Paid in Full
Claim:  A debtor can discharge his obligations by sending his creditor a check made out for a fraction of the amount owed with the words 'Paid in full' written on it.  Example:  [Los Angeles Times, 2002]  A friend of a friend has racked up credit card debt and student loans totaling $100,000. Not securely employed, she has been planning on continuing her dinners out, lavish shopping trips, a car purchase and vacations, figuring it all will get wiped out soon enough. She says she is working with a lawyer who advised her to write $10 checks to all her creditors, with a note saying "paid in full" on the check. Origins:  "Get rich quick" (or, in this case, "get poor more slowly") schemes never seem to lose their appeal, even though common sense should warn that if getting rich quickly were truly so easy, everyone would be  wealthy. Obviously, if getting out of a debt were as simple a matter as executing the method described above, no one would ever lend money or extend credit.  Nonetheless, these schemes maintain their hold on the public because people are willing to entertain the fiction that they're a form of "secret knowledge"  that such loopholes do exist because only a select few are smart enough to know about and take advantage of them. It's not uncommon for creditors to agree to settle debts for less than the full amount due.  After all, some payment is better than none, and if debtors can be encouraged to pay at least a portion of their debts back through promises that they will relieved of any further financial obligations towards their creditors, then both sides come out ahead.  Better to accept a fraction of what you're owed than to risk your debtor's declaring bankruptcy or choosing to pay off other debts instead, leaving you with nothing. For such arrangements to be valid, however, both sides must agree to them.  A debtor cannot unilaterally declare a partial payment to be "payment in full" simply by attaching a note with those words to his check or writing them in the memo field and assuming that if the creditor fails to notice the notation then the entire debt has been discharged: This "paid-in-full" nonsense has achieved the status of urban legend, says J. Scott Bovitz, a Los Angeles bankruptcy lawyer. A creditor sometimes will reduce a claim for a disputed payment, but this kind of settlement usually won't happen if the debtor acts in bad faith, Bovitz says. The act of writing "paid in full" on a $10 check pretty much defines the term "bad faith." Section 3-311 of the Uniform Commercial Code does state that a debt can be discharged with a check designated as payment in full "if the person against whom the claim is asserted proves that the instrument or an accompanying written communication contained a conspicuous statement to the effect that the instrument was tendered as full satisfaction of the claim."  However, it's up to the claimant to prove "that within a reasonable time before collection of the instrument was initiated, the claimant, or an agent of the claimant having direct responsibility with respect to the disputed obligation, knew that the instrument was tendered in full satisfaction of the claim."  So if you receive a check marked "paid in full" made out for less than the amount you have agreed upon, you'd best not cross out the words "paid in full" or write "disputed" on it and cash it anyway, as you risk having the entire debt discharged.  However, this condition does not apply to "transactions conducted or performed, in whole or in part, by electronic means or electronic records, in which the acts or records of one or both parties are not reviewed by an individual in the ordinary course [of business]," which means that this scheme will not work at all for most bill or credit card payments, as those payments are typically handled by automated systems and not humans. Uniform Commercial Code The best method for paying off debts with small payments remains not to run up large debts in the first place. Last updated:  18 April 2011
Shortly after Democrat Raphael Warnock was announced the winner of one of Georgia's two Senate runoff races on Jan. 6, 2021, putting the Senate majority within the party's reach, U.S. President Donald Trump attempted to cast doubt on the integrity of the election by claiming poll workers mysteriously uncovered 50,000 ballots overnight. He said in a tweet: was announced Donald Trump tweet They just happened to find 50,000 ballots late last night. The USA is embarrassed by fools. Our Election Process is worse than that of third world countries.   