To fact check myself. Not everybody under $200,000 will get $500 or $1000 refundable credit. The proposal phases it out from $150,000 to $200,000 so some would get partials.
In reading to support myself I found this which
explains the issue pretty well. I'm sure somebody will disagree but I generally find the fact checking at that site to be pretty non-partisan. If you want to find a list of statements where Obama really is wrong or distorting you'll find them listed there.
Leo, as to your last post. I am fine with that. Really I am. What gets under my skin (more than it should) is often that you simply post something that is a reiteration of what you've read at one of the prominent right-leaning blogs (not that you're the only one I frequently see things and say "ah, that must have just hit the front page at Drudge or Instapundit or MyDD or Daily Kos or something) and then rely on us to fact check you. Sometimes this only takes a few seconds and it is really annoying that you couldn't have just done that yourself.
It is much more interesting to debate fundamental philosophical decisions (is a $500 refundable payroll tax credit good policy) than issues of easily verifiable fact (what is the basis for Obama or McCain saying X).