Podcasts about tails you lose

In this week's episode of Promising Young Surgeon, we dive into the intricate world of organizational dynamics with Colin. Together, they dissect the Gervais Principle, a framework that uses the popular TV show "The Office" to illustrate how individuals navigate complex organizational structures. From understanding the roles of sociopaths, losers, and the clueless within a workplace to exploring the nuances of power talk, posture talk, and game talk, this episode offers a comprehensive guide to maneuvering through professional hierarchies. Frances Mei and Colin also discuss the concept of "Heads I Win, Tails You Lose," where individuals often take more credit for successes and less blame for failures. They provide insights into how different organizational players, from sociopaths to losers, manage these dynamics to their advantage or detriment. With real-world examples from healthcare settings and relatable scenarios from "The Office," listeners gain valuable strategies for recognizing and navigating these dynamics in their own careers. 00:00 – Intro02:13 – What You Need to Know07:18 – Heads I Win, Tails You Lose26:30 – Divide and Conquer28:34 – Bureaucracy41:41 – Major Takeaways55:33 – Favorite Taylor Swift Album Find More info on this series and other podcasts on the Influent Network at HeyInfluent.comFollow the Influent Network on Social Media:LinkedIn | Twitter (X) | YouTube | TikTok | Instagram | Facebook The Influent Network is where emerging healthcare professionals and esteemed medical experts converge. Our platform is a straightforward resource for career development, financial planning, practice management, and investment insights, designed to foster strong professional connections. Powered by HurrdatSee Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

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NPR Music's Ann Powers and Hazel Cills dig into Taylor Swift's 'The Tortured Poets Department,' which hit streaming services last night, and share a handful of other new albums out Friday, April 19.Featured Albums:• Taylor Swift, 'The Tortured Poets Department'• Bbymutha, 'Sleep Paralysis'• claire rousay, 'sentiment'• Pearl Jam, 'Dark Matter'Other notable albums out April 19:• Stephanie Lambring, 'Hypocrite'• Cadence Weapon, 'ROLLERCOASTER'• Tei Shi, 'Valerie'• Ekko Astral, 'pink balloons'• Bill Frisell, 'Orchestras'• BIG|BRAVE, 'A Chaos of Flowers'• Blue Lab Beats, 'Blue Eclipse'• Chanel Beads, 'Your Day Will Come'• Local Natives, 'But I'll Wait For You'• Gangrene (The Alchemist & Oh No), 'Heads I Win, Tails You Lose'• Brian Eno, 'Eno'• Cloud Nothings, 'Final Summer'• Melvins, 'Tarantula Heart'• Mozzy, 'CHILDREN OF THE SLUMS'• Lucy Rose, 'This Ain't The Way You Go Out'• Pillow Queens, 'Name Your Sorrow'• A Certain Ratio, 'It All Comes Down To This'• Cavalier, 'Different Type Time'• Kid Congo & The Pink Monkey Birds, 'That Delicious Vice'• T Bone Burnett, 'The Other Side'Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

The game has been rigged against you and toward Big Banks and other major financial players. This concerns the so-called “Safe Harbor” provision which grants those big players the right to reach into a failing or failed financial company and take what they feel they are owed. Most of you will find this shocking, and you should. It's deeply unfair,Click Here for Part 2

ZIFL Volume 28, Issue 4 The Source for the Insurance Fraud Professional Subscribe here: 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/ The current issue can be read in full at http://zalma.com/blog/wp-content/uploads/2024/02/ZIFL-02-15-2024.pdf and includes the following articles: Do the Crime, Serve the Time Chutzpah: After Pleading Guilty Fraudster Tried to Reduce his Sentence by an Appeal After pleading guilty, Armando Valdes appealed his 60-month sentence for health care fraud, in violation of 18 U.S.C. § 1347. Valdes's conviction and sentence arose out of his scheme to submit millions of dollars in fraudulent medical claims to United Healthcare and Blue Cross Blue Shield for intravenous infusions of Infliximab, an expensive immunosuppressive drug. These infusions, purportedly given to patients at Valdes's medical clinic, Gasiel Medical Services (“Gasiel”), were either not provided or were medically unnecessary. Read the full article in Adobe pdf format at http://zalma.com/blog/wp-content/uploads/2024/02/ZIFL-02-15-2024.pdf More McClenny Moseley & Associates Issues This is ZIFL's twenty fourth 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 indicate may be criminal conduct to profit from insurance claims relating to hurricane damage to the public of the state of Louisiana. Read the full article in Adobe pdf format at http://zalma.com/blog/wp- California Insurance Commissioner Lara Issues Consumer Fraud Alert As Flood Recovery Begins In San Diego County Following the recent flooding in San Diego which damaged and destroyed hundreds of homes, businesses, and vehicles, Insurance Commissioner Ricardo Lara put the Department of Insurance on alert for potential fraud and illegal actions targeting flood victims. Read the full article in Adobe pdf format at http://zalma.com/blog/wp-content/uploads/2024/02/ZIFL-02-15-2024.pdf Health Insurance Fraud Convictions Guilty in Arkansas Shaona Mizell, 52, of Paragould, Arkansas. in Pulaski County Circuit Court on January 23, Mizell pleaded guilty to Medicaid Fraud, a class A misdemeanor. Read the full article in Adobe pdf format at http://zalma.com/blog/wp-content/uploads/2024/02/ZIFL-02-15-2024.pdf Arson and Restitution CONVICTED ARSONIST MUST PAY RESTITUTION A fire at a residential property destroyed several structures and made nearly all of the owner's personal property unsalvageable. Insurance Fraud Attempt Defeated THE HAWAIIAN, ATTEMPTED FRAUD DEFEATED BY A THOROUGH INVESTIGATION The following is a fictionalized True Crime Story of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. Read the full article in Adobe pdf format at http://zalma.com/blog/wp-content/uploads/2024/02/ZIFL-02-15-2024.pdf Barry Zalma Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. (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/publish/post/107007808 Go to Newsbreak.com  https://www.newsbreak.com/@c/1653419?s=01 Go to X @bzalma; Read the full article in Adobe pdf format at http://zalma.com/blog/wp-content/uploads/2024/02/ZIFL-02-15-2024.pdf --- Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support

The Hawaiian The following is a fictionalized True Crime Story of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. Post 4734 The insured was a contractor in Honolulu. He made an excellent living cheating his customers. The insured's most lucrative scheme was an electronic vermin killer. It consisted of a long wire and a transformer. The contractor strung the wire around a house and plugged it in a wall. The device, charged with low voltage from the transformer, allegedly repelled vermin. The insured guaranteed that all roaches, flying insects and rodents could not pass the charge in the wire. When it didn't work and a customer called to complain the insured would ignore the complaints. Since the tropical Hawaiian climate is a prime breeding ground for insects, the insured had no lack of customers. He bought a Ferrari sports car with the profits. After gaining her confidence the adjuster confronted the secretary with the result of his investigation. He told her he knew that the appraisals were not done by the jeweler. He showed her where he had discovered that the typewriter used to type the description of the items of jewelry was different from the typewriter used to type the name of the appraiser. He told her that he liked her and would be very sorry if she was involved in aiding her boss in committing a crime. She began to cry. When he calmed her down, she confessed that she had typed in all of the descriptions and the values of the jewelry. Her boss, the insured, took the print ball out of the IBM Selectric typewriter and smashed it under his shoe. If asked, she was to say that his children broke the typewriter while playing with it. The adjuster thanked her, paid for lunch and suggested she get a new job. He told her he would do what he could to keep her out of criminal problems. He then got permission from his client, the insurer, to deny the claim. He wrote a simple brief, letter to the insured stating as follows: “Your claim is denied because it was presented by you with the knowledge that it was false and fraudulent.” He said nothing more. The adjuster, as required by law, reported his findings to the local police agency and to the U.S. Postal Inspectors. Both promised to complete a prompt criminal investigation and prosecute the insured for insurance fraud. The adjuster waited, patiently, for five years. Every twelve months he would ask the police concerning their investigation. He would always receive the same response “We're working on it.” Five years elapsed since his conviction. He is still making a living as a contractor in Hawaii defrauding his customers. He paid when the probation officer caught him what he told the probation officer he could afford. In five years the insured paid, on the restitution order that is a condition of his probation, a total of $250.00. His probation is over. The crime did not succeed. He did not collect $500,000. The insurance company did not succeed. It paid out over $10,000 to its investigators which it will never recover and the ordered restitution was never paid. Adapted from my book "Insurance Fraud Costs Everyone" available at Available as a Kindle Book and Available as a Paperback from Amazon.com https://www.amazon.com/Candy-Abel-Murder-Insurance-Money/dp/1976823757/ref=sr_1_1?s=books&ie=UTF8&qid=1517924833&sr=1-1&keywords=%22candy+and+abel%22. Read the full article at https://zalma.com/blog (c) 2024 Barry Zalma & ClaimSchool, Inc. Go to X @bzalma; Go to the podcast Zalma On Insurance at https://podcasters.spotify.com/pod/show/barry-zalma/support; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg;  Go to the Insurance Claims Library – http://zalma.com/blog/insurance-claims-library. --- Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support

Insurance Fraud Costs Everyone Fictionalized True Crime Story of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The story that follows are designed to help everyone Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime. The insurance industry, unintentionally, instructs its insureds how to successfully perpetrate insurance fraud. Insurers encourage fraud by: 1. decimating its professional claim staff by short-sighted cost cutting. 2. by selling insurance to persons unknown to the company or the broker. 3 by accepting the word of new applicants without a pre-risk survey. 4 by allowing threats of bad faith lawsuits to intimidate the company into a quick settlement. Why A Retail Baseball Card Store Was an Invitation to Fraud The husband and wife had failed in several tries to conduct a profitable retail business. They simultaneously closed their comic book store and opened a new business called Out In Left Field where they sold baseball cards in the 1980's at the apex of the baseball card fad. They located in a new, strip shopping center, in a residential area of Fresno, California. This type of loss will continue to occur as long as insurers fail to maintain adequately trained claims and underwriting staff. If insurers continue to accept insureds at face value without any pre-risk inspections or investigation this type of loss will multiply. Insurance agents and brokers will have their loss ratios increase logarithmically. Profits will fall because they did not inspect and control the risks they insure. Adapted from my book, Insurance Fraud Costs Everyone Available as a Kindle Book and a Paperback from Amazon.com. --- Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support

