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<h1 class="m-fs4 fw7 mt2 mb2 headline">A Secure Retirement for All</h1>
<p class="fs1 mb2 gray-lighter bc-gray metabox">October 6, 2016 •
By <a href="https://blog.ssa.gov/author/33db2d7c31bc201b689f512a9df14b11bbb77e14/" title="Posts by Thomas Perez, Secretary of Labor, U.S. Department of Labor" class="author url fn" rel="author">Thomas Perez, Secretary of Labor, U.S. Department of Labor</a> </p>
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<p class="fs1 bb bc-gray pb3"><strong><em>Last Updated:&nbsp;October 6, 2016</em></strong></p>
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<p><a href="https://blog.ssa.gov/wp-content/uploads/2016/10/perez-guest-blog-pic.jpg"><img fetchpriority="high" decoding="async" class="size-medium wp-image-1916 alignleft" src="https://blog.ssa.gov/wp-content/uploads/2016/10/perez-guest-blog-pic-300x210.jpg" alt="perez-guest-blog-pic" width="300" height="210" srcset="https://blog.ssa.gov/wp-content/uploads/2016/10/perez-guest-blog-pic-300x210.jpg 300w, https://blog.ssa.gov/wp-content/uploads/2016/10/perez-guest-blog-pic.jpg 500w" sizes="(max-width: 300px) 100vw, 300px" /></a>Having a secure retirement is an important pillar of strength for the middle class in America. Yet, it is unavailable to too many workers in our country. During Hispanic Heritage Month, were acutely aware of the particular challenges faced by middle class Latinos in the workforce. Not only do Latinos face wage disparities, theyre also less likely to have access to retirement savings plans. Research shows that only about a third of Latino workers have access to a retirement plan through their employer, compared to more than half of African-American and white workers.<span id="more-1915"></span></p>
<p>For this reason, the Obama Administration has worked to expand access to retirement savings <a href="https://blog.ssa.gov/prepare-for-your-future-with-my-social-security-and-myra/" target="_blank" rel="noopener noreferrer">opportunities</a> for everyone. We <a href="https://www.dol.gov/newsroom/releases/ebsa/ebsa20160825" target="_blank" rel="noopener noreferrer">recently finalized rules</a> that will help more states create retirement programs for workers who dont have access to a 401(k). Such programs are just one more way to make it easier for more workers to save for retirement.</p>
<p>Its just as important to protect those hard-earned savings, and the Department of Labor has been active on that front as well. Earlier this year, we established new rules to ensure that the guidance you receive from a financial adviser about your retirement account is always in your best interest.</p>
<p>As important as individual savings may be, almost no one can save enough for a decades-long retirement alone. This entire administration has pushed to strengthen Social Security so that it fulfills the promise made to todays retirees and workers looking forward to a financially secure retirement. Social Security is incredibly important to Americas workers and retirees, particularly Latinos, who may not have other retirement savings.</p>
<p>If you havent started saving, now is the time. Whether this is your first day on the job, or youre approaching retirement, putting something away now will mean breathing a little easier in the future. The Labor Department, our colleagues at the Social Security Administration, and our <a href="https://blog.ssa.gov/myra-u-s-treasurys-new-retirement-savings-option/" target="_blank" rel="noopener noreferrer">sister federal agencies</a> will keep working hard to strengthen existing programs and create new savings opportunities so that all workers can enjoy the dignified retirement they deserve.</p>
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<p><img decoding="async" class="avatar avatar-68 photo" src="https://blog.ssa.gov/wp-content/uploads/2016/09/tom-perez-headshot.jpg?s=68&amp;d=mm&amp;r=g" srcset="https://blog.ssa.gov/wp-content/uploads/2016/09/tom-perez-headshot.jpg?s=136&amp;d=mm&amp;r=g 2x" alt="" width="68" height="68" /></p>
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<h2 style="text-align: left;">About Thomas Perez, Secretary of Labor, U.S. Department of Labor</h2>
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<hr class="mb2 after-content"><p class="fs1 gray-lighter"><strong>Tags:</strong> <a href="https://blog.ssa.gov/tag/retirement-2/" aria-label='retirement Tag' rel="tag">retirement</a>, <a href="https://blog.ssa.gov/tag/retirement-benefits/" aria-label='retirement benefits Tag' rel="tag">retirement benefits</a>, <a href="https://blog.ssa.gov/tag/social-security-benefits/" aria-label='Social Security benefits Tag' rel="tag">Social Security benefits</a></p> <a class="btn px3" href="#comments-anchor">See Comments</a>
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<h2 class="fs2 fw6 mb0 mt4">About the Author</h2>
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<img alt='Thomas Perez, Secretary of Labor, U.S. Department of Labor' src='https://secure.gravatar.com/avatar/a0c622316dc7933a1ee1e979d1d38170?s=60&#038;d=mm&#038;r=g' srcset='https://secure.gravatar.com/avatar/a0c622316dc7933a1ee1e979d1d38170?s=120&#038;d=mm&#038;r=g 2x' class='avatar avatar-60 photo mt0 br-100' height='60' width='60' decoding='async'/> <div class="ml3 mt3">
<h3 class="fs2 fw6 mb0"><a href="https://blog.ssa.gov/author/33db2d7c31bc201b689f512a9df14b11bbb77e14/" title="Posts by Thomas Perez, Secretary of Labor, U.S. Department of Labor" class="author url fn" rel="author">Thomas Perez, Secretary of Labor, U.S. Department of Labor</a></h3>
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<h3 class="fs2 fw6 mb0">Susan i.</h3>
