https://americafirstreport.com/zelensky-again-refuses-to-hold-elections-as-most-ukrainians-oppose-war/

https://www.thegatewaypundit.com/2024/11/ww3-watch-one-day-after-first-us-made/

Join me on a deep dive into the enigmatic figure of Lilith, a character that has sparked fascination, fear, and intrigue for centuries. Often depicted as the first woman before Eve, Lilith's story weaves through ancient religious texts, mythologies, and modern interpretations. https://youtu.be/MCL-ZJqbXIc?si=AL75SIiXvGtNRFB9

EUO is a Material Condition Precedent Claim Properly Denied for Refusal to Testify at EUO Post 4936 Read the full article at https://www.linkedin.com/pulse/euo-material-condition-precedent-barry-zalma-esq-cfe-exccc, see the full video at and at and at https://zalma.com/blog plus more than 4900 posts. See the full video at and at Erin Hughes appealed from the grant of summary judgment in favor of defendant and respondent Farmers Insurance Exchange (Farmers) on her causes of action for breach of contract and bad faith arising after Farmers’ denial of Hughes’s property insurance claim because she refused to testify at a second examination under oath (EUO). In Erin Hughes v. Farmers Insurance Exchange, B331168, California Court of Appeals (November 8, 2024) the condition precedent was enforced. FACTUAL BACKGROUND Hughes is the owner of real property in Malibu (the property). In December 2020, Hughes obtained an insurance policy to cover the property for fire loss through the California FAIR Plan Association (FAIR Plan). Also in December 2020, Hughes obtained a homeowner’s insurance policy from Farmers to cover perils other than fire, including losses due to theft (the policy). One month later, in January 2021, the property sustained significant fire damage. Hughes contacted Farmers, which advised her that fire loss was not covered by her Farmers policy, and she would have to pursue any such claim through her FAIR Plan policy. Unhappy, on January 21, 2021, Hughes tendered a theft claim under the Farmers policy, asserting in excess of $2 million worth of personal property was stolen from the property. Farmers ultimately denied the claim on January 5, 2022, on the ground that Hughes failed to cooperate with Farmers’ investigation, including by failing to participate in a second examination under oath as required by the policy. Hughes’s Complaint Against Farmers One week after the denial of her claim, Hughes sued Farmers and alleged Farmers demanded “duplicative, onerous and/or unnecessary” documentation of stolen items. Further, she alleged Farmers subjected her to “two confrontational, accusatory and grueling examinations under oath.” Hughes alleged her second examination under oath had been “suspended due to [her] medical condition,” but Farmers disregarded her condition and demanded a third examination. Farmers’ Motion for Summary Judgment Farmers moved for summary judgment contending it properly denied Hughes’s theft claim based on her failure to cooperate with Farmers’ investigation of her claim as well as her material misrepresentations in obtaining the Farmers policy. In May 2021, as part of Farmers’ theft claim investigation, Hughes participated in an examination under oath. During the examination, Hughes’s counsel informed the Farmers attorney he had just sent more than 40 additional receipts that the attorney would be receiving shortly. Recognizing they would not have time to go through the new items that day and the examination would need to continue on a future date, the Farmers attorney proposed “continu[ing] to work with one another to identify what’s missing.” In response, Hughes and her counsel agreed, with Hughes stating she would be happy to get “every single thing that you need and I’ll send it to my attorney right away.” In October 2021, a second session of the examination under oath was held regarding documentation Hughes had produced during and after the first session. Hughes appeared remotely with counsel and before any questions were asked of her, she objected to a further examination. Hughes accused the Farmers attorney of interrogating her “like a fucking criminal” and stated, “if you want to take my deposition . . . you are going to take a second deposition in court, and that’s going to be a formal deposition.” Hughes’s remote connection then cut out, and her counsel indicated she would not proceed with the examination. Farmers informed Hughes that it was denying coverage based on her failure to cooperate with Farmers’ investigation and particularly her refusal to proceed with the second examination under oath. Trial Court’s Grant of Summary Judgment and Denial of Hughes’s Continuance Request and Motion for New Trial The trial court granted summary judgment in favor of Farmers. Noting an insurer has “an absolute right” to require the insured to submit to an examination under oath “as long as the insurer exercises the right reasonably,” the court determined Hughes had not shown Farmers acted unreasonably. The court concluded summary judgment was appropriate “based solely on failure to cooperate.” DISCUSSION The trial court properly concluded there was no genuine dispute that Hughes’s failure to participate in an examination under oath constituted a material breach of the policy; accordingly, Farmers was excused from having to pay on Hughes’s claim. The right to require the insured to submit to an examination under oath concerning all proper subjects of inquiry is reasonable as a matter of law. An insured’s compliance with a policy requirement to submit to an examination under oath is a prerequisite to the right to receive benefits under the policy. Because Hughes refused to cooperate with Farmers’ investigation by participating in and completing her examination under oath, she cannot establish her own performance under the policy. Breach of Implied Covenant Claim The implied covenant of good faith and fair dealing is based on general contract law and the long-standing rule that neither party will do anything which will injure the right of the other to receive the benefits of the agreement. Hughes’s claim for bad faith fails as a matter of law. ZALMA OPINION Wildfires tend to destroy everything. That is why insurers are unwilling to write fire insurance in Malibu and other areas prone to wildfires and obtain fire insurance from the Fair Plan, an organization designed to cover uninsurable risks. Because of the destruction done by a wildfire or a dwelling fire a $2 million dollar theft loss after a fire is questionable and a good reason to take a thorough EUO. Farmers tried to do so and Hughes refused without reason after admitting she left open much investigation elements at the agreed conclusion of the first session and an agreement to a second only to refuse. (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

