• https://thewashingtonstandard.com/humans-turning-to-ai-for-romance-friendship-it-is-dehumanizing-us-warns-christian-leader-video/
    https://thewashingtonstandard.com/humans-turning-to-ai-for-romance-friendship-it-is-dehumanizing-us-warns-christian-leader-video/
    THEWASHINGTONSTANDARD.COM
    Humans Turning to AI for Romance, Friendship—It is “Dehumanizing” Us, Warns Christian Leader (Video) - The Washington Standard
    The world is being captivated by the power of artificial intelligence (AI), but are there any long-term consequences? Many businesses, organizations, and governments are turning to the tool to help streamline processes and increase efficiency. While this is not an inherent evil, people must be aware of the negatives of ...
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  • 13 Best Foods That Kill Parasites In Humans

    https://cilantronews.com/foods-kill-parasites/
    13 Best Foods That Kill Parasites In Humans https://cilantronews.com/foods-kill-parasites/
    CILANTRONEWS.COM
    13 Best Foods That Kill Parasites In Humans - Cilantro News
    You will find the 13 best foods that kill parasites in humans naturally here. They eliminate parasites, including the tapeworm taenia.
    0 Commentarios 0 Acciones 95 Views
  • #ClimateChange and #GlobaklWarming is a #HOAX!
    You have mentally ill people around the world claiming that CO2 is causing this BS "Climate Change" yet these same people generally have NO IDEA how much CO2 is even in our atmosphere! It's a mere 0.04% by the way, very little

    CO2 is a gas of LIFE!
    It is what humans exhale after breathing in oxygen...
    And in PERFECT BALANCE the plants BREATHE IN CO2 AND EXHALE OXYGEN!

    It's a perfect system. Yet, we have zealots bent on #Eugenics who want to kill us all...
    and if not KILL, they definitely want to CONTROL everyone! Their fictional
    "Climate Change" narrative is designed to give them
    FULL CONTROL OVER THE EARTH AND EVERYONE IN IT!

    These #Criminals will do whatever it takes to gain control over all of mankind!
    And that includes spraying TOXINS into our skies, poisoning the entire agricultural system, all men and women, and even the water!

    These lunatics have been trying to accomplish this #Evil plan for over 150 years!
    And it is time they are STOPPED!

    These morons have no more rights to this earth than we do....
    And there are BILLIONS OF US opposed to poisoning our earth and ourselves!

    It's about time that we start acting like it!
    These people belong in PRISON

    Here's the short list of LIES we have been told about how
    "Climate is going to kill us all" PURELY FICTION AND LIES!

    Scientists seeking funding and journalists seeking an audience agree: panic sells.

    “Global cooling is going to kills us all!” “No, wait: global warming is going to kill us all!”

    Here's the list - an amazing chronology of the last 120 years of scare-mongering on climate

    1895 - Geologists Think theWorld May Be Frozen Up Again – New York Times, February 1895

    1902 - “Disappearing Glaciers…deteriorating slowly, with a persistency that means their final annihilation…scientific fact…surely disappearing.” – Los Angeles Times

    1912 - Prof. Schmidt Warns Us of an Encroaching Ice Age – New York Times, October 1912

    1923 - “Scientist says Arctic ice will wipe out Canada” – Professor Gregory of Yale University, American representative to the Pan-Pacific Science Congress, – Chicago Tribune

    1923 - “The discoveries of changes in the sun’s heat and the southward advance of glaciers in recent years have given rise to conjectures of the possible advent of a new ice age” – Washington Post

    1924 - MacMillan Reports Signs of New Ice Age – New York Times, Sept 18, 1924

    1929 - “Most geologists think the world is growing warmer, and that it will continue to get warmer” – Los Angeles Times, in Is another ice age coming?

