THIS HAS GOT TO BE STOPPED NOW... NOW THEY ARE ADVERTISING THESE CHILDREN ON FACE BOOK... THIS IS WHY 300,0000 OF THEM ARE MISSING AFTER CROSSING THE BORDER... https://www.compassion.com/

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

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

CANDACE OWENS Disagree with most on this topic, as I am known to be compassionate. I think the Trump campaign should work out a deal with Bill Gates whereby he receives life in prison rather than the more appropriate death sentence for mass murder. Quote Kyle Becker @kylenabecker · Nov 9 Bill Gates says he wants to work with the new Trump administration to "build a better future." What do you say? https://x.com/RealCandaceO/status/1855291027671646294

HIDDEN CAMERA: COPS Threaten DESPERATE Hurricane SURVIVORS We are an illegitimate "authority" to begin with, we are "POLICY ENFORCERS" of the #Corporation of the United States, and we are unthinking, immoral, scumbags who believe that we have more rights than every other American... We are brain dead ZOT-BOTS who "Follow Orders" even when we are fully aware those orders are UNLAWFUL! Instead of arresting the #Criminal who GAVE those orders, we will unlawfully follow those orders to the letter We violate our sworn #Oath on a daily basis because we cannot BOTH "Protect and Defend the #Constitution of the United States" while simultaneously "Enforcing the STATUTES and CODES of our CORPORATE State" Because the "Statutes and Codes" we swear to enforce are REPUGNANT TO THE CONSTITUTION! You CANNOT serve two masters folks! You either uphold your sworn oath to the Constitution.... OR you uphold the STATUTES and CODES of the Criminal Corporate "state" PERIOD! We wear a pentagram on our chest, or some other Satanic symbol, which must have some sort of effect over our minds, because we are ALL pieces of dung without empathy for ANYONE! I know what you'll say.... Some have pentagrams, but other Police and Sheriffs wear badges with 7 pointed stars... and others even wear 8 pointed stars! Well guess what??? ALL of those have Satanic meanings too! Babylonian TALMUD meanings, Greek FALSE GOD meanings, Every FALSE RELIGION on earth holds these symbols to have meanings in their false doctrine! LOOK IT UP! Whatever "training" these individuals have gone through likely involved at least some Satanic ritual abuse AND mind control technology! Because the simple fact of the matter is that they no longer even seem human! Police are just about ALL narcissistic, psychopathic abusers, who have zero empathy or compassion for anyone but themselves! They will gladly DO TO YOU what they would NOT want done to them! It's quite possible that psychopaths seek out positions of authority and control so that they can get away with their evil deeds and crimes.... And it works very well for them since they are NEVER HELD ACCOUNTABLE except in very rare cases, where their deeds draw national attention Scumbags all And these symbols being on a person all the time, and within their line of sight, along with the flashing strobes etc.... certainly has an effect on their subconscious mind and their actions! Plus the lack of accountability just encourages criminal behavior! WHY NOT break the "Law" if you KNOW you won't be punished? https://www.youtube.com/watch?v=Om4uTDe0tcs

IT SHOULD ALWAYS BE AMERICA FIRST... "American resources and American compassion have to go first to American citizens -- Right now, our country is disintegrating from the inside."

