• 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
    0 Yorumlar 0 hisse senetleri 510 Views

  • The new strategy is known as "chucking" which involves placing massive sums of GP on a 1v1 duel typically requiring an intermediary to pay the winnings padded to the person who won the duel. In recent times there have cases where one person will fight for another to get a share of the prize pool which is overinflated.

    "As you're aware the primary reason behind the removal of the Duel Arena was to stop an activity that we considered to be incompatible to our regulations," said Jagex. "However we've observed that since the advent of the PvP Arena the rule-breaking activities have been adapted to. They are essentially akin to 'commission stakestaking' and are becoming more common in previous inhabitants within Duel Arena." Duel Arena."

    "We need to be explicit: community chucking regardless of whether you are hosting or taking part it is not permitted and is in violation of rules of the Games of Chance section of our Game Rules," warned the studio. "This is the case regardless of whether the host gets tips or not. Also, any staking, or dueling that is done with the help of a middleman is prohibited. We will pursue people and accounts who are involved in staking or throwing."

    Another form of activity Jagex warns of is against the game's terms of service are giveaways that re-roll. "A Re-roll giveaway is an event where participants are invited to participate, usually for cost, to have the chance of winning some prize. After a certain number of participants have registered and the host has decided to select an unlucky winner out of the pool of entries," the studio explained. "After the winner is selected the viewers are occasionally encouraged to make the host a donation or tip, usually in the form real-world money - in order to roll the results of the "giveaway'. It can be repeated any number of times as well as a potential infinite number of replays."

    "These kinds of giveaways are not permitted because they are in violation of the rules laid out under the Real World Trading section. The hosts of these kinds of giveaways will continue to face disciplinary action against them. Giveaways can only be accepted when they are managed with good intentions, with basic mechanics, and are accessible to all," the studio maintained.

    One of the changes that are coming into RuneScape in the coming year will be the death mechanic that has been promised modification that will drastically cut down the costs of dying within the traditional MMORPG. Traditionally dying in Gielinor meant you lost everything you owned, with the exception of those that you were protected from dying. It was extremely frustrating and expensive, however it also helped to keep the economy stable and costs in the right place.

    Fast forward nearly a decade and the gold sink that is caused due to the loss of objects upon death isn't as important as it was in the past. This led to the conclusion that it was time to alter the death mechanics so that it makes it more lenient, particularly for those with the right equipment, who are more likely to lose important items.

    After the updated death system is in place all items that are added to the death system will be charged a minimum mortality cost, which is 0.1 percent. This change will reduce the cost of reclaiming some items by as much as 80 percent, and for others by as high as 96.7 percent. Parties will no longer be required to sell their possessions to retrieve the items left behind by their fallen friends. To counteract the massive decrease in the cost of death and its impact on the game's econometrics, Jagex will be adding 2 percent tax to all transactions that exceed 50 coins.
    Rsorder.com: The most professional site to Buy OSRS Gold/RS3 Gold, items, accounts, power leveling, and questing services.
    The new strategy is known as "chucking" which involves placing massive sums of GP on a 1v1 duel typically requiring an intermediary to pay the winnings padded to the person who won the duel. In recent times there have cases where one person will fight for another to get a share of the prize pool which is overinflated. "As you're aware the primary reason behind the removal of the Duel Arena was to stop an activity that we considered to be incompatible to our regulations," said Jagex. "However we've observed that since the advent of the PvP Arena the rule-breaking activities have been adapted to. They are essentially akin to 'commission stakestaking' and are becoming more common in previous inhabitants within Duel Arena." Duel Arena." "We need to be explicit: community chucking regardless of whether you are hosting or taking part it is not permitted and is in violation of rules of the Games of Chance section of our Game Rules," warned the studio. "This is the case regardless of whether the host gets tips or not. Also, any staking, or dueling that is done with the help of a middleman is prohibited. We will pursue people and accounts who are involved in staking or throwing." Another form of activity Jagex warns of is against the game's terms of service are giveaways that re-roll. "A Re-roll giveaway is an event where participants are invited to participate, usually for cost, to have the chance of winning some prize. After a certain number of participants have registered and the host has decided to select an unlucky winner out of the pool of entries," the studio explained. "After the winner is selected the viewers are occasionally encouraged to make the host a donation or tip, usually in the form real-world money - in order to roll the results of the "giveaway'. It can be repeated any number of times as well as a potential infinite number of replays." "These kinds of giveaways are not permitted because they are in violation of the rules laid out under the Real World Trading section. The hosts of these kinds of giveaways will continue to face disciplinary action against them. Giveaways can only be accepted when they are managed with good intentions, with basic mechanics, and are accessible to all," the studio maintained. One of the changes that are coming into RuneScape in the coming year will be the death mechanic that has been promised modification that will drastically cut down the costs of dying within the traditional MMORPG. Traditionally dying in Gielinor meant you lost everything you owned, with the exception of those that you were protected from dying. It was extremely frustrating and expensive, however it also helped to keep the economy stable and costs in the right place. Fast forward nearly a decade and the gold sink that is caused due to the loss of objects upon death isn't as important as it was in the past. This led to the conclusion that it was time to alter the death mechanics so that it makes it more lenient, particularly for those with the right equipment, who are more likely to lose important items. After the updated death system is in place all items that are added to the death system will be charged a minimum mortality cost, which is 0.1 percent. This change will reduce the cost of reclaiming some items by as much as 80 percent, and for others by as high as 96.7 percent. Parties will no longer be required to sell their possessions to retrieve the items left behind by their fallen friends. To counteract the massive decrease in the cost of death and its impact on the game's econometrics, Jagex will be adding 2 percent tax to all transactions that exceed 50 coins. Rsorder.com: The most professional site to Buy OSRS Gold/RS3 Gold, items, accounts, power leveling, and questing services.
    0 Yorumlar 0 hisse senetleri 972 Views
  • VIDEOS: Awaiting Trump Medical Tyranny Reform
    https://slantedright2.blogspot.com/2024/12/videos-awaiting-trump-medical-tyranny.html