Good morning everyone! Just wanted to give you an update on a few things. First thing is that I am now officially on Cameo! https://v.cameo.com/e/ODZlUHu9FOb - So if you want a special shout out, a personalized message or anything else you can book me there! There's also a brand new video going up today and another one will come out either tomorrow or Friday at the latest. I also have a massive collaboration in the works you guys will be stoked on! Other than all that guys I appreciate all of you and I'm doing my best to get caught up on as many comments as I can. I hope I'll see you at the premiere today and I hope I'll see you on Cameo ;) - Kody.

https://americafirstreport.com/former-border-patrol-agent-claims-america-under-the-harris-biden-regime-is-the-worlds-largest-child-sex-trafficking-organization/

IF THESE PEOPLE "TRULY BELIEVE" THEY ARE A WOMEN THEN CUT OFF THE PEN1S AND THEN THERE WILL BE NO "PEN1SES IN THE WOMAN BATHROOM. OTHER WISE THEY ARE JUST MEN DRESSED IN A DRESS... IF YOU TALK THE TALK THEN WALK THE WALK... https://www.nbcnews.com/nbc-out/out-politics-and-policy/sarah-mcbride-first-transgender-congress-delaware-rcna177878

It is TIME to expose the QTard Phenomena. Now you know why most of us affectionately refer to Q followers as QTards. It amazes me that they still have so many devoted followers, when there was no "Plan" to begin with. It was nothing more than a psyop to placate millions of disgruntled Trump supporters who the radical left feared would oust them violently. The same can be said of the X-22 Report. Both are and always were psyops sponsored by the left. Via The Right Side with Doug Billings: Now that we’re basking in the glow of President Trump’s victory… the most significant political comeback in the history of Earth… It’s time to put away, once-and-for-all, the ridiculous theories, nonsense and grifters who put the most significant BS and nonsense forward: 1. Devolution. I called it ridiculous and fiction when it was first put forth by Patel Patriot. Reporting that Trump would return to the presidency before 2024. He scored lots of money from a lot of people on that BS. 2. Anything from “Q.” It’s fantasy of the wildest proportions. Many of the people who got suckered into this fantasy are good-intending Patriots. But many people (Matrix, X22, O’Savin, etc.) made a living grifting from it and many items on this list. Shameful. 3. “The military is running the country.” An abject lie and another wave of clickbait. Derek Johnson is one of the members of the hierarchy of Kooks. Nothing he has put forth on this topic is true. 4. “President Trump is still the president and calling the shots.” Those who put this forth are not only kooks, but crooks. 4. “You can’t vote yourself out of a rigged system.” These people discredited the will of We The People and our Determined Patriotism to correct voter registration rolls and curb cheating at polling stations throughout the country. 5. “Joe Biden can’t fly on Air Force One!” Another BS story designed to get clicks. (Clickbait for the gullible) 6. People who claimed wild and ridiculous stories (such as Damar Hamlin was dead and the person in his place was an actor) that were put forth by the “Jerry Springer” of podcasters - Mr. Peters. 7. The real Joe Biden is dead. Everyone from X22, Stew Peters, Juan O’Savin, Charlie Ward, Nino, Matrix, and the rest of the Jerry Springer class of podcasters. (I had Charlie Ward and Simon Parkes on my show in 2021 when I was starting. Once they made wild claims, they weren’t back on. I have cordial relationships with them, but can’t have them on my show). https://imgflip.com/i/9ays9h

