What is BitLife? BitLife is a captivating mobile game that lets you experience the intricacies of life in a fun and interactive way. Also known as a life simulation game, BitLife allows players to make choices that shape their avatar's life, including education, career paths, relationships, and even legal issues. Every decision you make leads to unique outcomes, ensuring that no two lives are alike! How to Play BitLife: A Step-by-Step Guide Creating Your Character First things first: you’ll need to create your character! Upon launching the app, you’ll be guided through the character creation process. You can select various attributes such as gender, nationality, and even region. Want to start your life in Italy or the U.S.? The choice is yours! The diverse backgrounds contribute to the authenticity and fun of the game. Navigating the Life Stages Once you've created your character, the game progresses through various life stages—from baby to toddler, childhood, adolescence, and adulthood. As you age, you’ll receive opportunities and challenges that reflect real-life scenarios (minus the stress!). For instance, you may be faced with school activities, friendships, or family dynamics. Engage in various activities such as studying hard in school, making friends, or getting involved in sports. Each choice will affect your character in the future! Making Choices with Consequences BitLife’s core mechanic revolves around making choices. Will you pursue higher education or drop out of school? Should you focus on becoming a doctor, or is a life of crime more appealing? Each decision has a ripple effect on your character’s happiness, health, and wealth. Feel adventurous? You can also choose to engage in risky behavior. Sneak out of the house, try substances, or start a fight at school! Just remember, every action has consequences—risk management is part of the fun! Building Relationships One of the most exciting aspects of BitLife is the opportunity to build relationships. You can make friends, date, and even start a family. The game allows you to choose your path—will you be a devoted spouse or have countless affairs? Don’t forget about your relationships with family members! Like in real life, maintaining a healthy bond with your parents and siblings can shape your character's happiness. Pursuing a Career As you transition into adulthood, it’s time to select a career! The options are endless—from becoming an artist to a lawyer. You can also take on side hustles to earn extra cash! Don’t shy away from exploring different career routes; with the right choices, you’ll climb the career ladder in no time. But beware! If you neglect your career, you may end up struggling financially. Life Challenges and Events Life isn’t just about choices—it's also filled with unpredictable events! You might experience exciting life milestones, such as getting a promotion or having a child, along with challenges like bankruptcy or breakups. The game keeps you on your toes with random events that add a layer of realism and excitement. Achieving Your Goals Every player has their own unique goals in BitLife. Do you want to die with a net worth of a million dollars? Or maybe you dream of being an influential public figure? The beauty of BitLife lies in its versatility—set your goals and navigate through the ups and downs to achieve them. Conclusion: Experience Life Differently with BitLife! BitLife isn't just a game; it's a chance to immerse yourself in the complexities of life without the risks. With endless choices, thrilling challenges, and unpredictable events, you can live out fantasies or simply enjoy the unusual roads your character may take. Ready to dive into a life filled with possibilities? Join the millions who have embraced this thrilling journey and see where your choices lead you! So, what are you waiting for? Download BitLife today and start crafting the story of your life, one decision at a time. The adventure awaits, and it promises to be anything but ordinary! https://bitlifefree.io/

What is Monkey Mart? In Monkey Mart, you step into the shoes (or should we say paws?) of an adorable monkey entrepreneur. Your mission? To manage your very own market as you navigate a vibrant world filled with lively characters, quirky products, and endless opportunities for growth. Whether you’re a casual gamer or a seasoned strategist, Monkey Mart offers a unique blend of challenges that will keep you engaged from the moment you start. How to Play Monkey Mart 1. Get Started: Setting Up Your Market To kick things off, players will find themselves in a charming, colorful marketplace brimming with potential. Your first task is to set up shop! Choose a location and begin arranging your stalls, displaying an array of enticing products that will attract shoppers. From bananas to berries, each item plays a vital role in your marketplace's success. 