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Hour 2 Seg 2 - Senior Moment Segment - LISTEN TO THE COMPLETE SHOW FOR HI-LIGHTS/DETAILS OF SUBJECTS DISCUSSED IN THIS INTERVIEW. DEMENTIA HELP CENTER w/ Kae Hammond , re: 75-270 Hwy., 111, Ste., 204, Indian Wells 92210. – MISSION STATEMENT; Dementia Help Center is the rescue plan for family caregivers. Offer individual and family coaching, personalized planning, care management and placement when the time comes. Fear cripples, but knowledge empowers. Strive to educate, inform and manage the disease and then to thrive. - REPORT that 64% of family members who care for Dementia/Alzheimer’s patients will develop CHRONIC ILLNESSES of their own and frequently DIE before the patient they are caring for. NOW there is NO CONVERSATION as opposed to other illnesses where the patient can still talk and understand. - DISCUSSION that there are over 110 forms of Dementia. - REPORT that everyone’s experience w/ Dementia IS DIFFERENT. - REPORT that Dementia is NOT part of aging. - DISCUSSION of how important it is to find the RIGHT professional care. - NEED TO KNOW; 1. Timelines are different. 2. Can be very aggressive. 3. Can diagnosis w/ an MRI or PET SCAN. - REPORT that it is very IMPORTANT TO KNOW WHAT KIND OF DEMENTIA one is dealing with, and which part OF YOUR BRAIN IS DYING. – 10 TIPS FOR ALZHEIMER’S & DEMENTIA FAMILY CAREGIVERS over the Holidays. 1. Recognize & accept that things are now different. 2. Control your tone of voice & manage your patience levels. 3. Be careful about “crowds”. 4. Provide family members & friends an update, in advance of family dinners and gatherings. 5. Ask everyone to introduce themselves. 6. Honor their comfort zone. Maybe a table by themselves OR w/ the children. 7. Accompany your loved one into the public restroom. 8. Stick to their routine as much as possible. 9. Take advantage of available perks when traveling by air. 10. Introduce a new “tradition”. 11. When flying ask for a Wheelchair for advanced boarding and special considerations. Tell your loved one, it’s a special “perk” 12. GABA is a natural OTC product to help “calm” your loved one. – REPORT on their DHC’s bi-monthly “THRIVE” support group for ALL LEVELS IS BACK. Open to clients, family, caregivers. They also have a ZOOM meeting. Call for the link. FREE CONSULTATIONS. Indian Wells group meets 1st and 3rd Wed., of each month. La Quinta group meets 2nd and 4th Wed., in Old Town. of each month. – (contact info: www.dementiahelpcenter.com and (760) 636-6355). Kae

Hour 2 Seg 3 - Bilhartz Desert Insurance Segment - LISTEN TO THE COMPLETE SHOW FOR HI-LIGHTS/DETAILS OF SUBJECTS DISCUSSED IN THIS INTERVIEW. BILHARTZ DESERT INSURANCE w/ Brian Bilhartz . HIS NEW OFFICES; 75-410 Gerald Ford Dr., Ste., 102, Palm Dessert, 92211. BRIAN IS A BROKER. - DEFINITION of Medicare Advantage PPO. - REPORT that Open Enrollment ENDED DEC., 7. - REPORT that you MUST make a decision by Jan., 1 or there will be NO PRESCRIPTION coverage and limited medical coverage. - REPORT that you have from Jan., 1 to Mar., 31 to make a new changes ONLY this 2nd chance if you have Medicare Advantage.. - REPORT that Part D plans premiums are going up. - REPORT that the annual election period is NOW OVER Dec., 7. Challenge is there are plans that are terminating. You’ll get notices in the mail if yours is being canceled. Plans are being changed left and right. REVIEW YOUR PLANS. - DISCUSSION of the changes to MEDICARE PART D – the most utilized component of your Medicare because you take your medications EVERY DAY. - REPORT on Medicare Part D. For drugs. Most Medicare Advantage Plans have this. Medicare is going to put a cap in 2025 on the out-of-pocket maximum of $2000. for Part D. GREAT. - DISCUSSION of your FLEX card and that there are different types. - REPORT that Brian will serve his clients in their home, in his office, on the phone. REMEMBER HE WILL COME TO YOUR HOME. He has all the special classification to do all of this. The rules are different in other states. He studies in July, Aug., and Sept. each year for the changes coming up. - ANNOUNCEMENT that now there is a PERSON JUST TO RESPOND TO CALLS/TEXTS. (760) 848-7171. - (contact info; www.bilhartzinsurance.com and (760) 848-7171). Brian

