on u.s. troops in iraq. and dan iannicola of the financial literacy group discusses the financial literacy of u.s. teenagers. ♪ yellen delivers her semiannual report to congress. that will be a 10:00. you can watch that live on c-span3. the president traveling to virginia to look at those matters on thursday. the president also going to delaware to talk about an effort to put more private investments into bridges. there has been a back-and-forth between rick perry and rand paul on how to approach security. both using iraq as an example.

responding that the outcome in iraq stresses and need for better foreign policy. we will get your thoughts in a moment. you on whetherto the united states should take more of an isolationist stance. stance orrnationalist an interventional list stance. here's how you can call us this morning. (202) 585-3880 for democrats. (202) 585-3881 for republicans. (202) 585-3882 for independents. you can post on social media as well. if you want to send us an e-mail, journal@c-span.org. op-ed's that appeared in newspapers looking

at iraq and featuring to texas legislators. legislators. here's the title. isolationist policy makes the threat of terrorism even greater. -- going on to say that the group is well trained, sophisticated and adept to recruitment with thousands of people with european passports fighting on inside.

its side.g on again, the thoughts of the texas governor, rick perry. the response from rand paul of kentucky this morning. he starts off this way in an op-ed released july 14.

he goes on more to talk about the stance he is taking. characterizing senator paul about isolationism. rick perry responding -- rand paul responding, taking a look at more internationalist policy when it comes to national security. is going on between these two legislators. unites states should take. more isolationist or more internationalist. you can call in on our three lines this morning. democrats (202) 585-3880. republicans, (202) 585-3881.

.ndependents, (202) 585-3882 if you identify as a tea party member, maybe your thoughts -- 3.02) 585-388 it lets hear from mike in plymouth, ohio. independent line. about theat you think stance u.s. should take. caller: i am stunned that what's going on around us. ever since we went to war and there were no weapons of mass destruction, our borders have been wide open. now, all of a sudden, we are having an influx of kids coming in from south america and everything. we are still at war. i can't understand, why can't we shut our borders? everybody is saying now that our government is not in control. veteran and i believe

this. i've been all over the world and i can understand. shut the borders, send everybody back and put the national guard down on the border to protect us. host: you have more of an isolationist stance. we have been at war since i can remember vietnam. corporations will not allow us to shut down the borders because we need cheap labor for the farms. we just need to wake up because congress and our members that are supposed to be representing us are not in control. jimmy from athens, georgia. caller: i'm an isolationist and i agree with the last caller. these corporations don't want to close the border because we need the cheap labor. we need the cheap labor.

i am against closing the borders. i like having cheap labor and i people workingre for less money so we can keep inflation down h. that is an isolationist view. it's a waste of money to send troops overseas. it doesn't help us defeat terrorists. host: wayne from richmond, virginia. democrats line. caller: hello. i've been listening to c-span for 27 years. dispute is like a republican talking about another republican. to another war. we know how they start wars. over a lie.

we are having a problem with the borders. everybody sing the borders are wide open. they are not wide open. we have armed guards around that border and the most sophisticated equipment. the reason these people are leaving is for two reasons. has done moretes things down there in those other countries, small countries would take for granted. we have those run by corporate corporations and now we're getting the results from all that plunder. they're going through mexico. the main problem is what we did forefore 50 years -- there 50 years. there can't be a complete isolationist. right now, we're sitting up here not even worried about the

united states. is -- nobody is thinking about americans. americans trust -- the rich people do not fight our wars. what best determines whether we should get involved or not? caller: how are we going to get involved? are we going to send people on the ground? no, we are not. host: republican line. caller: i'm a republican, but i'm not so much about isolationism. one of the mistakes made in the wars that happened -- host: as far as the u.s. going forward, how should it be? looking to other countries and singlets going on there -- and

seeing what's going on there? , who wasichard clarke the nsa director for a while, one of the things he discusses about what's happening there between the sunni and shiites, that particular thing is being exploited or whatever. soldiers.any more we have lost enough over there. we do need to monitor it. we can arm the people the right way. what's confusing to me is what's happening in syria. it's almost schizophrenic. we are arming the same people we are trying to disarm on the other side.

we need to arm the right people. referencesaller syria. united nations council determining in a unanimous vote syrian'selivery to in rebel areas. isolationist or internationalist? what is the best way for national security? that is the question we are asking you this morning. willie from ohio. democrats line .

caller: it's foolish to be isolationist. we can't afford that. we are connected globally. the things happening in iraq malikiis is because of and the bush administration. they said they were not going to give the american soldiers in iraq immunity from prosecution for staying over there -- obama troops down.these and now they're going to say we are isolationist. we are in this thing globally and we cannot pull out. , he's as rick perry fear monger. he is juncker jockey position for the 2016 election just like ron paul is.

host: mike from vermont. tea party. caller: this is mike long from vermont. i don't believe the borders can be closed. it's not because we can't close them, but we can't stop the commerce of the drug trade that is supporting our post offices in america. it will stop the flow of money into the hands of our inner cities that is creating a subsidy for the federal and state governments because the money we take from the drug trade and their incomes from the underground economy will decimate further. or create the cycle into a serious reality because we are absolutely bankrupting our nation by poverty that we will not be up to support by stopping the drugs from coming to the

borders. i don't think either party can stop the flow of those drugs because we can't afford the consequences. host: how would you define your self? take the term isolation to me is, the pretext would be to protect the borders of america. if we become isolationists, the borders have to be extremely secure because we won't be stopping the hate that comes from the religious differences in the world. consequently, by not stopping the hate over there against america, we are going to simply -- our cargo can be withted with -- infested poison, bombs, illness.

if we don't check every single container and every single envelope and every single citizen coming into the country, n isolationistc nation destined to be destroyed. host: rick from texas. independent line. i just have some comments. you have the question about the texas border initially that i want to respond to. host: how would you define your self when it comes to national security? i think internationalist finding that we would not want to secure our border. just because we want a secure border does not mean we want to isolationist. if we have secure borders, we

crossing in aple legal way. that, i would support. host: what about matters of national security that don't involve the southern border? caller: as far as other borders? iraq or other countries? host: sure. caller: the border still applies because -- 50,000 children coming across the south texas , how many border patrol agent and people and resources is involved in trying to apprehend them and take them into protective custody? while they are being distracted, other terrorists can get across the texas porter. -- texas border. host: mark. independent line. caller: regarding isolationism, the fact is, we are always going involved militarily or

not. paul that weron can influence the world with our example. we are setting a bad example statee are supporting terrorism, for instance. which is going on in the middle east right now. just because we are not getting involved militarily does not mean that we are isolating ourselves. host: the former vice president, dick cheney, was at a political talking about issues of national security. he was asked if rand paul would be dangerous as a president. [video clip] to getid i didn't want

into endorsing or criticizing a candidate. i did express the view that i think isolationism is crazy. wind through 9/11 that things we can retreat and be safe and secure -- they are out to lunch. we saw, on that day, the worst attack on the united states since pearl harbor. we lose 3000 people at the world -- that is an act of war against the united states . committed by 19 guys who got training in afghanistan and came over here and use our own technology against us. givenis no way, today's technologies, that we can afford buying into the notion that we should stay home and not get involved overseas

and have a military presence with those parts of the world where the threat is emerging. supportinge trouble an isolationist plan or sentiment in my own party. host: you can see the full interview on c-span. the point you to the op-ed's we've been highlighting this if you go to senator paul's response and political magazine. wayne from oak creek, wisconsin. democrats line. todd from rockville, maryland. republican line. caller: thank you for taking my call so promptly.

we should look at ourselves being isolationist because we -- it's referring to more of a commerce policy. for us to be what we stand for in this world, we have look out for ourselves first. it makes a strong and that's the a lot of -- given things we've done in the past, it's a different world today than it was when our forefathers came over. we really need to do button down and understand and connect with god. it's all interrelated. and all connecting understanding that one move on the chessboard. host: richard in florida. democrats line. caller: i think it's a mistake

to divide our national security between isolationist and internationalist. there is a middle ground which is called restraint. what's to identify really in the national security interests of the united states. let me recommend a book by barry pozen from an i.t. called "restraint." , youe should bear in mind look at the rest of the world, ,ountries like brazil, russia vietnam, china, south africa, japan, germany -- none of those countries has any military installations outside of the country except for russia. yet, nobody calls them isolationist. the united states has at least several hundred bases outside of

the u.s.. it's our responsibility to respond to every crisis in the world. we are going for too much. we are overstretched. -- i read his book and some of his work in the past. he is a brilliant guy. he should have him on c-span to discuss this. host: barry pozen? caller: yes. from m.i.t. host: richard from florida. we will hear next from jim in kansas on our independent line. caller: hi. the first time i've gotten through on the line here. i think it's somewhat ironic that you would have a clip of vice president cheney on here. i don't think our foreign policies determined by elected officials as much as

full-time nationalists. if you look at ukraine, the bribery of monsanto and halliburton going into nigeria back in 1995 and bribing when ceo.ey was the as far as the border is billiond, we did a $60 arms agreement with the saudi's and their supporting isis. the international community looks at us as being too based on these matters. -- two-faced. f-18 or aive one less the f35'son these at 35' and cover the expense of these children coming in. i look at myself as being a world citizen. we've lost our civil

liberties, the rest of the planet can look at our country -- we are only 4% of the world population and we are like a scourge right now. we don't have the best interests of the people on the planet as much as wall street. host: al jazeera.com reporting about gaza. from greensboro, alabama.

a member of the tea party. this is george. your thoughts on our question as far as isolationist or internationalist approach. caller: i want to make sure people understand that i don't consider myself a citizen of the world. i am a citizen the united states. period. i don't see how it's possible for you with modern communications and technology if we could ever be isolationist. the problem ofve figuring out how to take care of we stoppedids if them from coming into the country in the first lace. -- first place. secure the border.