It is TIME to expose the QTard Phenomena. Now you know why most of us affectionately refer to Q followers as QTards. It amazes me that they still have so many devoted followers, when there was no "Plan" to begin with. It was nothing more than a psyop to placate millions of disgruntled Trump supporters who the radical left feared would oust them violently. The same can be said of the X-22 Report. Both are and always were psyops sponsored by the left. Via The Right Side with Doug Billings: Now that we’re basking in the glow of President Trump’s victory… the most significant political comeback in the history of Earth… It’s time to put away, once-and-for-all, the ridiculous theories, nonsense and grifters who put the most significant BS and nonsense forward: 1. Devolution. I called it ridiculous and fiction when it was first put forth by Patel Patriot. Reporting that Trump would return to the presidency before 2024. He scored lots of money from a lot of people on that BS. 2. Anything from “Q.” It’s fantasy of the wildest proportions. Many of the people who got suckered into this fantasy are good-intending Patriots. But many people (Matrix, X22, O’Savin, etc.) made a living grifting from it and many items on this list. Shameful. 3. “The military is running the country.” An abject lie and another wave of clickbait. Derek Johnson is one of the members of the hierarchy of Kooks. Nothing he has put forth on this topic is true. 4. “President Trump is still the president and calling the shots.” Those who put this forth are not only kooks, but crooks. 4. “You can’t vote yourself out of a rigged system.” These people discredited the will of We The People and our Determined Patriotism to correct voter registration rolls and curb cheating at polling stations throughout the country. 5. “Joe Biden can’t fly on Air Force One!” Another BS story designed to get clicks. (Clickbait for the gullible) 6. People who claimed wild and ridiculous stories (such as Damar Hamlin was dead and the person in his place was an actor) that were put forth by the “Jerry Springer” of podcasters - Mr. Peters. 7. The real Joe Biden is dead. Everyone from X22, Stew Peters, Juan O’Savin, Charlie Ward, Nino, Matrix, and the rest of the Jerry Springer class of podcasters. (I had Charlie Ward and Simon Parkes on my show in 2021 when I was starting. Once they made wild claims, they weren’t back on. I have cordial relationships with them, but can’t have them on my show). https://imgflip.com/i/9ays9h

A child in the FIRST GRADE has so much left to learn about LIFE and about surviving in this world! The child needs to learn so much. The child needs to learn the #Truth about how to stay healthy, how to avoid danger, how to earn a living, how to add and subtract,how to read and write his name..... But instead of teaching this child ANY OF THESE REAL WORLD SKILLS THAT HE WILL USE DAILY.... The child will be led into the classroom, seeing the #Globe on his teacher's desk FIRST THING, and then his VERY FIRST ASSIGNMENT will typically be learning of the purely THEORETICAL "Solar System." An UNPROVEN THEORY that directly contradicts the word of YHWH and the child's bible about the LIGHTS IN THE SKY that the child will NEVER interact with, never need to interact with, and has no effect on the child's life whatsoever... with the exception of enjoying their beauty and the light they provide on his earth WHY would this be the VERY FIRST THING YOU TEACH A 6 YEAR OLD CHILD????? Perhaps because you are brainwashing the child into a belief system that goes against all of creation AND the word of Yah??? Perhaps you are indoctrinating this child into an ancient Babylonian SUN #CULT that has existed since before the bible was written... Perhaps you are being funded by a Luciferian, if not the seed of the Devil himself, who gets to choose the curriculum taught to children because he is wealthy beyond belief. Wealthy because he has enslaved the entire world by printing up worthless pieces of paper and convinced humanity that they have value, when in truth it is simply a system of Satanic control! Ever consider THAT??? It is likely the very SAME Luciferian that provides the TEXTBOOKS at BELOW COSTS to assure that he gets to provide the information that EVERY CHILD IN AMERICA must learn! This way he never has any competition... Because most publishers want to at least make a nickel per book... But this Luciferian does not WANT money.... He prints his own money already! What he wants is CONTROL OVER THE MINDS OF CHILDREN! He wants to be certain that children are taught Luciferian doctrines And he wants these children taught WHAT TO THINK..... And not HOW TO THINK! The #Schools in America are for the purposes I mentioned above... THERE IS NO QUESTION... This is all factual! It should be painfully obvious to people, but those people had their own minds usurped by this demonic indoctrination center! You are being "Educated" how to be a "Good little #Slave" with some Luciferian, anti-bible doctrines mixed in, and nothing more. I don't know how else to spell it out for you! I hope that you will at least ponder, and look into what I have told you, it is all factual and true