#fire loss of profit insurance

[simply-ivanka]

Letitia James Turns the Screws on Trump

The inflated $464 million bond required to appeal effectively denies him due process.

By The Editorial Board

Wall Street Journal

March 18, 2024 

New York Attorney General Letitia James’s use of lawfare to take down Donald Trump is getting uglier by the day. She is now threatening to seize the former President’s assets after effectively denying him the ability to appeal the grossly inflated civil-fraud judgment against him.

Mr. Trump’s lawyers wrote Monday in a court filing that they’ve been unable to obtain a bond to guarantee last month’s $464 million judgment. Defendants are required to post bonds to appeal verdicts. Mr. Trump’s lawyers say securing the full bond would be “impossible” since most of his assets are illiquid.

One way to satisfy the bond would be to borrow against his real-estate holdings. But Mr. Trump’s lawyers say that only a handful of insurance companies have “both the financial capability and willingness to underwrite a bond of this magnitude,” and “the vast majority are unwilling to accept the risk associated with such a large bond.”

What’s more, his lawyers say that none of the insurers that Mr. Trump’s team approached “are willing to accept hard assets such as real estate as collateral for appeal bonds.” This isn’t surprising given the recent write-downs in commercial real estate and enormous uncertainty about their valuations, especially in places like New York. Insurers may also fear Ms. James’s legal retribution if they provide the bond to Mr. Trump.

Thus in order to appeal the judgment, Mr. Trump could have to unload property in a fire sale. If he were later to win on appeal, his lawyers rightly argue that he would have suffered an enormous, irreparable loss.

Ms. James no doubt knows she has Mr. Trump in a bind. She and courts have opposed his requests to reduce the bond even though a court-appointed independent monitor overseeing his businesses eliminates the risk he could dispose of or transfer his assets to make the judgment harder for the state to enforce.

As we wrote last month, the judgment is overkill. None of Mr. Trump’s business partners lost money lending to him or claimed to have been deceived by his erroneous financial statements. No witness during the trial said his alleged misrepresentations changed its loan terms or prices, and there was no evidence that he profited from his alleged deceptions.

Nonetheless, state trial judge Arthur Engoron ordered him to “disgorge” $355 million in “ill-gotten gains.” This sum was based on the interest-rate savings that a financial expert retained by Ms. James estimated Mr. Trump netted from his legerdemain. But this calculation seems dubious since banks said they didn’t alter their loan terms.

The judge also tacked on profits that Mr. Trump putatively made on properties for which he submitted false financial statements without demonstrating that the latter enable the former. He also added “pre-judgment interest” dating back to the day Ms. James launched her investigation in 2019. This makes Mr. Trump liable for alleged wrongdoings before he was even charged. All of this provides plausible grounds for appeal.

Whatever his transgressions, defendants are entitled to due process, which includes the right to appeal. Ms. James is trying to short-circuit the justice system to get Mr. Trump, as she promised she would during her 2018 campaign. Anyone who does business in New York ought to worry about how Ms. James could likewise twist the screws on them.

[metalheadsforblacklivesmatter]

Investors and real estate agents eager to capitalize on the catastrophic Maui wildfires have reportedly been calling affected landowners with speculative offers.

Mmm, capitalism.

Imagine your house burning down. Maybe you're mourning the loss of someone in the fires. Maybe you're just mourning that you lost everything.

And you lost everything. Your family photos. Your heirlooms. Everything.

And some investor calls like "Sorry about the you lost everything and probably can't afford a new place thing, especially with the fact that there's no houses to buy because they all burned and insurance doesn't like to pay up. But can I buy your land? I know you'll sell it cheap because you're desperate and I gotta buy it cheap to make a huge profit when I build hotels on it."

-fae

[tired-stressed-trying-my-best]

You know what? I'm not done with this, actually.

This (totally unsourced) graphic is talking about revenue. And there's an extremely important thing to understand about revenue:

REVENUE =/= PROFIT.

Revenue, also called sales, is gross income. It's the amount of money earned without taking into account operating costs.

Let's use McDonald's as an example. According to this post, it earns $1 billion in revenue in 14 days. But in order to figure out how much profit it made, we need to ask a few questions:

How much money did it take to buy all the ingredients needed to make the products they sold in those 14 days?

How much money did it take to transport the ingredients to the restaurants? (money for gas, for the drivers, for the vehicle insurance)

How much of that $1 billion is taken away in taxes?

How much of that $1 billion is spent paying the workers?

How much of that $1 billion is spent paying the water bills?

How much of that $1 billion is spent paying the electricity bills?

How much of that $1 billion is spent repairing or replacing broken equipment?

How much is spent on fire insurance? On cleaning supplies? On server upkeep and tech support for the website and the app?

There are more operating costs, but hopefully you've gotten the idea by now.

$1 billion in revenue does not mean $1 billion in profit. As a matter of fact, if things went especially poorly, McDonald's could take in $1 billion in revenue over the course of 14 days, and still end up with a net loss over that same period of time.

(Incidentally, 30 states [+DC, Guam, Puerto Rico, and the Virgin Islands] have a minimum wage higher than the federal minimum wage. For CA, CT, DC, MA, MD, NJ, NY, OR, and WA, the minimum wage is more than double the federal minimum wage.)

(This post brought to you by the "stop massively oversimplifying things to push an agenda" group.)

(Also here is a source for the state minimum wage information, and a source for my previous assertion that the US government spends $1 billion every 90 minutes.)

[continentaladjusters]

How Public Adjusters in Louisiana Help Maximize Your Insurance Claims

When disaster strikes, dealing with insurance claims can feel overwhelming. Between confusing policy language and frustrating back-and-forth negotiations, many homeowners and business owners settle for less than they deserve. That’s where a Louisiana Public Adjuster comes in—to make sure you get the payout you’re entitled to.

Understanding the Role of a Public Adjuster

A public adjuster is a licensed professional who works on behalf of policyholders—not the insurance company. They assess property damage, document losses, and negotiate with insurance providers to secure a fair settlement. Unlike company adjusters, who aim to save the insurer money, a Louisiana Public Adjuster focuses solely on your best interests.

Why Insurance Companies Undervalue Claims

It’s no secret that insurance companies are in business to make a profit. This often means they look for ways to minimize claim payouts. They might argue that damages were pre-existing, undervalue the cost of repairs, or delay the process to wear policyholders down. Without an advocate, it’s easy to accept a lowball offer out of frustration.

