I am Thankful Thanksgiving Wishes from the Zalma Family Post 4938 Posted on November 27, 2024 by Barry Zalma See the full video at and at hope, on this Thanksgiving weekend, that you can join my family and me remembering that it is more important to think about our blessings and those things that we have to be thankful for than to get in line for “Black Friday” to buy an inexpensive flat screen t.v. or tablet. Enjoy the holiday and your family as I will. 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. To me, I am thankful for you, my friends, clients and readers of “Zalma’s Insurance Fraud Letter,” my blog “Zalma on Insurance,” and my books and other writing including the third Edition of the ten volumes of my treatise, “Zalma on Insurance Claims” and the Fourteenth Edition of “Property Investigation Checklists.” As a first generation American I am honored to join with all Americans the ability to celebrate Thanksgiving that started when the United States was a dream and just a colony of Great Britain, to give thanks for the good things in life at least once a year. It took Abraham Lincoln, our greatest President to make it an official holiday. The Thanksgiving holiday gives me and my family the opportunity to consider the blessings we have received and to thank all who have made it possible. Please allow me this opportunity to explain to you all the things I, and my family, can continue to give thanks for: 1. I have loved my wife of almost 57 years since we first met when she was nine and I was twelve. 2. I am thankful that she still loves me and lets me make clear every day that I love her more now than I did when she ignored me when I was 12. 3. My three adult children who are successes in their own right. 4. That my three children who put up with my wife and I, and are healthy, successful, and mostly happy in what they do. 5. My almost eight-year-old granddaughter and my 22 year-old grandson live nearby, my grandson is now a successful college graduate from Puget Sound University in Washington state and working full time in I.T. 6. My clients who, for the more than 57 years have allowed me to earn a living doing what I love. I practiced law until I let my license go inactive, acting as a consultant, testifying as an expert witness and writing materials to help others provide excellence in claims services as members of the insurance profession. 7. My publishers the American Bar Association, Full Court Press, Fastcase.com, Thomson Reuters and Amazon.com. 8. My dearly departed parents and grandparents for having the good sense to leave the Ottoman Empire at the beginning of the 20th Century so we could avoid the Holocaust and I could be born American. 9. My country for giving me a place to live and work in peace and complain about it without fear. 10. The state of California, where I was born, and have lived for 82 years, for allowing me to have my home and grow my family, and the ability to pay California’s high taxes for the privilege. 11. Those of you who read what I write and gain something from it. 12. Eighty two years of mostly good health, but for a small heart attack,clogged arteries, a failed Aortic heart valve, ant the surgeons that gave me the ability to continue to work – albeit at a reduced rate. 13. Allowing me the health and ambition to avoid my cardiologist by walking every day and working on my garden and bonsai with one of my Chinese Elms in a pot for more than 49 years. 14. The hundreds of friends I have never met but with whom the Internet has allowed me to communicate in parts of the world I have never visited. 15. The wonder of the Internet that allows me to publish E-books, ZIFL and my blog instantly on line. 16. That my family can get together to express our thanks for each other and our happiness this year again without a need for anything but enjoying each other’s company and some good food. 17. That most of you who I know only by my publications can also gather with your families to express your thanks. When I enlisted in the U.S. Army in 1964, I volunteered ostensibly to avoid the draft and volunteered to serve anywhere in the world. Fortunately, the Army made assignments in alphabetical order and I was sent by the U.S. Army Intelligence Corps to Peoria, Illinois where I became a Special Agent in Charge of an office investigating people who sought security clearances. I was trained to be an investigator and enjoyed every minute of the job. Until the Army I had never seen a river without a concrete bottom only to see the mighty Mississippi as my first real river. I had never seen snow other than in the distance on mountains only to find myself shoveling the snow off the driveway in the small half-of-a-house I rented from an old couple who could not do it themselves. My investigative assignments required me to travel throughout Central Illinois from the Iowa to the Indiana borders. I stopped at court houses along the way, all of which had signs that Abraham Lincoln practiced law there. Those experiences with the courts, law enforcement officers, and court personnel probably gave me the incentive to become a lawyer. When I finished my three year enlistment I returned home, proposed marriage to the love of my life, who fortunately for me, accepted. I began the study of law at night and found my first real job where I could use the skills I learned