multiple nondiscrimination rules add complexity to the administration of these plans. while nondiscrimination rules are a means of making sure that lower paid employees share in the benefits provided under these savings plans, some commentators argue that the level of complexity is excessive in relation to the benefits that lower paid employees receive. the administration's 2004 budget proposal outlined a simplified system of retirement savings with only three types of tax favored vehicles -- lifetime savings accounts, lsas, retirement savings accounts, rsas, and employer retirement savings accounts ersas. lifetime savings accounts, individuals would be able to contribute $5,000 on an after tax base toys an lsa. amounts contributed would grow on a tax free basis. there would be no income limitations on who could contribute to an lsa. distributions from these accounts could be made at any time regardless of the individual's age, and could be used for any reason by the account owner. those individuals with limited means to save might be more willing to contribute to an l

multiple nondiscrimination rules at complexity to the administration of these plans. will nondiscrimination rules are a means of making sure that the lower paid employees share in the benefits provided by the savings plans, some commentators argue that the level of complexity is excessive in relation to the benefits that lower paid employees receive. the administration's 2004 budget proposal outlines a simplified system of retirement savings with only three types of favored vehicles. lifetime savings accounts, lsa's retirement savings accounts, an and employer retirement savings accounts, he rsa's. lifetime savings account some individuals would contribute $5000 on an after-tax basis to an lsa. amounts contributed would grow on a tax-free basis. there would be no income limitations on contributors to the lsa. distributions from these accounts could be made any time regardless of the individuals age and can be used for any reason by the owner. those individuals might be more willing to conjure between lsa because they could access the money saved in the lsa in the even

these nondiscrimination's do that.it's a matter of getting access to more people and that is why again we are strong supporters of something something the auto ira program that would just make these arrangements available to more workers and just grow what we have here. >> you mentioned that in another time and another. that the banks would stay open and i remember rushing down to bang when i was much younger, had all of my hair and with my wife before the banks closed to get a $2000 honorary. would have been in that spirit would have been? >> well, that was one of the things that we propose doing in the bush administration simplification proposals. what happened was that we put income limit on who could make contributions to iras. so when you and i was going in you will see in my testimony of two pages worth of charts that talk about who can and cannot make contributions. before you didn't have that never went to go and then the banks -- the banks could say, on end. and we will set up your ira. that's the difference.

two key factors -- the deferral nature of the incentive and the nondiscrimination rules that make employer sponsored plans very efficient in delivering benefits across the income spectrum. first, unlike other tax incentives, incentives for retirement savings are deefrls. they're not permanent exclusions. employer paid health benefits are excluded from income or mortgage interest is deducted those amounts will never be taxed. with the traditional retirement savings account, no income taxes are paid on contributions when they're added to the account but those same contributions are included in the taxable income when the amounts are paid from the plan. in other words, every single dollar that's exempt from tax now will be subject to income tax in the future. since most of those retirement years are outside the government's five or ten-year budget window, looking at the so-called tax expenditure for defined contribution retirement plans on a short-term cash basis greatly over states the cost of this incentive. in fact, new estimates by former jct staff show that a better measure of the expend

so i think these nondiscrimination rules do that. it's a matter of getting access to more people, and that's why, again, we're strongly supportive of something like the auto i.r.a. program. that would just make these arrangements available, you know, to more workers and just grow what we have here. >> you mentioned that in another time and another period, that the banks would stay open. and i remember rushing down to the bank with -- when i was much younger, had all my hair, and with my wife, before the banks closed to get a $2,000 i.r.a. what happened to that spirit? what happened? should we bring it back? >> well that, was one of the things that we proposed doing in the -- in the -- the bush administration simplification proposals. what happened was, in -- was that we put income limits on who could make contributions to i.r.a.s. so when you and i were seeing the lines going in and the banks staying open, that -- it meant that everyone could make a $2,000 i.r.a. contribution. now everyone cannot make a $2,000 -- or 5,000 -- you can'

