There are no werewolves in Texas... Right?
Research wizard John Shaney launches his career as a grad student at University of Texas, Austin planning to investigate how chemistry can transform human lives for the better. One moonlit night downtown, however, Shaney discovers unexpected and more pleasurable mysteries surrounding one Lila May Wulfhardt and her well-heeled, eccentric family while crossing paths with something more ancient than love and money, something that also wants to change the lives of hapless locals. John Shaney’s world is about to become seriously weird and deadly dangerous, yet ultimately transformative.
Werewolf, Texas is a gripping and vividly dark story of a blood-thirsty dynasty set on preserving their power. With Palladino’s unique voice, this grim love tale explores the not-so-secret dark world of the Wulfhardt family.
“The blues had a baby and they called it rock ‘n’ roll,” said the great Muddy Waters.
But what was the firstborn? What was the first rock ‘n’ roll record?
Using this question as their starting point, writer Jim Dawson and DJ Steve Propes nominate 50 recordings for that honor. Beginning with a 1944 Jazz at the Philharmonic recording, “Blues,” and ending with Elvis Presley’s “Heartbreak Hotel,” What Was the First Rock ‘n’ Roll Record? Profiles some of the most important and influential recordings in rock’s history.
For each nominee, Dawson and Propes provide chart positions, labels, recording information, and an explanation as to why it might qualify as the first. Lesser known milestones like “Open the Door, Richard” and “Rocket 88” appear here alongside acknowledged classics like “Shake, Rattle, and Roll” and “Rock Around the Clock,” and many forgotten artists are restored to their rightful place in rock’s pantheon. The result is a provocative and entertaining guide to the earliest days of rock ‘n’ roll.
This 30th anniversary updated and revised edition brings to light new and surprising details about the songs, albums, and artists that are vying for the honor of being the first rock ‘n’ roll record.
In the summer of 2000, a small fire in a condo basement in Malden, Massachusetts, seemed like just another routine call. But behind the smoke was something far more disturbing—a violent scene with no victim in sight. Detective Lieutenant Bill Powers of the Massachusetts State Police and his team of seasoned investigators joined forces with local detectives to uncover what happened in that quiet building.
As the team dug deeper, they faced a complex case without a body, a confession, or clear answers. Clues came slowly: strange behavior from a tenant, a missing person no one had reported, and a hidden crime scene soaked not only in water and gasoline—but in blood. With persistence and teamwork, they traced the path of a young woman, Kelly Hancock, a runaway who had vanished without a trace.
This book follows every step of the investigation, from the moment firefighters broke down the door to the final verdict in a packed courtroom. Along the way, it reveals the work of detectives, prosecutors, forensic scientists, and everyday people who helped bring justice to a victim whose voice was almost lost.
Told with care and clarity, When the Smoke Cleared isn’t just about solving a murder—it’s about what it takes to stand up for someone when no one else will.
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<h1 class="center" id="c2">Prologue</h1>
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<div class="indent">Jolo, Sulu Archipelago</div>
<div class="indent">The Philippines</div>
<div class="indent">The Battle of Bud Bagsak</div>
<div class="indent">July 15, 1913</div>
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<h2 class="center sigil_not_in_toc">Day Four</h2>
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<div>It was like being wide awake and being caught in the middle of a nightmare.</div>
<div class="indent">How many hours had it been?</div>
<div class="indent">He wished he knew. It was as if time itself had stopped.</div>
<div class="indent">The sweat poured out of Jim Bishop so copiously that it felt like a steady stream of water being poured over his face. His eyes burned and he had to keep blinking to try and clear his vision, but it was no use. The cloying moisture clung to his eyelids. His lips tasted the constant saltiness. It was their third trip up the mountain that day, and once again, their advance stalled as the crater came alive once more. One moment it was all green bushes, thick shrubbery, and clusters of trees and temporal placidity, and the next instant it gave way to a surging wave of brown men dressed in red loincloths and accompanying red headbands, their veins bulging out in bas-relief along limbs bound tight by constricting ligatures and vines. The Moros, or the <i>pulajans</i> as the Filipino Scouts called them, seemed to rise up from behind every bush, every tree, virtually from the dark earth itself. The surge of humanity descended from the lip of the crater, brandishing their razor-sharp <i>talibongs</i>. The rhythmic chant, “<i>Tac-tac, tac-tac, tac-tac</i>,” sounded in unison like an advancing drumbeat.</div>
<div class="indent">Tac-tac, tac-tac, tac-tac—Tagalog for Cut-cut, cut-cut, cut-cut.</div>