    1932 - “If these things be true, it is evident, therefore that we must be just teetering on an ice age” – The Atlantic magazine, This Cold, Cold World

    1933 - America in Longest Warm Spell Since 1776; Temperature Line Records a 25-Year Rise – New York Times, March 27th, 1933

    1933 – “…wide-spread and persistent tendency toward warmer weather…Is our climate changing?” – Federal Weather Bureau “Monthly Weather Review.”

    1938 - Global warming, caused by man heating the planet with carbon dioxide, “is likely to prove beneficial to mankind in several ways, besides the provision of heat and power.”– Quarterly Journal of the Royal Meteorological Society

    1938 - “Experts puzzle over 20 year mercury rise…Chicago is in the front rank of thousands of cities thuout the world which have been affected by a mysterious trend toward warmer climate in the last two decades” – Chicago Tribune

    1939 - “Gaffers who claim that winters were harder when they were boys are quite right… weather men have no doubt that the world at least for the time being is growing warmer” – Washington Post

    1952 - “…we have learned that the world has been getting warmer in the last half century” – New York Times, August 10th, 1962

    1954 - “…winters are getting milder, summers drier. Glaciers are receding, deserts growing” – U.S. News and World Report

    1954 - Climate – the Heat May Be Off – Fortune Magazine

    1959 - “Arctic Findings in Particular Support Theory of Rising Global Temperatures” – New York Times

    1969 - “…the Arctic pack ice is thinning and that the ocean at the North Pole may become an open sea within a decade or two” – New York Times, February 20th, 1969

    1969 – “If I were a gambler, I would take even money that England will not exist in the year 2000″ — Paul Ehrlich (while he now predicts doom from global warming, this quote only gets honorable mention, as he was talking about his crazy fear of overpopulation)

    1970 - “…get a good grip on your long johns, cold weather haters – the worst may be yet to come…there’s no relief in sight” – Washington Post

    1974 - Global cooling for the past forty years – Time Magazine

    1974 - “Climatological Cassandras are becoming increasingly apprehensive, for the weather aberrations they are studying may be the harbinger of another ice age” –Washington Post

    1974 - “As for the present cooling trend a number of leading climatologists have concluded that it is very bad news indeed” – Fortune magazine, who won a Science Writing Award from the American Institute of Physics for its analysis of the danger

    1974 - “…the facts of the present climate change are such that the most optimistic experts would assign near certainty to major crop failure…mass deaths by starvation, and probably anarchy and violence” – New York Times

    Cassandras are becoming increasingly apprehensive, for the weather aberrations they are studying may be the harbinger of another ice age

    1975 - Scientists Ponder Why World’s Climate is Changing; A Major Cooling Widely Considered to Be Inevitable – New York Times, May 21st, 1975

    1975 - “The threat of a new ice age must now stand alongside nuclear war as a likely source of wholesale death and misery for mankind” Nigel Calder, editor, New Scientist magazine, in an article in International Wildlife Magazine

    1976 - “Even U.S. farms may be hit by cooling trend” – U.S. News and World Report

    1981 - Global Warming – “of an almost unprecedented magnitude” – New York Times

    1988 - I would like to draw three main conclusions. Number one, the earth is warmer in 1988 than at any time in the history of instrumental measurements. Number two, the global warming is now large enough that we can ascribe with a high degree of confidence a cause and effect relationship to the greenhouse effect. And number three, our computer climate simulations indicate that thegreenhouse effect is already large enough to begin to effect the probability of extreme events such as summer heat waves. – Jim Hansen, June 1988 testimony before Congress, see His later quote andHis superior’s objection for context

    1989 -“On the one hand, as scientists we are ethically bound to the scientific method, in effect promising to tell the truth, the whole truth, and nothing but – which means that we must include all doubts, the caveats, the ifs, ands and buts. On the other hand, we are not just scientists but human beings as well. And like most people we’d like to see the world a better place, which in this context translates into our working to reduce the risk of potentially disastrous climate change. To do that we need to get some broad based support, to capture the public’s imagination. That, of course, means getting loads of media coverage. So we have to offer up scary scenarios, make simplified, dramatic statements, and make little mention of any doubts we might have. This “double ethical bind” we frequently find ourselves in cannot be solved by any formula. Each of us has to decide what the right balance is between being effective and being honest. I hope that means being both.” – Stephen Schneider, lead author of the Intergovernmental Panel on Climate Change,Discover magazine, October 1989