it's not complicated. john in maryland. democrats line. caller: good morning. thank you. the first gentleman that called talked about the internationalist r throwback. i've never heard of such ignorance in my life. we american people have no idea what our foreign policy entails for multinational list corporations. thisthing happening to nation is because of the seeds we planted 35 years ago. to geting is not going any better until we wake up and start holding our greedy government officials responsible for the foreign policy that they loot and plunder and

bribed and threatened and killed the leaders of the small nations . people come to america and we want to blame them. we are responsible for this. we don't build any of them responsible for what they have reaganing back to ronald . we don't hold our government officials responsible for none of the dirt they do outside this nation. all that stuff is throwback. c-span had a chance to talk with the former secretary of state, hillary clinton, about her book. she talked about the decisions she had to make a secretary of state. [video clip] >> i learned to expect the

unexpected. nobody expected the arab spring until it was upon us. we have to learn to be agile and ready for the unexpected. while we try to build a world that we want, especially for our children. the facto be aware of that all these other countries, all these billions of people are making hard choices every sin will day. we have to be ready for that. i am absolutely convinced that we have to continue to lead the world into the kind of future that we want. we can't sit on the sideline or retreat. we are going to have setbacks and disappointments. has becomeour story the dominant story. it represents the hopes and aspirations of people everywhere.

that is what i want americans to understand. the main reason i wrote this book -- i know there is a big debate going on. unfortunatereal consequences to deal with from prior decisions and the like. we can't abdicate our spots ability to. and executed it will be the stuff of political debate. america matters to the world and the world matters to america for our prosperity and our security and our democracy. host: go to our website to see the full interview. new from el paso, texas. republican line. with myi disagree colleague, rand paul. in the 1930's, we had a large

isolationist frontier. after 1941. that is what is going to happen again with rand paul. if you think the world is messed not want guy who does to use military force -- you don't have to use military force. you can be a strong -- like ronald reagan said, peace through strength. the american people will not tond up when rand paul has explain his worldview of foreign policy. that randhe piece paul wrote in response to rick, he included this line. the op-ed is rick perry is dead wrong if you want to read that piece for your self.

the topic of a couple of pieces in the newspapers today. the front page of the new york times. the wall street journal saying

that the fate of the talks hangs on three questions. from el paso, texas. go ahead. we move on to georgia. independent line.

i've been a libertarian for 15 years. what part of libertarianism that i've always struggled with has been foreign policy. generallyf the accepted position that we are pretty much broke and $17 , it seems liket the only way we will find out if in fact people like rand paul thecorrect as far as how world would change if we became intimately involved in world affairs is if we do it. we can't afford it anyway. we should become more isolationist. host: betty from florida. democrats line. i'm going to tell you

how i feel about the security of the border. we need less soldiers at the border. they go back over there -- i'm so upset the way our country has gotten away from the constitution. we are supposed look at our citizens. it is sad to see how our country is being ran. i like obama, but he is not getting it together. they are going to outnumber everybody.

i think the president should see that our country is -- host: there is a photo of elizabeth warren appearing at west virginia. talking about her role on the campaign trail. warren has visited oregon, ohio, washington and minnesota this dozens ofas made the e-mail solicitations on behalf of democratic senate colleagues.

the trepidation that some democrats feel him standing with president obama and hillary clinton has provided an opening for warren. terry from lafayette, indiana. republican line. caller: good morning. you're going to tell me that increase in the women from southn america -- we need to end the drug laws. our taxes would be cut by billions of dollars. marijuana is not worth thousands of dollars a pound. all you need to sunlight and water for the stuff. it would be pennies on the pound. host: douglas from tennessee. independent line.

i want to speak on those children coming in from mexico. question as as our far as your approach on national security, where would you stand? caller: more internationalist. host: why so? the technology and the state of the world is in, nobody can isolate themselves in a more. it don't make sense. countries -- israel, we need to help israel. it is a free country. as far as those children, those

children are coming through mexico. the government of mexico knows that. is humanely to do themaithfully marching back across the rio grande. a couple of tweets for you this morning. you can post on our c-span twitter page and follow us on our facebook page. e-mail is also accepted.

the equal opportunity employment officials take a look at pregnancy bias. in the new york times this morning.

william is up next from california. republican line. caller: i think that we as americans are isolationists as long as we follow the constitution and look at the preamble and understand that we are isolationists with the exception of israel. william from california. bowe bergdahl going back to work and being reassigned. usa today. he will be assigned administrative duty.

caller: i am responding to your tea party notion that the tea party is a hierarchy. understandpeople who that government is not the end-all. all tea party wants is a smaller government with less taxes. people know if they are part of the tea party or big government. onfar as the tea party social issues, i've never heard a person who belongs to the tea party discuss social policies. host: what about your stance on national security? believe that we need to protect the united states and have to send that message to , we willho interferes

strike them hard. thank you. have a good day. host: the front page of the financial times. backeder mortgaged securities saying the settlement included a record $4 billion in .ash to the doj -- from daytona, florida. this is paul on our democrats line. caller: i think we should isolate ourselves.

we should internationalize ourselves as it pertains to bringing poor, desperate people into this country and giving them a chance for a decent life. those children of the border, if you don't want to let them stand in this country, you need to kick marco rubio out and send them back to cuba. the problem with our economy is that there are too many rich people hoarding money. as long as that is allowed to continue, our economy will continue to get worse. those funds should be taken and redistributed so that those resources make it back to retail profits. host: a letter to the president of the united states looking at open government and access. this is an usa today. -- this is in usa today.

this is linda from houston,

texas on a republican line. caller: good morning. i am an internationalist and i that the children coming in from latin america -- this is the americas. i don't see why people from come. should look at what happened to texas and new mexico. all those lands were stolen from the mexicans. they are taking back what is rightfully theirs and we have to deal with it. this is the americas and these children need to stay. r continent. nobody should be pushing them like they are dogs purely b. look at israel.

that is what is causing the war in palestine. people set up their borders and try to push out palestinians and they are fighting back. and they are fighting back for what is rightfully theirs and that is what is going to happen in the americas because this is the americas. .ost: linda from houston she will be the last call on this topic. we will be talking with jeff enham. "washington journal" continues after this. ♪

>> we are at the country life center which is 50 miles south and west of des moines. this is the birthplace home of henry a wallace. there are three generations of wallace's. as patriarch was known henry. son,s the founder -- his henry c wallace was the u.s. secretary of agriculture under woodrow wilson. in son was born on this farm -- he went on to become the wallace's farmer magazine. in 1941-1945, he was the u.s.

secretary of agriculture. he signed the agricultural adjustment act which was the first time that farmers were asked to not produce. people cannot believe the things he was proposing regarding that. as prices went up, they started to listen to him. people still refer to him today as the genius secretary of agriculture. >> exploring the history and literary life of des moines, iowa. sunday afternoon at 2:00 on american history tv on c-span3. for over 35 years, c-span brings public affairs events from washington directly to you. putting you in the room at congressional hearings, white house events, briefings and conferences and offering complete gavel to gavel coverage of the u.s. house, all as a

public service of private industry. we are c-span, created by the cable tv industry 35 years ago and brought to you as a public service by your local cable or satellite provider. watch in hd, like a some facebook and follow us on twitter. "washington journal" continues. good morning. callerguest: california is one f those border states that has a higher immigrant population. we are the largest ask state. state.largest ag i am also married to a first rican-mexican.to

it is personal for me. it's a personal issue. i helped my father become an american citizen. level and anal state-level, our immigration system is broken. the entire country starting to feel this now. the whole nation and the whole world is looking at america as far as what we are going to do with this problem. host: what do you think of the figure and you support it? guest: it has grown very quickly. the president came out and said it was going to be a $2 billion number. i believe we need our appropriations. emergency situation. these retention centers that are popping up across the nation on our military bases and churches

where kids are being houston housed in -- gymnasiums is not a good approach. we need a way to deal with this crisis in a humane way. and we can secure our border in the same round. we are going to see a bill very shortly. do you support sped up deportation hearings? guest: i do. if we've got 160,000 coming in, we need to beef up our courts more than that. program where they are sending people back and the communities and saying please show up in the next couple of years does not work. the american public is going to be outraged a as this crisis

continues on. host: where is speaker b oehner? guest: he is very supportive. he knows this is something we have to get done. i am somebody who has been pushing. i am pushing very hard on securing our border and we have a guestworker program. we have to talk about the people who have grown up for our community and consider themselves americans but did not have a way to work -- do not have a way to work. host: what should be done about them? guest: there are multiple solutions. the kids who have gone through our schools, they should have an expedited path. have the list act. -- i have the in list act.

why don't we let the brightest and best pass through our school programs? why wouldn't we allow them to serve? there is no better way to show your faith and commitment to a country than to serve in our military. host: where is the list act enlist act going? guest: we have sponsors on both side of the aisle. that will be the first type of pathway. we have 11 million here and growing that we need to resolve. this is a multi-general initial problem -- multigenerational problem. host: you work with kevin mccarthy at one time. do those better your prospects

for the acts being heard? guest: our biggest challenge is timing. the fact that there is no deadline. this place operates with deadlines. and wem bill came up always hear about the fiscal cliff. when that hits, congress acts. we are starting the debate now. people realize this is a crisis. date fornow a resolving this problem. that helps us to talk about these issues. and engage the american public. host: you mentioned those currently here. the term amnesty gets tagged to that type of effort. what does that mean to you? guest: i hear amnesty, i think of a freebie.

somebody who is going to give you a free pass. if there is nothing like that in any of the bills we're seeing right now. we need something that is strong and follows the rule of law and has a process and procedure. even hr 15 which is widely debated around the hill has a 13 year pathway that has several safeguards you have to jump through. you are still following at the back of the line. you have to come to the realization that there will not be self deportation. there won't be tons of buses to pick people up. why not resolve this? itt: senator rubio saying was the senate version of immigration -- guest: there are two separate problems. we have improved on the senate bill by adding the mccall border protection bill. we have to secure the border and

we have to have metrics and measurements to ensure to the american public that it is secure before we move through. part of the challenge for is the concern that this president might implement different pieces of the law without addressing the border first. border is absolutely secure and chastise republicans about how secure the border was. it is not secure today. it will change the 2008 law on human trafficking. it will take the same type of safeguards along southern california. we have all of that between san diego and tijuana. you don't have that in rio grande. you can put in some of those measures. we don't have a situation where border control can patrol our entire southern border. texas,the ability -- in

they have millions of acres of borderr property that patrol can't go into. that seems to be the easiest place to go through where you know the police were border patrol are not controlling. denham is with us until 8:30. the numbers on your screen -- (202) 585-3880 for democrats. (202) 585-3881 for republicans. .202) 585-3882 for independents if you live on a border state -- live in a border state,, (202) 585-388 [no audio] . we have a facility in guantánamo bay where we housed haitian refugees a few years ago.