integration rather than simply nondiscrimination. >> i was wondering whether you recalled a discussion you had with heimann bookbinder in the summer of 1972 when jewish groups were thinking about quotas and the issue obviously for jewish-americans quotas. on the other hand, these groups wanted it to support civil rights legislation. could you -- there was a question of what the nixon campaign's position would be on this. please tell us what you can recall. it's very interesting. >> i can, actually. i recall discussing matters with heimann bookbinder at the time. now, i recall by '71 and '72 i began to have -- i particularly began to have more and more doubts as to what i had done in '69 and '70 was right. i was trying to figure out ways to extricate ourselves from the almost drive towards quotas. i realize once you use quotas i realize once you start using numbers there was no basis important numbers other than proportional representation. i don't know how you disguised it. which leads, of course, to preferential hiring based on race. and quotas. it is not just quotas. preferential hir

explanation for why, when the administration and the president have on the record supported the nondiscrimination act, why they would not take this step for. >> there's mounting pressure on the president to at gay marriage to the national agenda. >> in the district, election officials counting nearly 5000 absentee ballots and provisional ballots for. councilmember vincent orange led his challenger by 543 votes after last week's democratic primary. updated totals are expected later this evening. >> the prince william county board of supervisors to air is preparing for a month from richmond. >> corey stewart spoke with us this morning about why he is prepared to become virginia's lt. governor. >> everyone who knows my political career, i am not afraid to use every mechanism at my availability to twist arms, whatever it takes to get my agenda through. >> he's been traveling across va rallying republicans. he is expected to battle pete snyder for the gop nomination. eider has not yet announced his candidacy. >> could be good news for everyone in the district as the district repairs for its annual pot

so nondiscrimination didn't seem adequate to me. i thought the government should push harder for assimilation. george aagrgreed with that, but was also concerned about wages in the construction industry, and was concerned about governmental policies just as davis-bacon that prevented african-americans from getting adequate employment in the construction industry. so both of those factors influenced him, and i persuaded him that our position would be sustained legally and politically. well, after the comptroller-general issued a new opinion declaring that our philadelphia plan was illegal, the fat was in the fire. i went to see bill hrehnquist, who was the assistant attorney general for the office of legal counsel, because i had told george that the best thing for us to do was the get an opinion from the attorney general. i had concluded that the comptroller-general had enormous power or was perceived to have enormous power because government employees engaged in government contracting were desperately afraid of taking on what he sai

question for some of the panelist, there's a lot of mention of some of the current law, the nondiscrimination rules that apply to 401(k) plans to make sure lower income benefits can benefit from these plans and can you talk a little bit about how these rules work from the perspective of how a tax incentive can help a small business owner for the contributions that would be required for those type of rules? anyone? >> i can speak to that. i think, you know, most commonly, if you're dealing with a small business whose probably their accountant said go see so-and-so about putting in this retirement plan and they've gotten to the point where they are making some money and they are coming to the end the year and they go oh, wow i have this $30,000 sitting there and oil take it out as a bonus and pay all sorts of income taxes on that money. so you can show them how if they put in a qualified retirement plan and make a contribution for themselves, and save on that from income tax purposes they can use some or all in some cases to make the required contributions for other people. that way then you sa

the other thing that we did was in our ersa proposal, we tried to simplify some of the nondiscrimination rules. and one of the things that we did was we pulled out -- we eliminated all of the various testing methodologies that are -- that are currently available. thinking that that was, you know -- that was simplification. as i think judy has said before, one person's simplification is another person's opportunity to -- to make various changes. and so we listened to them, and what we did is we just reduced the general complexity of the test. we didn't reduce some of the opportunities that small businesses would have in order to create more flexible -- more flexible types of plans. >> okay, thank you. i yield back. >> thank you. mr. neil is recognized. >> thank you, mr. chairman. mr. chairman, i've had a lang standing issue and i think pretty strong credentials in this area. just to recount quickly, i worked with bill thomas before he was the chairman of this committee on raising i.r.a. rates. if you recall, that was not a favorite of mr. rosstencould you ski at the time. and carried with

