This is what effective propaganda looks like. And the true effect was even greater, because the ‘real world’ numbers used to calculate how badly people exaggerated the risks of Covid were of course themselves derived from. . . the world’s preeminent propaganda organizations (masquerading as public health agencies). Who were themselves already wildly exaggerating the risks of Covid. https://brownstone.org/articles/idiots-guide-to-cooking-data-for-aspiring-propagandists/

USAA Punished for it Claims Handling Punitive Damages Should be Awarded With Caution and Within Narrow Limits Read the full article at https://www.linkedin.com/pulse/usaa-punished-claims-handling-barry-zalma-esq-cfe-nbp2c, see the full video at and at and at https://zalma.com/blog plus more than 4950 posts. Posted on December 19, 2024 by Barry Zalma DISPUTE OVER HURRICANE DAMAGES RESULTS IN MAJOR PUNITIVE DAMAGES FOR BAD FAITH Although he Mississippi Supreme Court recognized the need to only award punitive damages with caution and within narrow limits, it did not limit its award in accordance with that maxim. After almost 19 years of litigation the last appeal resolved the various disputes. FACTS Hurricane Katrina destroyed Paul and Sylvia Minor’s home on August 29, 2005. The Minors had a homeowner’s insurance policy with United Services Automobile Association (USAA). The USAA policy covered damage caused by wind but excluded damage caused by storm surge or flood. The Minors reported their loss with USAA, which resulted in a years-long coverage dispute. USAA ultimately issued payments for damage it concluded was caused by wind but not for damage it concluded was caused by storm surge or flood. The Minors maintained that they suffered a total loss caused by wind and demanded that USAA pay the policy limits. The case proceeded to trial in 2013, and the jury awarded the Minors $1,547,293.37 in compensatory damages. In United Services Automobile Association v. Estate Of Sylvia F. Minor, Kathryn Minor and Stephen Minor, No. 2023-CA-00049-SCT, Supreme Court of Mississippi, En Banc (December 5, 2024) resolved the bad faith claims. The issue was ultimately presented to a jury. The jury awarded the Minors $10,000,000 in punitive damages and $457,858.89 in extra-contractual damages (solely attorneys’ fees). USAA appealed, raising several assignments of error. Trial To establish its bad faith claim, the Minor Estate introduced various USAA documents, including (1) portions of the USAA underwriting file; (2) the confidential email regarding (a) the engineer’s March 2006 findings and (b) Bergstrom’s conclusion that USAA would be responsible for paying for all the windows and the contents in rooms with windows; and (3) USAA’s letter to the Minors in June 2006 indicating the majority of damage was due to flooding. Punitive Damages Punitive damages are considered an ‘extraordinary remedy’ and should be awarded ‘with caution and within narrow limits.'” The Supreme Court found that the evidence presented at trial demonstrates a type of conduct for which punitive damages were designed. The Minor Estate provided sufficient proof that USAA acted in bad faith, with complete disregard for the Estate’s rights. Whether The $10 Million Punitive Damages Award Should Be Reversed Or, Alternatively, Reduced. USAA alternatively argues that the $10 million verdict should be reduced because it claims that the damages award is a 22:1 ratio and therefore unconstitutionally disproportionate to the extra-contractual damages awarded ($457,858.89). USAA relies on State Farm Mutual Auto Insurance Co. v. Campbell, 538 U.S. 408, 425, 123 S.Ct. 1513, 1524, 155 L.Ed.2d 585 (2003), which states that “[s]ingle-digit multipliers are more likely to comport with due process.” USAA argued that a 1:1 ratio should apply to the damages award here. The Supreme Court found that punitive damages is less than seven times the amount of compensatory damages, which it concluded clearly falls within the guideline provided in Campbell. A punitive damages award not only serves as a deterrent, it also compensates the plaintiff for its public service in bringing the action. The Supreme Court found the trial court’s decision to force the Minor Estate to use nearly half of its award to pay attorneys’ fees does not adequately compensate the Estate for bringing this action against USAA for its bad faith conduct in handling the Minors’ insurance claim from 2005. Therefore, the Supreme Court concluded that the trial court erred by denying the Estate’s post-trial motion for attorneys’ fees. CONCLUSION In sum, the trial judge did not err as a matter of law by submitting the issue of punitive damages to jury, and the $10 million award of punitive damages is not unconstitutionally disproportionate. The Supreme Court affirmed the jury verdict awarding the Minor Estate $10 million in punitive damages and $457,858.89 in extra-contractual damages as to attorneys’ fees and reverse the judgment of the trial court and render attorneys’ fees on behalf of the Estate in the amount of $4,500,000, plus post-judgment interest at an annual rate of 4 percent from October 3, 2022, the date of judgment, until paid. ZALMA OPINION This case that dragged on through the courts of Mississippi for 19 years and resulted in compensatory damages based upon an interpretation finding coverage for the estate and that the insurer’s conduct was so egregious that the estate was entitled to tort damages plus punitive damages many times more than the compensatory damages. The Supreme Court astonishingly concluded that punitive damages were not limited to punishing the insurer but were payment to the estate for its action on behalf of everyone in the state of Mississippi and that they should not be required to pay their lawyers but that payment should come from the insurer as part of its punishment. The Supreme Court ignored the fact that as a result the estate must pay income taxes on the punishment damages since they are not designed to make the insured whole and punished each member and insured of USAA. In my opinion it’s time the courts of the USA do away with the tort of bad faith to avoid excessive judgments and allow contract disputes to be enlarged into a major amount of punishment for an insurer who rejected a claim based on interpretation of contract terms and the facts of a loss, like this case. In that regard see my book, It’s Time to Abolish The Tort of Bad Faith Available as a paperback here. Available as a Kindle book here. (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