How a Public Adjuster Maximizes Your Settlement

A public adjuster brings expertise, ensuring every detail of your loss is accounted for. They conduct a thorough inspection, gather evidence, and present a well-documented claim to your insurance provider. Because they understand policy language and negotiation tactics, they can often secure significantly higher settlements than policyholders could on their own.

When to Hire a Public Adjuster

Not every claim requires a public adjuster, but if you’re dealing with:

Severe storm, flood, or fire damage

A denied or underpaid claim

A complicated or large-scale loss

An insurance company dragging its feet

Then, hiring a Louisiana Public Adjuster could be a game-changer. Their expertise can save you time, stress, and thousands of dollars in lost compensation.

Final Thoughts

Filing an insurance claim shouldn’t feel like an uphill battle, but for many policyholders, it is. A public adjuster levels the playing field, ensuring you receive the full benefits outlined in your policy. If you ever find yourself struggling with an insurance company, consider getting professional help—you’ll likely be glad you did.

[insurify]

How Mining Insurance Shields Your Business From Disaster (And Why You Can’t Afford to Skip It)

Let’s face it: mining isn’t for the faint of heart. Between Mother Nature’s curveballs and the chaos of heavy machinery, disaster can strike when you least expect it. But here’s the good news—mining insurance isn’t just a safety net. It’s your financial lifeline when things go sideways. Think of it like a seatbelt for your balance sheet. In this guide, we’ll break down how the right insurance strategy can turn worst-case scenarios into manageable hiccups.

The Risks Lurking in Every Mine (Yes, Even Yours)

Mining’s a high-stakes game. One minute you’re on track for record output; the next, a landslide or equipment meltdown sends your plans up in smoke. And it’s not just natural disasters you’re up against. Ever had a rookie operator accidentally drill into a gas line? Or watched market prices nosedive overnight? These risks don’t just threaten safety—they can bankrupt unprepared operations.

Nature’s Fury: More Than Just Bad Weather Even if your site’s not in earthquake alley, don’t get too comfortable. Flash floods can drown machinery in hours. A freak heatwave might warp rails. Heck, I’ve seen a “minor” landslide in Western Australia delay a project for six months. The fix? Know your terrain like the back of your hand and prep like a doomsday prepper.

Human Error: The Silent Budget-Killer Here’s an open secret: most mining disasters start with a simple mistake. A skipped maintenance check. A misread safety protocol. One client learned this the hard way when a rusty conveyor belt snapped, costing them $2M in downtime. Rigorous training isn’t optional—it’s what keeps your crew alive and your profit margins intact.

How Insurance Turns Disasters Into Speed Bumps

Picture this: A flash flood wrecks your drill site. Without coverage, you’re staring at months of lost income and repair bills that’d make Scrooge McDuck sweat. But with smart insurance? You’re back on your feet before the mud dries. Here’s the breakdown:

Your Insurance Toolkit

Coverage Type

Why It Matters

Property Insurance

Covers everything from flooded excavators to lightning-fried control panels

Business Interruption

Pays the bills when operations grind to a halt (yes, even worker salaries)

Liability Shield

When a third party sues over damages, this keeps you out of court

Worker Safety Net

Covers medical costs if someone gets hurt—because OSHA fines are no joke

Environmental Backup

Spills happen. This cleans up messes before regulators come knocking

Pro tip: Mix and match these like a insurance bartender. A Queensland coal operation we worked with dodged $5M in losses by bundling equipment coverage with a business interruption rider.

Picking Your Policy: 5 Make-or-Break Factors

Location, Location, Location Mining in flood-prone Indonesia? Skip earthquake coverage. Digging in Chile’s copper belt? Seismic insurance isn’t optional—it’s survival.

Size Matters A family-run opal mine needs different coverage than a multinational lithium giant. Don’t pay for coverage you’ll never use.

Reputation Roulette Always vet insurers like you’re hiring a CFO. One client learned this the hard way when their “cheap” provider took 18 months to pay a claim.

Fine Print Frenzy That “all-risk” policy? It probably excludes cyberattacks. Get every exclusion in writing.

Stay Nimble Found a new mineral deposit? Expanded to a riskier region? Update your policy faster than a TikTok trend.

Disaster-Proofing 101: Beyond the Policy

Risk Audits: Your Crystal Ball Before buying coverage, play detective. Map every possible threat—yes, even that “1-in-100-year” flood. A gold mine in South Africa avoided total collapse by spotting unstable bedrock during their audit.

Emergency Drills That Don’t Suck Forget boring fire drills. Run realistic scenarios:

“Chemical spill at 3 AM during monsoon season”

“Cave-in with 50 workers underground” Debrief over beers. It works.

Community Hacks Local tribes blocked your access road last quarter? Maybe because you didn’t include them in safety planning. One Papua New Guinea mine now shares real-time hazard alerts with villages. Result? Zero protests this year.

When Your Policy Needs a Checkup

Insurance isn’t “set and forget.” That policy from 2019? It’s probably missing:

Cyber Extortion Coverage (ransomware loves industrial controls)

Climate Change Riders (hello, unprecedented storms)

Supply Chain Meltdowns (COVID taught us all that lesson)

Do this every 6 months:

Compare claims against coverage

Grill your broker about new risks

Adjust deductibles like you’re tuning a rig

The Bottom Line

Here’s the truth miners won’t tell you: Insurance isn’t a cost—it’s profit protection. That $50K annual premium? It’s cheap compared to a single uninsured disaster. The smartest operations treat coverage like their best drill bit: always sharp, regularly upgraded, and ready to punch through chaos.

[starseedfxofficial]

