The Underwriter's Insider December 2015 by The Underwriter's Insider

Features 5 Advertising 9 Kim Komando 22 Inside Track 27 Insider Advisor 28 Classifieds 32 Say What? 34 Back Issues

News 4 7 7 9 10

Jorge Hernandez Establishes New PFC: FinanceJorge.Com

ObamaCare Train Wreck Continues Down The Tracks - OP/ED By Spencer A. Lehmann, RHU

Clearwater, Florida Agent’s License Stripped by Appeals Court Ruling 10 Things You Didn’t Know About Tires - But Should! Catch And Stop Neighbors From Stealing Your Internet - Kim Komando Murder Conviction Defeats Claim On Life Insurance Policy - Expert Analysis by Barry Zalma, Esq., CFE

Were The Terrorists “Rebuked” By The Climate Change Summit? Or Is Our President Dangerously Naive? OP/ED by Ron Manera, Editor

Pro Premium Finance Joins Forces With National Leader To Enhance Services, Scope & Product Offering

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UnitedHealth Group May Exit Federal Health Insurance Exchange in 2017 California Insurance Agent Pleads No Contest In $2 Million Annuity Scam Florida Woman’s Attempt To Setup Estranged Husband Backfires Bigtime!

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News 21

California Insurance Agent Arrested For Bilking 20 Consumers In Life Insurance Commission Scam

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Health Care CEO Arrested For Insurance Billing Fraud

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Worst Drivers - Best Drivers: Where Does Your State Rank?

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Lunatic Left Alive & Well In Missouri & Carly Smacks The Donald

Bill To Live Forever? It May Already Be Here! Muslim Man Drags 14 Year Old Female Relative Out Of School By Hair Because She Was Not Wearing Her Hijab

Unbelievable Vintage Ads - The Insider Begins A Short Series Coddled Babies Need Their Safe Space? The Advisor Looks At Mizzou All Risks, Ltd. Acquires Specialty Risk Underwriters Texas Insurance Commissioner Names New TWIA Member

Obama: The Last Thing He Wants Is “American Leadership?” Unbelievable! Tickle-Me-Elmo Vs 2500HP Jet Engine Just Weird... Now Your Hand Is A Touchscreen! Check Out This New Tech. Joseph P. Lacher, Jr. Joins Kemper As President/CEO Florida Tax Preparer To Serve 30 Months For Filing False Returns

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Sponsors 6 8 15 16 17 20 22 26 26 27 37 40 33 41

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Cover Photo: © R. Manera

JORGE HERNANDEZ ESTABLISHES FINANCEJORGE.COM - AN INSURANCE PREMIUM FINANCE BROKERAGE SPECIALIZING IN THE FINANCING OF COMMERCIAL INSURANCE PREMIUMS

arrollton, Georgia After 17 years in the premium finance industry, working through many consolidations and acquisitions, with encouragement from friends, family and agency partners, PFC icon Jorge Hernandez has formed a premium finance brokerage designed to bring real value to client agencies and MGAs: FinanceJorge.Com.

FinanceJorge will be focused on financing commercial insurance premiums across the country through an extensive network of partner independent agencies and MGA relationships. The company will also actively work to introduce their strong insurance premium lending partnerships to new markets and agencies across the country. Those lending partnerships have many benefits to agents and MGAs including access to multiple insurance premium financing markets which can result in very competitive 4

financing terms. Other benefits include the latest in web quoting technology, low and deferred down payments, as well as top agency commissions paid quickly via EFT. “We are thrilled to finally be able to offer our agents and MGA partners a wide range of financing choices along with access to the latest in web quoting and servicing technology,” stressed President and CEO Hernandez. “FinanceJorge has assembled a quality team which brings together a vast amount of premium finance and insurance industry knowledge. Operations are led by a client relations

“FinanceJorge is an insurance premium finance brokerage company that works directly with independent insurance agents and wholesale brokers in the funding of commercial property and casualty premiums.”

Jorge Hernandez, President CEO with his wife Samantha

director with almost a decade of experience working with high quality insurance clientele in an intense premium finance business environment. Hernandez added, “Our staff’s combined knowledge, experience and relationships within the insurance industry means doing business with FinanceJorge will bring a real competitive edge to partner agencies and MGAs.”

Jorge Hernandez can be contacted at 678-386-8555 or at jorge@financejorge. com to learn more about becoming a partner agent with financejorge.com. The Underwriter’s Insider

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CLEARWATER INSURANCE AGENT’S LICENSE STRIPPED AFTER RULING IN FIRST DISTRICT COURT OF APPEALS

ALLAHASSEE, Fla. – Florida CFO Jeff Atwater today announced that William “Bill” Pearson, 64, has been stripped of his insurance license for charging an illegal, unauthorized fee to a deceased veteran’s senior widow and conducting transactions that cost her thousands of dollars in annuity surrender charges. This follows a nearly yearlong appeal by Pearson to the First District Court of Appeals (DCA) that the Department successfully fought.

a recommendation by an administrative law judge with the Division of Administrative Hearings. He appealed to the First DCA and on May 14, 2015, the suspension was stayed which allowed him to continue transacting insurance during the appeal process, with the exception that he could not solicit to persons over the age of 60. Each member of the DCA’s three-judge panel agreed that the suspension should be upheld. Following the suspension period, Pearson will have to apply for reinstatement.

gained the victim’s trust and referred her to Pearson in order to liquidate and consolidate her investments. She later testified that no one ever explained investment options or consequences, which Pearson also acknowledged. As part of the rollover transactions that occurred, the senior incurred thousands of dollars in annuity surrender charges. That’s when the Department’s Division of Agent and Agency Services stepped in. The Department mandated that Cummings pay restitution to cover the On February 5, 2015, Pearson’s losses the victim incurred, license was suspended In July 2010, another insurance and his license was placed on for 15 months following agent, Glenn Cummings, probation.

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Corporate Offices P.O. Box 31551 Palm Beach Gardens, Florida 33420 Ron Manera, Senior Editor Follow Me On Instagram: @rmanera 561.718.0745 • ron@insurmedia.com © Entire Contents 2015 AdMax Corp

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CATCH AND STOP NEIGHBORS FROM STEALING YOUR INTERNET

connected gadgets, identify the ones that belong to you. Your computer should show up in the list using its name, for example. Your tablet or smartphone should have the manufacturer or operating system name in Really Cool Info - by Kim Komando there somewhere. You’ll also see ou’re ready to stream which it is? And if someone is streaming video gadgets and the latest episode of stealing your Internet, what can video game consoles. your favorite show. you do about it? If you can’t make heads or tails of The popcorn smell permeates the list, simply turn off each gadget the room, you’re settled in your Catch the Internet thief favorite spot and everything is Start by taking stock of your one by one (or just disable the perfect. When you fire up Netflix, network. Log in to your router gadget’s Wi-Fi ) to figure out what frustration sets in. The video is and check the section that shows is what. Take a screen shot or write fuzzy and keeps pausing. what gadgets are connected to it down for future reference. When the network. Check your router’s you find a gadget connected to Perhaps your Internet connection manual for instructions on logging your network that doesn’t belong hit a temporary speed bump or in. If you can’t find your manual, to you, there’s the culprit. is it something else? Could your download a digital copy here. You might need to check back a few neighbors be tapping into your Internet connection, sucking up If you want an easier solution, you times if the Internet slowdown is valuable bandwidth and leaving can grab the aptly named Wireless random. The culprit might only be you and your gadgets Network Watcher. This free using your Internet infrequently. with just leftover program gives you a list crumbs of of gadgets connected Stop an Internet thief capacity? to your Wi-Fi Even if you spot a rogue connection, however, you won’t How do network. be able to tell exactly who is you know Once you connected. You could barge into have the your neighbors’ houses to check list of their gadgets’ names and MAC addresses. For the record, I don’t recommend doing that.