we are testing for nondiscrimination. someone might make a million dollars but when you are comparing this, use the 250,000. we are have something that is built in. if a business owner wants to put in the maximum of $50,000, those workers are going to be getting a contribution. they're going to be getting employer money. there really is additional money. . . . . 9/11 at the fbi had cut and reliable information that an individual on one of the grounded airplanes had a backup plan and that he was going to fly a private plane filled with explosives into a skyscraper. >> but there is a clear distinction. a predictor and a descriptor. >> no, no, no. >> you say -- why would we not go after that class of people to fly and so on and so forth. that is a descriptor. but when you conclude that because they were all muslim you should -- we should take a look at all muslims in america. >> i did not say that. the line your drawing is a great one. is it not predicted when the fbi in my hypothetical says the individual who is going to fl

i still believe that vigorous enforcement of nondiscrimination and equal pay for equal work laws are what is most necessary. i also thank women have to become a little bit more forceful. when i worked in washington, d.c. in my first job, i worked in an office with a lot of males and some females and i discovered i was making $10,000 a year less than a man doing the lowest paid man doing the same job as i was. i marched in to the head of the company and i said, what is with this? he said we can't afford to pay you more. i said thank you very much and i'll see you and i walked out and got another job. but a lot of women can't do that. i was in a position i had a husband who was working and i was able to find work quickly. but women do have to become proactive. they have to make sure they know that they are being paid equally and they have to acted on it if they are not. >> and linda, you did find out somehow. there are many firms in our country which forbid employees to even share on their own time this information. of course that's what this legislation seeks to address. notice how sh

administration decided against that order this time saying we do not expect that executive order on elegy nondiscrimination for federal contractors will be issued at this time we support legislation that has been introduced and we will continue to work with congressional sponsors to build support for it so what they're saying is that they're not opposed to supporting gay rights but they want to do with the old fashioned way getting approval from congress before moving forward and i mean normally that would make sense i might even applaud it at least give us some respect but then when it comes to the obama administration i'm just a little bit confused like i said before this president is all about flexing his executive muscles when it comes to financial political specially foreign policy issues take libya for example here when obama went on t.v. to explain the threat of massacres in gazi and now he wants to do something to prevent that from happening it was not in our national interest to look let that happen i refused to let that happen and so nine days ago after consulting the bipartisan leadership of con

organizers not just to alaska, where in just a few short days we're facing a ballot measure on nondiscrimination, but we also sent our staff to mississippi to work on the personhood measure. we sent our staff to maine, to secure the vote for people in maine. and we sent our staff to build a base of anti death penalty voters for a future fight in california. all of those issues affect lesbian, gay, bisexual and transgender people. they are our issues. so i invite each of you, as we look towards 2012, pick something that doesn't necessarily have to do with your life, with your family's life, and show up. write a check. participate in a phone bank. volunteer for a campaign. reach out and bring someone with you. and next time, ask them to come and work on something that does affect your life directly. i believe we will make a difference. second, i want to talk about love. i may -- i am definitely a half- glass full girl. and i do believe that love will win out. and at the heart of the lgbt movement is love. started thousands of years ago. but more recently at the stone wall inn in new york city wher

instead, the minimum coverage provision was a tool to make the nondiscrimination provisions, community rating, guaranteed-issue, work. so if you assume that, that all the minimum coverage is is a tool to make those provisions work, then i guess i would refocus justice scalia's question and say, if we know that something is just a tool to make other provisions work, shouldn't that be the case in which those other provisions are severed along with the tool? >> no, i don't think so, because there are -- there are many other tools to make the same things work. that's i think the point. and if one -- the case that comes to mind is new york vs. the united states, where the court struck down the take- title provision but left other -- two other incentives essentially in place. even without the minimum coverage provision, there will be a lot of other incentives still to bring younger people into the market and to keep them in the market. and if -- if my reading of the finding is correct, and that's all that congress is saying, that this would be useful, it doesn't mean that it's impossible. >>

labor's ofccp, the contract compliance office to investigate things and pass the employment nondiscrimination're getting them. i know transpeople and our organization, we're going to keep working them. no don't mean nothing and president obama will be part of the solution. he has been if you line up everything he's done for transpeople and lgbt people, there isn't a president in second place. >> i like that. >> you know, not enough, not fast enough, sure, we're all frustrated by that, but we're getting a lot done. >> the one step forward, two step back thing, every fight we've ever fought since the beginning of time, you know, and dealing with clinton and then obama, clinton, abysmal on gay rights, i don't think it's a question of -- i have to disagree a little bit. i think the lgbt community has a right to be supermad. i think anger is a good thing it fuels a movement to counter the wrongs that have been thrust upon them, so i'm actually encouraged any time i see people, you know, really fired up and angry at the president. good, maybe this will motivate the base. >> i have to push back on s