    SUMMARY: … As you can guess, it is my opinion that COVID was more a Plandemic (some would say Scamdemic) than a Pandemic. As a Plandemic, COVID became a cash-cow for Big Pharma to impose dangerous pharmaceuticals for profit when less expensive and safer pharmaceuticals existed that could have prevent the early COVID death toll. …VIDEOS to REMIND MAHA Reform is a MUST!
    #MAHA #ResistMedicalTyranny #Remember
    VIDEOS: Awaiting Trump Medical Tyranny Reform https://slantedright2.blogspot.com/2024/12/videos-awaiting-trump-medical-tyranny.html SUMMARY: … As you can guess, it is my opinion that COVID was more a Plandemic (some would say Scamdemic) than a Pandemic. As a Plandemic, COVID became a cash-cow for Big Pharma to impose dangerous pharmaceuticals for profit when less expensive and safer pharmaceuticals existed that could have prevent the early COVID death toll. …VIDEOS to REMIND MAHA Reform is a MUST! #MAHA #ResistMedicalTyranny #Remember
    Like
    1
    1 Yorumlar 0 hisse senetleri 781 Views

  • The dazzling talent Kylian Mbappe continues impressing the world of football by his talents. Mbappe was the top footballer in the team of Paris Saint Germain, but the team suffered a loss in their EURO campaign. But, he's made an impressive start to the new season and is the joint top scorer for the club in Ligue 1 Uber Eats.

    Mbappe's FIFA statistics continue to get more and better every year. His score has increased to 91. He was previously scored 90. Mbappe is a dazzling speed of 97. He has also a 92-percent rate in shooting, 88 in dribbling and 80 when passing. It's important to note that He is an ambassador for FC 25.

    There aren't many athletes within the sports industry have an identical level of physical fitness to Manchester United's Cristiano Ronaldo. Ronaldo has been awarded the Ballon d'Or 5 times and the goal is to beat the record held by Lionel Messi of six. He moved to Manchester United in the summer transfer window and is in form from the start.

    Despite another crazily good campaign, Ronaldo has lost his place as the 2nd-best footballer in FIFA. His rating has gone from the 92 mark to 91. But, it's still an extremely high-rated card. Ronaldo's top stats include shooting (93) as well as the ability to dribble (88) and speed (87). If he can have another stellar season, there's no doubt that his score will rise and he'll also be more expensive to play.

    As a popular choice to be the leading contender for the upcoming Ballon d'Or, Robert Lewandowski has been unstoppable at his team, Bayern Munich. Lewandowski has scored goals in the last 19 games played for Bayern Munich and has not shown any indication of slowing down. With his current form in mind, Lewandowski is deserving of the 2nd highest rating cards for FC 25. His card is rated at 92. and has remarkable stats- shooting 92 and 82 for physicality and 86 when the dribbling.
    Best EA FC 25 Coins shop is MMOexp.com.
    The dazzling talent Kylian Mbappe continues impressing the world of football by his talents. Mbappe was the top footballer in the team of Paris Saint Germain, but the team suffered a loss in their EURO campaign. But, he's made an impressive start to the new season and is the joint top scorer for the club in Ligue 1 Uber Eats. Mbappe's FIFA statistics continue to get more and better every year. His score has increased to 91. He was previously scored 90. Mbappe is a dazzling speed of 97. He has also a 92-percent rate in shooting, 88 in dribbling and 80 when passing. It's important to note that He is an ambassador for FC 25. There aren't many athletes within the sports industry have an identical level of physical fitness to Manchester United's Cristiano Ronaldo. Ronaldo has been awarded the Ballon d'Or 5 times and the goal is to beat the record held by Lionel Messi of six. He moved to Manchester United in the summer transfer window and is in form from the start. Despite another crazily good campaign, Ronaldo has lost his place as the 2nd-best footballer in FIFA. His rating has gone from the 92 mark to 91. But, it's still an extremely high-rated card. Ronaldo's top stats include shooting (93) as well as the ability to dribble (88) and speed (87). If he can have another stellar season, there's no doubt that his score will rise and he'll also be more expensive to play. As a popular choice to be the leading contender for the upcoming Ballon d'Or, Robert Lewandowski has been unstoppable at his team, Bayern Munich. Lewandowski has scored goals in the last 19 games played for Bayern Munich and has not shown any indication of slowing down. With his current form in mind, Lewandowski is deserving of the 2nd highest rating cards for FC 25. His card is rated at 92. and has remarkable stats- shooting 92 and 82 for physicality and 86 when the dribbling. Best EA FC 25 Coins shop is MMOexp.com.
    0 Yorumlar 0 hisse senetleri 830 Views
  • we've learned nothing has changed! approved, new teams, fresh targets based on events INSIDE DC METRO THIS MORNING! sbux, whole foods, jews, homos, pedophiles!