Fortunately, it doesn’t matter. Encrypting your Wi-Fi network will usually be enough to keep intruders out. Click here to learn how to secure your Wi-Fi against intruders.

See Kim Komando Pg 38 www.underwritersinsider.com

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MURDER CONVICTION DEFEATS CLAIM ON LIFE INSURANCE POLICY Expert Analysis & Commentary by Barry Zalma, Esq., CFE

he U.S. District Court for the Northern District of Alabama was faced with an unusual claim made by a person with unmitigated gall – a murderer seeking the benefits of the life insurance policy on the life of the person he murdered. The decision should have been easy but, because the plaintiff-killer was litigating in pro se the court was forced to bend over backwards to reach a fair result in Richard Carl Parton v. Roy Thomas Smith, Jr., Slip Copy, 2015 WL 7176415 (N.D.Ala., 11/16/2015)

FACTS

defendant is proceeding pro se, the district court must give that party express notice of the summary judgment rules, of his right to file affidavits or other materials in opposition to the motion, and of the consequences of default. This court did so on September 15, 2015. Still, the defendant has filed no opposition to the motion.

The Prudential Insurance Company of America (“Prudential”), as stakeholder, filed an interpleader action on March 28, 2011. At issue are who is entitled to receive the proceeds from insurance issued by Prudential to its insured, Carla Smith, which became payable as a result of the death of Ms. Smith. Named in the complaint as defendants were Richard Carl Parton and Roy Thomas Smith, Jr. They are now the only parties remaining. The proceeds at issue 10

Since the defendant filed no response to the motion. Pursuant to the court’s Uniform Initial Order, each proffered fact should be deemed admitted for the purpose of ruling on this motion. However, because the defendant is proceeding pro se, the court has reviewed the record, and the submissions by the plaintiff, and notes that have been paid into the court there is undisputed evidence in registry. support of each proffered fact. The case comes before the court The court, after conducting on the motion for summary an independent review of the judgment filed by the plaintiff, evidence available found that Richard Carl Parton. The there is no genuine issue of motion seeks a determination material fact as to the following: that Parton is entitled to all provided of the proceeds. Because the 1. Prudential certain Group Life Insurance coverage on the life of Carla Join Barry Zalma’s new Blog: Smith (the “Insured”), with a total http://www.zalma.com/blog death benefit of $244,000.00 payable upon her death.

Barry Zalma, Esq., CFE is a California attorney specializing in insurance coverage, insurance claims handling and fraud who serves as a consultant and expert for insurers and policyholders. He founded Zalma Insurance Consultants in 2001 and serves as its senior consultant. He recently published an e-book, “Getting The Whole Truth,” which is available at his Web site, www.zalma.com. Go to Zalma Books at http://www.zalma.com/zalmabooks. htm.

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2. The defendant was the primary beneficiary under the coverage, but the coverage provides that if he were determined to be ineligible to receive the receive the death benefit, the plaintiff, as the contingent beneficiary under the coverage, was entitled to the death benefit. 3. The Insured was found to have died as the result of “manual strangulation”, and the defendant was criminally charged with the Insured’s death. 4. In his Answer to the Interpleader Complaint, the defendant confirmed that, under pertinent law, he would not be eligible to receive the death benefit if convicted of the crime with which he was charged, although he denied that the law was applicable, contending that he was innocent of such crime.

the offense of Capital Murder, for the murder of the Insured.. In its sentencing order, the court confirmed that the jury actually found the defendant guilty “of the offense of Murder for Pecuniary Gain, a Capital Offense.”

Here, the defendant has been convicted of the crime of “Murder for Pecuniary Gain,” a Capital Offense in Alabama. Ala. 7. As evidenced by Code § 13A-5-40(7) “Sentencing Order” entered on April 22, 2014, in Case Number: In light of the foregoing, the CC-11-455-WAM, the defendant District Court concluded that was sentenced on April 17, there is no genuine issue of 2014, by the Circuit Court of material fact that there has Etowah County, Alabama, to life been a final determination that in prison without the possibility the defendant feloniously and of parole. intentionally killed the insured, Carla Smith. Thus, under 8. As shown by Certificate applicable Alabama law, the of Judgment issued by its clerk, defendant is deemed to have the Alabama Court of Criminal predeceased the insured, and Appeals, on November 7, 2014, the plaintiff, as the contingent affirmed the judgment of beneficiary under the coverage, conviction. is due to receive the death benefit. 9. As shown by Certificate of Judgment issued by its clerk, ZALMA OPINION the Supreme Court of Alabama, on February 13, 2015, denied This should not have been a the petition for writ of certiorari difficult decision and probably to the Court of Criminal Appeals. was not. There should be no

5. In his Answer filed to Prudential’s Interpleader Complaint in this case, the defendant confirmed that if he was not entitled to the ANALYSIS death benefit, the plaintiff, as contingent beneficiary, may be Under Alabama law, a named entitled thereto. beneficiary of a life insurance policy who feloniously and 6. As evidenced by intentionally kills the person “Judgment of the Court” entered upon whose life the policy is on March 21, 2014, after trial in issued is not entitled to any Case Number: CC-11-455-WAM, benefit under the policy and Circuit Court of Etowah County, it becomes payable as though Alabama, the jury returned the killer had predeceased a verdict on March 18, 2014, the decedent. In Alabama, “[a] finding the defendant guilty of www.underwritersinsider.com

final judgment of conviction of felonious and intentional killing is conclusive for purposes of this section.” Ala. Code § 43-8-253(e).

