I just wanted to say that if this our last day on Xephula, I truly enjoyed it and sad to see it go. I’ve enjoyed your posts and incites and things I learned from them. I hope we meet again somewhere on the net. Wishing everyone a Merry Christmas and a happy, healthy New Year!!!🤗

The best healing oils you can get and a very special Buy One Get One (BOGO), but for a limited time! https://www.biblehealingoil.com/pages/tim20 #everyone

Almost everyone did.

VAX-UNVAX VIRTUAL TOWN HALL WITH BRIAN HOOKER, PH.D. #Vaccines KILL Imagine #Corporations that are so #Evil that they are willing to poison everyone on earth to ensure that their victims will always need their worthless products! That's EVIL! And I believe that EVERYTHING "Big Pharma" is fallen angel tech https://old.bitchute.com/video/lhLQnCZQr7cM/

DUMMY TYRANNY: WE'LL ARREST YOU NOW AND FIGURE IT OUT LATER #Police are dumber than a box of rocks! I mean, I say that... But they are PLENTY SMART & DEVIOUS when trying to jam you up! It is more like they are inherently #Evil They ENJOY ruining lives and economically terrorizing the rest of us! They ENJOY their perceived "Authority" over other Americans, no matter how illegitimate it is! And I have to tell you... Police CHECK EVERY BOX ON THIS LIST! Things which YHWH HATES! Proverbs 6 16 These six things doth the LORD hate: yea, seven are an abomination unto him: 17 A proud look, a lying tongue, and hands that shed innocent blood, 18 An heart that deviseth wicked imaginations, feet that be swift in running to mischief, 19 A false witness that speaketh lies, and he that soweth discord among brethren. I really want everyone to realize that when you participate in "The System" of "Maritime Admiralty Law" that the #Corporation of the United States operates under YOU ARE PARTICIPATING IN #SATAN'S SYSTEM! When you give your CONSENT by "voting" to remain a #Slave... When you CONSENT to live under their unlawful "Statutes and Codes"... When you CONSENT to being a SLAVE by paying "taxes"... When you CONSENT to believing in #NASA's fictional tales... ALL OF THESE THINGS put you squarely inside of Satan's Kingdom on Earth! It is time to REVOKE YOUR CONSENT! And live by YHWH's LAWS! Throw man's statutes and codes out the window! Break the chains of your slavery to other MEN... STOP worshiping Satan's worthless paper "Notes of DEBT" and the #Bankers who peddle it. STOP allowing people with nothing more than a PRINTING PRESS to control the entirety of creation! There are 8 BILLION PEOPLE on this earth... And it is time to stop CONSENTING to being ruled by the clever POS who printed up the MONOPOLY MONEY that has allowed them to STEAL everything on earth! It is time to be a MAN! It is time to stop allowing the 10% of the population calling itself "government" to run roughshod over the rest of us and steal our shit, and cage us at will! https://old.bitchute.com/video/3581pIoeVCM/