Inflation Rate + Hedging Strategies: The Insider's Guide to Staying Ahead Inflation: the stealthy ninja that silently chips away at your buying power. Hedging: your counter-ninja move that ensures your portfolio doesn’t end up looking like a clearance bin. Put them together, and you have the ultimate Forex strategy that can keep your trades profitable and your nerves intact—even when the economy plays hardball. Let’s dive into this dynamic duo with a fresh lens, uncovering the advanced, lesser-known tactics that top traders use to hedge against inflation while making profitable moves in the Forex market. Inflation: The Market’s Mischief Maker Inflation isn’t just the “monster under the bed” of the economy—it’s the full-blown plot twist that makes prices skyrocket and purchasing power plummet. In the Forex market, inflation data acts as a double-edged sword. While high inflation can weaken a currency, it also creates lucrative opportunities for traders who know how to hedge effectively. A quick example: When inflation surged in Turkey, the Turkish lira depreciated significantly. Savvy Forex traders who anticipated this moved into USD/TRY pairs, profiting handsomely from the chaos. Pro tip: Keep an eye on the inflation rates published by central banks or reputable sources like the Bank for International Settlements (BIS). Changes in these rates can signal upcoming market volatility—a playground for the prepared trader. Why Hedging is Like Buying Fire Insurance (But Way More Fun) Imagine this: You buy a gorgeous villa, only to forget fire insurance. One rogue spark, and poof—your investment’s up in smoke. Hedging in Forex is your fire insurance. It’s the safety net that minimizes risk when unpredictable economic forces, like inflation, threaten your portfolio. Here’s how it works: - Currency Pairs as Shields: Pairing currencies like the USD and CHF (a known safe haven) can act as your hedge against inflation-driven market swings. - Forward Contracts: Lock in exchange rates for future transactions, eliminating the uncertainty of inflation eroding your buying power. - Options Trading: By purchasing options, you’re essentially buying the right (not the obligation) to exchange currency at a pre-determined rate—a powerful tool during inflationary spikes. Pro insight: During times of high inflation, avoid putting all your eggs in one basket. Diversify across multiple pairs and regions to mitigate localized risks. Unheard-Of Ninja Tactics for Hedging Against Inflation Now that we’ve covered the basics, let’s look at the unconventional methods only seasoned traders know: 1. Basket Trades for Buffering Risks Rather than trading a single currency pair, create a “basket” of correlated currencies. For example: - Long USD/JPY - Short GBP/USD This technique leverages relative inflationary trends across regions to balance your risks. Think of it as a seesaw where gains from one pair offset potential losses from another. 2. Interest Rate Differentials (Carry Trades) Inflation often leads to interest rate hikes by central banks. Savvy traders exploit this through carry trades: - Borrow a low-interest-rate currency like the Japanese yen. - Invest in a high-interest-rate currency like the Australian dollar. Not only do you earn from the exchange rate movement, but you also pocket the interest rate differential. It’s like earning double rewards points on your credit card. 3. Commodities as Inflation Hedges Currencies like the Canadian dollar and Australian dollar are closely tied to commodities like oil and gold. When inflation rises, commodities often gain value, making these currencies stronger. Use this correlation to hedge against inflation-driven currency devaluation. Case Study: How the Pros Did It In 2022, with inflation skyrocketing globally, the Federal Reserve’s aggressive rate hikes sent shockwaves through the Forex market. While many retail traders panicked, seasoned pros capitalized: - They went long on USD/JPY, benefiting from the Fed’s rate hikes strengthening the dollar against a relatively stable yen. - Simultaneously, they hedged by shorting EUR/USD, anticipating the Eurozone’s slower response to inflation. The result? Stellar returns despite market volatility. What you can learn: By staying informed about inflation trends and central bank policies, you can emulate these strategies in your own trading. Why Most Traders Get It Wrong (And How to Avoid It) Most traders make two fatal errors when hedging against inflation: - Over-Leveraging: The temptation to chase high returns often leads to excessive risk. A sudden market swing can wipe out your account faster than you can say “margin call.” - Ignoring Correlations: Many traders focus solely on one currency pair, ignoring how inflation affects broader market dynamics. For instance, rising inflation in the U.S. often strengthens the USD against weaker economies but can have the opposite effect against commodity-rich currencies. Avoid the pitfalls: Keep leverage low, and always consider cross-market correlations before placing trades. Elite Tactics for Inflation-Proof Trading - Data Mastery: Stay updated on inflation rates and CPI reports via reputable sources like Bloomberg and ForexFactory. - Dynamic Position Sizing: Adjust your position sizes based on market volatility and inflation trends. - Automated Alerts: Use platforms with automated alerts to notify you of inflation-related market shifts. Wrapping It Up: Inflation Doesn’t Have to Be Your Kryptonite Inflation may be an economic headache, but with the right hedging strategies, it can be your ticket to profitability. By combining humor, empathy, and expert-level tactics, you can not only survive but thrive in inflation-driven Forex markets. So, the next time inflation rears its ugly head, remember: it’s not the monster under your bed—it’s the plot twist that makes your Forex journey all the more exciting. —————– Image Credits: Cover image at the top is AI-generated Read the full article

[accessible-tumbling]

ID: 3 bluesky post by Qasim Rashid, Esq. (@qasimrashid.com) shared December 4, 2024 at 5:43 PM: While making tens of billions in profit, UnitedHealth fired its intake team & enacted faulty AI tech to process claims. It rejected more than 90% of claims for senior citizens, resulting in several deaths b/c elders didn't get the critical meds they needed. Just thought I'd share for no reason.

If you're more upset at snarky comments about the killing of a wealthy CEO than are about America's for profit health insurance system ensuring a preventable death every 7.5 minutes—i.e. 70,000 people a year, every year—then you'll have to stop pretending your outrage is about the loss of human life.

No, I don't think violently killing CEOs is the answer. I do think it's outrageous & disgusting that 70,000 Americans die preventable deaths annually because health insurance mega corps prioritize profits over healthcare & we don't acknowledge that as violent. Thanks for coming to my Ted Talk.

The fourth image is large text that just says, "Exactly this." end ID.

[wilsondavalosnieves]

Wildfires Worsen Insurance Crisis

Wildfires Worsen Insurance Crisis

The insurance crisis in California isn't just about wildfires - it's about systemic failure. While climate change drives the flames, our institutions are fanning the fire through short-sighted policies and profit-driven decisions.

Consider this: 13 of California's 20 most destructive wildfires have occurred since 2017. Insurance companies responded by increasing premiums 61% in high-risk areas and refusing to renew policies. But here's the kicker - they're still losing money. This isn't sustainable for anyone.

The real tragedy lies in the solutions we're ignoring. Studies show forest thinning and prescribed burns could reduce insurance losses by 40-60%. Yet we're not investing in these proven methods at scale. Instead, we're stuck in a cycle of reactionary policies that protect corporate profits over community resilience.

"The FIRE Act would require underwriting models to account for wildfire mitigation," says Senator Becker.

This is a start, but it's not enough. We need to fundamentally rethink how we approach risk in the age of climate change. The current system incentivizes short-term profits over long-term sustainability. Insurance companies pull out of high-risk areas, leaving homeowners stranded. Utilities pass wildfire costs onto ratepayers. And the cycle continues.

The proposed catastrophe models that account for climate change are a step forward. But they're still focused on managing risk rather than reducing it. We need policies that invest in prevention, not just protection.

Here's the hard truth: if we don't address the root causes of this crisis - both environmental and economic - we're looking at a future where entire communities become uninsurable. The time for half-measures is over. We need bold action that prioritizes people over profits and prevention over reaction. Anything less is just rearranging deck chairs on a burning ship.