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question that a murderer should never profit from his crime. Although the court wrote a clear and well researched decision if I was the judge I would have issued an order that said no more than defendant, as the convicted murderer of the insured, is deemed to have predeceased the insured, and the plaintiff, as the contingent beneficiary under the coverage, will receive the death benefit. 11

OBAMACARE TRAIN WRECK CONTINUES DOWN THE TRACKS OP/ED BY SPENCER A. LEHMANN, RHU By Spencer A. Lehmann, RHU

proponents refuse to read the facts that are being revealed almost weekly by even the Mainstream Media (MSM). New to the headlines that we continually read is this:

s the PPACA, aka the ACA, aka the UnACA continues to roll on down the tracks to oblivion, unless major changes are made in this truly bad law, that is leaving far more Millions of Americans unable to access needed health care than before the advent of this politically motivated and created law, it is truly amazing that so many of its proponents are seemingly oblivious to the harm the UnACA is leaving in its path. What we who know factually to be horrible and life changing events causing Middle America to have a harder and far more difficult time accessing the very care that they need, is met with voices of derision telling us that “Millions more now have insurance! How can you possibly say that more Americans than before can’t get care?” We can because the facts are that they can’t get the care they once could due to exponentially higher deductibles and appallingly higher premiums. Nevertheless,

“Obamacare Exchange Customers: Health Care Still Costs Too Much A new study reveals how Americans feel about health insurance exchanges.” [HERE] Continuing from the article that appears in US News and World Report:

Spencer A. Lehmann is a Registered Health Underwriter (RHU), whose company, Lehmann/Wood & Associates, Inc., specializes in Group and Individual Long Term Care insurance and Medicare Supplemental Coverage. Mr. Lehmann retired from his company in 2005 and now spends his time writing on Health Care Insurance and Political Issues, both of which have encompassed over 40+ years of his life. He has been an actively involved member of the National Association of Health Underwriters (NAHU) since 1978, and serves on the Board of Directors of several Charitable Organizations’ helping Special Needs Children, and Inner-City Children to experience and participate in the world of the Arts and Music. In his free time he plays golf with his wife, Fran, who usually wins.

these

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“Many Americans who bought health insurance through exchanges operated by states or the federal government have a good understanding of how their plan works, but also are afraid they can’t afford medical services, according to research published Monday by the Deloitte Center for Health Solutions…. Low- and middle-income consumers who use the marketplaces often are able to qualify for tax subsidies to offset the cost of monthly premiums and help them afford care. But while the Department of Health and Human Services has touted low premiums averaging $100 a month for the majority of Americans who use The Underwriter’s Insider

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CLICK HERE! exchanges, that message only tells part of the story, leaving out details about copays, deductibles and provider costs that may be out of reach. “There is a lot of evidence to suggest consumers are learning as they go, and I’m sure it’s not without a lot of painful experiences,” says Paul Lambdin, insurance exchanges and retail practice leader for health plans at Deloitte Consulting. The Deloitte Center for Health Solutions, a research arm of Deloitte, has been polling consumer attitudes about health insurance and the health care system since 2008. For this report, researchers surveyed 3,887 people, 406 of whom used online marketplaces to buy health insurance. The analysis did not distinguish between people who used state exchanges and those who used the federal website, HealthCare. gov.

revealed costs are still a major concern for exchange customers. Results showed only 24 percent felt they could get affordable care when they needed it, and just 16 percent felt financially prepared to handle future health care costs. And 1 in 3 reported they had difficulty paying for out-ofpocket expenses when enrolled in a marketplace plan for a full year.”

in comparison, had a 58 percent satisfaction rate, and 42 percent of people with employer plans were satisfied.” While there is more to the study by the Deloitte Center for Health Solutions [HERE], the bottom line is clear. The UnACA, aka the PPACA, aka Obama’sCare, See ObamaCare- Page 40

Well whaddayaknow. The proponents of the UnACA love to tell us all how much this law has helped those previously uninsured. No, it hasn’t. Let’s look at that language again: “Despite having insurance coverage that some may not have had before, the survey revealed costs are still a major concern for exchange customers…. And 1 in 3 reported they had difficulty paying for out-of-pocket expenses when enrolled in a marketplace plan for a full year.” Again from the article: “less than a third of exchange enrollees reported being happy with their current plans, with paying too much cited as the top reason for the dissatisfaction. Medicare,

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“WHAT A POWERFUL REBUKE TO THE TERRORISTS” THE PARIS CLIMATE SUMMIT WILL BE! - PRESIDENT BARACK OBAMA OP/ED by Ron Manera

ashington, DC - In advance of his trip to Paris in November to attend a climate summit of world leaders, President Barack Obama’s eyes welled up, his voice filled with emotion and he actually spoke these words: “Next week, I will be joining President Hollande and world leaders in Paris for the global climate conference. What a powerful rebuke to the terrorists it will be, when the world stands as one and shows that we will not be deterred from building a better future for our children.” And folks, he was not on Saturday Night Live when he said it. Yet if those few ISIS commandos that may even have known about the conference had heard his words, they must have been doubled up laughing - while feeling properly rebuked, of course. Yet our erstwhile Commander In Chief, who cannot even articulate the words,“radical Islamist terrorist,” is not the only liberal taking this unbelievable position. Another Democrat comedienne, and wanna-be-president, Bernie Sanders declared that “Climate change Is directly related to the growth of terrorism” and continues to claim that climate change is

the biggest threat to our national every base. The world actually security. warming or cooling is completely incidental and irrelevant! Do these politicians think we are stupid? Alex Epstein, author of the Moral Case For Fossil Fuels, sets out the I don’t know about you, but I have fundamental problem with the yet to hear a terrorist complaining climate change industry here: about a shrinking glacier or rising sea levels. They seem mostly “Increasing the amount of CO2 in unconcerned about their CO2 the atmosphere from 0.03 per cent output. It’s about killing infidels to 0.04 per cent has not caused and and apostates, right? Establishing is not causing catastrophic runaway a caliphate, right? Their goal is global warming. Dishonest references to drag the West back to the 7th to “97 per cent of scientists” equate Century & insitute Sharia Law. If a mild warming influence, which there was ever a conflict that was most scientists agree with and more NOT about crop yields or resources importantly can demonstrate, with that may be affected by climate a catastrophic warming influence – change, this has got to be the one. which most don’t agree with and none can demonstrate.” Did you ever wonder why every liberal is so darned enamored with But is the climate changing? Well, climate change - now a $1.5 trillion it’s been changing for 4 billion annual industry? (That’s 4 billion years. Not much reason to assume per day, folks, that you are being it has suddenly stopped - but It charged for in your taxes, fuel sure as Hell is not the biggest costs, energy costs, electric bills, threat facing our country. airfare, etc.) Ask yourself why the liberals love it - and conservatives Anthropogenic climate change mostly do not. Why? Here’s why: as it’s being sold to us by Barack Obama, Al Gore, Bernie Sanders Climate change (formerly global and a growing assortment of warming until the warming left-wing loons is an enormously stopped...) is simply the best vehicle expensive hoax. There have been that Progressives have ever found five ice ages in the past 100,000 to advance their anti-capitalist, years. All of them ended during a anti-industrialist, anti-free market, period of rapid warming and there pro-big government, wealth wasn’t an SUV or a coal-fired power transference agenda. It’s just plant anywhere on earth. Figure it perfect for liberals. It covers almost out.

