Monthly Archives: November 2018

Thrivent claims experiences impact on my faith and others, Thrivent claims core Christian values but that was not my experience, Impact not just financial physical & emotional 

Thrivent claims experiences impact on my faith and others, Thrivent claims core Christian values but that was not my experience, Impact not just financial physical & emotional

“Though I speak with the tongues of men and of angels, and have not charity, I am become as sounding brass, or a tinkling cymbal”…1 Corinthians 13

“But false prophets also arose among the people, just as there will be false teachers among you, who will secretly bring in destructive heresies, even denying the Master who bought them, bringing upon themselves swift destruction. And many will follow their sensuality, and because of them the way of truth will be blasphemed. And in their greed they will exploit you with false words.”…2 Peter 2:1-3

“And you shall know the truth, and the truth shall set you free.”…Jesus, John 8:32


This may be the most important article that I write about my claims experiences with Thrivent Financial for Lutherans (and now anybody).

Aside from the devastating financial, physical and emotional impact of their treatment of me over many years and 2 claims experiences, there was potential for impacting my faith.

If Thrivent had been my predominant experience with the Lutheran Church, I would have run away screaming in despair.

From the Washington Post March 28, 2014.

The change from “Thrivent Financial for Lutherans” to just “Thrivent Financial” was not a simple response to declining membership in the Lutheran church, Moeller said, although that factor was discussed during the lengthy transition talks.

It’s more about having a long-term strategy to share the company’s Christian business principles with more people, he said.

“It will open many, many new doors for us in terms of our ability to expand and help our members and communities,” he said.

The U.S. has three main Lutheran denominations, the Evangelical Lutheran Church in America, the Lutheran Church-Missouri Synod, and the Wisconsin Evangelical Lutheran Synod. The ELCA, the largest of the three with 3.9 million members in the U.S., reported a drop in weekly attendance of 26 percent from 2003 to 2011.

There are 2 main messages in what I write here:

1. Put your faith in God and the message of Jesus.

2. Whether you are involved in an organized religion or not, live your life properly, as Jesus taught. People may not believe what you say but they will certainly believe what you do.

“Let your light so shine before men, that they may see your good works, and glorify your Father which is in heaven.” Matthew 5:16

I was baptized as an infant in the Lutheran Church, raised attending, was an acolyte, attended catechism class and confirmed at age 12.
I sang in the choir for years.

As I grew older I became less enamored with organized religion, with its emphasis on money, buildings and temporal matters.

I have attended other denominations and hung out with the Baptists.

I have known many Godly people of various denominations.

I have also observed behavior that would turn many away.

During my first claims experience with Thrivent in 2002, I had a conversation with Sandy Kruse. I had been in great pain before, during and after surgery. I had been trying to get a proper date of disability from the surgeon to Thrivent. It was frustrating. As it turns out, and well documented now, Thrivent used the incorrect language of “unable to work” instead of “unable to perform regular occupation.” Thrivent later corrected a form but never apologized to me or made reparations.

During the conversation, as indicated by Thrivent in the transcript of the call I requested, I quoted 3 different bible verses. Ms. Kruse was offended and went on to slander and libel me with the local Thrivent rep.

In the second claims experience, beginning in 2009, I now have proof that Thrivent fraudulently misrepresented the policy provisions and used this posture for unreasonable requests and ultimately to accuse me of fraud when in fact it was they who were committing fraud.

Thrivent has been the antithesis of exhibiting core Christian values.

I am not the only one affected.

George Tiedemann, a Lutheran, was surprised at how he was treated by Thrivent:

“The insurance the Tiedemanns bought in 1993 didn’t restrict their ability to sue over disputes. But in 1999 Aid Association for Lutherans amended its bylaws, effectively blocking policyholders from the courts and substituting a three-step dispute-resolution process.

For members who have found themselves in disputes with Thrivent, the retroactive change rankles. “You’re wondering how Lutheran organizations can treat their own customers that way,” says Mr. Tiedemann, an 83-year-old retiree who navigated the dispute-resolution process for more than two years before giving up. The couple is maintaining Lucy Tiedemann’s policy, who is recovering from a recent fall.”