    1990 - “We’ve got to ride the global warming issue. Even if the theory of global warming is wrong, we will be doing the right thing – in terms of economic policy and environmental policy” – Senator Timothy Wirth

    1993 - “Global climate change may alter temperature and rainfall patterns, many scientists fear, with uncertain consequences for agriculture.” – U.S. News and World Report

    1998 - No matter if the science [of global warming] is all phony . . . climate change [provides] the greatest opportunity to bring about justice and equality in the world.” —Christine Stewart, Canadian Minister of the Environment, Calgary Herald, 1998

    2001 - “Scientists no longer doubt that global warming is happening, and almost nobody questions the fact that humans are at least partly responsible.” – Time Magazine, Monday, Apr. 09, 2001

    2003 - Emphasis on extreme scenarios may have been appropriate at one time, when the public and decision-makers were relatively unaware of the global warming issue, and energy sources such as “synfuels,” shale oil and tar sands were receiving strong consideration” – Jim Hansen, NASA Global Warming activist, Can we defuse The Global Warming Time Bomb?, 2003

    2006 - “I believe it is appropriate to have an over-representation of factual presentations on how dangerous it is, as a predicate for opening up the audience to listen to what the solutions are, and how hopeful it is that we are going to solve this crisis.” — Al Gore, Grist magazine, May 2006

    2006 – “It is not a debate over whether the earth has been warming over the past century. The earth is always warming or cooling, at least a few tenths of a degree…” —Richard S. Lindzen, the Alfred P. Sloan professor of meteorology at MIT

    2006 – “What we have fundamentally forgotten is simple primary school science. Climate always changes. It is always…warming or cooling, it’s never stable. And if it were stable, it would actually be interesting scientifically because it would be the first time for four and a half billion years.” —Philip Stott, emeritus professor of bio-geography at the University of London

    2006 - “Since 1895, the media has alternated between global cooling and warming scares during four separate and sometimes overlapping time periods. From 1895 until the 1930’s the media peddled a coming ice age. From the late 1920’s until the 1960’s they warned of global warming. From the 1950’s until the 1970’s they warned us again of a coming ice age. This makes modern global warming the fourth estate’s fourth attempt to promote opposing climate change fears during the last 100 years.” –Senator James Inhofe, Monday, September 25, 2006

    2007- “I gave a talk recently (on fallacies of global warming) and three members of the Canadian government, the environmental cabinet, came up afterwards and said, ‘We agree with you, but it’s not worth our jobs to say anything.’ So what’s being created is a huge industry with billions of dollars of government money and people’s jobs dependent on it.” – Dr. Tim Ball, Coast-to-Coast, Feb 6, 2007

    2008 – “Hansen was never muzzled even though he violated NASA’s official agency position on climate forecasting (i.e., we did not know enough to forecast climate change or mankind’s effect on it). Hansen thus embarrassed NASA by coming out with his claims of global warming in 1988 in his testimony before Congress” – Dr. John S. Theon, retired Chief of the Climate Processes Research Program at NASA, see above for Hansen quotes

    You can find this article by searching : American Thinker August 4, 2014
    "120 years of climate scares"

    It's time to tell these liars and eugenicists that the jig is up!
    And their little HOAX is over!

    Just look at the lunacy these people are printing!




