The Best Segment i have ever watched for perspective on America since 1947 and the creation of the CIA. I referenced this in my book as the start of the problems in our modern republic. Well Worth your Time. This should be taught in schools. https://www.youtube.com/watch?v=Ks0l_Zpt1xA

USAA Punished for it Claims Handling Punitive Damages Should be Awarded With Caution and Within Narrow Limits Read the full article at https://www.linkedin.com/pulse/usaa-punished-claims-handling-barry-zalma-esq-cfe-nbp2c, see the full video at and at and at https://zalma.com/blog plus more than 4950 posts. Posted on December 19, 2024 by Barry Zalma DISPUTE OVER HURRICANE DAMAGES RESULTS IN MAJOR PUNITIVE DAMAGES FOR BAD FAITH Although he Mississippi Supreme Court recognized the need to only award punitive damages with caution and within narrow limits, it did not limit its award in accordance with that maxim. After almost 19 years of litigation the last appeal resolved the various disputes. FACTS Hurricane Katrina destroyed Paul and Sylvia Minor’s home on August 29, 2005. The Minors had a homeowner’s insurance policy with United Services Automobile Association (USAA). The USAA policy covered damage caused by wind but excluded damage caused by storm surge or flood. The Minors reported their loss with USAA, which resulted in a years-long coverage dispute. USAA ultimately issued payments for damage it concluded was caused by wind but not for damage it concluded was caused by storm surge or flood. The Minors maintained that they suffered a total loss caused by wind and demanded that USAA pay the policy limits. The case proceeded to trial in 2013, and the jury awarded the Minors $1,547,293.37 in compensatory damages. In United Services Automobile Association v. Estate Of Sylvia F. Minor, Kathryn Minor and Stephen Minor, No. 2023-CA-00049-SCT, Supreme Court of Mississippi, En Banc (December 5, 2024) resolved the bad faith claims. The issue was ultimately presented to a jury. The jury awarded the Minors $10,000,000 in punitive damages and $457,858.89 in extra-contractual damages (solely attorneys’ fees). USAA appealed, raising several assignments of error. Trial To establish its bad faith claim, the Minor Estate introduced various USAA documents, including (1) portions of the USAA underwriting file; (2) the confidential email regarding (a) the engineer’s March 2006 findings and (b) Bergstrom’s conclusion that USAA would be responsible for paying for all the windows and the contents in rooms with windows; and (3) USAA’s letter to the Minors in June 2006 indicating the majority of damage was due to flooding. Punitive Damages Punitive damages are considered an ‘extraordinary remedy’ and should be awarded ‘with caution and within narrow limits.'” The Supreme Court found that the evidence presented at trial demonstrates a type of conduct for which punitive damages were designed. The Minor Estate provided sufficient proof that USAA acted in bad faith, with complete disregard for the Estate’s rights. Whether The $10 Million Punitive Damages Award Should Be Reversed Or, Alternatively, Reduced. USAA alternatively argues that the $10 million verdict should be reduced because it claims that the damages award is a 22:1 ratio and therefore unconstitutionally disproportionate to the extra-contractual damages awarded ($457,858.89). USAA relies on State Farm Mutual Auto Insurance Co. v. Campbell, 538 U.S. 408, 425, 123 S.Ct. 1513, 1524, 155 L.Ed.2d 585 (2003), which states that “[s]ingle-digit multipliers are more likely to comport with due process.” USAA argued that a 1:1 ratio should apply to the damages award here. The Supreme Court found that punitive damages is less than seven times the amount of compensatory damages, which it concluded clearly falls within the guideline provided in Campbell. A punitive damages award not only serves as a deterrent, it also compensates the plaintiff for its public service in bringing the action. The Supreme Court found the trial court’s decision to force the Minor Estate to use nearly half of its award to pay attorneys’ fees does not adequately compensate the Estate for bringing this action against USAA for its bad faith conduct in handling the Minors’ insurance claim from 2005. Therefore, the Supreme Court concluded that the trial court erred by denying the Estate’s post-trial motion for attorneys’ fees. CONCLUSION In sum, the trial judge did not err as a matter of law by submitting the issue of punitive damages to jury, and the $10 million award of punitive damages is not unconstitutionally disproportionate. The Supreme Court affirmed the jury verdict awarding the Minor Estate $10 million in punitive damages and $457,858.89 in extra-contractual damages as to attorneys’ fees and reverse the judgment of the trial court and render attorneys’ fees on behalf of the Estate in the amount of $4,500,000, plus post-judgment interest at an annual rate of 4 percent from October 3, 2022, the date of judgment, until paid. ZALMA OPINION This case that dragged on through the courts of Mississippi for 19 years and resulted in compensatory damages based upon an interpretation finding coverage for the estate and that the insurer’s conduct was so egregious that the estate was entitled to tort damages plus punitive damages many times more than the compensatory damages. The Supreme Court astonishingly concluded that punitive damages were not limited to punishing the insurer but were payment to the estate for its action on behalf of everyone in the state of Mississippi and that they should not be required to pay their lawyers but that payment should come from the insurer as part of its punishment. The Supreme Court ignored the fact that as a result the estate must pay income taxes on the punishment damages since they are not designed to make the insured whole and punished each member and insured of USAA. In my opinion it’s time the courts of the USA do away with the tort of bad faith to avoid excessive judgments and allow contract disputes to be enlarged into a major amount of punishment for an insurer who rejected a claim based on interpretation of contract terms and the facts of a loss, like this case. In that regard see my book, It’s Time to Abolish The Tort of Bad Faith Available as a paperback here. Available as a Kindle book here. (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

