• https://thewashingtonstandard.com/biden-harris-regime-pursues-lawsuits-to-hold-oil-gas-companies-liable-for-global-warming/
    https://thewashingtonstandard.com/biden-harris-regime-pursues-lawsuits-to-hold-oil-gas-companies-liable-for-global-warming/
    THEWASHINGTONSTANDARD.COM
    Biden-Harris Regime Pursues Lawsuits to Hold Oil & Gas Companies Liable for Global Warming - The Washington Standard
    What’s next? Is the Biden-Harris regime going to hold Luke liable for destroying the Death Star? Now that we’re holding people liable for fictions, the sky’s the limit, right? The Biden-Harris White House, as vengeful as Hitler when he ordered his rapidly repeating troops to burn Paris and destroy infrastructure ...
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  • 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
    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
    OPEN.SPOTIFY.COM
    Spotify - Web Player: Music for everyone
    Spotify is a digital music service that gives you access to millions of songs.
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  • Just finished a meeting with the International Longshoremen’s Association and its President, Harold Daggett, and Executive VP, Dennis Daggett. There has been a lot of discussion having to do with “automation” on United States docks. I’ve studied automation, and know just about everything there is to know about it. The amount of money saved is nowhere near the distress, hurt, and harm it causes for American Workers, in this case, our Longshoremen. Foreign companies have made a fortune in the U.S. by giving them access to our markets. They shouldn’t be looking for every last penny knowing how many families are hurt. They’ve got record profits, and I’d rather these foreign companies spend it on the great men and women on our docks, than machinery, which is expensive, and which will constantly have to be replaced. In the end, there’s no gain for them, and I hope that they will understand how important an issue this is for me. For the great privilege of accessing our markets, these foreign companies should hire our incredible American Workers, instead of laying them off, and sending those profits back to foreign countries. It is time to put AMERICA FIRST!

    Donald J. Trump
    Just finished a meeting with the International Longshoremen’s Association and its President, Harold Daggett, and Executive VP, Dennis Daggett. There has been a lot of discussion having to do with “automation” on United States docks. I’ve studied automation, and know just about everything there is to know about it. The amount of money saved is nowhere near the distress, hurt, and harm it causes for American Workers, in this case, our Longshoremen. Foreign companies have made a fortune in the U.S. by giving them access to our markets. They shouldn’t be looking for every last penny knowing how many families are hurt. They’ve got record profits, and I’d rather these foreign companies spend it on the great men and women on our docks, than machinery, which is expensive, and which will constantly have to be replaced. In the end, there’s no gain for them, and I hope that they will understand how important an issue this is for me. For the great privilege of accessing our markets, these foreign companies should hire our incredible American Workers, instead of laying them off, and sending those profits back to foreign countries. It is time to put AMERICA FIRST! Donald J. Trump
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  • Trump Team Will Recall CV19 Shots – Karen Kingston
    https://rumble.com/v5y4irw-trump-team-will-recall-cv19-shots-karen-kingston.html

    Karen Kingston is a biotech analyst and former Pfizer employee who is back with a prediction about the nightmare of the CV19 mRNA nanoparticle bioweapon vaccines. Kingston thinks the Trump team with HHS nominee Bobby Kennedy Jr. (RFK Jr.) will force a recall shortly after Trump is sworn into office. Last week, Trump and RFK Jr. had a meeting with the CEOs of Pfizer and Eli Lilly along with Big Pharma’s trade group. Kingston says, “What are the negotiating tools Trump has? He has many. The Covid 19 shots, Pfizer knew they could only poison, harm and kill. They are bioweapons and because of Pfizer’s contract that I have reviewed, it makes them liable. . . . Pfizer CEO Burla, Trump has him between a rock and a hard place. . . . Not only are they going to allow RFK Jr. to be confirmed . . .when RFK Jr. announces the Covid 19 shots must be recalled, Albert Burla and the CEO of Moderna and other companies are going to go along with a ‘voluntary recall’ of all the Covid 19 injections from the United States market and globally. This will happen within the first 100 days of the Trump Administration, if not much, much sooner.”

