CHRISTMAS NOEL INSTRUMENTAL 1. https://rumble.com/v5yhjdh 2. https://ugetube.com/watch/GBRSYTJ3wVtQA84 3. https://old.bitchute.com/video/iXibatHzO6Hx/ - https://www.bitchute.com/video/iXibatHzO6Hx/ Merry Christmas, Joyeux Noël, عيد ميلاد مجيد, کریسمس مبارک, क्रिसमस की बधाई, 圣诞节快乐, חג מולד שמח, 메리 크리스마스, สุขสันต์วันคริสต์มาส, God jul, Frohe Weihnachten, Καλά Χριστούγεννα, メリークリスマス, Buon Natale, Feliz Natal, Feliz Navidad, С Рождеством, Շնորհավոր Սուրբ Ծնունդ, ပျော်ရွှင်ဖွယ်ရာခရစ္စမတ်, Maligayang Pasko, Selamat natal, Mutlu Noeller... 01 Cloches DE L'Eglise Du Christ-Roi De Mannheim 02 Douce Nuit Sainte Nuit 03 Le Houx Et Le Lierre 04 I Heard The Bells On Christmas Day 05 Joie Dans Le Monde 06 Le Premier Noel 07 O Sanctissima 08 Ding Dong Merrily On High 09 Carol Of The Bells 10 Falalalala Deck The Halls 11 Les Anges Dans Nos Campagnes 12 God Rest Ye Merry Gentlemen 13 The Conventry Carol 14 We Three Kings Of Orient Are 15 Minuit Chretiens 16 La Promenade En Traineau 17 Promenade En Traineau 18 The Twelve Days Of Christmas 19 Au Royaume Du Bonhomme Hiver 20 It's Beginning To Look A Lot Like Christmas 21 C'Est L'Hiver 22 The Christmas Song 23 What Child Is This 24 Christmas Eve Jig 25 Away In The Manger 26 Christmas Sarabande 27 Bells Toll In Bethlehem 28 O Little Town Of Bethlehem 29 O Divin Redempteur 30 I Wonder As I Wander 31 I'll Be Home For Christmas 32 My Favourite Things 33 Danse De La Fee Dragee 34 White Christmas 35 O Christmas Tree Mon Beau Sapin 36 Have Yourself A Merry Little Christmas 37 A Christmas Waltz 38 Adeste Fideles 39 We Wish You A Merry Christmas MORE CHRISTMAS VIDEOS: 1. https://www.bitchute.com/playlist/gaVIqlhVwSHq/ 2. https://ugetube.com/watch/cROnBk84qNCzGFi/list/dEeLjGNMFjg6ae6 3. https://rumble.com/playlists/TBG3AJ0SOco MORE MUSIC VIDEOS: 1. https://www.bitchute.com/playlist/s7ayaFBQfkLV/ 2. https://ugetube.com/watch/WkA67m7ChPD4b1B/list/iXGntOYjjasQDNZ 3. https://rumble.com/playlists/KcuR3dhccfk #Christmas #Noel #HappyHolidays #MerryChristmas #JoyeuxNoel #DouceNuitSainteNuit #ChristmasMusic #Music #RenaudBe Christmas, Noel, HappyHolidays, MerryChristmas, JoyeuxNoel, DouceNuitSainteNuit, ChristmasMusic, Music, RenaudBe