why can't that be used to house these children? we could help the president eliminate the prisoners there by training them as childcare workers and let them earn some money. the children could be released from guantánamo when their parents pay for airfare to take them home. guest: thank you for the question. i don't know that i want al qaeda or the taliban in as they care for these kids coming across. we have to deal with this crisis in a humane way. them in our military bases may be a short-term solution. number is such a huge that entente them opened only handle a small percentage of that. in california, we have a naval base that is holding 400.

between 400-1000. now trying to reach out beyond those military installations because those are inadequate to . going to churches and colleges with gymnasiums. the fundamental responsibility of the federal government -- the president needs to send a strong message very quickly. it should have happened already. going to send your residents back to you. we will work with you to handle this in a humane way. we can't continue to have this influx coming across the border. we should be working with mexico to make sure their southern border is secure. muche past, they have had stronger policies then in 2008. they changed their policies to give people a two-week visa and then realized very quickly that over 80% of the people getting those abuses were not coming back across the southern border can.

mexico should be working with us as well. we have an obligation to secure theborder and appropriate funds necessary and stop the search once and for all. surge once and for all. the bills we have seen will not stop this problem. we have a separate bill that deals with the 2008 law and making sure that our border is secure. host: host: where do you see the requests going legislatively? whethert's hard to say it goes up or down and depends on how strong a security bill is in there. i would expect the funding level think itn but i depends on everything else in the bill. sights are set too low and we want the border patrol dollars they are going to go where they need to go.

host: democratic caller, hello. caller: i hear secure the border -- yet nobody comes up with a plan to secure the border. once in a while, they will build a fence or do something and they just go under. the only way to secure that border is build a minefield half a mile wide along the hold them border. maybe that will secure it but nobody else has an idea to secure it. thank you. guest: i think a minefield is probably a little extreme. we are seeing plenty of plans. there is no shortage of ideas here. a bill that has bipartisan support that went out of committee unanimously actually has the safeguards in there that would make sure the border patrol is measuring this using metrics that would have over 90% efficiency on catching everybody coming across.

thee we are talking about 106 2000 kids projected to come across in the next year, that is still only 20% of our problem. we still have a whole mother 70% coming across our border that we need to secure. yes, it is very different. where we got clips and gorges in texas, does not make sense to put up fences. there are other areas where you have the department of interior, we need to allow the border patrol to go in there and even in san diego where we have two fences and cameras and motion detectors, we still have people who will jump on the fence and cut through the other. which is why we have to have border patrol agent ready to go out there andre-secure the fence but make sure they are tracking and catching those people coming across illegally. host: from spring hill, florida, good morning. morning, i myself have been -- eminem a grant.

an immigrant and we have fostered kids for many years. there is a couple of issues we are overlooking. we have an emigration process not only to let people into the country but to make sure that the people we are living in our people who will not be detrimental to this country. i have seen my mother's immigration papers. might father literally had to promise she would never break the law and never be a burden on the country and i think we have kind of gotten away with what the process of immigration is. people who come across the border undocumented tend to live in underground communities. the children are molested. the wives are beaten but nobody call the police because they are here illegally. by not containing this flow of undocumented immigrants, we are

not only creating or adding to this underground society but it is also dangerous to the people on this side of the country. that's why we have an emigration process. as far as a deadline -- our government made the deadline when we threw the brits out and declared our independence. we need to make sure now that we can do this. i think it needs more manpower on the border to close this. part of the problem could be solved that we would simply hire mexican officials to guard the border on the other side to make sure they did not get that close. that has been proposed. i don't believe in funding and other government. i think we should work with the other government so they actually fund securing their side of the border. there is a lot of corruption in mexico that we should be concerned with. they are having challenges with

their police force and military and dealing with all of these egg drug cartels. they should be policing their north and south borders themselves but i don't think that would necessarily solve our problem. in this bill we are talking about, there would be more manpower we would be putting at the border. i agree, we've got to have a rule of law and a process that fits the american public so that we know how many people are coming in, what countries are coming from, what specific skills are they bringing to create a greater america and those that are already here today, yes, there is not only an but it's a society public safety issue. i talked to my sheriff in my home county about the crimes that go on and are not reported. that's why we have to have a pathway both for registered

original status which would be the first six years and then a second provisional status and then legal permanent residents. this 13 yearve processor we have back taxes and back fines paid which are important and would help us get rid of our debt but having background checks and making sure people are working and having jobs and not taking government subsidies. all of these things will help our economy and would help our country and create safer communities. the breakdown of the white house request is 1.8 early in dollars to care for unaccompanied children, transportation and the tension is another $1 billion and higher immigration judges is $1 million. $433 million for border agents pay. is that enough? > i think the court system, this is way too low. the amount of cases they say they can go through on an annual basis is far too low knowing how big of a surge this is. assess theo

situation immediately as a comes -- if so we can decide someone comes across with an idea birth certificate and verify where they are from, we need to assess whether it is a true asylum case. really need to define the issue. if somebody is just coming here to cut in line, we've got to make some decisions around that as well. just releasing them to not just up ahrens -- we used to take and theanied minors department of homeland security would go after the home of the parents and make sure it is a safe environment make sure it is the parents. in such ane emergency situation but it could be an aunt or uncle or friends or our policies have gotten very lax because of this emergency crisis. host: here is sherry from florida, and dependent line. all, theirst of administration contracted for

transportation for these for julyin january knowing exactly how many would be needed -- emily children would be here. -- knowing how many children would be here. we need an executive order signed by this administration. these children are not traveling all this would by themselves through jungles to get to the mexican border. it would cost a lot less to medically checked the children out and return them to their country of origin. we already give billions in humanitarian aid to these countries. we do not need any more illegal aliens in this country. we have children and families in need here. we have veterans who come home and cannot get the care that they need. we do not need to spend one penny more on this mess.

send them home! guest: thank you for the call. you can tell by the emotion that this is a very emotional issue. we will deal with this in a very humane way. , we need little kids to make sure they are finding a safe place back in their home country or with relatives here. of majority of this problem on accompanied minors is 77% of them are between 14-18 years old. thee got to triage situation and there will be different circumstances but it has gone on way too long already. it should have been stopped very early on. to reserve commercial airlines to ship people to different straits across the country -- different states across the country is created a backlog on immigration

by a situation were different states across the country. host: tony is living in a border area of texas, good morning. >> i have a question -- caller: you need to secure the border before there is any immigration reform. you willt said how secure the border. the thing i have heard you say is that it will take a long time before we get to the immigration reform package. childrenon't inc. the are really the immigration problem. it's a refugee problem. that goes back to the law that president bush passed giving them asylum. think the major problems we have in the country stem from the bush administration with their iraq again,ing back on us

with the refugee law passed where they could get asylum in the united states and president obama is getting the blame for this but these are bush policies, laws he put into action and nobody is addressing that. guest: i always find it entertaining that after five years of residency, everything still gets blamed on bush. this is not only a dianne feinstein bill, senator obama also voted on this bill. this is certainly a bipartisan bill that nobody could have ever expected this type of search for this type of humanitarian effort. it is here. and laws ofup unintended consequences at times. we've got to make sure that we got this problem so let's go address it. the president should do that from executive level dealing with the other heads of states and mexico and their border and it congress, we need to make sure we pass this border security bill that has true

metrics and measurements but has the funding in place where we can put fences were renewed made fences and have cameras were we made them and i would say the biggest issue for texas is allowing the border patrol to actually secure the border or along the border texas border where they've got the department of the interior where they cannot go into those millions and millions of acres were we've got people coming up. we got a challenge ahead of us. it will take both parties to come together and find an american solution. host: the guest on only represents the 10th district of california, it says you and your family own a farm in merca county and operate a container supply firm. as far as the agricultural world, how dependent is this on emigration policy? california, we have a large number of crops that take a migrant workforce. ruit is the tree f

seasonal and when the season hits, if you don't have the labor there, we will not have fresh fruits and vegetables, lettuce and strawberries are very labor-intensive crops. we have always had guest worker programs. every industrialized nation has guest worker programs. along with those programs, we also need to verify so we made to know who's taking those jobs so it's americans first. when we have jobs that americans won't take, we need to make sure those businesses do not leave our country for somewhere else where they've got a cheaper labor but we have to bring a labor force in on a guest worker program so somebody can come in and work and send money home and go back home when the job is done. host: from florida, good morning. caller: good morning and thank you for taking my call. your guest in the very beginning mentioned something about

taking up and enlist act to help illegals become citizens. they could enlist in our armed forces. wondering how in good conscience can congress even think of doing something like this for the illegals when we have our soldiers fighting in the battlefield and they are receiving pink slips. these are men and women who were hoping to make the armed forces their career and, low and behold, one bright day, they find out they have been fired. thank you. thank you, i'm a proud veteran that was willing to put my life on the line for my country. i was in desert storm and somalia and follow a family tradition of serving before world war ii.

our entire line of history of serving in the military, we have always had immigrants. my grandfather served as an immigrant and world war ii and we went over to europe and listens to people in europe before they set foot into the united states. when i served in desert storm, i served with a great deal of filipinos getting their citizenship to serve in our military. if you've gone through our school system, if you have passed a background check, if you've met all the military criteria, the military says you're the best and brightest in want you to come into our military to strengthen our national defense. why would we not encourage that? there is no greater act of patriotism them eating willing to serve your country. i know some officers are receiving pink slips. as we are downsizing from some of these wars, we need to make sure that we have jobs for all of our veterans. i am on the veterans committee as well and we are dealing with some of these extreme veterans

issues that should not be happening to our veterans. as we move forward, we will still be enlisting men and women coming out of high school. i just believe that those who have gone through our school system whether they have been undocumented or not, if they were brought here by no fault of their own, they should be able to enlist in the military. before 1860, over half of our military was immigrants. since then, we have had over 660,000 emigrants serving side-by-side in every war that we have ever fought. host: one of the v.a. issues was the status of the v.a. health bill. what would it do and talk about the cost. guest: the health bill would allow veterans that are not getting immediate care through the v.a. to be able to see a private physician.