    Donald Trump is also pushing his America First agenda with Big Pharma. Kingston says, “At least 25% of key ingredients are coming from manufacturing partners in China. Who is one of the biggest manufacturing partners? WuXi Biologics, who directly works for and on behalf of the Peoples Republic of China and the Peoples Liberation Army. Trump is saying cut it out, we don’t want you collaborating with our enemies for key ingredients for drugs, pharmaceuticals and vaccines that are used in the United States. Who is WuXi Biologics’ number one manufacturing partner? Eli Lilly. Number two is likely Pfizer.”

    When they really start investigating what went wrong with the CV19 injections, Kingston says, “They will find millions of deaths. The number of adverse events, because it’s times 200 million people who had CV19 injected in America, it’s going to be in the billions. When you add up going to the doctor, going to the ICU, getting multiple diagnoses across various systems, you are going to see billions of adverse events.”

    The next front is the Bird Flu plandemic that is being planned and implemented right now. Kingston was one of the first to sound alarm on the “Bird Flu Genocide and Food Destruction” six weeks ago on USAWatchdog.com. Kingston warns about the Bird Flu vaccine laced with dangerous pathogens, more lies and hype to scare the public into taking the latest experimental and deadly Bird Flu shots, and the globalist plan to destroy the American food supply. Kingston says, “I hope Congress starts acting very quickly to shut down this H5N1 Bird Flu attack that will create a food shortage and a pandemic for the Trump Administration and RFK Jr. to inherit. This will just accelerate the World Health Organization’s and World Economic Forum’s goal to create a global government. They are taking out America. They are annihilating our food supply, and this needs to stop.”
    Trump Team Will Recall CV19 Shots – Karen Kingston https://rumble.com/v5y4irw-trump-team-will-recall-cv19-shots-karen-kingston.html Karen Kingston is a biotech analyst and former Pfizer employee who is back with a prediction about the nightmare of the CV19 mRNA nanoparticle bioweapon vaccines. Kingston thinks the Trump team with HHS nominee Bobby Kennedy Jr. (RFK Jr.) will force a recall shortly after Trump is sworn into office. Last week, Trump and RFK Jr. had a meeting with the CEOs of Pfizer and Eli Lilly along with Big Pharma’s trade group. Kingston says, “What are the negotiating tools Trump has? He has many. The Covid 19 shots, Pfizer knew they could only poison, harm and kill. They are bioweapons and because of Pfizer’s contract that I have reviewed, it makes them liable. . . . Pfizer CEO Burla, Trump has him between a rock and a hard place. . . . Not only are they going to allow RFK Jr. to be confirmed . . .when RFK Jr. announces the Covid 19 shots must be recalled, Albert Burla and the CEO of Moderna and other companies are going to go along with a ‘voluntary recall’ of all the Covid 19 injections from the United States market and globally. This will happen within the first 100 days of the Trump Administration, if not much, much sooner.” Donald Trump is also pushing his America First agenda with Big Pharma. Kingston says, “At least 25% of key ingredients are coming from manufacturing partners in China. Who is one of the biggest manufacturing partners? WuXi Biologics, who directly works for and on behalf of the Peoples Republic of China and the Peoples Liberation Army. Trump is saying cut it out, we don’t want you collaborating with our enemies for key ingredients for drugs, pharmaceuticals and vaccines that are used in the United States. Who is WuXi Biologics’ number one manufacturing partner? Eli Lilly. Number two is likely Pfizer.” When they really start investigating what went wrong with the CV19 injections, Kingston says, “They will find millions of deaths. The number of adverse events, because it’s times 200 million people who had CV19 injected in America, it’s going to be in the billions. When you add up going to the doctor, going to the ICU, getting multiple diagnoses across various systems, you are going to see billions of adverse events.” The next front is the Bird Flu plandemic that is being planned and implemented right now. Kingston was one of the first to sound alarm on the “Bird Flu Genocide and Food Destruction” six weeks ago on USAWatchdog.com. Kingston warns about the Bird Flu vaccine laced with dangerous pathogens, more lies and hype to scare the public into taking the latest experimental and deadly Bird Flu shots, and the globalist plan to destroy the American food supply. Kingston says, “I hope Congress starts acting very quickly to shut down this H5N1 Bird Flu attack that will create a food shortage and a pandemic for the Trump Administration and RFK Jr. to inherit. This will just accelerate the World Health Organization’s and World Economic Forum’s goal to create a global government. They are taking out America. They are annihilating our food supply, and this needs to stop.”
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  • Does anyone think that the few quantum computing companies, like MS and Google, are just in a race to break down the safety of bitcoin and the block chain so that they can justify a centralized system for crypto currency and the government inserting itself for a second time into our monetary system and further the over reach of rich mother fuckers controlling money generation and distribution? I believe so. The only way to break the decryption methods of bitcoin would require this.
    Does anyone think that the few quantum computing companies, like MS and Google, are just in a race to break down the safety of bitcoin and the block chain so that they can justify a centralized system for crypto currency and the government inserting itself for a second time into our monetary system and further the over reach of rich mother fuckers controlling money generation and distribution? I believe so. The only way to break the decryption methods of bitcoin would require this.
    Like
    1
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  • Why insurance companies prefer paintless dent repair for hail damage claims