Hour 2 Seg 4 - “Life After Cancer” w/ Shay’s Warriors - LISTEN TO THE COMPLETE SHOW FOR HI-LIGHTS/DETAILS OF SUBJECTS DISCUSSED IN THIS INTERVIEW. SHAY’S WARRIORS “LIFE AFTER CANCER” w/ Shay Moraga re: 42-215 Washington St., Ste. A389, Palm Desert, CA. 92211. - MISSION STATEMENT: Because living life after cancer is tough. To inspire, inform, empower and help heal cancer survivors and their families through health, fitness and mind-body connection. - REPORT that Shay’s Warriors provides tools and “Coffee and Connections” for support. Reminds folks to do their “self-care”. For cancer survivors and their support system. - REPORT that Shay started this organization in 2017 because she is living “life after cancer”. NOT JUST FOR CANCER survivors, ALL ILLNESS SURVIVORS. - DISCUSSION of how survivors and caregivers need special “care” during the Holidays. - SAVE THE DATES: - EVERY THURSDAY, - Gardens on El Paseo on the front lawn there will be FREE Thurs., “Move to Heal” classes from 9 to 10 AM. Yoga, meditation etc., FREE TO ANYONE. Register on line. Bring water, a mat, a towel etc., All levels of 1. Yoga, 2. Mat Pilates, 3. Band and Boot Camp, and 4. Restorative Yoga Sound Bath. - REPORT that now she also has a “Yo Bro” I AM BRAVE TOO group. Meets every 6 to 8 weeks. - DISCUSSION of Coffee and Connection; 3RD. Sat., of every month @ Sottovoce Café and Wine Bar in Palm Desert. FREE. - (contact info: www.shayswarriors.org and (760) 895-1705). Shay

Hour 1 Seg 1 - Palm Canyon Theatre Segment - LISTEN TO THE COMPLETE SHOW FOR HI-LIGHTS/DETAILS OF SUBJECTS DISCUSSED IN THIS INTERVIEW. PALM CANYON THEATRE w/ Derik Shopinski Business Manager, Actor, Director, Costume Designer, Dancer re; 538 N. Palm Cyn., Dr., P.S. - REPORT on how the auditions were conducted AND anyone can send in a tape, video, etc. to audition at any time. - REPORT on the upcoming shows; HOLD THE DATES” 1. Now – Dec., 21, Annie 2. Jan., 16 – 25, ’26 – I Do! I Do! 3. Feb., 6, ‘26 – Mar., 1; Hair 4. Mar., 13 – Ap., 5, ’26; – Sunset Blvd 5. Ap., 17 – 26, ’26; Kiss of the Spider Woman 6. May 8 – 17, ’26; The Ritz 7. May 22 – 24, ’26; The Merry Widow 8. July 17 - Aug., 2, ’26; The Wizard of Oz - DISCUSSION of KIDS SUMMER CAMP EACH YEAR; 6 weeks from June 23 – Aug., 2. Partnering w/ P.S.U.S.D. You can “drop in” and “drop out”. Will be doing weekly “productions”. $225./week. Monday thru Friday from 9 AM to 4 PM. Lunch hour. Discussion of the different classes. May do more productions in ’26. - (contact info: www.palmcanyontheatre.org and (760) 323-5123) Palm Canyon Theatre

Hour 1 Seg 2 - The Talk of Stars Segment - LISTEN TO THE COMPLETE SHOW FOR HI-LIGHTS/DETAILS OF SUBJECTS DISCUSSED IN THIS INTERVIEW. TALK OF STARS w/ Jason Stuart , American actor, comedian, film producer, screenwriter, TV ipersonality, and talk show host. - HOLD THE DATES: 1. The Rock Gallery Comedy Club. Jan., 16 & 17; 7 PM; www.therockgallery.org. LGBTQ w/ his friend Karen. Beer and wine. 333 N. Palm Canyon Dr., Ste., #117, Palm Springs, CA. 92262. - REPORT on his movie “Redlining” about a generational wealth issue in a family. How he funded it, what he hopes the future of it will be in the Palm Springs international Short Fest. - (contact info: www.jasonstuart.com) Jason