On this week's episode: Alaska Airlines catches a little TOO much air ... We'll explain to Ron DeSantis that thought police aren't supposed to go after all thought ... And we learn about darts from our intrepid sports reporter Eli Bosnick. To support our show on Patreon, go here: https://www.patreon.com/skepticrat To hear more from Evil Giraffes on Mars, go here: https://www.facebook.com/EvilGiraffesOnMars Get great deals while supporting the show by checking out our sponsors: https://betterhelp.com/skepticrat https://policygenius.com https://auraframes.com (code: SKEPTICRAT) https://trustandwill.com/skepticrat Another amazing word of the day from Susie Dent: https://twitter.com/susie_dent Headline Sources: Trump's Iowa town hall recap: https://www.nytimes.com/2024/01/10/us/politics/trump-town-hall-fox.html https://www.desmoinesregister.com/story/news/elections/presidential/caucus/2024/01/10/trump-fox-news-town-hall-iowa-caucuses-highlights-christie/72163126007/ FAA Investigating Whether Boeing 737 Max 9 Conformed to Approved Design: https://www.nytimes.com/2024/01/11/business/faa-boeing-737-boeing-max-investigation.html DefSec doesn't bother to tell anyone he'll be out of commission: https://www.politico.com/news/2024/01/08/congress-austin-pentagon-hospital-defense-00134286 https://www.nytimes.com/2024/01/13/us/politics/lloyd-austin-private-public.html Lauren Boebert did not punch her ex-husband in the face or he's letting it go: https://apnews.com/article/lauren-boebert-exhusband-altercation-arrest-ed3ba1a94e6dba08bf67f1d5d54ad9b3 https://www.bbc.com/news/world-us-canada-67911826 AP PHOTOS: Raucous British fans put on a show at the world darts championship: https://apnews.com/article/world-darts-championship-photos-e0aa730a30d305310b386cd101dc3e07 Florida schools remove dictionaries for being too woke: https://popular.info/p/florida-school-district-removes-dictionaries

LIFE INSURANCE FRAUD FOR FUN & PROFIT "This following is a Fictionalized True Crime Story of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The story is one of many designed to help the public Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime." “George,” Adam said, “The only way we can get out of this financial mess is our life insurance policies.” “I don't want to die to collect,” George said. “Neither do I,” Adam replied. “But I still want to collect.” “Do you propose to murder me.” “No, George, I propose that we find a homeless person who physically resembles one of us and kill him. We can plant identification on the corpse and then share in the $6,000,000 double indemnity payment.” “My,” replied George, “that's a brilliant, although evil and criminal, plan.” “I see no other way out. It's either the death of a useless human being or total financial catastrophe for us.” “Adam, they have a death penalty in this state.” “So, what, the plan is perfect. No one will know. We'll retire in luxury.” “Okay, I'll go along with it, but I don't like it. This is dangerous.” The partners began to travel skid row. They needed a homeless person who physically resembled one of them in height, weight and coloring. It took them a week to find the right person. They befriended him with a bottle of wine and a free meal. They told him that they had just completed a twelve-step program and part of that program was to help a person in need. Together, they took the homeless person to Adam's house. The partners washed off the grime in Adam's massive master bath, dressed him in Adam's clothes, and outfitted him with accessories until he looked like a Century City lawyer about to meet an important client. Although she considered Adam to be a prodigious lover, the young lady was more interested in cash than love. From the hotel, she drove directly to the West Los Angeles station of the Los Angeles Police Department and introduced herself to a detective. She knew that a life insurance claim had been made and wanted the police to know that the person whose murder they were investigating was presently sound asleep in his hotel room at the Four Seasons Hotel in Beverly Hills. She explained to them how Adam, after twenty minutes of horizontal Rhumba, explained to her how he had defrauded an insurance company out of $6,000,000. She explained to the police that she would never be a party to such a crime and wanted it noted in their report that she was the source of the information and the person to whom any rewards posted by the insurance company should be paid. Adam and George were arrested and tried for the murder of Fuzzy as well as several counts of insurance fraud. The testimony of the young lady, the presence of Adam and the Los Angeles Airport recording of George's license plate on entry and exit from the airport parking lot made their defense impossible. They were convicted. Adam and George are now spending the remainder of their lives in the State Penitentiary. The insurer recovered $4,000,000 of the $6,000,000 (George and Adam had lived well for that year and a half) and paid the lustful young woman a $400,000 reward. She lived happily ever after. Adapted from my book, Insurance Fraud Costs Everyone (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/publish/post/107007808 Go to Newsbreak.com  https://www.newsbreak.com/@c/1653419?s=01 Go to X @bzalma; Gnce-claims-library. --- Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support

The Largest Residential Burglary of All Time This is a Fictionalized True Crime Stories of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The story is designed to help Everyone to Understand How Insurance Fraud in America is Costing Those who Buy Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime. To obtain the insurance he concealed from the American insurers that he was, at the time he purchased the insurance: an alien a court had ordered deported; that in his home country he was a wanted criminal; that he had left his home country with over $60,000,000.00 in checks unpaid; that every insurer at Lloyd's, London had refused to insure him; that all of his property was appraised for more than twice its actual retail replacement value; and that most of the antiques he had insured in reliance on an “appraisal” attesting to a $3,500,000 value, were fakes. Within seven days of the delivery of his policy, a “burglary” was reported. A total of $7,000,000.00 of specifically identified and scheduled personal property was reported stolen. He claimed an additional $2,000,000 in unscheduled diamonds were stolen from their hiding place in one of his 50 suit coats hanging in his master bedroom closet. The insurers refused to pay because they believed the insured made material misrepresentations and he concealed material facts in the purchase of the insurance. The Insured retained a prestigious plaintiff's bad faith lawyer to represent his interests. Because of the reputation of counsel for the Insured and the fear of an extra-contractual judgment, the insurers (against the advice of three different defense firms) settled for more than $4,000,000.00 of the $7,000,000.00 claim. The Insured's lawyer took a contingent fee of 50%, the insured's creditors took 20%, and the Insured took what remained. Because the IRS was unable to assert its multi-million-dollar lien in time, it got nothing. After a trip to China to take an examination under oath of the insured's sister – who was also named as an insured – and two years of discovery, counsel for the insurers moved the court for summary judgment confirming rescission of the policy. The evidence available of multiple misrepresentations and the concealment of material facts, rescission was warranted and counsel was confident the court would agree. The day before the insurers' counsel were to appear for oral argument on the motion for summary judgment the insurers and the insured's lawyer settled the suit without communicating with defense counsel and against the recommendations of defense counsel. To recover the money lost by paying the Insured the insurers could only pass the payment on to other, honest, insureds and the reinsurers. Once an insurer gets a reputation for paying for fraudulent claims rather than fighting with all of its assets those who perpetrate fraudulent claims will gather like vultures over a rotting carcass ready to pick the bones clean. The reverse is also true: when an insurer makes it clear it will never pay a fraudulent claim, regardless of cost, those who earn their living by fraud will stay away. It is time that prosecutors learn that the victim is not the giant insurance company but each and every person who buys insurance. (c) 2023 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/publish/post/107007808 Go to Newsbreak.com https://www.newsbreak.com/@c/1653419?s=01 Go to the Insurance Claims Library – http://zalma.com/blog/insurance-claims-library. --- Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support

Frank is trying to figure out what went wrong on his Thanksgiving date with Angie.

Why an Amateur's Attempt at Fraud Failed "This is a fictionalized true crime story of Insurance Fraud explaining why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The story is presented to help a reader to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime." --- Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support

The Resource for the Insurance Claims and Insurance Fraud Professionals What a Great Country! This article a fictionalized True Crime Story of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The story is posted to help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime. How Insurance Fraud Can Succeed Wo Ping Chen was trained as a physician in Hong Kong. Until Hong Kong was returned by the United Kingdom to the Peoples Republic of China, he was the best-known Orthopedist in the Crown Colony. Fearing problems with the new government he emigrated to Vancouver, British Columbia, Canada as a citizen of the commonwealth. He worked as an employee of the National Health Service for a year and then obtained a work visa to the U.S. and crossed the border into the U.S. only to find he could not work as a physician without a license from a U.S. state and attended a U.S. based medical school. After one year of medical school, one year of internship in a Seattle hospital and one year as a resident Chen was able to restart his life. Read this article and the full 20 pages of this issue at ZIFL in pdf at http://zalma.com/blog/wp-content/uplo... More McClenny Moseley & Associates Issues This is ZIFL's seventeenth 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 indicate may be criminal conduct to profit from insurance claims relating to hurricane damage to the public of the state of Louisiana. Access Restoration Services U.S., Inc. and MMA Scheme Alleged in Detailed New Orleans Court Pleading and more. Read this article and the full 20 pages of this issue at ZIFL in pdf at http://zalma.com/blog/wp-content/uplo... After Avoiding Prison Fraudster Appeals Unsuccessfully False Lightning Strike Claim Results in Fraud Conviction Read this article and the full 20 pages of this issue at ZIFL in pdf at http://zalma.com/blog/wp-content/uplo... Health Insurance Fraud Convictions Tampa Pain Management Physician Edward Lubin Agrees to Pay $1.5 Million To Settle False Claims Act Liability for Receiving Bribes and Writing Unnecessary Fentanyl Prescriptions Read this article and the full 20 pages of this issue at ZIFL in pdf at http://zalma.com/blog/wp-content/uplo... Other Insurance Fraud Convictions Claims Adjuster Will Serve Prison Time for Fraud Scheme Paul Richard Massey, of Shady Spring, West Virginia, a former Allstate claims adjuster, will spend one year and a day in prison, forfeit his beach house and pickup truck to the federal government after pleading guilty to wire fraud and money laundering. Read this article and the full 20 pages of this issue at ZIFL in pdf at http://zalma.com/blog/wp-content/uplo... Other Insurance Fraud Convictions Claims Adjuster Will Serve Prison Time for Fraud Scheme Paul Richard Massey, of Shady Spring, West Virginia, a former Allstate claims adjuster, will spend one year and a day in prison, forfeit his beach house and pickup truck to the federal government after pleading guilty to wire fraud and money laundering. Read this article and the full 20 pages of this issue at ZIFL in pdf at http://zalma.com/blog/wp-content/uplo... (c) 2023 Barry Zalma & ClaimSchool, Inc. Please tell your friends and colleagues about this Newsletter, blog and the videos and let them subscribe to the blog and the videos. Read this article and the full 20 pages of this issue at ZIFL in pdf at http://zalma.com/blog/wp-content/uplo... --- Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support