    Today, we're diving into the benefits of paintless dent repair, also known as PDR, for dealing with hail damage and why insurance companies are big fans of this method.

    First off, PDR is a cost-efficient approach that saves on labor and materials, cutting down expenses compared to traditional repair methods. It's a streamlined process that avoids the need for repainting or replacing parts, making it quicker and more resource friendly. One key Advantage is how PDR preserves the original paint of your vehicle, keeping it in pristine condition and maintaining its resale value. By not having to repaint entire panels, you save money and ensure your car holds its worth over time. This technique is non-invasive, using specialized tools to massage dents out from the inside without affecting the structural Integrity of your vehicle. Insurance companies love PDR for its efficiency in restoring vehicles quickly, reducing claim costs and helping policy holders get back on the road faster. It's a win-win, as it not only saves money but also aligns with sustainable practices by cutting down on waste and carbon emissions. With PDR, you can ensure high quality repairs without the need for traditional bodywork, contributing to a greener automotive industry overall.

    Visit hail damage repair page here https://www.coloradopdr.com/hail-damage-repair-denver/
    Why insurance companies prefer paintless dent repair for hail damage claims Today, we're diving into the benefits of paintless dent repair, also known as PDR, for dealing with hail damage and why insurance companies are big fans of this method. First off, PDR is a cost-efficient approach that saves on labor and materials, cutting down expenses compared to traditional repair methods. It's a streamlined process that avoids the need for repainting or replacing parts, making it quicker and more resource friendly. One key Advantage is how PDR preserves the original paint of your vehicle, keeping it in pristine condition and maintaining its resale value. By not having to repaint entire panels, you save money and ensure your car holds its worth over time. This technique is non-invasive, using specialized tools to massage dents out from the inside without affecting the structural Integrity of your vehicle. Insurance companies love PDR for its efficiency in restoring vehicles quickly, reducing claim costs and helping policy holders get back on the road faster. It's a win-win, as it not only saves money but also aligns with sustainable practices by cutting down on waste and carbon emissions. With PDR, you can ensure high quality repairs without the need for traditional bodywork, contributing to a greener automotive industry overall. Visit hail damage repair page here https://www.coloradopdr.com/hail-damage-repair-denver/
    Like
    1
    0 Комментарии 0 Поделились 663 Просмотры
  • The Rise and Fall of Western Science.
    Pharmaceutical companies managed to convince American doctors that “chronic pain” is a problem that tens of millions of people suffer from. Through a combination of aggressive marketing and manipulated scientific studies, they created an addiction in millions of people to opioids (sold under the names OxyContin or Fentanyl), which they falsely claimed were “safe and effective,” and – above all – non-addictive. Tobacco companies – having lost the battle for lung cancer – used the accumulated capital to buy several food giants (for example, Kraft or General Foods). Their armies of scientists immediately went after the same goal as before, only in a different area: Over the following years, they developed hundreds of addictive substances that the companies started to add en masse to industrially processed food. Instead of a tobacco addiction, they plunged America into a “junk food” addiction.
    https://brownstone.org/articles/the-rise-and-fall-of-western-science/
