The move was spearheaded by Democratic House Speaker Robert A DeLeo who claimed it would save cities and the state millions of dollars.

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Of course, our enthusiasm for the policy was dampened by the fact that the credit went to many higher income families who would save much or all of it, rather than spend it and boost our then struggling economy.

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It would help millions of homeowners who make their payments on time save hundreds of dollars a month, and it can broaden the impact building off this settlement.

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But again, I will cite the Speaker of the House who said recently that a budget shutdown would cost more than it would save.

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Second, preventative medicine gives people better lives and prevents illnesses, but it doesn't save money--because patients who would never have been treated before will still opt to pop pills or get screenings.

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