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	<title>Comments on: Fraud, Waste, and the First Time Homebuyer Credit</title>
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	<link>http://toughmoneylove.com/2009/10/20/fraud-waste-first-time-homebuyer-credit/</link>
	<description>The Hard Truth about Money and Personal Finance</description>
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		<title>By: Rick Beagle</title>
		<link>http://toughmoneylove.com/2009/10/20/fraud-waste-first-time-homebuyer-credit/comment-page-1/#comment-6317</link>
		<dc:creator>Rick Beagle</dc:creator>
		<pubDate>Sun, 01 Nov 2009 19:56:34 +0000</pubDate>
		<guid isPermaLink="false">http://toughmoneylove.com/?p=4804#comment-6317</guid>
		<description>Hitler was a right wing fanatic that used propaganda and patriotism to seize power.  He believed that his countrymen were superior and that they should take what they need or want from those that would dare oppose or oppress them.  

That is a short succinct version, but you get the point.  Now read your asinine comments and tell me how you wouldn&#039;t have supported Hitler?  You are a &quot;history fail&quot; MasterPo.

Rick Beagle</description>
		<content:encoded><![CDATA[<p>Hitler was a right wing fanatic that used propaganda and patriotism to seize power.  He believed that his countrymen were superior and that they should take what they need or want from those that would dare oppose or oppress them.  </p>
<p>That is a short succinct version, but you get the point.  Now read your asinine comments and tell me how you wouldn&#8217;t have supported Hitler?  You are a &#8220;history fail&#8221; MasterPo.</p>
<p>Rick Beagle</p>
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		<title>By: Rick Beagle</title>
		<link>http://toughmoneylove.com/2009/10/20/fraud-waste-first-time-homebuyer-credit/comment-page-1/#comment-6316</link>
		<dc:creator>Rick Beagle</dc:creator>
		<pubDate>Sun, 01 Nov 2009 19:52:28 +0000</pubDate>
		<guid isPermaLink="false">http://toughmoneylove.com/?p=4804#comment-6316</guid>
		<description>There are thousands of examples MasterPo.  If you can&#039;t find them, you aren&#039;t looking that hard.   Did you happen to catch that case in California with regards to Blue Cross and Blue Shield?   A few billion in penalties for doing this should equal proof, but at this point, you are so hell bent on supporting your myriad of views that proof to the contrary is neither welcomed nor even considered.</description>
		<content:encoded><![CDATA[<p>There are thousands of examples MasterPo.  If you can&#8217;t find them, you aren&#8217;t looking that hard.   Did you happen to catch that case in California with regards to Blue Cross and Blue Shield?   A few billion in penalties for doing this should equal proof, but at this point, you are so hell bent on supporting your myriad of views that proof to the contrary is neither welcomed nor even considered.</p>
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		<title>By: MasterPo</title>
		<link>http://toughmoneylove.com/2009/10/20/fraud-waste-first-time-homebuyer-credit/comment-page-1/#comment-6267</link>
		<dc:creator>MasterPo</dc:creator>
		<pubDate>Mon, 26 Oct 2009 03:18:49 +0000</pubDate>
		<guid isPermaLink="false">http://toughmoneylove.com/?p=4804#comment-6267</guid>
		<description>pps- I would *still* like for you or anyone to show me a *well documented* (meaning I can read both the claim being made, the reason for the insurance denial and the details of both the bill and the policy, among other information) example of someone with full health insurance coverage that was in force and  paid up to date then got sick and we denied insurance benefits just because the &quot;evil&quot; insurance company didn&#039;t want to pay the coverage the person had in force!