Most Public Adjusters are Honorable Professionals This is a fictionalized True Crime Story of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The stories help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime. Unfortunately, like Every Profession, Some are not Honorable and This Story is Presented to Warn Insurers and Professional Public Adjusters How to Recognize the Amoral Members of the Profession The amoral public adjuster also has in his office computers a schedule of household goods. Whatever claim he adjusts; the same list of household goods is presented to the insurance company adjuster. The list always contains ten cans of Libby peas, four cans of Libby string beans, five cans of Del Monte tomato sauce, and twenty can of Campbell pea soup. Every schedule prepared by the amoral public adjuster shows a thirteen-inch Sony Trinitron color television with remote control in the kitchen and a 50 inch HD TV in the family room. The living room always contains a complete entertainment center with sixty inch televisions hung on the wall, a TiVo, a stereo and a CD player. The amoral public adjuster does not even attempt to find out what was actually in the insured's house. Invariably, because of the extent of the list of personal property, the insured's claim is invariably greater than their policy limit. The amoral public adjuster is happiest when the loss exceeds the policy The amoral public adjuster's success relied on the fact that the company's adjuster is overworked, underpaid and under-trained. The fraud was perfect. The perpetrators and the victims alike, were satisfied. If the insurance industry believes it is saving money by under staffing, under paying and failing to properly train its adjusters, it is sorely mistaken. I submit that the most effective means of defeating fraudulent insurance claims would be for the insurance industry to recognize that its staff of adjusters must be highly trained professionals who earn the best wage in the insurance company and who are motivated and rewarded for good work. Adjusters must be compensated and rewarded for the quality of their work, not the quantity. Very few public adjusters are amoral. In fact, their national organization, requires they submit to the NAPIA code of ethics. [http://www.napia.com] If the amoral public adjuster followed the NAPIA code he would be the Moral Public Adjuster. This article was adapted from my book Insurance Fraud Costs Everyone  (c) 2023 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 Excellence in Claims Handling at locals.com at Go to the Insurance Claims Library – http://zalma.com/blog/insurance-claims-l --- Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support

In the latest Performing Credit Quarterly, Oaktree argues that investors analyzing today's leveraged credit markets should focus less on average risk and more on tail risk, as this segment of the market is currently much more vulnerable than usual. Armen Panossian (Head of Performing Credit) and Danielle Poli (Assistant Portfolio Manager, Global Credit) explore the risks and opportunities for credit investors if this tail risk becomes a tail reality.You can read the 3Q2023 PCQ here (https://www.oaktreecapital.com/docs/default-source/default-document-library/performing-credit-quarterly-3q2023.pdf?sfvrsn=6bf05166_3).

When an Obvious Arson is Just an Accident "This is a Fictionalized True Crime Story of Suspected Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The stories help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime." THE FIRE Sometimes, what looks like an obvious arson for profit turns out to be an accidental fire. The insured lived near the ocean within the city limits of San Luis Obispo. Recently divorced she lived alone for many months. The divorce had caused her much emotional trauma. After twenty-five years of marriage, her husband announced he could not live with her anymore and moved out. She sought treatment for her depression. She visited with multiple psychiatrists and psychologists, who only made her life more miserable. When the divorce was final and she gained absolute title to the land and house the book store owner moved into the house with her. As they, and their friends, concentrated their psychic energies, they became convinced that a major earthquake would strike California and destroy all who lived in San Luis Obispo. Shortly before escrow closed, while the insured and her book store owner lover, slept in the master bedroom, a fire broke out in the second bedroom of the house. Awakened by a sound like a heavy rainstorm, they discovered the fire and escaped naked through the bedroom window into their backyard. Neighbors called the fire department who quickly extinguished the fire after all its contents and most of the structure were destroyed. THE INVESTIGATION The investigation by the fire department revealed that the fire was suspicious. No specific cause could be found for the fire. It did burn very hot. There were marks on the floor in the second bedroom that seemed to show a flammable liquid was spread. The insurer was concerned. It demanded the examinations under oath of the insured and her book store owner lover. Both testified clearly, concisely and honestly that they had no idea why the fire occurred. The insurer conducted a thorough investigation and retained the services of an experienced fire cause and origin investigator. He sifted through the debris and found in the debris an electrically operated bed, equipped with a polyurethane foam mattress. The investigator advised the insurer that, after examining the bed and after reviewing the testimony of the insured and her lover at the examination under oath, it was his conclusion that the fire was the result of a short circuit in the bed motor which ignited the highly flammable (and now banned) polyurethane foam mattress. He explained that polyurethane foam, when heat is applied to it, liquefies and burns vigorously. The liquefied polyurethane foam flows on floor surfaces and leaves a trail similar to that left by the spreading of a flammable petrochemical accelerant. The mystery solved; the insurer paid the insured the loss she incurred to her personal property. The two insurers split the cost of rebuilding the structure. The insured and her lover used the proceeds of the sale of the house and the insurance claim to move to the house they had found in Tennessee. They now live in a large home on ten acres of land where they have gathered with them other believers in the occult and the power of the mind.  Since both the insured and her lover were ministers of the Universal Life Church, they performed their own wedding. Adapted from my book "Insurance Fraud Costs Everyone" available from Amazon.com as a paperback or a Kindle book (c) 2023 Barry Zalma & ClaimSchool, Inc. --- Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support

A Fictionalized True Crime Story This is a Fictionalized True Crime Story of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The Ben-Cohain brothers, quite by accident, came upon an imaginative fraud. The Los Angeles County District Attorney, after a lengthy investigation, charged them with violation of Penal Code § 550, insurance fraud, among others related crimes. The Ben-Cohain brothers operated a small furniture assembly facility in Los Angeles County. They imported knocked-down children's furniture (made of composition wood and Formica laminates) from Israel. They hoped to sell it to wealthy people in Beverly Hills and West Los Angeles who wished to support the State of Israel. The quality of the merchandise, however, was not high and the Ben-Cohain brothers had difficulty making a profit. The Ben-Cohain brothers purchased the salvage from their insurer for a small deduction in their total claim and sold it shortly after receiving payment. With the proceeds, one brother purchased a used Mercedes sedan and the other a used BMW. They were soon short of money since they still could not sell the low quality knocked-down merchandise. They sought out the services of Mr. Rosenberg, a public insurance adjuster, who attached a nylon rope to sprinkler head thirty feet above the warehouse floor and yanked it out of its fitting. After the fire department was gone, the brothers, noting that insufficient damage had been done by the water from the sprinklers, ordered their two laborers to form a bucket brigade. The laborers poured twenty-five buckets of water from the restroom on the stored furniture effectively making all of their inventory unsaleable. Shortly thereafter they called the insurer and a claim was presented for $1,000,000. While the salvors were doing their work, one laborer came up to him and whispered: “Senior, no es accidente!” Fraud Detected Although the salvor spoke no Spanish he understood what was said to him. He reported the statements to the insurer. American Indemnity then retained counsel to take the sworn examination of the laborers. Counsel, provided instructions for further investigation and later examined the insureds under oath at the request of the insurer. --- Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support

Kate and Josh discuss the Disqualification Clause and the growing trend of Republican legislators refusing to follow orders when it comes to any dismantling of their single party control.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Fictionalized True Insurance Fraud A Story of Life Insurance Fraud This is a fictionalized True Crime Story of Insurance Fraud to explain why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The story is intended to  help you to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime. The Hungarian owned and operated a board and care facility for the aging in Carson City, Nevada. He brought his younger brother over from Hungary in 1975 to help him in the business. It was only a twenty-bed facility and with little help, the two could manage the entire business. His younger brother maintained the facility, cooked the meals for the residents, doubled as a nurse and ran the business. The doctor acted like royalty. The younger brother suffered from severe hypertension. After the doctor had paid the first monthly premium on the life insurance policy, he explained to his brother that the hypertension drugs prescribed for him were dangerous. Within two weeks of taking his brother's drugs, the younger brother was found by his wife apparently dead, on his kitchen floor. They put the brother in an ambulance and began racing toward the emergency hospital with red lights and siren. The doctor followed and almost sideswiped the ambulance twice. They called for police help on their radio. They could not revive the younger brother. They pronounced him dead one hour after arrival at the hospital. The doctor convinced the wife there should be no autopsy. His brother, her husband, had a severe heart condition that was well documented. He explained that there should be no reason to cut his body to satisfy a local ordinance. The doctor convinced the brother's family physician to sign the death certificate showing the cause of death as a heart attack. The family physician did so without evidence of such a heart attack. The family physician had not even seen the deceased within six months of his death. The family physician clearly violated the law. He thought the death certificate would help the family who appeared adamantly against the invasive procedures of an autopsy. The widow was not an intelligent woman. She had limited education in her country of birth, Hungary. She could barely read or write the English language and spoke it with a thick accent. She relied totally on her brother-in-law. He handled the disposition of her husband's estate. She signed whatever papers he put before her. One paper he put in front of her was a claim form making claim on the life insurance policy. The claim form did not use the sister-in-law's address but, rather, a P.O. box held in secret by the doctor. The insurance company, presented with an appropriate claim form signed by the widow and what appeared to be a proper death certificate, immediately issued its check for $100,000 plus interest, made payable to the widow, the sole beneficiary named in the policy. The doctor received the check. He signed the widow's name to it and deposited the money in his account. He used the money to pay the debts of the board and care facility and to buy a new home for himself on five acres of desert property outside Carson City. She met a blackjack dealer at a casino and married him so she would have some means of support. The doctor lived in luxury for a year off the proceeds and then began planning his next insurance fraud. He has no other brothers to kill, so he decided to obtain life insurance on the residents of the board and care facility none of whom had a long life expediency. (c) 2023 Barry Zalma & ClaimSchool, Inc. --- Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support

