Top 10 INSIDIOUS PLOTS cooked up by the Democrats over the past 4 years. Yes, the Democrats aim was to wipe out the middle class of America. That is one of the main goals of the plandemic, including the crippling of the supply chain, massive inflation, shortage of goods, health atrocities caused by the Covid clot shots, and the mass-importation of fentanyl to kill off millions of Americans who use street drugs. Yes, Planned Parenthood is a racist organization intent on wiping most Black babies off the face of the earth before they ever even exit the womb. This has been the plan since its inception, just take a look at history for the shocking truth. https://www.newstarget.com/2024-12-20-10-insidious-plots-cooked-up-by-the-democrats-past-4-years.html

How Do We Escape the Panopticon? Since their inceptions, companies like Facebook and Google have received funding from the government to build and deploy the technology that sucks up our data. Allowing the awful chimera of public-private partnerships to control our communications has been our undoing. To note an important example, Palantir Technologies, founded by Peter Thiel, is a creation of the Central Intelligence Agency. Palantir works on top of the infrastructure created by Alphabet and Meta and gathers online activity in order to profile every U.S. citizen. Democracy in the U.S. has undergone an existential crisis, in large part due to the fact that no one has any privacy on the Internet and all of our scraped data is centrally controlled by a few actors. Citizens are both censored and afraid to speak. https://off-guardian.org/2024/12/19/how-do-we-escape-the-panopticon/

Intent to Move is not a Residence Residence Premises Requires the Insured to Live in Residence Post 4944 Read the full article at https://www.linkedin.com/pulse/intent-move-residence-barry-zalma-esq-cfe-qmlxc, see the full video at and at and at https://zalma.com/blog plus more than 4900 posts. In Paul Villalobos v. Clear Blue Insurance Company, No. 24-20125, United States Court of Appeals, Fifth Circuit (December 10, 2024) the the Fifth Circuit affirmed the district court’s dismissa of Plaintiff-Appellant Paul Villalobos’s breach of contract claim following a coverage dispute between himself and his insurer, Clear Blue Insurance Company, because he admitted he did not live in the insured premises. FACTS Villalobos is named on a Clear Blue homeowners’ policy, which provides coverage for property located at 7503 Muirwood Lane in Houston, Texas (the “Property”). The policy’s “Property Coverages” section states in pertinent part: “We cover . . . [t]he dwelling on the ‘residence premises’ shown in the Declarations.” The policy defines “residence premises,” also in pertinent part, as “[t]he one-family dwelling where you reside . . . on the inception date of the policy period shown in the Declarations.” The Declarations page lists Villalobos as the insured, his mailing address as the Property, and the inception date as September 21, 2021. In mid-November 2021, Villalobos reported to Clear Blue that wind and hail had damaged the Property’s roof earlier that month. Clear Blue denied coverage after Villalobos admitted he lived in Colorado and had never resided at the Property. Villalobos sued Clear Blue, alleging breach of contract, breach of the duty of good faith and fair dealing, violations of the Texas Deceptive Trade Practices Act and the Texas Insurance Code, fraud, and ongoing conspiracy to commit illegal acts. ANALYSIS During his deposition, Villalobos testified that he lived in Colorado for over nine years and did not reside at the Property when the Clear Blue policy went into effect. Clear Blue moved for summary judgment on Villalobos’s claims, arguing there was no insurance coverage for Villalobos’s property damage as a matter of law. Applying Louisiana law, the Fifth Circuit has previously determined that an identical residence requirement in a homeowners’ insurance policy required “more than purchasing a home or intending to move into it.” GeoVera Specialty Ins. Co. v. Joachin, 964 F.3d 390, 393 (5th Cir. 2020). Applying Joachin the Fifth Circuit agreed with the district court that the Property did not satisfy the policy’s residence requirement and was not a covered “residence premises” because: it is undisputed that Villalobos did not reside on the Property on the inception date of the Clear Blue policy; and Villalobos’s only material argument on appeal is that he intended to move onto the Property. Joachin held that “intending to move” is not enough. The Fifth Circuit concluded that there is no coverage under the policy. Accordingly, Villalobos’s breach of contract claim failed and the USDC’s judgment was affirmed. ZALMA OPINION That something as obvious as a home in Texas cannot be the residence premises of a person who lives full time in Colorado. Insurers issue property insurance policies providing coverage similar to a homeowners policy to the owner of a rental property while a homeowners policy limits coverage to the person who actually resides at the property. That this case went to the Fifth Circuit was the waste of Plaintiff’s time and money, the waste of the time of the trial court, and the waste of the time of the Fifth Circuit who rendered a concise and clear opinion. A less kind judge or appellate court would have imposed sanctions on the party plaintiff and his counsel. (c) 2024 Barry Zalma & ClaimSchool, Inc. Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos. Subscribe to my substack at https://barryzalma.substack.com/subscribe Go to X @bzalma; Go to Newsbreak.com https://www.newsbreak.com/@c/1653419?s=01; Go to Barry Zalma videos at Rumble.com at https://rumble.com/account/content?type=all; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg Go to the Insurance Claims Library – https://lnkd.in/gwEYk