I quote the bible more than ever.

Putting too much faith in people and institutions will fail.

Thrivent has not shaken my faith.

However, my trust in the Lutheran Church or any other organized religion has diminished.

Perhaps that is a blessing.

I have long believed that there needs to be another reformation.

I strongly believe that now.

I consider myself more a Christian than Lutheran.


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Palmer Luckey thought criminal aka Trump Supporter fired by Facebook for opposing Hillary aka Big Brother, Donated $10,000 to an anti Hillary Clinton group

Palmer Luckey thought criminal aka Trump Supporter fired by Facebook for opposing Hillary aka Big Brother, Donated $10,000 to an anti Hillary Clinton group

“That is what has brought you here. You are here because you have failed in humility, in self-discipline. You would not make the act of submission which is the price of sanity. You preferred to be a lunatic, a minority of one. Only the disciplined mind can see reality, Winston. You believe that reality is something objective, external, existing in its own right. You also believe that the nature of reality is self-evident. When you delude yourself into thinking that you see something, you assume that everyone else sees the same thing as you. But I tell you, Winston, that reality is not external. Reality exists in the human mind, and nowhere else. Not in the individual mind, which can make mistakes, and in any case soon perishes: only in the mind of the Party, which is collective and immortal. Whatever the Party holds to be the truth, is truth. It is impossible to see reality except by looking through the eyes of the Party. That is the fact that you have got to relearn, Winston. It needs an act of self-destruction, an effort of the will. You must humble yourself before you can become sane.”…George Orwell, 1984

“Before the Hate had proceeded for thirty seconds, uncontrollable exclamations of rage were breaking out from half the people in the room.”
“the sight or even the thought of Goldstein produced fear and anger automatically.”
“He was an object of hatred more constant than either Eurasia or Eastasia.”
“There were also whispered stories of a terrible book, a compendium of all the heresies”
“In it’s second minute the Hate rose to a frenzy. People were leaping up and down in their places and shouting at the tops of their voices”… George Orwell “1984″

“”You’re a traitor!” yelled the boy. “You’re a thought criminal!””…George Orwell, “1984”


From the WSJ November 11, 2018.

“Why Did Facebook Fire a Top Executive? Hint: It Had Something to Do With Trump

Palmer Luckey, co-founder of virtual-reality pioneer Oculus, was ousted after his political activity sparked a furor within the social-media giant and Silicon Valley”

“Facebook Inc. FB -1.97% executive and virtual-reality wunderkind Palmer Luckey was a rising star of Silicon Valley when, at the height of the 2016 presidential contest, he donated $10,000 to an anti-Hillary Clinton group.

His donation sparked a backlash from his colleagues. Six months later, he was out. Neither Facebook nor Mr. Luckey has ever said why he left the social-media giant. When testifying before Congress about data privacy earlier this year, Facebook Chief Executive Mark Zuckerberg denied the departure had anything to do with politics.

Mr. Luckey, it turns out, was put on leave, then fired, according to people familiar with the matter. More recently, he has told people the reason was his support for Donald Trump and the furor that his political beliefs sparked within Facebook and Silicon Valley, some of those people say.

Internal Facebook emails suggest the matter was discussed at the highest levels of the company. In the fall of 2016, as unhappiness over the donation simmered, Facebook executives including Mr. Zuckerberg pressured Mr. Luckey to publicly voice support for libertarian candidate Gary Johnson, despite Mr. Luckey’s yearslong support of Mr. Trump, according to people familiar with the conversations and internal emails viewed by The Wall Street Journal.”

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Michelle Obama book answers questions?, Why you “relinquished” law license?, Seen copy of certified original birth certificate?, Where was Barack November 4, 1999?, Why TUCC Jeremiah Wright church?, Why Barack publisher stated Kenya?

Michelle Obama book answers questions?, Why you “relinquished” law license?, Seen copy of certified original birth certificate?, Where was Barack November 4, 1999?, Why TUCC Jeremiah Wright church?, Why Barack publisher stated Kenya?