    11 10am begins and goes till 12/19 6pm local!

    integration https://www.minds.com/newsfeed/1714120415913185291 https://www.steaknshake.com/rewards/?id=1 approved because in fact there are so many side dealing weasel rats! GAME GO. get organized, get connected https://www.pizzahut.com/international https://www.bk.com/ https://www.starbucks.com/ https://www.bahamabreeze.com/home tgifridays.com

    we have less interference but still much to clear and this process will clear the way! All time zones GLOBAL are in on it, do it to it go! Make it happen, make it work for you!

    https://www.purewow.com/travel/best-beach-towns-in-florida
    https://www.indexmundi.com/facts/united-states/quick-facts/cities/rank/black-population-percentage
    https://ipremium.mc/magazine/online/tpost/gdc78kszb1-most-expensive-neighbourhoods-in-the-wor https://en.wikipedia.org/wiki/List_of_most_expensive_streets_by_city
    https://robbreport.com/shelter/homes-for-sale/most-expensive-us-zip-codes-1234900514/
    -->go FULL SPEED we will remove interference as it pops up!

    if you have what it takes, you may kill anyone who thinks they run the show TODAY, this will give you pole position!

    bodies behind hospitals/morgues, colleges/universities or to dumps!
    +big donors https://www.skytavern.org/ https://theoceancleanup.com/donate/ https://mikeroweworks.org/
    we've learned nothing has changed! approved, new teams, fresh targets based on events INSIDE DC METRO THIS MORNING! sbux, whole foods, jews, homos, pedophiles! 11 10am begins and goes till 12/19 6pm local! integration https://www.minds.com/newsfeed/1714120415913185291 https://www.steaknshake.com/rewards/?id=1 approved because in fact there are so many side dealing weasel rats! GAME GO. get organized, get connected https://www.pizzahut.com/international https://www.bk.com/ https://www.starbucks.com/ https://www.bahamabreeze.com/home tgifridays.com we have less interference but still much to clear and this process will clear the way! All time zones GLOBAL are in on it, do it to it go! Make it happen, make it work for you! https://www.purewow.com/travel/best-beach-towns-in-florida https://www.indexmundi.com/facts/united-states/quick-facts/cities/rank/black-population-percentage https://ipremium.mc/magazine/online/tpost/gdc78kszb1-most-expensive-neighbourhoods-in-the-wor https://en.wikipedia.org/wiki/List_of_most_expensive_streets_by_city https://robbreport.com/shelter/homes-for-sale/most-expensive-us-zip-codes-1234900514/ -->go FULL SPEED we will remove interference as it pops up! if you have what it takes, you may kill anyone who thinks they run the show TODAY, this will give you pole position! bodies behind hospitals/morgues, colleges/universities or to dumps! +big donors https://www.skytavern.org/ https://theoceancleanup.com/donate/ https://mikeroweworks.org/
    1 Yorumlar 2 hisse senetleri 1K Views

  • I am Thankful

    Thanksgiving Wishes from the Zalma Family

    Post 4938

    Posted on November 27, 2024 by Barry Zalma

    See the full video at and at hope, on this Thanksgiving weekend, that you can join my family and me remembering that it is more important to think about our blessings and those things that we have to be thankful for than to get in line for “Black Friday” to buy an inexpensive flat screen t.v. or tablet. Enjoy the holiday and your family as I will.

    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.

    To me, I am thankful for you, my friends, clients and readers of “Zalma’s Insurance Fraud Letter,” my blog “Zalma on Insurance,” and my books and other writing including the third Edition of the ten volumes of my treatise, “Zalma on Insurance Claims” and the Fourteenth Edition of “Property Investigation Checklists.”

    As a first generation American I am honored to join with all Americans the ability to celebrate Thanksgiving that started when the United States was a dream and just a colony of Great Britain, to give thanks for the good things in life at least once a year. It took Abraham Lincoln, our greatest President to make it an official holiday. The Thanksgiving holiday gives me and my family the opportunity to consider the blessings we have received and to thank all who have made it possible.

    Please allow me this opportunity to explain to you all the things I, and my family, can continue to give thanks for:

    1. I have loved my wife of almost 57 years since we first met when she was nine and I was twelve.
    2. I am thankful that she still loves me and lets me make clear every day that I love her more now than I did when she ignored me when I was 12.
    3. My three adult children who are successes in their own right.
    4. That my three children who put up with my wife and I, and are healthy, successful, and mostly happy in what they do.
    5. My almost eight-year-old granddaughter and my 22 year-old grandson live nearby, my grandson is now a successful college graduate from Puget Sound University in Washington state and working full time in I.T.
    6. My clients who, for the more than 57 years have allowed me to earn a living doing what I love. I practiced law until I let my license go inactive, acting as a consultant, testifying as an expert witness and writing materials to help others provide excellence in claims services as members of the insurance profession.
    7. My publishers the American Bar Association, Full Court Press, Fastcase.com, Thomson Reuters and Amazon.com.
    8. My dearly departed parents and grandparents for having the good sense to leave the Ottoman Empire at the beginning of the 20th Century so we could avoid the Holocaust and I could be born American.
    9. My country for giving me a place to live and work in peace and complain about it without fear.
    10. The state of California, where I was born, and have lived for 82 years, for allowing me to have my home and grow my family, and the ability to pay California’s high taxes for the privilege.
    11. Those of you who read what I write and gain something from it.
    12. Eighty two years of mostly good health, but for a small heart attack,clogged arteries, a failed Aortic heart valve, ant the surgeons that gave me the ability to continue to work – albeit at a reduced rate.
    13. Allowing me the health and ambition to avoid my cardiologist by walking every day and working on my garden and bonsai with one of my Chinese Elms in a pot for more than 49 years.
    14. The hundreds of friends I have never met but with whom the Internet has allowed me to communicate in parts of the world I have never visited.
    15. The wonder of the Internet that allows me to publish E-books, ZIFL and my blog instantly on line.
    16. That my family can get together to express our thanks for each other and our happiness this year again without a need for anything but enjoying each other’s company and some good food.
    17. That most of you who I know only by my publications can also gather with your families to express your thanks.

    When I enlisted in the U.S. Army in 1964, I volunteered ostensibly to avoid the draft and volunteered to serve anywhere in the world. Fortunately, the Army made assignments in alphabetical order and I was sent by the U.S. Army Intelligence Corps to Peoria, Illinois where I became a Special Agent in Charge of an office investigating people who sought security clearances. I was trained to be an investigator and enjoyed every minute of the job.

    Until the Army I had never seen a river without a concrete bottom only to see the mighty Mississippi as my first real river. I had never seen snow other than in the distance on mountains only to find myself shoveling the snow off the driveway in the small half-of-a-house I rented from an old couple who could not do it themselves.