i got a bill on that myself. by their own guideline, their own metrics, they have said that 14 days of a veteran who have not seen care in that time, they should be able to go to a private practitioner. we are saying that it should not be -- it should be something they have a choice to do immediately. they should not wait for approval. -- ify can accomplish they cannot a compost their own mission, the v.a. should some amount to get that care. i disagree with the cbo score. they come up with these different scores on different things and they say they are giving the veterans the benefits they deserve it will cost more money. we re-appropriate more money for the veterans every year. it is one area of the budget we always over appropriate. will get theterans

benefits they've been promised should have a higher score. it does not make a lot of sense. these are still veterans that if they qualify for v.a. benefits, they would also be qualified for medicare as well. fromre transferring them one government program to another and the cbo score should not matter. host: bill from pennsylvania, republican line. caller: good morning. and i have europe been here 55 years and i work very hard. i want to explain to him what he is doing. he is playing games with democrats and republicans which is destroying this country. when i came to this country, i was responsible. i had to get a green card for an american embassy and got up passport and i had to wait five years and after five years i became an american citizen and i had to learn how to speak english. this is the way you come in when

you're talking about emigrants. you have no idea what immigrants are. the immigrants are important in this country who came in the right way. it's not about you making money in your pocket. i talked to ron paul. i sent a letter to congressman pitts and i am are a real republican. you should be ashamed of yourself. you are destroying this country and you're not american. guest: i was willing to serve my country and that makes me american enough. of people are willing to bleed for this country and put their lives down for our freedoms. my patriotismad questioned in this process. five years? that's a long time to wait but i'm glad you went through that process. defectgo ahead and have

of amnesty for decades to come. we have had it for 30 years and got people coming across our border and we can continue to ignore the problem. we can see our debt go through the roof and wait until our cap economy collapses or to the american solution and fix our borders and take care of the people here today creating a greater america. we got 11.5 million people here today. we can make a choice, do nothing or address our problem in a way that makes sense. pay back taxes and sign up for personal status and have a background check and get a job and no government subsidies. if you can do that for six years on a provisional status on a temporary visa, you can go back and apply and make sure the government can verify that you paid your taxes and you paid your back fines and you have had a job that entire six years and you can still pass a background check and you have not broken not takingd you are

any type of government subsidies. you getard is i another four years of amnesty. it is twice the length of time it took you to go through the legal process. we want you to go to the back of the line. an unfairt to create system. after you pass to background checks and have paid your taxes and fines for over a decade and had a job and been fully employed for 10 years and that can be verified and after you have made sure that you have been on the government subsidies and broken no laws, after 10 years, you can file for legal status. at minimum, it will take you three more years after that before you can sign up to be a citizen. that is one bill right now. as the bill that is talked about all the time.

the worst-case scenario and a bill we are talking about right now is you not only have to go through all of those challenges and jumped through all of those hoops but it takes you a minimum 13 years. some may say that's not long enough. maybe it needs to be 15 or 20 but it's time to have that debate. people out there who say do nothing is not an american solution. doing nothing is amnesty. we got to stop that. host: catherine from victoria, texas, you are next. i think maybe we have an emergency situation now. this is not been heard of in putting border patrol does not stop people from crossing the river. you will have to get people to stop coming across the river. if they set one foot on this land, you have an emigrant problem and i don't think we

have enough money to harbor the tens of houses that will become hundreds of thousands coming over. syria is an invading country. countries that need to stop what's going on in their countries. you will have to stop them from coming out of the river onto land. how do you want to do that? guest: i could not agree more. that is a serious problem and that's why we need to make sure we are addressing it from the mexico border side and we are not only monitoring but that we are measuring on the mexico side before they get into the river and before they get across the river and before they set foot on u.s. soil. i think it starts way before that. we have to work with mexico to secure their southern border.

they had a secure border before 2008 and they changed their policy. you have to have the president and gauge and those head to head issues to negotiate that type of system with other heads of state. we have to work with the three major countries setting -- sending the majority of the immigrants and we are seeing a huge influx. we need to send the same message to their country and let them know that what they see right is not going to happen. we have to put a stop to it from that standpoint. the president needs to have those heads of states discussions. we need to put the parameters in place and expect the court system for those who get across the border, we've got to expedite the court system so we can send them back. host: let's go to al in ohio. caller: i'm getting a little cross talk.

is something wrong on your end? host: you are on the line now. caller: i have a couple of comments. first a shout out to my building seven friends. a lesson for you, pedro -- c-span always advertises that they are provided as a service by the cable companies. it you cannot get c-span on basic cable at all. i will just leave that right there. a question for the congressman gentleman who was a comedian some years ago with puppets? guest: no, a slight misspelling of the last name. that is jeff dunham,. host: this is vicki from florida, republican line, good morning. are you there? to oklahoma city,

oklahoma, democrats line. caller: good morning. this gentle man i believe he said he is an almond farmer? guest: that's correct. guest: have you ever taken subsidies for your farm? caller: if so, why? if you are worth a million dollars why would you take subsidies? hello? guest: i don't take subsidies. my almonds are a good crop to have right now. it's been a great way to raise my kids with farming and the way i grew up. it's a small family farm, no subsidies. thank you for the question. host: the white house makes a push on highway infrastructure, what do think about the effort he is making and how does it affect california where you live? guest: we got a get a highway bill. we are dealing with the situation where if funding stops, many of the states that

receive -- all the states that receive transportation funding, some have extreme weather condition, this is their building time. if you stop to live for a month or two, it completely shuts down the system and i have those ongoing projects for the next year. we got to get a short-term built on but we looking forward to having a long-term bill done that not only has secure funding so we have a full five-year funding bill the certainly we have always been a donor state and want to keep more of our own money i utilize it to fix our freeways that are falling apart but are rail infrastructure. we are a state that has a lot of good move in and we are the largest agriculture state so we have a lot of goods that move from west to east. we need to make sure we are improving infrastructure across the nation. host: what is the best way to fund these efforts? would it be increasing the gas tax or are there other ways>? guest: i think there are other ways.

the challenge of the gas taxes people are paying way too much at the pump. i think it's an unfair tax but i also think the gas tax with new technologies, it it is not keeping up. our gas tax funds a two-year yearshich we need five worth of funding for. we need to look at new sources of revenue. theeed to look in back of pump to look at new oil revenues. become a nation that is energy independent and we should do so by utilizing the oil and natural gas and being able to have that help us fulfill that cause. host: one more call from texas, republican line. calling about the agricultural thing. i understand that australia has completely mechanized except for strawberries their agriculture.

some of the profits could be used for machines to get the almonds. i understand the only thing that can be done that way to strawberries. maybe we should -- host: finish your thought. caller: i can hear other people. host: finish your thought. caller: every town in the united states i understand has a mexican gang. every city over 100,000 people. we had a four-year-old girl killed by a mexican gang here and we have wondered -- and we have 100,000 people. we had a four-year-old girl sleeping in her bed and was shot by a drive-by shooting. they were mexican gang members. we need to do something. that's all i have to say. all, fromst of

farming, i grow almonds and it is completely mechanized. we do everything from shake the trees to allow the almonds to drop to vacuum them up and put them into a truck. arere very mechanized and seeing more crops become more mechanized as we move forward. lettuce, strawberries, there are a few that are still not mechanized. as we move forward in the future, you'll find new technology and abilities to be able to do that. we lead the rest of the world a new technology especially within agriculture. i would say we'll be on the forefront of that. we still got to make sure that would -- we are providing food to the rest of the nation and the rest of the world. the dairy industry, you cannot not milk cows any day of the weeks of a have to have a consistent labor force to make sure every single day, those cows are getting milk so they don't get sick.

from an agriculture perspective, we will always need some type of labor. fixing this overall situation, the gangs are getting worse. the challenges within our community where people are not reporting crime is getting worse which is why we need to solve the problem. having people pass background checks and having them have legal status whether that is provisional or having an extension of the visa -- 40% of the people who have come here that are part of the 11 million came here on legal visas. we need to take a look at that piece of network and call those people back in the make sure they are not only in a position where they can be employed but in a position where they're not afraid to come out of the shadows and report crime. we've got to get a safer community and stop the gangs. by solving our immigration policy, it will help to do that. if you are a gang member, you will not get a provisional status or a legal status or a pathway this is an ship. -- to citizenship. we have to have those background

checks and find out who is breaking our laws and find out who was victimizing our community and then we either incarcerate them or are able to deport that small amount that are praying and our communities. what is the likelihood of something happening in congressionally before congress goes on vacation? guest: the summer break starts august 1 and that's when we are back in her district and we come back in september 2 washington. we cannot let a day go by let alone a month. there are two many people crossing our borders today. every day, that number not only grows but every day more people search across because the word is spreading that our border is open. we've got to do something immediately both on the appropriations bill as well as securing the border. i think we will get that done this year. whether we can get it done the next two weeks will be a challenge.

denhamepresentative jeff , thanks for your time. withg up later representative james mcgovern, he talks about his resolution to remove troops from iraq a year and. and later, there was a recent international study that found the financial literacy of american teenagers is no better than the average compared with peers in other countries and nearly one in five lack basic proficiency with fiscal matters and we will talk about that study and how it affects you as caola.ith dan ianni first we will get a news update from c-span radio -- >> some politics this hour -- a new nbc news marist poll finds democrats hold single-digit leads in the key senate contests of colorado and michigan as well is in colorado's gubernatorial race. in the colorado senate race, the incumbent senator leads the gop

challenger by seven points among registered voters. in the states race for governor, the sitting governor holds a six-point edge over the republican opponent. that is 49-43%. in michigan, the senate contests representative gary peters is ahead of the republican challenger by six points among registered voters. the consumer financial protection bureau is suing a major debt collection law firm alleging it is a mill that produces shoddy mass-produced credit card losses. frederick j hanna and associates are alleged to have failed to do due diligence on the accuracy of the losses it to correct defaulted consumer credit card debts. in georgia, one attorney signed off on 180,000 lawsuits over two years. company sayst, the we strongly deny the allegations that the complaint and the

overall characterization of our law firm. the suit signals potential trouble for other collection law firms and banks that hire them. hannah and associates past clients include jpmorgan chase, and capital one. changes of the peace corps begin today. the new online application allow people to choose the countries and programs were they want to serve and include other changes as well. the old application only allow people to choose preferred countries meaning they could's descent to a country of little interest to them. the peace process enabling people to apply to specific countries will help bring their service in line with personal and professional goals. those are some of the latest headlines on c-span radio. you can keep in touch with current events from the nation's capital using any phone any time with c-span radio on audio now. simply call so you can get all the information and every