The post was part of the president's long-spanning misinformation campaign (including the above-displayed tweet) to convince Americans of an illicit, coordinated scheme by Trump's political enemies to undermine him, even though nothing of the sort was taking place. long-spanning misinformation campaign Snopes debunked similar assertions by Trump that secretive late-night vote "dumps" helped his opponent in the 2020 presidential election, Democrat Joe Biden, win key battleground states. similar assertions key battleground states As was the case then, Georgia voters' heavy reliance on mail-in voting instead of in-person polls  to reduce the risk of catching COVID-19  increased the chances of voting results shifting significantly late at night, as poll workers counted more ballots. That phenomenon was not a result of a conspiracy against Trump, but rather a product of a Georgia law that prohibits poll workers from counting any ballots until after polls close. Georgia law The Associated Press reported on Jan. 4, the day before the special election: Associated Press Absentee ballots must be received by the close of polls to be counted. Military and overseas ballots postmarked by Tuesday and received by Friday will be counted, and absentee voters also have until Friday to fix any problems so their votes can be counted. No ballots, including absentee ballots received in advance of Election Day, can be counted until the polls close. [...] In a close contest, look for the Republican candidate to jump out to an early lead. That due to two factors: First, Republican areas of the state usually report their results first. Second, Republican voters have been more likely to vote in person, either on Election Day or during the early voting period. Many counties release those in-person results first. Meanwhile, heavily Democratic counties, including Fulton, DeKalb and Chatham counties, historically take longer to count votes.  In regards to the president's assertion regarding a "dump" of 50,000 ballots to supposedly undermine Republican candidates Sens. Kelly Loeffler and David Perdue, specifically, Snopes found no evidence to support the allegation of voter fraud, and Georgia election officials refuted such claims.  "Election Day for the Georgia Senate runoffs has progressed with few issues and almost nonexistent wait times," the Georgia Secretary of State said in a news release. news release Below is our evidence for that conclusion. Just hours after polls closed, some elections officials statewide finished processing and tabulating ballots, and the public learned which candidate received the majority of votes in those counties. Meanwhile, ballot counting in other precincts remained ongoing. The Atlanta Journal Constitution reported at 9:30 p.m.: reported Its still early, but Republicans are increasingly antsy about their chances. Early returns are showing U.S. Sen. Kelly Loeffler and David Perdue underperforming in important GOP strongholds in rural areas and the exurbs. And turnout in Democratic bastions is nearing November general election levels in some left-leaning rural counties that have already reported most of their results. By 11 p.m., the newspaper said, election workers had tallied more than 300,000 votes, and only a small number of precincts were outstanding. Shortly afterwards, as Atlanta's DeKalb County uploaded its voter tallies, some news outlets, including Vox, declared Warnock the winner. He led Loeffler by about 37,000 votes, with 97% precincts reporting, according to the AJC. "Of the outstanding votes left to count, many were expected to come in from Democratic strongholds in DeKalb and Fulton counties," the newspaper reported.  At 12:49 a.m., NBC was the first major news network to announce Loeffler had no statistical chance of overcoming Warnock's margin of victory. National news outlets including The Associated Press, CNN, and ABC News quickly followed suit.   At 2 a.m. the AJC reported Fulton County election officials were calling it a night and preparing to count the last rounds of ballots in the morning. In all, about 25,000 mail-in ballots remained uncounted across the state, with the bulk in the Atlanta metro area, according to preliminary estimates from the Secretary of States office. In other words, voting spikes occurred over the course of hours, late at night, for predictable reasons. Counting in multiple Democratic strongholds, as well as several smaller and more conservative-leaning counties, resumed by 6:45 a.m. on Jan. 6, according to the newspaper. Shortly after the president's tweet about poll workers nefariously "finding" 50,000 ballots, Gabriel Sterling, a Republican who oversees voting systems for the secretary of states office, highlighted evidence showing typical voter returns based on the state's estimated number of absentee voters. He said in a tweet: No Mr. President, there werent found ballots. We have known the number of advanced votes since this weekend. We saw record Election Day turnout. As of Monday 970,000 absentees had been accepted. 31k more were added in yesterdays totals. That leaves 60k that came in yesterday.   In sum, considering Sterling's direct refutation of Trump's claim, as well as the fact that no evidence exists to prove the president's conspiracy theory about 50,000 ballots, and all proof showed predictable vote-counting processes in the early morning hours of Jan. 6, we rate this claim "false." On 3 May 2018, the "Occupy Democrats" Facebook page posted a meme which claimed that the president had violated the constitutional separation of church and state by setting up a "religious office": meme   President Trump did sign an executive order in May 2018 to establish a new faith-based initiative within the White House, but nobody from his administration called it a "religious office"  that description appears to have come from Occupy Democrats.  