Ralph Gorgoglione

Good News!

I am hearing that FHA Spot Approvals for condos will continue until December 7, 2009 instead of the discontinuance date of November 1st.

I suspect FHA is attempting to develop their procedures for actual FHA approvals for condos. That means that case numbers have to be ordered before December 7th.

Basically, an appraisal has to be ordered in order to obtain a case number.

We'll see what develops...........

This contest portion is open only to my clients, both current and past. But anyone can feel free to post your ideas.

Share some of your best ideas for others to see regarding some great home improvement ideas you have, or home improvement projects that you've done on your home that you think people may find interesting.

Here are the rules:

1. You need to post your ideas or project as a comment to this blog post that I've created. Photos are a big plus and make your blog post stand out.
   
2. In addition to posting your home improvement idea, you need to make comments on at least 2 other of my blog postings at www.homechitchat.com
   
3. Your home improvement idea post and 2 additional posts must be completed no later than midnight, November 8th.

GOOD LUCK!!

WWW.HOMECHITCHAT.COM

My partner Richard and I have a series of ongoing video discussions with Nancy Everett of Home Services Lending.

This last one was a discussion about requiring buyers to double-app with the listing agents preferred lender.

We discussed the issues from both the buyer and seller sides and some pretty interesting points came up.

Give it a glance when you have a chance (it's about 13 minutes):

Requiring buyers to double-app: views from both buyer and seller side from Ralph Gorgoglione on Vimeo.

I just got through speaking to someone who works for a health care insurance provider.

One of the biggest problems is the whole denial of coverage after a claim has been submitted.

The issue is that when an application for insurance is submitted to a provider, they pretty much put the application through and start the policy.

Then, should you become ill, IT'S AT THAT POINT THAT THEY REVIEW YOUR APPLICATIONS AND HISTORY FORMS SUBMITTED TO PHYSICIANS.

So in other words, THEY DON'T WANT TO KNOW ABOUT PRE-EXISTING CONDITIONS AT THE TIME YOU SIGN UP TO PAY YOUR MONTHLY POLICY. Because that would prohibit them from taking your money!!!

What this means is they want to take your money, then if and when you submit a claim, then they'll review your file.

THIS IS WRONG AND PART OF THE REASON WE NEED HEALTH CARE REFORM NOW.

Someone deserves the right to know if their application for insurance is being denied at the time they apply for it. At least this way, the applicant can go to provider "B" to try and get insurance, or if there is something they forgot to disclose, they will have the opportunity to do so with provider "B".

Now that we as a people are studying the situation, it's stuff like this and more that is shedding light on just how unethical and borderline criminal the health care providers are.

THEY MAKE MONEY ON KEEPING YOU SICK, NOT ON MAKING YOU BETTER!!

WellPoint, the nation's largest insurance company made over 2.5 Billion in profits last year. Now, WellPoint's affiliate, Anthem Blue Cross and Blue Shield, is suing the state of Maine for refusing to guarantee it a profit margin.

Taking people's premium money, and then denying them insurance claims for medical treatment.

A health insurance policy is a purchase. In any business, changing the terms after the purchase agreement is deemed as breach of contract.

Please tell me how ANYONE can be worth paying $9.8 million dollars per year as a CEO of ANYTHING?!!