    It’s Time to Engineer the Sky

    Global warming is so rampant that some scientists say we should begin altering the stratosphere to block incoming sunlight, even if it jeopardizes rain and crops

    https://www.scientificamerican.com/article/its-time-to-engineer-the-sky/
    #ClimateChange and #GlobaklWarming is a #HOAX! You have mentally ill people around the world claiming that CO2 is causing this BS "Climate Change" yet these same people generally have NO IDEA how much CO2 is even in our atmosphere! It's a mere 0.04% by the way, very little CO2 is a gas of LIFE! It is what humans exhale after breathing in oxygen... And in PERFECT BALANCE the plants BREATHE IN CO2 AND EXHALE OXYGEN! It's a perfect system. Yet, we have zealots bent on #Eugenics who want to kill us all... and if not KILL, they definitely want to CONTROL everyone! Their fictional "Climate Change" narrative is designed to give them FULL CONTROL OVER THE EARTH AND EVERYONE IN IT! These #Criminals will do whatever it takes to gain control over all of mankind! And that includes spraying TOXINS into our skies, poisoning the entire agricultural system, all men and women, and even the water! These lunatics have been trying to accomplish this #Evil plan for over 150 years! And it is time they are STOPPED! These morons have no more rights to this earth than we do.... And there are BILLIONS OF US opposed to poisoning our earth and ourselves! It's about time that we start acting like it! These people belong in PRISON Here's the short list of LIES we have been told about how "Climate is going to kill us all" PURELY FICTION AND LIES! Scientists seeking funding and journalists seeking an audience agree: panic sells. “Global cooling is going to kills us all!” “No, wait: global warming is going to kill us all!” Here's the list - an amazing chronology of the last 120 years of scare-mongering on climate 1895 - Geologists Think theWorld May Be Frozen Up Again – New York Times, February 1895 1902 - “Disappearing Glaciers…deteriorating slowly, with a persistency that means their final annihilation…scientific fact…surely disappearing.” – Los Angeles Times 1912 - Prof. Schmidt Warns Us of an Encroaching Ice Age – New York Times, October 1912 1923 - “Scientist says Arctic ice will wipe out Canada” – Professor Gregory of Yale University, American representative to the Pan-Pacific Science Congress, – Chicago Tribune 1923 - “The discoveries of changes in the sun’s heat and the southward advance of glaciers in recent years have given rise to conjectures of the possible advent of a new ice age” – Washington Post 1924 - MacMillan Reports Signs of New Ice Age – New York Times, Sept 18, 1924 1929 - “Most geologists think the world is growing warmer, and that it will continue to get warmer” – Los Angeles Times, in Is another ice age coming? 1932 - “If these things be true, it is evident, therefore that we must be just teetering on an ice age” – The Atlantic magazine, This Cold, Cold World 1933 - America in Longest Warm Spell Since 1776; Temperature Line Records a 25-Year Rise – New York Times, March 27th, 1933 1933 – “…wide-spread and persistent tendency toward warmer weather…Is our climate changing?” – Federal Weather Bureau “Monthly Weather Review.” 1938 - Global warming, caused by man heating the planet with carbon dioxide, “is likely to prove beneficial to mankind in several ways, besides the provision of heat and power.”– Quarterly Journal of the Royal Meteorological Society 1938 - “Experts puzzle over 20 year mercury rise…Chicago is in the front rank of thousands of cities thuout the world which have been affected by a mysterious trend toward warmer climate in the last two decades” – Chicago Tribune 1939 - “Gaffers who claim that winters were harder when they were boys are quite right… weather men have no doubt that the world at least for the time being is growing warmer” – Washington Post 1952 - “…we have learned that the world has been getting warmer in the last half century” – New York Times, August 10th, 1962 1954 - “…winters are getting milder, summers drier. Glaciers are receding, deserts growing” – U.S. News and World Report 1954 - Climate – the Heat May Be Off – Fortune Magazine 1959 - “Arctic Findings in Particular Support Theory of Rising Global Temperatures” – New York Times 1969 - “…the Arctic pack ice is thinning and that the ocean at the North Pole may become an open sea within a decade or two” – New York Times, February 20th, 1969 1969 – “If I were a gambler, I would take even money that England will not exist in the year 2000″ — Paul Ehrlich (while he now predicts doom from global warming, this quote only gets honorable mention, as he was talking about his crazy fear of overpopulation) 1970 - “…get a good grip on your long johns, cold weather haters – the worst may be yet to come…there’s no relief in sight” – Washington Post 1974 - Global cooling for the past forty years – Time Magazine 1974 - “Climatological Cassandras are becoming increasingly apprehensive, for the weather aberrations they are studying may be the harbinger of another ice age” –Washington Post 1974 - “As for the present cooling trend a number of leading climatologists have concluded that it is very bad news indeed” – Fortune magazine, who won a Science Writing Award from the American Institute of Physics for its analysis of the danger 1974 - “…the facts of the present climate change are such that the most optimistic experts would assign near certainty to major crop failure…mass deaths by starvation, and probably anarchy and violence” – New York Times Cassandras are becoming increasingly apprehensive, for the weather aberrations they are studying may be the harbinger of another ice age 1975 - Scientists Ponder Why World’s Climate is Changing; A Major Cooling Widely Considered to Be Inevitable – New York Times, May 21st, 1975 1975 - “The threat of a new ice age must now stand alongside nuclear war as a likely source of wholesale death and misery for mankind” Nigel Calder, editor, New Scientist magazine, in an article in International Wildlife Magazine 1976 - “Even