in the Army. I was hired as a claims trainee at the Fireman’s Fund American Insurance Company who spent the time to train me to be a claims adjuster. The training was, unlike modern insurers, thorough. I was required to read a treatise on insurance and insurance claims handling. I was sent out with experienced adjusters in all types of insurance Fireman’s Fund wrote to learn as they adjusted claims, and eventually allowed to deal with the public under close supervision. Contrary to the requirements of the insurance industry at the time, Fireman’s Fund allowed me to study law at night while I worked as a full-time insurance adjuster. I was fortunate enough to work for a claims manager – Coleman T. Mobley – who did not require me to go out of state to adjust major storm claims if it interfered with my law school studies. Since I was in law school 50 weeks a year the only catastrophe storm duty I was required to work was a fire storm that burned from the San Fernando Valley to the ocean at Malibu. Because of Mr. Mobley and the Fireman’s Fund I was able to complete my studies and pass the California Bar in 1971 and be admitted to the California Bar on January 2, 1972. I took a cut in pay to get my first job as an Associate Attorney with a law firm that was willing to teach me to be a lawyer handling every kind of problem a new lawyer could face from wills, tort claims, divorce, drunk driving, trials, depositions, and dozens of orders to show cause in multiple courts around the Inland Empire of California. By doing so, when I started practicing law in 1972, I became a lawyer who could deal with any issue brought to me. I was fortunate enough to be able to move to an insurance law firm in Century City where I was assigned to a coverage lawyer who was trying to deal with over 500 active matters and, who, when I arrived, assigned 250 of the matters to me and pointed me to the firm’s library to learn what to do. At the time new technology was an IBM Selectric typewriter that could erase errors from the keyboard without the need to use white-out paint. I did legal research in the firm’s large library which, when it was inadequate for the task, I drove to the County Law Library in downtown Los Angeles to adequately research legal questions . Research in a large library took days to find support for an issue. I needed three professional legal secretaries to keep up with my dictation. Now, using modern technology, I can do the same legal research in 30 minutes on Fastcase.com, need no secretary, and can operate my consulting, writing, training and publishing businesses with no employees. In 1979 I decided it was time to be my own boss. I started a law firm called Barry Zalma, Inc. with a secretary who came from my last firm and brought an IBM Selectric typewriter with her into a small windowless office. I had obtained a line of credit from a bank that I hoped would carry us until the practice started since the only case I was sure of when I moved into my new office, was my sister’s rear-ender from which I could not, and did not, take a fee. The office was furnished with a file cabinet from my father-in-law’s dental practice and a dining room table from my wife’s grandmother who had passed away. I received my first call at 8:10 a.m. on the first day, October 1, 1979, from Alan Worboys, a claims person speaking for Certain Underwriters at Lloyd’s, London and my practice began. Alan became, and still is, a long time friend. I had nothing to do on October 3, 1979 so I wrote an article for publication. After that, I had no peace and the firm quickly grew to 9 lawyers and a staff to serve them all defending people who were insured and acting as coverage counsel for insurers who needed advice and counsel concerning interpretation of insurance contracts and how to deal with attempted fraud. I, and the lawyers who joined the firm also provided defense to insureds of our clients and defense of suits against the insurers for tort, including the tort of bad faith. I was more successful than I ever expected. I, whose experience was limited to Los Angeles County and Central Illinois, found a need to travel to Taipei, Taiwan and London, England on behalf of my clients. I worked, as I had learned from my father who survived the Depression, 16 hours a day, six or seven days a week. When I became 75 years old my firm had been reduced back to a sole practice and I decided it was time to stop practicing law and become a consultant and fulfill my childhood dream to be an author. I am a very lucky and happy man. I do work that I love. I fulfilled my childhood dreams. I Live in a home I have owned for more than 49 years that my wife and I adapted and increased as children were born to meet our needs. I have the love of my life with me and look forward to celebrating our 57th wedding anniversary next month. I am honored that my eldest daughter has come back to live with us and care for my wife and I who are not able to do everything we used to do. I have three wonderful children, two grandchildren and all live close. My son, and his business shares my office building and has time to visit with me as allowed by his busy schedule. (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 This is a long article so go to https://www.linkedin.com/pulse/i-am-thankful-barry-zalma-esq-cfe-bzysc, to read the full article.