Furthermore, Trump's initiative represents significant continuity of, rather than a departure from, the previous two administrations. Although every detail and working of the new initiative has not yet been outlined, it certainly does not represent a radical change. Trump's White House Faith and Opportunity Initiative bears a striking resemblance to the White House Office of Faith-Based and Community Initiatives, which George W. Bush set up in 2001, and which Barack Obama continued during his administration but renamed the White House Office of Faith-Based and Neighborhood Partnerships.  set up renamed In brief, Trump's executive order  which he signed on 3 May 2018, the National Day of Prayer  replaces the White House Office of Faith-Based and Neighborhood Partnerships with the White House Faith and Opportunity Initiative, keeping it within the Executive Office of the President of the United States.  executive order The executive order also sets out the following: Beyond that, Trump's order is somewhat vague on the exact workings of the initiative and the duties of the advisor who will lead it: One potentially significant provision in the executive order calls for those in charge of the Faith and Opportunity Initiative to contact the Attorney General if they see potential executive branch violations of a religious liberty memorandum published by Attorney General Jeff Sessions in October 2017.  The Sessions memorandum reiterated the positions set out by Trump in an earlier executive order, in which the President wrote: memorandum executive order It shall be the policy of the executive branch to vigorously enforce Federal laws robust protections for religious freedom.... All executive departments and agencies (agencies) shall, to the greatest extent practicable and to the extent permitted by law, respect and protect the freedom of persons and organizations to engage in religious and political speech.  President Trump has prioritized enhancing legal protections for religious freedom, including when it comes to obligations placed on faith-based organizations that receive federal funding, the freedom of employers and employees to abstain from practices (particularly in health care) which they feel compromise their religious beliefs, and in calling for an end to the Johnson Amendment, a long-standing provision that bars religious 501 (c)(3) non-profit groups from engaging in electoral activism. prioritized provision In his 2001 executive order establishing the Office of Faith-Based and Community Initiatives, President George W. Bush emphasized that a driving force behind the policy was a desire to "level the playing field" in the disbursement of federal funding, and enhance the funding opportunities available for religious non-profit organizations  especially those focused on poverty, addiction, crime and other social issues: executive order The paramount goal is compassionate results, and private and charitable community groups, including religious ones, should have the fullest opportunity permitted by law to compete on a level playing field, so long as they achieve valid public purposes, such as curbing crime, conquering addiction, strengthening families and neighborhoods, and overcoming poverty. This delivery of social services must be results oriented and should value the bedrock principles of pluralism, nondiscrimination, evenhandedness, and neutrality. The Occupy Democrats meme is largely accurate. In May 2018, Trump did indeed establish an initiative within the White House which would give faith-based organizations what the administration called a "voice in the White House." However, the description of the initiative as a "religious office" did not come from the Trump administration itself, and that is not its official name. called Furthermore, Trump's 2018 initiative represents significant continuity from predecessor offices set up by George W. Bush in 2001 and Barack Obama in 2009, although the exact focus, workings, and influence of Trump's initiative remain to be seen. On 5 May, the "Being Liberal" Facebook page and web site published an article with the headline "Trump quietly signed an Executive Order allowing government to fund religious groups." article This is very misleading, and ignores the fact that the federal government has been providing grants, funding and tax write-offs to religious non-profit organizations for many years, including during the Obama administration. Trump's creation of the White House Faith and Opportunity Initiative did not usher in that state of affairs.  Bush, President George W. "Executive Order 13199 -- Establishment of White House Office of Faith-Based and Community Initiatives."
 The American Presidency Project/UCSB. 29 January 2001. Obama, President Barack. "Executive Order 13498 -- Amendments to Executive Order 13199 and Establishment of the President's Advisory Council for Faith-Based and Neighborhood Partnerships."
 Federal Register. 5 February 2009. Trump, President Donald J. "Executive Order on the Establishment of a White House Faith and Opportunity Initiative."