U.S. farms may be hit by cooling trend” – U.S. News and World Report 1981 - Global Warming – “of an almost unprecedented magnitude” – New York Times 1988 - I would like to draw three main conclusions. Number one, the earth is warmer in 1988 than at any time in the history of instrumental measurements. Number two, the global warming is now large enough that we can ascribe with a high degree of confidence a cause and effect relationship to the greenhouse effect. And number three, our computer climate simulations indicate that thegreenhouse effect is already large enough to begin to effect the probability of extreme events such as summer heat waves. – Jim Hansen, June 1988 testimony before Congress, see His later quote andHis superior’s objection for context 1989 -“On the one hand, as scientists we are ethically bound to the scientific method, in effect promising to tell the truth, the whole truth, and nothing but – which means that we must include all doubts, the caveats, the ifs, ands and buts. On the other hand, we are not just scientists but human beings as well. And like most people we’d like to see the world a better place, which in this context translates into our working to reduce the risk of potentially disastrous climate change. To do that we need to get some broad based support, to capture the public’s imagination. That, of course, means getting loads of media coverage. So we have to offer up scary scenarios, make simplified, dramatic statements, and make little mention of any doubts we might have. This “double ethical bind” we frequently find ourselves in cannot be solved by any formula. Each of us has to decide what the right balance is between being effective and being honest. I hope that means being both.” – Stephen Schneider, lead author of the Intergovernmental Panel on Climate Change,Discover magazine, October 1989 1990 - “We’ve got to ride the global warming issue. Even if the theory of global warming is wrong, we will be doing the right thing – in terms of economic policy and environmental policy” – Senator Timothy Wirth 1993 - “Global climate change may alter temperature and rainfall patterns, many scientists fear, with uncertain consequences for agriculture.” – U.S. News and World Report 1998 - No matter if the science [of global warming] is all phony . . . climate change [provides] the greatest opportunity to bring about justice and equality in the world.” —Christine Stewart, Canadian Minister of the Environment, Calgary Herald, 1998 2001 - “Scientists no longer doubt that global warming is happening, and almost nobody questions the fact that humans are at least partly responsible.” – Time Magazine, Monday, Apr. 09, 2001 2003 - Emphasis on extreme scenarios may have been appropriate at one time, when the public and decision-makers were relatively unaware of the global warming issue, and energy sources such as “synfuels,” shale oil and tar sands were receiving strong consideration” – Jim Hansen, NASA Global Warming activist, Can we defuse The Global Warming Time Bomb?, 2003 2006 - “I believe it is appropriate to have an over-representation of factual presentations on how dangerous it is, as a predicate for opening up the audience to listen to what the solutions are, and how hopeful it is that we are going to solve this crisis.” — Al Gore, Grist magazine, May 2006 2006 – “It is not a debate over whether the earth has been warming over the past century. The earth is always warming or cooling, at least a few tenths of a degree…” —Richard S. Lindzen, the Alfred P. Sloan professor of meteorology at MIT 2006 – “What we have fundamentally forgotten is simple primary school science. Climate always changes. It is always…warming or cooling, it’s never stable. And if it were stable, it would actually be interesting scientifically because it would be the first time for four and a half billion years.” —Philip Stott, emeritus professor of bio-geography at the University of London 2006 - “Since 1895, the media has alternated between global cooling and warming scares during four separate and sometimes overlapping time periods. From 1895 until the 1930’s the media peddled a coming ice age. From the late 1920’s until the 1960’s they warned of global warming. From the 1950’s until the 1970’s they warned us again of a coming ice age. This makes modern global warming the fourth estate’s fourth attempt to promote opposing climate change fears during the last 100 years.” –Senator James Inhofe, Monday, September 25, 2006 2007- “I gave a talk recently (on fallacies of global warming) and three members of the Canadian government, the environmental cabinet, came up afterwards and said, ‘We agree with you, but it’s not worth our jobs to say anything.’ So what’s being created is a huge industry with billions of dollars of government money and people’s jobs dependent on it.” – Dr. Tim Ball, Coast-to-Coast, Feb 6, 2007 2008 – “Hansen was never muzzled even though he violated NASA’s official agency position on climate forecasting (i.e., we did not know enough to forecast climate change or mankind’s effect on it). Hansen thus embarrassed NASA by coming out with his claims of global warming in 1988 in his testimony before Congress” – Dr. John S. Theon, retired Chief of the Climate Processes Research Program at NASA, see above for Hansen quotes You can find this article by searching : American Thinker August 4, 2014 "120 years of climate scares" It's time to tell these liars and eugenicists that the jig is up! And their little HOAX is over! Just look at the lunacy these people are printing! It’s Time to Engineer the Sky Global warming is so rampant that some scientists say we should begin altering the stratosphere to block incoming sunlight, even if it jeopardizes rain and crops https://www.scientificamerican.com/article/its-time-to-engineer-the-sky/
    WWW.SCIENTIFICAMERICAN.COM
    It's Time to Engineer the Sky
    Global warming is so rampant that some scientists say we should begin altering the stratosphere to block incoming sunlight, even if it jeopardizes rain and crops
    1 Commentarios 0 Acciones 3K Views