ZIFL - 6-15-2023 - Volume 27, Issue 12 The Source For Insurance Fraud Professionals This, the Twelfth issue of the 27th year of publication Zalma's Insurance Fraud Letter provides multiple articles on how to deal with insurance fraud in the United States. The issue begins with: Restitution Order Can't Be Discharged in Bankruptcy After Frayba Tipton and William Tipton pled guilty to committing insurance fraud, they were ordered to pay victim restitution to Nationwide Insurance Company of America (Nationwide). The trial court granted Nationwide's petition and entered civil judgments against the defendants. In Nationwide Insurance Company Of America v. Frayba Tipton et al., C095606, California Court of Appeals. See the full issue at http://zalma.com/blog/wp-content/uploads/2023/06/ZIFL-06-15-2023.pdf More McClenny Moseley & Associates Issues This is ZIFL's 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 indicate may be criminal conduct. See the full issue at http://zalma.com/blog/wp-content/uploads/2023/06/ZIFL-06-15-2023.pdf Another Insurer Bites the Dust Friday Health Plans of Nevada faces the Nevada District Court to place it under regulatory supervision. See the full issue at http://zalma.com/blog/wp-content/uploads/2023/06/ZIFL-06-15-2023.pdf Bad News from The Public A new survey shows it's, like, totally cool to exaggerate damages on an insurance claim or, like, totally awesome to say you hurt yourself at work when you didn't. See the full issue at http://zalma.com/blog/wp-content/uploads/2023/06/ZIFL-06-15-2023.pdf Health Insurance Fraud Convictions Fifteen Year Sentence in $134 Million COVID-19 Health Care Fraud and Money Laundering Scheme Billy Joe Taylor, age 44, pleaded guilty to conspiracy to commit health care fraud and money laundering on October 27, 2022. According to court documents, Taylor and his co-conspirators submitted more than $134 million in false and fraudulent claims to Medicare in connection with diagnostic laboratory testing, including urine drug testing and tests for respiratory illnesses during the COVID-19 pandemic. See the full issue and dozens more convictions at http://zalma.com/blog/wp-content/uploads/2023/06/ZIFL-06-15-2023.pdf Florida Judge Slams SFR Contractor for Misrepresentation, Fraud in Tower Hill Case SFR Services, a Florida restoration firm made famous by its volume of claims litigation and its charges that United Property & Casualty Insurance Co. had instructed desk adjusters to alter their estimates, now finds itself in some legal trouble of its own. See the full issue at http://zalma.com/blog/wp-content/uploads/2023/06/ZIFL-06-15-2023.pdf Other Insurance Fraud Convictions Man Sentenced to Prison for Staged Arson and Insurance Fraud Denis Vladmirovich Molla falsely reported that his camper had been intentionally set on fire the 30-year-old Minnesota resident has been handed a 30-month prison sentence, followed by one year of supervised release, for filing fraudulent insurance claims related to a staged arson incident. See the full issue and more convictions at http://zalma.com/blog/wp-content/uploads/2023/06/ZIFL-06-15-2023.pdf The Baseball Card Scam This is a Fictionalized True Crime Story of Insurance Fraud from my experience as an Insurance Fraud Expert and is provided to explain why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The story is true, only the names and places were changed to protect the guilty. Qui Tam and Insurance Fraud The qui tam portion of the California Insurance Frauds Prevention Act, like that in many other states, has a qui tam provision. (c) 2023 Barry Zalma & ClaimSchool, Inc. --- Support this podcast: https://podcasters.spotify.com/pod/show/barry-zalma/support

Gary Pinkerton - Heads I Win, Tails You Lose Gary Pinkerton is a Navy veteran, Wealth Strategist, and Retirement Income Certified Professional (RICP) who is an avid real estate investor and business owner who has always been passionate about personal financial management. Gary grew up on a dairy farm in Illinois, where he learned the importance of hard work, high standards, and integrity, before embarking on a 25-year career in the US Navy's Nuclear Submarine program. Now living on the Florida gulf coast with his wife, Sue, and two sons, Jake and Ryan, Gary improves people's lives by teaching The Perpetual Wealth Strategy, originally learning about it when he became a client of Paradigm Life back in 2011 If your financial interests are in real estate & small business, or you simply want to learn from the best, schedule a free consultation with Gary today. You can learn more about Gary by visiting his website or listening to his exclusive podcast Gary's Gulch. HIGHLIGHTS IN THIS EPISODE: 00:00 - Intro 01:55 - Gary's Background 06:30 - Favorite Success Story 07:12 - How Wealth Is Built and Protected 10:03 - Teaching Future Generations 14:00 - Definition of Success 17:47 - Lessons Learned 18:35 - Mindset 21:19 - Key to Success 26:23 - Taking Action 28:33 - Gary Recommends 33:40 - Connect with Gary CONNECT WITH OUR GUEST: https://garypinkerton.com/ MENTIONED IN THE SHOW: Atlas Shrugged by Ayn Rand Heads I Win, Tails You Lose by Patrick H. Donohoe https://truthconcepts.com/ Gary's Gulch Podcast everyreitool.com CONNECT WITH OUR HOST: Nathan Murithhttp://nathanmurith.com --------------------------------------------------------------------------------------------------------------------------- Follow us on social media @the.gentle.art.of.crushing.it Listen, like, subscribe, comment: http://thegentleartofcrushingit.com/

Rebecca, Liz, and Alison discuss the state of state/church separation with Professor Caroline Corbin, constitutional law professor at the University of Miami. They review the history of Establishment Clause jurisprudence, remind listeners about what the Supreme Court did to the religion clauses in 2022, and discuss where we stand now in regards to rights under the First Amendment. TLDR: If you're a Christian, rest assured it's a “Heads I Win, Tails You Lose” court.   Background Professor Caroline Corbin's bio  The Remains of the Establishment Clause (Lupu & Tuttle, updated 2023) James Madison's Memorial and Remonstrance against Religious Assessments Previous We Dissent episodes on Carson v. Makin The Sleeper Case: Carson v. Makin Bonus Episode! Carson v. Makin Update American Atheists Kennedy v. Bremerton amicus brief   Cases Firewalker-Fields v. Lee (2023) Town of Greece v. Galloway (2014) Sambrano v. United Airlines (2022) County of Allegheny v. American Civil Liberties Union (1989) The American Legion v. American Humanist Association (2019) Stone v. Graham (1980)   Check us out on Facebook and Twitter. Our website, we-dissent.org, has more information as well as episode transcripts.

America Out Loud PULSE with Dr. Vaughn & Dr. Tankersley – A couple's infant needed urgent heart surgery, so they sought to ensure that the child received only pure (unvaccinated) blood. They lost the fight to remain the child's guardian for this. The judge awarded the cardiologist the temporary guardian of the child's health. Not only is your body not your own, your children are not either...

America Out Loud PULSE with Dr. Vaughn & Dr. Tankersley – A couple's infant needed urgent heart surgery, so they sought to ensure that the child received only pure (unvaccinated) blood. They lost the fight to remain the child's guardian for this. The judge awarded the cardiologist the temporary guardian of the child's health. Not only is your body not your own, your children are not either...

This week, Tucker Carlson sent all announced and prospective 2024 GOP presidential candidates a questionnaire on their views on the war in Ukraine. Emile, Helen, Micah and Sohrab discuss the surprisingly restrained answers offered by the candidates--and the meltdown over Ron DeSantis's refusal to toe the hawkish line on Ukraine. Plus, the San Francisco Board of Supervisors expresses unanimous support for paying reparations to the city's black residents, and the failure of Silicon Valley Bank triggers financial unease.   Join TAC for a special dinner discussion in Indianapolis on 4/1!   Picks of the week:   Emile: Heads I Win, Tails You Lose, Bradley Devlin Helen: India's Majoritarian Turn, Sumantra Maitra Micah: A Litany of Pride, Doug Bandow Sohrab: 'The World That We Will Live and Die In', Micah Meadowcroft  

Last week was our 400th episode of GHS and we celebrate that big milestone on today's show. The Kansas City Chiefs defeated the Philadelphia Eagles in Super Bowl 57, but the result left many people upset at the officiating toward the end that overshadowed the previous four hours. I dive into the three constant criticism camps that most fans or media seem to always pitch their tent under. I also bring up a pattern I'm seeing in life where no matter what you say or do, your side of the coin is never allowed to come up. In other randomness, I share a couple weird Uber stories, rant about men vs women inviting company over, and wish a great friend a very happy birthday. --- Send in a voice message: https://anchor.fm/15mph/message Support this podcast: https://anchor.fm/15mph/support

Growing up on a dairy farm in Illinois, Gary would see bankers show up and talk to his dad every day. It was the 80s and inflation was killing people's livelihoods. The bankers had a 21% interest rate on his family farm and they simply couldn't keep up. This is the story of how Gary's life unfolds from spending his childhood in poverty to having abundant wealth and agency as an adult. Today Gary Pinkerton is a wealth strategist and US Navy veteran with 26 years of service under his belt. Get to know his unapologetic attitude towards embracing adversity, Gary won't tell you to go easy on yourself. “There's no business, no rare car in the garage or anything, even relationships that are going to protect you and your future. The only thing that can protect you in your future is yourself and your mindset and your ability to go out and raise uh, capital or to add value to others that they will compensate you for.” (28:01) Adversities Gary Pinkerton had to overcome:- Poverty and living in a trailer after his farm was foreclosed on as a child- Father passed away when he was a freshman at the Naval Academy- Ethical challenge Gary faced in the Navy Abundance Gary Pinkerton created:- 26 years of service in the Navy- Earning respect after taking ownership during an ethical dilemma- Became a wealth strategist Lessons from Gary Pinkerton's adversities:- “Good times create weak people”- Don't rob your children from the lessons of adversity- Systems are how you sustain your agency Tune in as Gary Pinkerton and Jamie talk about:(00:00) From poverty to infinite banking(08:03) Bankers duping farmers(11:36) Living in a trailer as a child(17:55) Attending the Naval Academy(20:26) His father's passing and an ethical dilemma during service(26:17) Why he would not protect his kids(31:09) Rapid-fire questions(34:51) How to create the story that makes you abundant(37:48) His infinite banking business(41:02) Getting kids interested in personal finance(43:30) Systems = secret to success? LinksBIFI Loan Servicing Books and ResourcesThe Obstacle is The Way by Ryan HolidayAtlas Shrugged by Ayn RandBreaking The Habit of Being Yourself: How to Lose Your Mind and Create a New One by Dr. Joe DispenzaBecoming Your Own Banker by Nelson NashHeads I Win, Tails You Lose by Patrick H. DonohoePerpetual Wealth by Kim D. H. Butler and Kate PhillipsEntrusted by Andrew L. Howell and David R. York Connect with Gary Pinkerton:WEBSITE: https://garypinkerton.com/EMAIL: gary@garypinkerton.comGARY'S GULCH PODCAST: https://garywpinkerton.libsyn.com/ Follow Labrador Lending:WEBSITE: https://labradorlending.com/LINKEDIN: https://www.linkedin.com/company/71512077/FACEBOOK: https://www.facebook.com/labradorlendingINSTAGRAM: https://www.instagram.com/labradorlendingllc/YOUTUBE: https://www.youtube.com/channel/UChYrpCUlqFYLy4HngRrmU9Q Connect with Jamie:LINKEDIN: https://www.linkedin.com/in/jamie-bateman-5359a811/TWITTER: https://twitter.com/batemanjamesINSTAGRAM: https://www.instagram.com/batemanjames11/ Investment OpportunityAre you an accredited investor interested in monthly cash flow from an investment backed by physical real estate? Our income fund--which is uncorrelated to publicly traded stocks and bonds--invests in first-lien mortgage notes diversified by geography, property value and borrower type. The fund aims to pay its investors monthly distributions at a preferred rate of return of 8% annually. And possibly the best part? The fund showcases a short, 12-month commitment. Check it out today! https://investors.appfolioim.com/labradorlending/investor/public_opportunities/5

Are you looking for a way to optimize your finances? Break down the complexity of the Infinite Banking Concept and create your own tax-advantaged, recession-resistant business strategy in today's episode with Madhavi Jain. Stay tuned and gain new perspectives on creating passive income!WHAT TO LISTEN FORThe value of sharing your successes and failures with othersInfinite Banking Concept: What it is and how it worksImportance of continuous learning in businessAdvantages of applying the Infinite Banking Concept in real estateWhy you should put your money in life insurance instead of bank savingsRESOURCES/LINKS MENTIONEDIf you want to learn more about the Infinite Banking Concept, go to https://bit.ly/thinkwinwin and get a free copy of Heads I Win, Tails You Lose by Patrick H. Donohoe.ABOUT MADHAVI JAINMadhavi is the president of Think Outside the Stocks and has over 16 years of experience in the IT industry, mostly with one of the top 5 consulting firms. Her excellent analytical skills, mathematics background, project management experience, and out-of-the-box thinking lays a solid foundation for evaluating and reviewing investment opportunities based on tangible parameters. She encourages sharing of investment knowledge within the community, so we don't end up making the same mistakes and take advantage of each other's rich experiences. She wants to make a difference by bringing solid investment education to women and encouraging them to take a leap into the investment journey for their financial independence. She believes in living a life of choices to focus on true passion and purpose, not based on reasons of financial responsibilities.CONNECT WITH MADHAVIWebsite: Think Outside The Stocks https://thinkoutsidethestocks.com/LinkedIn: Madhavi Jain  https://www.linkedin.com/in/madhavijCONNECT WITH USWebsite: https://www.selfstorageinvesting.com/Facebook: https://www.facebook.com/selfstorageinvestingTwitter: https://twitter.com/SelfStorageGuyLinkedIn: https://www.linkedin.com/in/scottameyers/Youtube: https://www.youtube.com/user/SelfStorageInvestingInstagram: https://www.instagram.com/self_storage_investing/Subscribe so you never miss a NEW episode! Leave us an honest rating and review on Apple Podcast.