    My investigative assignments required me to travel throughout Central Illinois from the Iowa to the Indiana borders. I stopped at court houses along the way, all of which had signs that Abraham Lincoln practiced law there. Those experiences with the courts, law enforcement officers, and court personnel probably gave me the incentive to become a lawyer.

    When I finished my three year enlistment I returned home, proposed marriage to the love of my life, who fortunately for me, accepted. I began the study of law at night and found my first real job where I could use the skills I learned in the Army. I was hired as a claims trainee at the Fireman’s Fund American Insurance Company who spent the time to train me to be a claims adjuster. The training was, unlike modern insurers, thorough. I was required to read a treatise on insurance and insurance claims handling. I was sent out with experienced adjusters in all types of insurance Fireman’s Fund wrote to learn as they adjusted claims, and eventually allowed to deal with the public under close supervision.

    Contrary to the requirements of the insurance industry at the time, Fireman’s Fund allowed me to study law at night while I worked as a full-time insurance adjuster. I was fortunate enough to work for a claims manager – Coleman T. Mobley – who did not require me to go out of state to adjust major storm claims if it interfered with my law school studies. Since I was in law school 50 weeks a year the only catastrophe storm duty I was required to work was a fire storm that burned from the San Fernando Valley to the ocean at Malibu. Because of Mr. Mobley and the Fireman’s Fund I was able to complete my studies and pass the California Bar in 1971 and be admitted to the California Bar on January 2, 1972.

    I took a cut in pay to get my first job as an Associate Attorney with a law firm that was willing to teach me to be a lawyer handling every kind of problem a new lawyer could face from wills, tort claims, divorce, drunk driving, trials, depositions, and dozens of orders to show cause in multiple courts around the Inland Empire of California. By doing so, when I started practicing law in 1972, I became a lawyer who could deal with any issue brought to me. I was fortunate enough to be able to move to an insurance law firm in Century City where I was assigned to a coverage lawyer who was trying to deal with over 500 active matters and, who, when I arrived, assigned 250 of the matters to me and pointed me to the firm’s library to learn what to do.

    At the time new technology was an IBM Selectric typewriter that could erase errors from the keyboard without the need to use white-out paint. I did legal research in the firm’s large library which, when it was inadequate for the task, I drove to the County Law Library in downtown Los Angeles to adequately research legal questions .

    Research in a large library took days to find support for an issue. I needed three professional legal secretaries to keep up with my dictation. Now, using modern technology, I can do the same legal research in 30 minutes on Fastcase.com, need no secretary, and can operate my consulting, writing, training and publishing businesses with no employees.

    In 1979 I decided it was time to be my own boss. I started a law firm called Barry Zalma, Inc. with a secretary who came from my last firm and brought an IBM Selectric typewriter with her into a small windowless office. I had obtained a line of credit from a bank that I hoped would carry us until the practice started since the only case I was sure of when I moved into my new office, was my sister’s rear-ender from which I could not, and did not, take a fee.

    The office was furnished with a file cabinet from my father-in-law’s dental practice and a dining room table from my wife’s grandmother who had passed away. I received my first call at 8:10 a.m. on the first day, October 1, 1979, from Alan Worboys, a claims person speaking for Certain Underwriters at Lloyd’s, London and my practice began. Alan became, and still is, a long time friend. I had nothing to do on October 3, 1979 so I wrote an article for publication. After that, I had no peace and the firm quickly grew to 9 lawyers and a staff to serve them all defending people who were insured and acting as coverage counsel for insurers who needed advice and counsel concerning interpretation of insurance contracts and how to deal with attempted fraud. I, and the lawyers who joined the firm also provided defense to insureds of our clients and defense of suits against the insurers for tort, including the tort of bad faith.

    I was more successful than I ever expected. I, whose experience was limited to Los Angeles County and Central Illinois, found a need to travel to Taipei, Taiwan and London, England on behalf of my clients. I worked, as I had learned from my father who survived the Depression, 16 hours a day, six or seven days a week. When I became 75 years old my firm had been reduced back to a sole practice and I decided it was time to stop practicing law and become a consultant and fulfill my childhood dream to be an author.

    I am a very lucky and happy man. I do work that I love. I fulfilled my childhood dreams. I Live in a home I have owned for more than 49 years that my wife and I adapted and increased as children were born to meet our needs. I have the love of my life with me and look forward to celebrating our 57th wedding anniversary next month. I am honored that my eldest daughter has come back to live with us and care for my wife and I who are not able to do everything we used to do.

    I have three wonderful children, two grandchildren and all live close. My son, and his business shares my office building and has time to visit with me as allowed by his busy schedule.