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<time datetime="October 6, 2016 7:19PM">
October 6, 2016 7:19PM </time>
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<p>I want to know these articles from the SSA are always about non-white people not getting a fair share and how SSA is always looking out for non-white people? This article is about Latinos and immigrants (notice there is no distinction between legal and illegal immigrants because it doesn&#8217;t matter to SSA). They need extra help because they don&#8217;t work for companies that have 401K plans. Are you kidding me? Most people work for companies that don&#8217;t have retirement plans. If they are working for cash, under that table, they are happy to forego withholding taxes, including SS and Medicare. So are the employers. Latinos are willing to work for less money because they don&#8217;t pay taxes. As far as I can tell, most Latinos have jobs, as they are touted as being such industrious workers. Latinos and immigrants have plenty of organizations looking out for their well-being, as do African Americans. Must SSA, funded by ALL taxpayers, always focus their attention on the non-white population?</p>
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<h3 class="fs2 fw6 mb0">RM</h3>
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<time datetime="October 11, 2016 6:39PM">
October 11, 2016 6:39PM </time>
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<p>It&#8217;s always been that way and getting worse every day!! How about a raise in SS benefits for us white middle class workers that have retired after paying in to SS for 35 years?? Sorry Latinos, but if you are not legal we don&#8217;t owe you a darn penny!!</p>
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<h3 class="fs2 fw6 mb0">John</h3>
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<time datetime="October 6, 2016 7:04PM">
October 6, 2016 7:04PM </time>
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<p>While I like the idea of making retirement savings easier for ALL I balk at any agreeing that other improvements have been made.<br />
If we could convince Congress to take off the +-$118K cap on SS deductions it would go a very long way to solving our SS shortfall projected in the early 2030s.<br />
Thx</p>
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<h3 class="fs2 fw6 mb0">BB</h3>
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<time datetime="October 6, 2016 3:27PM">
October 6, 2016 3:27PM </time>
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<p>TO ILEANA, IF YOU WANT TO GET YOUR POINT ACROSS, TYPE IN ENGLISH!!</p>
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<h3 class="fs2 fw6 mb0">jeff</h3>
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<time datetime="October 7, 2016 1:40PM">
October 7, 2016 1:40PM </time>
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<p>Spot on!</p>
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<h3 class="fs2 fw6 mb0">Susa</h3>
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<time datetime="October 6, 2016 3:09PM">
October 6, 2016 3:09PM </time>
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<p>Why are people who never contributed to the system allowed to receive benefits. Unless disabled, get a job! Also, the Hispanic middle class (an oxymoron) doesn&#8217;t have any more trouble saving and contributing than other middle class culture. Thanks to Obama and Hillary, we r all in dire straights.</p>
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<h3 class="fs2 fw6 mb0">Vivian</h3>
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<time datetime="October 6, 2016 2:51PM">
October 6, 2016 2:51PM </time>
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<p>Social security is for those of us who have paid into it for 50 years of our working life. Let ALL people living here in the U;S. know THEY are responsible for their own health care and savings plans. DO NOT plan on the govt. bailing you out!</p>
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<h3 class="fs2 fw6 mb0">Christine M.</h3>
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<time datetime="October 10, 2016 7:59AM">
October 10, 2016 7:59AM </time>
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<p>True</p>
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<h3 class="fs2 fw6 mb0">ILEANA M.</h3>
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<time datetime="October 6, 2016 2:50PM">
October 6, 2016 2:50PM </time>
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<p>Dyrektywa 2000/60/WE Parlamentu Europejskiego i Rady</p>
<p>z dnia 23 października 2000 r.</p>
<p>ustanawiająca ramy wspólnotowego działania w dziedzinie polityki wodnej</p>
<p>PARLAMENT EUROPEJSKI I RADA UNII EUROPEJSKIEJ,</p>
<p>uwzględniając Traktat ustanawiający Wspólnotę Europejską, w szczególności jego art. 175 ust. 1,</p>
<p>uwzględniając wniosek Komisji [1],</p>
<p>uwzględniając opinię Komitetu Ekonomiczno-Społecznego [2],</p>
<p>uwzględniając opinię Komitetu Regionów [3],</p>
<p>działając zgodnie z procedurą ustanowioną w art. 251 Traktatu [4] oraz w świetle wspólnego tekstu zatwierdzonego przez Komitet Pojednawczy w dniu 18 lipca 2000 r.,</p>
<p>a także mając na uwadze, co następuje:</p>
<p>(1) Woda nie jest produktem handlowym takim jak każdy inny, ale raczej dziedzictwem, które musi być chronione, bronione i traktowane jako takie.</p>
<p>(2) Wnioski z seminarium ministerialnego, które odbyło się w 1988 r. we Frankfurcie, w sprawie wspólnotowej polityki wodnej podkreśliły zapotrzebowanie na prawodawstwo wspólnotowe obejmujące jakość ekologiczną. Rada w swojej rezolucji z dnia 28 czerwca 1988 r. [5] zwróciła się do Komisji o przedłożenie propozycji dotyczących poprawy jakości ekologicznej wspólnotowych wód powierzchniowych.</p>