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PRO PREMIUM FINANCE JOINS FORCES WITH NATIONAL LEADER TO ENHANCE SERVICES, SCOPE AND PRODUCT OFFERING

OLLYWOOD, FLORIDA – Fastest growing national insurance premium finance company, US Premium Finance, a division of Brand Bank acquires East Coast focused leader Pro Premium Finance, expanding its geographic reach, product and service offerings to its agency-partners, while maintaining the best-inclass service-centric operations that distinguish both in the premium finance marketplace.

services company and extending same dedicated team they’re its reach to all 50 states and three accustomed to. Our agencyU.S. territories. partners will notice additional products, better pricing options “Joining forces with a larger and terms and an improved bank-owned company is really software platform, which includes exciting. It increases our a mobile app. It’s a win-win for financing options, our agents, their customers and adds a whole new level our companies.” of sophistication to our quoting and loan management “We found the service capabilities and expands our commitment that Danny and customer-service offerings” says his team provide to their clients Pro Premium President Daniel squares directly with USPF’s Glantz. service-driven model. It was an easy decision to react quickly Florida based Pro Premium “We will be able to maintain to the opportunity,” says Bill Finance, having thrived since its our concierge-style service with Villari, President of US Premium inception in 1987, will continue significantly more resources. Finance. “We started at roughly to operate under the same Our agents and insured- the same time in South Florida, name and with its same team of clients will continue to get the coincidentally with the same dedicated service professionals. friendly and professional one- bank and lending officer. It was a The new parent company will to-one assistance from the natural. We are all very excited.” enable Pro Premium to gain a national presence, enhance its pricing, terms, and technology platform for its agent-partners; and, provide significant additional resources from this diversified financial services company. As a division of a bank, Pro Premium, whose agentpartners are predominantly in Florida and New York, will have access to significantly more products and resources, becoming part of a diversified financial

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UNITEDHEALTH GROUP MAY EXIT FEDERAL HEALTH INSURANCE EXCHANGE IN 2017 CITING “UNSUSTAINABLE LOSSES”

nitedHealth Group (United Healthcare) once a big booster of Obamacare seems to have learned what many had predicted: The Federal Exchange model will not work and many of the state exchanges have either closed or are near insolvency. UHG is the largest carrier participating in the Federal Health Care Exchange.

marketplace, customers will be faced with lessor competition, higher premiums and higher deductibles. Barack Obama’s promise of reduced health “In recent weeks, growth insurance costs never materialized expectations for individual - and in fact insurance costs exchange participation have continue to skyrocket. tempered industry wide, cooperatives have failed, and market Nine insurors have dropped out data has signaled higher risks and of the Federal Exchanges and more difficulties while our own four have dropped from the state Unitedhealth Group Inc.’s CEO claims experience has deteriorated,” exchanges. If the Republicans take Stephen Hemsley defended Hemsley said in a statement. the Whitehouse in 2017, look for the possible exit and called the major changes in this unpopular company’s 2015 move into 24 states With UHG and other insurer’s and problematic health care a “bad decision.” The company vacating the Federal Exchange legislation. www.underwritersinsider.com

has about 500,000 customers on the exchanges but cited lowered enrollment and high-risk customers as two of the problems.

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CALIFORNIA INSURANCE AGENT PLEADS NO CONTEST IN $2 MILLION ANNUITY SCAM

ANTA BARBARA, Calif. Joseph Anthony Mele, 30, of Ventura pleaded no contest to multiple felony counts including grand theft by false pretenses, theft from an elder and money laundering for ripping off two senior victims for $2 million in an annuity scam. "Elder financial abuse is an egregious crime," said Insurance Commissioner Dave Jones. "Mele lined his pockets with profits gained by violating his client's trust and fiduciary responsibility as a licensed insurance agent."

him. In June 2007, he sold her $1,154,268 in long-term annuities. Over the course of seven years, Mele twisted and churned these annuities, a deceptive practice of rewriting annuities in order to obtain additional commissions under the guise of providing better returns.

lost premium and interest, and suffered additional tax liability

Mele earned $295,965 in commissions and caused the victim to lose more than $500,000 in surrender penalties. In The California Department of addition, Mele wrote Insurance Investigation Bureau himself $800,000 in began a joint investigation unauthorized checks with the Santa Barbara Police from the victim's Joseph Anthony Mele, 30 Department in October 2014 after checking account so he receiving notification of suspected could invest the funds for her. Bank after Mele convinced her to elder abuse records revealed surrender her annuities early. “Mele wrote from the Santa this money was Barbara Financial himself $800,000 in never remitted Department investigators were Abuse Specialist unauthorized checks to an insurance able to get some insurers to refund Team and Adult company but surrender penalties for victims, from the victim's Protective used for personal once Mele's scam was revealed. Services. checking account... expenses including e n t e r t a i n m e n t , The department has taken legal used for personal The investigation travel and action to permanently revoke expenses including revealed that Mele's insurance license. The Santa gambling. Joseph Anthony Barbara County District Attorney's entertainment, Mele acted as a D e p a r t m e n t Office is prosecuting this case. travel and financial planner i n v e s t i g a t o r s Mele faces up to 30 years in prison, gambling.” for a 93-yearalso uncovered restitution of more than $800,000 old woman and a second victim, and fines of $1.6 million when he convinced her to reinvest her a 74-year-old woman who lost is sentenced on January 4, 2016 in existing retirement portfolio with $80,000 in surrender penalties, Santa Barbara Superior Court. 18

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FLORIDA WOMAN’S ATTEMPT TO SETUP ESTRANGED HUSBAND BACKFIRES BIGTIME & LEADS TO CHARGES OF POSSESSION OF CHILD PORNOGRAPHY AND BOMB THREATS

Tampa, Florida, woman pleaded guilty to child pornography charges and issuing false bomb threats, Assistant Attorney General Leslie R. Caldwell of the Justice Department’s Criminal Division and U.S. Attorney A. Lee Bentley III of the Middle District of Florida announced on Nov. 23.

husband’s name and additional child exploitation images that she downloaded. Numata used another fake Facebook profile to post a photo of the flyer on the Misawa Air Base Facebook page. During this period, Numata admitted that she communicated false bomb threats to Misawa Air Base on two occasions claiming to be from her Jacqueline Numata, 27, estranged husband in pleaded guilty today order to frame him. As before U.S. Magistrate a result of the threats, Judge Anthony E. Porcelli the buildings in the Experienced, knowledgable of the Middle District affected areas on base Florida insurance & premium of Florida to one count were evacuated and the finance professional holding of possession of child security posture was active 2-20 & 2-15 licenses pornography and one increased. seeking company rep or relacount of communicating tionship manager position in false bomb threats to the As part of her plea carrier, MGA or PFC role. ExpeU.S. Air Force Air Base agreement, Numata rienced calling on commercial in Misawa, Japan, while must register as a sex & personal lines agents. Availshe was an Army and Air offender under the Sex able to travel. Seeking salary Force Exchange Service Offender Registration + commission. employee in Misawa. and Notification Act. Numata’s sentencing will Please contact me at: be set at a later date. This case was investigated by the Air Force Office of Candidate88@yahoo.com According to the plea Special Investigations for further information documents, during a and was prosecuted by and resume. period of three months Trial Attorney Jay Bauer beginning in January of the Criminal Division’s 2015, Numata accessed and also created and distributed in Human Rights and Special downloaded about 80 images Misawa a flyer advertising the Prosecutions Section and of child pornography and sale of children for sex, child Assistant U.S. Attorney Rachel uploaded the images to a blog pornography and marijuana Jones of the Middle District of she created in her estranged that included her estranged Florida. www.underwritersinsider.com

husband’s name. She then used a fake Facebook profile to link those images to the Misawa Air Base Facebook community page, visible to all members of the site. Numata

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CALIFORNIA INSURANCE AGENT ARRESTED FOR BILKING 20 CONSUMERS IN LIFE INSURANCE COMMISSION SCAM Search For More Victims Continues From Monterey to Los Angeles

their knowledge and establish automatic payments. If victims noticed the additional payments, Komarenko explained it as insurance company billing errors. He then canceled the existing policies and wrote new ones-starting the scam cycle all over again.