[isubright]

Facts About BOP Insurance in Columbus and Greensburg, IN

Embarking on a business is not easy. The idea of making huge profits when doing something one loves is too appealing to resist. Sadly, every business has its ups and downs. Moreover, there are many risks to overcome when traversing the path. The best way to remain financially secure when facing head-on challenges is to consider being covered by BOP insurance in Columbus and Greensburg, IN. ​ BOP is an acronym for Business Owner's Policy. The policy combines three distinct types of insurance coverage often required for business entities to counter sudden financial hardship. The inclusions are as follows: -

· General Liability- This type of coverage is handy for business owners who face liability claims from third parties. The insurance company compensates them for bodily injury and/or property damage. The carrier also pays the legal expenses for the insured business.

· Commercial Property- Every item the business possesses, from equipment, furniture, stationary, storage items, and other contents, is protected against damage, theft, vandalism, and fire.

· Business Interruption- The insurance carrier will pay for loss of income when the business is closed due to unforeseen or uncontrollable events such as natural disasters or a fire. This temporary coverage remains in force until the business is revived and operating again.

Small business owners are pleased to have three essential coverage options combined. This is also cost-effective, as opposed to going for each of them individually. Unfortunately, the business risks are not limited to the three types of risk factors. The business owner should check the extent of risks and add other coverage to the BOP to remain well-protected. Some of the most popular extras to be added to the traditional BOP include the following: - ​ · Workers' Compensation Insurance- This is a mandatory coverage that the business owner must carry to help employees injured or falling ill when doing their assigned jobs.

· Professional Liability Insurance- Any claims for causing financial loss due to mistakes and negligence make the business owner liable. This coverage pays compensation to the claimant even if the claim is not proven to be true.

· Commercial Auto Insurance- This is a crucial coverage to buy when the business uses one or more vehicles to run the business properly.

· Data Breach Insurance- There is no company that does not use technology today. It is essential to be on guard by being covered by data breaches or cyber liability. The coverage helps to keep the business protected from technology-related risks regardless of the industry the insured business belongs to.

One may also consider minimizing the risks even more by buying Commercial Umbrella Insurance, which can enhance liability coverage when the existing coverage is maxed out. Big and small businesses can thrive by being well-protected with well-designed BOP insurance in Columbus and Greensburg, IN. 

[beesandwasps]

In other words: the UK is actually getting close to real revolution, despite anything said to the contrary.

Every real revolution — successful or not — comes about because there is a large chunk of the population for whom the risk of dying in an uprising is no worse than their day-to-day conditions. (Which is to say: the root of every real revolution is economic, whether we want to admit it or not.) High-minded moralists have tried to organize revolutions over ethical objections to the ruling class when there are no economic problems for the populace at large; this never works.

If the UK has reached a point where people are saying “we should completely abolish a major sector of the economy* which is also tied directly to our system of government at the deepest possible level**” it means that the economics of the situation are getting dire enough to inspire real fighting.

*The FIRE sector of the economy — that’s Finance, Insurance, and Real Estate — is enormous in the UK. At its peak it was, IIRC, around twenty percent of the whole, and even though the UK has taken massive losses in the finance and insurance categories as business moves to Europe to continue trading in the much larger EU bloc without red tape thanks to the enormous own-goal which was Brexit, it’s still an enormous chunk of the UK’s economy. To put that in perspective: there are respectable economists — insofar as economists are ever respectable — who say that it is actually dangerous to the public for more than five percent of the economy to be in the FIRE sector.

**The British monarchy and upper nobility are massive landowners; the Crown Estate (which is not exactly the Royal Family, because George III turned over management of it to a government trust in exchange for not being held responsible for his debts, and the royals just get an annual payment from the profits) directly owns more than 1% of all the land in the UK, and has rights to/interests in something like 8 percent more, as well as owning vast amounts of the offshore coast. The richer nobility own holdings of similar size. Since the entire British Parliamentary government is, ultimately, founded on the monarchy, literally the land lords, even if the legislative power is now theoretically democratic, abolishing landlords would strike very deeply at the whole system.

I can't quite convey how shocking it is to see a mainstream British newspaper publish an article like this. quoting Karl Marx and essentially calling for a rebellion against landlords - this is one of the most radical things I've ever seen a British newspaper publish, and this is a newspaper sold in shops. you'd expect this in an obscure news outlet that nobody really knows about, not the guardian. they snapped. this is beautiful.

[dkaufmandevelopment]

Disaster Recovery and Real Estate: How Wildfire Rebuilding Efforts Present Opportunities for Developers

The recent wildfires in Southern California have left devastation in their wake—destroying homes, displacing tens of thousands, and causing an estimated $250 billion to $275 billion in damage, making this the most expensive wildfire in U.S. history. While the loss is staggering, the rebuilding process is already beginning, and with it comes significant opportunities for real estate developers, investors, and contractors.

As federal and state governments allocate resources for recovery, developers and disaster recovery specialists are poised to play a critical role in shaping the future of Los Angeles. The rebuilding effort will be massive, requiring not just immediate repairs but long-term infrastructure improvements. For those in the real estate and development industries, understanding the scope of this opportunity is key to making a meaningful impact while building a profitable future.

A Surge in Demand for Disaster Recovery Contractors

Leading construction firms like Jacobs, AECOM, and Quanta Services are already stepping in to manage critical recovery efforts. These companies hold significant contracts with the Federal Emergency Management Agency (FEMA) to repair infrastructure, remove debris, and rebuild disaster-damaged facilities.

For example, AECOM’s Public Assistance Grant Program focuses on repairing and replacing public infrastructure damaged by disasters, while Jacobs has a $570.5 million hazard mitigation contract with FEMA for rebuilding infrastructure in disaster-prone areas, including California. This type of large-scale coordination will require collaboration across sectors, including private developers, contractors, and public agencies.

In addition to public infrastructure, private real estate developers will be key in addressing the need for housing in areas affected by the wildfires. Developers who are ready to adapt to increased construction demands and shifting regulations will find opportunities to meet the pressing need for high-quality, disaster-resilient housing.

Real Estate Development in a Post-Wildfire Market

The wildfires have not only created an immediate need for rebuilding but have also fundamentally shifted the real estate landscape in Southern California. Developers and investors should consider several key factors:

1. Land Value Shifts: Some areas will see reduced property values due to the destruction, creating opportunities for developers to acquire land at lower prices and rebuild.