  • 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
    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
    0 Commentarios 1 Acciones 2K Views
  • Arla faces boycott over Bovaer use on cows under Bill Gates' involvement
    https://www.nationalworld.com/business/arla-faces-boycott-over-bovaer-use-on-cows-bill-gates-involvement-what-is-it-is-it-safe-for-humans-4888306
    Arla faces boycott over Bovaer use on cows under Bill Gates' involvement https://www.nationalworld.com/business/arla-faces-boycott-over-bovaer-use-on-cows-bill-gates-involvement-what-is-it-is-it-safe-for-humans-4888306
    Like
    1
    0 Commentarios 1 Acciones 177 Views
  • Nuclear War Expert: 72 Minutes To Wipe Out 60% Of Humans, In The Hands Of 1 Person! - Annie Jacobsen
    https://www.youtube.com/watch?v=asmaLnhaFiY
    Annie Jacobsen is an investigative journalist, New York Times bestselling author, and a 2016 Pulitzer Prize finalist. Her books include, ‘Area 51’, ‘Operation Paperclip’, and ‘The Pentagon’s Brain’.
    Nuclear War Expert: 72 Minutes To Wipe Out 60% Of Humans, In The Hands Of 1 Person! - Annie Jacobsen https://www.youtube.com/watch?v=asmaLnhaFiY Annie Jacobsen is an investigative journalist, New York Times bestselling author, and a 2016 Pulitzer Prize finalist. Her books include, ‘Area 51’, ‘Operation Paperclip’, and ‘The Pentagon’s Brain’.
    0 Commentarios 0 Acciones 480 Views
  • Esoteriception: Original Place in the World/Ancient Sumerians/Fallen Angels/Spirit Vessels/Gnosis
    Are Humans Just Containers?