ENTURA, Calif. - Alexander K o m a r e n k o, 54, of Newbury Park, was arrested and " K o m a re n k o booked by the Ventura violated his fiduciary County Sheriff for responsibility allegedly running a when he allegedly commission scam took advantage by signing up more of his clients," than 20 people for said Insurance multiple life insurance policies without their Alexander Komarenko, 54 Commissioner Dave Jones. "Licensed knowledge, including insurance agents hold a position one 83-year-old non-English of trust and are held to a high speaking woman. standard of professionalism in An investigation by the California." Department of Insurance Komarenko found additional Investigations Division found victims by befriending people Komarenko allegedly traveled and gaining referrals from his Investigators have between Los Angeles and victims. identified 20 victims so far, the central coast where he befriended people and sold stretching from Hollywood them life insurance policies that and the San Fernando Valley to included automatic monthly Salinas and Monterey. premium payments from their checking accounts. Komarenko would then allegedly sign the victim up for additional life insurance policies without www.underwritersinsider.com

billings for what they believe is one policy should call the department's toll-free consumer services hotline at 800-927-4357. Komarenko's agent license has been suspended by the Department of Insurance. To learn more about the status, search by typing in the suspect's last name on the department's website.

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Department of Insurance investigators are looking for more victims. Anyone who has purchased a policy from Komarenko or received multiple

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in Whittier, was arrested on three felony counts of insurance fraud for allegedly billing Anthem Blue Cross for a $170,000 prosthetic arm after Lira 2003. The new jet will was notified be capable of speeds the patient near 1000 MPH - or had died. 1.5 times the speed Suspecting of sound. Target fraud, Anthem market will include referred the billionaires, high-flying claim to the CEOs, Saudi oil-rich D e p a r t m e nt sheiks and, of course, Peter Lira, 53 of Insurance insurance agents. f o r investigation. Detectives Health Care CEO found evidence that Arrested For Lira allegedly submitted Insurance Fraud fraudulent invoices and forged the deceased OS ANGELES, Calif. - patient’s signature on the Peter Lira, 53, CEO of Am- delivery receipt to collect Pro Prosthetics & Orthotics payment for manufacturing

Breaking News Supersonic Business Jet Coming

company is planning to build a supersonic business jet - the first of it’s kind. Texas billionaire

Robert Bass’s company, Aerion is currently scouting for a manufacturing site near a US airport with a 2021 firstflight target. While the only supersonic passenger jet to ever fly was retired after 27 years of service, the French/British Concord consumed twice as much fuel as a 747 yet carried only one-fourth as many passengers. That, along with high maintenance costs and a devastating crash caused the jets to be parked in 22

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a prosthetic arm even though the patient has died. Lira was arrested on Friday and booked into Men’s Central Jail in Los Angeles. He faces five years in prison, if convicted on all counts. This case is being prosecuted by the Los Angeles County District Attorney’s Office.

Clinton’s Top Aid: Hillary “Often Confused”

Pill To Live Forever?

ell, no. Just to 120 or so. There is actually an ongoing clinical trial of the diabetes drug Metformin, a drug that increases the number of oxygen molecules into a cell, to test its apparent anti-aging properties. For a while, doctors have noted that patients taking the drug for diabetes lived longer than expected - by an astounding 8 years. Then researchers found the drug was effective in extending the life-span of tiny roundworms. The clinical trials begin in the US next winter and scientists are currently recruiting volunteers in their 70s & 80s who may have a risk of cancer, heart disease or dementia. The drug not only seems to extend life-span but also delays the onset of age-related disease. If the drug works, it could really play havoc with mortality tables...

ccording to emails of official U.S. State Department business obtained by Judicial Watch in October of this year, Hillary Clinton’s long-time top aid Huma Abedin described Clinton in an email to another staffer as “often confused.” Another email asked for special consideration for Abedin’s mother, a controversial Islamist activist living in Saudi Arabia. Think it’s a bit of a conflict that our former Secretary of State has for Just Gotta Love That her top aid a Muslim with Multi-Culturalism... clearly divided interests? Interesting that President Obama’s top confidant and oliceinColumbia,Missouri advisor, Valerie Jarrett was arrested Muslim Youssif born in Iran and many feel Z. Omar, 53, in November may have divided loyalties.

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after he discovered his 14-yearold female relative was not wearing her hijab at Hickman High School. Youssif Omar Omar allegedly grabbed the girl violently by the hair and yanked her down a flight of steps, slapping her in the face and pulling her into his car by her hair. Tough guy Omar was charged with “suspicion of child abuse,” a felony, and bonded out after posting a $4,500 bond.

FL Comp Rates Drop

lorida Insurance Commissioner Kevin M. McCarty has ordered the National Council on Compensation Insurance (NCCI) to lower workers’ compensation rates for Florida employers by 5.1%. The Order signed Nov 3rd is a disapproval of the proposed 1.9% decrease NCCI included in its rate filing. If the rate filing is resubmitted to the Office by Monday, November 9th with the required changes, the Office will approve the filing. 23

WORST DRIVERS BEST DRIVERS

UNBELEIVABLE VINTAGE ADS

othing illustrates the changes in our national culture better than here’s a new study worst states in each category published by Car Insurance studied were North Dakota for vintage ads - many of which Comparison that rates drunk driving, Louisiana for would be considered over-thedriver by state on a number of failure to obey infractions, New top sexist and politically incorrect. factors including the fatality rate Hampshire for speeding, and today. per 100 million miles traveled, the Florida for careless driving. number of “failure to obey” traffic tickets as well as drunk driving, Bad news for insurers, the number speeding and careless driving. of deaths due to auto accidents rose 8% from 2014 during the 6 months ending 2015.

Worst Driver States In Red

Data from 2014 indicated an astounding 32,675 people died in auto accidents - actually down from the year before by 1% - and fatalities per mile driven also decreased slightly.

We’ll be running some of those goofy ads from the Mad Men era over the next several issues for your amusement and edification - beginning with the LEGGS synthetic permanent press men’s pants ad to the right. He knew how to manage his woman...

