Great advice and so very true - but I would add that unless your time is spent on the things in life that truly matter - those that will have a "forever" impact and consequence, then you really haven't lived at all - you are just getting by - we will never truly master time - time is our master - and it will, in time, master us!
I don't understand why the government hasn't fixed this problem. It's an easy fix. Any medical provider who wishes to participate in MEDICARE should be required to wait for claims to be verified before they are paid out. The Department of Justice can put 10,000 people in prison a month for medicare fraud and it won't fix the problem. The government is trying to cure cancer by prescribing an aspirin!