2. Insurance Challenges: The withdrawal of major insurers from wildfire-prone areas will push demand for innovative, fire-resistant construction methods to mitigate future risks and attract buyers.

3. Housing Demand: With tens of thousands displaced, rental markets in adjacent, unaffected areas will likely experience a surge in demand, creating opportunities for multifamily and mixed-use developments.

Infrastructure Investments: A Catalyst for Long-Term Growth

Beyond housing, significant investment in infrastructure will transform Southern California’s landscape. Federal support, such as President Joe Biden’s announcement that the federal government will cover 100% of disaster response costs for 180 days, will accelerate projects aimed at modernizing power grids, undergrounding utilities, and building more resilient public facilities.

Companies like Quanta Services, MYR Group, and MasTec, which specialize in electrical grid restoration, will lead efforts to rebuild California’s energy infrastructure. These investments will not only improve safety but also increase the desirability of previously fire-prone areas, opening new opportunities for developers.

Why We’re Committed to Rebuilding

At Kaufman Real Estate, we are deeply committed to helping Southern California recover and rebuild. Having personally experienced the loss of both my home and business due to the wildfires, I know firsthand the challenges that lie ahead. But I also see this as an opportunity to contribute to a stronger, more resilient future.

Our team specializes in innovative, community-focused real estate development that meets the needs of a changing market. We’re actively seeking opportunities to partner with investors, contractors, and local governments to deliver high-quality housing and infrastructure that will help Los Angeles rise from the ashes.

Let’s Build a Better Future Together

The recovery process will take years, but it also presents a unique chance to transform Los Angeles. For developers and investors, this is the time to take action—whether by acquiring land, investing in resilient construction, or collaborating on large-scale infrastructure projects.

If you’re interested in being part of this effort, let’s connect. Visit www.dkaufmandevelopment.com to learn more about our projects, or reach out to us directly at info@dkaufmandevelopment.com

By seizing this opportunity, we can not only recover from this tragedy but also reshape our communities to withstand the challenges of tomorrow. Let’s make an impact—starting now.

[quibblefrost]

Wildfires and Their Impact on India's Financial Markets

Date: January 12, 2025

Wildfires have become a significant environmental concern globally, with their frequency and intensity escalating due to climate change. In India, while traditionally less prone to large-scale wildfires compared to countries like Australia or the United States, recent years have witnessed an uptick in such incidents, particularly in forested regions. These wildfires not only devastate ecosystems but also have far-reaching implications for the economy and financial markets.

Recent Wildfire Incidents in India

In 2024, India experienced several notable wildfires:

Uttarakhand Forest Fires: The Himalayan state faced severe forest fires during the summer months, leading to loss of biodiversity and impacting local communities dependent on forest resources.

Western Ghats Fires: Parts of the Western Ghats, a UNESCO World Heritage site, witnessed unexpected wildfires, raising concerns about the preservation of endemic species.

Economic and Financial Implications

The direct and indirect costs of wildfires can be substantial:

Agricultural Impact: Wildfires can destroy crops, leading to reduced agricultural output, which in turn affects the supply chain and commodity prices.

Insurance Sector: An increase in wildfire incidents can lead to higher claims, impacting the profitability of insurance companies.

Public Health: Smoke and air pollution from wildfires can lead to health issues, increasing public health expenditures and affecting workforce productivity.

Impact on the Indian Stock Market

While the direct impact of wildfires on the stock market may not be immediately apparent, sectors such as agriculture, insurance, and public health can experience fluctuations based on the severity and frequency of such disasters.

Current Political and Economic Sentiments

As of January 2025, India's economic landscape is influenced by several factors:

Slowing Economic Growth: India's GDP growth is projected at 6.4% for the financial year, marking the slowest pace in four years, attributed to weaker manufacturing and corporate investments. (Source)

Stock Market Performance: The BSE Sensex and Nifty 50 indices are trading approximately 10% below their record highs from September 2024, reflecting investor caution. (Source)

Foreign Investment Trends: There has been a significant withdrawal of foreign investments, with over $10 billion pulled out in October 2024. (Source)

Stocks to Watch on Monday, January 13, 2025

Given the current market sentiments, here are some stocks to monitor:

Tata Consultancy Services (TCS)

Recent Performance: TCS has shown resilience, with a 5.6% gain attributed to strong Q3 results.

Key Levels: Support at ₹1,980; resistance at ₹2,000.

Outlook: Positive earnings may drive further gains, but broader market trends could influence performance.

Infosys (INFY)

Recent Performance: Infosys has been among the top gainers in the IT sector.

Key Levels: Support at ₹1,958; resistance at ₹1,980.

Outlook: Strong demand for IT services could bolster stock performance, though market volatility remains a factor.

State Bank of India (SBIN)

Recent Performance: The banking sector has faced challenges, with stocks like IndusInd Bank declining by 4.4%.

Key Levels: Support at ₹480; resistance at ₹500.

Outlook: Banking stocks may experience pressure due to foreign portfolio investor selling, despite anticipated good results.

Conclusion

While wildfires are an emerging concern with potential economic implications, the immediate factors influencing India's financial markets include slowing economic growth, foreign investment trends, and sector-specific performances. Investors should remain vigilant, considering both environmental factors and prevailing economic sentiments when making investment decisions.

[hanxdi]

No water during the wildfires in Cali?? It’s Hawaii all over again! That situation in Maui was so strange and definitely not the result of a natural disaster but rather an intentional failure of human responsibility.

How is it that firefighters were left with no water when fire hydrants ran dry? Maui is known for having one of the world’s best emergency siren systems and you mean to tell me not a single alarm was activated to warn residents of the danger? Communication systems completely failed, leaving residents without any way to call for help or receive evacuation orders. To make things worse imagine schools were closed so many young children were at home without parental supervision and sadly many of them lost their lives in the chaos. Those who did try to escape were met with blocked roads literally trapping people in burning neighborhoods.

Now you’ve got California on fire, and unsurprisingly the pattern is disturbingly familiar—water shortages, blocked roads, power failures, and communication breakdowns. These failures aren’t coincidences but rather a mix of deliberate incompetence and negligence. The delayed government response in both situations was shocking and let’s be real.. nobody taking accountability. perhaps years from now in some declassified document.. talking about how the govt spent millions on conducting investigations and research trying to discern how trees remained untouched by flames, while everything around them was completely incinerated but we don’t need to wait years for an official explanation—we’re witnessing it in real time with our own eyes across so many platforms and despite what we’re being told by the MSM ain’t nothing natural about fires that obliterate homes and vehicles while sparing other objects that logically should have burned.