A child in the FIRST GRADE has so much left to learn about LIFE and about surviving in this world! The child needs to learn so much. The child needs to learn the #Truth about how to stay healthy, how to avoid danger, how to earn a living, how to add and subtract,how to read and write his name..... But instead of teaching this child ANY OF THESE REAL WORLD SKILLS THAT HE WILL USE DAILY.... The child will be led into the classroom, seeing the #Globe on his teacher's desk FIRST THING, and then his VERY FIRST ASSIGNMENT will typically be learning of the purely THEORETICAL "Solar System." An UNPROVEN THEORY that directly contradicts the word of YHWH and the child's bible about the LIGHTS IN THE SKY that the child will NEVER interact with, never need to interact with, and has no effect on the child's life whatsoever... with the exception of enjoying their beauty and the light they provide on his earth WHY would this be the VERY FIRST THING YOU TEACH A 6 YEAR OLD CHILD????? Perhaps because you are brainwashing the child into a belief system that goes against all of creation AND the word of Yah??? Perhaps you are indoctrinating this child into an ancient Babylonian SUN #CULT that has existed since before the bible was written... Perhaps you are being funded by a Luciferian, if not the seed of the Devil himself, who gets to choose the curriculum taught to children because he is wealthy beyond belief. Wealthy because he has enslaved the entire world by printing up worthless pieces of paper and convinced humanity that they have value, when in truth it is simply a system of Satanic control! Ever consider THAT??? It is likely the very SAME Luciferian that provides the TEXTBOOKS at BELOW COSTS to assure that he gets to provide the information that EVERY CHILD IN AMERICA must learn! This way he never has any competition... Because most publishers want to at least make a nickel per book... But this Luciferian does not WANT money.... He prints his own money already! What he wants is CONTROL OVER THE MINDS OF CHILDREN! He wants to be certain that children are taught Luciferian doctrines And he wants these children taught WHAT TO THINK..... And not HOW TO THINK! The #Schools in America are for the purposes I mentioned above... THERE IS NO QUESTION... This is all factual! It should be painfully obvious to people, but those people had their own minds usurped by this demonic indoctrination center! You are being "Educated" how to be a "Good little #Slave" with some Luciferian, anti-bible doctrines mixed in, and nothing more. I don't know how else to spell it out for you! I hope that you will at least ponder, and look into what I have told you, it is all factual and true

WE ARE SCIENTISTS: Scientist Without Degree Possible? Based on the search results, it is possible to be a scientist without a degree. Here are some key points: In bioinformatics, many people working in the field did not have a degree in bioinformatics until recently, when degree programs were established. Self-study and learning by doing can be sufficient to become a bioinformaticist. In data science, it is possible to become a data scientist without a degree, as long as one has the necessary skills and can demonstrate their abilities through work and publications. In programming, one can learn by self-study and experience, as exemplified by the individual who taught themselves assembly language and went on to start a company and work at Microsoft. In astronomy, amateur astronomers have discovered comets and asteroids, and those with larger instruments have discovered supernovae in distant galaxies, demonstrating that non-degree holders can contribute to scientific discoveries. The scientific community values results and replicable experiments over formal education. As long as one’s work is well-documented and replicable, their credentials will not appear on the article, and their findings will be acknowledged. However, it’s important to note that: Without a degree, it may be more challenging to gain recognition and acceptance within the scientific community, particularly in fields with strong academic traditions. Self-study and learning by doing require significant dedication and effort, and may not provide the same level of formal training and mentorship as a degree program. In some fields, such as academia or research institutions, a degree may be a requirement for employment or funding. Ultimately, becoming a scientist without a degree requires a strong passion for learning, a willingness to put in the effort to develop necessary skills, and a focus on producing high-quality work that can be replicated and validated by others.