    The Rise and Fall of Western Science. Pharmaceutical companies managed to convince American doctors that “chronic pain” is a problem that tens of millions of people suffer from. Through a combination of aggressive marketing and manipulated scientific studies, they created an addiction in millions of people to opioids (sold under the names OxyContin or Fentanyl), which they falsely claimed were “safe and effective,” and – above all – non-addictive. Tobacco companies – having lost the battle for lung cancer – used the accumulated capital to buy several food giants (for example, Kraft or General Foods). Their armies of scientists immediately went after the same goal as before, only in a different area: Over the following years, they developed hundreds of addictive substances that the companies started to add en masse to industrially processed food. Instead of a tobacco addiction, they plunged America into a “junk food” addiction. https://brownstone.org/articles/the-rise-and-fall-of-western-science/
    0 Комментарии 0 Поделились 550 Просмотры

  • Zalma's Insurance Fraud Letter - December 1, 2024

    ZIFL Volume 28 No. 22

    Post 4939

    Read the full article at Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdfand at https://zalma.com/blog.

    Subscribe to ZIFL at https://visitor.r20.constantcontact.com/manage/optin?v=001Gb86hroKqEYVdo-PWnMUkcitKvwMc3HNWiyrn6jw8ERzpnmgU_oNjTrm1U1YGZ7_ay4AZ7_mCLQBKsXokYWFyD_Xo_zMFYUMovVTCgTAs7liC1eR4LsDBrk2zBNDMBPp7Bq0VeAA-SNvk6xgrgl8dNR0BjCMTm_gE7bAycDEHwRXFAoyVjSABkXPPaG2Jb3SEvkeZXRXPDs%3D

    The Source for the Insurance Fraud Professional https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Zalma’s Insurance Fraud Letter (ZIFL) continues its 28th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is written by Barry Zalma. It is provided FREE to anyone who visits the site at http://zalma.com/zalmas-insurance-fraud-letter-2/ This issue contains the following articles about insurance fraud:

    The EUO is a Material Condition Precedent
    A Key Tool in the Effort to Reduce Fraud
    Claim Properly Denied for Refusal to Testify at EUO

    I spoke recently at the Conference of the Southern California Fraud Investigators Association on the Examination Under Oath as a tool to help insureds prove their losses and what happens when an insured fails or refuses to testify. This case emphasizes the purpose of my talk.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Thanksgiving Wishes from the Zalma Family

    My family and I have much to be thankful for this year. My first born daughter, Stephanie Zalma, continues to care for my wife 24 hours a day 7 days a week with love and patience as Thea continues as Nana to our two grandchildren and the loving mother of our three children.

    After receiving a new Aortic Heart Valve I am personally in good health, walking about 25 miles a week. Exercising my, apparently unusual mode of retirement, I work only six to eight hours a day doing what I love the most, writing about insurance, insurance claims, insurance law and acting as an insurance claims consultant and expert witness.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    More McClenny Moseley & Associates Issues

    This is ZIFL’s thirty eighth installment of the saga of McClenny, Moseley & Associates and its problems with the federal courts in the State of Louisiana and what appears to be an effort to profit from what some Magistrate and District judges may be criminal to profit from insurance claims relating to hurricane damage to the public of the state of Louisiana.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Ethical Behavior & Insurance

    Insurance, from the time of its first agreement to the present day has always been a business requiring ethical behavior between the insurer and the insured and between the insured and the insurer.