    https://www.youtube.com/shorts/m8A_BjCmlGU
    Esoteriception: Original Place in the World/Ancient Sumerians/Fallen Angels/Spirit Vessels/Gnosis Are Humans Just Containers? https://www.youtube.com/shorts/m8A_BjCmlGU
    Love
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  • From a friend
    **Did you watch a movie called … ‘I, Robot’ …?**

    **If you didn’t … it is worth watching …**

    **Here is a Link to watch it or download it ...** https://odysee.com/@SolidReview:9/i,-robot-full-movie-facts-and-review:2

    **20 Years Ago … in 2004, “I, Robot” … a “Science Fiction” movie … found its way to the big screen …**

    **‘I, Robot’ … is an American science fiction action film directed by Alex Proyas. The screenplay by Jeff Vintar and Akiva Goldsman is from a screen story by Vintar, based on his original screenplay Hardwired, and named after Isaac Asimov's 1950 short-story collection …**

    **“Science Fiction” …?**

    **Is It REALLY Science Fiction … OR … Was It A Warning to … Humanity … of What Is Coming …**

    **In fact, “IROBOT” … IS A REAL AMERICAN COMPANY … A REAL PUBLIC CORPORATION … FOUNDED IN 1990 … by three members of “MIT'S ARTIFICIAL INTELLIGENCE LAB” … WHO DESIGNED ROBOTS FOR “SPACE EXPLORATION AND MILITARY DEFENCE” …**

    **Or … WAS IT …!!!**

    **Was the movie “I, Robot” … a “Warning” … OR … a ‘BRAINWASHING” was to make people acquainted to the Idea of being Controlled … by Robots …**

    **While the ending of the movie was on the side of Humans and Humanity … I wonder whether it was not made to prepare people for what is coming …**

    **Read and watch the attached movie … you will be the Judge …**

    **The End Of Humanity As Planned By The Global Leaders**
    **____________________________**

    **World leaders, billionaires and organizations like the World Economic Forum publicly state that they want to bring humanity to an end, and enter a new era of neo-humanity, where most people will be replaced by humanoid robots. Everyone else will be forced to become a cyborg: a symbiosis between man and machine, hooked up to the cloud, from where AI will monitor all your thoughts, feelings and actions. It sounds insane, but it's the hard core reality of today, as you can see in this film. Don't miss this, but be informed about what global leaders are planning for your future.**

    **____________________________**

    **Organizations like the United Nations and World Economic Forum publicly state that they want to end humanity, and enter a new era of neo-humanity, where most people will be replaced by humanoid robots. Everyone will be forced to become a cyborg: a symbiosis between man and machine, hooked up to the cloud, from where AI will monitor all your thoughts, feelings and actions.**
    **____________________________**

    **It sounds like the plot of a cheap science fiction movie, but it is the hard core reality of our time: believe it or not, but world leaders are pushing powerfully worldwide for the replacement of the human race with cyborgs and humanoid robots, which will be controlled by AI. They are also implementing a high tech surveillance system that will record everything you think, feel and dream, in order to submit humanity to an unprecedented control society, governed by AI. Hard to believe? Of course. But see for yourself how advanced they are already, with this plan...**