“Why was Barack Obama absent from the opening session of the IL Senate on November 4, 1999?”…Citizen Wells

“In both conversations with Obama for America and AKP Message & Media, I explained that on November 6, 1999, I had been introduced to Barack Obama by a friend and that Obama had, in fact, sold me an eight-ball of cocaine and had himself engaged in smoking crack cocaine in my limo on that date and again in my hotel room the following day.”…Larry Sinclair, “Barack Obama & Larry Sinclair Cocaine, Sex, Lies & Murder”

“Moore said he’s seen no convincing evidence that Obama is a “natural born citizen” and a lot of evidence that suggests he is not.”…Judge Roy Moore interview by WND



We are all awaiting the release of Michelle Obama’s new book “Becoming.”

Certainly it will contain the usual candor and honesty we have come to expect from the Obamas.

Listed below are perhaps the top 5 questions that many of us have wanted answers to:

  1. Why did Michelle Obama ‘relinquish” her law license? Law school is years of hard work and passing the bar exam is no easy matter. So why would she give it up after so much effort? It is believed that Barack surrendered his law license to avoid having it taken for documented lies on his application.
  2. Michelle, have you seen a certified copy of an original birth certificate for Barack? We have not. The image placed on was not. It was not a certified copy of an original because Hawaiian birth certificates did not look like that at the time of his birth. At the bottom of that document it states “or abstract.” If it is indeed an official HI document, it does not prove birth there. Only that data was pulled from documents recording birth somewhere. Many believe it was faked.
  3. Michelle, where was your husband on November 4, 1999 the opening session of the IL legislature in Springfield? Larry Sinclair alleged a drug and sex encounter with Barack in November 1999.
  4. Why did you attend Jeremiah Wright’s church TUCC? Was it for the  “Down Low Club at Trinity?”“It was more that Wright served as a matchmaker,” said Carolyn, a 20-year member of Trinity who has played a role in church administration and knows the Obamas personally.“He kept his eye on the young guys coming up in Trinity,” she said, “and if he spotted someone that acted or looked gay, then Wright would give them kind of a guidance counselor-type direction on how to keep down low – how to do the things they wanted to do, but then also getting married and looking ‘respectable’ – being part of black society.”  WND October 2, 2012.
  5. Why did Barack’s publisher list his place of birth as Kenya?


By the way Michelle, no one is disputing that Barack is a citizen.

The standard for POTUS is Natural Born Citizen.

You must have learned that in law school.


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Thrivent claim struggle, What would Jesus say?, Jesus often quoted Old Testament, Thrivent core Christian values?, Answer in bible

Thrivent claim struggle, What would Jesus say?, Jesus often quoted Old Testament, Thrivent core Christian values?, Answer in bible

“I worked at Thrivent Financial full-time (More than 8 years)”                      “Claims to be based on Christian values but does not adhere to them.”…Former Thrivent employee

“Companies And CEOs Rarely Admit To Wrongdoing”…NPR, Sept. 20, 2013

“And you shall know the truth, and the truth shall set you free.”…Jesus, John 8:32


My first claim experience with Thrivent was in 2001-2002.

I was criticized by Sandy Kruse then for quoting 3 bible verses.

Jesus often quoted the Old Testament.

My much larger, much more significant claims experience with Thrivent has been from 2009 on.

I have been put through hell without experiencing any blessings from Thrivent’s touted core Christian values.

I have been honest and timely with information required per the contract for the claim.

I have written Thrivent direct, had 2 attorneys write letters or represent me otherwise and have appealed multiple times in articles on the internet for Thrivent to do a proper investigation and realize the harm they have done to me.

I have also appealed directly to 2 Thrivent outside attorneys providing them with the true facts of the case and recently provided one with a heads up regarding the wacko “Alice in Wonderland” contract explanation sent to the NC Insurance Commission by a Thrivent employee.

The employee is Sandy Headington.

I even offered, in the spirit of compromise, Thrivent a face saving option, to engage me as a consultant to reveal serious flaws in their claims process.