weekday, listen to a recap of the days events at 5:00 p.m. eastern area can also hear audio of the five networks sunday public affairs programs beginning sunday at noon eastern. .-span radio on audio now, host: joining us now is representative james mcgovern of massachusetts, member of the rules committee and represents the second district of massachusetts, good morning. the rules committee is set to meet tomorrow to take a look at this proposed law by house speaker john boehner. what is the topic tomorrow? guest: the republicans will present their lawsuit. quite frankly, i think it is a little nutty with all the things we have to do with immigration reform. we need to focus on rebuilding our roads and bridges and infrastructure and extending unemployment insurance. i can go down the list of

important things that the house of representatives needs to address. we are not dealing with those things. instead, we are dealing with these partisan cheap tricks. i'm sorry, but i should not say that. it will cost the taxpayers a lot to finance this. the republicans will present their case. they will have some lawyers talk about why they think the lawsuit is justified. host: what is the goal of the lawsuit? guest: i think it is just red meat to the right wing political base. i cannot quite figure it out. we have the power in the house of representatives to legislate and pass things. you are talking immigration earlier. the united states senate passed a comprehensive immigration reform bill. we cannot get it brought on the house floor for a vote. we are not doing our jobs. maybe the president should counter sue because congress, at least the house of representatives, is useless. we are debating trivial issues

passionately and important ones not at all. i don't know what the ultimate goal is other than a political circus during election time. host: this is about executive action by the president? guest: it is focused solely on one part of the health-care reform bill. republicans are upset because they affordable care act is working. tens of millions of people now have health care that did not have it before. there was a poll the other day that republicans received child ear in the affordable care act and they think it is a good thing. a b they are frustrated that the president's health-care bill is working. i cannot figure out what their anxiety is at this particular point. what we should be doing is doing the people it is most. when i go home, people want to talk about jobs and economic security and talk about making sure that education is affordable for their kids. washington, we have 52 bills to repeal india for their active

-- act and now a lawsuit? maybe the republican leadership should did something different. maybe they should do their job? i think that's what most members of congress want is for us to be serious and address issues that people care about. host: in an op-ed, the house speaker wrote -- guest: immigration reform -- the senate passed an immigration reform in a bipartisan way. wouldn't you think the responsible thing to do by the speaker of the house would be to bring up a bill? let's deliberate. we cannot do that. minimum wage, people work full-time in this country and are still in poverty and so require food stamps and still require emergency fuel systems.

let's debate a minimum wage. we cannot even get it up for a vote. the frustration that the american people feel which is why congress has a seven percent approval rating, is that this is a place that does not do anything. take political cheap shots and people have had it. i don't care whether you are democrat or republican or independent, i think people really want congress to work. on thisare doing lawsuit is spending three weeks in the rules committee talking about it. what a waste of time. nutty and doesn't serve anybody's purpose but maybe it helps the republicans with fund raising. i'm a people would rather have as debating serious issues on the house floor. host: if you want to ask questions, the numbers are on the screen --

you are currently working on a resolution on iraq. guest: it's a privileged resolution i introduced with congressman walter jones, a republican of north carolina and barbara lee from california which would direct the president to remove u.s. troops from iraq within 30 days for no later than the end of this year except for those troops needed to protect u.s. diplomatic facilities and personnel. is reason we are doing this it forces a vote. hopefully we will force a discussion. congress is not doing his job so you may recognize that as a team. congress has a constitutional responsibility when it comes to war. for whatever reason, we keep shirking that responsibility. we have about 1000 troops in iraq now, 775 are new. e are about to go into

recess and then we come back for the election. my belief is that you will see our involvement in iraq escalate during that time and congress has said nothing up to this time. this is becoming a habit whether it is drone strikes in pakistan or yemen or at military engagement in libya. we are just sitting back and sure can you responsibility. i think the american people expect congress to debate these issues and to vote on them. reengagehink we should militarily in iraq but some members do think that and i think we should have that debate and congress should put forward a resolution authorizing whatever action they believe the administration should have the ability to take. i will vote no on that the people who one should vote yes. i don't know where the votes are. and notion of going along letting it drift on, we are in

the age of endless wars. is one of the longest wars in our country. it's not just the leadership of iraq. anter jones and i introduced amendment to the defense authorization bill afghanistan. we said that the president set a couple of years ago we would be out of afghanistan in 2014. he wants to stay longer but he should submit a plan to congress and we should vote up or down on it. we worked on the amendment the bipartisan way of it was jive germane to the defense authorization bill and the rules committee at the behest of the republican leadership. it would not allow us to debate it. i think the american people expect us to live up to our responsibility. they understand these wars are costly in terms of love and treasure. halfway downems the block we need to deal with.

congress should do his job is all i am saying. steven froms laurel, maryland, on our democrats line, go ahead. caller: i have a couple of questions. going -u see iraq [inaudible] what do you feel are the threats to america that may be developing? did we pass out ids in iraq during our time there? does it identify people by the sectarian beliefs? guest: i opposed the original

war in iraq. we were lied to and told her map -- weapons of mass destruction and we were there to get them and that's what we needed to do to topple the iraqi government. that was a lie. that did not happen. we invested an awful lot of you as resources in that country. we train their military and gave them the best weaponry in the world. the reason we left iraq is because the iraqis did not what is there anymore. that was why we left. the situation is out of control today not because of a lack of u.s. investment in the country . the government is a lousy and rotten and corrupt brutal government. major sectors of that country from participating in government. it has been next close of government. as a result, people are fed up.

isis is a rotten organization and is gaining traction not just with extremists but some moderate elements of ethnic minorities or religious minorities because those people are fed up with the government of iraq. things that needs to happen is the government of iraq needs to include more people. it needs to be a government that represents all people them and not just a sliver of the country. ultimately will be resolved by a political solution. putting u.s. boots on the ground and air strikes are drone strikes, i don't fix solves the problem. the problem is that the government of iraq is terrible. ways, youy fix their will see this go on and on forever whether u.s. troops are there were none. likenited states is not

isisi and we don't like so why are we sending troops and? there are more iraq you troops of been isis fighters by far. the iraqi armed forces are better trained and more equipped and yet they are not fighting. there's an article the other day in "the washington post" about how in some areas of iraq, military commanders are deserting and sore their troops. if they are now went to fight these guys, why are we going to fight them? there are serious questions here that need to be addressed but congress needs to have this debate. this is a serious issue. rather than talking about lawsuits, we are re-engaging militarily in this war in iraq . we are getting sucked in deeper and now is the time to debate this issue before americans come home in body bags and before there is an all-out offensive or an airstrike.

now is the time to debate with our role should be whether or not we should reengage militarily. good morning, gentlemen. mantra from the left seem to be that congress does not do anything. as a republican and a very heavily taxed corporate owner, the republicans are doing exactly what i sent my representative there to do. taxes down and keep them out of your hands so that you could have another privileged vote buying program. that's all they are. appreciate your comments but here's the deal -- if i were republican, i would be frustrated with this republican leadership. we went to war in iraq and we did not pay for the war. it went on our credit card, trillions of dollars.

womened our young men and in the armed forces to sacrifice their lives and serve in hostility. we asked their families to go through hell when they were serving and the rest of us were asked to do nothing. we did not pay for the war, trillions and chileans of dollars. this has been added to our debt because of the wars. it's because congress did not do his job. if you're going to war, you should be able to pay for it. war, you should pay for it and if you're not willing, maybe should not go. one of the reasons we are pushing this rule is reveled that resolution is need to ask these questions now. are we going to get involved it going to much is cost and how deeply will be -- will we be involved and how much do we need to give up? we got roads and bridges that are collapsing in this country. we've got schools that need to be repaired we got all kinds of

issues that we need to deal with. we still have a lot of unemployed people. atget sucked into a war congress be silence and do nothing, i think that is an of our constitutional responsibilities. caller: southlake, texas, independent line. caller: i've got several things to say. you are talking about congress not doing their job and you are right, they don't on both sides, not just the republicans and not just the press. you guys are living president obama do executive orders that affect everybody in this country , for instance the health care bill. the majority of the american people did not want the health care bill. through in the illegal terms. then you set up there. you are going to let president obama make the decisions and

take the government away from big government by the people and for the people than you guys don't need a job. guest: i appreciate your comments. i voted for the affordable care act and i'm glad i did. tons of minds of people now have health care who did not area we are reforming our health care system in the majority of the house voted for it and the majority in the senate voted for it. that's the way this place is opposed to work. you may not agree with the but the bottom line is it was done with votes from the house and the senate and the president signed it. what i'm concerned about today is the fact that when it comes to war, we should have a debate and we should have a vote. we should be clear about what we are getting into. that forstrating to me some reason, there was no desire to debate these issues but the

leadership goes out of its way to prevent is having those debates on the house floor and having those votes. nothing is more important than sending your men and women into war. why don't we debate these things? maybe through debate, we can realize this is pure folly and not want to do it. maybe through debate, those who militarily may make the good arguments but to be silent? to be focused on lawsuits is just fine dump. host: from arizona, this is steve, republican line, go ahead. a lot of time it seems like the bottom-line problem is when they get down to a will -- when it comes down to a bill, democrats have a lot of add-ons.

is goingr-pointing both ways. when you get right down to the bottom line, it always seems like it's the republicans not wanting to pass a bill because the democrats put a bunch of add-ons onto the bill that they don't like and that's what really boils down to. my idea to help this iraq war thing is they need to have a volunteer system, all bunch of guys who are out of work and a whole bunch of guys who have equipment so if we take iraq back over, guest: republicans at things onto bills all the time. i have seen republicans at on provisions to protect big truck companies -- big drug companies and corporations. we are talking about

today whether it is the new war in iraq or immigration reform or whether it's ringing a minimum wage to the floor or pay equity for women is that we should he able to have an opportunity to deliberate on those things. that means bringing them up for debate on the floor. republicans control the house of representatives. chances are, they will win on almost everything they want. they run a very tight ship. they insist on absolute discipline their votes. that we don't like with the senate did on this or that and we are going to do me, defeatst, to the purpose of having a congress. i talk to a lot of republicans are really do want to legislate and deliberate and get down to the serious business of trying to help get this economy on the right track and try to make education more affordable for kids and try to do the right thing in terms of our foreign policy.