    **Protect yourself, defend humanity …**

    **Watch and share!**
    From a friend **Did you watch a movie called … ‘I, Robot’ …?** **If you didn’t … it is worth watching …** **Here is a Link to watch it or download it ...** https://odysee.com/@SolidReview:9/i,-robot-full-movie-facts-and-review:2 **20 Years Ago … in 2004, “I, Robot” … a “Science Fiction” movie … found its way to the big screen …** **‘I, Robot’ … is an American science fiction action film directed by Alex Proyas. The screenplay by Jeff Vintar and Akiva Goldsman is from a screen story by Vintar, based on his original screenplay Hardwired, and named after Isaac Asimov's 1950 short-story collection …** **“Science Fiction” …?** **Is It REALLY Science Fiction … OR … Was It A Warning to … Humanity … of What Is Coming …** **In fact, “IROBOT” … IS A REAL AMERICAN COMPANY … A REAL PUBLIC CORPORATION … FOUNDED IN 1990 … by three members of “MIT'S ARTIFICIAL INTELLIGENCE LAB” … WHO DESIGNED ROBOTS FOR “SPACE EXPLORATION AND MILITARY DEFENCE” …** **Or … WAS IT …!!!** **Was the movie “I, Robot” … a “Warning” … OR … a ‘BRAINWASHING” was to make people acquainted to the Idea of being Controlled … by Robots …** **While the ending of the movie was on the side of Humans and Humanity … I wonder whether it was not made to prepare people for what is coming …** **Read and watch the attached movie … you will be the Judge …** **The End Of Humanity As Planned By The Global Leaders** **____________________________** **World leaders, billionaires and organizations like the World Economic Forum publicly state that they want to bring humanity to an end, and enter a new era of neo-humanity, where most people will be replaced by humanoid robots. Everyone else will be forced to become a cyborg: a symbiosis between man and machine, hooked up to the cloud, from where AI will monitor all your thoughts, feelings and actions. It sounds insane, but it's the hard core reality of today, as you can see in this film. Don't miss this, but be informed about what global leaders are planning for your future.** **____________________________** **Organizations like the United Nations and World Economic Forum publicly state that they want to end humanity, and enter a new era of neo-humanity, where most people will be replaced by humanoid robots. Everyone will be forced to become a cyborg: a symbiosis between man and machine, hooked up to the cloud, from where AI will monitor all your thoughts, feelings and actions.** **____________________________** **It sounds like the plot of a cheap science fiction movie, but it is the hard core reality of our time: believe it or not, but world leaders are pushing powerfully worldwide for the replacement of the human race with cyborgs and humanoid robots, which will be controlled by AI. They are also implementing a high tech surveillance system that will record everything you think, feel and dream, in order to submit humanity to an unprecedented control society, governed by AI. Hard to believe? Of course. But see for yourself how advanced they are already, with this plan...** **Protect yourself, defend humanity …** **Watch and share!**
    Like
    1
    0 Commentarios 1 Acciones 2K Views
  • HUMANS ARE BEING TAKEN OVER FROM WITHIN - DR WILFREDO STOKES

    He ain't wrong!

    https://old.bitchute.com/video/OUQIvYOqC2No/
    HUMANS ARE BEING TAKEN OVER FROM WITHIN - DR WILFREDO STOKES He ain't wrong! https://old.bitchute.com/video/OUQIvYOqC2No/
    0 Commentarios 0 Acciones 215 Views
  • They can't even let a small squirrel live. But they sure as xxxx will come out soon and say that National parks must be declared all over the planet to protect the animals from humans. (Agenda2030.). Many say that we should talk more about the missing children instead of pets. And they are very, very important. But just how they went around in China during covid and seized cats and dogs and killed them, just because they know how to crush people.
    They can't even let a small squirrel live. But they sure as xxxx will come out soon and say that National parks must be declared all over the planet to protect the animals from humans. (Agenda2030.). Many say that we should talk more about the missing children instead of pets. And they are very, very important. But just how they went around in China during covid and seized cats and dogs and killed them, just because they know how to crush people.
    0 Commentarios 0 Acciones 747 Views
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