Books can profoundly change one's perspective on life by opening up new worlds of thought, offering unique insights into human nature, and challenging preconceived notions. Here’s how they might do this: Exposure to Different Cultures and Experiences Books provide a window into lives vastly different from our own. Reading about diverse cultures, traditions, and experiences can foster empathy and broaden our understanding of the world. Philosophical and Ethical Reflections Works like those of Plato, Nietzsche, or modern thinkers often question our beliefs and values, prompting introspection about what truly matters in life. Emotional Resonance and Connection Fictional stories allow readers to connect deeply with characters, making us more aware of the complexities of emotions and relationships. Practical Wisdom and Skills Non-fiction books offer actionable insights on topics ranging from self-improvement to history, science, and psychology, which can reshape priorities or habits. Inspiration and Motivation Memoirs or stories of resilience (e.g., Viktor Frankl’s Man’s Search for Meaning) can inspire people to overcome their struggles or live with greater purpose. Challenge to Worldviews Books that confront controversial or unfamiliar topics can spark critical thinking, encouraging readers to question their beliefs or biases.

Everything Needed by the Insurance Claims Professional from Barry Zalma The Insurance Claims Library Barry Zalma Dec 17, 2024 https://zalma.com/blog/insurance-claims-library/ Over the last 57 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the Insurance Claims Library of books and other materials to make it possible for insurers and their claims staff to become insurance claims professionals. All of the books are available at the insurance claims library with links to Amazon or the publishers.

Spotify´s View for upcoming expansion Almost a decade old, Spotify aims to take the music and entertainment industry even further with every incremental step it takes each day as the dominant music streaming platform. Per innovation and UX, the company has defined a few core tenets on what will enable future growth. For more information: https://open.spotify.com/ Increasing Content offerings Spotify said it will diversify the content it has on offer apart from music. To create a complete audio world with audio for podcasts, audiobooks and exclusive live events the platform envisions. This will bring in a larger crowd and increase user interaction. Enter the Global Market Spotify is trying to grow in emerging markets around the globe. So in order to capture new users in areas with rising internet access and smartphone penetration, the company is moving based on localizing its content and giving various versions of the platform. Strategic Partnerships Spotify needs artists, brands & tech companies to do this Spotify's Growth Play Spotify's partnership with top-tier creators and the streaming of music via smart devices is the only way ahead — enhance its discoverability and accessibility, scale to more potential listeners. Investment in Innovation The health of technology and research is fundamental for the future Spotify. The company is exploring the new audio capabilities, UI layer and interactive components to compete against competitors and adapt to changing needs of consumers. Spotify, in summary has smartly focused itself on increasing content from a content-per-sender perspective, depth / intensity of personalization, market expansion & partnerships and innovation, which makes the company very poised for further growth in this continuously evolving entertainment ecosystem. #SEO #Spotify #Stock #Music