 White House. 3 May 2018. Sessions, Jeff. "Memorandum for All Executive Departments and Agencies -- Federal Law Protections for Religious Liberty."
 Office of the U.S. Attorney General. 6 October 2017. Trump, President Donald J. "Presidential Executive Order Promoting Free Speech and Religious Liberty."
 White House. 4 May 2017. White House. "Fact Sheet -- President Donald J. Trump Stands Up for Religious Freedom In the United States."
 White House. 3 May 2018. Updated [8 May 2018]: Added examination of "Being Liberal" article. On 17 July 2016, the web site Newslo reported that Indiana governor Mike Pence, the newly-announced running mate of GOP candidate Donald Trump, had said allowing rape victims to have abortions would lead to women trying to get raped in order to have abortions: reported The Republican war on women continues unabated. The same week that conservatives argued in the Supreme Court that employers should be able to stop their employees from getting contraception outside of the company health plan, Indiana joined the ranks of states like Texas and Florida in passing a draconian law that purports to protect women, while in fact, endangering their health by making safe abortion much harder to get. And Gov. Mike Pence recently signed it. The bill is stuffed with as many asinine restrictions on abortion with an eye towards making abortion as miserable and humiliating an experience as possible, and ideally something women cant get legally at all. ... Pence also tried to offer his opinion on what would have happened had he allowed rape victims to still have abortion. First and foremost, because this is such a sensitive topic, let me just say that I sympathize with rape victims not just in America, but around the world. I can only imagine what it must be like to experience such trauma, he said. However, that does not justify murder, not even that justifies murdering a baby, not in my book. Because what would happen? Wed then have an epidemic of women claiming to have been raped just so they could have an abortion. And that has to be stopped at all cost. Donald Trumps new running mate also said, Basically, if Id have said no on the bill, that would be just like giving out get-pregnant-without-fear cards, because at the end of the day, women could have unprotected sex without worrying about what theyd do in the event of pregnancy. And you know, its not supposed to be like that ... And it gets worse  when you get an abortion, you get several days off of work and whatnot to recover. And there are a lot of crazy people out there. What if women would go out and get raped on purpose just so they could get off work? I mean, Indianas economy is struggling as it is, and having thousands of women absent from their jobs would be horrific for the state, Im telling you. I made the right call and that will be confirmed in the long run, Pence concluded. As with all content on Newslo (and its sister sites Religionlo and Politicalo), the item used a fact-based introduction to lead into counterfactual information. Pence did sign anti-abortion legislation in May 2016 but like all content published by that trio of fake news sites, the article included a "show facts" or "hide facts" button (all content displayed by default in "hide facts" mode): sign fake news  While the facts of the first paragraph were broadly true (as Pence had signed an abortion bill a few months prior), the remainder of the piece was embellished or entirely fabricated. Pence never said that women would attempt to get raped in order to have an abortion, to obtain days off work or for other reasons.  Newslo  Newslo Viagra Biblical hunger tests Antonin Scalia David Bowie In June 2021, messages started to circulate on social media claiming that the country of Jamaica had banned K-Pop music.  circulate on social media Jamaica has not banned K-pop. This claim originates with a satirical article that was published in 2018 on the website 8satire.com.   In addition to having "satire" in the website name, 8satire.com (which previously published content as "8shit") also carries a disclaimer labeling its content as fiction: 8Shit is a satire news and humor website. All its content is fiction (except those posts under the serious category) and shouldnt be taken as real. All references, names and marks or institutions in this website are used as contextual elements, like in any novel or science-fiction story. It should also be noted that while Jamaica is most famous for Reggae music, Jamaicans enjoy a variety of different musical genres. The Jamaican Observer reported in 2019 that a K-Pop party hosted by the Embassy of the Republic of Korea in Jamaica was well-attended by young Jamaicans: Jamaican Observer reported Despite South Korea being approximately 13,473 km away from Jamaica, the K-pop wave has breached Jamaican shores. Last September the Embassy of the Republic of Korea in Jamaica hosted its annual K-Lovers' Party