    (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

    This is a long article so go to https://www.linkedin.com/pulse/i-am-thankful-barry-zalma-esq-cfe-bzysc, to read the full article.
    I am Thankful Thanksgiving Wishes from the Zalma Family Post 4938 Posted on November 27, 2024 by Barry Zalma See the full video at and at hope, on this Thanksgiving weekend, that you can join my family and me remembering that it is more important to think about our blessings and those things that we have to be thankful for than to get in line for “Black Friday” to buy an inexpensive flat screen t.v. or tablet. Enjoy the holiday and your family as I will. 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. To me, I am thankful for you, my friends, clients and readers of “Zalma’s Insurance Fraud Letter,” my blog “Zalma on Insurance,” and my books and other writing including the third Edition of the ten volumes of my treatise, “Zalma on Insurance Claims” and the Fourteenth Edition of “Property Investigation Checklists.” As a first generation American I am honored to join with all Americans the ability to celebrate Thanksgiving that started when the United States was a dream and just a colony of Great Britain, to give thanks for the good things in life at least once a year. It took Abraham Lincoln, our greatest President to make it an official holiday. The Thanksgiving holiday gives me and my family the opportunity to consider the blessings we have received and to thank all who have made it possible. Please allow me this opportunity to explain to you all the things I, and my family, can continue to give thanks for: 1. I have loved my wife of almost 57 years since we first met when she was nine and I was twelve. 2. I am thankful that she still loves me and lets me make clear every day that I love her more now than I did when she ignored me when I was 12. 3. My three adult children who are successes in their own right. 4. That my three children who put up with my wife and I, and are healthy, successful, and mostly happy in what they do. 5. My almost eight-year-old granddaughter and my 22 year-old grandson live nearby, my grandson is now a successful college graduate from Puget Sound University in Washington state and working full time in I.T. 6. My clients who, for the more than 57 years have allowed me to earn a living doing what I love. I practiced law until I let my license go inactive, acting as a consultant, testifying as an expert witness and writing materials to help others provide excellence in claims services as members of the insurance profession. 7. My publishers the American Bar Association, Full Court Press, Fastcase.com, Thomson Reuters and Amazon.com. 8. My dearly departed parents and grandparents for having the good sense to leave the Ottoman Empire at the beginning of the 20th Century so we could avoid the Holocaust and I could be born American. 9. My country for giving me a place to live and work in peace and complain about it without fear. 10. The state of California, where I was born, and have lived for 82 years, for allowing me to have my home and grow my family, and the ability to pay California’s high taxes for the privilege. 11. Those of you who read what I write and gain something from it. 12. Eighty two years of mostly good health, but for a small heart attack,clogged arteries, a failed Aortic heart valve, ant the surgeons that gave me the ability to continue to work – albeit at a reduced rate. 13. Allowing me the health and ambition to avoid my cardiologist by walking every day and working on my garden and bonsai with one of my Chinese Elms in a pot for more than 49 years. 14. The hundreds of friends I have never met but with whom the Internet has allowed me to communicate in parts of the world I have never visited. 15. The wonder of the Internet that allows me to publish E-books, ZIFL and my blog instantly on line. 16. That my family can get together to express our thanks for each other and our happiness this year again without a need for anything but enjoying each other’s company and some good food. 17. That most of you who I know only by my publications can also gather with your families to express your thanks. When I enlisted in the U.S. Army in 1964, I volunteered ostensibly to avoid the draft and volunteered to serve anywhere in the world. Fortunately, the Army made assignments in alphabetical order and I was sent by the U.S. Army Intelligence Corps to Peoria, Illinois where I became a Special Agent in Charge of an office investigating people who sought security clearances. I was trained to be an investigator and enjoyed every minute of the job. Until the Army I had never seen a river without a concrete bottom only to see the mighty Mississippi as my first real river. I had never seen snow other than in the distance on mountains only to find myself shoveling the snow off the driveway in the small half-of-a-house I rented from an old couple who could not do it themselves. My investigative assignments required me to travel throughout Central Illinois from the Iowa to the Indiana borders. I stopped at court houses along the way, all of which had signs that Abraham Lincoln practiced law there. Those experiences with the courts, law enforcement officers, and court personnel probably gave me the incentive to become a lawyer. When I finished my three year enlistment I returned home, proposed marriage to the love of my life, who fortunately for me, accepted. I began the study of law at night and found my first real job where I could use the skills I learned in the Army. I was hired as a claims trainee at the Fireman’s Fund American Insurance Company who spent the time to train me to be a claims adjuster. The training was, unlike modern insurers, thorough. I was required to read a treatise on insurance and insurance claims handling. I was sent out with experienced adjusters in all types of insurance Fireman’s Fund wrote to learn as they adjusted claims, and eventually allowed to deal with the public under close supervision. Contrary to the requirements of the insurance industry at the time, Fireman’s Fund allowed me to study law at night while I worked as a full-time insurance adjuster. I was fortunate enough to work for a claims manager – Coleman T. Mobley – who did not require me to go out of state to adjust major storm claims if it interfered with my law school studies. Since I was in law school 50 weeks a year the only catastrophe storm duty I was required to work was a fire storm that burned from the San Fernando Valley to the ocean at Malibu. Because of Mr. Mobley and the Fireman’s Fund I was able to complete my studies and pass the California Bar in 1971 and be admitted to the California Bar on January 2, 1972. I took a cut in pay to get my first job as an Associate Attorney with a law firm that was willing to teach me to be a lawyer handling every kind of problem a new lawyer could face from wills, tort claims, divorce, drunk driving, trials, depositions, and dozens of orders to show cause in multiple courts around the Inland Empire of California. By doing so, when I started practicing law in 1972, I became a lawyer who could deal with any issue brought to me. I was fortunate enough to be able to move to an insurance law firm in Century City where I was assigned to a coverage lawyer who was trying to deal with over 500 active matters and, who, when I arrived, assigned 250 of the matters to me and pointed me to the firm’s library to learn what to do. At the time new technology was an IBM Selectric typewriter that could erase errors from the keyboard without the need to use white-out paint. I did legal research in the firm’s large library which, when it was inadequate for the task, I drove to the County Law Library in downtown Los Angeles to adequately research legal questions . Research in a large library took days to find support for an issue. I needed three professional legal secretaries to keep up with my dictation. Now, using modern technology, I can do the same legal research in 30 minutes on Fastcase.com, need no secretary, and can operate my consulting, writing, training and publishing businesses with no employees. In 1979 I decided it was time to be my own boss. I started a law firm called Barry Zalma, Inc. with a secretary who came from my last firm and brought an IBM Selectric typewriter with her into a small windowless office. I had obtained a line of credit from a bank that I hoped would carry us until the practice started since the only case I was sure of when I moved into my new office, was my sister’s rear-ender from which I could not, and did not, take a fee. The office was furnished with a file cabinet from my father-in-law’s dental practice and a dining room table from my wife’s grandmother who had passed away. I received my first call at 8:10 a.m. on the first day, October 1, 1979, from Alan Worboys, a claims person speaking for Certain Underwriters at Lloyd’s, London and my practice began. Alan became, and still is, a long time friend. I had nothing to do on October 3, 1979 so I wrote an article for publication. After that, I had no peace and the firm quickly grew to 9 lawyers and a staff to serve them all defending people who were insured and acting as coverage counsel for insurers who needed advice and counsel concerning interpretation of insurance contracts and how to deal with attempted fraud. I, and the lawyers who joined the firm also provided defense to insureds of our clients and defense of suits against the insurers for tort, including the tort of bad faith. I was more successful than I ever expected. I, whose experience was limited to Los Angeles County and Central Illinois, found a need to travel to Taipei, Taiwan and London, England on behalf of my clients. I worked, as I had learned from my father who survived the Depression, 16 hours a day, six or seven days a week. When I became 75 years old my firm had been reduced back to a sole practice and I decided it was time to stop practicing law and become a consultant and fulfill my childhood dream to be an author. I am a very lucky and happy man. I do work that I love. I fulfilled my childhood dreams. I Live in a home I have owned for more than 49 years that my wife and I adapted and increased as children were born to meet our needs. I have the love of my life with me and look forward to celebrating our 57th wedding anniversary next month. I am honored that my eldest daughter has come back to live with us and care for my wife and I who are not able to do everything we used to do. I have three wonderful children, two grandchildren and all live close. My son, and his business shares my office building and has time to visit with me as allowed by his busy schedule. (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 This is a long article so go to https://www.linkedin.com/pulse/i-am-thankful-barry-zalma-esq-cfe-bzysc, to read the full article.
    BARRYZALMA.SUBSTACK.COM
    Subscribe to Excellence in Claims Handling
    A series of writings and/or videos to help understand insurance, insurance claims, and becoming an insurance claims professional and who need to provide or receive competent and Excellence in Claims Handling. Click to read Excellence in Claims Handling, by Barry Zalma, a Substack publication with thousands of subscribers.
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  • The Atlantic has put out an article that Kamala may need to steal the election in order to save democracy. So subvert democracy like she and Obama did by removing Joe Biden and install her with zero votes. Thoughts on this?