    The concept of ethical behavior refers to well-founded standards of right and wrong that prescribe what humans ought to do, usually in terms of rights, obligations, benefits to society, fairness, or specific virtues, all of which are essential to the lawyer.

    Ethics refers to those standards that impose the reasonable obligations to refrain from murder, rape, theft, assault, slander, and fraud. Ethical standards also include those that imply virtues of honesty, compassion, and loyalty.

    There are rights presumed to exist such as those described in the Declaration of Independence submitted to King George of England in 1776 that held:

    We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of happiness.

    The unalienable rights also include the right to life, the right to freedom from injury, and the right to liberty. Such standards are adequate standards of ethics because they are supported by consistent and well-founded reasons.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Health Insurance Fraud Convictions

    Michigan Woman Convicted of $1.4M Health Care Kickback Scheme

    Mary Smettler-Bolton, 71, of Oakland County, Michigan was convicted November 22, 2024 for her role in a conspiracy to defraud the United States and receive illegal health care kickbacks.

    According to court documents and evidence presented at trial, Mary referred Medicare beneficiaries to several Metro Detroit home health companies in exchange for hundreds of thousands of dollars in kickbacks paid by the owners and operators of the home health companies. Over the course of four years, she and her co-conspirators caused over $1.4 million of loss to Medicare.

    Smettler-Bolton was convicted of one count of conspiracy to defraud the United States and receive illegal health care kickbacks and one count of violating the federal Anti-Kickback Statute. She is scheduled to be sentenced on March 3, 2025, and faces a maximum penalty of five years in prison on the conspiracy count and a maximum penalty of 10 years in prison on the kickback count. A federal district court judge will determine any sentence after considering the U.S. Sentencing Guidelines and other statutory factors.

    Read the full article about dozens more convictions at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Convictions of Other Than Health Insurance Fraud

    Creative Fraudster Guilty of $229K Insurance Fraud Schemes

    Justin Mack, a native of Buffalo, New York, and a resident of Cleveland, Ohio, was sentenced on November 25, 2024 in the Cuyahoga County Court of Common Pleas. Mack, an Ohio man was sentenced to five years in prison and ordered to pay restitution for filing 24 fraudulent claims with multiple insurance companies, totaling more than $229,000.

    An extensive investigation uncovered Mack’s pattern of submitting altered documentation, falsified claims, and using other people’s identities to fraudulently secure payouts from multiple insurance companies.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    The Examination Under Oath Is Not Part of a Judicial Process

    Although the EUO is a formal proceeding it is not part of a judicial process nor is it subject to the rules set out by codes of civil procedure. There is no right to object to questions and never a judge present to rule on the objections. The testimony at the EUO is required to be presented in accordance with the obligation imposed on an insured to deal fairly and in good faith with the insurer.

    Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf

    Barry Zalma

    Barry Zalma, Inc., 4441 Sepulveda Boulevard, CULVER CITY CA 90230-4847, 310-390-4455. Subscribe to Excellence in Claims Handling at https://barryzalma.substack.com/welcome. Write to Mr. Zalma at [email protected]; https://www.zalma.com; https://zalma.com/blog. He publishes daily articles at https://zalma.substack.com, Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ to consider more than 50 volumes written by Barry Zalma on insurance and insurance claims handling.