Ex-Cop Battles Demons, Supernatural: 'Worst Evil That You Can Imagine' 175,882 views Sep 5, 2024 #christiannews #cbnnews #breakingnews Ex-NYPD officer Chris DeFlorio once patrolled the streets observing the "worst evil that you can imagine." But after coming to faith, he and his wife came to understand the real roots of that diabolical horror. Now, he's on a mission to fight the demonic, using his skills to help those afflicted by true evil. Here's his story. https://xephula.com/posts/990001

Ex-Cop Battles Demons, Supernatural: 'Worst Evil That You Can Imagine' 175,882 views Sep 5, 2024 #christiannews #cbnnews #breakingnews Ex-NYPD officer Chris DeFlorio once patrolled the streets observing the "worst evil that you can imagine." But after coming to faith, he and his wife came to understand the real roots of that diabolical horror. Now, he's on a mission to fight the demonic, using his skills to help those afflicted by true evil. Here's his story.

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Copied :: Say what you will about Pierre #Trudeau – and you may say many negative things about a man who deliberately chose to spend the Second World War sitting on the sidelines; who shilled for Red China while it murdered tens of millions of people, who was a life-long apologist for Soviet Communism, who began a relationship with a teenager when he was already an old man, who nearly spent Canada into bankruptcy, who tried to steal the wealth of the West and ruined a generation of Albertans, whose quest for personal glory nearly broke the Canadian federation, and who recklessly fathered a daughter when he was a septuagenarian and therefore left a little girl of nine without a father when he died – but it is beyond dispute that he was at least a very intelligent man. It is true that he was also a cold; reckless, and destructive man, but there was definitely something there. Of Justin it may be said that he has managed to inherit all of the flaws of his father – his recklessness; his arrogance, his willingness to apologize to and appease enemies of our civilization, and his almost unique ability to be wrong about every issue of significance. Whether or not he inherited the other qualities of his parents – that is to say whether his personal life is as dissolute and debauched as that of his father – is not currently a matter of public record, but I imagine that it will be soon enough. However, it can be said with certainty that J.Trudeau did not inherit his father’s sole virtue: everything that is already in the public record suggests that Justin Trudeau is a profoundly stupid man whose only qualification to be Prime Minister is that he has a famous name. That he should, at this particular juncture in history, be elected Prime Minister of Canada ought to shame all Canadians. What, pray tell, has this man ever accomplished in his entire life? His biography is available for all to read. Young Master Trudeau, so far as I can tell, has never held anything resembling a real job for any length of time. His biography describes him as having been a teacher, but he was still a substitute teacher at least as late as 1999 (he worked at my High School) and he appears to have begun a never-completed graduate degree in 2002. Before that – when he was already in his mid-twenties – he was a ski bum in Whistler. In other words, this Prime Minister appears to have – at the absolute most – had about three years of full-time work experience before seeking to lead the nation. This man never led anything in his entire life. Quite literally he doesn't have the requisite experience on his resume to be hired as the Manager of a Starbucks. Indeed, to be very clear, the last sentence wasn't intended to be at all insulting to anyone who either manages or works for Starbucks – I'm a frequent customer and it is, by all accounts, a very challenging job. But, surely, we can all agree that Prime Minister is a job that requires at least the same level of previous management experience as Starbucks management. Consider all that you have achieved in your own life. Most of you, I presume, are from a background rather like myself. That is to say that you are from middle class families and had to earn your way through life. You had to work to pay your way through school. You had to worry about paying the rent, about saving money for a down payment, about how much of a mortgage that you could afford. Most of you have probably worked bad jobs or taken work beneath your education and dignity because you simply needed the money. Some of you probably missed out on having fun – on ski trips to pick one relevant example – either because you could not afford them or because you simply had to work. That, you and I probably both believe, is simply a natural part of life. All of that is quite foreign to Justin Trudeau. Now, I am both a conservative