2. Hire Your Monkey Crew What’s a market without a dedicated team? As you progress, you'll have the opportunity to recruit a variety of quirky monkey helpers. Each of these adorable companions has unique skills, whether it's speed, organization, or charm, that contribute to your market’s efficiency. Strategically assign tasks—such as gathering supplies or managing customers—to optimize your business operations. 3. Manage Your Inventory Keeping track of your stock is crucial in Monkey Mart. As customers flock to your stalls, you'll need to ensure you have enough products to meet their demands. Are the bananas selling like hotcakes? Better restock! Juggling inventory management and customer service is all part of the thrill, as you learn to predict trends and adjust your offerings accordingly. 4. Serve Customers with a Smile Watch your customers' happiness meter as they browse your market! The key to success is to provide a delightful shopping experience. Make sure to greet them, ensure quick service, and keep the shelves stocked. Happy customers return for more, helping to grow your reputation and your profits! 5. Expand Your Market As you accumulate wealth and resources, the possibilities for expansion are limitless! Upgrade your stalls, increase your product range, or even unlock new areas for business. Explore multiple levels of gameplay, complete challenges, and watch as your small monkey market transforms into a thriving empire! Why You’ll Love Monkey Mart Engaging Gameplay: The combination of strategy and creativity keeps the game fresh and exciting. Adorable Graphics: Charming visuals and lovable sound effects create an immersive and joyful atmosphere. Endless Opportunities: Expand your market, diversify your inventory, and make choices that affect the outcome of your game. Fun Challenges: Regular in-game events and quests keep things lively and encourage you to think strategically. Conclusion: Join the Monkey Mart Adventure Today! In a world where games can often become repetitive, Monkey Mart stands out with its delightful blend of chaos and charm. Whether you’re looking to unwind after a long day or challenge yourself to become the best monkey merchant out there, this game delivers on all fronts. So, what are you waiting for? Unleash your inner entrepreneur, gather your monkey crew, and watch as your market grows from a simple stand to a bustling business! Dive into the world of Monkey Mart and experience the fun today! Visit Monkey Mart to start your adventure! Join the community of fellow players, share your experiences, and forge friendships as you explore, compete, and thrive in this whimsical marketplace. The bananas are ripe for the picking—get started now! https://monkeymart.lol

Friday, December 6, 2024 Bishop Robert Barron Cycle C Advent 1st wk of Advent Bible References Matthew 9:27-31 Friends, today in our Gospel, two blind men beg Jesus to heal them. Blindness in the Bible is very often a symbol of spiritual blindness: the incapacity to see what truly matters. Focused on the worldly goods of wealth, pleasure, power, and honor, most people don’t see how blind they are to the truly important things: giving oneself to the grace of God and living a life of love. If you have not surrendered to the grace of God, you are blind. How wonderful it is, then, that these men in the Gospel can cry out to Jesus in their need. They are, of course, making a petition for physical healing, but it’s much more than that for us. It’s asking for that one thing that finally matters: spiritual vision—to know what my life is about, to know the big picture, to know where I’m going. You can have all the wealth, pleasure, honor, and power you want. You can have all the worldly goods you could desire. But if you don’t see spiritually, it will do you no good; it will probably destroy you. Gospel Reflections Meditate on Daily Gospel Reflections from Bishop Robert Barron

NOAA CSL Chemical Sciences Laboratory (#NASA criminals) 2023 News & Events For Stratospheric Aerosol Injection, All Strategies are Not Created Equal NONE OF THIS BS IS DESIGNED TO "REDUCE CLIMATE CHANGE" Because "Climate Change" is BS to begin with! Or at least IT WAS until the military started spraying toxins into the atmosphere! The people responsible for this need to be EXECUTED for #CrimesAgainstHumanity These demons are literally poisoning every man, woman, and child on earth! Want to know why the wealthy scumbags are buying bunkers 100 feet below ground???? Likely to escape the "RAID" being sprayed all over their fellow man!' That would be my guess! These planes are legitimate TARGETS in my view! They are HOSTILE enemy forces seeking to kill you! And should be treated as such! https://csl.noaa.gov/news/2023/390_1107.html