<div class="indent">And that’s what they did.</div>
<div class="indent">Jim stopped and raised the muzzle of his Winchester 1897 shotgun, racking the slide back and then forward to chamber a round.</div>
<div class="indent">The man next to him, a young lieutenant who’d just arrived in the country two weeks ago, turned and darted to his right toward the cover of a cluster of trees perhaps ten yards away. From the corner of his eye Jim saw the young officer’s foot snare the elongated vine trigger.</div>
<div class="indent">“Sir,” Jim yelled, taking his eye off the enemy for a split second. “Don’t move!”</div>
<div class="indent">But his warning was a millisecond too late.</div>
<div class="indent">The vine trigger snapped and released a twisted branch in a horizontal arc, sending a row of sharpened spikes into the lieutenant’s body with a sickening thump.</div>
<div class="indent">The officer cried out, but the sound was reduced to a pathetic gurgle as he went limp, bouncing off the branch and flopping down onto his back. A trio of gaping holes, already filling with blood, was stitched across the front of his brown uniform shirt. His legs convulsed, like he was still on his feet, still trying to move away, but with each movement more blood and slithering intestines seeped out of his wounds.</div>
<div class="indent">Jim ran to the man, but could tell he was dying.</div>
<div class="indent">He wanted to offer some comfort, some assurance that it would be all right, but he couldn’t bring himself to lie. A few seconds later, he saw that it didn’t matter anyway. Vacuous eyes, still wide open from the shock, stared directly upward, unflinching under the unbearably bright sun as it shone down.</div>
<div class="indent"><i>Dead</i>, Jim thought.</div>
<div class="indent">There was no time for sentiment or mendacious words</div>
<div class="indent">The ominous mantra continued unabated: “Tac-tac, tac-tac, tac-tac . . .”</div>
<div class="indent">The Moros were almost upon them. The sons of bitches were savages, fighting with bows and arrows and spears and traps. They had some guns, but not a lot, and those huge talibong knifes could chop you apart with one solid swing. They gave no quarter, nor did they expect any. Worst yet, they kept the families with them like human shields—old men, women, children. It was sickening.</div>
<div class="indent">Shots rang out to Jim’s left.</div>
<div class="indent">From his kneeling position by the dead lieutenant, he raised the shotgun, aimed at the nearest advancing <i>pulajan</i>, and pulled the trigger. The double-aught buck load ripped into the Moro’s side, tearing a large swath of skin and a hunk of meat away. The Moro stumbled for two steps as his mouth twisted into a scowl, the talibong still raised above his head.</div>
<div class="indent"><i>Damn, these Moros are tough</i>, Jim thought as he worked the slide and chambered another round. The oblong blade caught a glint of sunlight for a moment before descending in an oblique arc.</div>
<div class="indent">The shotgun discharged again and this time the pulagam went down, enveloped in a crimson mist.</div>
<div class="indent">Jim felt the flecks of blood and body tissue dapple his face as the world suddenly went silent for several seconds.</div>
<div class="indent">Another one came at him.</div>
<div class="indent">A shotgun boomed off to his left.</div>
<div class="indent">Larry Rush was next to Jim now, the trail of smoke trickling upward from his shotgun muzzle as the advancing Moro’s head exploded like a muskmelon struck by an axe handle. The man did an awkward, headless pirouette as he went down. Rush chambered another round and moved next to Jim.</div>
<div class="indent">“The lieutenant dead?” Rush asked. He was shouting, but his voice still sounded far away.</div>
<div class="indent">Far away . . .</div>
<div class="indent">If only they could all be far away.</div>
<div class="indent">Jim grunted a response as he sighted in on another rushing Moro and fired.</div>
<div class="indent">Three more advanced from the left. Rush swiveled and blasted one, but the second one did a stutter-step, leaned back, and hurled a long bamboo spear. It sailed toward them. The next instant Rush dropped his weapon and grabbed his thigh as the pointed tip of the spear tore through the inner part of his pant leg. He toppled over, his eyes rolling back into his head.</div>
<div class="indent">Jim turned and fired. The rounds took down the assailant, but two more were closing in on them. He fired once more. One of the oncoming Moros took the hit in the side, but kept advancing, taking three slack steps before collapsing. Jim racked the slide back and then forward, chambering what he knew was his last remaining round, and fired again. The blast hit the closest man. He jerked forward, then curled into a fetal position as he fell to the ground.</div>
<div class="indent"><i>No more ammo</i>, Jim thought, gripping the Winchester’s hot barrel and stock. Despite the overheated metal searing his skin, he managed to bring the rifle up just in time to block the descent of another Moro’s two-foot-long talibong. The solid blade chunked into the wooden slide, splintering it. Jim twisted the rifle free and simultaneously rammed the base of the stock into the Filipino’s face. The man’s jaw jerked out of alignment and he paused just long enough for Jim to kick him in the groin as hard as he could. The Moro grimaced but drew back the large knife, ready to take another deadly swing.</div>