I&#039;m willing to bet well that in 99.999% of the cases where it is *claimed* that someone with insurance was denied benefits it is because either:

- the policy has lapsed (probably due to non-payment of premiums)
- the claim was not properly submitted (paper work BS)
- there is some specific limitation or exclustion listed in the policy the person either knew about or didn&#039;t bother reading about
- some kind of treatment clearly not include or clearly excluded from coverage but they think they should be able to get anyway
- a set limit of coverage the person either didn&#039;t want to pay for or didn&#039;t bother to read about
- a specific lack of coverage the person chose not to pay for or didn&#039;t bother to find out about

I know there are situations where an insurance company will simple play dumb and drag their feet hoping the claim will go away. That&#039;s not in any way exclusive to the health insurance industry. Car, home, disability, even life insurance has had those problems on occation. It isn&#039;t a perfect world.

But I just can&#039;t fathom that your number of 14,000 (I&#039;ve heard other numbers from 12,000 up to 20,000) people die a year from bad health care due to having insurance but simply being denied services for the sole reason of &quot;just because we say &#039;No&#039;&quot;.</description>
		<content:encoded><![CDATA[<p>pps- I would *still* like for you or anyone to show me a *well documented* (meaning I can read both the claim being made, the reason for the insurance denial and the details of both the bill and the policy, among other information) example of someone with full health insurance coverage that was in force and  paid up to date then got sick and we denied insurance benefits just because the &#8220;evil&#8221; insurance company didn&#8217;t want to pay the coverage the person had in force!</p>
<p>I&#8217;m willing to bet well that in 99.999% of the cases where it is *claimed* that someone with insurance was denied benefits it is because either:</p>
<p>- the policy has lapsed (probably due to non-payment of premiums)<br />
- the claim was not properly submitted (paper work BS)<br />
- there is some specific limitation or exclustion listed in the policy the person either knew about or didn&#8217;t bother reading about<br />
- some kind of treatment clearly not include or clearly excluded from coverage but they think they should be able to get anyway<br />
- a set limit of coverage the person either didn&#8217;t want to pay for or didn&#8217;t bother to read about<br />
- a specific lack of coverage the person chose not to pay for or didn&#8217;t bother to find out about</p>
<p>I know there are situations where an insurance company will simple play dumb and drag their feet hoping the claim will go away. That&#8217;s not in any way exclusive to the health insurance industry. Car, home, disability, even life insurance has had those problems on occation. It isn&#8217;t a perfect world.</p>
<p>But I just can&#8217;t fathom that your number of 14,000 (I&#8217;ve heard other numbers from 12,000 up to 20,000) people die a year from bad health care due to having insurance but simply being denied services for the sole reason of &#8220;just because we say &#8216;No&#8217;&#8221;.</p>
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		<title>By: MasterPo</title>
		<link>http://toughmoneylove.com/2009/10/20/fraud-waste-first-time-homebuyer-credit/comment-page-1/#comment-6260</link>
		<dc:creator>MasterPo</dc:creator>
		<pubDate>Sat, 24 Oct 2009 16:40:45 +0000</pubDate>
		<guid isPermaLink="false">http://toughmoneylove.com/?p=4804#comment-6260</guid>
		<description>And, according to some groups, 50,000 children a year die from &quot;second hand smoke&quot; but cigs are still legal.

So what&#039;s your point?

ps- You&#039;re Hitler comment proves you&#039;re off your meds.</description>
		<content:encoded><![CDATA[<p>And, according to some groups, 50,000 children a year die from &#8220;second hand smoke&#8221; but cigs are still legal.</p>
<p>So what&#8217;s your point?</p>
<p>ps- You&#8217;re Hitler comment proves you&#8217;re off your meds.</p>
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		<title>By: Rick Beagle</title>
		<link>http://toughmoneylove.com/2009/10/20/fraud-waste-first-time-homebuyer-credit/comment-page-1/#comment-6250</link>
		<dc:creator>Rick Beagle</dc:creator>
		<pubDate>Fri, 23 Oct 2009 17:11:26 +0000</pubDate>
		<guid isPermaLink="false">http://toughmoneylove.com/?p=4804#comment-6250</guid>
		<description>14,000 die a year (and growing according to recent report from some hack group at Harvard) due to lack of adequate health care, but I don&#039;t see you wanting to spend a trillion or two on that?  