“Pride goeth before destruction.” Proverbs 16:18

I have tried everything I can think of to get the attention of Thrivent, to get them to see the light, and to do the right thing.

I have tried to do the right thing.

How should disputes and offenses be dealt with
between believers in the church fellowship?

“In Matthew 18:15-17, Jesus established a procedure to be followed in the event that a brother would commit a sin or offense against another Christian. Many Christian scholars believe that this is one of the most neglected teachings of the entire Bible. It’s been said that if all believers would simply obey scripture, to go and confront their offenders in the manner Jesus gave, it would solve over half of all problems which exist in the church.

It is important to confront those brethren who have trespassed against us for the following five reasons:

(1) To resolve misunderstandings. Most offenses in the church result from misunderstandings and many could be quickly resolved if offended parties would just go to the source and find out the facts. Unfortunately, some offended people will just absorb the offense silently, while growing bitter and resentful. It is important to God, and a matter of obedience to His Word, that such issues are confronted.

(2) To maintain peace in the body of Christ (Eph. 4:1-3). Whenever there is friction and turmoil between believers it affects the whole body. It hinders people from entering into worship and receiving from God’s Word. It creates an uninviting atmosphere for visitors in the church, it may hinder people from coming to Christ, and can even grieve the Holy Spirit (Eph. 4:30-32).

(3) So Satan cannot gain advantage over us (2 Cor. 2:10-11). For our own spiritual well-being, we must be quick to resolve our differences with brethren and forgive. Satan can hinder our spiritual life, and even deceive us into apostasy, through harbored bitterness or unforgiveness (Matt. 18:35).

(4) So that the offender is held accountable — to not repeat his actions to harm the faith of others (Matt. 18:6). Persons who bring offense against you are likely to repeat similar acts against others. Confronting their offensive behavior may cause them to restrain their actions from causing further offenses.

(5) To restore a fallen brother (Gal. 6:1). Christians must make every attempt to restore brethren who fall into sin. Especially when the transgression has been committed against us, our love for our brother’s spiritual well-being demands that we confront the brother so that he might be reconciled to God.

How to deal with the trespasser: The following scripture is how Jesus taught for Christians to confront those brethren who have wronged them.

Matthew 18:15 “Moreover if your brother sins against you, go and tell him his fault between you and him alone. If he hears you, you have gained your brother.
18:16 But if he will not hear you, take with you one or two more, that by the mouth of two or three witnesses every word may be established.
18:17 And if he refuses to hear them, tell it to the church. But if he refuses even to hear the church, let him be to you like a heathen and a tax collector.””

Are Sandy Kruse and Sandy Headington the same person?

Every internet search that I did revealed that Sandy Kruse was also referred to as Sandy Headington and vice versa. Sandy Headington is married. Same address.

Both Sandys apparently did not understand earned income in the context of the contract.

Sandy Kruse criticized my use of bible verses.

Sandy Headington totally misquoted the contract and then attacked me.

Core Christian values?

Sandy Headington, in her letter to the NC Insurance Commission, wrote:

“In 2018, Wells took to social media in an attempt to paint Thrivent in an unflattering light”

“Thrivent, through Attorney [redacted], has advised Wells to remove any and all postings designed to smear Thrivent’s name. Wells has been advised Thrivent will move forward with arbitration proceedings, including an injunction preventing further posting and any such action deemed appropriate based on Wells’s actions.”

From the Thrivent Code of Conduct:

“How might my behavior be perceived if it appeared in social media feeds, on the news or in tomorrow’s headlines?”