we are testing for nondiscrimination. someone might make a million dollars but when you are comparing this, use the 250,000. we are have something that is built in. if a business owner wants to put in the maximum of $50,000, those workers are going to be getting a contribution. they're going to be getting employer money. there really is additional money. there have been some people who say you not be getting that anyway. if there is a 401k plan, it is new money. it is a matter of getting access to more people. something like the ira program that will make these arrangements available to more workers. >> he mentioned and that another time that -- you mentioned that in another time the banks would stay open. i had all my hair. this is before the banks closed. what happened to that. ? what happened? >> that was one of the things that we proposed doing in the bush administration simplification proposal. we put income limits on who could make contributions to the iras. when we were seeing the lines going in and the bank stayin

they just released a poll that shows that 73% of likely 2012 voter approve having a nondiscrimination policy for federal contractors. >> gentlemen, we're going to let you get back to the el roll with your 8-year-old. story to pull you away. thanks for making time for us today. we appreciate it. >> thank you. >> thank you for having us. >>> the two men accused of a shooting rampage in tulsa, oklahoma, just made their first court appearance. bond was set for each. $10 million apiece, roughly. were the shootings just about revenge or racially motivated? >>> plus, remembering the legacy of a long time newsman, the legendary mike wallace. whoa. right? get. out. exactly! really?! [ mom ] what? shut the front door. right? woop-woop! franklin delano! [ male announcer ] hey! there's oreo creme under that fudge! oreo fudge cremes. indescribably good. do about medicare and social security... security. that's what matters to me... me? i've been paying in all these years... years washington's been talking at us, but they never really listen... listen...it's not just some line item on a budget; it'

why one couple wants to get the ear of the president about the employment nondiscrimination act. >>> of the day is a little easter fun to go along with the white house easter egg roll. the president's twitter handle posted this photo of the family dog. bo is like, did they have to do that to me? look at me, i'm wearing pbunny ears. i hate when that happens. >>> the president just about to start the first easter egg roll at the white house. lots of stargazing happening today. athletes as well as celebrities. you can name them all. sesame street is going to be there. the big stars today is all those kids trying to get that egg down the white house lawn. fun stuff every year. that wraps up this hour of "jansing and company." thomas roberts is up next. mine was earned off vietnam in 1968. over the south pacific in 1943. i got mine in iraq, 2003. usaa auto insurance is often handed down from generation to generation. because it offers a superior level of protection, and because usaa's commitment to serve the military, veterans and their families is without equal. begin your legacy, get an

white house press secretary jay karnney pointed to the president's support of the nondiscrimination act>> it's a similar approach as the approach we took to don't ask don't tell. we're not approaching this at this time through executive authority, through an executive order. we are, however, in another demonstration of the president's firm commitment of securing equal rights for the lgbt community, aggressively pursuing passive of enda. >> join me to discuss the president's decision are national political reporter for "the washington post" nia-malika henderson. president of venn strategies penny lee and former advisor to the mccain campaign ford o'connell, thank you all for being here, let me throw this to nia-malika first. am i the only one who is absolutely shocked that in this day and age there is not a federal law barring discrimination based on sexual orientation? >> i think most people actually don't know that this is actually the case. i think if you were to ask people, they would join in your shock that this actually isn't the law of the land that there aren't states that do inc