Hour 1 Seg 3 - Crossroads-To-Care Segment - LISTEN TO THE COMPLETE SHOW FOR HI-LIGHTS/DETAILS OF SUBJECTS DISCUSSED IN THIS INTERVIEW. CROSSROADS TO CARE (housecalls are back) w/ Patricia Ryan , MSN, ANP-BC re; An adult nurse-practitioner who makes house calls. A concierge practitioner. - DEFINITION of what a “nurse practitioner” is. - PATRICIA PROVIDES SERVICES SUCH AS; Same as in a doctor’s office; She can; 1. Diagnose 2. Treat. 3. Prescribe. 4. Referrals as needed (Xrays, home health care, etc), 5. Do blood tests right there, deliver to the lab and get you the results. 6. Check-ups. - DEFINITION of an Adult Nurse Practitioner; a nurse who went back to school and has a Master’s Degree and MAKES HOUSE CALLS. - REPORT on how convenient her services are for many folks for many reasons. Good to know your “starting point” from your blood work. - REPORT on her concierge services for folks 18 and over. - REPORT that Patricia can prescribe GENERIC BRANDS and save you MONEY!!! - REPORT that she is the ONLY nurse practitioner who has this type of practice in the Coachella Valley. 1. Check-ups. 2. Overall health. 3. Yearly visits. 4. She will do the blood-draw and deliver it to the labs. 5. SHE HAS PORTABLE ULTRASOUND AND XRAY DEVICES. - DISCUSSION of the convenience of her services if you; 1. Don’t drive. 2. Don’t want to sit in the doctor’s office AND WAIT to be seen. 3. Don’t have to get up and get dressed, can be seen while bedridden. 4. Don’t have to deal w/ how long the wait time is to get an appointment w/ your primary care physician now. Patty can see you in a very timely manner. - REPORT that you can become a patient w/ a yearly fee, or she can bill Medicare, and her visits are charged to insurance. - REPORT that she can write prescriptions. Even for bio-identical hormones as well. - REPORT that many of her patients are seniors. - (contact info: www.crossroadstocare.org and (760) 992-4321). Patricia

Hour 1 Seg 4 - Restaurant of the Week Segment - LISTEN TO THE COMPLETE SHOW FOR HI-LIGHTS/DETAILS OF SUBJECTS DISCUSSED IN THIS INTERVIEW. RESTAURANT OF THE WEEK w/ Jacky Donnell re: @ “Elmer’s” 1030 E. Palm Canyon Dr., Palm Springs, 92264. - REPORT on the recent loss of her dear sister in Idaho and her trip there to be w/ her family. - DISCUSSION of how well Elmer’s did while she was gone, her devoted staff. - DISCUSSION of the different mimosas that they serve now w/ champagne. i.e. cranberry, peach, lavender AND a Bloody Mary. - REPORT that Elmers will be closed on Christmas so her staff may be w/ their families. - REPORT that Elmers will be open Christmas Eve. - REPORT that reservations are not needed. - REPORT on address, phone and being open 7 days a week from 6 AM to 9 PM. - REPORT that Jacky’s Elmers is THE ONLY ONE IN CA. and NUMBER ONE IN THE CHAIN. - REPORT that Elmers is expanding to Canada, etc. - (contact info: www.eatatelmers.com and (760) 327-8419) Jacky