"Trained As A Spy At 10” - Sex Trafficking Survivor Anneke Lucas NAMES Her Billionaire Abusers 1.1 million views Premiered Nov 25, 2024 PBD Podcast (David Rockefeller was an elite pedophile.) This intense and emotional interview with Patrick Bet-David and Anneke Lucas dives into shocking allegations surrounding global networks, human trafficking, and powerful elites. Anneke shares her harrowing story of survival, detailing claims of abuse, manipulation, and mind control within a hidden, dark system. This conversation sheds light on the disturbing realities of missing children, corruption, and the complex psychology of healing after unimaginable trauma. With names of prominent figures and institutions woven into her account, Anneke reveals a chilling perspective on the shadowy connections between wealth, power, and exploitation. Viewer discretion is advised as this discussion is deeply unsettling but profoundly important. https://rumble.com/v5tl3vq-trained-as-a-spy-at-10-sex-trafficking-survivor-anneke-lucas-names-her-bill.html

https://thewashingtonstandard.com/by-and-for-the-ultra-wealthy-here-are-the-billionaires-set-to-run-trumps-administration/

THEY ARE DETERMINED TO MURDER ALL OF US!!!... => WE MUST ALERT EVERYONE TO THE FACT THAT THEY ARE DETERMINED TO MURDER ALL OF US!!!!!... IF THEY CAN KILL ALL "AMERICANS, AND, SIMULTANEOUSLY REPLACE "US" WITH ALL THE NEW "ILLEGAL ALIENS",... WE ALL LOSE EVERYTHING!!! AMERICA WILL BE GONE, ...REPLACED BY MILLIONS OF SLAVES, WITH NO RIGHTS, NO PROPERTY, NO LAND, NO WEALTH, NO WEAPONS, NO CHANCE, NO FUTURE EXCEPT AS PERPETUAL SLAVES!!! 💩💥

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

Zalma’s Insurance Fraud Letter September 15, 2024 Zalma’s Insurance Fraud Letter A ClaimSchool™ Publication © 2024 Barry Zalma & ClaimSchool, Inc. Read the full issue at https://www.linkedin.com/pulse/zalmas-insurance-fraud-letter-november-15-2024-barry-zalma-esq-cfe-cxkycVolume 28, Issue 21 – November 15, 2024 “Honor, justice, and humanity, forbid us tamely to surrender that freedom which we received from our gallant ancestors, and which our innocent posterity have a right to receive from us. We cannot endure the infamy and guilt of resigning succeeding generations to that wretchedness which inevitably awaits them if we basely entail hereditary bondage on them.” Thomas Jefferson Insurance Fraud Requires Doctor to Lose his License Sexual Misconduct, Fraud, Bribery & Unnecessary Surgery Revokes License Louis Quartararo appealed from an August 22, 2022 final agency decision of the State Board of Medical Examiners (Board), revoking his license to practice medicine and surgery in New Jersey. The Superior Court of New Jersey, in In The Matter Of The Suspension Or Revocation Of The License Of Louis Quartararo, M.D. License No. 25MA07137700 To Practice Medicine And Surgery In The State Of New Jersey, No. A-0425-22, Superior Court of New Jersey, Appellate Division (October 31, 2024) affirmed the revocation. The Board charged Dr. Quartararo with engaging in sexual contact with patients; negligent acts by performing surgeries with co-surgeons who lacked the requisite privileges; and acts of fraud, deception and misrepresentation by miscoding procedures on patient operative reports and listing procedures in the reports he had not performed for the purpose of ensuring insurance coverage. FACTS Quartararo was a physician and Board-certified orthopedic surgeon licensed to practice medicine in New Jersey. Approximately one week before K.D. was scheduled to meet with Board investigators, Quartararo gave K.D. $20,916, which K.D. told an investigator was “for school.” Later, Quartararo’s attorney offered her more money to retract the statement she had made to the Board about her relationship with Quartararo. THE OAL HEARING At a formal hearing, the Board’s expert, Dr. Ashraf addressed Quartararo’s treatment of patient Y.O. revealed that the surgical procedures Quartararo performed were not medically necessary. In reviewing the description of Quartararo’s procedure on Y.O.’s spine, Dr. Ashraf concluded that Quartararo’s surgery on Y.O.’s completely normal spine “is gross negligence.” Regarding the fraud claims alleging that Quartararo had failed to properly code surgical procedures that he performed on E.S., D.C., Y.O., L.V., D.E., and V.C., Dr. Ashraf testified that the “whole function” of the “operations” section on the first page of the operative report was to list the procedures that were performed during the operation and he testified that, despite “laminotomy” appearing on the first page of V.C.’s and D.C.’s reports, their post-surgery MRIs revealed that laminotomies had not been performed. THE ALJ’S DECISION The Administrative Law Judge (ALJ) issued a comprehensive seventy-nine-page decision and concluded that Quartararo had “engaged in gross malpractice, professional misconduct, failure to comply with regulations administered by the Board, and failure to be of good moral character.” On August 22, 2022, the Board filed its final decision, revoking Quartararo’s license for a minimum of