<p>(3) Deklaracja seminarium ministerialnego, które odbyło się w 1991 r. w Hadze w sprawie wód podziemnych, uznała potrzebę działań w celu uniknięcia długoterminowego pogorszenia się jakości i ilości wód słodkich oraz wezwała do opracowania programu działań do realizacji do 2000 r. mających na celu zrównoważone gospodarowanie i ochronę zasobów wód słodkich. W swoich rezolucjach z dnia 25 lutego 1992 r. [6] oraz z dnia 20 lutego 1995 r. [7] Rada zwróciła się o program działań w zakresie wód podziemnych oraz o zmianę dyrektywy Rady 80/68/EWG z dnia 17 grudnia 1979 r. w sprawie ochrony wód podziemnych przed zanieczyszczeniem spowodowanym przez niektóre substancje niebezpieczne [8], jako część ogólnej polityki ochrony wód słodkich.</p>
<p>(4) Wody na obszarze Wspólnoty znajdują się pod wzrastającą presją spowodowaną ciągłym wzrostem zapotrzebowania na wystarczającą ilość wody o dobrej jakości do wszystkich celów. W dniu 10 listopada 1995 r., Europejska Agencja Środowiska w swoim sprawozdaniu &#8220;Środowisko w Unii Europejskiej 1995&#8221; przedstawiła uaktualnione sprawozdanie o środowisku, potwierdzając potrzebę działań dla ochrony wód Wspólnoty w zakresie zarówno ilościowym, jak i jakościowym.</p>
<p>(5) W dniu 18 grudnia 1995 r. Rada przyjęła wnioski wymagające między innymi opracowania nowej ramowej dyrektywy ustanawiającej podstawowe zasady zrównoważonej polityki wodnej w Unii Europejskiej i zapraszające Komisję do przedłożenia propozycji w tym zakresie.</p>
<p>(6) W dniu 21 lutego 1996 r. Komisja przyjęła komunikat dla Parlamentu Europejskiego oraz Rady w sprawie polityki wodnej Wspólnoty Europejskiej ustanawiający założenia dla wspólnotowej polityki wodnej.</p>
<p>(7) W dniu 9 września 1996 r. Komisja przedstawiła propozycję decyzji Parlamentu Europejskiego i Rady w sprawie programu działań dla zintegrowanej ochrony i gospodarki wodami podziemnymi [9]. W propozycji tej Komisja podkreśliła potrzebę ustalenia procedur dla uregulowania poboru wód słodkich oraz dla monitorowania jakości i ilości wód słodkich.</p>
<p>(8) W dniu 29 maja 1995 r. Komisja przyjęła komunikat dla Parlamentu Europejskiego i Rady w sprawie rozsądnego użytkowania i ochrony terenów podmokłych, w którym uznano znaczenie funkcji, jakie pełnią one w ochronie zasobów wodnych.</p>
<p>(9) Konieczne jest opracowanie zintegrowanej polityki wodnej Wspólnoty.</p>
<p>(10) Rada w dniu 25 czerwca 1996 r., Komitet Regionów w dniu 19 września 1996 r., Komitet Ekonomiczno-Społeczny w dniu 26 września 1996 r. oraz Parlament Europejski w dniu 23 października 1996 r. wezwały Komisję do przedłożenia propozycji dyrektywy Rady ustanawiającej ramy dla europejskiej polityki wodnej.</p>
<p>(11) Jak określono w art. 174 Traktatu, wspólnotowa polityka dotycząca środowiska ma przyczyniać się do wypełniania celów zachowania, ochrony i poprawy jakości środowiska poprzez rozsądne i racjonalne wykorzystywanie zasobów naturalnych, oraz powinna być oparta na zasadzie ostrożności oraz na zasadach, na jakich mają być podejmowane działania zapobiegawcze; priorytetem powinno być, aby szkody wyrządzone w środowisku były naprawiane u źródła, a zanieczyszczający powinien płacić.</p>
<p>(12) Na podstawie art. 174 Traktatu, podczas opracowywania polityki w dziedzinie środowiska, Wspólnota powinna uwzględniać dostępne dane naukowo-techniczne, warunki środowiska w różnych regionach Wspólnoty, rozwój gospodarczy i społeczny Wspólnoty jako całości oraz zrównoważony rozwój jej regionów, jak również potencjalne korzyści i koszty, które mogą wynikać z działania lub zaniechania działania.</p>
<p>(13) Istnieją różnorodne uwarunkowania i potrzeby we Wspólnocie, które wymagają różnych specyficznych rozwiązań. Zróżnicowanie to powinno być uwzględniane podczas planowania i realizacji działań celem zapewnienia ochrony i zrównoważonego korzystania z wód w ramach dorzecza. Decyzje powinny być podejmowane jak najbliżej miejsca, w którym woda jest narażona na negatywne oddziaływanie lub korzystanie. Priorytetem powinny być działania w ramach odpowiedzialności poszczególnych Państw Członkowskich poprzez opracowywanie programów działań dostosowanych do warunków regionalnych i lokalnych.</p>
<p>(14) Sukces niniejszej dyrektywy jest uzależniony od ścisłej współpracy i spójnych działań na poziomie wspólnotowym, Państw Członkowskich oraz lokalnym, jak również od informacji, konsultacji i zaangażowania opinii publicznej, w tym użytkowników.</p>
<p>(15) Zaopatrzenie w wodę jest usługą interesu ogólnego, zgodnie z definicją w komunikacie Komisji w sprawie usług interesu ogólnego w Europie [10].</p>
<p>(16) Konieczne jest dalsze integrowanie ochrony i zrównoważonego gospodarowania wodą z innymi dziedzinami polityk wspólnotowych, takimi jak energetyka, transport, rolnictwo, rybołówstwo, polityka regionalna i turystyka. Niniejsza dyrektywa powinna tworzyć podstawę do kontynuacji dialogu oraz rozwoju strategii dla dalszej integracji poszczególnych obszarów polityk. Niniejsza dyrektywa może także mieć ważny wkład w inne dziedziny współpracy między Państwami Członkowskimi, między innymi w ramach Europejskiej Perspektywy Rozwoju Przestrzennego (EPRP).</p>
<p>(17) Efektywna i spójna polityka wodna powinna uwzględniać wrażliwość ekosystemów wodnych położonych blisko wybrzeży morskich i ujść rzek czy zatok lub względnie zamkniętych mórz, ponieważ ich równowaga jest pod silnym wpływem jakości wód śródlądowych wpływających do nich. Ochrona stanu wód w dorzeczu przyniesie korzyści ekonomiczne poprzez wniesienie wkładu do ochrony populacji ryb, włączając populacje ryb wód przybrzeżnych.</p>
