• i just love these old photos omg you know that stuff didn't exist for you when you were young in the late 70s and 80s. I love todays tech. straight up. Confessions of a gen X'er I reckon
    https://www.youtube.com/watch?v=92cwKCU8Z5c&list=RDMMB1_eHmkvnrY&index=7
    i just love these old photos omg you know that stuff didn't exist for you when you were young in the late 70s and 80s. I love todays tech. straight up. Confessions of a gen X'er I reckon https://www.youtube.com/watch?v=92cwKCU8Z5c&list=RDMMB1_eHmkvnrY&index=7
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  • Friday, December 6, 2024
    Bishop Robert Barron
    Cycle C
    Advent
    1st wk of Advent

    Bible References

    Matthew 9:27-31

    Friends, today in our Gospel, two blind men beg Jesus to heal them.

    Blindness in the Bible is very often a symbol of spiritual blindness: the incapacity to see what truly matters. Focused on the worldly goods of wealth, pleasure, power, and honor, most people don’t see how blind they are to the truly important things: giving oneself to the grace of God and living a life of love. If you have not surrendered to the grace of God, you are blind. How wonderful it is, then, that these men in the Gospel can cry out to Jesus in their need.

    They are, of course, making a petition for physical healing, but it’s much more than that for us. It’s asking for that one thing that finally matters: spiritual vision—to know what my life is about, to know the big picture, to know where I’m going. You can have all the wealth, pleasure, honor, and power you want. You can have all the worldly goods you could desire. But if you don’t see spiritually, it will do you no good; it will probably destroy you.
    Gospel Reflections

    Meditate on Daily Gospel Reflections from Bishop Robert Barron
    Friday, December 6, 2024 Bishop Robert Barron Cycle C Advent 1st wk of Advent Bible References Matthew 9:27-31 Friends, today in our Gospel, two blind men beg Jesus to heal them. Blindness in the Bible is very often a symbol of spiritual blindness: the incapacity to see what truly matters. Focused on the worldly goods of wealth, pleasure, power, and honor, most people don’t see how blind they are to the truly important things: giving oneself to the grace of God and living a life of love. If you have not surrendered to the grace of God, you are blind. How wonderful it is, then, that these men in the Gospel can cry out to Jesus in their need. They are, of course, making a petition for physical healing, but it’s much more than that for us. It’s asking for that one thing that finally matters: spiritual vision—to know what my life is about, to know the big picture, to know where I’m going. You can have all the wealth, pleasure, honor, and power you want. You can have all the worldly goods you could desire. But if you don’t see spiritually, it will do you no good; it will probably destroy you. Gospel Reflections Meditate on Daily Gospel Reflections from Bishop Robert Barron
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  • Well that is evil, it's ok to wear sinful crap, but don't express your love for Jesus..
    Well that is evil, it's ok to wear sinful crap, but don't express your love for Jesus..
    0 Comments 0 Shares 34 Views
  • The Hunchback of Notre Dame (1939) is a classic American film adaptation of Victor Hugo's 1831 novel. Directed by William Dieterle, the movie is renowned for its lavish production and powerful performances.

    Here’s an overview of the film:

    Key Details:
    Director: William Dieterle
    Producer: Pandro S. Berman
    Cast:
    Charles Laughton as Quasimodo: His portrayal of the bell-ringer is iconic, capturing the character's tragic mix of physical deformity and inner nobility.
    Maureen O'Hara as Esmeralda: This was one of O'Hara's early roles, and her performance as the kind-hearted gypsy dancer is captivating.
    Cedric Hardwicke as Frollo: A menacing interpretation of the archdeacon who becomes obsessed with Esmeralda.
    Thomas Mitchell as Clopin: The leader of the beggars, adding a layer of intrigue and grit to the story.
    Highlights:
    Visual Design: The film is famous for its elaborate sets, especially the reconstruction of 15th-century Paris and the Notre Dame Cathedral.
    Makeup: Charles Laughton's transformative makeup for Quasimodo was groundbreaking at the time, designed by legendary makeup artist Perc Westmore.
    Themes: The story tackles themes of justice, love, social prejudice, and the clash between religious authority and personal morality.
    The 1939 adaptation is often regarded as one of the most faithful and emotionally resonant versions of Hugo’s novel. It balances spectacle with a deep exploration of the characters, making it a definitive cinematic interpretation of the classic tale.
    The Hunchback of Notre Dame (1939) is a classic American film adaptation of Victor Hugo's 1831 novel. Directed by William Dieterle, the movie is renowned for its lavish production and powerful performances. Here’s an overview of the film: Key Details: Director: William Dieterle Producer: Pandro S. Berman Cast: Charles Laughton as Quasimodo: His portrayal of the bell-ringer is iconic, capturing the character's tragic mix of physical deformity and inner nobility. Maureen O'Hara as Esmeralda: This was one of O'Hara's early roles, and her performance as the kind-hearted gypsy dancer is captivating. Cedric Hardwicke as Frollo: A menacing interpretation of the archdeacon who becomes obsessed with Esmeralda. Thomas Mitchell as Clopin: The leader of the beggars, adding a layer of intrigue and grit to the story. Highlights: Visual Design: The film is famous for its elaborate sets, especially the reconstruction of 15th-century Paris and the Notre Dame Cathedral. Makeup: Charles Laughton's transformative makeup for Quasimodo was groundbreaking at the time, designed by legendary makeup artist Perc Westmore. Themes: The story tackles themes of justice, love, social prejudice, and the clash between religious authority and personal morality. The 1939 adaptation is often regarded as one of the most faithful and emotionally resonant versions of Hugo’s novel. It balances spectacle with a deep exploration of the characters, making it a definitive cinematic interpretation of the classic tale.
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  • Why insurance companies prefer paintless dent repair for hail damage claims

    Today, we're diving into the benefits of paintless dent repair, also known as PDR, for dealing with hail damage and why insurance companies are big fans of this method.

    First off, PDR is a cost-efficient approach that saves on labor and materials, cutting down expenses compared to traditional repair methods. It's a streamlined process that avoids the need for repainting or replacing parts, making it quicker and more resource friendly. One key Advantage is how PDR preserves the original paint of your vehicle, keeping it in pristine condition and maintaining its resale value. By not having to repaint entire panels, you save money and ensure your car holds its worth over time. This technique is non-invasive, using specialized tools to massage dents out from the inside without affecting the structural Integrity of your vehicle. Insurance companies love PDR for its efficiency in restoring vehicles quickly, reducing claim costs and helping policy holders get back on the road faster. It's a win-win, as it not only saves money but also aligns with sustainable practices by cutting down on waste and carbon emissions. With PDR, you can ensure high quality repairs without the need for traditional bodywork, contributing to a greener automotive industry overall.

    Visit hail damage repair page here https://www.coloradopdr.com/hail-damage-repair-denver/
    Why insurance companies prefer paintless dent repair for hail damage claims Today, we're diving into the benefits of paintless dent repair, also known as PDR, for dealing with hail damage and why insurance companies are big fans of this method. First off, PDR is a cost-efficient approach that saves on labor and materials, cutting down expenses compared to traditional repair methods. It's a streamlined process that avoids the need for repainting or replacing parts, making it quicker and more resource friendly. One key Advantage is how PDR preserves the original paint of your vehicle, keeping it in pristine condition and maintaining its resale value. By not having to repaint entire panels, you save money and ensure your car holds its worth over time. This technique is non-invasive, using specialized tools to massage dents out from the inside without affecting the structural Integrity of your vehicle. Insurance companies love PDR for its efficiency in restoring vehicles quickly, reducing claim costs and helping policy holders get back on the road faster. It's a win-win, as it not only saves money but also aligns with sustainable practices by cutting down on waste and carbon emissions. With PDR, you can ensure high quality repairs without the need for traditional bodywork, contributing to a greener automotive industry overall. Visit hail damage repair page here https://www.coloradopdr.com/hail-damage-repair-denver/
    Like
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  • https://medforth.biz/english-soccer-player-escapes-punishment-for-writing-i-love-jesus-on-lgbt-rainbow-armband/
    https://medforth.biz/english-soccer-player-escapes-punishment-for-writing-i-love-jesus-on-lgbt-rainbow-armband/
    0 Comments 0 Shares 42 Views
  • Ep 3515b - [DS] Pushing WWIII While Their World Is Collapsing,Patriot Gloves Are Coming Off,Soon!!!
    https://www.bitchute.com/video/23OJ0SM4eo6x
    Biden's pardon of Hunter is already backfiring. Biden set another precedent, exposed the DOJ corruption and positioned the patriots to bring people in his orbit to justice. The [DS] is fighting back as their world is collapsing. They are pushing WWIII very hard, they are panicking over the picks Trump is making. Scavino and Trump send a message. The traitors will be brought to justice, the gloves are coming off.