Presented thru the generosity of Desert Lifestyle Properties’s Ben Leaskou, for all your real estate needs. www.desertlifestyleproperties.com and (760) 818-7518. “Desert Lifestyle, Redefined” SUNDAY 12.14 - 3 – 4 PM; 1. WHO; PALM SPRINGS CULTURAL CENTER. WHAT; “Remember the Night” w/ Barbara Stanyick and Fred McMurray. “The Best Little Christmas Movie You Might Have Missed” WHEN; FRI., DEC., 19; 6 PM. WHERE; Historic Camelot Theatre @P.S. Cultural Center on Baristo, in P.S. WEB; www.psculturalcenter.org. 2. WHO; PALM SPRINGS GAY MEN’S CHORUS WHAT; “Bells, Brass & Sass” WHEN; DEC., 19 – 21; Fri./Sat; 7 PM; Sun; 2 PM WHERE; Plaza Theatre WEB; www.PSGMC.com. 3. WHO; PLAZA THEATRE WHAT; “Pops @ the Plaza” series. WHEN; STARTS DEC., 22; 7:30 PM. WHERE; Newly restored Plaza Theatre. WEB; www.Palmspringsplazatheatre.com. 4. WHO; MC CALLUM THEATRE. WHAT; “Barry Manilow “Gift of Love” list of charities on the website WHEN; DEC., 16, 17, 19, 209 & 21; TIX. $99. To $2,500. WHERE; 73-000 Fred Waring Dr., Palm Desert, CA. WEB; www.mccallumtheatre.com. 5. WHO; OSCAR’S PALM SPRINGS. WHAT; Bitchiest Brunch & Sunday Tea Dance WHEN; TODAY. WHERE; 125. E. Tahquitz Cyn., Way. #108. Palm Springs. WEB; www.oscarspalmsprings.com. SUNDAY; 12.14 - 4 – 5 PM. 1. WHO; DESERT-THEATRICALS Josh and Ray, want you to know. WHAT; Anthony Hernandez “Illusions”. WHEN; JAN., 10, 2026. WHERE; 71560 San Jacinto Dr., Rancho Mirage, CA. WEB; www.desert-theatricals.com. 2.WHO; DAP HEALTH C.E.O. DAVID BRINKMAN wants you to know; WHAT; To get the care you need FAST over the Holidays or in an emergency, find a location on the website. WHEN; NOW, ANYTIME. WHERE: On the website for DAP; 1695 N. Sunrise. WEB; www.daphealth.org. 3. WHO; REVOLUTION STAGE COMPANY’S Gary Powers wants you to know; WHAT: “Plaid Tidings” WHEN; THRU DEC., 20 WHERE; 611 S. Palm Cyn. In the Sun Shopping Center. WEB; www.revolutionstagecompany.com. 4. WHO; AGUA CALIENTE BAND OF CAHUILLA INDIANS Chairman Milanovich wants you to know. WHAT; Tata Simonyan WHEN; SAT., DEC., 20; SUN., DEC., 21. WHERE; THE SHOW in Rancho Mirage. WEB; www.aguacalientecasinos.com. 5. WHO; THE PALM CANYON THEATRE WHAT; “Annie” WHEN; NOW – DEC., 24 WHERE: 538 N. Palm Cyn., Dr., Palm Springs WEB; www.palmcanyontheatre.net. SUNDAY 12.14 - 5 – 6 PM; 1. WHO; CV REP;S Artistic Director Adam Karsten wants you to see WHAT; “Dear Evan Hansen” WHEN; NOW – 21; 7:30 PM. WHERE; 68510 E. Palm Cayn., Dr., Cathedral City WEB; www.cvrep.org. 2. WHO; ACRISURE ARENA WHAT; “Duran Duran; Invisible Days Tour” WHEN: DEC., 30 WHERE: Acrisure Arena WEB; www.acrisurearena.com. 3. WHO; DESERT LIFESTYLE PROPERTIES Ben Leaskou wants you to know about; WHAT; The weekend Open Houses WHEN; NOW WHERE: 1870 n. Mira Loma West; $365,000. 3 beds./2 baths WEB; www.desertlifestyleproperties.com. 4. WHO; REVIVALS (Re-love the Pre-loved) WHAT; Happy “Thrift-Mas”: and get the REV Club newsletter. WHEN; NOW WHERE: At all 4 stores. WEB; www.revivalsstores.com 5. WHO; CREATIVE ARTS TEMPLE W/ RABBI JERRY CUTLER WHAT; CAT FNL (Creative Arts Temple/Fridiay Night Live) Streaming brief Shabbat Services w/ The Cutlers. WHEN; FIRST FRIDAY NIGHT OF EVERY MONTH @ 5 PM. WHERE: Facebook & YouTube & Live WEB; www.creativeartstemple.org. For further reference to the JEDD, visit my website www.joeyenglish.com .