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

The Ranger: The Guy With A Gun In A Knife Fight A lot of people are calling the Ranger the strongest class in the sport, and whilst this is a chunk of an exaggeration, there may be some reality to these claims. The Ranger has absurd ranged harm with bows in combination with their Perks, super vicinity-denial options with bear traps and Quick-Shot, and even innate restoration with Rations. An archer elegance with get entry to to infinite arrows in a sport in which both the protective and evasive alternatives are sparse is certainly terrifying. Everyone having guns in Escape from Tarkov was one thing, but this is completely distinctive. This is exactly why the Ranger works nicely in solo play. Even the most veteran Dark and Darker players still get hit by AI enemies from time to time, but the Ranger's combat loop basically gets rid of that threat. Plus, towards actual gamers, a nicely-placed Ranger can easily fight and win against a three-character squad unmarried-handedly. And, even though their combatants do manage to close the space, Rangers can use their innate movement speed and endure traps to outrun and frustrate their pursuers before finishing them off with a bolt as quickly as they permit their guards down. The Fighter: A True Swiss Army Knife Class Where Rangers are a brilliant solo elegance because of their overall utility in areas, ranged fight and pace, Fighters are properly solo instructions because of their widespread software in all areas. Fighters have proper health, true defense, desirable offense, appropriate survivability, top Perks, proper Skills, and are simply all-round pretty excellent. However, be aware how none of their aspects are described as 'notable' or 'outstanding'. Yes, Fighters are accurate at maximum things, however they may be not clearly the 'high-quality' at some thing in exchange. Their average melee damage is not as right as a Barbarian's, they may be no longer nearly as speedy as a Rogue or Ranger, and that they don't have access to Spells like a Cleric or Wizard does. But, for a solo player, a properly-geared Fighter (each in terms of armor and weapons) will provide them the overall maximum chance of survival against the odds. Now, Fighters can not without problems 1v3 an enemy group, but they will typically stay lengthy sufficient to try to and have the best risk of dwelling to try to escape if they can't. The Cleric: Tons Of Healing In A Game Where Healing Is Sparse And sooner or later, there are Clerics. In wellknown Clerics are excellent solo training for a lot of the identical motives Fighters are. Their offense isn't horrible, their defense is respectable, and that they also can use a protect. But, in which the Cleric excels solely is of their basic survivability and PvE software. Clerics have a mess of spells that deal damage to undead which include Holy Light and their Holy Purification Skill. Not simplest that, but they may be also able to maintain themselves alive plenty longer on common than every other elegance might by the usage of each Lesser Heal and Holy Light. That said, while Clerics are accurate for solo gamers, they still shine the brightest when in a crew due to the fact they are able to heal their harm sellers mid-combat and even revive teammates with a spell. But for anyone simply trying to play on their very own and survive towards enemy squads, a Cleric is a pretty good elegance desire. Why Not Barbarian Or Rogue? And ultimately, it need to be stated that each Barbarian and Rogue can work in solo play, they can even dominate in the proper hands. In fact, with how regularly players see Rogues jogging round by themselves, it'd appear peculiar not to have them on here. But, in phrases of their standard playstyle and available Skills/Perks, Barbarians and Rogues simply war more in solo vs squad play than the other instructions do. A Barbarian's slow interaction velocity, sluggish motion speed, and overall awkward weapon hitboxes make it hard to chase or break out enemy gamers. Meanwhile, the Rogue can sneak up on a player without difficulty or even melt them before they have a hazard to react relying on what number of stabs they get in, but in the event that they get hit even as soon as, they're essentially completed for. They're just lessons that shine so much extra in a group scenario that it would be a chunk silly to simplest use them in solo play. The Fighter in Dark in Darker is largely the Mario-type person in Super Smash Bros Ultimate of this recreation if that makes sense. It's the elegance alternative gamers select to analyze the game earlier than moving directly to the extra robotically unique training. Or, rather, they grow to be sticking with it and coming across the man or woman or class' internal complexities. It's the Ryu from Street Fighter or the Sol Badguy of Guilty Gear, just to provide a few different examples. But, as absolutely everyone who has 'principal'ed' any of those characters in fighting video games will say, just because it's the 'starter' man or woman does not mean that it's horrific, simple, or clean to grasp. So, allow's smash down the Fighter in Dark and Darker and pass over its standard construct. All servers of Dark and Darker Gold Coins on MMOexp.com.

Why you saw everyone around you going along with the COVID hoax the eyes and ears of the state https://old.bitchute.com/video/DMgLcmIbulYz/ #gangstalking #targetedindividuals #gangstalkingawareness #organizedstalking #surveillance #gangstalkingisacrime

still kicking the "divide Americans" dead horse? PATHETIC! It's too bad that ALL AMERICANS already know why you want to do this! We KNOW that you #Criminals just want us fighting one another... So that we don't look at YOU! The people we need to be putting into PRISON for your #CrimesAgainstHumanity It ain't working anymore! EVERYONE KNOWS GOVERNMENT IS THE TRUE ENEMY!!!

There Is No Defense For What They Do In a world where we have been duped into believing that everyone’s individual truth must be accepted and embraced, even at the expense of facts and reality, I suppose the statement “there is no defense for what they do,” could apply to many people, entities, and organizations. But as the virtue-signaling globalist Left in the United States continues to turn a blind eye to the lethal dangers streaming by the tens of thousands over our open borders each month, it’s time to over-state the blatantly obvious. There is no defense, no rationale, no excuse for the US federal government–as well as the many state, county, and local governments–to do absolutely nothing to thwart and, in fact, facilitate, in many cases, the entry into our Republic of criminal gangs from Venezuela, El Salvador, and Mexico. With every passing day, they embed themselves into our country like roaches in a tenement building. This is not about extending a benevolent hand to Third World downtrodden in an effort to help them live better. This is about well-financed and organized criminal gangs–aided by foe governments to the United States–strategically rooting themselves in our country to occupy and profiteer from their chosen trades: Drug and human trafficking through the use of obscene and horrific uses of violence. https://rumble.com/v5xq77w-there-is-no-defense-for-what-they-do.html