House & Senate Republicans working together stopped Democrats from passing hundreds of bills in lameduck, including the following: -$25 billion of new pension debt -Drivers licenses for illegal aliens -Garbage, water, sewer & rain taxes -Subsidies for Hollywood elites -National Popular Vote -Ranked Choice Voting -Eliminate charter schools -Early release violent felons -Eliminate cash bonds for violent felons -Prohibit 80% of Michigan construction workers from working on public works projects -Making it near impossible to redevelop brownfields -Venezuela style price & rent control -Toll Roads -Billions of new corporate welfare -$10m for tampons in boy bathrooms -$500 tax credit for e-bikes -Forcing libraries to carry porn -Call prostitution “commercial sex activity” -Double the cost for marriage license -$250m for GM to tear down the RenCen while they’re laying off thousands of workers -New gun bans & gun store/manufacturing liability -Increased fees to go hunting & fishing -Higher costs to employ workers -New payroll tax on workers -More government property & less private property -Shutting down rural & urban hospitals dealing with staff shortages -Unlimited lawsuits on small business -Higher auto insurance rates -Rulemaking authority to EGLE that would take away private property rights -Retail store licensure -Vape & flavor bans -Increasing the cost to install septic systems -A massive, partisan end of the year spending bill @MIGOP @MISenate @MI_Republicans @RepMattHall @SenAricNesbitt @FightLikeHall @NezzieTeam

Urgent: MI Senate voting TODAY on a dangerous bill package that make elections less secure. Please contact your MI State Senator and share your thoughts and concerns on the bills below: Find and contact your State Senator HERE: https://senate.michigan.gov/FindYourSenator/ → HB 6052: Serial (stub) numbers on top of ballots are one of the final barriers to absentee ballot vote fraud, yet 6052 eliminates the requirement for absentee ballots to to have tear-off serial numbers. Plus, it allows for on-demand printing, so counties can take over the voting processes from their local municipalities, with no absentee ballot numbering system to allow clerks to track how many ballots were issued or where they came from. → HB 6053 imposes a shortened window of for corrective action, allowing making complaints on polling places, drop box locations, early voting will be inadmissible less than 45 days before an election. Since absentee voting is already in progress during this time frame, remediation of problems will be less likely → HB 6055 assaults the authority of local clerks. It takes away local control of clerks to administer elections. Instead, 6055 requires a school district “coordinating committee...to designate the clerk responsible for the school district election.” → HB 5551 prohibits “an individual from being a member of the board of state canvassers” or “board of county canvassers if that individual has been convicted of an election-related offense” but does specify what such an offense looks like. Some are concerned this could be weaponized to keep good, qualified candidates away from the positions that verify and certify the integrity of our elections. These bills have already passed the House, and if passed by the Senate today, will head to the Governor’s desk for signature. #Michigan #Elections #Urgent #CurrentEvents #ElectionIntegrity #SecureElections #ProtectOurVotes #ActNow #TakeAction #Senate #House #MISenate #StandForTruth #YourVoiceMatters

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.

Twitter thread … “Do you know how much your State sends to Israel annually? In 2023 the US signed a MOU w/Israel to guarantee $3.8 Billion in Federal aid per year til 2028, but how much does each of the 50 States pay Israel every year?? Alabama: $54.8M, Alaska: $972 K, Arizona $355 M, Arkansas $53.7 M, California: $1.68 B, Colorado: $54.4 M, Connecticut: $232 M, Delaware: $15.2 M Florida: $461.5 M, Georgia: $389.2 M, Hawaii: $11,950, Idaho: $11 M, Illinois: $216.4 M, Indiana: $171.4 M, Iowa: $42 M, Kansas: 23.1 M Kentucky: $103.1 M, Louisiana: $102.6, Maine: $8.5 M, Maryland: $52.9 M, Massachusetts: $197.3 M Michigan: $242 M, Minnesota: $119.5 M, Mississippi $47 M Missouri: $240.3 M, Montana: $7.4 M, Nebraska: $59 M, Nevada: $56.2 M, New Hampshire: $108 M, New Jersey: $403 M, New Mexico: $13.8 M, New York: $4.8 B North Carolina: $158 M, North Dakota: $6.9 M, Ohio: $241.9 M, Oklahoma $83.8 M, Oregon: $947.1 M, Pennsylvania: $263.6 M, Rhode Island: $13.5 M, South Carolina: $126 M South Dakota: $7.5 M, Tennessee: $81 M, Texas: $845 M, Utah: $56.8 M, Vermont: $17.5 M, Virginia: $76 M, Washington: $228 M, West Virginia: $126 M, Wisconsin: $115.3 M, Wyoming: $716 K Federally the US gives $3.8 Billion annually to Israel. The States' give a whopping $13.6 Billion annually sent to Israel. This means the grand total of funds coming from the US [Fed+States] is $17,400,000,000.00 [$17.4B]” More photos in comments https://x.com/dezzie_rezzie/status/182852273295212… _______________ RECEIPTS/SOURCES/LINKS U.S.-Israel Relations: States-to-State Cooperation HTTPS:/http://WWW.JEWISHVIRTUALLIBRARY.ORG/U-S-ISRAEL-COO… U.S. Aid to Israel in Four Charts https://www.cfr.org/article/us-aid-israel-four-cha… What Every American Should Know About U.S. Aid to Israel http://http://http://http://http://HTTPS://WWW.AJC… R.I. opposes discrimination against Israel https://www.providencejournal.com/story/opinion/20…