and a capitalist. I do not begrudge or resent great wealth and privilege in and of itself. One of the primary aims of my own life is to eventually earn (and manage to keep, in the face of a rapacious state) enough so that the next generation of Yoshidas doesn't have to make compromises when it comes to fundamental life decisions for financial reasons. I think that people have a right to earn as much as they can and to pass that along to their children. But, as the children of privilege get to enjoy certain advantages in life, so do I believe that those to whom much is given have a profound moral responsibility to contribute to the world in some fashion in exchange for all that they have been given in life. And what, we ought to inquire, has J.Trudeau done with his life and privileges? His accomplishments such as they are – eternal years as a student; two partially-completed Masters degrees, and perhaps a few years of work experience – are scant when compared with those of the average middle-class Canadian of modest means and background. I could literally walk down the street outside of my home and pick out a hundred random people with more work experience, education, and life experience than J.Trudeau has. When you consider that this man is the child of a multi-millionaire and carries arguably the most famous name in Canada, his below-average record is particularly shameful. This man had every single advantage that it is possible for a young Canadian to have and that is all that he could do with his life? In general, I view the idle rich to be more objects of pity than deserving of hatred. That calculation however, changes rather rapidly when they aspire, as J.Trudeau does, to translate that unearned privilege into power over the rest of us. If “Justin Trudeau” were instead “Justin Thompson” it’s pretty safe to assume that he'd be collecting EI and writing a screenplay on a battered laptop at some local coffee shop. The only reason why we are threatened with this man in 24 Sussex is that he carries a famous surname. It is the greatest of ironies that so much of the support for this particular man came from the sort of people who spend the rest of their time re-blogging articles on “white privilege.” Now, as Canada prepares to join the fight against ISIS and the other Islamic barbarians who threaten our people and way of life, we see that J.Trudeau intends to use his unearned privileges to carry on his father’s tradition of serving as an apologist for and appeaser of all of the enemies of our civilization. In this he is, most regrettably, simply carrying on in the long tradition of a Quebec political establishment whose behaviour in the face of our enemies has long been disgraceful and immoral. Just as the Quebec political establishment took seditious, and at times, almost traitorous positions in the face of the German threat in both World Wars (shameful episodes that are somehow generally hushed-up in the retelling of our history),today J.Trudeau is, as his father once was, on the other side in the great crusade for civilization. It is grating on my nerves to know that Quebec is subsidized by the Canadian government to the tune of $16 billion dollars. If you think rest of our Canadian provinces get any of this largesse, you are mistaken!! Justin Trudeau in 24 Sussex – will likely be fatal for the Canadian Federation. How long do you think, in this day and age, will the Western Provinces remain willing to accept the dictates of a Quebec-controlled government hostile to the very basis of its entire economy? This child doesn't have the political skills or the experience to navigate such a potentially-perilous situation; for not only is he unfit to lead the nation, but he is also an unworthy successor to his predecessors as Leader of the Liberal Party who, for all of their many faults, were at least men of accomplishment and substance. If you believe in individual merit – if you believe that we should have a country where accomplishments matter more than your name – then we should have rejected this haughty and arrogant child who would presume to rule over us all. Trudeau is a danger ⛔️ to Canada 🇨🇦. #TrudeauMustGo.

YOU HAVE TO HAND IT TO THE LIBERAL DEMOCRATIC PLAY BOOK. THE PRESENTATION OF ‘THE NEXT SHINNY OBJECT’ HUNTER’S TRIAL! MUCH TO DO ABOUT NOTHING, THE WORLD KNOWS HE WILL SPEND NOT ONE NIGHT IN JAIL. DADDY THINKS THIS GUY IS ONE OF THE SMARTEST GUYS HE KNOWS, NOT COUNTING THAT IT’S HIS SON. IF YOU PLAN TO VOTE FOR JOE BIDEN, YOU ARE EITHER MENTALLY ILL, LACK THE SKILLS TO THINK, UNABLE TO READ, LISTEN TO NEWS, WATCH T.V. OR YOU CAN'T MENTALLY COMPUTE RIGHT FROM WRONG. OR DOES THE NAME DONALD J. TRUMP SET YOUR HAIR ON FIRE? GROW UP, LOOK AT ALL THE NEWS, INFORMATION AND REMEMBERING THE TRUMP ADMINISTRATIONS VICTORIES FOR AMERICA . AGREE OR DISAGREE, YOUR ANSWER WILL BE YOUR EPITAPH.