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Abusive high interest rates offered to high-risk borrowers who are most likely to default. Does the lender suggest a loan because of "bad credit or no credit?" To qualify for the lowest loan costs, borrowers earn low interest rates with good credit histories. Stay clear of dealers and lenders who promise to put you behind the wheel regardless of your credit..TSCL understands that some changes to Medicare may be necessary to secure the long-term future of the program. However, we strongly believe that any changes should be phased in gradually and should not affect those nearing retirement. In addition, TSCL believes that the government must increase its efforts to combat Medicare fraud a growing issue that costs between billion and billion each year..But those "extraordinary measures" can only last so long. Without congressional action, the Treasury Department will run out of borrowing authority in just a few months and it won't have the funds needed to pay the country's bills including Social Security benefits and Medicare reimbursements..It's about time. At the time of its passage, the Affordable Care Act, was labeled a "Medicare" tax and sold to the public that way. Now it is needed by the Medicare Part A Hospital Insurance Trust Fund. Part A is less than five years from insolvency and faces an estimated 5 billion funding gap over the next ten years. The Joint Committee on Taxation estimates that this tax will raise approximately .5 billion in revenue in 2021 alone..Upon introducing the bill, Sen. Brown said, "For many Americans, Social Security benefits are the foundation of their retirement security. But many of our public sector workers like teachers and first-responders have seen their benefits reduced for years because of unfair laws that target them … These workers have taught our children and kept our communities safe. It's time they receive equal treatment under Social Security law.".In real terms, if a household heating oil tank holds 400 gallons, a fill up in 2000 cost 0. That was slightly more than half the average monthly Social Security benefit of 6 in 2000. The householder still had 6 left to buy groceries and pay for prescriptions. In 2013, the same fill-up cost ,600 - almost 40 percent more than the average monthly benefit of ,14The householder had to take 3 from savings, a line of credit, or another income source to cover the balance of the fill-up..When it comes to strengthening Social Security's finances, Members of Congress only have two choices - to cut spending on benefits, or increase program revenues. Typically in the past, the focus has been on proposals that would cut benefits rather than raising revenues. Proponents of cuts argue that benefits must be cut because Social Security is insolvent as currently structured. They point to the fact that there are fewer workers to provide payroll tax revenues for swelling number of retirees..Senator Bernie Sanders introduced S. 99 on January 10, 201It has since been referred to the Committee on Finance..The people who are not covered by hold harmless include higher income beneficiaries, beneficiaries who have not started Social Security yet and who pay for Medicare by check, and about 19% of beneficiaries whose incomes are so low that their state Medicaid program pays their Medicare Part B premiums on their behalf.