there is a republican leadership in the house that says important issues do not come to the floor. if you don't like the immigration bill, you can vote no. if you think we should go to war in iraq, then vote yes. to deny the opportunity for these issues to be debated and voted on in the people's houses ludicrous. you should be outraged. we have 1000 troops in iraq right now. during the august recess, we will see more go or there might be airstrikes. host: that would be authorized by the president? guest: right, i'm not faulting the white house because the white house has done its job. it has notified us of each time it increases their deployment. i am faulting congress for not doing what we should do under the war powers resolution have this debate and author is something. boehner orjohn

someone else wants to come up with an authorization bill that is a better approach than what i have proposed, fine. nothing asng, to do he put more men and women harm's way, is outrageous. i don't care what your political persuasion is. you should call the speaker and say we should have a vote and a debate on the war in iraq. host: are you hearing from representative james mcgovern. democrats line, high. caller: hello. i don't think obama should get sucked into iraq or send more troops in. made congress vote on sending any troops back into their.

they could have their vote be a yes or a no. do it or not. since the republicans don't want to extend unemployment insurance, people should band together and sue the republicans. the republicans don't want to do anything at all. to help the american people, nothing. they always talk about executive if thethat the president republicans are not going to do anything, that's fine. won two elections and that frustrates the republicans but it's the fact. we have a divided congress and a democratically controlled senate housepublican control which means that have to be

compromises. unfortunately, the house has a leadership that is not uncompromising -- that is uncompromising. we will get sucked into taking sides in iraq in a religious and sectarian war which there is no way to win we end up getting deeper and deeper. it is more and more costly. we should have that debate. jones andt walter barbara lee and i are suggesting that there be a debate and the vote and people go on record as to whether they want to reengage militarily in iraq or whether we should pursue some other option. i am always frustrated. we are always given two options -- to do nothing or you have to put boots on the ground. we would have to bomb. meetimes that frustrates

that there is a lack of imagination. what i have learned from the last two words that word is not solve everything. we should be very careful how we deploy our troops overseas and when we put our men and women in harms way and that's what is so important that before we leave for our august recess that we have this debate. this is important. it'slawsuit is nutty, crazy. the are suing the fact that affordable care act is working. it's not over president who lied about weapons of mass destruction and brought us into an unnecessary war where thousands of americans were killed. the lawsuit is not over whether a president traded arms for hostages. the health-care bill is working. to my republican colleagues, that is a great frustration but

it is working, tens of thousands of people now have health care did not. what a terrible thing. host: next up is ida from brownsville, new jersey. caller: how are you? i like the answer you just gave. didn't president obama introduce in --ation reform in 2008 and congress said definitely no way?

but trying to -- it's not going to work. >> thanks, ida. i agree. look, it's the congress -- it's responsibilities. i find that very frustrating. on immigration, again. the president, he's tried to work with congress. the united states senate in bipartisan came up with -- they passed it in a bipartisan way. i think if you brought to it the house floor it would pass but we can't even get them to schedule it. so when i hear people, i hear

some of my republican friends on talk shows whaling away about the immigration crisis. the bottom line is they have done nothing. and they wouldn't let us do anything. bring it up for a vote. let the house of representatives deliberate. give the president something to sign. but to sit around and complain and point fingers and do nothing is absolutely unconscionable especially with the immigration issue >> from southampton pennsylvania, this is john caller: thanks to c pan. good morning congressman. i admire your position with respect to iraq. walter jones is my favorite congressman. i've got a couple points i'd like to make. i have a question. the one key thing that is rarely

mentioned publicly is the bill literally triples the amount of legal immigration over the next ten years. 30 million new workers. mostly unskilled. but it also increased trips the number of h one b technical workers. now we don't need workers as we did a century ago. we don't need strong back people. with roboticss -- i see on pbs all the time the incredible advances they are working with robotics. we just heard the republican congressman talk about how they are making great strides. new machines they are introducing >> caller, your question first caller: okay.

my son is a graduate of an ivy league school. he works in the science technology area. i constantly hear there's a shortage. in may/june they hire their new graduates. he's shocked with the number of people with masters and phd's from elite schools that are applying for entry level positions guest: one of the ben fists of the reform is it can add close to a trillion dollars in additional revenue over the next 20 years which we can use to pay down our debt and invest in other areas to create jobs and promote economic development. i think the caller is frustrated

over the fact there's not enough jobs for people graduating with some of these advance degrees. we need to invest in our economy in a way that will create those jobs for those well-trained highly skilled workers. one example, medical research. we had sequestration, we had a government shut down and we haven't department investments in nih and national institute of science where they need to be. as a result we are losing workers where they need to be to singapore and china where they are investing more. we need to invest in areas of economy that will not only grow jobs but also have other benefits. alzheimer's disease, not only would you improve the quality of life for other people, you also

save a lot of money. long-term care for alzheimer's patients is expensive. we are the country that put a man on the moon. we should say in the next ten years we will invest whatever is necessary to cure alzheimer's. if we had the support of the president we can do amazing things and the create more jobs and improve the quality of life for people >> kelly from georgeia, go ahead caller: i have two statements and two questions if you'll allow me but i'll go really quick. the first two years the president was in office he had the house and the senate. there was not one republican that voted for the health care bill so he should have gotten through anything on immigration that he wanted. my other two things was if i'm

not mistaken, hasn't the house been through many bills that harry reed will not bring to the floor? i was very excited about your unemployment numbers this month. that's great for the country. however, i did notice a correlation that due to about the time you cut off the unemployment, the house is willing to give back the unemployment if you will find a way to pay for it. just as you were saying those great unemployment numbers that was about 3 to 6 months after you cut off the unemployment insurance. i thought that maybe some what of a correlation host: thanks, caller guest: as far as the insurance benefits, the republicans had

all these requirements that had to be paid for. when bush was president they didn't require them to pay for it but when obama was president they had to go through additional hoops. i just don't think the house leadership believes we have any obligation to those americans who have suffered greatly because of this difficult economy. in terms of the jobs bills, i'm on the rules committee. almost every bill that comes to the house floor goes to the rules committee. they call things jobs bills but what they are are bills to undo environmental protection regulations or bills that would basically give kind of a big white kiss the big corporations. but to my knowledge, anything that would create any real jobs, other than enhance the pockets of those who are most generous to the republican national committee. so i go back and, you know, look

at the fine print. and we need a highway bill. so instead of bringing a highway bill a long-term highway bill to the floor and they're in charge they bring a tiny little extension but we need to provide certainty to communities. look in terms of immigration, i wish the president could have gotten immigration reform in the first two years when the democrats controlled the house and senate and i wish he could have gotten world peace through. there are a thousand things i wish you could have gotten done. i think it's a little unfair to say in two years should have solved all the world's problems. the united states senate in a bipartisan way, democrats and republicans voted for a comprehensive immigration reform bill. they got it right. why can't the house of representatives at least bring it up for a vote and debate?

what is wrong with a little democracy? what is wrong with a little debate? this is the people's house. the united states, you know, and the speaker of the house ought to schedule these things. not point fingers but schedule them. host: glenda from tennessee, independent line caller: they're crying about the medical. i've seen a doctor, she was a specialist, doctor elizabeth. she said we were going to have -- they're in the classroom with all the other kids. there were already some of the border guards have come down

with tb. the medical hospitals have been threaten threatened. she said they were not breaking the hipaa laws because if you broke the hipaa law you would have to tell the names. guest: i don't buy that conspiracy theory. these people coming into the country are being evaluated and checked. let me say, i really think it's offensive when people refer to these children as illegals. majority of them are refugees. these are young people fleeing violence in their home countries. i've been to el salvador and some of these countries. in many cases these kids are fleeing for their lives. these are refugees. we are a country that insists that other countries around the

world take in refugees during times of crisis. we ought to be an example that we will do the same thing. these kids, they're coming into our country, deserve our help. and so we should lower their rhetoric and make sure these kids get the help they need. also focus in on some of the root causes as to why these young children are coming into our country t violence, lack of government, corruption, needs to be dealt . the violence, lack of government, corruption, needs to be dealt with. let's please we are talking about human beings, young kids. host: mary from new mexico, republican line caller: good morning. i have a question about going back to war in iran --

guest: irac caller: not iran, irac. maybe you can explain it to me. because when i was in civics if we went to war that was the decision of the president. he came to -- he would come to the house of representatives with the proposal and they would debate it. so it's not going to be up to speaker boehner where you debate going back to war in iraq or not. that would have to come from a proposal from the president first wouldn't it? host: yes. every time he increases troop deployments he sends up a message and says consistent with the war powers resolution. so the president has done what he is supposed to do. congress has not done what it is supposed to do. the constitution gives us some authority here and we are not doing what we are supposed to do constitutionally. look, i disagree with the

president's policy but the president -- this problem is not the president's fault. this problem we have right now with the lack of debate and votes on wars and military actions is a problem that the speaker of the house has inflicted on the congress. i mean, we ought to have a debate, we ought to have a vote. as i mentioned earlier we tried to have a debate and vote on the president's plan to keep troops in afghanistan longer than 2014. the amendment walter jones and i brought was germane, it fit, it was the right thing. what is more important to talk about than war? they said you can't debate it, you can't vote it. here we are a thousand troops in iraq, we can't get a vote or debate. i mean there is something wrong with that. that is the problem in the

congress. that is not a problem as a result of the white house host: our final call this morning, pennsylvania. this is alice, democrats line, thanks for taking my call. to the lady from tennessee i want to say tb doesn't happen that fast. my question for mr. mcgovern is the highway bill seems to me that the whole thing is robbing from peter to pay paul. and what pension funds are you raising to cover this bill? guest: the republicans will say they're not raiding any plans and will ultimately be reimbursed. what we are doing is a short-term fix for several months. the reality is we are long overdue for a short-term fix.

people can plan over a long period of time. we need to be talking about where the pay-fors and revenues are going to come from. one of the problems we are having right now is you have a tea party wing and the house of representatives that signed pledgess that no new revenuess, no new taxes, no new user fees or whatever. so they're basically backed themselves into a corner where they can't find any offsets other than raiding pension systems. so this is a long-term challenge. i hope when the election is over with we might have a couple of months of sanity where we can talk about how we solve some of these big problems. but what congress is doing right now is kicking the can down the road and that's unfortunate host: the washington times reports passage of the stopgap

bill measure guest: the house bill, we put a lot of communities, a lot of projects in jeopardy but it's just a short-term fix. we ought to have a long-term highway bill over many, many years. and to do that we need to find a pay-for. the problem is you have people that sign pledges that basically block them from being able to endorse any kind of pay-for. i think people ought to come to congress to fix problems, not create more problems. and i think the problem right now is you've too many people who came here by campaigning against government, demonizing government. they're unable to govern. compromise is a dirty word in this place. so they shut the government down. we have sequestration. we can't debate wars. it's absurd what is going on here. people need to reclaim their

government. i'm a democrat, i want the democrats still in control of the house and they control the senate. we have the better priorities. but send people here who want to fix things. don't just send obstructionists here. anybody can get up and complain and say no but you need people up here in both parties that can work together to get things done host: the guest you've been listening to is james mcgovern. thank for your time guest: thanks for having me. host: a study found we rated midway. first, we will hear our news update from c-span radio >> it's 9:18. the israeli military says it has resumed air strikes on gaza after militants violated a

broker by egypt. in six hours gaza militants fired about 60 rockets all over israel. no injuries were reported. after holding fire for six hours israel has resumed operational activities. foreign secretary says he will quit the house of commons after the 2015 elections. michael gov is to become the new chief whip. this as mr. cameron promotes more women into top jobs. we'll hear more and all of these changes tomorrow morning when questions to the prime minister airs on c-span two.