The trial for Maria's murder captivated and divided a community while the public opinion was split as to one question: Is Offord an outstanding young man or a criminal mastermind? 

Difficulty or success in life are decided, in large part, by how you build your wealth.In today's episode, Dave and Paul take a look at the book “Heads I Win, Tails You Lose” and the “Hierarchy of Wealth” concept it outlines. This opens a much broader discussion on where most people traditionally “park” their money as well as how they look at risk. The guys also tackle each tier of the “Wealth Pyramid”, weigh in on a listener's question on 401ks and more!Episode Highlights(0:00) - Introduction(0:37) - Beginning of episode(3:45) - Listener question on 401ks(9:40) - Some context around “The Hierarchy of Wealth/Wealth Pyramid”(10:45) - “Tier 1” of the pyramid(13:06) - “Tier 2” of the pyramid(15:14) - “Tier 3” of the pyramid(18:55) - “Tier 4” of the pyramid(24:26) - Being conservative vs. being “in the mainstream”(29:43) - Paying more, paying more often(31:25) - Episode wrap-up"Why Dave quit his 401(k)": https://www.linkedin.com/pulse/why-i-quit-my-401k-david-a-befort-jr-/Is IBC for you? Use this link to schedule and intro call with us: https://calendly.com/dave-743/wealth-warehouse-intro-callABOUT YOUR HOSTS:David Befort and Paul Fugere are the hosts of the Wealth Warehouse Podcast. David is the Founder/CEO of Max Performance Financial. He founded the company with the mission of educating people on the truths about money. David's mission is to show you how you can control your own money, earn guarantees, grow it tax-free, and maintain penalty-free access to it to leverage for opportunities that will provide passive income for the rest of your life. Paul, on the other hand, is an Active Duty U.S. Army officer who graduated from Norwich University in 2002 with a B.A. in History and again in 2012 with a MA in Diplomacy and International Terrorism. Paul met his wife Tammy at Norwich. As a family, they enjoy boating, traveling, sports, hunting, automobiles, and are self-proclaimed food people. Catch up with David and Paul, visit the links below! Website: https://infinitebanking.org/agents/Fugere494 https://infinitebanking.org/agents/Befort399 LinkedIn: https://www.linkedin.com/in/david-a-befort-jr-09663972/ https://www.linkedin.com/in/paul-fugere-762021b0/ Email: davidandpaul@theibcguys.com

Watch on YouTube with all visuals and drawings here: https://youtu.be/X7sGDTJCMhA Relationships with narcissists feel like we're playing heads or tails: heads they win, tails you lose. Sounds fun? We can use logic and statistics to unravel their toxic games, let me show you how. There's one good place to argue with them. And that is inside your head. We can test their statements with a simple sentence: if this is true, what else must be true. Narcissists accuse us to things, such as having an unhealthy obsession with sleep. How do we deal with that? By taking it seriously. Let me show you how. And in any relationship, who is the judge?

For today's episode, I go through my philosophy on why successful business owners and investors focus on their own skills and directly controlled ventures, not the markets and gambling. Highlights Taking something out of nothing: What inspired Gary for today's episode The pivotal concept of the book Heads I Win, Tails You Lose and how you can start following the same practice How the Hierarchy of Wealth works The benefits of leveraging your assets The million-dollar question: Do you really need to get insurance? Links and Resources from this Episode Heads I Win, Tails You Lose Connect with Gary Pinkerton https://www.paradigmlife.net/ gpinkerton@paradigmlife.net https://garypinkerton.com/ 

Will opens the show with a hilarious parody PSA mimicking the White House Press Secretary, which leads to a discussion about Team Biden's spin on gas prices. Also covered is Biden having COVID, a bipartisan effort at election reform, and the Left's spin on the civilian whose gun saved lives in Indiana.

https://gript.ie/pro-life-rally-slams-censorship-as-council-refuses-posters-advertising-event-attack-on-democracy/https://gript.ie/county-council-reverses-ban-on-pro-life-posters/https://gript.ie/iccl-incorrectly-claimed-they-cannot-legally-accept-donation-of-e100-or-more/https://www.independent.ie/irish-news/most-oppose-trans-women-competing-in-female-sport-41809229.html

It's been a trying week for the ICCL; new polling shows Irish people's views on transgender people are largely incoherent; and Gary gets some posters put up.   https://gript.ie/pro-life-rally-slams-censorship-as-council-refuses-posters-advertising-event-attack-on-democracy/ https://gript.ie/county-council-reverses-ban-on-pro-life-posters/ https://gript.ie/iccl-incorrectly-claimed-they-cannot-legally-accept-donation-of-e100-or-more/ https://www.independent.ie/irish-news/most-oppose-trans-women-competing-in-female-sport-41809229.html

Just want you always needed but never knew you wanted, it's another top shelf episode of your favorite all Arkansas focused podcast. Don't let me waste your time. Here's a little peek at what your ear are getting. - $JGM - UPDATES   + fraud doc: guilty all the way   + Q-Squad member might do time   + classroom crasher   + Riceland shooter - another rice death - protesting at the Capitol - how they voted - double-dipping Trent Garner - Waltons buy a team - News From 100 Years Ago - murders are down - I-30 meltdown - pastor tries improv - MD gets handsy - (former) Conway cops gets more handsy - another Clinton connection down the sewer slide - freedom vs lead bean bags - COVID payday (sort of) - wrong grave (whoops) ...and a little more is packed into this episode that I'm positive you're going to love. $JGM mail@notforprophets.net Web: notforprophets.net Instagram Twitter YouTube Spotify SpaceHey $JGM Thanks for hopping on the ride with me and I hope you dig it. Tap the SUBSCRIBE button to make sure you never miss a new weekly episode, or any of the bonus episodes that come out by surprise. If you're liking what's happing here, tell someone. Better yet, just grab their phone and subscribe for them. Do them the favor, okay? Interested in sponsoring the podcast, or want to reach out? Go for it.

As always we start with the Question of the day, Would you take a guaranteed 1 Million Dollars OR flip a coin for 1 Billion? Which leads Pat and Sean into a discussion about the lottery and the business aspect of it. Baseball's slap heard around the world stirs the conversation of sports rules in the game and betting. Then the Red Sox / Yankees are up for conversation along with their end of the month WORLD SERIES PICKS. People are leaving the PGA, Elon Musk's twitter is acting up, and we have the results of the twitter poll.

The Case of the Art Flambé https://zalma.com/blog Barry Zalma, Esq., CFE presents podcasts and videos so you can learn how insurance fraud is perpetrated and what is necessary to deter or defeat insurance fraud. This Video Blog of True Crime Stories of Insurance Fraud with the names and places changed to protect the guilty are all based upon investigations conducted by me and fictionalized to create a learning environment for claims personnel, SIU investigators, insurers, police, and lawyers better understand insurance fraud and weapons that can be used to deter or defeat a fraudulent insurance claim. Today's video explains why a person was driven to try an arson for profit and how the insurer tried to defeat the crime. When a person decides to perpetrate an insurance fraud, he pushes the pause button on his morality. His plan to commit the fraud will then become so flamboyant and creative that even the most innocent of claims adjusters will detect the crime. Such was the case of a Belgian immigrant. He came to the United States shortly after World War II. He eked out a living with various jobs as a low paid engineering draftsman. Before he decided to change his career and try arson for profit, he had led a dull, but exemplary, life. He, at the age of sixty, married his second wife. Later they had a child. When the child was three, he contracted phlebitis and underwent several surgeries. He was unable to keep up with his work and, in any event, the aerospace industry had just lost several major contracts. He lost his job. True Crime Stories Barry Zalma presents fictionalized True Crime Stories of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The stories help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime. If the fraud succeeds the insurer must charge more premium to cover the expense of defending the fraud and payment of funds to the fraud perpetrator. If the fraud fails the insurer must charge more premium to cover the expense of defending the fraud. Everyone, except the lawyers, lose. As you watch the videos I hope they help you understand the effect that insurance fraud has on the perpetrators, the insurers, the people who need insurance, the people who buy insurance, and the people who keep the promises made by insurance policies.Over the last 54 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. © 2022 – Barry Zalma --- Support this podcast: https://anchor.fm/barry-zalma/support