<div class="indent">A split-second burst of fire and smoke whipped between them, and the Moro’s head snapped to the side as a shot rang out. Rush had managed to pull out his long-barreled Colt .45 revolver and fire it. Jim dropped the Winchester and drew his own revolver. Cocking back the hammer, he fired at the next group of advancing Moros. A burst of red blossomed on one man’s upper torso, just under his clavicle, but that didn’t stop him. A diagonal constricting loop of twine bisected the man’s chest, limiting the bleeding and enabling him to keep moving. Jim adjusted his aim, lining up the rear, M-shaped sight on the revolver with the single bar of the tip of the barrel.</div>
<div class="indent">“Keep them damn sights flat across the top,” his drill sergeant had yelled at him in basic training.</div>
<div class="indent">He squeezed the trigger. His next round pierced his adversary’s right eye.</div>
<div class="indent">He fired four more times with undetermined results. The short, sweaty bodies kept coming, like a brown tidal wave capped with red. Jim turned to reach for Rush’s gun but saw his was empty, too.</div>
<div class="indent"><i>The lieutenant</i>, Jim thought. He sidestepped to the right and knelt beside the fallen officer. His fingers scrambled to undo the dead man’s flap holster before feeling a textured grip. He pulled the weapon out and saw it was one of those new 1911 semiautomatic pistols, something only a few of the officers had. They were supposedly sitting in crates in New York Harbor or someplace, their distribution to the troops in the Philippines delayed by yet another layer of bureaucratic inefficiency. It was rumored that a few, a very few, of the officers had managed to sneak a special shipment in, and that was apparently true. The magazine purportedly held seven rounds, but Jim had never fired one.</div>
<div class="indent"><i>No time like the present to learn</i>, he thought as he brought the pistol up, aimed, and squeezed the trigger.</div>
<div class="indent">Nothing.</div>
<div class="indent">In desperation he cocked back the hammer and tried again.</div>
<div class="indent">The next trio of Moros was almost on top of them.</div>
<div class="indent">The hammer clacked down and still the weapon didn’t fire.</div>
<div class="indent">Was it a dud?</div>
<div class="indent"><i>No</i>, he thought. <i>It’s just like a shotgun.</i> <i>There’s no round in the chamber.</i></div>
<div class="indent">Gripping the row of vertical lines on the rear of the slide, he racked it back, felt it catch, and then whip forward.</div>
<div class="indent">The Moro was raising his talibong over Rush’s supine body when this time the Colt’s round pierced the area just under the pulagam’s left armpit. The Moro fell like a marionette whose strings had been abruptly severed. Jim adjusted his aim and fired two more rounds, putting one into each of the advancing would-be killers. He dropped to one knee and frantically searched the dead lieutenant’s pouch for more magazines.</div>
<div class="indent">Suddenly the sound of distant thunder rumbled accompanied by a screaming sound. Another set of rumbles along with more whistles and a burst of explosions echoed further up the ridge, by the mouth of the crater.</div>
<div class="indent"><i>Artillery</i>, Jim thought. <i>Blackjack’s got the 40th zeroed in on them</i>.</div>
<div class="indent">He felt a surge of hope as the area along the lip of the crater, where he knew the last Moro stronghold was, erupted in more roiling clouds of dust.</div>
<div class="indent">The Moro advance suddenly halted, their heads rotating back toward the spiraling dust clouds farther up the hill, their eyes widening in horror.</div>
<div class="indent">Jim knew their families, the women, the children, the elderly, were all up there in this last cotta. They had nowhere left to run. Orders were to wipe them all out.</div>
<div class="indent">A company of Filipino Scouts, their brown uniforms drenched with sweat, streamed forward from the right flank and the left, their rifles barking fire, their bayonets fixed. They’d taken the brunt of the Moros’ attacks before and now they’d regrouped. From the look on their faces, no quarter would be given.</div>
<div class="indent">Nor none expected.</div>
<div class="indent"><i>Thank God</i>, he thought. <i>Maybe this nightmare is going to be over with now.</i></div>
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<div class="center">***</div>
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<div class="indent"><i>Historical Note</i></div>
<div>The final siege then started at seventeen-hundred-oh-five hours. Three hours later it was over.</div>
<div class="indent">Or was it?</div>
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1913. Veteran Jim Bishop takes a job with a motion picture company that is filming a movie based on a famous western gunfight. As the filming proceeds, Jim begins to wonder what really happened in Contention City, Arizona, those thirty-three years ago.