<p>(18) Wspólnotowa polityka wodna wymaga przejrzystych, efektywnych i spójnych ram legislacyjnych. Wspólnota powinna określić wspólne zasady oraz ogólne ramy dla działań. Niniejsza dyrektywa powinna stanowić takie ramy i koordynować oraz integrować i, w dłuższej perspektywie, dalej rozwijać ogólne zasady i struktury dla ochrony i zrównoważonego korzystania z wody na terenie Wspólnoty zgodnie z zasadami pomocniczości.</p>
<p>(19) Niniejsza dyrektywa ma na celu utrzymanie i poprawę środowiska wodnego we Wspólnocie. Cel ten jest szczególnie związany z jakością danych wód. Kontrola ich ilości jest elementem pomocniczym w stosunku do zapewnienia dobrej jakości wód, dlatego powinny być również ustanowione pomiary ilości wód, służące zapewnieniu ich dobrej jakości.</p>
<p>(20) Stan ilościowy danej części wód podziemnych może mieć wpływ na jakość ekologiczną wód powierzchniowych i ekosystemów lądowych związanych z tą częścią wód podziemnych.</p>
<p>(21) Wspólnota i Państwa Członkowskie są stronami różnych umów międzynarodowych zawierających zobowiązania do ochrony wód morskich przed zanieczyszczeniem, szczególnie Konwencji o ochronie środowiska morskiego obszaru Morza Bałtyckiego, podpisanej w Helsinkach w dniu 9 kwietnia 1992 r. i zatwierdzonej decyzją Rady 94/157/WE [11], Konwencji o ochronie środowiska morskiego północno-wschodniego Atlantyku, podpisanej w Paryżu w dniu 22 września 1992 r. i zatwierdzonej decyzją Rady 98/249/WE [12], oraz Konwencji o ochronie Morza Śródziemnego przed zanieczyszczeniem, podpisanej w Barcelonie w dniu 16 lutego 1976 r. i zatwierdzonej decyzją Rady 77/585/EWG [13], oraz jej Protokołu o ochronie Morza Śródziemnego przed zanieczyszczeniem ze źródeł lądowych, podpisanego w Atenach w dniu 17 maja 1980 r. i zatwierdzonego decyzją Rady 83/101/EWG [14]. Niniejsza dyrektywa ma za zadanie przyczyniać się do umożliwienia Wspólnocie i Państwom Członkowskim wypełnienia tych zobowiązań.</p>
<p>(22) Niniejsza dyrektywa powinna przyczynić się do stopniowej redukcji emisji substancji niebezpiecznych do wód.</p>
<p>(23) Niezbędne są wspólne zasady w celu koordynacji wysiłków podejmowanych przez Państwa Członkowskie w celu poprawy ochrony wód Wspólnoty w aspekcie ilościowym i jakościowym, wspierania zrównoważonego korzystania z wód, wkładu w uregulowanie problemów wód transgranicznych, ochrony ekosystemów wodnych oraz ekosystemów lądowych i terenów podmokłych bezpośrednio od nich zależnych, a także dla zabezpieczenia i rozwijania potencjalnych sposobów korzystania z wód Wspólnoty.</p>
<p>(24) Woda o dobrej jakości przyczyni się do zapewnienia zaopatrzenia ludności w wodę do spożycia przez ludzi.</p>
<p>(25) Powinny zostać ustalone wspólne definicje stanu wód w aspekcie jakości oraz, tam gdzie odnosi się to do celów środowiskowych, ilości. Powinny zostać określone cele środowiskowe dla zapewnienia osiągnięcia dobrego stanu wód powierzchniowych i podziemnych w całej Wspólnocie oraz dla zapobieżenia pogorszeniu się stanu wód na poziomie wspólnotowym.</p>
<p>(26) Państwa Członkowskie powinny dążyć do osiągnięcia celu, jakim jest co najmniej dobry stan wód, poprzez określenie i wdrożenie koniecznych działań w ramach zintegrowanych programów działań, uwzględniając istniejące wspólnotowe wymogi. Tam gdzie aktualny stan wód jest dobry, powinien on zostać utrzymany. Dodatkowo w stosunku do wymogów dobrego stanu dla wód podziemnych jakakolwiek tendencja znacznego i trwałego wzrostu stężenia jakiegokolwiek zanieczyszczenia powinna zostać zidentyfikowana i odwrócona.</p>
<p>(27) Ostatecznym celem niniejszej dyrektywy jest osiągnięcie wyeliminowania priorytetowych substancji niebezpiecznych i przyczynienie się do osiągnięcia stężeń w środowisku morskim bliskich wartościom tła dla substancji naturalnie występujących.</p>
<p>(28) Wody powierzchniowe i wody podziemne są w zasadzie odnawialnymi zasobami naturalnymi; w szczególności zadanie mające na celu zapewnienie dobrego stanu wód podziemnych wymaga wczesnych działań i stabilnego, długoterminowego planowania działań ochronnych, z powodu naturalnego opóźnienia czasowego zachodzącego w ich formowaniu i odnawianiu. Takie opóźnienie czasowe w odniesieniu do poprawy ich stanu powinno być uwzględniane w harmonogramach przy ustanawianiu działań dla osiągnięcia dobrego stanu wód podziemnych i odwracania jakichkolwiek znaczących i trwałych trendów wzrostu stężenia jakiegokolwiek zanieczyszczenia w wodach podziemnych.</p>
<p>(29) Dla osiągnięcia celów określonych w niniejszej dyrektywie oraz dla ustanowienia odpowiedniego programu działań Państwa Członkowskie mogą wdrażać stopniowo program w celu bardziej równomiernego rozłożenia kosztów wdrażania.</p>
<p>(30) W celu zapewnienia pełnego i spójnego wdrażania niniejszej dyrektywy jakiekolwiek przedłużenia harmonogramu powinny być dokonywane na podstawie właściwych, oczywistych i przejrzystych kryteriów oraz być uzasadnione przez Państwa Członkowskie w planach gospodarowania wodami w dorzeczu.</p>
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<h3 class="fs2 fw6 mb0">CSmith</h3>
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<time datetime="October 6, 2016 3:08PM">
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<p>What language is this and what does it say?</p>
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<h3 class="fs2 fw6 mb0">V. S.</h3>
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<p>see translation below</p>
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<h3 class="fs2 fw6 mb0">V. S.</h3>
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<p>ILEANA MOTOC on October 6, 2016 at 2:50 pm said:</p>
<p>Directive 2000/60 / EC of the European Parliament and of the Council</p>
<p>of 23 October 2000.</p>