12/19 LAST DAY! Now we are spinning off meye money EMPIRES and getting to 0 headcount, or as close to 0 as possible to accommodate the vast potential of AI. Example, a new entity being created and you can invest through https://www.paypal.com this NEW ENTITY is a FINTECH company that will specialize in neural networks that analyze economic press releases of central banks, for example https://www.cnbc.com/2024/12/17/us-treasurys-investors-look-to-economic-data-fed-rate-decision.html https://fred.stlouisfed.org/releases/calendar https://www.perplexity.ai/spaces t.ly/0rKAh t.ly/4DPRg https://community.wolfram.com/content?curTag=machine%20learning new mega player! https://www.piie.com/experts/senior-research-staff/adam-s-posen open+ 2hrs here https://mobimatter.com/blog/the-best-sports-bars-across-europe at 7 30am https://www.texasmonthly.com/travel/the-40-best-small-town-cafes/ https://boston.eater.com/maps/best-cafes-boston https://newyorkspork.com/best-coffee-nyc/ https://www.rebasplace.com/ 5-7pm https://rira.com/ https://www.fiftygrande.com/americas-essential-irish-pubs/ if OPEN YES https://www.theworlds50best.com/asia/en/list/1-50 https://www.paypal.com/us/hom This new entity is being lead by: https://rocketreach.co/carlo-zola-email_30447361 https://clustrmaps.com/person/Lindeman-8velle https://rocketreach.co/lorraine-bauer-email_43689863 https://rocketreach.co/steven-schneider-email_3045623 https://contactout.com/Kevin-Greene-83760898 https://pitchbook.com/profiles/person/36757-72P#overview https://www.franklintempleton.com/profiles/katrina-dudley https://rocketreach.co/brett-jackson-email_3045622 https://www.fastpeoplesearch.com/shauna-arata_id_G-5829685766076886043 https://www.whitepages.com/name/Charles-H-Choi/Oakton-VA/P63Ga4qBzr9 https://www.linkedin.com/in/jaymarkwood --- https://www.chatsworthgroup.com/contact-us/

FIRST LET ME SAY I DON'T BELIEVE IN ALIENS.. THAT SAID: WATCH PROJECT BLUE BOOK ON THE HISTORY CHANNEL. VERY INTERESTING...

Luigi Mangione, 26, was charged with the murder of UnitedHealthcare CEO Brian Thompson. >>>> https://www.facebook.com/reel/1103228227538920

US PROMOTES FREE SPEECH ABROAD WHILE USING NGOS TO CENSOR INFORMATION AT HOME. #Trump and every other political #Parasite are lying sacks of feces! They WANT Censorship in violation of the Constitution! Not Trump SAYS he wants Free Speech... Right up until you speak #Truth about a #Jew! THEN he wants you sent to PRISON! Because HE is a Jew! And on top of that, he wants our #Criminal filled #Police Departments to be MORE "ABOVE THE LAW" than they already are! Bullshit! Police have no more rights than ANY other American! And it is time to toss "Qualified Immunity" AND time to ENFORCE FEDERAL LAW... Namely TITLE 18 U.S.C. § 241 & 18 U.S.C. § 242! These are laws on the books to hold government accountable! PROSECUTORS are criminal and complicit, so THE PEOPLE need to convene a grand jury THEMSELVES and see that criminal Police are held accountable (Along with Prosecutors who fail to uphold these statutes) It's up to YOU to hold the criminals in government accountable! They are not going to do it themselves! https://old.bitchute.com/video/8KO9xuqOkxDu/

THIS HAS GOT TO BE STOPPED NOW... NOW THEY ARE ADVERTISING THESE CHILDREN ON FACE BOOK... THIS IS WHY 300,0000 OF THEM ARE MISSING AFTER CROSSING THE BORDER... https://www.compassion.com/