How calculated does it all sound, knowing that in both Maui and California fire insurance policies had been canceled or non-renewed shortly before the fires broke out? It’s even more of a mindf*ck when you realise these aren’t isolated incidents cause this pattern of suspicious insurance changes takes us back to 9/11 and the last-minute adjustments made to the insurance policies. Then you got Hurricane Katrina where many homeowners had their flood insurance policies canceled or premiums sharply increased right before the floods. It’s so sad cause everyday people bear the brunt of catastrophic losses while insurance companies almost always seem to profit off the situation whilst evading liability.

Mad world we live in and we’re expected to just believe these are simply natural disasters and honestly it wouldn’t be surprising if the mainstream media soon shifts focus to the next story they can politicise once everything settles and shit hits the fan. Well I hope shit hits the fan and people don’t let this go but demand answers

So much chaos in this dunya caused by those who believe in Out of Chaos Comes Order.

FREE PALESTINE 🌹can’t wait to help rebuild Gaza, PALESTINE as a whole God Willing.

[joeraetzer]

10 Ways to Protect Subsidiaries from Piercing the Corporate Veil

Piercing the corporate veil occurs when courts set aside the liability protections of a corporation or limited liability company ("LLC), holding its shareholders, directors or members personally liable for the company's actions or debts. This undermines one of the primary purposes of creating a corporate structure: shielding individuals and parent companies from financial and legal risks. In this article, we’ll explore the concept of piercing the corporate veil, its implications for parent companies and subsidiaries and actionable steps to protect your business from this legal exposure. What Is Piercing the Corporate Veil? When courts pierce the corporate veil, they disregard the legal distinction between a company and its owners, exposing shareholders or parent entities to personal liability. This typically happens when a plaintiff can prove that a company is being used unjustly or fraudulently to shield wrongful conduct or financial mismanagement. While the corporate veil is a critical legal protection, it can be vulnerable in cases where: - A parent company exercises undue control over a subsidiary. - Companies fail to maintain proper separation of operations, finances, or decision-making. - Fraud or injustice would occur without piercing the veil. This issue is most common with privately held businesses or closely related corporate entities, such as parent-subsidiary structures. When Do Courts Pierce the Corporate Veil? Courts are more likely to pierce the corporate veil when: - A parent company dominates the operations of a subsidiary to the extent that the subsidiary lacks independence. - Plaintiffs demonstrate that failing to pierce the veil would result in fraud or injustice. The risk increases if companies do not maintain an arm’s-length relationship between parent and subsidiary entities. This refers to a business arrangement where parties operate as separate, independent entities, even if they share ownership. Overlap in resources, employees, or decision-making can blur this distinction, raising the likelihood of veil-piercing. 10 Steps to Prevent Courts From Piercing the Corporate Veil - Maintain Separate Accounting and Bank Accounts Each entity should have its own payroll, balance sheets and profit-and-loss statements. Loans between entities should be documented with formal agreements to avoid appearances of impropriety. - Ensure Separate Employees and Payroll Avoid sharing employees across entities. Each company should manage its own hiring, firing and payroll to demonstrate operational independence. - Maintain Separate Insurance Policies Each entity should have its own insurance coverage. This demonstrates their distinct legal and operational identities. - Avoid Fraud or Misrepresentation Courts are more likely to pierce the veil when fraud or deceit is involved. Avoid using subsidiaries to shield wrongful actions or liabilities of the parent company. - Properly Capitalize Subsidiaries Subsidiaries must have sufficient financial resources to operate independently. Undercapitalized entities may be viewed as sham operations created to funnel resources to the parent company. - Use Contracts to Define Relationships Draft management service agreements and subcontractor agreements to document shared resources or services between entities. Proper documentation reinforces the separateness of operations. - Separate Boards of Directors and Advisors Each entity should have its own directors or advisors. This minimizes the perception of centralized control by the parent company. - Maintain Appropriate Debt-to-Equity Ratios Ensure that subsidiaries have reasonable and industry-standard financial structures. Payments between companies should serve legitimate business purposes. - Create Distinct Brand Identities Each entity should have its own website, social media accounts, logos, email addresses and marketing materials. Separate branding reinforces their independent operations. - Follow Corporate Formalities and Keep Records Adhere to all organizational rules outlined in bylaws or operating agreements, such as holding annual meetings, keeping minutes, and maintaining clear ownership records. What Happens If the Corporate Veil Is Pierced? If a court pierces the corporate veil, shareholders, members, or the parent company may be held personally liable for the subsidiary’s debts and obligations. This could result in creditors or plaintiffs targeting personal or parent company assets, such as real estate, bank accounts or investments, to satisfy liabilities. Minimizing the Risk of Veil-Piercing While the risk of piercing the corporate veil varies by jurisdiction and specific circumstances, it can be greatly reduced by: - Structuring your entities properly. - Following corporate formalities. - Maintaining distinct operations and financial independence for each company. Consulting with a qualified attorney is essential to ensure that your business complies with corporate governance standards and can withstand challenges to its liability shield. Your lawyer can also help you apply the “arm’s-length” test to guide your practices and identify potential vulnerabilities. By proactively addressing these issues, businesses can protect themselves from personal liability and preserve the integrity of their corporate structure. Raetzer PLLC Read the full article Joseph J Raetzer

[enterprisewired]

Tools for Controlling Risk in Insurance

Source: atlasstudio

Insurance is an important financial medium for protecting an individual, businesses, and governments. Along with its various benefits, there are a few risk factors involved. It can be an asset for you if you learn how to manage and control the risk. There are tools for controlling risk in Insurance which include various strategies, methods, and devices that are built to protect you from potential losses. These tools help reduce incidents leading to claims and also increase profitability and aim for customer satisfaction. In this article, we will explore these tools and how they function along with their importance and role in shaping the future of Insurance.

Understanding Risk in Insurance

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Before diving into the tools for controlling risk in insurance, it’s crucial to grasp what risk entails. In insurance, risk is the potential for an event to cause financial loss. Risks are categorized into:

Pure Risks: These involve only the possibility of loss (e.g., fire or theft).

Speculative Risks: These include the possibility of loss, no change, or gain (e.g., investments).

Insurance companies primarily deal with pure risks, where the goal is to reduce uncertainty and stabilize operations. The tools for controlling risk in insurance play a critical role in ensuring this stability.

Key Tools for Controlling Risk in Insurance

1. Risk Assessment and Analysis

The first step in controlling risk is identifying and analyzing potential threats. Risk assessment tools use statistical models and predictive analytics to evaluate the likelihood and impact of events.