guides.lib.umich.edu/c.php?g=282762&p=5213331 Report of University of Michigan Communication and Media, the growing stream of reporting on and data about fake news.

MMOEXP：Essential Tips for Navigating Path of Exile 2 Path of Exile 2 (POE2) is an expansive action RPG filled with myriad mechanics, secrets, and interactions to discover. With over 1,500 nodes on the passive skill tree and countless combinations of skill gems and support gems, the game can feel overwhelming. After spending around 70 hours in POE2 and progressing through the Cruel difficulty as a Witch, I've compiled some crucial tips that can help both new and seasoned players enhance their gaming experience. Here are some important pieces of knowledge that could easily be missed. Tip 1: Unlocking the Full Potential of Support Gems One of the most essential aspects of POE2 is the skill gem and support gem system. Initially, it may seem limited to just three support gems per skill gem, but unticking the "Show Recommended Gems" button reveals a vast array of options that enhance your skills significantly. For instance, when you untick this option while equipping the Witch’s Flame Wall, you’ll discover support gems that provide spell echo, allowing the skill to cast twice without extra mana costs—a game-changer for any build. Always keep this button unticked to explore all the potent gems available for your skills. Tip 2: Real-Time DPS Evaluation Make the most of the skill gem menu to track your damage per second (DPS) in real-time. This allows you to see how equipment changes and different support gems affect your damage outputs immediately. By comparing stats after equipping a new piece of gear or swapping out support gems, you can optimize your build effectively. This feature is invaluable for late-game min-maxing, ensuring each choice impacts your build positively. Tip 3: Customize Your Interface Options Navigate to the options menu and customize your gameplay interface. Enabling the "Show Mini Life Bar" option helps you stay focused on the action without constantly glancing at the corners of the screen to monitor health and mana. Keeping your attention in the center of the screen can help you avoid unnecessary damage and enhance your overall playability. Tip 4: Keybinding for Efficiency Take some time to go through input options and set keybindings that suit your gameplay style. For example, setting a key for the create portal command makes teleporting much more efficient. Additionally, remember that placing a portal in an active zone allows you to log off and return later, resuming your adventure exactly where you left off—perfect for busy schedules or short play sessions. Tip 5: Vendor Stock Refresh Every time you level up, don’t forget to check vendors, as their stock refreshes with potentially better gear. Though it may seem tedious, it can lead to significant upgrades that surpass loot from bosses, so make it a habit to check vendors, especially in your home base. Tip 6: Understanding the Salvage System Get acquainted with the salvage system—this allows you to dismantle items with quality or sockets to create valuable resources. Salvaging ten items yields a shard that can enhance future gear. While it may seem slow, the massive amounts of loot collected throughout your journey make this a worthwhile process. Save salvage resources for late-game gear changes since you’ll frequently swap equipment in the early game. Tip 7: Unique Boss Awareness Be mindful of unique bosses in the game, as they do not respawn after being defeated. Clearing areas thoroughly ensures you benefit from permanent buffs that can enhance later gameplay. Keep track of your map and revisit areas to ensure you don’t miss out on any notable encounters. Tip 8: Highlighting Loot Never miss loot again by holding the Alt key to highlight all items in your vicinity, including hidden chests and items. For a permanent display of all loot, press Z to toggle this feature on. This can dramatically change your loot collection experience and prevent overlooked treasures. Tip 9: Stun Mechanics Understanding the power of stuns can significantly elevate your combat efficiency. Physical damage abilities and melee skills are most effective for stunning enemies, especially bosses. Learning to manage your stuns strategically can make challenging encounters much easier as you interrupt enemy abilities and dictate the flow of battle. Tip 10: Preparing for Act Transitions When finishing Act One, be sure to collect all loot and complete quests before moving on. You can always return to earlier acts for any unfinished business, as the game allows easy teleportation between different acts. This ensures you get the most out of your adventure and all the loot opportunities presented. In conclusion, Path of Exile 2 is a game rich with mechanics and details waiting to be unveiled. By incorporating these tips into your playstyle, you can improve your overall gameplay experience and better navigate the intricate world of Wraeclast. Stay tuned for more tips and build guides from Dom's Roundtable, and may your journey be filled with successful builds and epic loot! Best Cheapest POE Currency For Sale - MMOexp Store.