you can watch it life at 7:00 a.m. or watch it sunday night at 9:00 p.m. eastern. retail sales rows 0.02 percent. consumers remain cautious despite job gains. you can listen to the senate banking committee live at 10:00 a.m. eastern time on c-span radio or watch it live on c-span three. those are some of the latest headlines on c-span radio. we are at the henry a wallace country life center which is 50 miles southwest of des moines. the patriarch was known as uncle

henry and he was the founder of farmer magazine. his son, henry c wallace was us secretary of agriculture under woodrow wilson. he went on to become editor of farmer magazine. he was then asked by franklin roosevelt to serve. 1941 to 1945 he was roosevelt as vice president. as us secretary of agriculture he is known for the agricultural adjustment act which was the first time that farmers were asked not to produce. at first people couldn't believe the things he was proposing regarding that but then as prices went up, they started to listen to him.

and people still refer to him todays that genius secretary of agriculture >> explore the history and literary life of des moines, iowa on american history tv on c 3spspan3 >> "washington journal" continues. >> we are here to talk about financial literacy in the united states. good morning. the financial literacy group, what is it >> it's a group that helps government and non-profits with financial research hosti held that position over five years and we focused on financial literacy throughout the country. i think what we are about to

talk about this survey shows why this is important. consumers play an important role in this economy. and if they make mistakes that aren't in their best interests it has affects, certainly as we saw in the housing crisis. that office was set up a few years ago and it was an inspired move to set it up host: so before we go too far when you say consumer literacy or financial literacy what are we talking about? guest: everything from preparing yourself for retirement, to getting a bank account if you don't have one. to managing basic things like a credit card, figuring out your mortgage, being able to budget. basically doing what you and your family need to do to get by in today's economy. there's so many choice today's than there were 30 or 40 years ago. we have a lot of abundance in credit cards, in mortgages. we are responsible for managing our own pensions and retirement

plans so there's a need that there wasn't before host: one of the things that you highlight was a recent study taking a look at young people, their fiscal literacy skills and comparing them across. world. what was the study? guest: sure. an international organization has an organization within in which is the program for international student assessment. they look at math, science, reading. but this year for the first time they include financial literacy in their battery of tests. in 18 countries they asked what they knew about financial matters. they found the us didn't stack up too well. the score, the mean, we were below the mean and 8th out of 19 countries. it gave us a lot of good data on the us host: so the questions were what kind of questions host: they would ask people

things like could you understand an invoice if you were in business. could you understand withdrawals on a paycheck. they asked about budgeting, comparing rates on loans. basic tools people will need as they enter a adulthood host: talking about the united states ranking guest: i think the united states ranking tells us something about what we can learn from other nations. australia and new zealand we can learn a lot from. but it doesn't make our kids any smarter or any worse. i hate to over focus on the comparison because we don't want to lose sight of what we need to do in this country.

most nations can do a lot better on this. host: what do we learn from countries that scored well on the chart? guest: i think australia is one of the best apples to apples comparisons. they have a much more highly coordinated effort between the national level, the state level, even down to the classroom. they have a national curriculum they encourage but don't mandate schools use. they do a lot on teacher training and include financial literacy in multiple levels so it's not just high school or grade school, it's all of the above >> so our guest to talk about financial literacy in the united states, the result of the survey which you have talked about and other issues related to it. if you want to give your thoughts, if you fall when the agess of 18 to 29, call 202-585-3880. if you call between 30 and 49,

202-585-3881. if you are 50 plus, 202-585-3882. and all these ages i guess you would say need to learn something about it especially at the age they fall guest: that's one. one of the mistakes some critics make it's to presume it's a one-shot deal. that's not how it happens. it's important to have this base so as you move forward in life when these things come up this wouldn't be the first time you've thought of a mortgagor heard of a stock portfolio. this is really foundational learning and we build on it at every age >> is there current curriculum in if united states at public schools that deal with these issues? >> there is. a lot of produced by ngo's, some

are great and some are not so great. sometimes teachers are at a loss as to which materials they use. >> when it comes down to age groups, does the federal government offer programs to help with this? guest: they do. we launched a website and i said been improved by treasury called my money.gov. it's a website with materials from 20 plus federal agencies, easy to use. that's a great tool. other things put out by the federal deposit insurance corporation called money smart and there's other adult curricula as well. >> my money dot gov what does it teach you? >> when is it wise to collect social security? what are your rights when buying stock. it may tell you how to get basic

bank accounts from the fdic. treasury has it's own materials on there. so it really covers the waterfront. there's a lot of other nonprofits out there and even some profits that have good materials as well on the web host: don here to talk about financial literacy. patricia, you are up first, go ahead caller: my question was if you had actually gone into the public schools to see if your programs which i'm so glad you have programs available. where we are they don't teach anything with financial literacy. they just don't teach that kind of stuff in the school anymore. they did when i was young enough to be in school but they don't anymore. guest: certainly implementation is a big issue and that's where teacher training comes in. you can ever all the terms in the world but if teachers don't

feel like they have a background in it and most americans don't it's going to be hard to bring night the classroom. missouri is one of the states that has the toughest or best requirements in the nation. they have a graduation requirement for a financial literacy class taken senior year. i wou saying this deserves the same recognition, the same attention as math, as science, as reading host: fairfield, connecticut, tim. good morning caller: good morning. i want to thank you for bringing financial literacy to light but are you going to look at the historical impacts of the 208 recession so we know what to

expect if that's going to happen again guest: i can't know what 18 different nations were deciding when they decided to sign up for the financial literacy. the crash was a wake up call. certainly the consumer was not the prime driver of the crash but one piece of it. so if we educate consumers perhaps the next time the next sure thing comes along like a house that will only go up in value, they will be able to pause and say this may not work. what does the research say? should i get a tip from somebody else? host: here from willingboro,

new jersey. this is cg caller: hi, how are you. this is a very, very important subject that is being discussed right now and based on i'm just going to speak in balance to the spiritual and national realms, that basically the training should start at home and the teaching should be based upon the need of knowing what the future, not only for the present but what the future would hold of educating not only the children but the parent of passing on the knowledge of what and how to live because finance is very important. it's really the backbone of any and everything that a person may do. and financially speaking it should not wait until as it's been stated here listening to

the other person that spoke prior, based upon everything, not waiting until just before graduation from high school. this is a very important basics of what everyone should be involved in and know about. and i'm saying as far as for the protection of knowing how to choose a candidate, based on the concept of where the person's morality is when it comes to understanding the importance of finances host: can i ask you a question? what kind of financial education did you receive? caller: from a great grandmother and a great grandfather that was always showing us how to leverage any monies we had of keeping it in the family as long as possible by doing work with them, getting paid. not for chores, never for that. not for chores. that was a part of living.

but when you did a little extra something. when i was five years old i would get a quarter and i would take that quarter, not put it just in my piggy bank. i loved to hear the rattle. as a matter of fact my grandmother called me honey money. one of the things we would always receive the youngest of the children when relatives woe come in they would give you a piece of money. i learned the difference from the nickle or the penny. then i learned that the value of the nickle wasn't as great as a dime back then. you know how small a dime is. but we would forever be learned or -- when i say learned through the experience, teach. we were always being learned host: thank you, i appreciate your thoughts this morning. guest: lots to cover there. it's not only a good story but one borne out by the data. one of the biggest things to

come out of that research is learning by doing is very important. students who had a bank account did better on this test. students that didn't have a bank account who had a little bit have money, it might be gifts like you mentioned or work from part-time jobs, those students did better, too. so in the field we call that experiential learning, the idea of getting your hands dirty and not just making it something in a book. so what your relatives taught you was on the mark guest: maryland, this is sandy caller: hi, this is a great segment. i wish c-span will divide callers more this way instead of by politics because we don't get anywhere. but i would like to say that financial illiteracy is great for a capitalist country because people are spending their money on frivolous things. one of the worst things we have

now is things like american idol or reality shows because young people all they have to do is do something stupid and they will make a lot of money so great show, thank you. guest: that's good to hear. there's a lot of good things that come out of this i think in reference to what the caller is mentioning. some important points to come out of this study which go to exactly what you are thinking, if you hit them several times, if there are several touch points they will do better some you talked about an influence of television. influence of parents can be greatly impact full for their financial literacy skills. if you you have conversations with your kids about money they're going to do better on a test like this. if you have one class it's good but several classes at different age groups you'll do even better. so it's that idea of multiple touch points. most of us did not learn to read

or write in one class. we learned over years and years and apply it in our adult lives. financial literacy es -- is very much like that >> one of the callers said did you offer classes on how to balance a checkbook? guest: students will pick up things targeted to them. most of them are using debt cards. there are classes out in from a lot of nonprofits and a lot of government programs as well. there's a lot of programs out there on the very basics. we find that's important especially for low-income consumers, understanding how basic bank account works. that will save them from going to alternative service providers

who may have higher fees. it could be pawn shops, pay-day lenders, check cashing services, all these services very well play be legal within the state they operate but it's going to be better for fees and other terms for a consumetory -- consumer to go to a regulated financial institution or bank. i think we do see that's an issue. and the banks have been trying to learn about making themselves more accessible. if you go to a shopping mall where consumers are or you have hours that are open late, that's better more some consumers so some banks are starting to be more inciteful and starting to replicate some of those marketing tactics t and earned

the trust. >> from denver colorado, good morning caller: there was an interesting point, i'm from a low income area and therefore i was not educated on the advantages of being financially conservative. and learned the hard way as far as interest rates and stuff like that. but my question is, i understand how retirement works, i understand the concept. why you should -- i'm asking for some guidance and where i can go to educate myself. my biggest fear right now is not being financially prepared to retire. i've attended financial seminars