Actuarial Models: Insurers use actuarial science to calculate premiums based on data such as age, location, and health.

Predictive Analytics: AI-driven tools help forecast trends, detect fraud, and predict claims.

For example, health insurers use demographic data to predict chronic illnesses and set premiums accordingly. Such tools for controlling risk in insurance ensure that pricing is fair and reflective of actual risk levels.

2. Risk Pooling

One of the oldest and most effective tools in the insurance industry is risk pooling. By collecting premiums from a large group of policyholders, insurers create a fund to cover the losses of a few.

Spreading Risk: Diversifying policyholders geographically or by demographic helps mitigate localized risks.

Minimizing Losses: Risk pooling ensures that no single catastrophic event depletes the insurer’s resources.

For instance, natural disaster insurance policies often involve pooling funds from regions with varying levels of exposure to disasters.

3. Reinsurance

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Reinsurance is one of the most powerful tools for controlling risk in insurance. It involves transferring some of the risks from an insurance company to a reinsurer.

Catastrophic Risk Mitigation: Reinsurers cover large-scale losses from events like earthquakes or hurricanes.

Capital Efficiency: Reinsurance enables insurers to underwrite more policies without overextending resources.

For example, during the 2011 Japan earthquake, reinsurance companies played a pivotal role in covering the massive claims.

4. Policy Exclusions and Limitations

Insurance contracts often include clauses that limit liability for certain risks. These are essential tools for controlling risk in insurance because they reduce exposure to unmanageable threats.

Exclusions: Certain high-risk activities or events may not be covered (e.g., war or terrorism).

Deductibles: Policyholders are required to pay a portion of the loss, which discourages frivolous claims.

By setting clear terms, insurers ensure that their coverage remains sustainable while protecting their financial health.

5. Technology-Driven Solutions

Technological advancements have introduced cutting-edge tools for controlling risk in insurance. These include:

IoT Devices: Wearables and telematics collect real-time data, helping insurers monitor and manage risks.

Blockchain: Enhances transparency and reduces fraud by securely storing policy and claims data.

AI and Machine Learning: Automate underwriting and detect patterns in claims to predict and mitigate risks.

For example, auto insurers use telematics to assess driving behavior and adjust premiums based on individual risk profiles.

Benefits of Using Tools for Controlling Risk in Insurance

The adoption of these tools offers several advantages to both insurers and policyholders:

Cost Efficiency: Advanced risk management minimizes unnecessary payouts, reducing operational costs.

Enhanced Customer Experience: Tailored premiums and quick claims processing build customer trust and loyalty.

Regulatory Compliance: Many tools help insurers comply with legal standards, avoiding penalties.

Sustainability: Proactive risk management ensures long-term viability in a competitive market.

Challenges in Implementing Risk Control Tools

Despite their effectiveness, deploying tools for controlling risk in insurance isn’t without hurdles.

Data Privacy Concerns: Collecting and analyzing personal data raises ethical and legal issues.

High Initial Costs: Advanced tools like IoT devices or AI systems require significant investment.

Adaptability: Traditional insurers may struggle to integrate modern technologies into existing frameworks.

Unpredictable Risks: Emerging risks like cyberattacks or climate change require continuous innovation.

Overcoming these challenges requires a collaborative effort between insurers, regulators, and technology providers.

Future Trends in Risk Control

The future of tools for controlling risk in insurance lies in innovation and adaptability. Here’s what’s on the horizon:

Personalized Insurance: AI will enable hyper-personalized policies tailored to individual needs.

Climate Risk Modeling: Enhanced models will predict and mitigate risks linked to climate change.

Cyber Risk Management: With rising cyber threats, specialized tools will focus on digital security.

Blockchain Expansion: Greater adoption of blockchain will improve transparency and fraud prevention.

These advancements will redefine how insurers approach risk, making the industry more resilient and customer-focused.

Conclusion

The tools for controlling risk in insurance play a vital role. The two types of methods traditional methods which include risk pooling and reinsurance along with modern technique which includes AI and IoT, are the support systems of the insurance industry. They are helpful in terms of protecting the insurer from catastrophic losses and also offer peace of mind to the policyholder. With time the risk factor has advanced, in that situation these tools come in handy. By adopting these tools and addressing the challenges by implementing these innovative ways, the insurance sector will develop, improve, and guarantee a secure future for generations to come. The continuous use of these tools for controlling risk in insurance will help us build a strong, reasonable, and viable future.

[molsons112000]

Freshman year in college. I worked as I played football so I had to go to work full-time. Student full time football program, working every day as well!!!

University of arizona, I played rugby and I worked also and full time student!!!!

So again, I think your lazy f****** pieces are no good f***** pieces of no good f****** lazy pieces and no good f****** s***!!!!

And everywhere I go, you find a way to terrorize me, because how is it possible everywhere I go now and this is prior 2 2016. Never happened now everywhere I go. People are shaking their legs all the f****** time. How is that possible? It isn't unless it's done intentionally!!!! So like everywhere I go. It seems that cars are always beaming their lights on me. Before now, all the time everywhere I go never before tailgating. Now, all the time tailgating and many the other wrongs constantly against me. So where the f*** is my restitution?Where the f*** is my justice?Where the f*** is my righteousness???????

But everybody else has their f***** hand out and they're looking for their free lunch? Well, I'm out looking for a free lunch. I'm looking for justice and righteousness. Where is my f****** restitutiouston? Where is my restitution?Where is my restitution?????

AI Overview

+2

Monetary restitution is a court-ordered reimbursement for financial losses incurred by a victim of a crime. The purpose of restitution is to compensate victims for the actual costs of the crime, such as lost income, property damage, medical bills, and counseling. Restitution can be a vital part of the healing process for victims, acknowledging their losses and providing a sense of justice.

To receive restitution, the defendant must be convicted of the crime. The judge will then order the defendant to pay the victim an amount that is based on the victim's losses and the benefit to the wrongdoer.