and Talent Competition and its inaugural Korean Language Speech Competition. The events were well-attended by young Jamaicans who openly expressed their love for Korean culture by singing along to popular K-pop tracks in the Korean language, dancing to the music, and participating in the two competitions. It was surprising to see the display of talent, particularly because there are not many places to learn Hangul, the Korean language, in Jamaica. The events represented the growing interest in Korean culture among the Jamaican youth. As she campaigns to upend GOP state Sen. Robert Cowles in one of the closely watched Wisconsin recall campaigns, Democrat Nancy Nusbaum is talking up her long record of public service.Now anally of Cowles, the Wisconsin Manufacturers & Commerce, is trying to use that record against Nusbaum.In a television ad paid for by its issues fund, the heavyweight business group is ripping Nusbaums fiscal record during her eight years as Brown County executive, which ended in 2003.Spending went up, taxes went up,theadsays in part. Everything Nancy Nusbaum touches goes up. When Nusbaum was Brown County executive, spending went up nearly 50 percent. Tell Nancy Nusbaum we expect fiscal responsibility to be real, not a lot of hot air.In the ad, hot air balloons and rockets rise to underline the point.When we sought backup from WMC, the group did not return calls. So we checked the record.Brown County officials looked up the budget numbers for us, focusing on the seven budgets Nusbaum signed from late 1995 to early 2003.Operating spending went up 53 percent over those seven years. That works out to an average increase of 6.3 percent per year. State, local and federal funds contribute to the budget.So the ad is on target numerically.Indeed, Nusbaum does not dispute the numbers in it and did not criticize the ad as unfair but noted the County Board had a role in the budgets.By contrast, the spending increase over the seven years following Nusbaums tenure was 34 percent, which is 4.2 percent per year on average.The ad pulls the statistic out without any context for what was behind it.Why the dramatic difference in spending?Nusbaum pointed to replacement of an overcrowded jail, the cost of state-mandated services, increasing urbanization and associated social service costs, and the costs of caring for an aging population, among other reasons.Property values and state aid to counties were rising, welfare and jail spending grew rapidly, and counties saw big increases in administrative costs for things such as information technology, said John Reinemann, legislative director for the Wisconsin Counties Association.Levy limits on counties were minimal compared with today, Reinemann noted.Reinemann told us that 7 percent to 8 percent annual spending increases such as those in Brown County were not uncommon in the late 1990s among Wisconsin counties.His view is backed up by a ranking of counties that shows Brown in the middle of the pack in growth of spending per capita from 1993-2001. That is from the Wisconsin Taxpayers Alliance, a research organization.Spending in six key categories went up 6.3 percent annually during that time, the group found.Nusbaum, a retired teacher and former mayor of De Pere, said she prefers to point to the property tax rate instead of the total tax levy and kept it stable as executive. Brown County records show she did that.But the rate does not reflect the true cost of government, especially when it comes to property taxes. The rate can stay steady or decline, but tax bills can rise if the property tax levy (an indicator of spending) goes up.In Brown County, as elsewhere, increasing property values in the 1990s helped hold down the tax rate even as total tax levy collections rose. Statewide values jumped up 7.7 percent a year from 1993-2002, WTA found. In fact, statewide, net property tax rates actually dropped during the decade as property values soared.Lets conclude.A business group spotlighted the budget increases during Nusbaums term, suggesting through words and graphics that they were sky high.They certainly were large compared with the years that followed, for reasons related to decisions by Nusbaum, county supervisors, the state, and local residents -- as well as demographics and sociological trends.The number -- 50 percent -- is on target.But the ad leaves out information about the other factors that went into the spending. Indeed, Brown Countys spending was not atypical for the time and by at least one groups measure was in the middle of the pack.We rate the WMC claim Mostly True. On 30 December 2018, News Punch, a junk news website with a long history of spreading misinformation, published an article reporting that 10,800 American children had been raped by illegal immigrants during 2018: "The number of U.S. children raped by illegal immigrants in 2018 was a staggering 10,800, according to data compiled by NCFIRE (North Carolinians for Immigration Reform and Enforcement)." News Punch misinformation This claim has multiple dubious aspects, starting with the NCFIRE data. NCFIRE purports to compile "monthly child rape reports" covering sexual assaults committed by illegal immigrants in North Carolina. Our inspection of their data, however, turned up a number of issues. For starters, while the data were compiled under the title "monthly child rape reports," the supporting documents actually included a variety of sex-related crimes, such as possession of child pornography and "indecent liberties with a child," that aren't rape. We also found one individual who was included in the 2018 report even though he raped a child in 2011. That person presumably was included in the 2018 report because of an arrest that year for failing to report an address change. report In addition to including outdated charges and crimes other than rape in the "monthly child rape reports," NCFIRE also appears to be counting arrests, not convictions. In other words, a number of individuals included in these reports have only been accused of crimes, and the charges against them may be dropped or found to be unsupported at trial. Furthermore, while some entries on this list link to genuine reports from ICE (U.S. Immigration and Customs Enforcement), the majority of entries include links to news reports or mugshot pages that make no mention of immigration status. Although this group claims that they "verify the illegal alien status of each individual we post in our Monthly Child Rape reports through the arresting agency of each individual," a spokesperson for the Raleigh Police Department told us that they "were not familiar" with NCFIRE.  Despite the multiple problems with the rape reporting, News Punch used these statistics to come up with their 10,800 figure: Meanwhile, data compiled by NCFIRE (North Carolinians for Immigration Reform and Enforcement) reveals that the state of North Carolina has arrested an average of 18 illegal aliens every month this year for the crime of child rape. Statistically, this means that the 50 states in America are on track to arrest 10,800 illegal aliens for raping children in 2018. And that 10,800 figure is a bare-minimum, super-generous, giving-the-illegal-alien-child-rapists-the-benefit-of-the-doubt number. A total of 10,800 arrests assumes that each illegal alien child rapist only rapes one child in America. Many will rape three, four, or a dozen before they are caught, so the "true" number could be in the 30,000 to 40,000 raped children range. The claim that 10,800 children in the U.S. were raped by illegal immigrants did not originate with a law enforcement agency, government body, or other reputable crime-tracking source. Rather, an average figure pulled from questionable data compiled by one group in one state was extrapolated to the entirety of the U.S. without basis. That number also doesn't square with what we know about the criminal activities of illegal immigrants or the statistics for sexual abuse against children. Although the 2018 ICE Enforcement and Removal Operations Report does not specifically list crimes against children, it does shed some light on the number of sexual crimes committed by illegal immigrants. According to the ICE report, 5,350 charges or convictions of sexual assault were levied against illegal immigrants during the 2018 fiscal year. Another 6,888 charges or convictions relating to sexual offenses (not involving assault) were also recorded: Report Table 1 tallies all pending criminal charges and convictions by category for those aliens administratively arrested in FY2018 and lists those categories with at least 1,000 combined charges and convictions present in this population. These figures are representative of the criminal history as it is entered in the ICE system of record for individuals administratively arrested. Each administrative arrest may represent multiple criminal charges and convictions, as many of the aliens arrested by ERO are recidivist criminals.   The claim that 10,800 American children were raped by illegal immigrants in 2018 is also implausible due to the fact that the vast majority of sexual crimes against children are committed by parents or relatives, as the Rape, Abuse & Incest National Network (RAINN) reported in 2016: RAINN Out of the yearly 63,000 sexual abuse cases substantiated, or found [by] strong evidence, by Child Protective Services (CPS), the perpetrator was most often the parent: U.S. Immigration and Customs Enforcement.  "ICE Arrests Fugitive Alien in NC Wanted on Multiple Maryland Rape Charges."
  18 October 2018.  Rape, Abuse & Incest National Network.  "Child Sexual Abuse Is a Widespread Problem."
  Retrieved 9 January 2019. Adl-Tabatabai, Sean.  "10,800 U.S. Children Were Raped by Illegal Immigrants in 2018."
  News Punch.  30 December 2018. WRAL.  "Moore County Man Charged with Raping Child."