seven years from the date of voluntary surrender, April 5, 2019. The Board concluded that Quartararo’s “misconduct warrants a serious penalty in excess of that recommended by [the ALJ]” and that he “flagrantly ignored, and in fact shattered professional norms when he engaged in sexual misconduct with patients Y.R. and K.D.” The Board found Quartararo’s conduct was “so egregious that the only appropriate discipline is a license revocation.” The Board also imposed an aggregate monetary sanction of $343,909.75, comprised of a civil penalty of $90,000, $61,684.75 in costs, and $192,225 in attorney’s fees. Quartararo Argued The Board determined that revocation was warranted because he preyed on two vulnerable patients employed intimidation and coercion tactics to dissuade at least one of his victims-K.D.- from testifying about the true nature of their relation and resorted to making threats resulting in the issuance of a temporary restraining order against him. Quartararo admitted he had not performed laminotomies and that he had used the laminotomy code to ensure that he would be paid by insurance carriers. He did so rather than correctly coding the procedures he actually performed because of the risk he would otherwise not be paid. ZIFL OPINION Quartararo admitted before the ALJ that he committed fraud by billing insurers for laminotomies that he did not perform. As such he admitted to committing a federal as well as a New Jersey felony that should be presented to the US Attorney and the local District Attorney for prosecution. He lost his license because he took advantage sexually of vulnerable patients, committed gross acts of malpractice and profited from knowing insurance fraud. The people of New Jersey are now safe from his criminal and unprofessional conduct for a few more years, and in my opinion he should be prosecuted and sentenced to prison for the fraud. Read the full issue at https://www.linkedin.com/pulse/zalmas-insurance-fraud-letter-november-15-2024-barry-zalma-esq-cfe-cxkyc IT PAYS INSURER DEFENDANTS TO INVESTIGATE INJURY CLAIMS In Chris Kallco v. Melissa Lynn Pugh, Chris Kallco, and Precise Mri Of Michigan, LLC v. Citizens Insurance Company Of The Midwest and Melissa Lynn Pugh, No. 368156, Court of Appeals of Michigan (October 30, 2024) affirmed the trial court’s decision. Plaintiff appealed from two orders granting summary disposition in favor of defendants even though he failed to respond to either motion. FACTUAL BACKGROUND This case arises out of a motor vehicle accident that occurred on March 9, 2020 involving plaintiff and Pugh. Plaintiff alleges that he sustained injuries from the accident. A year after the accident, plaintiff brought a negligence claim against Pugh, alleging that, because of Pugh’s negligence, plaintiff sustained “severe permanent and progressive personal injuries and serious impairment of a body function, including but not necessarily limited to: Head, Neck, Back, Shoulders ….” Plaintiff also brought a claim against Citizens for PIP benefits, including medical expenses, work loss, and replacement services. Pugh and Citizens moved for summary disposition arguing that plaintiff could not meet his burden of showing that he sustained a threshold injury under the no-fault act and, therefore, he could not maintain his negligence claim against her. Pugh submitted the deposition testimony of the plaintiff and the report of an independent medical examination (IME) conducted by Dr. James Bragman on December 27, 2021. Dr. Bragman further observed that plaintiff had “near full range of motion” in his neck and that he was “eminently capable” of standing and touching his toes despite his refusal to do so. Dr. Bragman noted that plaintiff had “very little” medical treatment documented in his records and that he had been undergoing physical therapy for six months with no medical basis for doing so. An investigator’s report includes pictures of plaintiff walking, riding a child’s bicycle, squatting, bending over, lifting a bicycle out of a minivan unassisted, playing with a dog, driving a car, and twisting his neck. Citizens’ motion argued that plaintiff made material misrepresentations to Citizens regarding the extent of his injuries, which rendered him ineligible for benefits. The trial court found that, based upon the evidence presented, plaintiff failed to establish that he sustained a serious impairment of body function and therefore summary disposition in favor of Pugh was appropriate. THRESHOLD INJURY Plaintiff argued that the trial court erred by granting summary disposition in favor of Pugh. Under the no fault statute, the threshold question of whether the person has suffered a serious impairment of body function should be determined by the court as a matter of law as long as there is no factual dispute regarding the nature and extent of the person’s injuries that is material to determining whether the