Lose if You Fail to Respond to Motion for Summary Disposition INSURERS FIND FRAUDSTERS ARE OFTEN INCOMPETENT Post 4943 Read the full article at https://www.linkedin.com/pulse/lose-you-fail-respond-motion-summary-disposition-zalma-esq-cfe-rhstc, see the full video at and at and at https://zalma.com/blog plus more than 4900 posts. In Chris Kallco v. Melissa Lynn Pugh, Chris Kallco, and Precise MRI Of Michigan, LLC v. Citizens Insurance Company Of The Midwest and Melissa Lynn Pugh, No. 368156, Court of Appeals of Michigan (October 30, 2024) the Court of Appeals resolved the dispute. In a consolidated first-party and third-party no-fault action, plaintiff appealed from two orders granting summary disposition in favor of defendants, including the fraud of the plaintiff. FACTUAL BACKGROUND After a motor vehicle accident involving plaintiff and Pugh. Plaintiff alleged that he sustained injuries from the accident. A year after the accident, plaintiff brought a negligence claim against Pugh, alleging that, because of Pugh’s negligence, plaintiff sustained “severe permanent and progressive personal injuries and serious impairment of a body function, including but not necessarily limited to: Head, Neck, Back, Shoulders ….” Plaintiff also brought a claim against Citizens for PIP benefits, including medical expenses, work loss, and replacement services. Pugh moved for summary disposition arguing that plaintiff could not meet his burden of showing that he sustained a threshold injury under the no-fault act and, therefore, he could not maintain his negligence claim against her. Shortly after Pugh filed her motion, Citizens filed its own motion arguing that plaintiff made material misrepresentations to Citizens regarding the extent of his injuries, which rendered him ineligible for benefits under the statute. The trial court concluded that plaintiff failed to establish that he sustained a serious impairment of body function and therefore summary disposition in favor of Pugh was appropriate. With regard to Citizens’ motion, the trial court found “that absolutely no genuine issue of material fact exists as to whether Plaintiff knowingly made numerous materially false statements in his claims for PIP benefits relative to his alleged injuries and physical restrictions” arising out of the car accident. THRESHOLD INJURY Plaintiff argued that the trial court erred by finding that there was no genuine issue of material fact regarding whether plaintiff met the serious-impairment threshold. However, plaintiff’s failure to respond to the motion for summary disposition made it impossible for him to support his argument. The Plaintiff tried to use the defendants evidence as support against the motions. The attempt failed. The objectively manifested requirement means that plaintiffs must introduce evidence that generally requires medical testimony. Pugh presented objective medical records indicating that there was no physical basis for plaintiff’s subjective complaints of pain. Plaintiff’s deposition testimony only set forth mere subjective complaints of pain. Because plaintiff cannot show a factual dispute as to whether he suffered an objectively manifested impairment, he failed to satisfy the threshold serious-impairment requirement. FRAUDULENT INSURANCE ACT A person who presents or causes to be presented an oral or written statement, including computer-generated information, as part of or in support of a claim for payment or another benefit knowing that the statement contains false information concerning a fact or thing material to the claim commits a fraudulent insurance act that is subject to the penalties imposed by statute. An individual commits a “fraudulent insurance act” when: 1 the person presents or causes to be presented an oral or written statement, 2 the statement is part of or in support of a claim for no-fault benefits, and 3 the claim for benefits was submitted to the to the insurer or the state, further, 4 the person must have known that the statement contained false information, and 5 the statement concerned a fact or thing material to the claim. As to both motions for summary disposition, plaintiff failed to show that any genuine issue of material facts exists. Accordingly, the trial court did not err by granting summary disposition in favor of defendants. ZALMA OPINION As I get older the competence of those who attempt to defraud insurers gets less and less competent. Kallco is an example of the lack of competence. He claimed all kinds of injuries and inability to work or play with his children and, when faced with a competent defense, he ignored the motions, failed to respond, and when he lost he appealed claiming the motions against him gave enough evidence to raise a issue of fact. What a waste of the court’s time and I must ask why, with such convincing evidence, no criminal charges were brought. (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 Sorry about the delay in posting. I’m recovering from pneumonia and spending most of the last week in bed with pills, Kleenex, coughing and sleep which I couldn’t get in the hospital. Should be act in shape next week but doctors make no promises.

**BREAKING NEWS MICHIGAN:** **@MichiganDems reveal new toll road bill for #LameDuck session next week. Call them 517-373-0857 don’t let them toll us!**

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

https://jihadwatch.org/2024/11/michigan-muslim-influencer-says-allah-sent-muslims-to-civilize-west-uncivilized-westerners-still-use-toilet-paper

Deranged White Liberal Women Hold ‘Primal Scream’ Event at Lake Michigan Following Trump Win https://www.infowars.com/posts/deranged-white-liberal-women-hold-primal-scream-event-at-lake-michigan-following-trump-defeat

https://thewashingtonstandard.com/michigan-bill-hb6147-advances-steps-against-cbdcs/