<p>establishing a framework for Community action in the field of water policy</p>
<p>THE EUROPEAN PARLIAMENT AND THE COUNCIL OF THE EUROPEAN UNION,</p>
<p>Having regard to the Treaty establishing the European Community, and in particular Article. 175 paragraph. 1</p>
<p>thereof [1]</p>
<p>Having regard to the Economic and Social Committee [2]</p>
<p>Having consulted the Committee of the Regions [3]</p>
<p>Acting in accordance with the procedure laid down in Article. 251 [4] and in the light of the joint text approved by the Conciliation Committee on 18 July 2000,.,</p>
<p>and Whereas, as follows:</p>
<p>(1) Water is not a commercial product like any other but, rather, a heritage which must be protected, defended and treated as such.</p>
<p>(2) The conclusions of the ministerial seminar that took place in 1988. In Frankfurt, the Community Water Policy highlighted the need for Community legislation covering ecological quality. The Council in its resolution of 28 June 1988. [5] asked the Commission to submit proposals to improve ecological quality in Community surface waters.</p>
<p>(3) Declaration seminar Ministerial, which took place in 1991. In The Hague on groundwater, recognized the need for action to avoid long-term deterioration in the quality and quantity of freshwater and called for a program of action for implementation by 2000. Aimed at sustainable management and protection of freshwater resources. In its resolutions of 25 February 1992. [6] and of 20 February 1995. [7], the Council requested an action program for groundwater and a revision of Council Directive 80/68 / EEC of 17 December 1979 . on the protection of groundwater against pollution caused by certain dangerous substances [8], as part of an overall policy on freshwater protection.</p>
<p>(4) Waters in the Community are under increasing pressure from the continuous growth in demand for sufficient quantities of good quality water for all purposes. On 10 November 1995., The European Environment Agency in its report &#8220;Environment in the European Union &#8211; 1995&#8221; presented an updated state of the environment report, confirming the need for action to protect Community waters in terms of both quantity and quality.</p>
<p>(5) On 18 December 1995. The Council adopted conclusions requiring, inter alia, to develop a new framework Directive establishing the basic principles of sustainable water policy in the European Union and inviting the Commission to submit proposals in this regard.</p>
<p>(6) On 21 February 1996. The Commission adopted a Communication to the European Parliament and of the Council on European Community water policy setting out the principles for a Community water policy.</p>
<p>(7) On 9 September 1996. Commission presented a proposal for a Decision of the European Parliament and of the Council on an action program for integrated protection and management of groundwater [9]. In that proposal the Commission stressed the need to establish procedures for the regulation of abstraction of freshwater and for the monitoring of the quality and quantity of freshwater.</p>
<p>(8) On 29 May 1995. The Commission adopted a Communication to the European Parliament and of the Council on the wise use and conservation of wetlands, which recognized the important functions they perform for the protection of water resources.</p>
<p>(9) It is necessary to develop an integrated Community policy on water.</p>
<p>(10) The Council on 25 June 1996. The Committee of the Regions on 19 September 1996., Economic and Social Committee on 26 September 1996. And the European Parliament on 23 October 1996. Requested the Commission to submit a proposal for a Council Directive establishing a framework for European water policy.</p>
<p>(11) As set out in Article. 174 of the Treaty, Community policy on the environment is to contribute to the fulfillment of the objectives of preserving, protecting and improving the quality of the environment through prudent and rational utilization of natural resources, and should be based on the precautionary principle and on the principles on which they are to be taken preventive action; priority should be given to environmental damage should be rectified at source and that the polluter should pay.</p>
<p>(12) Pursuant to art. 174 of the Treaty, in preparing its policy on the environment, the Community should take account of available scientific and technical data, environmental conditions in the various regions of the Community, economic and social development of the Community as a whole and the balanced development of its regions, as well as the potential benefits and costs that may result from action or lack of action.</p>
<p>(13) There are diverse conditions and needs in the Community which require different specific solutions. This diversity should be taken into account during the planning and execution of measures to ensure protection and sustainable use of water within the river basin. Decisions should be taken as close to the place where the water is exposed to the negative impact or use. Priority should be given to action within the responsibility of Member States through the development of programs of measures adjusted to regional and local conditions.</p>
<p>(14) The success of this Directive relies on close cooperation and coherent action at Community, Member State and local level as well as on information, consultation and involvement of the public, including users.</p>
<p>(15) The supply of water is a service of general interest as defined in the Commission Communication on services of general interest in Europe [10].</p>