Declaring a Policy Void When a Policy Is Void For Subscribers to Excellence in Claims Handling You can Subscribe for only $5 a month to Excellence in Claims Handling at https://barryzalma.substack.com/subscribe A small portion of what was provided to subscribers. In almost every policy of insurance, there is a clause declaring the policy void if the insured misrepresents or conceals material facts or commits fraud. For example: We do not pay for bodily injury or property damage which is expected by, directed by, or intended by an insured. This exclusion does not apply to bodily injury that arises out of the use of reasonable force to protect people or property. (AAIS Form BP-200, (c) 1987 AAIS). or: This Coverage Form is void in any case of fraud by you at any time as it relates to this Coverage Form. It is also void if you or any other “insured,” at any time, intentionally conceal or misrepresent a material fact concerning: a. This Coverage Form; b. The covered “auto”; c. Your interest in the covered “auto”; or d. A claim under this Coverage Form. (Insurance Services Office form CA 00 01 01 87). The policy wording requires that the insurer prove, not only that the insured misrepresented or concealed a material fact but must also prove that the insured did so with the intent to deceive. Absent the rare confession it is often difficult to prove intentional deceit. The insured will usually claim that he or she was mistaken and had no intent to deceive. In more than 50 years of investigation of fraudulent insurance claims I only once received from an insured an under oath statement that the insured intentionally deceived the insurer and then, not in person, but by correcting false testimony in the transcript of an examination under oath. If fraud or mutual mistake is an issue, insurers and insureds doing business in Oklahoma must resort to courts of general jurisdiction for a determination of contractual rights.[1] In Oklahoma, the Workers’ Compensation court does not have the right to rescind or declare a policy of Workers’ Compensation insurance void. However, where there is a misrepresentation with intent to deceive and the putative insured recognized the materiality of the misrepresentation the insurance policy is void from its inception.[2] In Florida, Florida Statutes (2006), state in pertinent part: any insurance fraud shall void all coverage arising from the claim related to such fraud under the personal injury protection coverage of the insured person who committed the fraud. In harmony with this statutory provision, the fraud provision in an insurance policy set forth: “any insurance fraud shall void all personal injury protection coverage arising from the claim with respect to the insured who committed the fraud” is appropriate and enforceable. [Bosem v. Commerce & Indus. Ins. Co., 35 So.3d 944 (Fla. App., 2010)]

Threat of WWIII is NOT Fear Porn – Steve Quayle https://rumble.com/v5evt5x-threat-of-wwiii-is-not-fear-porn-steve-quayle.html Renowned radio host, filmmaker, book author and archeological dig expert Steve Quayle is sounding the alarm on the increasing possibility of nuclear war between NATO and Russia. Quayle says, “The threat of nuclear war is not fear porn–it’s real.” Quayle is not alone because for the second year in a row, the Bulletin of the Atomic Scientists says, “A moment of historic danger: It is still 90 seconds to midnight. 2024 Doomsday Clock Statement.” Today’s escalation is caused by the fact that NATO is contemplating allowing Ukraine to fire long range missiles deep into Russia. Now, breaking news that the Biden Administration did give the go ahead to fire long range missiles into Russia from Ukraine. There is also this breaking headline from the Asian Times: “Biden, NATO effectively declaring war on Russia.” Quayle warns, “This is not a trial run, the Bay of Pigs or the Cuban missile crisis. This is World War III. . . .We are seeing people crazy or people demonically possessed, in my opinion, talking about launching western missiles, German, British or US missiles into Russia. The Russian Ambassador to the UN said on Friday (9/13/24), ‘If you do that, we will consider it an act of war against Russia, and all options are open to us, and none of your countries are safe.’ That’s the bottom line. All these years you warn ahead of time, and they mock you saying fear monger and fear porn. . . . Well, we are at the inception point for World War III. This will not be getting any better.” There have been nearly zero talks of peace in Ukraine, only requests for more weapons and more escalation with Russia. So, NATO is clearly wanting to start a world war. It’s not just Russia we will be fighting, but China, North Korea and Iran, too. Quayle says, “This is what is so pertinent about this show because, this weekend, everybody (NATO) is talking about giving President Zelensky (Ukraine) the okay to launch against Moscow, which will result in the thermal nuclear detonation of over 100 targets in the United States and another 100 targets plus in Europe. NATO Headquarters will be toast. D.C. will be toast. . . . The Bible has made this clear if God did not shorten the days for the elect, that’s the people who have accepted Jesus as Lord and Savior, there would be no flesh left alive. So, as we sit here podcasting, 250 million Americans are at risk.” Even if nuclear war does not break out and the world gets a reprieve for a while, the financial system will not be fixed. JPMorgan CEO Jamie Dimon is warning of something coming that is “worse than recession.” In simple terms, Quayle says, “Dimon is warning because the banks are in deep doo-doo. Last week, you may remember billionaire Warren Buffett started dumping Bank of America stock. . . . I am told that Buffett dumped, all told, up around $50 billion in BofA stock. . . . When Buffett does some like this, people notice and they followed suit. The banking stocks are in deadly peril. I have been in the precious metals business for 35 years, and we are now watching clients being blocked for sending wire transfers. I am talking about the biggest 5 or 6 banks because they are running short on cash. . . . At some point, they will cut off all credit cards. I don’t know when that will be, but eventually, they will be stopped. This is what my sources tell me is going to happen. The ‘when’ is up to God.”