$25,000+ Worth of Portable Power Stations to the People of Hurricane Helene - Part 3 https://www.youtube.com/watch?v=QF9ugX9lYwA Much more information BELOW THE VIDEO on YouTube. Part 3 We start delivering Portable Power Stations in some of the Hardest hit areas in Western North Carolina like RamseyTown, Egypt, Green Mountain, Bakersville & Pensacola. The area we leave from in this video is RamseyTown and most of the roads are completely gone... We were allowed access and guided by a resident Hero Russ up some Old Logging Roads. These Old Logging Roads had to be cleared in order to gain access to MANY Survivors that have been Isolated/Affected. We drove for many many miles just to reach one home(Bill and Diane). After that he head to Green Mountain to stop at Mikes home. He has been completely gutting the inside to allow everything to dry since the water nearly hit the ceiling. This also allows things to be sprayed to prevent mold!! Still TONS of work needs to be done here. After Mikes House we drove to NC Outdoor Adventures in Bakersville. Scott Thrift has been handling supplies and helping the local community. Talking with the locals they are saying they are NOT being helped by Government Agencies. Only Local and Civilian Volunteers!!!

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Blogger Still Has Not Updated Community Guidelines to Represent Trump Victory https://slantedright2.blogspot.com/2024/12/blogger-still-has-not-updated-community.html SUMMARY: Unsurprisingly, Blogger (owned by Google) is still censoring SlantRight 2.0 Medical Truth by calling it MIS-DIS-MAL-Information. My 12/2/24 Blogger post was removed under those flawed Community Guidelines which in essence is a denial of MAHA relating to Trump Cabinet Appointments. The READER can read the Blogger-censored post at The Conservative-Patriot Christian Right and/or John’s Newsletter Substack. #BloggerCensorship #MAHAReform

Doctor has NDE; Her GUIDES Send Her BACK with Message for ALL Parents! | Efrat Shokef https://www.youtube.com/watch?v=5bciWYZ-B5c&list=TLPQMTkxMTIwMjTw5zWJ5LAJjQ&index=17

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