1880. In the actual Contention City, Sheriff Lon Dayton is contacted by the notorious Dutch Bascom regarding the territorial governor’s proclamation of amnesty for Bascom and his gang. Dayton has no choice but to walk the tightrope balancing the alleged intentions of the outlaws against the promises of the unscrupulous politicians and railroad men who claim to be in favor of the outlaw’s surrender. But are they really?
These information documents for each of the official Trade Mark of Quality releases includes the known details for each genuine TMQ title. This includes the TMQ catalogue number, artist, record title, track list, musicians, venue, recording date, master tape and record matrix info and the other particulars for each album.
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<div class="center"><img src="https://cdn.shopify.com/s/files/1/0301/3604/1571/files/cover_956e9135-dc74-4170-9f7d-25246355796d.jpg?v=1726351704" alt="You Paid For This by Richard Wickliffe"/></div>
<h1 class="center" id="c3">Chapter One: The SIU</h1>
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<div>Imagine you’re at a neighborhood party. Stan, the nondescript neighbor you never talk to, approaches. Unsure what to say, you attempt, “Hi… Stan. How’s work?”</div>
<div class="indent">“My work?” Stan beams. “I got a great insurance story!” He moves into your space to drone on about his days navigating the rigors of risk management.</div>
<div class="indent">At that point, you either plan to fake a phone call or pray your significant other shouts, “It’s time to heat your casserole.” Anything but being cornered with insurance stories. Is anything more boring than an insurance person talking about their job? After all, it’s a product that’s only used when you’ve experienced a terrible loss—perhaps a car crash, fire, theft, injury, or death. Who wants to dwell on that?</div>
<div class="indent">I’m hoping to change that perception. My decades of combating insurance crimes have revealed a fascinating investigative niche unknown to most of the public. Our cases were filled with creativity, amusement, and sometimes pure evil. And even more significant, the cases financially impacted every one of our lives.</div>
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<div class="indent">For a quarter century, I investigated insurance fraud, based out of Miami—which, as you may or may not know, has had a small fraud problem.</div>
<div class="indent">Former Governor Rick Scott described “Florida’s embarrassing problems” with its insurance system. While describing a $910 million scheme, he coined the term “fraud tax” to describe the financial burden these crimes place on all consumers.<sup><a href="ypft_0054.html#n1-2" id="r1-2">[2]</a></sup></div>
<div class="indent">For the first five years, I investigated a broad range of fraudulent property and injury cases. For the following twenty, I managed diverse teams of insurance investigators for the largest property/casualty insurer in the United States, representing over 9 percent of the market, and a global top-ten carrier based on revenue.</div>
<div class="indent">Not for one moment was the job boring or routine. What other career could possibly lead to dealing with organized crime rings, art and jewelry theft, staged accidents, human trafficking, and faked deaths? We had to investigate without having a badge, a gun, or any real authority. Law enforcement had no duty to help us, though many times our cases intersected. We were the unsung heroes of the company’s SIU (Special Investigation Unit).</div>
<div class="indent">I must pause the swelling orchestra to issue a disclaimer that none of the following statements, narratives, or opinions reflect those of my former company. I will not disclose any confidential or proprietary information or trade secrets or name any specific carrier unless notated, and I have changed the names of parties and companies unless otherwise cited. The described scenarios are all true, and I will discuss how to avoid being a victim of the same crimes in our personal lives.</div>
<div class="indent">So, what is an SIU? It is a division within an insurance company that investigates potentially fraudulent insurance cases. SIUs are at the forefront of the ongoing fight against insurance crimes. Their job is to detect, deter, and pursue actions against fraudulent activities. SIU professionals who investigate insurance crimes are also employed by federal, state, or local law enforcement and anti-fraud organizations such as the NICB (National Insurance Crime Bureau).</div>
<div class="indent">Insurance fraud is probably as old as the carpenters who inflated repair costs after Noah’s flood, but the first formal SIU was established in Massachusetts by Kemper Insurance in 1976.<sup><a href="ypft_0054.html#n1-3" id="r1-3">[3]</a></sup> The primary concern at the time was auto-related fraud. Next, with larger property losses, arson became the focus of most SIU teams. Then came the shift into injury, medical, healthcare, and even organized crime.</div>
<div class="indent">Today, virtually all insurance companies worldwide have established SIU teams to help protect the financial integrity of their businesses. Most states have passed legislation mandating that insurance companies establish SIUs, as well as requiring anti-fraud training, essentially asking the carriers, “So, what are you doing about it?”</div>