The loser in the “competition” was Montana with a score of 48 and the winner was Minnesota with a score of 225. In order, the ten states with the worst drivers were, Montana, New Mexico, South Carolina, Texas, Louisiana, Arizona, Hawaii, North Dakota, Delaware, Mississippi and Nevada. New Mexico shot up to number 2 from outside the top 10 last year do to a surge in DWI citations in 2015. The study also published the 24

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“The Final Authority on Everything!” Coddled Babies Need Their Safe Space?

am literally sickened by watching the cry baby students at the University of Missouri whine and blubber about every little thing that “offends” them while hiding in their little “safe spaces.” Even scarier, they will be running our country one day. G.H. Dallas, TX These millenials, laughable in their own conceit, are a special breed - living even further from reality then their parents did in the 60’s, many of who are now busy destroying our country. To say they are at the center of their own universe would be accurate - but it’s a parallel universe. As the students at Mizzou gathered to protest all that is unjust in the world, they epitomized everything wrong with liberalism:

ADVISOR

A Different Generation proclaiming their love for Leaving Their “Safe Space” inclusion and diversity, they It Was Called D-Day... are the apex of hypocrisy - for any other concepts other than their chanted slogans and uberprogressive ideas are deemed unacceptable, politically incorrect hate speech. Words you cannot even imagine being controversial or offensive are nevertheless channeled as “safe space,” and huddle therein. “microaggressions.” Our only hope as a country, In short, these precious, spoiled is that the delicate brains of brats are just so sensitive, so these students solidify prior to fragile, so insulated from the their achieving any real-world real world that they must create position where they may affect their own psuedo-reality, call it a the welfare of the rest of us.

Everybody is a victim. Virtually everything is offensive - and offending one of these precious souls is a cardinal sin. While www.underwritersinsider.com

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Registered Customer Service Rep 4-40 Palm Beach County

Experienced Registered Cus-

FREE CLASSIFIED RULES: Submit all ads online at: www.underwritersinsider. tomer Service Representative com/classifieds. Ads must be less than 501 characters plus a title line. Eligible free classifieds include help wanted, position wanted, personal ads, agency for sale/purchase, or the one-time sale of an item or items. Place Ad HERE!

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Submit all ads online at: www. underwritersinsider.com/classifieds. Only $1.00 per word, including title line and response info. Payment must be received prior to print date. Ads run 3 mo.

Outside Biz Ins Rep Needed - Can Be Home Based

Local Tri county ins agency needs help with local biz ins clients all over south fla. Pls email resume to jdr33433@gmail.com. Compensation based on experience and all expenses reimbursed. You need us and we need you! 15-7

Experienced CSR Wanted Palm Beach, FL Area Experienced 440 licensed CSR wanted must have clear speaking voice and excellent communication skills. Bilingual English/Spanish a plus! Excellent benefits provided. Send resume to al.poncedeleon@estrellainsurance.com Tel. 561 755 2586

Production Underwriters

We are a progressive P & C wholesale broker looking for the best talent in the business to serve FL, CA & TX. Do you have what it takes to build a profitable book of business, develop and maintain agent relationships and execute a business plan to achieve revenue production goals? If so, we can provide you opportunities to grow professionally and financially. Send CV to: jnaranjo@everiskpro.com 15-12

CSR WANTED Deerfield Beach, FL Established office seeking 440/220 licensed CSR. Family owned business that treats employees as family. Work for a successful office. fax resume 954/427-9065

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15-6

Working Partner Wanted East Tampa

All Lines Agency established 2006 seeks working partner - to replace retired partner - Florida 220 and investment a must. Please inquire admin@naioia.com 15-12

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4-40 Wanted Bilingual English / Spanish with experience, to work in Lake Worth, Palm Beach, excellent working conditions requested. Angel 561-755-2586. 15-4

Personal Lines Producer Destin, FL Area Wanting an experienced self motivated producer for this high end area. Don@mcmahonhadder.com 15-3

Entrepreneurial Underwriter Entrepreneurial, qualityfocused, P & C underwriter and marketing person seeks part time or full time employment. I bring knowledge, team spirit and enthusiasm to the job. I can work from my office in Cocoa or your office in the Orlando area. Contact cee42@aol.com 15-3

Experienced Personal lines CSR Wanted St. Pete FL Looking for a self motivated, ambitious inside sales account rep, 2-20 lic., may consider 4-40 for full or part time, duties include quoting and servicing accounts and account rounding for Business owners, Workers Comp, General Liability and other lines of business Established agency since 1958 Contact: rbozeman@bozemaninsurance.com 15-4 The Underwriter’s Insider

220 Needed for Outside Sales!! Local South Broward county ins office needs an outside licensed producer. Can work from home and office. Must have experience writing comm lines policies. Very high compensation package. Send resume and cover letter today! florida.firstins@ yahoo.com 15-5

LICENSED 220 WANTED-FLORIDA INDEPENDENT LEAD GENERATOR FACE TO FACE OR PHONE CONTACT-COMMERCIAL & PERSONAL LINES-COMMISSION ONLY POSITION-50% NEW BUSINESS,25% RENEWALS-MUST HAVE OWN E&O COVERAGE-SERIOUS INQUIRIES ONLY. APPLEINSURANCE@MSN.COM 15-2

Legal Secretary/Paralegal In-House legal secretary/ paralegal for rapidly expanding insurance company legal department.Responsibilities include assisting General Counsel with Corporate Compliance, Licensing, document and contract preparation, interface with other departments and provide support for all other corporate legal affairs. At least 5 years’ experience with corporate or insurance transactional work preferred. hr@sunzinsurance.com 15-12 www.underwritersinsider.com

Experienced Commercial Agent Boca Raton, FL Area We are a family owned and operated General Lines Agency located in Boca Raton since 2002 looking for an experienced Commercial Producer. We have access to ALL commercial standard and excess surplus markets at the MOST competitive premiums. You: local success experience, a self starter and ethical. Flexible commission splits, start up assistance, long term minded. 561-305-9599. 15-6

EXPERIENCED AUTO INSURANCE AGENT EXPERIENCED AUTO SALES PROPERTY AND CASUALTY 220 AGENT SEEKING PROFESSIONAL AGENCY WHO APPRECIATES A WELLROUNDED SALES AGENT WHO IS EXCELLENT IN SALES AND VERY METICULOUS WITH RECORDING MEMOS AND HANDLING PAPERWORK. MUST HAVE A WARM AND FRIENDLY ATTITUDE AND BE CONCERNED ABOUT THE CLIENTS NEEDS. 15-2

Experienced Customer Service Rep - Miami WANTED! Hard working, multi tasking individual to interact with toplevel retail insurance agents & their customers in a fast-paced environment where service is our number one priority. Job duties include handling inbound calls; process electronic payments & review loan history; resolve customer service issues. Proficiency in MS Outlook/Word/Excel. Send resume to resumes@standandpremium.com. 15-12

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Purchase Retiring Agency (or merge) South Florida Purchase (or merge) a retiring agent’s or agency’s book of business in Palm Beach, Broward or possibly MiamiDade County. We prefer Homeowner and Commercial accounts. We have MOST Standard contracts. Must have demographics and performance history for last 5 years+. Flexible terms offered, possible partnership as well. Call 561-305-9599. CONFIDENTIAL 15-6

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2-20 or 20-44 Wanted-Miramar FL Send resume to timinsurance1@yahoo.com, fax 954404-7234 or visit us 6590 Pembroke Road Suite B., Miramar, FL 33023 15-2 29

PREMIUM FINANCE SALES - CALIFORNIA Insurance Finance company is seeking an Account Sales Representative to cover our California territory. The ideal candidate will have experience in the insurance industry and/or knowledge of insurance premium financing. Must have an outgoing dynamic personality. Travel throughout the state of California required. Send resume to opportunities@financebulldog.com 15-9