    How dangerous is this when over 50% of the country worries about free and fair elections and about 100% of MAGA voters believe elections aren’t fair?

    Last week Trump set a record on Polymarkets betting site by having a 10 point lead over Kamala. Today it rose to 16 point lead. Why do you think Trump is gaining so much momentum even as Kamala is now doing more and more interviews?

    Time Magazine cover

    Speaker Mike Johnson said FEMA has distributed only 2% of the billions of dollars allocated for disaster relief by Congress, after Secretary Mayorkas stated earlier this month that the organization lacks adequate funds to manage disaster relief for the remainder of hurricane season.

    Last night on my daily show I asked if my listeners believed Trump would take action to correct the border on day one. I’ve never seen such a positive response. Today Trump announced a plan to hire 10,000 new Border Patrol agents and said he “will be asking Congress to immediately approve a 10% raise for all agents, along with a $10,000 retention and signing bonus.

    DHS Secretary Alejandro Mayorkas says that Americans should “condemn the rhetoric” suggesting that the Biden/Harris administration would “intentionally allow individuals to cross the border illegally to vote.”

    Kamala Harris got no votes when she ran for president in 2020. She got not primary votes when she ran for president in 2024. The only thing that has really changed is she now has a tracked record that made life more expensive for most Americans and made the country less safe due to the number of illegals that have or had committed crimes now running around in the country. Can she win even with billions being spent to make her look good.
    The Atlantic has put out an article that Kamala may need to steal the election in order to save democracy. So subvert democracy like she and Obama did by removing Joe Biden and install her with zero votes. Thoughts on this? How dangerous is this when over 50% of the country worries about free and fair elections and about 100% of MAGA voters believe elections aren’t fair? Last week Trump set a record on Polymarkets betting site by having a 10 point lead over Kamala. Today it rose to 16 point lead. Why do you think Trump is gaining so much momentum even as Kamala is now doing more and more interviews? Time Magazine cover Speaker Mike Johnson said FEMA has distributed only 2% of the billions of dollars allocated for disaster relief by Congress, after Secretary Mayorkas stated earlier this month that the organization lacks adequate funds to manage disaster relief for the remainder of hurricane season. Last night on my daily show I asked if my listeners believed Trump would take action to correct the border on day one. I’ve never seen such a positive response. Today Trump announced a plan to hire 10,000 new Border Patrol agents and said he “will be asking Congress to immediately approve a 10% raise for all agents, along with a $10,000 retention and signing bonus. DHS Secretary Alejandro Mayorkas says that Americans should “condemn the rhetoric” suggesting that the Biden/Harris administration would “intentionally allow individuals to cross the border illegally to vote.” Kamala Harris got no votes when she ran for president in 2020. She got not primary votes when she ran for president in 2024. The only thing that has really changed is she now has a tracked record that made life more expensive for most Americans and made the country less safe due to the number of illegals that have or had committed crimes now running around in the country. Can she win even with billions being spent to make her look good.
    1 Yorumlar 0 hisse senetleri 1K Views
  • https://forex-strategy.com/2024/10/12/why-do-the-worlds-elite-live-significantly-longer-than-the-rest-and-how-do-they-achieve-it/
    Why do the world's elite live significantly longer than the rest, and how do they achieve it?
    #usa #secrets #life #truth #freespeech #health
    In the following material, you will find out the secret of longevity. How is it that the world's "celebrities" look eternally young and live longer than the rest. What do they do to stay young? No, they don't buy the most expensive creams!
    Here you will find out why 8 million children go missing every year around the world. Here you will learn one of the secrets of planet Earth!
    https://forex-strategy.com/2024/10/12/why-do-the-worlds-elite-live-significantly-longer-than-the-rest-and-how-do-they-achieve-it/ Why do the world's elite live significantly longer than the rest, and how do they achieve it? #usa #secrets #life #truth #freespeech #health In the following material, you will find out the secret of longevity. How is it that the world's "celebrities" look eternally young and live longer than the rest. What do they do to stay young? No, they don't buy the most expensive creams! Here you will find out why 8 million children go missing every year around the world. Here you will learn one of the secrets of planet Earth!
    0 Yorumlar 0 hisse senetleri 1K Views