threshold standards are met. Plaintiff was obligated to respond to Pugh’s motion in order to meet his burden of demonstrating that a fact question existed as to whether he suffered a serious impairment of body function. The parts of plaintiff’s deposition identified by Pugh do not establish a genuine issue of material fact as to whether he suffered a serious impairment of body function. The relevant portions of plaintiff’s deposition testimony fail to rebut the evidence and instead set forth, at best, mere subjective complaints of pain. FRAUDULENT INSURANCE ACT The fraud statute finds that a person who presents or causes or to be presented an oral or written statement knowing that the statement contains false information concerning a fact or thing material to the claim commits a fraudulent insurance act under that is subject to the penalties imposed under the statute. A claim that contains or is supported by a fraudulent insurance act as described in this subsection is ineligible for payment of PIP benefits. An individual commits a “fraudulent insurance act” when: (1) the person presents or causes to be presented an oral or written statement, (2) the statement is part of or in support of a claim for no-fault benefits, and (3) the claim for benefits was submitted to the MAIPF. Further, (4) the person must have known that the statement contained false information, and (5) the statement concerned a fact or thing material to the claim. ZIFL OPINION The evidence presented by the defendants were damning since they established the injuries claimed were false. Plaintiff failed to respond to the motions to his detriment and sought reconsideration without any admissible evidence that he was truly injured. The defendants established that the Plaintiff committed fraud and he is lucky that this was a civil finding not a criminal proceeding that, in my opinion, should be presented by the prosecutor. More McClenny Moseley & Associates Issues This is ZIFL’s thirty seventh 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 conduct to profit from insurance claims relating to hurricane damage to the public of the state of Louisiana. Health Insurance Fraud Convictions Pharmacist and Brother Convicted of $15M Medicare, Medicaid, and Private Insurer Fraud Scheme Raad Kouza, a pharmacist in Wayne County, Michigan, and his brother, Ramis Kouza, of Oakland County, Michigan, billed Medicare, Medicaid, and Blue Cross Blue Shield of Michigan for prescription medications that they did not dispense at pharmacies they owned or operated in Michigan. A federal jury convicted the pharmacy owner and his brother November 8, 2024 for conspiracy to commit health care fraud and wire fraud. Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf Indicators of Bad Faith Set Up Some of the more common red flags of a bad faith set-up include the following: The claimant makes a policy limits settlement demand quickly after an accident, thereby depriving the insurer of the ability to conduct a full investigation. Quick demands that are combined with a limited amount of time to accept, again, in the hopes that records cannot be obtained and the investigation cannot be completed within that limited time period, and the settlement will be refused. The claimant makes a settlement offer with one or more unusual acceptance conditions. The involvement of the claimant’s counsel pre-dates certain medical or psychiatric care (e.g., testing and treatment for alleged mild traumatic brain injury) Read the full article and the full issue of ZIFL at http://https//zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024.pdf Convictions of Other Than Health Insurance Fraud Star in Reality TV Series Pleads Guilty Crop Insurance Fraud Steve A. McBee, 52, waived his right to a grand jury and pleaded guilty to a federal information that charges him with one count of federal crop insurance fraud. McBee, a Missouri farmer who appears in a reality TV show about his family’s farming operation pleaded guilty this week to a multi-million dollar fraud scheme involving federal crop insurance benefits. Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf Chutzpah – STOLI Fraudster Claims Hardship Felon Seeks Release from Home Confinement in Luxury Apartment in New York City Insurance Fraud is a serious crime, especially when it takes advantage of the elderly to defraud insurers in a Stranger Originated Life Insurance (STOLI) scheme. In United States Of America v. Michael Binday, No. 12 CR 152 (CM), United States District Court, S.D. New York (November 4, 2024) the defendant continued to use the wealth he gained from his fraud to impose on the courts of the United States with frivolous and unfounded motions. Read the full article and the full issue of ZIFL at https://zalma.com/blog/wp-content/uploads/2024/11/ZIFL-11-15-2024-1.pdf Barry Zalma, Esq., CFE 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.