God doesn't call the qualified. He qualifies the called. https://imgflip.com/i/93jt3r That doesn't mean God is a Republican, and especially not a Democrat. When you look at the evil, ungodly actions prevalent over the past 5+ decades; perpetrated by democrats, it doesn't take a rocket scientist to understand which party God favors, does it? That is of course, unless you are completely devoid of critical thinking. King David committed adultery with a woman named Bathsheba who consequently became pregnant. Upon learning of Bathsheba's condition, David tried to cover his sin and eventually arranged for Bathsheba's husband, Uriah, to be killed in battle, but God still used him for His Glory. Saul led a violent persecution of the young Christian church in Jerusalem. (Acts 8:1-3) He goes from house to house, dragging men and women off to prison. When believers are found guilty of what is considered to be 'blasphemy', Saul calls for them to be stoned to death (see Acts 26:10). God called him and he became a believer. The conversion of Saul, also known as the conversion of Paul the Apostle, is a well-known story in the Bible that describes how Saul was transformed from a persecutor of Christians to a follower of Jesus. On the road to Damascus, Saul was suddenly blinded by a light from heaven and heard a voice say, "Saul, Saul, why do you persecute me?" The voice identified itself as Jesus, who instructed Saul to go to Damascus and be told what to do. Saul repented and changed his name to Paul; and became one of the leading apostles of Christ. Then there was Peter. He denied knowing Jesus Christ. Not only once, but 3 times, trying to save his own skin. Jesus forgave him and if you know the rest of the story, you begin to understand where I'm going with this. Donald J. Trump is no angel. He committed many sins, just like all of humanity. But the fine line is the truth of the fact he repented and God forgave him. The problem with humans and especially "Never Trumpers" is that they still hold Trump's early life against him. They have set themselves as higher in authority than their Creator, which is blasphemy. When God forgives, he casts His memory of your sins into the "sea of forgetfulness" to be remembered no more. The King James Version (KJV) of the Bible verse that mentions the sea of forgetfulness is Micah 7:19, which says, "He will turn again, he will have compassion upon us; he will subdue our iniquities; and thou wilt cast all their sins into the depths of the sea". Romans 5:1 states, "Therefore, since we have been justified by faith, we have peace with God through our Lord Jesus Christ". Some say that this verse is fundamental to Christianity and that it's important to understand that one is justified by God based on the merits of Jesus Christ. Justification in our Creator's eyes means "Just as if I had never sinned." Matthew 6:14-15 reads, "For if ye forgive men their trespasses, your heavenly Father will also forgive you: But if ye forgive not men their trespasses, neither will your Father forgive your trespasses." ANYONE, Republican or Demoncrat who refuses to heed God's warning will not receive the gift of eternal life; but will be cast into the Lake of Fire; prepared for the devil and his angels for all eternity. If you're in this category, you need to repent. They don't serve breakfast in hell.

Local Springfield Ohio Pastor: I can confirm the stories are true Via: https://x.com/thisisfoster/status/1833628621254119574 “Well, since I work in the Ohio city that is presently all over the news, I suppose a few words are in order. (When I type in the city name, Facebook seems to be blocking it.) For those of you not following, two local Catholic charities have contracted with the federal government to relocate "refugees." (I use quotes, because the local Haitians themselves are telling folks they were recruited for work.) This is publicly disputed, but the evidence is overwhelming. Regardless, at present, 20k Haitians now live in an Ohio town of 60k residents. The results are predictable, and I can confirm the stories are true. Traffic accidents involving Haitian drivers has skyrocketed - property damage, hit and runs, and more. One kid was killed when a driver slammed into a school bus filled with kids. Petty crime is out of control. Stores are locking down merchandise due to rampant theft. Driving without a license is ubiquitous. The schools are chaotic. The local district has had to spend north of $300k on translators. I spoke with a teacher who said there is not nearly enough room in the existing buildings. The real estate market is also crazy. A friend of mine in real estate said that most of the Haitian families have banks cards from somewhere with $20k ear-marked for buying homes. The market was already tight, but now the prices are soaring. Don't get me started on the hospitals. And, yes, the stories about Haitians killing and eating neighborhood cats and ducks from local parks is true. I know situations like this are complicated politically and culturally, but what I get most frustrated about is when people call this kind of policy compassionate. There is not an ounce of compassion in this situation for either the immigrants nor the citizens. The citizens are being ignored, and the immigrants are being manipulated by deep pockets somewhere. It benefits the politically connected elites and business class, and nobody else.” From a pastor friend in Springfield OH

Phew, you put it so succinctly. Spreading this info is so important. As someone working through avoidant issues in myself it is extra disheartening to see how dismissive a lot of people are of people with avoidant tendencies. Anxious attachment folks never seem to get the same amount of vitriol, instead a lot of it is super compassionate. And that only reinforces what we already feel about ourselves, that people aren’t loving, if I’m not perfect people will turn on you and abandon you and the coping mechanism that works for us is to retreat and self soothe. No one should have to cater and suffer or stick around through our healing journey. No one is saying that. All we ask is for patience and grace while we work through it https://www.youtube.com/shorts/NYY5UhCB3no?feature=share