<div class="indent">For the state in which I was housed, Florida Statute 626.9891, also known as the Fraudulent Insurance Act, mandated every insurer admitted to the state shall create anti-fraud units to investigate and report fraudulent insurance acts, or contract with a third party to investigate possible fraudulent acts. <sup><a href="ypft_0054.html#n1-4" id="r1-4">[4]</a></sup></div>
<div class="indent">With the creation of SIU teams, carriers needed to staff them with experienced people trained to investigate, take statements, and knock on doors, sometimes in unsavory areas. Therefore, employees couldn’t be easily intimidated and would have to work professionally with attorneys and law enforcement.</div>
<div class="indent">SIU teams also serve as liaisons to law enforcement including local and state police, FBI, fire marshals, Coast Guard, and ATF, as well as attorneys, surveillance experts, forensic analysts, and private investigators. Their relationships with experts in those fields are their greatest assets.</div>
<div class="indent">SIU representatives are not any sort of law enforcement. There are no badges, and they can’t make arrests. They are employees with specialized investigative training who represent the carriers. Many times, fraud is committed by people who aren’t the policyholders, such as medical clinics, unscrupulous attorneys, organized crime rings, body shops, dishonest agents, or our newest class of perpetrator: cybercriminals.</div>
<div class="indent">Regrettably, there’s job security in the field of fraud investigation—and it’s on the rise. According to 2022 data from the Insurance Information Institute<i>,</i> about 75 percent of insurers stated fraud has increased significantly, with an 11-point increase since 2014. <sup><a href="ypft_0054.html#n1-5" id="r1-5">[5]</a></sup></div>
<div class="indent">To keep up, a cottage industry of fraud detection firms has grown at a similar pace. The insurance fraud detection market, an entire industry of fraud analytics, is estimated to be a $912.3 million market in the U.S. alone, expected to grow 13.7 percent from 2019 to 2025.<sup><a href="ypft_0054.html#n1-6" id="r1-6">[6]</a></sup></div>
<div class="indent">Here are some facts to enlighten you on the crisis:</div>
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<div class="margin">Right now, you and every one of your family members are paying over $932 per year in increased premiums just to fund insurance fraud. That’s nearly $3,800 for a family of four.<sup><a href="ypft_0054.html#n1-7" id="r1-7">[7]</a></sup></div>
<div class="margin">Fraud occurs in about 10 percent of all property/casualty losses.<sup><a href="ypft_0054.html#n1-8" id="r1-8">[8]</a></sup></div>
<div class="margin">Non-medical insurance fraud is estimated at $45 billion per year. <sup><a href="ypft_0054.html#n1-9" id="r1-9">[9]</a></sup></div>
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<div class="indent">In the following chapters, I’ll describe various cases, categorized by type and escalating in severity. Most are cases that our SIU teams or I investigated; others are from our colleagues in the industry.</div>
<div class="indent">I’ll begin with routine burglaries, including “art theft on the high seas.” It’ll escalate into arson for profit, the monstrous acts of some arsonists, and even ritual sacrifices gone wrong. Then we’ll move on to organized crime, including the Russian mob’s varied enterprises. I’ll illustrate boat theft schemes and their use in human trafficking. We’ll shift to the rise of illicit medical clinics. Then we’ll recover sunken cars that contain haunting secrets. I’ll explain how not to fake your death, and I’ll conclude with my team’s role in the terrifying Pain & Gain double murder case (complete with robbery, extortion, and torture). I told you there was never a boring day.</div>
<div class="indent">Bottom line: Greed and opportunity continue to increase insurance crimes. Laws and corporate responsibility have hardened the need for SIU investigators as the schemes grow more creative, complex, brazen, and sometimes deadly.</div>
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Embark on a gripping 25-year journey delving into the author's investigation of insurance crimes in Miami, spotlighting Special Investigation Units (SIU) –an investigative world invisible to most, yet one for which we all pay.
In YOU PAID FOR THIS, Richard Wickliffe takes the reader from routine burglaries to art theft on the high-seas, arson for profit, and even failed ritual sacrifices. He describes a variety of cases he encountered, including the Russian mob and organized crime, boat thefts linked to unconscionable human trafficking, sunken cars that conceal deadly secrets, and the pitfalls of faking one's death. The book culminates with the SIU's involvement in Miami's harrowing Pain & Gain double murder case, featuring kidnapping, extortion, and mutilation.
With an informative yet witty tone, YOU PAID FOR THIS exposes the creative and chilling facets of insurance crimes, cautioning and advising readers on how to protect themselves from potential victimization in their own lives.