The Burned Up Russian Videos so you can learn how insurance fraud is perpetrated and what is necessary to deter or defeat insurance fraud. This Video Blog of True Crime Stories of Insurance Fraud with the names and places changed to protect the guilty are all based upon investigations conducted by me and fictionalized to create a learning environment for claims personnel, SIU investigators, insurers, police, and lawyers better understand insurance fraud and weapons that can be used to deter or defeat a fraudulent insurance claim. Since arriving in the United States, the Russian had done well financially. He owned a million-dollar piece of real estate and three gas stations. He was in the jewelry business, wholesaling jewelry he would get on consignment from immigrants who arrived in the U.S. after he was settled. He was, however, cash poor. What he needed was quick cash. He decided to burn his house down. To profit from his action he increased his homeowners insurance coverage three fold. He found unscrupulous “art appraisers” who would sign appraisals in blank or which he prepared for them. He, without the knowledge of his insurers, personally appraised all of his household goods as if they were great works of art. He intended to, and did, claim they all came from the then Soviet Union as “household goods.” arry Zalma presents fictionalized True Crime Stories of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The stories help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime. If the fraud succeeds the insurer must charge more premium to cover the expense of defending the fraud and payment of funds to the fraud perpetrator. If the fraud fails the insurer must charge more premium to cover the expense of defending the fraud. Everyone, except the lawyers, lose. As you watch the videos I hope they help you understand the effect that insurance fraud has on the perpetrators, the insurers, the people who need insurance, the people who buy insurance, and the people who keep the promises made by insurance policies.Over the last 54 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. © 2022 – Barry Zalma Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He practiced law in California for more than 44 years as an insurance coverage and claims handling lawyer and more than 54 years in the insurance business. Subscribe to “Zalma on Insurance” at https://zalmaoninsurance.locals.com/subscribe and “Excellence in Claims Handling” at https://barryzalma.substack.com/welcome. You can contact Mr. Zalma at https://www.zalma.com, https://www.claimschool.com, zalma@claimschool.com and zalma@zalma.com . Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE Legend Award. You may find interesting the podcast “Zalma On Insurance” at https://anchor.fm/barry-zalma; you can follow Mr. Zalma on Twitter at; you should see Barry Zalma's videos on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; or videos on https://rumble.com/zalma. Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims–library/ The last two issues of ZIFL are available at https://zalma.com/zalmas-insurance-fraud-letter-2/ --- Support this podcast: https://anchor.fm/barry-zalma/support

Uninsured Motorist https://zalma.com/blog Barry Zalma, Esq., CFE presents videos so you can learn how insurance fraud is perpetrated and what is necessary to deter or defeat insurance fraud. This Video Blog of True Crime Stories of Insurance Fraud with the names and places changed to protect the guilty are all based upon investigations conducted by me and fictionalized to create a learning environment for claims personnel, SIU investigators, insurers, police, and lawyers better understand insurance fraud and weapons that can be used to deter or defeat a fraudulent insurance claim. ' Occasionally, without fanfare, someone stands up and refuses to honor an obvious fraud. Such an event, by its rarity, deserves public recognition. In October 1989 Joe Chevrolet, a negligent, uninsured motorist struck the rear end of a vehicle driven by Marcia Toyota. Ms. Toyota was insured with Good Hands Insurance Company. Marcia claimed severe physical and emotional injuries as a result of the accident. Through her attorney, Mel Shyster, she presented the reports of Louise Quack, a doctor of Chiropractic. Good Hands and Toyota did not agree on the amount of loss she had incurred. Both sides presented evidence to arbitrator Honest Abe Lawyer. At the arbitration Dr. Quack testified explaining the severe injuries she claimed she had detected in Toyota. Dr. Quack spoke at length about the many modalities of treatment she provided to Toyota to make her well. Good Hands produced George Wellness, M.D. who testified that Toyota suffered “no injury.” Good Hands also brought to the Arbitration Clever Expert, Ph.D. who stated an opinion that the collision was “de minimis” and caused no actual damage to Toyota's vehicle. Good Hands presented its evidence to the arbitrator with trepidation. It knew that arbitrators often attempt to reach Solomon-like decisions. They often render awards that split the difference between the demand and the offer. Barry Zalma presents fictionalized True Crime Stories of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The stories help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime. If the fraud succeeds the insurer must charge more premium to cover the expense of defending the fraud and payment of funds to the fraud perpetrator. If the fraud fails the insurer must charge more premium to cover the expense of defending the fraud. Everyone, except the lawyers, lose. As you listen to the podcasts I hope they help you understand the effect that insurance fraud has on the perpetrators, the insurers, the people who need insurance, the people who buy insurance, and the people who keep the promises made by insurance policies.Over the last 54 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. © 2022 – Barry Zalma --- Support this podcast: https://anchor.fm/barry-zalma/support

The Largest Residential Burglary of All Time https://zalma.com/blog Within seven days of the delivery of his policy, a “burglary” was reported. A total of $7,000,000.00 of specifically identified and scheduled personal property was reported stolen. He claimed an additional $2,000,000 in unscheduled diamonds were stolen from their hiding place in one of his 50 suit coats hanging in the closet. Faced with a $7 million fraudulent claim an insurer conducted a thorough investigation only to fold when sued for bad faith. Once an insurer gets a reputation for paying for fraudulent claims rather than fighting with all of its assets those who perpetrate fraudulent claims will gather like vultures over a rotting carcass ready to pick the bones clean. The reverse is also true: when an insurer makes it clear it will never pay a fraudulent claim, regardless of cost, those who earn their living by fraud will stay away. Barry Zalma presents fictionalized True Crime Stories of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The stories help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime. If the fraud succeeds the insurer must charge more premium to cover the expense of defending the fraud and payment of funds to the fraud perpetrator. If the fraud fails the insurer must charge more premium to cover the expense of defending the fraud. Everyone, except the lawyers, lose. As you watch the videos I hope they help you understand the effect that insurance fraud has on the perpetrators, the insurers, the people who need insurance, the people who buy insurance, and the people who keep the promises made by insurance policies.Over the last 54 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. © 2022 – Barry Zalma Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He practiced law in California for more than 44 years as an insurance coverage and claims handling lawyer and more than 54 years in the insurance business. Subscribe to "Zalma on Insurance" at https://zalmaoninsurance.locals.com/subscribe and "Excellence in Claims Handling" at https://barryzalma.substack.com/welcome. You can contact Mr. Zalma at https://www.zalma.com, https://www.claimschool.com, zalma@claimschool.com and zalma@zalma.com . Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE Legend Award. You may find interesting the podcast "Zalma On Insurance" at https://anchor.fm/barry-zalma; you can follow Mr. Zalma on Twitter at; you should see Barry Zalma's videos on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; or videos on https://rumble.com/zalma. Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ The last two issues of ZIFL are available at https://zalma.com/zalmas-insurance-fraud-letter-2/ --- Support this podcast: https://anchor.fm/barry-zalma/support

A True Crime Video on How Not to Commit Arson Barry Zalma presents fictionalized True Crime Stories of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The stories help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime. If the fraud succeeds the insurer must charge more premium to cover the expense of defending the fraud and payment of funds to the fraud perpetrator. If the fraud fails the insurer must charge more premium to cover the expense of defending the fraud. Everyone, except the lawyers, lose. As you watch the videos I hope they help you understand the effect that insurance fraud has on the perpetrators, the insurers, the people who need insurance, the people who buy insurance, and the people who keep the promises made by insurance policies.Over the last 54 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. © 2022 – Barry Zalma Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He also serves as an arbitrator or media tor for insurance related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims handling lawyer and more than 54 years in the insurance business. Subscribe to "Zalma on Insurance" at https://zalmaoninsurance.locals.com/subscribe and "Excellence in Claims Handling" at https://barryzalma.substack.com/welcome. --- Support this podcast: https://anchor.fm/barry-zalma/support

Fictionalized True Crime Stories of Insurance Fraud from an Expert https://zalma.com/blog Barry Zalma presents fictionalized True Crime Stories of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The stories help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime. This book started as a collection of columns I wrote and published in the magazines “Insurance Journal,” “Insurance Week,” and “The John Cooke Insurance Fraud Report” insurance trade publications serving the insurance community in the United States. Since the last edition I have added more stories that were published in my twice monthly newsletter, Zalma's Insurance Fraud Letter which is available free to anyone who clicks the links. The original title was “Heads I Win, Tails You Lose” and was meant to describe insurance fraud as it works in the Unites States. It means that whenever a person succeeds in perpetrating an insurance fraud everyone who buys insurance is the loser. If the fraud succeeds the insurer must charge more premium to cover the expense of defending the fraud and payment of funds to the fraud perpetrator. If the fraud fails the insurer must charge more premium to cover the expense of defending the fraud. Everyone, except the lawyers, lose.As you read the stories I hope they help you understand the effect that insurance fraud has on the perpetrators, the insurers, the people who need insurance, the people who buy insurance, and the people who keep the promises made by insurance policies.Over the last 54 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. © 2022 – Barry Zalma Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He also serves as an arbitrator or media tor for insurance related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims handling lawyer and more than 54 years in the insurance business. Subscribe to "Zalma on Insurance" at https://zalmaoninsurance.locals.com/subscribe and "Excellence in Claims Handling" at https://barryzalma.substack.com/welcome. You can contact Mr. Zalma at https://www.zalma.com, https://www.claimschool.com, zalma@claimschool.com and zalma@zalma.com . Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE Legend Award. You may find interesting the podcast "Zalma On Insurance" at https://anchor.fm/barry-zalma; you can follow Mr. Zalma on Twitter at; you should see Barry Zalma's videos on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; or videos on https://rumble.com/zalma. Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ The last two issues of ZIFL are available at https://zalma.com/zalmas-insurance-fraud-letter-2/ --- Support this podcast: https://anchor.fm/barry-zalma/support

His students gathered in the hall to hear the great Fayan give a talk before the midday meal. He pointed to the bamboo blinds, and two students went and rolled them up in the same way. Fayan said, “One wins, one loses.”Wumen's Verse:With the blinds rolled up, the vast sky is bright and clear,but even the vast sky doesn't match our Way.Why don't you throw away that sky completely?Then not a breath of wind will come through.The Gateless Gateway, Case 26Support the show (https://www.paypal.me/apalmr)

Doesn't it feel good to own several real estate properties? Imagine owning several passive income streams which you can take advantage of once you go on retirement. But are there downsides to investing in real estate? For today's special holiday episode, Gary talks about the proven steps of building a business. He shares about the things he's thankful for this holiday. He also points out how inflation affects the housing market and what will happen when we start to increase the interest rates and the possible ways to fix it. Highlights Gary's goal: Attracting like-minded people who are trying to make a difference. - 0:57 Believing that there are things out there that are bringing the whole idea of thinking to grow rich. - 2:09 What are the things you're thankful for this holiday? - 5:59 What happens when a new crew member comes to the submarine? - 10:47 The steps of building a business. - 12:06 The short-term goals. - 16:39 Why do they talk about the number of cases instead of the number of deaths? - 18:03 The reason Gary is talking about the topic. - 20:16 How inflation affects the housing market. - 22:54 What happens when we start to increase the interest rates? - 27:56 How to fix it? - 31:13 Links and Resources from this Episode Connect with Gary Pinkerton https://www.paradigmlife.net/ gpinkerton@paradigmlife.net https://garypinkerton.com/  Heads I Win, Tails You Lose book: https://headsortailsiwin.com/ref-fb/?rn=Gary%20Pinkerton&rf=0050P000007Kuzm 

(Recorded November 26, 2021) This Week: (1) Charlottesville Civil Suit; and (2) the news round-up.

(Recorded November 26, 2021) This Week: (1) Charlottesville Civil Suit; and (2) the news round-up.

