Chutzpah – STOLI Fraudster Claims Hardship Felon Seeks Release from Home Confinement in Luxury Apartment in New York City Post 4931 Read the full article at https://www.linkedin.com/pulse/chutzpah-stoli-fraudster-claims-hardship-barry-zalma-esq-cfe-8jbhc, see the full video at and at and https://zalma.com/blog plus more than 4900 posts. Insurance Fraud is a serious crime, especially when it takes advantage of the elderly to defraud insurers in a Stranger Originated Life Insurance (STOLI) scheme. In United States Of America v. Michael Binday, No. 12 CR 152 (CM), United States District Court, S.D. New York (November 4, 2024) the defendant continued to use the wealth he gained from his fraud to impose on the courts of the United States with frivolous and unfounded motions. BACKGROUND Michael Binday was sentenced to 144 months’ imprisonment after being found guilty of conspiracy to commit mail and wire fraud, as well as actual mail and wire fraud. The evidence at trial established that Binday led his codefendants in a scheme designed to procure “stranger-originated life insurance” (or “STOLI”) policies-policies on the lives of seniors for the benefit of investors who were strangers to them- by means of fraudulent applications. Binday spent the first five years of his sentence at FCI Otisville. But in September 2021, during the height of the COVID-19 Pandemic, the Bureau of Prisons released Binday to serve his sentence on home confinement. Thus, Binday has spent the last three-plus years serving his sentence in his luxury apartment on the upper westside of Manhattan. His sentence is scheduled to end on September 20, 2025. Binday filed: (1) a motion for compassionate release and (2) a motion pursuant to Rule 60(b) of the Federal Rules of Civil Procedure seeking to vacate the judgement of this Court dated May 23, 2018, denying his first petition. Michael Binday and his two codefendants, James Kergil and Mark Resnick, were found guilty of conspiracy to commit mail and wire fraud; mail fraud; and wire fraud in connection with a scheme to defraud insurance companies which the defendants purported to serve as agents. Binday led his codefendants in a scheme designed to procure “stranger-originated life insurance” (or “STOLI”) policies-policies on the lives of seniors for the benefit of investors who were strangers to them- by means of fraudulent applications. Over the course of their scheme, the defendants submitted at least 92 fraudulent applications, resulting in the issuance of 74 policies with a total face value of over $100 million. These policies generated roughly $11.7 million in commissions to the defendants. Binday was sentenced to 144 months’ imprisonment. BINDAY SURRENDERS Binday surrendered on July 1,2016, to FCI Otisville to commence his term of imprisonment and immediately filed motions for compassionate release, reversal of his convictions, and multiple other motions. On July 1, 2024, Binday-who is serving his sentence in his Manhattan apartment- filed a renewed motion for compassionate release. Binday Failed to Demonstrate Extraordinary and Compelling Circumstances As a threshold matter, it is worth emphasizing that Binday is not asking to be released from prison, but rather, to be relieved of the inconveniences associated with the rules of home confinement. He has served the last 38 months in his apartment on the upper west side of Manhattan (not at all what the Court intended when he was sentenced). How much more inconvenient it would be if he were back at Otisville- where the Court intended that he would serve his sentence. Binday’s crimes were serious. As the court explained when he was sentenced to 144 months in prison: Venality, rampant mendacity, the creation of false documents, obstruction of efforts by the victims to ascertain the truth, obstruction of regulators and the government’s efforts to learn the truth, Binday’s actions were precisely the sort of criminality that has left large segments of our society convince that all businessmen are crooks. Insurance fraud may not qualify as a crime of violence within the meaning of the federal sentencing system and that, unfortunately, is why it is all too often punished not with the severity that it deserves. As it is, Binday’s home confinement means that he is subject to far less stringent conditions than he would be otherwise. In that regard, he got more of a break than he deserves. The motion for compassionate release was denied. ZALMA OPINION STOLI fraud is a type of fraud on insurers that effects the straw buyers, usually older men and women who have no need for life insurance, is a truly venal act that deserves serious punishment. Binday stole millions from insurers, owns a luxury apartment in the Upper West Side of New York, and wants to be released from the confinement when he should have stayed in federal prison. He has abused the courts with his multiple motions and appeals and will serve out the remainder of his sentence and the DOJ and FBI should look into his current conduct since there is, in my opinion, the possibility that he is funding his attorneys fees with more fraud. (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