<p>(16) Further integration of protection and sustainable management of water into other Community policy areas such as energy, transport, agriculture, fisheries, regional policy and tourism. This Directive should provide a basis for continued dialogue and for the development of strategies towards a further integration of policy areas. This Directive can also make an important contribution to other areas of cooperation between Member States, inter alia, the European Spatial Development Perspective (ESDP).</p>
<p>(17) An effective and coherent water policy must take into account the vulnerability of aquatic ecosystems located near the coast and estuaries or in gulfs or relatively closed seas, as their equilibrium is strongly influenced by the quality of inland waters flowing into them. Protection of water status within river basins will provide economic benefits by contributing towards the protection of fish populations, including coastal fish populations.</p>
<p>(18) Community water policy requires a transparent, effective and coherent legislative framework. Community should provide common principles and the overall framework for action. This Directive should provide for such a framework and coordinate and integrate, and, in the long run, further develop the overall principles and structures for protection and sustainable use of water in the Community in accordance with the principles of subsidiarity.</p>
<p>(19) This Directive aims at maintaining and improving the aquatic environment in the Community. This purpose is primarily concerned with the quality of the water. Control of quantity is an ancillary element in securing good water quality and therefore should also be established by measuring the amount of water, to ensure their quality.</p>
<p>(20) The quantitative status of a body of groundwater may have an impact on the ecological quality of surface waters and terrestrial ecosystems associated with that groundwater body.</p>
<p>(21) The Community and the Member States are party to various international agreements containing important obligations on the protection of marine waters from pollution, in particular the Convention on the Protection of the Marine Environment of the Baltic Sea Area, signed in Helsinki on 9 April 1992. And approved by Council Decision 94/157 / EC [11] Convention for the protection of the marine environment of the north-east Atlantic, signed in Paris on 22 September 1992. and approved by Council Decision 98/249 / EC [12], and the Convention on the protection of the Mediterranean Sea against pollution, signed in Barcelona on February 16, 1976. and approved by Council Decision 77/585 / EEC [13], and its Protocol for the protection of the Mediterranean Sea against pollution from land-based sources, signed in Athens on 17 May 1980. and approved by Council Decision 83/101 / EEC [14]. This Directive aims to contribute to enabling the Community and the Member States to meet those obligations.</p>
<p>(22) This Directive should contribute to the progressive reduction of emissions of hazardous substances to water.</p>
<p>(23) Common principles are needed in order to coordinate the efforts made by Member States to improve the protection of Community waters in terms of quantity and quality, to promote sustainable water use, contribute to the control of transboundary water problems, to protect aquatic ecosystems and terrestrial ecosystems and wetlands directly They are depending on them, and to safeguard and develop the potential uses of Community waters.</p>
<p>(24) Good water quality will contribute to ensure the public water supply for human consumption.</p>
<p>(25) should be established common definitions of the status of water in terms of quality and, where relevant for the purposes of environmental protection, quantity. They should be defined environmental objectives to ensure that good status of surface water and groundwater throughout the Community and to prevent deterioration of the status of waters at Community level.</p>
<p>(26) Member States should strive to achieve the objective of at least good water status by defining and implementing the necessary measures within integrated programs of measures, taking into account existing Community requirements. Where water status is good, it should be maintained. In addition to the requirements of good status for groundwater, any tendency of significant and sustained increase in the concentration of any pollutant should be identified and reversed.</p>
<p>(27) The ultimate aim of this Directive is to achieve the elimination of priority hazardous substances and contribute to achieving concentrations in the marine environment near background values for naturally occurring substances.</p>
<p>(28) Surface waters and groundwaters are in principle renewable natural resources; in particular the task of ensuring good status of groundwater requires early action and stable long-term planning of protective measures, owing to the natural time lag in its formation and renewal. Such time lag in relation to the improvement should be taken into account in timetables when establishing measures for the achievement of good status of groundwater and reversing any significant and sustained upward trend in concentration of any pollutant in groundwater.</p>
<p>(29) For the purposes set out in this Directive and in establishing a program of measures, Member States may phase implementation of the program in order to spread the costs of implementation.</p>
<p>(30) In order to ensure a full and consistent implementation of this Directive any extensions of timescale should be made on the basis of appropriate, evident and transparent criteria and be justified by the Member States plans to river basin management.</p>
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<h3 class="fs2 fw6 mb0">Julie S.</h3>