More to the point, explain to me how in the heck is our efforts and blood overseas stopping terrorism?  Please explain that to me because so far, you have nothing. As for WMDs being in Iraq, where are they and more importantly, where is the data that showed that they represented a threat to our country or our allies?  Again, you have nothing....    

Here is a thought for you, before we send our people to die how about we actually have a goal besides making Cheney and his friends rich.  Point in case, we had Iraq stabilized and we were set to move out --- Cheney replaced the transition team and fired the Iraq military (thereby creating the insurgency).  There is no way you could possibly look at the timeline and see that treason wasn&#039;t committed by the office of the Vice President.  Throw in some torture and the man needs to be sent to prison.   

If you were around in 1941 you would have happily supported Hitler -- mull that over.</description>
		<content:encoded><![CDATA[<p>14,000 die a year (and growing according to recent report from some hack group at Harvard) due to lack of adequate health care, but I don&#8217;t see you wanting to spend a trillion or two on that?  </p>
<p>More to the point, explain to me how in the heck is our efforts and blood overseas stopping terrorism?  Please explain that to me because so far, you have nothing. As for WMDs being in Iraq, where are they and more importantly, where is the data that showed that they represented a threat to our country or our allies?  Again, you have nothing&#8230;.    </p>
<p>Here is a thought for you, before we send our people to die how about we actually have a goal besides making Cheney and his friends rich.  Point in case, we had Iraq stabilized and we were set to move out &#8212; Cheney replaced the transition team and fired the Iraq military (thereby creating the insurgency).  There is no way you could possibly look at the timeline and see that treason wasn&#8217;t committed by the office of the Vice President.  Throw in some torture and the man needs to be sent to prison.   </p>
<p>If you were around in 1941 you would have happily supported Hitler &#8212; mull that over.</p>
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		<title>By: MasterPo</title>
		<link>http://toughmoneylove.com/2009/10/20/fraud-waste-first-time-homebuyer-credit/comment-page-1/#comment-6245</link>
		<dc:creator>MasterPo</dc:creator>
		<pubDate>Fri, 23 Oct 2009 03:09:39 +0000</pubDate>
		<guid isPermaLink="false">http://toughmoneylove.com/?p=4804#comment-6245</guid>
		<description>If we did &quot;let OBL get away&quot; that&#039;s because the political end didn&#039;t have the stones to do what is need to get him. Carpet bomb, blast anything that moves, etc. Rather than swoop down and arrest him. Clinton did no better. The Sudan offered OBL to him on a silver platter and he didn&#039;t take him, saying we didn&#039;t have enough &quot;evidence&quot; to arrest him!

Can you explain why, to this day, the British have NEVER recanted their intellegence reports that Saddam had WMD&#039;s? I&#039;d remind you that a WMD isn&#039;t just a nuke but also chemicals (and bios). We know for a FACT Saddam had them and used them on his own people. I clearly saw CNN (no friend of Republicans) reporting how Saddam used chemicals on unarmed civilian Kurds in the north of Iraq after Desert Storm. Funny, they blamed it on Bush too!

But your right. Let&#039;s just put out WANTED posters in the post offices and 7-Eleven&#039;s of the world. Maybe someone will drop a dime on OBL and other terrorists. In the meantime, if you see something say something is out best defense. (That is, if you say something you may be sued for discrimination!)

My greatest fear: People of your think have lead us back to a pre-9/11 thinking mode a mere 8 years after the most DEVISTATING attack in American history. I thank G-D you and your thought followers weren&#039;t around in 1941.