. >> the battle over nondiscrimination in vanderbilt's college is far from over.t a video to attract support and get the board's attention and let's take a look at it. >> the administration there the at vanderbilt seems to want to create tolerance and nondiscrimination, this all comers policy which is doing just the opposite of that. >> i'm concerned now that because of vanderbilt's actions, they indeed now are, in my opinion, discriminating against the christian organizatio organizations. >> peter: to talk about this discrimination, vanderbilt university, and abby sutton. tell us about what's going on in the most recent campus and do you think you're going to be able to win this issue. >> good morning, thank you for having us. right now, as it stands, the board of trustees met last week and the administration has been misleading the students and the legislature in this matter. and as of right now we don't see them reversing the policy, but there is a bill and amendment in the legislature that could effectively do that. >> and what ambassador originally was there

think, two nights ago and we all submitted a similar document saying that we do abide by the nondiscrimination clause saying that we would -- we are asking the administration to reconsider and say it's ok for us to require our leaders to affirm their faith. >> sure. you know, also, under the same ruling, i would imagine a republican could wind up being the head of the young democrats and vice versa. >> exactly. right. >> have any atheists to your knowledge tried to join the fellowship for christian athletes? >> not to my knowledge. i mean, i do know that we do have plenty of nonbelievers who do come to our meetings. again, f.c.a. is open to anybody and we would -- and we believe that's the reason for christianity, that anybody can come and learn and learn about the love of christ. and we believe that that's why it's so important that our leaders are grounded in that faith. >> sure. so going forward, if you're not going to be one of the recognized groups on campus, will you meet off campus? >> we meet pretty much off campus already. i think some of the ramifications would be -- i know for other

spokesperson saying, quote, those student groups who chose not to comply with the university's nondiscrimination with the registered student association status and that includes the use of the vanderbilt name. >> gretchen: government plan to help homeowners fight foreclosure was severely flawed. that according to a new report revealed this morning from the inspector general' office. the treasury department rushed out the revamped foreclosure plan in 2010, limiting its ability to help people who are out of work or those who owed more on their homes than they are actually worth. the hardest hit fund was part of the controversial $700 billion financial bailout known as tarp. >> steve: from tarp to twisters, a tornado touching down in northern california. take a look at that funnel cloud. the national weather service confirming it hit just outside of oakland, california. it destroyed everything in its path, including barns, ripping off roofs, knocking down power lines in the area. nobody was hurt thankfully. >> brian: call him spared rib. a cow tried to escape from a new jersey slaughter house getti

they're making young healthy people subsidize insurance premiums for the cost that the nondiscriminationprovisions have put on insurance premiums and insurance companies. >> so the - >> -- and that -- that is the fundamental problem here. >> so the -- i -- i want to understand the choices you're saying congress has. congress can tax everybody and set up a public health care system. >> yes. >> that would be okay. >> yes. tax power is - >> okay. >> i would accept that. >> congress can -- you're taking the same position as your colleague, congress can't say we're going to set up a public health system, but you can get a tax credit if you have private health insurance because you won't access the public system. are you taking the same position as your colleague? >> there may have been some confusion in prior colloquy. i fully agree with my brother clement that a direct tax would be unconstitutional. i don't think he means to suggest, nor do i, that a tax credit that incentivizes you to buy insurance creates problems. congress incentivizes all kinds of activities. if they gave us a tax credit

he is on record supporting the employment nondiscrimination act that would make it the law but there as part of the we can't wait campaign has been far more muscular to push through other policies. we're reminded in 2012 it is not against the law to fire someone simply because of who they love or how they identify. this might be -- this one might be our least shocking now we knows ever, but we now know thanks to a study from the usda that the supplemental nutrition assistance program more commonly known as food stamps lowered the poverty rate during the great recession. in the deepest recession in 2009, it cut the poverty rate by 8% with larger effects for child poverty. we know the ryan budget would cut the program by $127 billion over the next 9 years. and finally, thanks to viewer heather christianson, we now know just how extreme reproductive politics have gotten in arizona where law makers have passed a bill that not only makes aborting a pregnancy after 18 weeks illegal but statutory decrees when it begins calculated from the last menstrual day of the pregnant woman or as much

we are testing for nondiscrimination.someone might make a million dollars but when you are comparing this, use the 250,000. we are have something that is built in. if a business owner wants to put in the maximum of $50,000, those workers are going to be getting a contribution. they're going to be getting employer money. there really is additional money. there have been some people who say you not be getting that anyway. if there is a 401k plan, it is new money. it is a matter of getting access to more people. there's something like the ira program that will make these arrangements available to more workers. >> you mentioned that in another time the banks would stay open. i had all my hair. this is before the banks closed. what happened to that. ?- that what happened? should we bring it back? >> that was one of the things that we proposed doing in the bush administration simplification proposal. we put income limits on who could make contributions to the iras. when we were seeing the lines going in and the bank staying ope