"The rise in influence of the English parliament was not for the benefit of “we the people” but as a route for King Edward III to raise more money for his war with France. The older feudal customs originating organically from the community and Christianity were too restricting on power-hungry Monarchs. A mechanism was needed to bring about change (Parliament and legislation), but the people would never agree to such a thing, so the desired changes needed to be made “in their name.” They need representatives able to be successfully manipulated, as King Edward did when he made various concessions to Parliament so it would cooperate with his agenda. From its inception, the return of Roman ideas of the state has been used to manipulate and abuse the people. After experiencing the long-term effects of republics and representatives the 15th century Italian friar Girolamo Savonarola wrote “know that the only purpose of parliament is to snatch the sovereign power from the hands of the people.” https://www.thepostil.com/representation-and-written-constitutions-the-origins-of-freedom/

https://www.thegatewaypundit.com/2024/04/wicked-joe-biden-flew-90-illegals-secret-flight/?utm_source=rss&utm_medium=rss&utm_campaign=wicked-joe-biden-flew-90-illegals-secret-flight Wicked Joe Biden flew most of the illegal aliens in his secret migrant flight program to Florida and Texas – to punish the red states with a crushing amount of new illegal aliens. Biden sent 90% of the illegals in the secret flight program to Florida and Texas. At least 326,000 illegals in the program were flown into Florida. At least 21,964 illegals were flown into Houston, Texas. Biden is importing a crushing amount of illegal aliens into the red states to crash their social welfare system. Republican lawmakers are once again too weak to do anything about this purposeful destruction of America.Some 347,959 migrants allowed into the secretive system fly directly to airports in Florida and Texas, with Florida receiving the vast majority at 325,995, according to an analysis of U.S. Customs and Border Protection numbers by the Center for Immigration Studies. It is unclear how many of the immigrants fly on to other U.S. cities, though the government has said there are over 40 final destinations. “This early evidence suggests that a great many of these inadmissible alien passengers, probably a majority, initially land at international airports in Republican Gov. Ron DeSantis’s Florida,” said CIS, which reported that the program has let in 386,000 people since October 2022. “In fact, Florida turns out to be the top landing and U.S. customs processing zone for this direct-flights parole-and-release program, tallying at nearly 326,000 of the initial arrivals from inception through February.”

Pharma-Funded Fact Checkers Control the Internet - Dr Mercola https://rumble.com/v3r72o4-newsguard-fact-checkers-with-too-much-power.html Story at-a-glance NewsGuard is a for-profit fact checking organization backed by Big Pharma, Big Tech, the teachers union and the U.S. government NewsGuard has set itself up as the self-appointed global arbiter of what information is “trustworthy” based on nine “credibility and transparency” factors, for information viewed on private electronic devices, in schools and in public libraries. Its true reason for being, however, is to bankrupt alternative media sites by driving away advertisers In late October 2023, Consortium News sued NewsGuard and the U.S. government for defamation and First Amendment violations, arguing the fact checker colluded with U.S. intelligence to suppress foreign policy dissent NewsGuard labeled Consortium News as an “anti-U.S.” media organization, even though NewsGuard only took issue with six of its more than 20,000 articles and none of its videos One of NewsGuard’s CEOs, Louis Gordon Crovitz, is a member of the Council on Foreign Relations (CFR), a key player behind The Great Reset. Since its inception, the CFR’s goal has been to undermine U.S. sovereignty and national independence in order to usher in an all-powerful one-world government In the video above, PragerU CEO Marissa Streit takes a look at NewsGuard, a for-profit fact checking organization backed by Big Pharma, Big Tech, the teachers union and the U.S. government. NewsGuard has set itself up as the self-appointed global arbiter of what information is "trustworthy" based on nine "credibility and transparency" factors, for information viewed on private electronic devices, in schools and in public libraries.1,2

Exposing The World Health Organization as a Criminal Cartel From Its Inception Over 100 Years Ago - David Martin has all the documented evidence to bring down this Global Criminal Cabal that is named the World Health Organization (WHO). The WHO announced their true mission in the late 1940s, which was population control. How does population control sound like Healthcare? Read Article: https://americanmediaperiscope.com/exposing-the-world-health-organization-as-a-criminal-organization/