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NY Times exposed, Fake news blame of Russian posts for Trump win, Times “rectifies” data with fake statistics, Facebook general counsel Colin Stretch clarifies

NY Times exposed, Fake news blame of Russian posts for Trump win, Times “rectifies” data with fake statistics, Facebook general counsel Colin Stretch clarifies

“As soon as all the corrections which happened to be necessary in any particular number of the Times had been assembled and collated, that number would be reprinted, the original copy destroyed, and the corrected copy placed on the files in it’s stead. This process of continuation alteration was applied not only to newspapers, but to books, periodicals, pamphlets, posters, leaflets, films, sound tracks, cartoons, photographs–to every kind of literature or documentation which might conceivably hold any political or ideological significance. Day by day and almost minute by minute the past was brought up to date. In this way every prediction made by the Party could be shown by documentary evidence to be correct; nor was any item of news, or expression of opinion, which conflicted with the needs of the moment, ever allowed to be on record.”…George Orwell, “1984″

“the Times of the nineteenth of December had published the official forecasts of the output of various classes of consumption goods in the fourth quarter of 1983, which was also the sixth quarter of the Ninth Three-Year Plan. Today’s issue contained a statement of the actual output, from which it appeared that the forecasts were in every instance grossly wrong. Winston’s job was to rectify the original figures by making them agree with the later ones.”…George Orwell, “1984”

“We are being lied to on a scale unimaginable by George Orwell.”…Citizen Wells


From Consortium News November 2, 2018.

“Further research shows The New York Times was even further off the mark in blaming Russian social media for Trump’s win, as Gareth Porter reports.

Facebook Said 80,000 Russian Posts Were

Buried in 33 Trillion Facebook Offerings Over

Two-Year Period Further Undermining NYT’s Case

Even more damning evidence has come to light undermining The New York Times‘ assertion in September that Russia used social media to steal the 2016 election for Donald Trump.

The Times‘ claim last month that Russian Facebook posts reached nearly as many Americans as actually voted in the 2016 election exaggerated the significance of those numbers by a factor of hundreds of millions, as revealed by further evidence from Facebook’s own Congressional testimony.

Th further research into an earlier Consortium News article shows that a relatively paltry 80,000 posts from the private Russian company Internet Research Agency (IRA) were engulfed in literally trillions of posts on Facebook over a two-year period before and afterthe 2016 vote.

That was supposed to have thrown the election, according to the paper of record. In its 10,000-word article on Sept. 20, the Times reported that 126 million out of 137 million American voters were exposed to social media posts on Facebook from IRA that somehow had a hand in delivering Trump the presidency.

The newspaper said: “Even by the vertiginous standards of social media, the reach of their effort was impressive: 2,700 fake Facebook accounts, 80,000 posts, many of them elaborate images with catchy slogans, and an eventual audience of 126 million Americans on Facebook alone.” The paper argued that 126 million was “not far short of the 137 million people who would vote in the 2016 presidential election.”

But Consortium News, on Oct. 10, debunked that story, pointing out that reporters Scott Shane and Mark Mazzetti failed to report several significant caveats and disclaimers from Facebook officers themselves, whose statements make the Times’ claim that Russian election propaganda “reached” 126 million Americans an exercise in misinformation.

The newspaper failed to tell their readers that Facebook account holders in the United States had been “served” 33 trillion Facebook posts during that same period — 413 million times more than the 80,000 posts from the Russian company.

What Facebook general counsel Colin Stretch testified before the Senate Judiciary Committee on October 31, 2017 is a far cry from what the Times claims.”

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Democrat Franklin Roosevelt turned away thousands of Jewish refugees, Ocean liner St. Louis alone had 937 passengers, Hypocrite Democrats & Jews attack Trump 

Democrat Franklin Roosevelt turned away thousands of Jewish refugees, Ocean liner St. Louis alone had 937 passengers, Hypocrite Democrats & Jews attack Trump

“Human Traffickers and Criminal Elements in Caravan”…Chris Farrell, Judicial Watch

“exclusive information and photos from Guatemalan authorities revealing that they have recovered seven unaccompanied minors from human smugglers working inside the caravan.”…Judicial Watch

“We are being lied to on a scale unimaginable by George Orwell.”…Citizen Wells


As my mom always said “The guilty dog barks the loudest.”

The Democrats, including many Jews, have been attacking President Trump for doing his job and protecting the borders.

The Democrats, including members of the KKK, have a long history of human rights abuses.