Presented thru the generosity of Desert Lifestyle Properties’s Ben Leaskou, for all your real estate needs. www.desertlifestyleproperties.com and (760) 818-7518. “Desert Lifestyle, Redefined” SUNDAY 11.30 - 3 – 4 PM; National Mousse Day 1. WHO; PALM SPRINGS CULTURAL CENTER. WHAT; “Foreign Correspondent” WHEN; SUN., 12.5; 7 PM . WHERE; Historic Camelot Theatre @P.S. Cultural Center on Baristo, in P.S. WEB; www.psculturalcenter.org. 2. WHO; TEMECULA THEATER WHAT; “A Christmas Carol” WHEN; THROUGH DEC., 7 WHERE; Old Town Temecula Community Theater; 42051 Main St., Temecula WEB; www.temecuilatheater.org. 3. WHO; PALM SPRINGS GAY MEN’S CHORUS WHAT; “Bells, Brass & Sass!!!” $20. WHEN; TUES., DEC., 3; 7 – 8 PM WHERE; CSLPS building; 2100 E. Racquet Club, P.S. WEB; To reserve a seat call Laura Meeks (703) 623-5376 4. WHO; MC CALLUM THEATRE. WHAT; “Mariachi Herencia de Mexico” WHEN; TONIGHT; 7 PM WHERE; 73-000 Fred Waring Dr., Palm Desert, CA. WEB; www.mccallumtheatre.com. 5. WHO; OSCAR’S PALM SPRINGS. WHAT; Sunday Tea Dance WHEN; UNTIL 7 PM TONIGHT. WHERE; 125. E. Tahquitz Cyn., Way. #108. Palm Springs. WEB; www.oscarspalmsprings.com. SUNDAY; 11.03 - 4 – 5 PM. National Personal Space Day. 1. WHO; DESERT-THEATRICALS Josh and Ray, want you to know. WHAT; FREE “Home for The Holidays”. WHEN; SAT., DEC., 13; 6 PM GATE; 7 PM SHOW. WHERE; 71560 San Jacinto Dr., Rancho Mirage, CA. WEB; www.desert-theatricals.com. 2.WHO; DAP HEALTH C.E.O. DAVID BRINKMAN wants you to know; WHAT; World Aids Day WHEN; MON., DECEMBER 1. WHERE: Main campus of DAP; 1695 N. Sunrise. WEB; www.daphealth.org. 3. WHO; REVOLUTION STAGE COMPANY’S Gary Powers wants you to know; WHAT: “Naughty & Nice” WHEN; TONIGHT; 7 PM WHERE; 611 S. Palm Cyn. In the Sun Shopping Center. WEB; www.revolutionstagecompany.com. 4. WHO; AGUA CALIENTE BAND OF CAHUILLA INDIANS Chairman Milanovich wants you to know. WHAT; Texas Tenors; “Deep in the Heart of Christmas” WHEN; WED., DEC., 10; 7:30 PM WHERE; THE SHOW in Rancho Mirage. WEB; www.aguacalientecasinos.com. 5. WHO; THE PALM CANYON THEATRE WHAT; “Annie” WHEN; NOV., 28 – DEC., 24 WHERE: 538 N. Palm Cyn., Dr., Palm Springs WEB; www.palmcanyontheatre.net. SUNDAY 11.30 - 5 – 6 PM; National Stay @ Home Because You’re WELL Day. 1. WHO; CV REP;S Artistic Director Adam Karsten wants you to see WHAT; “Dear Evan Hansen” WHEN; DEC., 3 – 21; 7:30 PM. WHERE; 68510 E. Palm Cayn., Dr., Cathedral City WEB; www.cvrep.org. 2. WHO; ACRISURE ARENA WHAT; Bones Thugs-‘n-Harmony WHEN; DEC., 5; 7:30 AM. WHERE: Acrisure Arena WEB; www.acrisurearena.com. 3. WHO; DESERT LIFESTYLE PROPERTIES Ben Leaskou wants you to know about; WHAT; The weekend Open Houses WHEN; NOW WHERE: 366 n. Orchid Tree Lane; 3 beds./2 baths/pool WEB; www.desertlifestyleproperties.com. 4. WHO; CITY OF PALM SPRINGS WHAT; Festival of Lights Parade WHEN; SAT., DEC., 6; 5:45 PM WHERE: South to North on Palm Canyon Drive, Palm Springs. WEB; www.palmspringsca.gov 5. WHO; CREATIVE ARTS TEMPLE W/ RABBI JERRY CUTLER WHAT; CAT FNL (Creative Arts Temple/Fridiay Night Live) Streaming brief Shabbat Services w/ The Cutlers. WHEN; FIRST FRIDAY NIGHT OF EVERY MONTH @ 5 PM. WHERE: Facebook & YouTube & Live WEB; www.creativeartstemple.org. Sound bite from Chelsea For further reference to the JEDD, visit my websitewww.joeyenglish.com .