and i'm consistently the youngest one in those seminars. they are more geared towards those that have been in it for a while or exiting out of it host: thanks guest: it raises great issues. 59 percent of americans have not tried to figure put -- out what it's going to take for them to retire. so you're ahead of the game just by thinking about it. hopefully if you can put some money away the power of compounding will help you immensely. there's a good resource for talking to your kids about money, there's a number of them. jump start.org which is a coalition. they have a whole host of materials you can use, most of which are free of charge so i would direct you there. but i would also direct you

there to keep thinking about retirement and do whatever you can in your 20s because it will matter. the whole point of financial literacy is to learn from school with out having to learn from the school of hard knocks and make mistakes and that's the way most american adults learn. they make mistakes and do better next time >> another in his 20's, jonathan from arkansas caller: financial literacy in public schools, if my parents didn't tell me how to balance a checkbook i really would have never known. i have friends taking out credit cards in college and paying off credit cards with credit cards >> do you still use a checkbook? caller: not all the time. mostly for more miscellaneous things like rent and things like

that. but i mean if i haven't been taught by my parents i wouldn't have known how to use one host: have you been educated as far as how a credit card works and do you have credit cards? caller: i'm educated on how they work but do i not have credit cards guest: i think it goes to the idea that this needs to be out in if united states more. i think we just need to be in more classrooms. right now only four states have very strict requirements, missouri is one. 20 something states have some other other requirements of financial literacy, half have none at all. kudos on the teachers doing it to teach financial literacy. it's not going to teach everything but at least it's a start. it sounds like a lots of the people our caller has run into

has not had that chance host: financial soccer. what about the area of financial services companies? guest: financial services companies have not just an responsibility but an opportunity. these people are going to be future customers. if they know how to use the products well, the companies are going to benefit. as our caller mentioned previously, they can always opt not to use a credit card at all. they have other options. to do things that are non-selling, good research-based materials can only help the process. host: are credit cards -- how young can a person before before they get a credit card? is it easier nowadays? guest: it's slightly harder than it was because of the card act a few years ago.

before that time age 18 you can very easily get a credit card. now you can get one at 18 but you have to show you can pay it back so there's a few more hoops to jump through. typically by age 21 credit cars are more available. if a student wants one and can jump through the hoops they can get one at 18 host: in virginia this is barbara. go ahead please caller: i'm in the over 50 age group and i know you're starting to address that increase now but the impact of credit cards on this country -- when i first started working there was no such thing. we started with a layaway system and then moved to credit cards. and to me at that point is when i first saw cashiers in a store that couldn't make change properly. and now we have cash registers

that automatically do it because the person can't count and can't make change for a dollar. and this is just gone throughout our economy all the way up to the terrible terrible mess we have in credit card debt and children who do not understand the value of the dollar. i'll take your response off line, thank you. guest: well credit cards are a tool for good and dangerous tool at the same time depending how you use them. what we are seeing is young people did not have the life cycle that you did, that is to be gradually introduced to credit cards. they are coming out of the gate, out of graduation, and being hit with a market that has all these things on day one. so they don't have a chance to see it as deal with it in slow motion as you did or over years. so that's really part of the problem.

and again, it's a case where our financial choices have out paced our knowledge. we don't know anymore or less as i said earlier than our grandparents know we just need to know a lot more. it's how we catch up to all the innovations in financial services host: ken up next from ridgewood, new york caller: i'm calling from the over 30's group. i've always been of the opinion but i'd be interested to know if there's a similar study of the financial literacy of the elderly. the reason i ask is i live with my parents oon i've seen first hand they have done nothing to plan for my future, despite my dad's pension and my mom's social security, they had a really hard time saving. i don't know if it's the economy or a generational thing

guest: a couple things. first there is a study. a foundation has done a study in 2012 and it's a follow-up -- the results came out in 2013. it's a follow-up from a baseline study done in 2009. so that study focuses on adults, american adults. you'll see it broken down by age so look that up and you can get all the data you want. but an important thing that is trapping a lot of american seniors now is they have gotten caught in this switch from defined contribution -- defined benefit program to defined contributions. in the old days you would go to your mailbox and get a check. now the companies only tell you what they're going to put in and when you get to retirement you

have a lump sum. what do you do? how do you spend your money down? that's a complicated question. you have to factor how long you're going to live, how long is your spouse going to be around and how do you work social security into all this. so to ask people with out any training to pull this off is asking a lot. i would image your parents respect dealing with a lot of these same issues. host: caller, go ahead caller: good morning. thank you for taking my call. i came from a one-horse town in east texas and we had a teach they're put something on my mind in the third grade said if you don't put something aside from tomorrow, you don't plan to be there. i wanted to make a statement more or less. it was a great learning to me back in the third grade host: so what is the best

financial advice you've learned since then. you're 72. what pieces of wisdom do you want to pass on to the audience caller: always put something aside. pay yourself. something i learned, pay yourself. don't care what you make, pay yourself a little something. i found that to be successful. i'm getting by pretty easy host: did you use credit cards and the like? caller: yeah, but you have to use it sparingly host: thanks, homer guest: that's great advice. pay yourself first. i'm glad he found good benefit by doing. he gets to another point which is important to highlight. teaching people this, getting the knowledge is important but the knowledge is meaningless if it doesn't result in behavior. so there's been a lot of good studies on brain chemistry on

behavioral economics which figures out how we turn a good thought into a good action so you're seeing more and more programs and materials interventions from the government nonprofits and other universitys that take that into account. a good example of that is automatic enrollment in 401(k)s. of course you can opt out but it puts you in there. people don't generally undo that. so just by inertia, laziness if you will, they will be helped. those sorts of interventions and programs can help us turn our good thoughts into good actions host: eric up next from pittsburgh, pennsylvania. you're on caller: good morning. i teach at a school. most of my students are from oriental parents.

american parent don't seem to value the game. it's basic math. host: okay. allen, 76 years old, hello caller: hello. how are you doing? host: fine sir, go ahead please caller: i've worked for 20 something years. i came out with a good pension. i have a good life. i worked at just host: you're listening to yourself. caller: i worked in a shipyard and i came out with a good pension. and i save a lot. host: you need to turn down your television. let me put you on hold while you do that. we have ted from oregon, hello caller: good morning. i'm an old guy now at 55. i was raised by parents that

went through the great depression. like dad used to say if you need to buy something on time payments you cannot afford it. and i've never had a credit card or a loan for a car or a boat or anything. i own a house, i own property. i was able to put 50 percent down on a house that i bought $125,000 and put the rest on a va loan. my first question every banker i deal with is let me see your fee card. the last bank i had was charging me $3.50 to move money, that's the last i heard of that bank. check the fee list of your banker. thank you guest: knowing what you get into before and during your

relationship with a financial institution is important. good financial institutions want you to be aware of those things. you need to be able to dig into the details host: is the paperwork easier now a days? guest: we have seen advances in the hud documents around mortgages but overall credit card applications are very difficult to go through. i still encourage people to make the attempt on a previous life i was an attorney and it was my job to write some of those things. no matter how simplistically you want to write them, what you're describing is so complicated and sometimes statutes come in play that it ends up being several pages to go through. but read the fine print host: here is allen from ark son caller: i had a good life. i worked for 20 something years,

came out with a good pension, i saved a lot of bonds. i was getting 52 benonds a year. i'm doing good, me and my wife. but it was better when bush was in there. i get a better raise with bush social security wise, bush looked out for the senior citizens host: thanks guest: a lot of people in early retirement need to think about the idea of when to claim your social security benefits. more and more studies are showing it's probably in everyone's best interests to wait as long as they can because they will get more but it's a difficult thing to figure out all the variables involved in your retirement and again how long you'll be around and making sure you have enough money so you don't out live it host: he said he bond have have

-- bought a bond a week it sounds like. okay, ne next caller, i was thinking of the challenge i've had and how many adults are not financial litterate in my lifetime. i was told you work hard, make your pay, get rewarded for it. typically it took 30 years to pay your dues. well today typically you don't get that 30 years year that we wi will -- had the opportunity to do. so coupled with social impacts where the kids don't seem to

realize there's an internal and external locus of control, you think you're in charge of your life or your financial ability or you don't think you're in charge of it. and they have to be taught that they have to choose whether to take control or not. once they do, the old 40 hour a week, five days a week, my old life i wasn't even allowed that. i worked multiple jobs. i was good at math. so i could see an accumulation over time if you did this what you would end up with. host: thanks, william guest: he raises a lots of good points. let me bring some back to the survey because he hits on something important. some people are under the impression you need to be good at math to understand this truly

you don't. you need to understand what goes up. you can do it with very minimal math. in fact the study showed financial literacy is for everyone. there are students that did better in the financial literacy category than the math category. host: as a starting point if someone wanted to learn today how to better manager their money what would you advice from the start? guest: i would advice them to go to the my money.gov site. that's an easy place to start because it's unbiased. they're not trying to sell you anything, it's the federal government. then there are a variety of sources. there's good for-profit materials but you want to make sure you're being educated, not marketed. and those materials exist. i think a lot of good things on the web there are.

if they're in the crisis moment, there's a lot of good non--profit credit counseling organizations host: one on one does it go to state and local levels as well? host: some grants are given to the state level. some credit counseling organizations are funded by the industry so a lot of industry organizations would rather see somebody get credit counseling than go to bankruptcy. so those sorts of things are there. sometimes they're at a fee but the fee can be reduced if someone can't afford it host: as far as the costs, are the programs provided fee? there is a cost associated? how does that work guest: many are provided free of charge of a lot of these materials are funded sometimes

by state local governments and frequently by financial institutions. we do see a difference between the us and other countries. here it's more diffuse, most are free host: we started talking about that survey. when does it get reevaluated host: guest: there will be another one in 2015. these are just the baseline. you can see what your country has done in between those times and if it worked host: our guest has been dan dan -- dan iannicola host: it's going to tell what you our capabilities are to create programs.

but the direct to consumer programs i would refer to my money.gov s host: dan iannicola, thanks for your time this morning. our focus now will come in to matters of the house. that's it for our program today. another program comes your way tomorrow morning at 7:00. see you then. [captioning performed by the national captioning institute] the speaker pro tempore: the house will be in order. the chair lays before the house mm