Florida 2-20 or 4-40 Agent Hialeah Small agency has an opening position for a commercial lines agent with homeowner and auto insurance knowledge in Hialeah Fl 33018 15-2

Producer/Brokers Wanted: Nationally USG Insurance Services, Inc. is a national wholesaler and MGA seeking experienced commercial E&S Producer/ Brokers for multiple locations. Mandatory E&S insurance experience, only those with a proven track record in sales should apply that are self-motivated, team players. Find out more about the position and how to apply at www.usgins.com under Careers. 15-3 30

Cont’d... FLORIDA DAILY ADJUSTERS NEEDED Daily adjusters needed in the entire stte of Florida. Must have a minimum of 2 years experience provable in handling daily claims. Please email your resume to: Ateamadjustingservice@ gmail.com 15-12

Experienced Licensed CSR Wanted Ft. Lauderdale Agency needs experienced 440 licensed CSR for renewals/ sales. Renew policies upon expiration dates; obtain information to determine coverage changes/requirements, and binding. Quote to shop renewals. Prepare/provide information to insureds using verbal and written communications. Cross-sell opportunities for auto, life, and flood. Fax resume to 561948-4582 or email to ahart@ accessaip.com. 15-3

ALL RISKS, LTD. ACQUIRES SPECIALTY RISK UNDERWRITERS

UNT VALLEY, MD (November 30, 2015) – All Risks, Ltd., the nation’s largest independent wholesaler, announces its acquisition of Specialty Risk Underwriters (SRU), a national program administrator based in St. Petersburg, FL. Specialty Risk Underwriters has developed a variety of accident insurance plans and national comprehensive packages for sports organizations, school districts, colleges/ universities, camps, special events and even individual students. SRU has joined All Risks, Ltd. effective November 1, 2015. Terms of the transaction were not disclosed.

Kent and JoAnna Lynch, founders of Specialty Risk Underwriters, have joined the Alive Risk division of the National Specialty Programs unit of All Risks as Directors of the Accident Medical Programs. They will continue to operate from St. 2-20 Agents & Producers Petersburg, running their dayWanted - FL & GA to-day operations, marketing We Insure Group, Inc. is one and underwriting their national of Florida’s ‘Fastest Grow- products, while continuing to ing Companies’ and is look- enhance their packages for current ing to expand even more! Currently seeking new Agency and new clients. Kent Lynch can Owners in Central and North be reached at 855-237-5280, by Florida, as well as, expe- cell at 727-519-8351 or klynch@ rienced Producers throughout the entire state! Please sruins.com. JoAnna Lynch can be Contact: We Insure Group reached at 855-237-5280, by cell Franchising franchise@ at 727-519-8595 or jlynch@sruins. weinsuregroup.com com. 855-483-3901 15-3

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TEXAS INSURANCE COMMISSIONER NAMES NEW TWIA BOARD MEMBER

USTIN â&#x20AC;&#x201C; Commissioner of Insurance David Mattax has appointed Deborah King to the Board of Directors of the Texas Windstorm Insurance Association (TWIA).

counties, three members who live at least 100 miles from the coast, and three insurance industry representatives who write and renew windstorm and hail insurance along the Gulf Coast. King replaces the late Ronald Lawson, who also King of Highland Village is vice worked at Republic. president and chief actuary at Republic Underwriters Insurance Company. She has 25 years of experience as an actuary, much of it pricing property in areas prone to catastrophe. She has degrees from the University of Southern California and Cal State University.

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SAY WHAT? Notable Quotes You May Have Missed!

Lunatic Left Alive & Well In Missouri

“

Hey who wants to help me get this reporter out of here? I need some muscle over here!” Melissa Click, a red-faced professor of Mass Media at the University of Missouri after demanding that a student journalist forsake his 1st Amendment rights and leave the precious snowflake protester’s “safe space.” According to Gwaker.com, “just a few days before she was demanding that reporters stop reporting, Click had posted on her Facebook page hoping to get her message “into the national media.” After the clip made the national news, Click resigned her assistant journalism post, while Missouri police mull pressing assault charges against the crazed Progressive.

Carly Smacks The Donald

“

Donald, sorry, I’ve got to interrupt again. You would know something about pathological. How was that meeting with Putin? Or Wharton? Or your self-funded campaign? Anyone can turn a multi-million dollar inheritance into more money, but all

the money in the world won’t make you as smart as Ben Carson.” Presidential candidate Carly Fiorina’s clever rejoinder on fellow candidate Donald Trump’s vicious attack on his chief rival, a third candidate, Dr. Ben Carson. In his autobiography, Carson had self-defined his coming-of-age struggles as a teenager in Detroit 50 years ago as “pathological.” Trump twisted Carson’s words and made an unfortunate (and inaccurate) extrapolation of the word “pathological” in a comparison to a child molester. The net result of Trump’s very unpresidential rant seemed to equate Carson to an unresolved pedophile. Trump was widely panned by the other candidates for his crude remarks, but as usual, his poll ranking have not seen a drop.

Bernie Gone Wild

“

Climate change is directly related to the growth of terrorism. And if we do not get our act together and listen to what the scientists say, you’re going to see countries all over the world — this is what the CIA says — they’re going to be struggling over limited amounts of water, limited amounts of land to grow their crops, and you’re going to see all kinds of international conflict.” Presidential candidate Bernie Sanders, when asked at the second Democrat debate by moderator John Dickerson if he still thought, in the wake of the Paris terrorist attack, the worst threat facing our country was climate change. Who knew the Islamic fanatic terrorists only

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wanted a little water and corn? Newsflash: Is the climate changing? Probably. Has been for 4.5 billion years and will continue for another 5 billion years until the Sun burns out. Is it getting worse? There has been no detectable warming for the past 17-18 years. Many scientists not on the government grant gravy-train have called it more religion than science. Why are Progressives like Sanders and Clinton so enamored with global warming/climate change? Important: Climate Change is the best vehicle Liberals could ever imagine to advance their anti-corporate, anti-capitalist, anti-industrialist, anti-American, pro-global wealthtransference agenda. The Climate Change initiatives, all designed to exponentially grow government, diminish the individual, and pass American wealth to third-world countries are a Progressive wet dream. Don’t be the last one to figure this out!

What? The Last Thing Obama Wants Is “Some Notion of American Leadership?”

“

16th arrogantly responding to Republican critics on his anti-terrorism strategy, or the lack thereof, when just hours before the Paris attack Mr. Obama referred to ISIS as “contained.” While we probably should not have expected much more from a South Chicago community aggitator now foolishly made Commander-inChief of the most powerful military machine that has ever existed, columnist Wesley Pruden of the Washington Times has this to say on the subject of Mr. Obama’s “leadership:” “We’ve never had a president so eager to run from the responsibilities of leadership. He promised to lead from behind, where malingerers and summer soldiers collect to search for the road that leads over the hill. The president took advantage of a lull in the battle to announce that the Islamic State, or ISIS, had been “contained,” and only hours later the assassins of ISIS slipped out of the containment to shoot up Paris.”

“Safe Space” Hypocrites

“

The last thing these students want is diversity. They may want superficial diversity, because for them diversity is a code word for ‘more of us.’ They don’t want more conservatives, they don’t want more white students, they don’t want more heterosexuals. These are students who want safe spaces for themselves but not for others. They’re prepared to spit on people going out of lectures.”