    Ep 3515b - [DS] Pushing WWIII While Their World Is Collapsing,Patriot Gloves Are Coming Off,Soon!!! https://www.bitchute.com/video/23OJ0SM4eo6x Biden's pardon of Hunter is already backfiring. Biden set another precedent, exposed the DOJ corruption and positioned the patriots to bring people in his orbit to justice. The [DS] is fighting back as their world is collapsing. They are pushing WWIII very hard, they are panicking over the picks Trump is making. Scavino and Trump send a message. The traitors will be brought to justice, the gloves are coming off.
    WWW.BITCHUTE.COM
    Ep 3515b - [DS] Pushing WWIII While Their World Is Collapsing,Patriot Gloves Are Coming Off,Soon!!!
    🔥Help Make Rooms Toasty Warm With The Ultra Air Heater: 🔥 http://staywarmnow.com Get Up To 60% OFF Click Here ^^^ Biden's pardon of Hunter is already backfiring. Biden set another precedent, exposed the DOJ corruption and positioned the patriots to bring people in his orbit to justice. The [DS] is fighting back as their world is collapsing. They are pushing WWIII very hard, they are panicking over the picks Trump is making. Scavino and Trump send a message. The traitors will be brought to justice, the gloves are coming off. Gear up with the Field Emergency Kit today Use Code Rumblesale For
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  • In the blink of an eye, the procedure changed into the following: mine ores make smelt of ore to forge bronze daggers chicken execution, then sell the rest to the greedy clerk at the shop, and use the cash to buy tools. And on and so forth it goes on. As of now I've consumed all the energy drinks available I have available. I've never had to fight this intensely in my entire life to get rid of chickens. I took another bottle of red bull, knowing it could be quite a, hard night.

    As a kid I didn't experience that tight loop Jagex has created with their world. Everything worked. I did not realize that the shopkeeper took away of your hard-earned chicken breasts, because before were I an ordinary account I would have traded them to another user at a price ten times greater than. Being an ironman, you must master the mechanics of each skill to build.

    I had my second revelation after I became bored of the chickens and set out to develop my archery ability: "Ranged." I focused on the job to be completed, using the money I received from my shopkeeper, I purchased a bronze hatchet at the Lumbridge Axe store. I then cut down a nearby tree. wood is checked. After that, I returned at the store's general department. I believe that the storekeeper was expecting me. The shopkeeper's robe smelled of chicken from his lunch, and he smiled his evil, corrupted grin. Unwillingly, I spent the rest portion of my coins to purchase an instrument: required to flytch to my bow. Fletching and checking.

    There was the bow's husk that began to form the next item to my wish list were flax from the nearby fields, and the spinning wheel so that I could construct the bowstring. Within a short time I had my own bow, and I sat on my couch for an while with a smile in my eyes. I was starting to realize the game's concept all about. There is a lot of satisfaction when you earn your living from this game. If I had played an account that was normal, the procedure could have been streamlined to purchasing the bow from the Grand Exchange and carrying on my way.

    I did not realize until later that the making of a bow required use of a variety of abilities: woodcutting to make an ax, farming to harvest the flax, then fletching to make the bow, and connect the bowstring. Then came the next goal of my archery instruction and ammunition. Then my practice changed into mines for minerals, making smiths for the making of arrowheads and then fletching to make the design of archers. Even my blood feud with the chickens paid off when they produced feathers to make my archers.

    Within the first couple of hours, my perspective of the game shifted into more expansive. The game's mechanics in the Ironman mode appear to be targeted towards experienced players who have a long time ago finished their end-game content and are looking for new challenges. This is not to say that the game aren't played and loved by everyone both old and new. I must take my bow to Jagex for this The mechanic operates in ways I didn't comprehend until I experienced it.