People don’t want to fight because it’s an inconvenience. Americans are lazy sadly, and our country will be gone unless Trump wins. "FACEBOOK BLOCKED THIS VIDEO." WHY

GOOD MORNING FRIENDS AND FOLLOWERS: FREEDOM OF SPEECH IS UNDER ASSAULT ALL OVER THE WORLD. THE OWNER OF 'TELEGRAM' IS UNDER ARREST IN FRANCE, IN BRITAIN YOU CAN GO TO JAIL FOR WHAT YOU POST IN SOCIAL MEDIA, THE BRITISH GOVERNMENT IS RELEASING CRIMINALS FROM JAILS TO MAKE ROOM FOR PEOPLE WHO PROTEST AGAINST ILLEGAL MIGRANTS. THE EUROPEAN UNION IS THREATENING ELON MUSK FOR NOT ABIDING BY EUROPEAN LEGAL LIMITS ON FREEDOM OF EXPRESSION. 'X' (FORMERLY TWITTER) HAS BEEN FORCED BY THE BRAZILIAN SUPREME COURT TO CLOSE ITS OFFICES IN BRAZIL AND LEAVE THE COUNTRY, 'X' IS BLOCKED FROM VIEW IN VENEZUELA, IN AUSTRALIA, A YOUNG MOTHER WAS ARRESTED FOR POSTING MESSAGES IN SOCIAL MEDIA AGAINST THE COVID RESTRICTIONS AND THE AUSTRALIAN GOVERNMENT BUILT CONCENTRATION CAMPS FOR PEOPLE WHO REFUSED TO OBEY THE COVID MANDATES. IN CHINA, MORE THAN A BILLION PEOPLE HAVE NO ACCESS TO THE MEDIA AND WEBSITES WE TAKE FOR GRANTED IN AMERICA. I'M MENTIONING ONLY A FEW EXAMPLES. FREEDOM OF SPEECH IS MENTIONED AS A "RIGHT" IN MOST CONSTITUTIONS AND LAWS AROUND THE WORLD BUT IN REALITY IT'S NOT A RIGHT BUT A PRIVILEGE REGULATED BY GOVERNMENTS. WHEN GOVERNMENTS CAN SUSPEND YOUR RIGHTS BY CONVENIENCE, YOU HAVE NO RIGHTS BUT PERMISSIONS. AS FAR AS I KNOW, ONLY THE UNITED STATES HAS A FIRST AMENDMENT IN ITS CONSTITUTION AND OUR RIGHTS CAN'T BE TAKEN AWAY BECAUSE THEY COME FROM THE CREATOR, BUT IS IT REAL OR JUST AN ILLUSION? THE U.S. GOVERNMENT CAN'T MAKE ANY LAWS LIMITING OUR RIGHT OF FREE EXPRESSION BUT FEDERAL AGENCIES PRESSURE THE MEDIA TO HIDE, DISTORT INFORMATION, MISINFORM AND DISINFORM AND ALSO CENSOR AND SUSPEND ACCOUNTS IN SOCIAL MEDIA BASED ON CONTENT OF THE MESSAGES. MANY OF THE MOST IMPORTANT PEOPLE IN NEWS MEDIA ARE CONNECTED TO THE GOVERNMENT BY FAMILY TIES, BY UNDERCOVER WORK AS AGENTS OF INTELLIGENCE OR HAVE BEEN IN GOVERNMENT AND NOW WORKING IN MEDIA. ALSO AT THE LOWEST LEVELS, MAYORS AND POLICE CHIEFS OF TOWNS AND MUNICIPALITIES, BECOME LITTLE DICTATORS, HAVING PEOPLE ARRESTED FOR EXPRESSING THE WRONG OPINIONS IN CITY COUNCIL MEETINGS OR PROTESTING THE INDOCTRINATION OR LGBTQ+ AGENDA AT BOARD OF EDUCATION MEETINGS. PARENTS OF PUBLIC SCHOOL CHILDREN ARE LABELED AS 'DOMESTIC TERRORISTS' FOR OPPOSING THE CULTURAL MARXIST AGENDA IN EDUCATION. AN OLD LADY IS IN JAIL FOR PRAYING THE ROSARY OUTSIDE AN ABORTION CLINIC... THIS VIDEO WAS CUT FROM A PODCAST BU IT CONTAINS VIDEO OF THE ARREST OF A LADY BY ORDERS OF A MAYOR, FOR SPEAKING OUT AT A CITY COUNCIL MEETING.