What I’m not interested in doing is posing or pursuing some notion of American leadership, or American winning or whatever other slogans they come up with, that has no relationship to what actually is going to work to protect the American people” and Famed Harvard professor Alan Dershowitz America’s allies. I’m too busy for that.” commenting in an interview with Business Insider on foolish, self-important college Too busy? Tee time near Mr. President? The quote students protesting just about everything on was thin-skinned Mr. Obama on November campuses around the country. www.underwritersinsider.com

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TICKLE-ME-ELMO VS 2500HP JET ENGINE Crazies At Powermodz Just Happen To Have A Big Jet Engine Strapped To The Back Of A Truck & Want To See If Elmo Survives The Jet Blast!

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KIM KOMANDO In fact, you should secure your Wi-Fi network no matter what. There are too many horror stories of criminals or perverts using someone else’s Wi-Fi in hacking attacks or trading illegal images. As the owner of the Wi-Fi, you’re going to have to straighten things out with the police, and it won’t be fun.

connection on your Wi-Fi, and your Internet is still slow, then you’ll need to do more troubleshooting. Test your Internet speed to see if it matches the speed that you’re paying for. Try running the speed test a few times with your computer both plugged directly into the router and over Wi-Fi. If your Wi-Fi speed is way slower than your Internet speed, disconnect all but one of your gadgets and try it again. It could be that you have too many and they’re bogging down the network. If that’s the case, you might need to upgrade your router to a newer model that can handle more traffic.

JOSEPH P. LACHER JR. HAS JOINED KEMPER AS PRESIDENT CEO

s Donald G. Southwell retires as president & CEO, Joseph P. Lacher, formerly of Allstate Protection & Travelers will be filling his seat. Southwell is expected to serve as senior If your network is already advisor to the company until encrypted, and someone still his full retirement on May snuck on, change your password Otherwise, call your Internet 26, 2016. immediately. Then, keep an eye on things to see if they manage to get on again.

provider and express your concerns. You might be due for a modem upgrade or there could be another problem on the line. If you do need a modem upgrade, learn a handy buying trick that can save you money in the long run.

If they do, it’s possible they got into your router and set up a backdoor. Reset your router to factory settings (check your manual for instructions) then set it up again from scratch. That means Copyright 2015, WestStar changing the default password, Multimedia Entertainment. All enabling encryption, picking a rights reserved. new SSID and turning off any remote management features. On the Kim Komando Show, the nation’s largest weekend radio talk Note: If you change your show, Kim takes calls and dispenses encryption password, you will advice on today’s digital lifestyle, need to update the password on from smartphones and tablets to all your gadgets before they can online privacy and data hacks. For connect again. her daily tips, free newsletters and more, visit her website at Komando. Other causes of a slowdown com. Kim also posts breaking tech If you go through these steps news 24/7 at News.Komando.com. and don’t see an unauthorized 38

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FLORIDA TAX PREPARER TO SERVE 30 MONTHS FOR FILING FALSE RETURNS FOR HIMSELF AND HIS CLIENTS

Port St. Lucie resident was income and deduction figures. sentenced to 30 months Baptiste claimed deductions and in prison, credits for items followed by one year that he knew the of supervised release taxpayers were not for preparing false entitled to take tax returns for himself including, false and his clients. The Schedule C items defendant was also and false Earned ordered to pay joint Income Credits, and several restitution Additional Child in the amount of Tax Credits, and $558,000. First Time Home Buyer Credits. Wifredo A. Ferrer, U.S. Jean Pedro Jean Baptiste, 55 Baptiste failed Attorney for the Southern District to review the tax returns in of Florida, and Kelly R. Jackson, detail with his clients and then Special Agent in Charge, Internal electronically filed them for the Revenue Service, Criminal taxpayers. Investigation (IRS-CI), made the announcement. Baptiste also filed false Form 1040 income tax returns for himself for Jean Pedro Jean Baptiste, 55, tax years 2008 and 2009. The 2008 previously pled guilty to two tax return falsely claimed a First counts of filing false tax returns, in Time Home Buyer Credit, and the violation of Title 26, United States 2009 tax return falsely claimed Code, Section 7206(1), and four an Additional Child Tax Credit, an counts of assisting in filing false Earned Income Credit, and falsely tax returns, in violation of Title stated Schedule C income, gross 26, United States Code, Section receipts and sales. As a result, 7206(2). Baptiste received an inflated and unmerited tax refund payment. According to court documents, Baptiste was a paid tax return The total loss to the United States preparer who owned and is approximately $558,000. operated JP and Sons Enterprises in Delray Beach, Florida. For tax The industrious Mr. Baptiste was years 2008 and 2009, Baptiste also arrested in 2011, along with prepared individual income tax a compatriot, Alex Byron Little, returns for customers using false both licensed real estate brokers www.underwritersinsider.com

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at the time, and charged with four counts of fraud of at least $50,000, and one count of white collar crime against the elderly of at least $50,000. At the time of that arrest, the very-busy Baptiste was out on probation for running an illegal lottery out of his convenience store on Orange Avenue in Fort Pierce. The pair were allegedly running mortage scams on Haitian immigrants - some of whom were illiterate or financially naive. According to a Palm Beach Post Times article at the time, “The two men are alleged to have created fake property transactions and mortgages in the homeowners’ names, then let the properties fall into foreclosure, costing legitimate lending institutions millions of dollars, police said.” The Insider could find no record of Baptiste’s conviction or sentencing in that incident, but he was apparently free and on the outside preparing tax returns.

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OBAMACARE is not the miracle plan, not the panacea, nor even a quick-fix, to the terrible problems the Democrats and the Republicans refused to address in matters concerning the Uninsured and the Underinsured in previous years. It is a disaster on wheels. This Trainwreck is on its way to a disastrous crash at the end of the tracks, if the first Congress after the 2016 General Elections, which meets in 2017 doesn’t address these problems and fix this law. Oh, why the 2017 you ask, instead of 2016? Simple. Barack Obama, who crafted this poorly made law, has made clear that no matter what amendments to this law the 2016 Congress presents and passes, he will veto the changes. No, it is not the GOP that has proven intractable and refuses to move legislation forward, it is the Democrats in the Senate, as when Harry Reid said that he would not allow a single GOP bill to reach the floor of the Senate for a vote, and now Obama himself who has made crystal clear that the Congress need not waste its time. Mr. Obama continues to believe that he knows better than all of America, what is best for US(A). A final note: To those who complain that these articles have a far too political tone to them, of 40

course they do! Barack Obama and the Democratic Members of Congress, since Obama’s first day in office, made it abundantly clear that this would be all about politics. They set the rules, and any who now complain that politics shouldn’t be a part of these discussions would have far more credibility had they taken that stance right after the 2009 Inauguration and the first public announcements by president Obama of the intransigence that they intended to present. Now this is all about politics, and the losers are the American Insurance Consuming Public. Let us hope that the 2017 first Congressional Session will see a bi-partisan effort to address the important changes needed to make the UnACA, the ACA.

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