    As a senile old man who is enjoying watching the scenery, I could not avoid noticing the accomplishments of the company. The ability to create your own way across Gielinor is a far enjoyable experience when you realize that the only way to achieve it is due to your own determination and perseverance. It's a refreshing change from an old game that's been in existence for a long time. The mechanic has also made me think on other MMO's. Is an ironman-inspired system applied to other games of the genre?

    The answer is complex. The mechanic is able to work across a variety of games so long as they meet the right elements in their game to support the player base, for instance, the game could require a variety of skills that players to put their time into and crafting systems. I think this method is particularly effective for Runescape due to its tightly knit game world as well as its loopable mechanism.
    Rsorder.com: The most professional site to Buy OSRS Gold/RS3 Gold, items, accounts, power leveling, and questing services.
    In the blink of an eye, the procedure changed into the following: mine ores make smelt of ore to forge bronze daggers chicken execution, then sell the rest to the greedy clerk at the shop, and use the cash to buy tools. And on and so forth it goes on. As of now I've consumed all the energy drinks available I have available. I've never had to fight this intensely in my entire life to get rid of chickens. I took another bottle of red bull, knowing it could be quite a, hard night. As a kid I didn't experience that tight loop Jagex has created with their world. Everything worked. I did not realize that the shopkeeper took away of your hard-earned chicken breasts, because before were I an ordinary account I would have traded them to another user at a price ten times greater than. Being an ironman, you must master the mechanics of each skill to build. I had my second revelation after I became bored of the chickens and set out to develop my archery ability: "Ranged." I focused on the job to be completed, using the money I received from my shopkeeper, I purchased a bronze hatchet at the Lumbridge Axe store. I then cut down a nearby tree. wood is checked. After that, I returned at the store's general department. I believe that the storekeeper was expecting me. The shopkeeper's robe smelled of chicken from his lunch, and he smiled his evil, corrupted grin. Unwillingly, I spent the rest portion of my coins to purchase an instrument: required to flytch to my bow. Fletching and checking. There was the bow's husk that began to form the next item to my wish list were flax from the nearby fields, and the spinning wheel so that I could construct the bowstring. Within a short time I had my own bow, and I sat on my couch for an while with a smile in my eyes. I was starting to realize the game's concept all about. There is a lot of satisfaction when you earn your living from this game. If I had played an account that was normal, the procedure could have been streamlined to purchasing the bow from the Grand Exchange and carrying on my way. I did not realize until later that the making of a bow required use of a variety of abilities: woodcutting to make an ax, farming to harvest the flax, then fletching to make the bow, and connect the bowstring. Then came the next goal of my archery instruction and ammunition. Then my practice changed into mines for minerals, making smiths for the making of arrowheads and then fletching to make the design of archers. Even my blood feud with the chickens paid off when they produced feathers to make my archers. Within the first couple of hours, my perspective of the game shifted into more expansive. The game's mechanics in the Ironman mode appear to be targeted towards experienced players who have a long time ago finished their end-game content and are looking for new challenges. This is not to say that the game aren't played and loved by everyone both old and new. I must take my bow to Jagex for this The mechanic operates in ways I didn't comprehend until I experienced it. As a senile old man who is enjoying watching the scenery, I could not avoid noticing the accomplishments of the company. The ability to create your own way across Gielinor is a far enjoyable experience when you realize that the only way to achieve it is due to your own determination and perseverance. It's a refreshing change from an old game that's been in existence for a long time. The mechanic has also made me think on other MMO's. Is an ironman-inspired system applied to other games of the genre? The answer is complex. The mechanic is able to work across a variety of games so long as they meet the right elements in their game to support the player base, for instance, the game could require a variety of skills that players to put their time into and crafting systems. I think this method is particularly effective for Runescape due to its tightly knit game world as well as its loopable mechanism. Rsorder.com: The most professional site to Buy OSRS Gold/RS3 Gold, items, accounts, power leveling, and questing services.
    0 Comments 0 Shares 372 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
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    I love MTG! She pulls no punches...
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