alaska where in just a few short days we're facing a ball or the measure on -- ballot measure on nondiscrimination but we also sent our taffe to mississippi -- staff to mississippi, to maine to secure the vote for people in maine, and we sent our staff to build a base of anti-death penalty voters for a future fighting california. all of those issues effect lesbian, gay, bisexual and transgender people. they are our issues. so i invite each of you as we look towards 2012, pick something. pick something that opportunity opportunity -- that doesn't necessarily have to do with your life and show up, write a check, participate in a phone bank, volunteer for a campaign, reach out and bring someone with you. and next time ask them to come and work on something that does effect your life directly. i believe we will make a difference. second, i want to talk about love. i may, i am definitely a half glass full girl, and i do believe that love will win out. and at the heart of the lgbt movement is love. started thousands of years ago but more recently at the stonewall inn in new york city where a bunch of dr

organizers not just to alaska we're in a few short days we are facing a ballot measure on the nondiscrimination, but we also said our stuff to mississippi to work on the personhood measure and staff to secure both for the people of maine and ascent are still the days of antideath penalty voters for the future fighting california. all of those issues affect lesbian, gay, bisexual and transgendered people. they are our issues. as i look towards 2012, take something that doesn't necessarily have to do with your life, with your family's life and show up. a volunteer for a campaign, reach out and bring someone with you. and next time, ask them to come and work on something that does affect your life correctly. i believe we will make a difference. second, i want to talk about love. i'm definitely a glass half full girl and i do believe that love will when and at the heart of the lgbt movement is loved. it started thousands of years ago but more recently it's the stone wall of new york city a bunch of drag queens and gay men and people of color said enough's. we will love who we want to love and fight

this legislation also includes nondiscrimination protection for all victims regardless of what they look like or where they're from. it reduces bureaucracy and implements new accountability measures to ensure federal investments are properly spent and it places greater emphasis on training police to respond to reports of sexual assault which has among the lowest conviction of rate of any violent crime. and for police officers, it's one of the most dangerous things they do. last year we had a police officer in las vegas, sergeant, been in law enforcement for many years. he went with another officer to respond to a domestic violence phone call. he was shot and killed as he walks in the door. so we do need to understand that we need to continue to help train police and also make them better trained to convict these people who are doing these bad things. mr. president, many years ago when i was a freshman in the senate, i held hearings under the auspice of the appropriations committee on spousal abuse. maybe things have changed over the years, and i hope they have. there are better counselin

organizers not just to alaska where in just a few short days we're facing a ballot measure our nondiscrimination, but we also sent our staff to mississippi to work on the person of measure. we sent our staff to maine to secure the vote for people in maine, and we sent our staff to build a base of anti-death penalty voters for a future fight in california. all of those issues affect lesbian, gay, bisexual and transgender people. they are our issues. so i invite each of you as we look towards 2012, pick something, pick something that doesn't necessarily have to do with your life, with your family's life, and show up. write a check, participate in a phone bank, volunteer for a campaign, reach out and bring someone with you. and next time, ask them to come and work on something that does affect your life director. i believe we will make a difference. second, i wanted to talk about love. i may, i am deathly a half glass full girl. and i.t. believe that love will win out. and at the heart of the lgbt movement is love. started thousands of years ago but more recently at the stonewall inn new york city,

. -- bulllying student nondiscrimination act prevent has haven't.s the administration prepared to endorse that legislation at this time? >> we have to do everything we can to make sure there is zero tolerance for this. i met with one of the young women in the movie this morning with her father. this is very personal for me and president and we all have children in school now. whenever children are going to school scared, when they concentrate on biology and algebra. as a country we hope we see unprecedented level of support from our administration. first ever anti-bullying summit in the white house. president talked about his own experiences there. seen many states toughen laws to protect students from bullying. until our children are safe and secure at recess, in the morning, after school and not just physical bullying, cyberbullying as you know. some of my toughest meetings from parents who lost children or committed suicide due to the impact. we all have to continue to work together. this movie is very tough and very hard-hitting and tells the tr