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<p>I thought all workers without access to a 401k account could open a myRA account through the IRS.</p>
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<h3 class="fs2 fw6 mb0">R.F.</h3>
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<p>The <a href="https://myra.gov/" target="_blank" rel="nofollow">myRA</a> savings account is program developed by the United States Department of the Treasury for people without access to retirement savings plan at work. It is an option for individuals to add savings for their retirement. For more information call the U.S. Department of the Treasury at 855-406-6972. Thanks!</p>
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<h3 class="fs2 fw6 mb0">Christine M.</h3>
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<time datetime="October 6, 2016 2:48PM">
October 6, 2016 2:48PM </time>
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<p>They all lie! Better have my money right though</p>
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<h3 class="fs2 fw6 mb0">Collyn</h3>
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<p>It isn&#8217;t much of a savings, but there are always IRAs. If they qualify.</p>
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<h3 class="fs2 fw6 mb0">Martin G.</h3>
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<p>I am curious as to specifically what this administration has done to strengthen Social Security</p>
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<h3 class="fs2 fw6 mb0">A. R.</h3>
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<p>Read read read</p>
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<h3 class="fs2 fw6 mb0">Dianne J.</h3>
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<p>Read, read and more read, and am still not reading about what Obama and/or his administration has done to strengthen Social Security, so I surmise, like much of this administration &#8212; nothing.</p>
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<p>Yeah Hillary says she got it bit Obama only had weakened it! They always say they do something good , but then when electioned they do zip, zero, Worse!!!</p>
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<p>I could not agree more!! What is being done to STRENGTHEN S. S. and NOT figure out ways to take more out it.</p>
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<h3 class="fs2 fw6 mb0">Tom</h3>
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<p>Hate to invoke reality and have you leave your information bubble, but it is not the executive branch that funds or authorizes social security. If you attended a middle school civics class you would have learned that Congress authorizes funds and expenditures and legislates the law and regulations. The guy (usually) that you send to Congress who was most recently a used car salesman who you want to cut government is the guy making things worse in your name. If you believe in magical thinking that you can cut funds, close offices and lose staff through budget cuts while increasing service, you need to look in the mirror. You are the causing the problem and not the president you hate because of his race, imagined religion or imagined non-existent birth record or his non-existent involvement in Mau Mau or political party or lord knows what else you invent. As the late Senator Moynihan said: you are entitled to your own opinion but not your own facts.</p>
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<p>And when the prez uses his executive powers to override our congress etc., how are the law makers to be blamed if they&#8217;re overruled by the president? In that situation the prez is to be blamed for his bullying the issues, not wanted by the law makers, into his agenda.</p>
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<h3 class="fs2 fw6 mb0">Greg P.</h3>
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<p>In fact, the President MUST come before Congress within 90 days, and explain why he/she used &#8220;Executive Privilege&#8221; to over-ride Congress. At that time, Congress can either fund the program, or reject it and force the President to propose legislation to pay for whatever he enacts, which Congress can either accept or reject. Congress does actually have the last say, which is how it should be.</p>
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<p>You&#8217;re are showing your age, Tom. They don&#8217;t teach civics in school anymore. The government does not want an educated population who can think and reason for themselves.</p>
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<h3 class="fs2 fw6 mb0">Joe T.</h3>
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<time datetime="October 10, 2016 7:27AM">
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<p>Who thinks for you?</p>
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<p>RIGHT ON, TOM!!! You hit the nail right on the head. It&#8217;s the people who don&#8217;t or won&#8217;t bother to learn, read, or find out FACTS for themselves from the original source, preferring instead to accept without question the ridiculous and frankly impossible hateful soundbites and flat out LIES from inept and ignorant &#8220;representstives&#8221; that THEY vote for based on these ridiculous lies, that cause their own problems with Social Security, Meficare, and everything else &#8211; and taking the rest of us down the toilet with them, I might add. </p>