So I came back again to see how things are going and I see that same old stale site. It's a pain to upload any pics. Ya can't just paste and go also the same with trying to post from another site. The people here are really nice folks but the site is like the very worst for convenience. I can make many posts on any other site in the time it takes to make a nice post here.... My fun meter is on zero ! Y'all have a good evening I'm out a here.

Citizens Need A Daddy! Vote For Your Masters! Trump or Kamala? Go ahead.... "Vote" for your daddy! Well, I should say your MASTER He is 100% correct here! Do you know why we have a #Criminal #Corporation ruling over us, violating our inalienable human rights at will and without consequence??? It's because of YOU! It's because you bow down to #Tyranny! It's because you refuse to challenge their non-existent #Jurisdiction over you! It's because YOU may be inconvenienced if you do the right thing! It's because Freedom is not FREE, and YOU don't want to pay the price! You just want to keep coasting along and HOPING that the tyranny don't visit YOU! It visits other Americans EVERY SINGLE DAY, but somehow, you don't think that it will find YOU! Let me tell you something, "When injustice happens to one man anywhere, it happens to ALL MEN EVERYWHERE!" And you can take that one to the bank! Besides... this is not really just about FREEDOM anymore folks! This is about SURVIVAL! YOU have been targeted for DEATH by a giant, criminal filled CORPORATION This corporation is using YOUR MONEY that it extorts from you unlawfully, to fund KILLING YOU and your entire family! And at the same time, criminals who are committing #Genocide in front of the world are walking away scott free! It is time to challenge the corrupt, unlawful, criminal filled system folks! And that means YOU! These criminals can easily pick us off one by one all day long! We MUST stand together like an impenetrable phalanx or you WILL end up DEAD, along with your children! The criminals drew first blood! Now it is time they suffer the consequences! Let's face facts folks.... We ARE already at war with criminals who call themselves "government" And they seek to kill and/or completely enslave you And "voting" don't change a damn thing! Never has, never will! Because "government is a CORPORATION! And not "your government" at all. They have NO LEGITIMATE AUTHORITY We must, indeed, all hang together or, most assuredly, we shall all hang separately. - Benjamin Franklin https://www.youtube.com/watch?v=1nNEH6Msa_c

IMPLIED CONTENT Aaron used the PERFECT word for what radio and television doo! They both INFILTRATE our homes! A weapon in disguise Witchcraft piped directly into our living rooms and cars... almost inescapable But the #Truth is that we ALL have the power to simply TURN IT OFF! And truthfully, I'm at the point that I may do just that! Even the internet has turned into a dystopian nightmare! Where the internet used to be a wonderful thing..... We ALL should know that it was also created as a WEAPON to be used against us all The early days of the internet were designed to gain your interest, to be REAL and uncensored..... But it was always winding into it's current path of #Evil and #Censorship! We have the power to remove this influence from our lives! But do we possess the will to do so? Your "work" and convenience are really NOT good reasons to keep this weapon destroying your life! It has INFILTRATED every home in America, and is quickly heading to INFILTRATE the entire world! But you know what??? If we TURNED IT OFF there would be no financial incentive to continue it's press forward! I will simply leave you with this, words of wisdom from the bible.... Ephesians 2:2 Wherein in time past ye walked according to the course of this world, according to the prince of the power of the air, the spirit that now worketh in the children of disobedience: Ephesians Chapter 2 1 And you hath he quickened, who were dead in trespasses and sins; 2 Wherein in time past ye walked according to the course of this world, according to the prince of the power of the air, the spirit that now worketh in the children of disobedience: 3 Among whom also we all had our conversation in times past in the lusts of our flesh, fulfilling the desires of the flesh and of the mind; and were by nature the children of wrath, even as others. 4 But God, who is rich in mercy, for his great love wherewith he loved us, 5 Even when we were dead in sins, hath quickened us together with Christ, (by grace ye are saved;) 6 And hath raised us up together, and made us sit together in heavenly places in Christ Jesus: 7 That in the ages to come he might shew the exceeding riches of his grace in his kindness toward us through Christ Jesus. 8For by grace are ye saved through faith; and that not of yourselves: it is the gift of God: https://old.bitchute.com/video/SP_-a5S-1T0/

