Carolyn B. Maloney
Carolyn B. Maloney
Mandate Liability Insurance for Gun Ownership
As a mom I refuse to wait any longer for congress to take action. The school shootings must stop. There are now so many guns in circulation in this country that banning or restricting guns sales is almost futile, so let’s try a different path entirely. One that stops demonizing gun owners and allows everyone to get what they want. Make it illegal to own or possess a firearm without LIABILITY INSURANCE. We should let the actuarial tables determine how much of a risk an individual’s gun or arsenal poses to the community at large to determine fair premiums. Discounts for steps taken to secure weapons and keep them out of the hands of people (big and small) who could cause harm. Let the insurance company decide on appropriate qualifications (trust me, the necessary data exist) and monitor the mental health of their customers as well as their online personas, safety of their homes, and to impose guidelines for storage. Then allow them to deny coverage for people who do not adhere to adequate standards resulting in injury or death. Bottom line, if you own a gun you should keep it safe and be financially responsible for it in the event it kills someone. This is not unreasonable. We insure cars because they can be dangerous and we can figure out exactly how much a person should pay for life insurance based on factors in their life and health choices. So let’s run the numbers and create a boatload of American jobs in the new gun insurance industry and put an end to mass shootings every week. If you can afford a gun and you can keep it safely, you can afford insurance. If you can’t do those things, isn’t it fair to say you shouldn’t have a gun? But what about illegal weapons? Make it a separate crime with severe financial consequences to be in possession of any gun without insurance and start cracking down while offering amnesty. Use this money to provide grants to lower income individuals who would qualify but can not afford the insurance or adequate safeguards as well as educating young people about gun safety in a meaningful way. Of course there will always be illegal gun violence and people will fall through the cracks but if we have an insurance industry to hold accountable, I believe we will see a decrease in preventable gun violence. I am furious that no American student is safe in school anymore and that our so called leaders sit on their hands. I demand action. No more lock down drills. No more students stuck in school after a shooting for hours only to be paraded out arms up and searched. Enough. Enough. Enough. Tell your representatives you want gun insurance now. #insuregunsnow #momsdemandguninsurance
Adverse effect of GOP tax bill on Graduate students in the US
Graduate students in the US are already living at the survival line. They are working hard to push forward the frontiers of science in all directions and trying to make a better tomorrow than today. Their disposable income is barely reaches 20k per year ( stipend for being TA or RA) and this money goes all to their consumption needs with almost nothing left to save. The new GOP tax bill is going to make the tuition waiver taxable which is estimated to cost each graduate student about $2000 a year and this will push most of the graduate students even lower the survival level. As a result, they should cut down their daily expenses to get along with the new budget and this means they will buy and consume less necessary stuff. On the other side, local businesses will suffer as well because students will spend less money in local restaurants, bars, games and etc. In all, this bill is going to put more financial pressure on graduate students and also hurt local businesses across the US. Please sign and share this petition to support all graduate students in the US and also opposing this unfair tax bill.