With great money comes great taxes. But is it possible not to pay that much tax, even after a hefty payday? Gary, together with his mastermind group and Kyle Wilson's Inner Circle, discuss the resilient personal finances and Infinite Banking in a Masterclass. He touches several financial terms such as agency in a social setting, the hierarchy of wealth, insurances, and infinite banking. Gary also responds to different questions surrounding insurances and taxes. Highlights What is an agency in a social setting? - 5:20 The reason why they lost their farm. - 6:39 His goal in life. - 8:09 The book Heads I Win, Tails You Lose. - 10:31 What is the hierarchy of wealth? - 11:02 How to start saving taxes. - 14:19 What is infinite banking? - 18:56 The two types of insurance in America. - 21:53 How quickly can you access your funds in a whole life policy? - 24:36 Three ways to access your money. - 28:26 Is it easier to remake a Roth IRA tax status than life insurance? - 33:03 Usual insurance companies that Gary uses. - 36:15 For people who want to do it on a monthly basis or lower payments, how does it work? 36:56 Is there an option for couples or is it always for individuals? - 39:01 Links and Resources from this Episode Connect with Gary Pinkerton https://www.paradigmlife.net/ gpinkerton@paradigmlife.net https://garypinkerton.com/  Connect with Kyle Wilson https://kylewilson.com/ 

The left seeks to control the language and what is and is not acceptable viewpoints. By controlling the language and the flow of information they can avoid debate and having to defend their action. They simply dismiss that because of the identity group they belong to, it not possible for their action to be considered violent, racist, sexist or any of the words they use to demonize conservatives. --- Send in a voice message: https://anchor.fm/thejacobjohnstonshow/message

Chief and Matty Weber kickoff the show talking Chicago population evolution and Cubs' shortcomings John Flannigan continues the Chicago history conversation. Mike Hart, veteran trader with Tastytrade and contributor to Luckbox Magazine, closes the show talking capital gains taxation and market-timing strategies. Don't forget, Stocks & Jocks listeners receive a FREE digital subscription at luckboxmagazine.com/jocks. Sign up today!

Gary discusses what having Perpetual Wealth means and how he pursues it in his own life and with his clients using the Hierarchy of Wealth and Perpetual Wealth System. Highlights Focus on your true passion - 3:25 What’s perpetual wealth for Gary? - 7:14 The Hierarchy of Wealth - 7:48 Being open to higher risk - 9:16 About risk - 10:02 The likelihood of loss - 11:11 The actual risk of loss - 12:22 Your self-controlled assets - 15:04 Indirect investing - 17:23 Having greater control of your life - 22:19 Links and Resources from this Episode Connect with Gary Pinkerton https://www.paradigmlife.net/ gpinkerton@paradigmlife.net https://garypinkerton.com/ Hierarchy of Wealth (HoW) Tier 1 - https://www.youtube.com/watch?v=VxxQg4LQwOc&t=1622s Hierarchy of Wealth - Part 2, Direct Investing - https://www.youtube.com/watch?v=G6YMyr5nUJk Hierarchy of Wealth - Part 3, Indirect Investing - https://www.youtube.com/watch?v=B4QsS-DikoU Hierarchy of Wealth - Part 4, Speculative Investing - https://www.youtube.com/watch?v=uK0dc5B3EEI&t=1382s Book: Heads I Win, Tails You Lose - https://headsortailsiwin.com/ref-fb/?rn=Gary%20Pinkerton&rf=0050P000007Kuzm and audio version - https://s3.amazonaws.com/paradigmlife/resources/assets/Heads+I+Win+Tails+You+Lose+Audiobook_mixdown.mp3 

The Flying Carpet, a Fictionalized True Crime Story of Insurance Fraud https://zalma.com/blog From an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The stories help to Understand How, and why, my book Insurance Fraud in America is Costing Everyone was written to explain to those who buy insurance thousands of dollars every year and why insurance fraud is safer and more profitable for the ­­­perpetrators than any other crime. The names of the perpetrators and the locations were changed to protect the guilty. The original title was “Heads I Win, Tails You Lose” and was meant to describe insurance fraud as it works in the Unites States. It means that whenever a person succeeds in perpetrating an insurance fraud everyone who buys insurance is the loser. If the fraud succeeds the insurer must charge more premium to cover the expense of defending the fraud and payment of funds to the fraud perpetrator. If the fraud fails the insurer must charge more premium to cover the expense of defending the fraud. Everyone, except the lawyers, lose. Before the ISO changed the homeowners program to include a special limit of liability for theft of antique rugs, homeowners insurers found themselves faced with reports of the thefts of thousands of antique Persian rugs valued between $10,000 and $20,000 each. Although most of the claims appeared suspicious, the insurers were unable to prove the nonexistence of the rugs and were compelled to pay claims. When the special limit of liability was adopted, the rash of Persian rug thefts stopped. It was as if a ring of burglars suddenly left the country. The fraudulent Persian rug claim industry ceased doing business. Immigrant communities in Los Angeles, New York, Chicago and other major cities found other ways to earn money. © 2021 – Barry Zalma Barry Zalma, Esq., CFE, now limits his practice to service as an insurance consultant specializing in insurance coverage, insurance claims handling, insurance bad faith and insurance fraud almost equally for insurers and policyholders. He also serves as an arbitrator or mediator for insurance related disputes. He practiced law in California for more than 44 years as an insurance coverage and claims handling lawyer and more than 52 years in the insurance business. He is available at http://www.zalma.com and zalma@zalma.com. Mr. Zalma is the first recipient of the first annual Claims Magazine/ACE Legend Award. Over the last 53 years Barry Zalma has dedicated his life to insurance, insurance claims and the need to defeat insurance fraud. He has created the following library of books and other materials to make it possible for insurers and their claims staff to become insurance claims professionals. Go to the podcast Zalma On Insurance at https://anchor.fm/barry-zalma; Follow Mr. Zalma on Twitter at https://twitter.com/bzalma; Go to Barry Zalma videos at Rumble.com at https://rumble.com/c/c-262921; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the Insurance Claims Library – https://zalma.com/blog/insurance-claims-library/ Read posts from Barry Zalma at https://parler.com/profile/Zalma/posts; and the last two issues of ZIFL at https://zalma.com/zalmas-insurance-fraud-letter-2/ --- Support this podcast: https://anchor.fm/barry-zalma/support

The Risk of Arrest for Committing Insurance Fraud is Low and Profits High https://zalma.com/blog The Risk of Arrest for Committing Insurance Fraud is Low and Profits High People who commit insurance fraud as a profession do so because it is easy. It requires no capital investment. The risk is low and the profits are high. The ease with which large amounts of money can be made from insurance fraud removes whatever moral hesitation might stop the perpetrator from committing the crime. The temptation to do everything outside the law was the downfall of the brothers Karamazov. The brothers had escaped prison in the old Soviet Union by immigrating to the United States. In their hometown of Volgagrad they were well-known to the local police. The brothers had conducted a crime wave in the town since they turned ten. They were involved in burglary, armed robbery, smuggling, drug dealing and prostitution. To avoid arrest and a long sentence in a Siberian Gulag, the brothers invented a Jewish mother. They were then eligible to leave as victims of religious persecution. Their application for a Visa to the United States as seekers of religious freedom was accepted immediately. The “Save Soviet Jewry” organization, who knew nothing of their criminal background, financed their trip to the United States. Upon their arrival in the United States they met with acquaintances from the Soviet criminal class who had also escaped to the United States. They learned that the police were quite effective at catching and prosecuting strong armed criminals, but had little concern for perpetrators of fraud. A Fictionalized True Crime Story of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The stories help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ¬¬¬Perpetrators than any Other Crime. --- Support this podcast: https://anchor.fm/barry-zalma/support

A Fictionalized True Crime Story -- "The Hawaiian" https://zalma.com/blog One of many Fictionalized True Crime Stories of Insurance Fraud from an Expert who explains why Insurance Fraud is a “Heads I Win, Tails You Lose” situation for Insurers. The stories help to Understand How Insurance Fraud in America is Costing Everyone who Buys Insurance Thousands of Dollars Every year and Why Insurance Fraud is Safer and More Profitable for the ­­­Perpetrators than any Other Crime. As you read the story and watch the video I hope they help you understand the effect that insurance fraud has on the perpetrators, the insurers, the people who need insurance, the people who buy insurance, and the people who keep the promises made by insurance policies. The Hawaiian The insured was a contractor in Honolulu. He created fraudulent jewelry appraisals and attempted to defraud his insurer. After a thorough investigation the adjuster proved the fraud to the insurer's satisfaction and "wrote a simple brief, letter to the insured stating as follows: 'Your claim is denied because it was presented by you with the knowledge that it was false and fraudulent.'” He said nothing more. The adjuster, as required by law, reported his findings to the local police agency and to the U.S. Postal Inspectors. Both promised to complete a prompt criminal investigation and prosecute the insured for insurance fraud. On the fifth year after the denial, just before the statute of limitations ran, the U.S. Attorney caused the insured to be arrested for insurance fraud, wire and mail fraud. On the testimony of the adjuster and the secretary the insured was convicted. The court sentenced him to five years in jail, suspended on the condition that he actually serve 30 days and that he make restitution of $10,000 in investigation costs to the insurer. Five years have elapsed since his conviction. He is still making a living as a contractor in Hawaii defrauding his customers. He paid when the probation officer caught him what he told the probation officer he could afford. In five years the insured paid, on the restitution order that is a condition of his probation, a total of $250.00. His probation is over. The crime did not succeed. He did not collect $500,000. The insurance company did not succeed. It paid out over $10,000 to its investigators which it will never recover and the ordered restitution was never paid. © 2021 – Barry Zalma Barry Zalma, Esq., CFE --- Support this podcast: https://anchor.fm/barry-zalma/support

The Independent Mouth covers a variety of topics in the latest show. We dig deep into the financial market collapse and how class action and private lawsuits are about the change the industry for good!  Kevin Clinesmith gets away with illegally spying in the Trump campaign. The two-tier justice system has officially plunged the U.S.A into the Banana Republic we knew it would become.  Cuomo was given a red carpet but new information show he and the state lied about how many deaths he is responsible for in the covid-19 crisis. From Red Carpet to jail cell, hopefully.  More discussion about the lack of a job Potato Biden is doing. The effects it will have and how to counter the negative output from this phony administration.  **Breaking - White House blackouts continue! **Breaking - Insurrection was planned, proof provided by the FBI, MSM will not report the truth.  **Breaking - There are multiple countries that have closed their borders. This has never happened in the history of the world. Coincidences? Too many have happened to not believe the chatter. Keep faith, darkness to light!  https://theindependentmouth.podbean.com/ theindependentmouth.com/ www.linkedin.com/in/anthonywilliamsiii/ www.facebook.com/theindependentmouth https://rumble.com/c/c-346315 Purchase your copy of “On Borrowed Time: The Reinvention of a Lost Soul”  https://bit.ly/OnBorrowedTime_Book

The following is a story from my book, Heads I Win, Tails You Lose, a collection of stories from my experience as an insurance coverage lawyer. The book is available from amazon.com as both a paperback and as a Kindle book. Names and places changed to protect the guilty. https://zalma.com/blog THE CREATION OF A LIFE OF CRIME Insurers, if they wish to keep frauds like that described here must stop making the crime easy. Underwriters must understand that insured's do not always treat their insurers with utmost good faith. Risks must be looked at with skepticism. If fraud is to be defeated insurers must make the crime more of a challenge. It is too easy. Honest insureds are tempted to commit fraud because it is too easy. --- Support this podcast: https://anchor.fm/barry-zalma/support

https://zalma.com/blog --- Support this podcast: https://anchor.fm/barry-zalma/support

https://zalma.com/blog --- Support this podcast: https://anchor.fm/barry-zalma/support

Flip the coin! In this episode, Matthew Johnson, discusses Heads I Win Tails You Lose.