Just what will it take for you to get your hackles up over the death of Americans? If 3,000 civilians (I knew some of them!) wasn&#039;t enough would 30,000 or 300,000 be enough for you? Or is that still Bush&#039;s fault anyway...</description>
		<content:encoded><![CDATA[<p>If we did &#8220;let OBL get away&#8221; that&#8217;s because the political end didn&#8217;t have the stones to do what is need to get him. Carpet bomb, blast anything that moves, etc. Rather than swoop down and arrest him. Clinton did no better. The Sudan offered OBL to him on a silver platter and he didn&#8217;t take him, saying we didn&#8217;t have enough &#8220;evidence&#8221; to arrest him!</p>
<p>Can you explain why, to this day, the British have NEVER recanted their intellegence reports that Saddam had WMD&#8217;s? I&#8217;d remind you that a WMD isn&#8217;t just a nuke but also chemicals (and bios). We know for a FACT Saddam had them and used them on his own people. I clearly saw CNN (no friend of Republicans) reporting how Saddam used chemicals on unarmed civilian Kurds in the north of Iraq after Desert Storm. Funny, they blamed it on Bush too!</p>
<p>But your right. Let&#8217;s just put out WANTED posters in the post offices and 7-Eleven&#8217;s of the world. Maybe someone will drop a dime on OBL and other terrorists. In the meantime, if you see something say something is out best defense. (That is, if you say something you may be sued for discrimination!)</p>
<p>My greatest fear: People of your think have lead us back to a pre-9/11 thinking mode a mere 8 years after the most DEVISTATING attack in American history. I thank G-D you and your thought followers weren&#8217;t around in 1941.</p>
<p>Just what will it take for you to get your hackles up over the death of Americans? If 3,000 civilians (I knew some of them!) wasn&#8217;t enough would 30,000 or 300,000 be enough for you? Or is that still Bush&#8217;s fault anyway&#8230;</p>
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		<title>By: Rick Beagle</title>
		<link>http://toughmoneylove.com/2009/10/20/fraud-waste-first-time-homebuyer-credit/comment-page-1/#comment-6244</link>
		<dc:creator>Rick Beagle</dc:creator>
		<pubDate>Fri, 23 Oct 2009 02:23:09 +0000</pubDate>
		<guid isPermaLink="false">http://toughmoneylove.com/?p=4804#comment-6244</guid>
		<description>MasterPo,
    You are so deep in the koolaid that you can&#039;t even tell reality from fantasy.  Seriously, you need to back off a bit and read what you type.  Do you really think it is my belief that terrorists&#039; targeted us because of Bush?  We disagree, but seriously, that is an absurd comment to make.  

Furthermore, sending armed forces into a country just so we can get bidding on their oil fields does little to stop terrorism (yep, after thirty years, the oil fields in Iraq were opened for bidding - the very day we pulled out of their biggest cities).  It was all about the money and the oil... never about terrorism or preventing it.  Doubt it?  Why did we let OBL get away?  That&#039;s not the claims from some left winged blog, that is testimony from the CIA and military operatives on site in Afghanistan.  Want a link?

They put the fear of God into you and then took advantage of our country and it&#039;s most patriotic and bravest.

Shameful.</description>
		<content:encoded><![CDATA[<p>MasterPo,<br />
    You are so deep in the koolaid that you can&#8217;t even tell reality from fantasy.  Seriously, you need to back off a bit and read what you type.  Do you really think it is my belief that terrorists&#8217; targeted us because of Bush?  We disagree, but seriously, that is an absurd comment to make.  </p>
<p>Furthermore, sending armed forces into a country just so we can get bidding on their oil fields does little to stop terrorism (yep, after thirty years, the oil fields in Iraq were opened for bidding &#8211; the very day we pulled out of their biggest cities).  It was all about the money and the oil&#8230; never about terrorism or preventing it.  Doubt it?  Why did we let OBL get away?  That&#8217;s not the claims from some left winged blog, that is testimony from the CIA and military operatives on site in Afghanistan.  Want a link?</p>
<p>They put the fear of God into you and then took advantage of our country and it&#8217;s most patriotic and bravest.</p>
<p>Shameful.</p>
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