Some examples of restitution include:

Property damage: The cost to repair or replace stolen or damaged property

Medical expenses: Hospital bills, physical therapy, and rehabilitation

Counseling: Counseling for the victim and sometimes their family members

Lost profits: For self-employed victims who are unable to work

Other out-of-pocket expenses: Increased insurance premiums or expenses to correct a victim's credit history

Some losses are not eligible for restitution, such as:

State or federal taxes

Interest, penalties, or fines

Legal expenses

Losses for "pain & suffering"

So again, where is my f****** restitution? Where the f*** is my money and god said, if you don't pay me you burn in the lake of fire you're going to f****** burn?He wants me to get my f****** restitution my justice!!!!!!!!!!!

accountable for the same criminal conduct that results in out-of-pocket expenses, losses, damages, or injuries, each defendant shall be ordered to pay restitution in the amount of the total actual out-of-pocket expenses, losses, damages, or injuries to the victim proximately caused by the conduct of all of the ...

https://www.ilga.gov › ilcs › fulltext

730 ILCS 5/5-5-6 - Illinois General Assembly

https://www.google.com/search?ie=UTF-8&client=ms-android-comcast-us-rvc3&source=android-browser&q=Monetary+restitution+for+crimes+against+an+individual

So again, where is my restitution? Where the f*** is my restitution and a disability policy disability claim isn't restitution. Welfare isn't restitution, so those aren't restitution, so going on social security disability.

Isn't restitution? I've been paying taxes my own Since I was 6 years old, that is just weak payment. That isn't restitution. Restitution is money for imposed damages. That is not restitution, so that is not restitution. Where the f*** is my restitution???. Killing some of these m************ would be a start part of the restitution. Be nice Starting with off with their f****** heads, that's just a start!!!!!

Do you say justice and rice to this? And as the bible shows you many times like sodoman gomorra, it means killing them all that's part of the restitution!!!!!

Isn't that what we did at the trial during World War 2? And yes, we put japanese commanders to death as well.It's just not germany!!!

Stay Putting him to death was just part of the restitution. It was just part of the restitution, so just like you put the death a murderer and then you go after their assets and their state, putting them to death is just part of the restitution, it is not all of the restitution restitution is more than just putting the person. To death, so starting with killing people, that's the start of the restitution!!!

The National WWII Museum | New Orleans

https://www.nationalww2museum.org › ...

Tokyo War Crimes Trial

Eleven countries came together to form the International Military Tribunal for the Far East (IMTFE), convened on April 29, 1946 to try the leaders of Japan ...

History.com

https://www.history.com › japanes...

Japanese war criminals hanged in Tokyo | December 23, 1948

Feb 9, 2010 — In Tokyo, Japan, Hideki Tojo, former Japanese premier and chief of the Kwantung Army, is executed along with six other top Japanese leaders for their war ...

https://www.google.com/search?ie=UTF-8&client=ms-android-comcast-us-rvc3&source=android-browser&q=How+many+japanese+officers+were+put+to+death%3FAfter+world+war+two

So again where is my f****** restitution??????? You say you're just in righteous, then off with their f****** heads and then empty their bank accounts into mine!!!! Isn't that what they do? That's what they did with joe paterno, but he had a heart attack over this dress from that, and then they went after his estate and emptied his estate!!!

See he had a conscience, and it weighed heavily on him. Everybody hurting me. They have no conscience. They walk around holding their heads up. They smile, they act as life is great. But Joe, the stress killed him. It doesn't seem to be killing you m************ As you do wrong to me. Why aren't you dropping f****** dead left and right? From a guilty conscience, that's what Joe did. He had a heart attack and died of a guilty conscience. Guilt is supposed to be weighing on you. Just like judas and he died rightfully so!!!! So i'm waiting!!!!!

CBS News

https://www.cbsnews.com › news

Rest In Peace, Joe Paterno

Jan 24, 2012 — ... heart failure … in 2000. Believing Joe Paterno died of a broken heart is to believe he gave up. What about his family? What about his

https://www.google.com/search?ie=UTF-8&client=ms-android-comcast-us-rvc3&source=android-browser&q=Joe+paternal+thighs+of+heart+attack

PennLive.com

www.pennlive.com

The late Joe Paterno's estate quietly ends civil suit against ...

Jun 30, 2017 — Joe Paterno's estate has ended its four-year-old civil case against the NCAA over harm the family says it suffered from the association's actions against Penn

https://www.google.com/search?client=ms-android-comcast-us-rvc3&sca_esv=dc77d35e499118ec&source=android-browser&q=The+different+civil+suits+against+joe+paterno%27s+estate&spell=1&sa=X&ved=2ahUKEwjViKPR1faJAxUJkIkEHfLVD5AQBSgAegQIDRAB&biw=345&bih=802&dpr=2.63

So again, he's dead is a steak got sued and rightfully, so as I told you he went with those asset protection lawyers and they said nothing we can do from you sense the crime was committed and you ignored the crime, you're a co-conspirator and we can't protect your assets that would be defrauding your creditors? Who are the people that are going to file suit against you? So we can't do anything, and he died shortly after that and wifely, so!!! But you get the walk around here, terrorize me and then you get to do whatever the f*** y** wanna do and you don't have any conscience. If you had a conscience, you would die of a f****** heart attack, but you don't have any conscience like I look at plant people walking around with the f****** head held high. If they had any conscience about all the f****** crimes they've done, they'd be dropping dead all over the f****** place, but it tells me they have no regret, no remorse and they walk around with it, just like I'm down here with the Chinese, the crimes against me and they act like. They can walk around and hold their head high. Unbelievable F****** shame and disgust. They're f****** pieces of f****** no good s***, and how do you see that they hold their head high? What do you think in front of God? You hold your head low. You bowed on because you're f****** showing him. You understand in comparison, your disgrace and the f****** disgust!!!! So there's no holding your head. High muslims know that they get down on their knees, and they do it multiple times a day, begging for forgiveness!!!!

So muslims pray five times a day every day, three hundred and sixty five days a year, begging the lord for forgiveness!!!!!

Muslims pray five times a day, which is one of the five pillars of Islam:

Fajr: Before dawn

Dhuhr: Noon

Asr: Late afternoon

Maghrib: Sunset

Isha: Nighttime

The times for each prayer are fixed and are based on astronomical events. The prayers can take 10–15 minutes each.

Muslims face the Kaaba while praying. At each call to prayer, and at the end of each prayer, Muslims repeat the shahadah.

Some say that the five daily prayers are a way to purify oneself, and that they are like spiritual food. Others say that the prayers reflect the different stages of a person's life, and that they demonstrate the five states that a person naturally turns to God in.

Commitment to Islam - Pew Research Center

Aug 9, 2012 — Praying, or salat. Muslims are supposed to pray five times a day – at dawn, noon, mid-afternoon, sunset and evening. The shahadah is repeated at each...

Pew Research Center

https://www.google.com/search?ie=UTF-8&client=ms-android-comcast-us-rvc3&source=android-browser&q=How+many+times+do+muslims+pray+a+day

But here everybody holds their head up like they have no shame. I see him as all disgraceful pieces of s***How can they look me in eye????????