Insurance Questions and Answers

I purchased an Existing Child Care , Seller lied something like store !?

The seller lied almost enrollment upon review to closing records existed . Turned out they be fake. Leased Building have mold (hidden) from me the buyer and not disclosed. I have also cultured that the seller have told licensing agencies to hold up my liscenses as long as they can. Which will make happen financial hardhip to my company.


Answers: get a legal representative
Does the seller know you know? :)

This is one for an attorney. Sounds similar to you've got a fraud crust in the making. As capably as an interfering with adjectives contracts suit (the licensing agency).
Here's what you do. Go over the paperwork you currently own and see if there is anything contained by your agreement regarding non disclosure, or pre-existing conditions. I'd probably right to be heard get a attorney, because that's the only path you're going to put some fear into the buyer.
Next up, clutch care of the mold problem ASAP, and preserve your records. It'll cost you some money, but you necessitate that to get started. You will most imagined be able to verbs the money in court.
You'll never seize licensed with a mold problem unless you darken it, and if that's the case, you'll risk the condition of the kids in your program, and that's not cool.
Talk to your license dept, and ask them who told them to hold your license, and why. If this person is doing something to stop you from making money, and you can catch some documentation, you could really have some proof within court, and get reimbursed for your troubles.
Sorry you get screwed. Good luck. I hope you nail that bump!
Get an attorney, and you didn't mention hiring a Realtor that specialized in commercial property...and that be a mistake.

You have grounds to sue...misrepresenting a business, is a substance misrepresentation and a judge will most probable force the seller to purchase the property final.

Do that before you spend a dollar on the mold problem because NOT ALL mold problems can be fixed.I would also wager that may be why she sold.

Did you waive your right to an inspection? If you did...explicitly going to hurt you in court.
OK, you purchased an existing business. The business purchase closed next to fake documentation.

You have need of to consult your attorney about this - preferably the guy who you hired to aid you with this purchase. You ALSO obligation to consult with the inspectors YOU hired.

If you didn't hire an attorney or any inspectors, you didn't do a highly good commission screening the business before you bought it.

Mold isn't a problem, MOST of the time. It's usually kill by bleach. MOST mold isn't the scarey, toxic kind. Licensing agencies don't "listen" to seller regarding your license.

Cancel Gap Card - where to cancel??




Answers: Did you pay for Gap? Why cancel? Did you pay the vehicle off? Call your note holder, they will provide the info you want.
Don't you get monthly statements? Look there.

If health care is a right shouldn't car insurance be a right also?




Answers: Health care isn't a right. No doctor is REQUIRED to treat you, if they don't want to - unless you go to an emergency room with a life threatening emergency. Even if they do, THEY have the right to expect you to pay them for services rendered. So you still have to pay them.

Your driver's license isn't a "right". Yep, you have no "right" to drive. So why should your insurance be a right??

You're entitled to life, liberty, and pursuit of happiness. THAT'S IT. You're not entitled to handouts, and you're not entitled to happiness - you're just entitled to chase after it. Maybe you'll catch it, maybe you won't. But if you won't chase it, you won't find it, just like everything else in this world.
Even given your line of thought here, try this...

The odds of your health affecting another person is small, broken leg, headaches, etc.

The odds of your car affecting another person are much, muich higher even if you use it responsibly. An accident that you didn't cause could still technically be your fault and you'd have to pay their medical expenses.
Given that there are thousands on the road without car insurance, apparently that is a common belief--after all, after they crash into you it was YOUR responsibility to have uninsured motorist coverage.

I like how economist Walter Williams explains a right, because this is how our Founders understood it:
"At least in the standard historical usage of the term, a right is something that exists simultaneously among people. A right confers no obligation on another. For example, the right to free speech is something we all possess. My right to free speech imposes no obligation upon another except that of non-interference. Similarly, I have a right to travel freely. That right imposes no obligation upon another except that of non-interference.

Contrast those rights to the supposed right to decent housing or medical care. Those supposed rights do confer obligations upon others. There is no Santa Claus or Tooth Fairy. If you don't have money to pay for decent housing or medical services, and the government gives you a right to those services, where do you think the money comes from?"
http://www.capmag.com/article.asp?ID=200...