Democrat Franklin Roosevelt turned away thousands of Jewish refugees before and during World War II.

From The Smithsonian.

“In a long tradition of “persecuting the refugee,” the State Department and FDR claimed that Jewish immigrants could threaten national security”

“World War II prompted the largest displacement of human beings the world has ever seen—although today’s refugee crisis is starting to approach its unprecedented scale. But even with millions of European Jews displaced from their homes, the United States had a poor track record offering asylum. Most notoriously, in June 1939, the German ocean liner St. Louis and its 937 passengers, almost all Jewish, were turned away from the port of Miami, forcing the ship to return to Europe; more than a quarter died in the Holocaust.

Government officials from the State Department to the FBI to President Franklin Roosevelt himself argued that refugees posed a serious threat to national security. Yet today, historians believe that Bahr’s case was practically unique—and the concern about refugee spies was blown far out of proportion.”

“These suspicions seeped into American immigration policy. In late 1938, American consulates were flooded with 125,000 applicants for visas, many coming from Germany and the annexed territories of Austria. But national quotas for German and Austrian immigrants had been set firmly at 27,000.

Immigration restrictions actually tightened as the refugee crisis worsened. Wartime measures demanded special scrutiny of anyone with relatives in Nazi territories—even relatives in concentration camps. At a press conference, President Roosevelt repeated the unproven claims from his advisers that some Jewish refugees had been coerced to spy for the Nazis. “Not all of them are voluntary spies,” Roosevelt said. “It is rather a horrible story, but in some of the other countries that refugees out of Germany have gone to, especially Jewish refugees, they found a number of definitely proven spies.””

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Fourteenth Amendment birthright citizenship, Trump right Ryan and other Democrats wrong, Alien parent(s) must be domiciled in US legally, Misquoted and misused to protect Obama and agenda

Fourteenth Amendment birthright citizenship, Trump right Ryan and other Democrats wrong, Alien parent(s) must be domiciled in US legally, Misquoted and misused to protect Obama and agenda

“Between these alternatives there is no middle ground. The constitution is either a superior, paramount law, unchangeable by ordinary means, or it is on a level with ordinary legislative acts, and like other acts, is alterable when the legislature shall please to alter it.”
“It is emphatically the province and duty of the judicial department to say what the law is. Those who apply the rule to particular cases, must of necessity expound and interpret that rule. If two laws conflict with each other, the courts must decide on the operation of each.”…Marbury V Madison

“We the people are the rightful masters of both Congress and the courts, not to overthrow the Constitution but to overthrow the men who pervert the Constitution.”…Abraham Lincoln

“We are being lied to on a scale unimaginable by George Orwell.”…Citizen Wells


Attorney Mario Apuzzo has done an oustanding job for years of clarifying the US Constitution and statutes in regard to US citizenship and Natural Born Citizen.

The following addresses the citizen birthright bestowed by the Fourteenth Amendment.

“In Article II, the Constitution demands the status of “natural born.” In the Fourteenth Amendment, it demands “born” in the United States and “subject to its jurisdiction” at the time of birth. Only a child born in the country (or its jurisdictional equivalent) to citizen parents can be an Article II “natural born” “Citizen of the United States.” Minor v. Happersett (1875). In contradistinction, a child born in the United States (or its jurisdictional equivalent) to one or two alien parents can under the Fourteenth Amendment be a “born” “citizen of the United States.” U.S. v. Wong Kim Ark (1989).  It should be noted that Wong Kim Ark also added in its holding that the alien parents of the U.S.-born child were domiciled in the United States.  The Court felt that the fact of domicile gave the United States sufficient jurisdiction over the parents which at birth spilled over to the child.”

There is a huge difference between visiting the US illegally and being legally domiciled here.

Legal definition: “Domicile is a person’s permanent place of dwelling. It is a legal relationship between a person and a locality. ”

state of domicile.: “The state in which a person has his/her permanent residence or intends to make his/her residence, as compared to where the person is living temporarily.”

Case closed!

Next subject.

Once again, Trump is right and the Democrats and spineless RINOs are wrong.


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