Hour 3 Seg 1 - Animal Segment - LISTEN TO THE COMPLETE SHOW FOR HI-LIGHTS/DETAILS OF SUBJECTS DISCUSSED IN THIS INTERVIEW. BONES ‘N SCONES w/ Kathy Hart re: 1.) 633 S. Palm Cyn., Dr., Ste., #26, Palm Springs, CA. 92264. 2.) Market Place, 1717 E. Vista Chino, Ste., B-3, Palm Springs, CA. 92262. 3.) 73910 CA-111, Palm Desert, CA. Open 7 days a week. - QUESTIONS FROM “JOEY PALS” 1. Should I bathe my cat and how frequently AND HOW?) Yes, you certainly can. Depends on when they really need cleaning up. Bathing too much gets in the way of their own cleaning systems. Use gentle soap or cat shampoo, rinse thoroughly. No reason to bathe if cat is keeping himself clean.) - REPORT on bathing dogs. Probably every 6 weeks. Keep the coat untangled, etc. Over-bathing is not good for doggies. - REPORT that BONES ‘N SCONES sells products for bathing pets. 2. What kind of suggestions do you have to ensure long life for our pets? (Basically, healthy, freshest possible food. Raw diet, gently cooked diet. Even vegetables.) - PRESENTATION of Kathy’s Editorial Comment; Her perspective on the business climate and her reflections on her years in the business community of the C.V. Desire to keep our monies here in the CV to help local businesses to survive. PLEASE LISTEN. - (contact info; www.bonesnscones.com.) Bones ‘n Scones

Hour 3 Seg 3 - The Elisha Project C4K Segment - LISTEN TO THE COMPLETE SHOW FOR HI-LIGHTS/DETAILS OF SUBJECTS DISCUSSED IN THIS INTERVIEW. THE ELISHA PROJECT C4K w/ Matt Diehl re; Christ + Compassion + Clothes for Kids - DISCUSSION of the origin and naming of the project because of the loss of his precious son Elisha on Ap.,20, 2024 @ only 12 years old. - DISCUSSION of the “clothes” aspect. Elisha was @ Desert Christian Academy and said a week before his death that he wanted to help kids get clothes so they would be more confident in life. - DISCUSSION of what Billy Graham said about “what Heaven will be like”. Matt had a “vision” about this and what Elisha will be doing in Heaven. - REPORT on how he believes God “sees” us. - REPORT that now they are a 501C3, as of May of ‘25, but started under the banner of Desert Christian Academy. - REPORT on how the monies are distributed; $300 ( the amount Elisha had in his piggy bank when he passed) for each child to spend on clothing. - DISCUSSION of how successful their fund-raising has been. A blessing and they have helped over 100 children so far. - REPORT on the Mission Statement for Desert Christian Academy; A Christ-centered school that is passionate about shaping students’ foundational journey w/ the power of the gospel. A loving place of innovation and discovery that is governed by grace, and develops disciples who are responsible, productive, deep thinking, steadfast, honorable, sacrificial, and well equipped for a lifetime of Christian service. - DISCUSSION of the website and the donation button w/ all the options. - REPORT that Elisha Mom, Erica is the President of the non-profit and provides donation letters. - DISCUSSION of how the children who need the clothing are identified w/ help from Olive Crest. - (contact info; www.theelishaprojectC4K.com and). Elisha’s parent, the Diehls

Hour 3 Seg 4 - “Legal Eagle” Segment - LISTEN TO THE COMPLETE SHOW FOR HI-LIGHTS/DETAILS OF SUBJECTS DISCUSSED IN THIS INTERVIEW. LAW OFFICES OF ROBERT L. FIRTH w/ Robert Firth re: 68910 Adelina Road, Cathedral City, CA. 92234. - QUESTIONS from Joey Pals. 1. What are the legal implications for a “hacker”? (If you can find out who the hacker is, you can sue them for a lot of money. It IS a federal crime against any “protected computer”. Computer Fraud and Abuse Act. The FBI has the facilities to handle this. “Double protect” all your computer services.) 2. What is your recourse if you are sitting in your car in a parking lot, someone hits your car and denies he did so? (Take photos of the cars, the license number, and the man. Technically it’s a “hit and run”. Hope you have insurance coverage for this.) - FOCUS OF ROBERT’S PRACTICE. 1. Personal bankruptcy. There are lots of chapters in personal bankruptcies. Either Chapter 7 where you get all your debts discharged as long as you get rid of all the secured items. Mortgages also. You CANNOT discharge student loans, judgements against you from a DUI, or a tort, or your last 3 years of income taxes. Or Chapter #13 where if you make more than the median income in CA ($70,000/yr for a single person) you MUST do a 13. Chapter 13 has a payment plan. 2. BK will be on your FICA for 10 years. - REPORT that when you file a Chapter 7 Robert can get you a 700-credit score in a year if you do what he says. - (contact info: www.firthlaw.com and (760) 309-7669). Robert