  • GOOD MORNING FRIENDS AND FOLLOWERS: TODAY'S VIDEOS ARE ABOUT THE SAME TOPIC BUT IN 3 DIFFERENT VIDEOS. IF, FOR ANY REASON, TRUMP DOES NOT GO BACK TO THE WHITE HOUSE, AROUND 2030 THE MANDATE FOR ELECTRIC CARS ONLY IN OUR HIGHWAYS AND STREETS WILL BE IN EFFECT. THE WHOLE THING STARTED UNDER OBAMA WITH A PROGRAM CALLED "CASH FOR CLUNKERS". UNDER THAT PROGRAM, PEOPLE RECEIVED CASH FOR OLDER CARS TOWARD THE PURCHASE OF NEWER, SMALLER CARS. AFTER TRADING, CARS IN PERFECT RUNNING CONDITIONS WERE DESTROYED, SO THEY WILL NEVER BE USED AGAIN. THAT WAS ONE FIRST STEP IN THE "TOTAL TRANSFORMATION OF AMERICA" PROMISED BY OBAMA. TRUMP WINNING IN 2016 WAS LIKE A BIG STONE IN THE WAY FOR THE COMMUNIST-GLOBALIST PLANS OF THE DEMOCRATS. TRUMP HAD TO BE REMOVED BY ANY MEANS NECESSARY, THE "RUSSIA, RUSSIA, RUSSIA" INVESTIGATION DIDN'T WORK, THEN "COVID" CAME IN... YOU KNOW THE STORY. THE WHOLE ELECTRIC CAR MANDATE GOES IN LINE WITH THE "GREAT RESET", THE "15 MINUTES CITIES" AND THE TOTAL CONTROL OF EVERY HUMAN ACTIVITY. JUST LIKE YOUR CELL PHONE, AN ALL COMPUTERIZED ELECTRIC CAR CAN BE TRACED, TRACKED AND STOPPED FROM A REMOTE LOCATION. IT IS THE END OF THE FREEDOM YOU NOW ENJOY WITH A GAS POWERED CAR AND A TANK FULL OF GAS. YOUR LIFE WILL BE CONTROLLED AND IT IS POSSIBLE YOU WON'T HAVE A CAR ANYMORE FOR SO MANY REASONS. THEY ARE TOO EXPENSIVE, THEY DON'T GO FAR, THEY DETERIORATE FASTER THAN CARS RUNNING ON GAS, IN A FEW YEARS, THE REPAIRS MAY AMOUNT TO THOUSANDS OF DOLLARS, NOBODY BUYS A USED ELECTRIC CAR AND REPLACING THE BATTERY IS SO EXPENSIVE, THAT IT IS BETTER TO BUY ANOTHER CAR. WHAT YOU SAVE IN GASOLINE, YOU WILL PAY IN EXCESS ELECTRICITY, IF YOU HAVE A BLACKOUT AND YOUR CAR DIDN'T GET CHARGED ENOUGH, BAD LUCK, YOU WON'T MAKE IT TO WORK. THEY ARE ALSO DANGEROUS: ANY MALFUNCTION CAN MAKE THEM EXPLODE WHILE GETTING CHARGED IN YOUR GARAGE, DESTROYING YOUR HOUSE AND EVEN KILLING YOU AND YOUR FAMILY. IN CERTAIN WEATHER CONDITIONS, LIKE EXTREME COLD, THEY WON'T EVEN START AND IF YOUR AREA IS HIT BY A STORM AND FLOODS, THE CONTACT WITH WATER MAKES THEM EXPLODE AND CATCH FIRE. THEY ARE USELESS IN BAD WEATHER CONDITIONS. SO, THE FIRST VIDEO SHOWS YOU SOME OF THE REASONS WHY THEY ARE FORCING YOU TO CHANGE YOUR HABITS AND GET INTO ELECTRIC VEHICLES. THE SECOND VIDEO EXPLAINS WHY IT IS A BAD IDEA TO BUY THOSE CARS AND THE THIRD VIDEO (TAKEN FROM THE 'X' ACCOUNT OF A FLORIDA COUNTY), SHOWS YOU HOW DANGEROUS THEY CAN BE.
    GOOD MORNING FRIENDS AND FOLLOWERS: TODAY'S VIDEOS ARE ABOUT THE SAME TOPIC BUT IN 3 DIFFERENT VIDEOS. IF, FOR ANY REASON, TRUMP DOES NOT GO BACK TO THE WHITE HOUSE, AROUND 2030 THE MANDATE FOR ELECTRIC CARS ONLY IN OUR HIGHWAYS AND STREETS WILL BE IN EFFECT. THE WHOLE THING STARTED UNDER OBAMA WITH A PROGRAM CALLED "CASH FOR CLUNKERS". UNDER THAT PROGRAM, PEOPLE RECEIVED CASH FOR OLDER CARS TOWARD THE PURCHASE OF NEWER, SMALLER CARS. AFTER TRADING, CARS IN PERFECT RUNNING CONDITIONS WERE DESTROYED, SO THEY WILL NEVER BE USED AGAIN. THAT WAS ONE FIRST STEP IN THE "TOTAL TRANSFORMATION OF AMERICA" PROMISED BY OBAMA. TRUMP WINNING IN 2016 WAS LIKE A BIG STONE IN THE WAY FOR THE COMMUNIST-GLOBALIST PLANS OF THE DEMOCRATS. TRUMP HAD TO BE REMOVED BY ANY MEANS NECESSARY, THE "RUSSIA, RUSSIA, RUSSIA" INVESTIGATION DIDN'T WORK, THEN "COVID" CAME IN... YOU KNOW THE STORY. THE WHOLE ELECTRIC CAR MANDATE GOES IN LINE WITH THE "GREAT RESET", THE "15 MINUTES CITIES" AND THE TOTAL CONTROL OF EVERY HUMAN ACTIVITY. JUST LIKE YOUR CELL PHONE, AN ALL COMPUTERIZED ELECTRIC CAR CAN BE TRACED, TRACKED AND STOPPED FROM A REMOTE LOCATION. IT IS THE END OF THE FREEDOM YOU NOW ENJOY WITH A GAS POWERED CAR AND A TANK FULL OF GAS. YOUR LIFE WILL BE CONTROLLED AND IT IS POSSIBLE YOU WON'T HAVE A CAR ANYMORE FOR SO MANY REASONS. THEY ARE TOO EXPENSIVE, THEY DON'T GO FAR, THEY DETERIORATE FASTER THAN CARS RUNNING ON GAS, IN A FEW YEARS, THE REPAIRS MAY AMOUNT TO THOUSANDS OF DOLLARS, NOBODY BUYS A USED ELECTRIC CAR AND REPLACING THE BATTERY IS SO EXPENSIVE, THAT IT IS BETTER TO BUY ANOTHER CAR. WHAT YOU SAVE IN GASOLINE, YOU WILL PAY IN EXCESS ELECTRICITY, IF YOU HAVE A BLACKOUT AND YOUR CAR DIDN'T GET CHARGED ENOUGH, BAD LUCK, YOU WON'T MAKE IT TO WORK. THEY ARE ALSO DANGEROUS: ANY MALFUNCTION CAN MAKE THEM EXPLODE WHILE GETTING CHARGED IN YOUR GARAGE, DESTROYING YOUR HOUSE AND EVEN KILLING YOU AND YOUR FAMILY. IN CERTAIN WEATHER CONDITIONS, LIKE EXTREME COLD, THEY WON'T EVEN START AND IF YOUR AREA IS HIT BY A STORM AND FLOODS, THE CONTACT WITH WATER MAKES THEM EXPLODE AND CATCH FIRE. THEY ARE USELESS IN BAD WEATHER CONDITIONS. SO, THE FIRST VIDEO SHOWS YOU SOME OF THE REASONS WHY THEY ARE FORCING YOU TO CHANGE YOUR HABITS AND GET INTO ELECTRIC VEHICLES. THE SECOND VIDEO EXPLAINS WHY IT IS A BAD IDEA TO BUY THOSE CARS AND THE THIRD VIDEO (TAKEN FROM THE 'X' ACCOUNT OF A FLORIDA COUNTY), SHOWS YOU HOW DANGEROUS THEY CAN BE.
    Angry
    1
    0 Yorumlar 2 hisse senetleri 2K Views 4
  • Long story short... I had to fly back to the UK to transfer funds to my new (business) bank account here in Korea and then certify it. When you make a transfer of funds between countries, it generates a record called an MT103, and the Koreans want this (among other bits of paper) notarised and then apostilled. Of course, this was the height of the holiday season and only some of the most expensive hotels were available in Cambridge (where my bank is), so just staying there for ten days cost me ₤1,000.00+... and everything there had to go on my VISA... and although legalised docs have now started arriving out here, it's going to take weeks to get them all out here.