    Go to Zalma’s Insurance Fraud Letter at https://zalma.com/zalmas-insurance-fraud-letter-2/; Go to X @bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ and GTTR at https://gettr.com/@zalma
    Zalma's Insurance Fraud Letter - December 1, 2024 ZIFL Volume 28 No. 22 Post 4939 Read the full article at Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdfand at https://zalma.com/blog. Subscribe to ZIFL at https://visitor.r20.constantcontact.com/manage/optin?v=001Gb86hroKqEYVdo-PWnMUkcitKvwMc3HNWiyrn6jw8ERzpnmgU_oNjTrm1U1YGZ7_ay4AZ7_mCLQBKsXokYWFyD_Xo_zMFYUMovVTCgTAs7liC1eR4LsDBrk2zBNDMBPp7Bq0VeAA-SNvk6xgrgl8dNR0BjCMTm_gE7bAycDEHwRXFAoyVjSABkXPPaG2Jb3SEvkeZXRXPDs%3D The Source for the Insurance Fraud Professional https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Zalma’s Insurance Fraud Letter (ZIFL) continues its 28th year of publication dedicated to those involved in reducing the effect of insurance fraud. ZIFL is published 24 times a year by ClaimSchool and is written by Barry Zalma. It is provided FREE to anyone who visits the site at http://zalma.com/zalmas-insurance-fraud-letter-2/ This issue contains the following articles about insurance fraud: The EUO is a Material Condition Precedent A Key Tool in the Effort to Reduce Fraud Claim Properly Denied for Refusal to Testify at EUO I spoke recently at the Conference of the Southern California Fraud Investigators Association on the Examination Under Oath as a tool to help insureds prove their losses and what happens when an insured fails or refuses to testify. This case emphasizes the purpose of my talk. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Thanksgiving Wishes from the Zalma Family My family and I have much to be thankful for this year. My first born daughter, Stephanie Zalma, continues to care for my wife 24 hours a day 7 days a week with love and patience as Thea continues as Nana to our two grandchildren and the loving mother of our three children. After receiving a new Aortic Heart Valve I am personally in good health, walking about 25 miles a week. Exercising my, apparently unusual mode of retirement, I work only six to eight hours a day doing what I love the most, writing about insurance, insurance claims, insurance law and acting as an insurance claims consultant and expert witness. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf More McClenny Moseley & Associates Issues This is ZIFL’s thirty eighth installment of the saga of McClenny, Moseley & Associates and its problems with the federal courts in the State of Louisiana and what appears to be an effort to profit from what some Magistrate and District judges may be criminal to profit from insurance claims relating to hurricane damage to the public of the state of Louisiana. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Ethical Behavior & Insurance Insurance, from the time of its first agreement to the present day has always been a business requiring ethical behavior between the insurer and the insured and between the insured and the insurer. The concept of ethical behavior refers to well-founded standards of right and wrong that prescribe what humans ought to do, usually in terms of rights, obligations, benefits to society, fairness, or specific virtues, all of which are essential to the lawyer. Ethics refers to those standards that impose the reasonable obligations to refrain from murder, rape, theft, assault, slander, and fraud. Ethical standards also include those that imply virtues of honesty, compassion, and loyalty. There are rights presumed to exist such as those described in the Declaration of Independence submitted to King George of England in 1776 that held: We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of happiness. The unalienable rights also include the right to life, the right to freedom from injury, and the right to liberty. Such standards are adequate standards of ethics because they are supported by consistent and well-founded reasons. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Health Insurance Fraud Convictions Michigan Woman Convicted of $1.4M Health Care Kickback Scheme Mary Smettler-Bolton, 71, of Oakland County, Michigan was convicted November 22, 2024 for her role in a conspiracy to defraud the United States and receive illegal health care kickbacks. According to court documents and evidence presented at trial, Mary referred Medicare beneficiaries to several Metro Detroit home health companies in exchange for hundreds of thousands of dollars in kickbacks paid by the owners and operators of the home health companies. Over the course of four years, she and her co-conspirators caused over $1.4 million of loss to Medicare. Smettler-Bolton was convicted of one count of conspiracy to defraud the United States and receive illegal health care kickbacks and one count of violating the federal Anti-Kickback Statute. She is scheduled to be sentenced on March 3, 2025, and faces a maximum penalty of five years in prison on the conspiracy count and a maximum penalty of 10 years in prison on the kickback count. A federal district court judge will determine any sentence after considering the U.S. Sentencing Guidelines and other statutory factors. Read the full article about dozens more convictions at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Convictions of Other Than Health Insurance Fraud Creative Fraudster Guilty of $229K Insurance Fraud Schemes Justin Mack, a native of Buffalo, New York, and a resident of Cleveland, Ohio, was sentenced on November 25, 2024 in the Cuyahoga County Court of Common Pleas. Mack, an Ohio man was sentenced to five years in prison and ordered to pay restitution for filing 24 fraudulent claims with multiple insurance companies, totaling more than $229,000. An extensive investigation uncovered Mack’s pattern of submitting altered documentation, falsified claims, and using other people’s identities to fraudulently secure payouts from multiple insurance companies. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf The Examination Under Oath Is Not Part of a Judicial Process Although the EUO is a formal proceeding it is not part of a judicial process nor is it subject to the rules set out by codes of civil procedure. There is no right to object to questions and never a judge present to rule on the objections. The testimony at the EUO is required to be presented in accordance with the obligation imposed on an insured to deal fairly and in good faith with the insurer. Read the full article at https://zalma.com/blog/wp-content/uploads/2024/12/ZIFL-12-01-2024.pdf Barry Zalma Barry Zalma, Inc., 4441 Sepulveda Boulevard, CULVER CITY CA 90230-4847, 310-390-4455. Subscribe to Excellence in Claims Handling at https://barryzalma.substack.com/welcome. Write to Mr. Zalma at [email protected]; https://www.zalma.com; https://zalma.com/blog. He publishes daily articles at https://zalma.substack.com, Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ to consider more than 50 volumes written by Barry Zalma on insurance and insurance claims handling. Go to Zalma’s Insurance Fraud Letter at https://zalma.com/zalmas-insurance-fraud-letter-2/; Go to X @bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ and GTTR at https://gettr.com/@zalma
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  • TUCKER CARLSON: PFIZER NEEDS TO BE SUED FOR WHAT THEY'VE DONE TO HUMANITY | REDACTED NEWS