Jason Hartman speaks with returning guest and author of the book, “Heads I Win Tails You Lose,” Patrick Donohoe. The conversation touches on topics of an ever changing world culture that continues to reshape how we approach wealth, the freedom to do, and in what we find meaning. Despite some of the chaos and cultural decay, the 2020's are going to bring some excitement to the world. Key Takeaways: [20:40] It's not freedom from having to do something, it's freedom to do something. [22:07] The order of magnitude: an interesting time in history where we are going to see massive change.  [24:00] The rising 3 billion, that aren't online yet: If you think that society has benefited from sharing knowledge, you're right.  [26:38] There will always be winners and losers [28:40] The Ritz Carlton Slogan discussion “Systemize the predictable so you can humanize the exceptional.” [32:27] People are still trying to find meaning in other things.  [33:16] A little bit of struggle is good for the human spirit Websites: www.Jason Hartman.com/Properties www.HeadsOrTailsIWin.com

Jason Hartman has another client case study, this time with 26 year old Jaden Zubal, an associate wealth strategist at Paradigm Life. Jaden started attending events when he was 22 or 23 and recently got into the real estate game by purchasing properties in Jacksonville, FL and Memphis, TN. Jason and Jaden discuss how Jaden decided that new construction was the way for him, what market he likes for his next as he diversifies geographically, and how the 10 Commandments of Real Estate Investing have helped him along the way. Plus, check out the link below and you can get a free audio and digital copy of Heads I Win, Tails You Lose by Pat Donohoe, as well as a complimentary consultation with Jaden. Key Takeaways: [2:45] Good news for Texas property owners [4:42] Housing inventory is even worse than we thought [7:43] The average home listing price in America is $312,000 Jaden Zubal Client Case Study: [10:31] Jaden attended his first Meet the Masters in her early 20s [13:33] Which of Jason's commandments Jaden has found most useful in his investing journey [16:24] The 2 things Jason believes Maslow left out of his hierarchy of needs [18:50] The first 2 tiers of safely growing your money and keeping it protected [23:46] Student loan debt is creating a generation of people feeling pessimistic about their financial future, so what's going to come of them? [26:08] One of the separating elements of Jason's network is the value of the investment counselor [30:12] What changed Jaden's mindset on new properties vs renovated Website: www.ParadigmLife.net/Jaden jzubal@paradigmlife.net www.JasonHartman.com/Properties

Is Wall Street a scam? Who actually benefits from Wall Street? If Wall Street style investing no longer helps build solid financial gains, what does? Is there a way to come out financially ahead regardless of dynamic economic swings and rapid changes in technology? Jordan Goodman talks with Patrick Donahoe, president and CEO of Paradigm Life and PL Wealth Advisors, about his book, Heads I Win, Tails You Lose, about Donahoe's insights and experience into finding new ways to build wealth, and strategies that help achieve financial freedom. Donahoe and Goodman discuss what an infinite banking concept is, perpetual wealth strategy, and what financial freedom really is.

Is Wall Street a scam? Who actually benefits from Wall Street? If Wall Street style investing no longer helps build solid financial gains, what does? Is there a way to come out financially ahead regardless of dynamic economic swings and rapid changes in technology? Jordan Goodman talks with Patrick Donahoe, president and CEO of Paradigm Life and PL Wealth Advisors, about his book, Heads I Win, Tails You Lose, about Donahoe's insights and experience into finding new ways to build wealth, and strategies that help achieve financial freedom. Donahoe and Goodman discuss what an infinite banking concept is, perpetual wealth strategy, and what financial freedom really is.

Jason Hartman talks with Pat Donohoe, author of the new book Heads I Win, Tails You Lose, about the habit of most Americans to delegate their investing, what we should be doing today financially, the use of debt in our country and more. Key Takeaways: [2:09] The average American has delegated most of their life to 3rd parties [5:21] The drive to save money now for the future and retirement is so that you can achieve freedom [8:09] What should we be doing today for ourselves financially? [13:00] Think of your employer like a customer, you want to keep them happy but you also want to maximize your revenue [17:17] The entire country is based in debt [20:00] The true narrative is to be smart with your money, not to get rid of debt [26:28] Start to focus on the now rather than the mirage of the future, and start by taking the wool off your eyes when it comes to the banking system Website: www.HeadsOrTailsIWin.com

Kim and Spencer talk about how we learn and what we are learning in today's world. Also, Kim shares some of her favorite books and the things that she is currently learning about. Tune in with Kim D. H. Butler and Spencer Shaw to find out how to take control of your finances today. Do you have a question you would like answered on the show? Please send it to us at hello@partners4prosperity.com and we may answer it in an upcoming episode.   Links and Resources from this Episode For resources and additional information of this episode go to http://partners4prosperity.com/category/podcast Never Stop Learning by Bradley Staats When by Daniel Pink The Message by Eugene Peterson Science and Health by Mary Baker Eddy Reverse Mortgages by Wade Pfau New York: The Novel by Edward Rutherfurd The Good Good Pig by Sy Montgomery  What Would the Rockefellers Do by Garrett Gunderson Willpower Doesn't Work by Benjamin Hardy The AND Asset by Caleb Guilliams What Matters by Cam Thornton and Rob Zeeb Head I Win, Tails You Lose by Patrick Donohoe Mindset by Carol Dweck   Special Listener Gift Free eBook: Financial Planning Has Failed   Show Notes Kim shares with us the books that she is reading right now - 0:55 "Never stop learning"; "When"; "The Message"; "Science And Health"; "Mortgages"; The Novel; “New York"; "The Good, Good Pig"; Mindset, and other books you should check out -  2:13 Why Kim loves reading business books - 3:41 A specific book about Life Insurance - 5:10 The books Kim plans to write - 7:54   Review and Subscribe If you like what you hear please leave a review by clicking here Subscribe on your favorite podcast player to get the latest episodes. Click here to subscribe with iTunes Click here to subscribe with Stitcher Click here to subscribe with RSS

If you mastered your emotions you'd be a master of your finances. That's a bold statement and Patrick Donohoe the author of Heads I Win, Tails You Lose talks with Curtis about looking at fear, negative emotions and the keys to being successful. Curtis's motto is that what you learn today and how you position yourself will determine your future financial well-being 5, 10, 20 years from today. To learn more about how to manage your wealth in a practical way, visit www.practicalwealthadvisors.com   Links and Resources from this Episode www.practicalwealthadvisors.com Email Curtis for a free report - curtmay@gmail.com Call his office - 610-622-3121 https://www.amazon.com/Heads-Win-Tails-You-Lose/dp/1544510845 www.paradigmlife.net   Special Listener Gift Schedule a 15-Minute Call with Curtis Free Ebook Financial Planning Has Failed   Show Notes Why emotional intelligence is hard - 3:13 Patrick's background - 4:52 He tells us when he saw a great opportunity - 5:47 He tells us when he met Kim Butler and how Nelson Nash's book helped him - 6:30 Patrick's vision with help individuals learn about what happened since 2008 - 8:14 What we do every single day makes a difference - 8:50 Patrick talks about retirement, freedom, and desire of retirement in his book - 12:49 The importance of finding financial independence  - 13:53 How to be financially free? - 14:48 Financial freedom and financial independence - 16:17 The best return on investment you can get is investing in yourself - 20:40 How to create constant growth - 22:22 The perpetual wealth strategy: Second Chapter of Patrick's book - 23:08 Having liquidity - 24:27 They talk about Private Mutual Insurance Companies - 25:20 Curtis tells us about the study guide in Patrick's book - 28:53 The nature of savings and borrowing - 30:10 Tools to grow your wealth - 32:07 Opportunity cost as a profound principle - 35:41 They talk about leverage (investment strategy of using borrowed money) - 37:26 Understanding how money works - 41:56 Patrick shares with us the books that he is reading now - 42:41 Where you can find Patrick's book - 44:09 Security is the ability to produce - 46:22   Review, Subscribe and Share If you like what you hear please leave a review by clicking here Make sure you're subscribed to the podcast so you get the latest episodes. Click here to subscribe with Apple Podcasts Click here to subscribe with Spotify Click here to subscribe with Stitcher Click here to subscribe with RSS

This is a VERY special episode! Jimmy Chunga is a veteran radio personality & frequent guest / co-host of The Wealth Standard.  In this episode, he turns the tables and takes over hosting duties to welcome Patrick Donohoe as his special guest! We all know Patrick as the creator & host of The Wealth Standard Podcast.  He's also a successful CEO, philanthropist, entrepreneur, and now... Author. Patrick has just released his first book titled "Heads I Win, Tails You Lose".  In just a few short days, it's already become a #1 best-seller on Amazon! Together, Chunga & Patrick talk about what it takes to write a book that's loaded with very personal (and sometimes painful) stories.  Success hasn't come easy for Patrick & he shares those experiences, as well as the opinions and philosophy that inspired him to write a book!

It's a very special episode of The Wealth Standard. To celebrate the release of Patrick's new book “Heads I Win, Tails You Lose” he sat down for a Q&A about his story. He shares the primary experiences that led to the book and formed the philosophy behind The Wealth Standard and Paradigm Life. He's had the opportunity to work with thousands of people and through that, has learned common themes about what drives people to want to succeed. It's time to get out of the box that was created for you. There's a better way to be aligned with your passions, interests and talents to create your own path. Listen to the episode now to hear how others have found that for themselves.

The Formica Table - Episode 06 - Heads I win, tails you lose --- The podcast about everything related to David Lynch and Twin Peaks with hosts Jason Arber, Mark Walker and Robert Valentine. In this podcast, we look at episode 6 of Twin Peaks - The Return, recapping the events and sharing thoughts and theories.