Chutzpah – STOLI Fraudster Claims Hardship Felon Seeks Release from Home Confinement in Luxury Apartment in New York City Post 4931 Read the full article at https://www.linkedin.com/pulse/chutzpah-stoli-fraudster-claims-hardship-barry-zalma-esq-cfe-8jbhc, see the full video at and at and https://zalma.com/blog plus more than 4900 posts. Insurance Fraud is a serious crime, especially when it takes advantage of the elderly to defraud insurers in a Stranger Originated Life Insurance (STOLI) scheme. In United States Of America v. Michael Binday, No. 12 CR 152 (CM), United States District Court, S.D. New York (November 4, 2024) the defendant continued to use the wealth he gained from his fraud to impose on the courts of the United States with frivolous and unfounded motions. BACKGROUND Michael Binday was sentenced to 144 months’ imprisonment after being found guilty of conspiracy to commit mail and wire fraud, as well as actual mail and wire fraud. The evidence at trial established that Binday led his codefendants in a scheme designed to procure “stranger-originated life insurance” (or “STOLI”) policies-policies on the lives of seniors for the benefit of investors who were strangers to them- by means of fraudulent applications. Binday spent the first five years of his sentence at FCI Otisville. But in September 2021, during the height of the COVID-19 Pandemic, the Bureau of Prisons released Binday to serve his sentence on home confinement. Thus, Binday has spent the last three-plus years serving his sentence in his luxury apartment on the upper westside of Manhattan. His sentence is scheduled to end on September 20, 2025. Binday filed: (1) a motion for compassionate release and (2) a motion pursuant to Rule 60(b) of the Federal Rules of Civil Procedure seeking to vacate the judgement of this Court dated May 23, 2018, denying his first petition. Michael Binday and his two codefendants, James Kergil and Mark Resnick, were found guilty of conspiracy to commit mail and wire fraud; mail fraud; and wire fraud in connection with a scheme to defraud insurance companies which the defendants purported to serve as agents. Binday led his codefendants in a scheme designed to procure “stranger-originated life insurance” (or “STOLI”) policies-policies on the lives of seniors for the benefit of investors who were strangers to them- by means of fraudulent applications. Over the course of their scheme, the defendants submitted at least 92 fraudulent applications, resulting in the issuance of 74 policies with a total face value of over $100 million. These policies generated roughly $11.7 million in commissions to the defendants. Binday was sentenced to 144 months’ imprisonment. BINDAY SURRENDERS Binday surrendered on July 1,2016, to FCI Otisville to commence his term of imprisonment and immediately filed motions for compassionate release, reversal of his convictions, and multiple other motions. On July 1, 2024, Binday-who is serving his sentence in his Manhattan apartment- filed a renewed motion for compassionate release. Binday Failed to Demonstrate Extraordinary and Compelling Circumstances As a threshold matter, it is worth emphasizing that Binday is not asking to be released from prison, but rather, to be relieved of the inconveniences associated with the rules of home confinement. He has served the last 38 months in his apartment on the upper west side of Manhattan (not at all what the Court intended when he was sentenced). How much more inconvenient it would be if he were back at Otisville- where the Court intended that he would serve his sentence. Binday’s crimes were serious. As the court explained when he was sentenced to 144 months in prison: Venality, rampant mendacity, the creation of false documents, obstruction of efforts by the victims to ascertain the truth, obstruction of regulators and the government’s efforts to learn the truth, Binday’s actions were precisely the sort of criminality that has left large segments of our society convince that all businessmen are crooks. Insurance fraud may not qualify as a crime of violence within the meaning of the federal sentencing system and that, unfortunately, is why it is all too often punished not with the severity that it deserves. As it is, Binday’s home confinement means that he is subject to far less stringent conditions than he would be otherwise. In that regard, he got more of a break than he deserves. The motion for compassionate release was denied. ZALMA OPINION STOLI fraud is a type of fraud on insurers that effects the straw buyers, usually older men and women who have no need for life insurance, is a truly venal act that deserves serious punishment. Binday stole millions from insurers, owns a luxury apartment in the Upper West Side of New York, and wants to be released from the confinement when he should have stayed in federal prison. He has abused the courts with his multiple motions and appeals and will serve out the remainder of his sentence and the DOJ and FBI should look into his current conduct since there is, in my opinion, the possibility that he is funding his attorneys fees with more fraud. (c) 2024 Barry Zalma & ClaimSchool, Inc. Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos. Subscribe to my substack at https://barryzalma.substack.com/subscribe Go to X @bzalma; Go to Newsbreak.com https://www.newsbreak.com/@c/1653419?s=01; Go to Barry Zalma videos at Rumble.com at https://rumble.com/account/content?type=all; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg Go to the Insurance Claims Library – https://lnkd.in/gwEYk