"CAP" Private & FED Student Loan Interest
Dear Senator, In 2018 student loan debt had eclipsed 1.5 trillion dollars. With roughly about 44 million borrowers, that sets the average student loan debt at about 38K per student. Society’s taught us all at a young age, that education was the key to success. We were told “get a good education and this will assure you get a well paying job after graduating from college.” This message is embedded in our minds early in life. Unfortunately, for many this could not be further from the truth. I know this letter may come across your desk and potentially be overlooked, because I am not a constituent in your state. But within your state are many just like me (thousands maybe even millions). Many do not know what to do, so I would like to be their voice and beacon of hope. I am a private student loan borrower (Sallie Mae/Navient). I (like many) could not afford to pay for college out of my own pocket. Thankfully, I was able to fund my 4 years of college with both Federal & Private loans (mostly private). While I am grateful for the college experience and degree I earned, it’s been overshadowed by the enormous never-ending growing balance post graduation. I originally borrowed 55,532.88 for my college education from Sallie Mae/Navient. I graduated in 2005. Year-to-date I’ve made payments totaling 59,509.13. My remaining balance is still 64,143.21. Seeing these figures side-by-side on my excel spreadsheets literally sickens my stomach. However, I am proactively working on a plan to pay it back. The statistic shared earlier shows that student loan debt is a problem in this country we call the “land of opportunity.” For myself and many others, we feel the mounting pressures of the growing balance even after repayment has started. Defaults rates are well above normal and will continue to sore. This is why I’m putting this petition together to call for reform to specifically “private student loans.” Upon graduation, the original principal in some cases have doubled, tripled even quadrupled because of the “daily compounding interest.” I am calling for Government Representatives to step-in and set a “CAP limit” on the amount of interest Private loan providers can add onto original loan balances. Balances are growing on a daily basis. The payments most students are making is primarily going toward the interest that is still growing daily. How are borrowers suppose to ever make a dint in the principal balance? It’s virtually impossible. The interest rates are variable and set by the lender. Why do lenders need to collect 2, 3, or 4 times the amount borrowed? Income based repayments (which is primarily for Fed Loans) isn’t a solution; it’s a Band-Aid. This only lowers the monthly payment while the interest is still increasing, eventually increasing your overall balance. We need real reform. Reform that will truly help all student borrowers pay off their private student loans with a “reasonable” amount of interest. It feels as if private lenders purposely want to keep students in debt well into their elderly years. Which morally, simply is not the right thing to do. Education shouldn’t be a penalty. Private lenders are profiting 2, 3, and even 4 fold at an alarming rate from “interest only.” How many executives are receiving bonuses? Why do private lenders need so much interest it they are claiming to help struggling students pay for college? I can not predict the future. I do not know what happens if this student loan bubble bursts like the housing market did some years back. But students are being left with the short end of the stick and mounting balances unless Government appointed officials create and pass real laws that will bring change to this predatory system “Private Loan Providers” have taken advantage of for so many years. #CAPstudentloaninterest
Require School Buses To Have Proper Safety Equipment
Lets keep our children safe and let’s start from enforcing stricter laws on people obliviously passing the school bus red lights, stop signs. More then 50,000 people in New York State pass school buses that are loading or unloading students each day. We want all our kids to come home safely and alive from school as many of us “parents” have work and need to find private transportation for them to school and from school and the only way we can make a change is by showing the government on how important our kids life’s are and how much we love them. As a school bus driver I see many drivers not only passing my school bus signs but speeding though them we need this to stop especially for a City like New York itself. IF YOU LOVE AND CARE FOR YOUR CHILD YOU WOULD NOT HESITATE TO SIGN THIS PETITION AND FIGHT FOR OUR CHILDRENS SAFETY, HEALTH AND WELL-BEING. For The decision makers, • Traffic cameras on all SCHOOL BUSES like citi buses have. • GPS on all school buses• more law enforcement agencies looking out for our children.• Drivers having direct communication with 911 in case of a tragedy like this happens they don’t have to pick up a phone dial 911 explain the situation give their location because by that time that child will be deceased. All buses work with students. MAKE IT SAFE.
Reduced Unlimited Metrocards for College Students
New York State Students heading to community colleges, state universities, and Ivy leagues face challenging financial burdens when it comes to transportation. Living in New York City is not as affordable as many might believe and not being apart of the wealthy 1% is a daily struggle. With the Metropolitan Transportation Authority (MTA) fares reaching an all time high and increasing each year, students heading off to their higher education institutions cannot afford the rising prices. The MTA has many options when purchasing metro cards but the most beneficial metrocard option would be the 30-day unlimited. Unfortunately, the prices have raised year after year. In 2010, the unlimited metrocard was $104, in 2014 $112, and it is currently at $116.50. College institution start in the fall term throughout the spring term but many decide to continue their education during the summer term. Estimated on average, the New York State tuition ranges from $35,000-$75,000 a year not including books and other fees. A reduced 30-day unlimited metro card for college students should be implemented in the MTA system to help release the financial burden of college students trying to work towards their higher education.