    Well sure, immunity for these #Criminals is a criminally negligent act of "government"
    But you need to understand.... THIS PARTICULAR #GENOCIDE JAB was produced for the #DOD the #DepartmentOfDefense

    That is correct, the "United States Government" created this WEAPON!
    And the #Corporation of the United States and it's DOD employees need to be held accountable for their personal genocide!

    The DOD hired these bio-tech companies to produce their "#Vaccine" DEATH JABS
    Which are not vaccines, but weapons! They hired out production of these weapons, gave the people producing them immunity, and killed an awful lot of people!

    If no Justice is served here, which it won't be, it perfectly illustrates the criminal nature of what you call "government" (And I call an #Evil Corporation)

    https://old.bitchute.com/video/Fvw82zCKm18q/
    TUCKER CARLSON: PFIZER NEEDS TO BE SUED FOR WHAT THEY'VE DONE TO HUMANITY | REDACTED NEWS Well sure, immunity for these #Criminals is a criminally negligent act of "government" But you need to understand.... THIS PARTICULAR #GENOCIDE JAB was produced for the #DOD the #DepartmentOfDefense That is correct, the "United States Government" created this WEAPON! And the #Corporation of the United States and it's DOD employees need to be held accountable for their personal genocide! The DOD hired these bio-tech companies to produce their "#Vaccine" DEATH JABS Which are not vaccines, but weapons! They hired out production of these weapons, gave the people producing them immunity, and killed an awful lot of people! If no Justice is served here, which it won't be, it perfectly illustrates the criminal nature of what you call "government" (And I call an #Evil Corporation) https://old.bitchute.com/video/Fvw82zCKm18q/
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  • Food Companies Are Making Us SICK And Miserable

    https://www.youtube.com/watch?v=WOpyPHKNR8Q
    🔴 Food Companies Are Making Us SICK And Miserable https://www.youtube.com/watch?v=WOpyPHKNR8Q
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    1
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