
average
of
five
dollars
in
savings
for
every
dollar
invested
and
produced
more
than
$28,000
in
net
savings
for
every
high-risk
family
enrolled
in
the
program.
The
Obama
Obama-Biden
plan
would
assist
approximately
570,000
first-time
mothers
each
year.
</p>
<a name="strengthen-retirement">
</a>
<h4>
Strengthen
Retirement
Security
</h4>
<p>
<strong>
Eliminate
Income
Taxes
for
Seniors
Making
Less
Than
$50,000:
</strong>
Obama
and Biden
will
eliminate
all
income
taxation
of
seniors
making
less
than
$50,000
per
year.
This
will
provide
an
immediate
tax
cut
averaging
$1,400
to
7
million
seniors
and
relieve
millions
from
the
burden
of
filing
tax
returns.
</p>
<p>
<strong>
Create
Automatic
Workplace
Pensions:
</strong>
Obama's
The Obama-Biden
retirement
security
plan
will
automatically
enroll
workers
in
a
workplace
pension
plan.
Under
his
their
plan,
employers
who
do
not
currently
offer
a
retirement
plan,
will
be
required
to
enroll
their
employees
in
a
direct-deposit
IRA
account
that
is
compatible
to
existing
direct-deposit
payroll
systems.
Employees
may
opt-out
if
they
choose.
Experts
estimate
that
this
program
will
increase
the
savings
participation
rate
for
low
and
middle-income
workers
from
its
current
15
percent
level
to
around
80
percent.
</p>
<p>
<strong>
Expand
Retirement
Savings
Incentives
for
Working
Families:
</strong>
Obama
and Biden
will
ensure
savings
incentives
are
fair
to
all
workers
by
creating
a
generous
savings
match
for
low
and
middle-income
Americans.
His
Their
plan
will
match
50
percent
of
the
first
$1,000
of
savings
for
families
that
earn
less
than
$75,000.
The
savings
match
will
be
automatically
deposited
into
designated
personal
accounts.
Over
80
percent
of
these
savings
incentives
will
go
to
new
savers.
</p>
<h4>
For
More
Information
about
Barack's
the Obama-Biden
Plan
</h4>
<p>
<a href="http://www.barackobama.com/pdf/issues/FactSheetChildAdvocacy.pdf">
Read
the
Child
Advocacy
Plan
</a>
</p>
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