Justice for Haley Anderson
Justice for Haley Anderson Orlando Tercero, 22, has been charged with second-degree murder in the strangulation death of Haley Anderson, also 22, who called Westbury (Long Island) her home but was studying nursing at Binghamton University. Tercero, according to Binghamton police,“fled” to his native Nicaragua before Anderson’s body was found in his apartment March 9. The Broome County District Attorney’s Office is seeking to have Tercero brought back to Binghamton to stand trial. The Nicaragua government is not commenting and it could take years for this savage to be brought back to New York to face this heinous crime. Signatures are needed to expedite the process, apply political pressure and get justice for Haley Anderson.
Protect Shareholders. Strike the Financial Choice Act 2.0.
Shareholder democracy is being profoundly threatened by Section 844 of the Financial CHOICE Act 2.0. This new legislation, which was heard by the Congressional Financial Services Committee on April 26 and then passed by the House on June 8, contains a provision that would fundamentally impair investors' rights to file shareholder resolutions. It is now scheduled to be voted on in the Senate. The new rule would permit only a tiny fraction of the globe’s wealthiest investors (those who own more than 1% or more of a company’s stock) to file shareholder proposals. For example, raising the ownership requirement to 1% would leave only 11 investors with enough shares ($3 billion) necessary to file shareholder proposals at Wells Fargo. All other shareholders would be blocked from using their shareholder rights to address equity, justice, sustainability, climate, risk, and good governance issues. Sign our petition and make your voice heard. We will be sending signatures, as well as the letter linked below, to the Senate. Let’s work together to defeat this destabilizing legislation that will profoundly affect consumers, investors, and the economy at large.
The Park Savoy Hotel Homeless Shelter - Bad for the Homeless, Bad for West 58th Street
We are compassionate New Yorkers with deep concerns regarding the plans to convert the Park Savoy Hotel at 158 West 58th Street into an all-men's transitional homeless shelter. The Threat: An enormous impact on our densely populated, narrow, high pedestrian-traffic street: We are a primarily residential neighborhood of both renters and homeowners. We are also a central destination for New York City tourism. The plan brings 140 single, homeless men including recently released parolees to the West 50’s area. According to the Coalition for the Homeless, homeless men have much higher rates of serious mental illness, addiction disorders, and other severe health problems. In addition, the city admits that some of these men will have criminal records. Public Safety: It has been well documented in published reports that areas that border on homeless shelters for men have many problems with loitering, drug use, and other criminal activities. WAIT! Don’t we want to help the homeless?? Yes! Of course, we do – BUT! - The fact that this plan was never shared with anyone in our neighborhood, and our input not solicited, before work started is a story we're hearing in many other New York City neighborhoods. While we understand the need to shelter the city's homeless, we believe that the Mayor’s Turning the Tide plan is deeply flawed. We believe that the mayor’s shelter plan is an expensive band-aid, that doesn’t come close to addressing the shortage of affordable housing. The billions that this administration is planning to spend in the next 5 years should be focused on real housing for the homeless, not shelters, like the proposed Park Savoy, that are housing 2-3 to a room. Putting large groups of men together in shelter situations creates opportunities for conflict and crime, as opposed to an opportunity for men to have a place of their own with privacy and dignity. What kind of scale are we talking about? How Many: It is proposed that 140 homeless men will become new residents of the Park Savoy’s 70 rooms. The Cost: $63 Million over 9 years, $50,000 per person, per year Is that more expensive than usual? Answer: Yes. 38% more than usual (annual average per person is $36,300 according to the MMR) for a total spend of $18 Million over the city average for homeless shelters. For the $50,000 per person, per year contract at the Park Savoy, a homeless man could have his own apartment, living in the neighborhood where he came from, supported by family and his community. This shelter is being placed at the Park Savoy, at exorbitant cost, so that the mayor can make a political statement, while not doing what is best for the potential inhabitants. What kind of notice of this project was