Having said that, there IS an obligation on the part of government to: (1) follow the Constitution, which they rarely do and (2) apply the rule of law equally across the board, which they also fail to do.

The ridiculous costs of health care in the US are solely the result of bad governmental policies AND their refusal to apply contract law and anti-trust laws to the handful of big insurers who unfairly dominate and control the practice of medicine in the US. That does need to be resolved.

Solution:
I want QUALITY, ACCESSIBLE, AFFORDABLE health care for all.
That means preventative care (physical with follow up). Real medication (no Medicare "donut holes" the really ill are screwed again.) No bogus ridiculously low "caps" on needed medical procedures. No abuse of the ER. No paying for the silly with the sniffles to go to the doc for free. No more bankruptcies over medical bills. I want THIS plan that ends abuse of the taxpayer, takes the burden off employers, provides price transparency, and ends the rip-off of the US taxpayer at the hands of greedy insurance CEOs (which has been repeatedly documented).
http://www.booklocker.com/books/3068.htm...
Read the PDF, not the blurb, for the bulk of the plan. Book is searchable on Amazon.com
Cassandra Nathan's Save America, Save the World

Evidence re: insurers includes:
From a doc whose job was denying LEGITIMATE claims to make the company more money:
Linda Peeno, MD testified that SHE had often denied treatment JUST to save the insurance company money (http://www.thenationalcoalition.org/DrPe...

The corruption of the HANDFUL of large insurers is appalling and the government is impotent in resolving this issue http://www.newsmax.com/medicine_men/medi...

Hospitals especially and some docs have become so aggressive about medical bills that that bankruptcy issue is likely to get worse http://www.businessweek.com/bwdaily/dnfl...

The special treatment of insurance companies is unacceptable. No other industry gets the multiple breaks they do. Jamie Court's Making a Killing book is an eye-opener (http://www.makingakilling.org/contents.h... Why should it be that when a person's insurance comes via his employer (as most peoples' do) that the insurer has such protections for refusal to pay for treatment the patient needs, can't afford without insurance, and has reason to believe IS covered results in the patient's death? Such a suit can't be brought if the person dies; if the person lives and is in a world of hurt, all the patient can recover is the cost of the denied procedure. Talk about an incentive to NOT provide treatment!

Furthermore:
"the vast majority of health insurance policies are through for-profit stock companies. They are in the process of “shedding lives” as some term it when “undesirable” customers are lost through various means, including raising premiums and co-pays and decreasing benefits (Britt, “Health insurers getting bigger cut of medical dollars,” 15 October 2004, investors.com). That same Investors Business Daily article from 2004 noted the example of Anthem, another insurance company. They said the top five executives (not just the CEO) received an average of an 817 percent increase in compensation between 2000 and 2003. The CEO, for example, had his compensation go from $2.5 million to $25 million during that time period. About $21 million of that was in stock payouts, the article noted.

A 2006 article, “U.S. Health Insurance: More Market Domination, More CEO Compensation”
(hcrenewal.blogspot.com) notes that in 56 percent of 294 metropolitan areas one insurer “controls more than half the business in health maintenance organization and preferred provider networks underwriting." In addition to having the most enrollees, they also are the biggest purchasers of health care and set the price and coverage terms. “’The results is double-digit premium increases from 2001 and 2004—peaking with a 13.9 percent jump in 2003—soaring well above inflation and wages increases.’" Where is all that money going? The article quotes a Wall Street Journal article looking at the compensation of the CEO of UnitedHealth Group. His salary and bonus is $8 million annually. He has benefits such as the use of a private jet. He has stock-option fortunes worth $1.6 billion."
--Save America, Save the World by Cassandra Nathan pp. 127-128
Your question contains a logical fallacy.

Those people who think health care is a right tend to believe that out of duty to their common man. If we all live, we will get sick at some point.

There are, however, plenty of other good modes of transportation besides automobiles. If we all live, all will not get into a car accident.

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