5 Troy Anderson Yet accession 66 OVR amateur on the list! Anderson was a second-round aces for the Falcons in 2022 and is aloof cat-and-mouse for gamers to aces him, and he will actualization his prowess. His 6’4’ anatomy and solid authentic ancestry achieve him the go-to apostle for any scheme. He has an activity of 87, dispatch of 92, and 85 change of direction, all at the top position or advancing the top position on the MLB position board. Akin if he may not be abundant of a Blitzer, gamers can calmly ascendancy him during advantage or aback breaking up the passes over the boilerplate of the field. 4 Nolan Smith Nolan Smith adeptness be a rookie, but afterwards falling to the end of the aboriginal annular in the abstract in 2022, he is added acquirable than abounding bodies think. He is a brilliant in the making, with a 95 jumping, 81 change of direction, and 93 speed, which acme all LOLB. Akin if he is not a ascendant canyon rusher immediately, his 71 acumen moves are a top-building block. With this speed, you will absolutely get some user sacks about the bend as you accommodate accession to bead into coverage. 3 De’Von Achane Another speedster with 91 agility, 94 acceleration, and 95 speed! De’Von Achane is amid the top bristles halfbacks in Miami, proving he is not aloof any player. His OVR of 76 is about high, abnormally aback he is a third-round rookie. Great Sports Administration Amateur That Are Not Football Manager In accession to his physicals, he has a 92 carrying, which is absorbing for a rookie, and 65 catches, which makes him aloof acceptable abundant to achieve plays in the adventitious game. However, gamers should burden from allurement him to do too abundant blocking, as his 45 canyon is not so exemplary. 2 Myles Garrett A affiliate of the 99 club who wreaks calamity off the edge, Myles Gyaret is a accelerated bend rusher who gamers can use as a backfield disruptor. By abacus him to defense, gamers can about be abiding to be offered a 2023 first-rounder. To achieve the best out of the player, gamers should add him to a aegis in the advanced seven with little to no assault adeptness and speed. Also, he may be a acceptable advantage if a gamer controls a low-rated aggregation like Detroit, Jacksonville, or New York. 1 Aaron Donald Experts accede Aaron Donald the best autogenous arresting lineman to anytime comedy in Madden NFL 25, and it is accessible to see why. He maintained his run of 99 Club inclusions in 23 and may not bead these ethics until his retirement. To admission Donald from the division, gamers should activity Jimmy Garappolo, who has an OVR of 70. His acceptability and achievement are not commodity to overlook. He has All-Pro selections and nine Pro Bowl nods to his name. These, calm with his three Arresting Amateur of the Year Awards, Super Bowl LVI ring, and a Arresting Amateur of the Year honor, achieve him a amateur to ache for. He is the abandoned 99 all-embracing arresting lineman in Madden 25, arch a accumulation that includes ascendant Arresting Amateur of the Year Nick Bosa. Madden NFL 25 Franchise Madden NFL Platform(s) PC , PS5 , PS4 , Xbox Alternation X , Xbox Alternation S , Xbox One Arise August 18, 2023 Developer(s) EA Tiburon Madden NFL 25-Suffers from Austere Bugs That Accept Been Afflictive the Authorization for Years As always, MMOexp.com offers you a safe and cheap Madden 25 Coins service.

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STEROIDS ARE AWESOME!! Yeah.... if you want your stuff to shrivel up like acorns and you want to be a "Roid Rager" like most of your local #Police! Ever notice how the BALD cops are always the REAL SCUMBAGS??? The Roids CAUSE HAIR LOSS! https://old.bitchute.com/video/kTpn3pfdtsju/

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

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Detroit’s Ghost Towns: Inside the Abandoned Neighborhoods America's #1 #ShitholeCity

The term LD stands for Lunar Distance, which is a unit of measurement used in astronomy to express the distance between the Earth and the Moon. One LD is approximately 384,400 kilometers (or about 238,855 miles), the average distance from the Earth to the Moon. When discussing asteroid distances in terms of LD, it indicates how far the asteroid is from Earth relative to the Moon's distance. For example: 0.5 LD means the asteroid is half the distance from the Earth to the Moon (about 192,200 kilometers). 1 LD means the asteroid is at the same average distance as the Moon. 10 LD means the asteroid is ten times farther away than the Moon's average distance. Why is LD used for asteroids? Using LD is a convenient way to quickly understand the proximity of asteroids to Earth, especially for Near-Earth Objects (NEOs). It provides a clear, relatable frame of reference since the Moon is a familiar benchmark. For instance: An asteroid passing at 0.1 LD (about 38,440 kilometers) is considered a very close approach. An asteroid at 5 LD (1,922,000 kilometers) is farther but still monitored, depending on its size and trajectory.

"HIPPO-CRITE" ON STEROIDS!!!!.... 💩💥 https://media.gab.com/cdn-cgi/image/width=568,quality=100,fit=scale-down/system/media_attachments/files/168/777/905/original/e633db73b4e1b3f4.jpg