given to you by the City of New York or Department of Homeless Services? Answer: None. We found out because the information was leaked to a resident of the neighborhood. Our elected officials and local police precinct were also kept in the dark. Further, major construction work has been done on the Park Savoy without permits. There were 33 reports to 311 of this work being done, and finally, when Marcia Kramer of CBS news covered the story, the NYCDOB issued a stop work order. The order is still in place. Has the city done their due diligence, through environmental studies, to understand the impact to the neighborhood? Answer: Every major housing and commercial project in New York City undergoes a series of environmental and other impact studies (ULURP). This city project, and other shelters like it, where the city does not directly own or lease the space, are exceptions. As residents of this neighborhood, our West 58th Street Coalition is forced to conduct a study on our own. Residents of NYC should demand that this ULURP policy change, and that the city conducts environmental studies prior to any shelter location being approved. In Conclusion: New York City Mayor Bill de Blasio wants to shelter New York city's 65,000 homeless. But so far, he's done nothing more than create confusion, underserve the city's homeless population, explode the city budget and make hotel property owners rich. All this while leaving New York City residents and the city council with more questions than answers. While temporary hotel shelters continue to spring up around the city with little prior notice to the people who live in these neighborhoods, the Mayor and the Department of Homeless services is burning through money with little to show for it. The Mayor’s plan to open 90 homeless shelters in the next 5 years does not address the root cause of the problem, shortage of affordable housing. The Mayor’s plan does not do nearly enough to address this issue and instead plans to drop shelters in neighborhoods all over the city, with zero partnership on the part of the communities impacted and worse prospects for the homeless ever breaking out of the cycle of homelessness. As citizens of New York City, we demand to know: 1. What exactly is the plan? What is the next step for New York's homeless after they have been placed in one of these transitional shelters? 2. What is the cost? Is the cost reasonable? is it practical? What is the cost-to-result ratio? Why is funding not focused on permanent, affordable housing? 3. Where is the oversight? What is the role of city council members expected to represent their neighborhoods? What about the safety of the residents of the neighborhood? 4. Why isn't the Mayor being more open about how this plan is run? Where is the discussion with the neighborhoods expected to host these shelters? Where are the hearings? Why aren't more homeless advocates being consulted? By signing this petition, you are helping us raise the above concerns with the Mayor and the New York City Council. You are also helping to further scrutinize, study and perfect New York City’s homeless policy. As compassionate New Yorkers, we strive to help create an innovative, effective approach to caring for our most vulnerable citizens. But first, we need to stop this potentially catastrophic error in judgment. Every city is better for its citizen involvement. Thank you for getting involved as we work to protect this great neighborhood and improve the lives of our city’s homeless. VISIT OUR WEBSITE LIKE US ON FACEBOOK FOLLOW US ON TWITTER
"DONT DEPORT OUR FATHER SANEL ZILKIC WE ARE 3 LITTLE GIRLS AND WE NEED HIM IN OUR LIFE"
My name is Sanela Zilkic I am 7 years old, I am writing this letter in hopes that somebody can help me and my 2 little sisters and our Mommy who doesn't stop crying since they took our Daddy a week ago. Our Daddy Sanel Zilkic was taken by ICE Immigration & Customs Agents, he is the greatest father in the world who worked very hard to provide for us and make sure we have the best life in the greatest country on earth. We are all devastated not knowing where our daddy is and will they Deport him back to Montenegro, we are constantly crying and looking through windows if Daddy would come home soon, will we get to Hug him and tell him again that he means everything to us. I am begging whoever can help us and allow our daddy to come home he is not a Criminal he is a Law Abiding citizen who works hard for his 3 little girls that need him now more than ever I would like to ask all of you if you could PLEASE sign this Petition and help us get our father home where he belongs. Our father is currently in Bergen County Jail 2015 Located: 160 South River st Hackensak NJ 07601 inmate # 071761229 Tel # 201.336.3500