Daily Life Disruptions The rise of mass tourism in popular destinations like Spain has led to significant backlash from local residents, who are increasingly voicing their discontent and taking action against the influx of visitors. The protests in Barcelona and Mallorca highlight the trash tourism has on local communities, from skyrocketing property prices to daily inconveniences caused by overcrowding. This phenomenon drives locals out of their homes as they can't compete with the high rents driven by short-term tourist accommodations. Daily Life Disruptions: The everyday life of residents is disrupted by the sheer number of tourists. Public transportation becomes overcrowded, and essential services like street cleaning are strained under the increased load, leading to a decline in the quality of life. Local Business Accessibility: Tourists occupying local restaurants and other facilities make it difficult for residents to enjoy their favorite spots. This contributes to a sense of alienation and frustration among locals. This issue is not isolated to Spain. Countries such as Japan, Austria, and Mexico are also Venice in Italy, grappling with the challenge of balancing the benefits of tourism with the needs of their residents. These nations are exploring ways to create sustainable tourism models that protect local communities while still benefiting from the economic boost that tourism provides. New ways, to encourage practices that minimize environmental impact and spread the benefits of tourism more evenly throughout the year can reduce the pressure on popular destinations. This includes promoting off-season travel and lesser-known attractions. The Big Infrastructure: Improving public services and infrastructure to handle the influx of tourists can mitigate some of the negative impacts. This might involve expanding public transport capacity and enhancing waste management systems. In substance, these challenges require a concerted effort from governments, businesses, and communities to develop strategies that promote sustainable and inclusive tourism.

I'd consider the website a work in progress still, but more content is up including the new version of a module that was previously posted. I wrote a blog post about the pivot from B2C to B2B at https://infoonity.com/blog/06-2024/pivot-explanation.html, but I'll copy and paste the text here for convenience. Pivot Explanation Infoonity is pivoting from a B2C to B2B business model. In the past, Infoonity had a B2C (business to consumer) business model, for example by having books for sale on Amazon. However, it was decided that more impact could be made by having an open content business model, with revenue coming in the form of consulting and premium support for organizations that want it. This business model was inspired by Red Hat's business model of offering open source programs while making some money through consulting. This has led to some of the B2C content being made free and put under the Creative Commons CC0 license. So, in the context of the USA, this means that the CC0 licensed content is in the public domain. This is good since small businesses, such as some vendors of larger organizations, can get some free information security awareness content, and if other organizations pay for some more customized information security awareness content, the licensing for sharing that content with their vendors can be made easier. Additionally, while some of the content is available on some social media platforms, some companies may have bans on those websites. So if a website like Youtube is banned for example in a company, that same company could allow https://Infoonity.com and the videos on the website to be unblocked so that employees could enjoy some information security awareness content relevant to their jobs. So, hopefully you enjoy the pivot and the content. Please feel free to share the CC0 content, such as some of the videos and readings, if you find those useful. If you're part of an organization that wants some more customized content, such as curated role-based content, feel free tocontact Infoonity for consultation. You can help others while helping your organization's cyberinsurability posture.

RIGHT SIDE PATRIOTS...Podcast ... If you missed last nights RIGHT SIDE PATRIOTS live broadcast where Craig Andresen and Diane Sori discussed 'What Happened In Moscow...A Different Perspective'; 'A Bridge Way Too Far'; Hunter Biden's court loss; RFK Jr.'s surprising accusation; and pro-Hamas factions cause trouble in Teaneck NJ...listen to it (and past shows) at your convenience at: https://rspradio1.com ... go to Podcasts.

RIGHT SIDE PATRIOTS...Podcast ... If you missed last nights RIGHT SIDE PATRIOTS live broadcast where Craig Andresen and Diane Sori discussed 'Having To Make A Solomon-Like Decision In A Time Of War'; 'Socialism By Green Energy Mandates; the bridge collapse in Baltimore; Trump's civil court case win; Biden deserts Israel on key U.N. vote; and RFK Jr. VP pick...listen to it (and past shows) at your convenience at: https://rspradio1.com ... go to Podcasts.