    Meanwhile, yesterday was the expiry date on my job seeker visa (I got back from England just three days previously after a ten-hour flight from Munich, had to wait there, like fifteen hours, too...), so I had to get all of the docs for that together post-haste and scramble in for a non-reserved slot. Thankfully we were able to get that all done in about twenty minutes, but I really hate going even to the friendly Korean Immigration Offices.

    Anyway, that's another six months of residency.

    You might be interested in what is apparently allowed by the (D-8, investment) visa. According to my lawyer (!) here, it covers:

    * voice actor
    * publishing business
    * education
    * educational video production

    Not quite what I had envisaged, but we all have to work within limits.

    All of this took place in the lead-up to the annual Chuseok (Harvest) Festival, in which most things are essentially dead from tomorrow (Saturday) until Wednesday next week. These last two weeks have been so tiresome and stressful, I think I'll just stay home this weekend...
    Long story short... I had to fly back to the UK to transfer funds to my new (business) bank account here in Korea and then certify it. When you make a transfer of funds between countries, it generates a record called an MT103, and the Koreans want this (among other bits of paper) notarised and then apostilled. Of course, this was the height of the holiday season and only some of the most expensive hotels were available in Cambridge (where my bank is), so just staying there for ten days cost me ₤1,000.00+... and everything there had to go on my VISA... and although legalised docs have now started arriving out here, it's going to take weeks to get them all out here. Meanwhile, yesterday was the expiry date on my job seeker visa (I got back from England just three days previously after a ten-hour flight from Munich, had to wait there, like fifteen hours, too...), so I had to get all of the docs for that together post-haste and scramble in for a non-reserved slot. Thankfully we were able to get that all done in about twenty minutes, but I really hate going even to the friendly Korean Immigration Offices. Anyway, that's another six months of residency. You might be interested in what is apparently allowed by the (D-8, investment) visa. According to my lawyer (!) here, it covers: * voice actor * publishing business * education * educational video production Not quite what I had envisaged, but we all have to work within limits. All of this took place in the lead-up to the annual Chuseok (Harvest) Festival, in which most things are essentially dead from tomorrow (Saturday) until Wednesday next week. These last two weeks have been so tiresome and stressful, I think I'll just stay home this weekend...
    0 Yorumlar 0 hisse senetleri 2K Views
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