<p>We&#8217;re even in danger of finding ourselves with the most unqualified, ignorant, stupid, bigoted, and hateful individual voted into office of President of the United States &#8211; the rich, spoiled, self-indulgent Donald Trump &#8211; by people just such as these, who have somehow bought into the idea that a billionaire (or so he claims) who sits on gold encrusted chairs and even shits in Golden toilets actually gives a crap about them. How in the Hell could these people who hate Hillary Clinton for being &#8220;rich&#8221; actually believe this supercilious playboy with absolutely no morals or values, to whom all of us common people are no more than cockroaches, cares about them and is on their side??? </p>
<p>Donald Trump hasn&#8217;t paid income taxes for TWENTY YEARS, yet he brags he&#8217;s worth 20 BILLION dollars! Seriously??? I&#8217;m on SSDI and I pay income tax on that! Under $23000. And I&#8217;m happy to do so because that&#8217;s what funds public libraries, our highways, traffic signals, police, fire, and paramedics, teachers, AND SOCIAL SECURITY OFFICES!!! DUH!!! Get a clue, people, before it&#8217;s too late. Clearly neither Trump nor his clueless followers ever attended a middle school Civics class, or they&#8217;d know Trump CANNOT &#8220;renegotiate deals&#8221; like treaties and laws, nor can Hillary Clinton (nor anybody else) &#8220;repeal the 2nd Amendment &#8211; a legislative action that must then be ratified by mahority votes by TWO-THIRDS of the 50 states before taking effect.</p>
<p>I cannot believe people on these very blogs gripe about how long their Social Security disability determination is taking while screaming for their ignorant, corrupt &#8220;representatives&#8221; to give us &#8220;smaller government!&#8221; Cut staff, hours, and close offices as you said, what do they expect? </p>
<p>Get a clue, people. STOP blaming the WRONG party for all the problems that YOU actually bring upon yourselves (and all the rest of us). Try reading some actual information for once in your lives, NOT propaganda or phony, falsified &#8220;stastics&#8221; or &#8220;reports&#8221; or &#8220;studies&#8221; put out by special interest groups with high minded sounding names disguising the fact that they&#8217;re fronts for the uber wealthy Koch brothers and their ilk, and the multinational corporations they own. You want to know what the Constitution says? READ the actual document- the Constitution is actually a very short document. Want to know what the ACA says? READ IT, and/or the entire GOVERNMENT website that explains every word of it which has been online since 2 years before it passed &#8211; and after all, it IS a government document. Anyone who says &#8221; no one really knows what&#8217;s in it&#8221; is a lazy idiot, because all one has to do is READ it to know. </p>
<p>Go to a library and read history books, go online and read the ACTUAL letters and transcripts from the meetings of the Continental Congress that wrote the Constitution to know what the Founding Fathers really intended. It&#8217;s all there. Take some responsibility, as an American. It&#8217;s your civic duty.</p>
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<h3 class="fs2 fw6 mb0">Arthur</h3>
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<p>Me thinks it is you Marc that needs to visit the library.<br />
Your comments are so riddled with false hoods (or maybe just plain ignorance) that any credible response would be damn near impossible.</p>
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<h3 class="fs2 fw6 mb0">AgainstTrump</h3>
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<time datetime="October 7, 2016 8:52AM">
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<p>Spot on Tom and Marc!</p>
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<h3 class="fs2 fw6 mb0">jeff</h3>
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<p>Spot on Arthur!</p>
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<h3 class="fs2 fw6 mb0">Susan i.</h3>
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<time datetime="October 7, 2016 6:44PM">
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<p>I cannot believe that you are a supporter of our Constitution. It is you who need to read it again. We have a current Washington DC administration and their Presidential candidate that don&#8217;t uphold the Constitution. You hate Trump. Shall I presume you think Hillary is worthy of being the President&#8230;.she is a liar and a cheat who should be in prison, except that the current administration protects her. Hopefully, Obama till go down with her.</p>
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<h3 class="fs2 fw6 mb0">Al</h3>
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<time datetime="October 9, 2016 8:38PM">
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<p>As Pelosi said we have to pass this bill to know what&#8217;s in it! So before you preach to me preach to her to &#8220;DO HER JOB SHE WAS ELECTRF TO DO&#8221;</p>
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<h3 class="fs2 fw6 mb0">ken c.</h3>
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<p>It seems to me that more money is spent on people not willing to work and/or have too many children with a father not will to support them. The people starting retirement or in full retirement are not supported after a lifetime of paying into SSI. As far as this administration doing something, not for me, &#8220;can&#8217;t get a cost of living&#8221; raise that follows the &#8220;real&#8221; cost of living increasing. Everyone has a choice, save, invest as you go through life, can&#8217;t afford to do that, adjust your life style. First thought, way to many $700 smart phones, high cost of internet and 300 channels for your TV.<br />
Just food for thought</p>
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