  1 January 2001. Updated [15 January 2019]: Added quote from Raleigh Police Department spokesperson. Claim:  Las Vegas casino owners and the Nevada Gaming Commission are lobbying to legalize dog fighting.  Example:  [Collected via email, October 2014] There is an article on a website known as "Empire News"  which states that casino owners in Las Vegas are attempting to legalize dog fighting as a new gambling incentive !Is this true ????   Origins:  On 12 October 2014, Empire News published an article positing that a steep drop in gambling revenues was inspiring Vegas casino owners and the Nevada gaming commission to push for the legalization of dog fighting in order to reverse that financial decline: article The steady decline in revenue affecting many casinos across the country has forced many gaming houses to seek other sources of income.  As a result, the gambling industry has been quietly seeking a controversial betting offshoot  legalized and industry regulated dog fighting Social media users erupted in anger and disgust at the claim as it wended its way through Facebook and similar sites: "Think of the images of Michael Vick and everything else that comes to mind when you mention dog fighting," said Roger Kenny, administrator with the Nevada Gaming Commission. In a press release he stated, "If we regulate dog fighting, promote it as a sport, eventually people will come to accept it, and it will be as common as blackjack or prostitution.  We'd like to change the negative perception that certain groups have put out there about the activity," he said. If the "as common as blackjack or prostitution" line didn't tip off readers to the article's true nature, the following should have: Dog trainer and television host Cesar Millan said, "This is the most inhumane act that I can think of.  Dogs are our companions and are among the most intelligent creatures on Earth.  Something like this with cats, now that I could understand," continued Millan. "Put a couple of cats in a boxing ring, maybe with little gloves and helmets  nobody's going to give a crap, it's just cats. But with dogs, it's different  they're man's best friend. When I heard this news I wanted to rabidly tear the Commission's collective throat out. Of course, you'd be hard-pressed to find a beast more beloved by the internet at large than cats; and the Vegas dog fighting yarn is just one of many "satirical" stories from Empire News, a web site whose stock in trade is posting outrage-provoking fake news articles. Other leg-pulls from the site include "Record-Shattering Snowfall Coming Soon (Bread and Milk Prices Expected to Soar)," "MTV Begins Production On New Show '12 And Pregnant'," and "Colorado Becomes First State to Legalize Crystal Meth." Record-Shattering Snowfall Coming Soon MTV Begins Production On New Show '12 And Pregnant' Colorado Becomes First State to Legalize Crystal Meth A disclaimer page on Empire News admits the publication "is a satirical and entertainment website." disclaimer page   Last updated:  20 October 2014 Some coal country voters see Hillary Clinton as a threat, someone who would install regulations that would hurt rather than help the struggling coal industry. But Clinton, the Democratic frontrunner, told CNNs Anderson Cooper that she thinks it's necessary to move away from fossil fuels to clean, renewable energy, and she wants to do what she can to help current coal mine workers make that transition. But the market is making this decision, she said May 4. The market has driven down the cost of coal, so you have companies going bankrupt. So what I'm offering is a $30 billion plan to really revitalize coal country, to provide support for coal miners and their families, and I think that is the least the country owes these brave people. Coal has historically been the countrys primary electricity generator. But several major coal companies have gone bankrupt in recent years, including Arch Coal, Alpha Natural Resources and Peabody Energy. We decided to dig into the question of how much of that change is due solely to market forces, rather than environmental regulation. We talked to coal industry experts who told us that the primary forces working against coal are market-based, notably the growth of natural gas as a cleaner, cheaper alternative. But now that coal is vulnerable, environmental regulations may seal coals demise. Coal has always been able to absorb new regulations, said Robert Godby, a professor and expert in energy economics at the University of Wyoming. But the impact natural gas has had since the fracking boom has been amazing to watch. He added: This would all still be happening regardless of regulations. Natural gas is eating coals lunch, and the coal companies made a bad bet on Chinese demand. Coalused to generateabout 50 percent of electricity in the United States, but now its down to about 30 percent. Just in the past couple years, natural gas has begun todisplacecoal. (In this Energy Information Administration chart, the grey line represents coal, and the orange line represents natural gas.) A recent boom inhydraulic fracturing(fracking) in the United States has dramatically increased the availability of natural gas. Natural gasprices are low, and it produces abouthalf as much carbon. Consequently, demand for natural gas is going up, and demand for coal is going down, and fast. While natural gas is the main threat, a growing demand and diminishing costs for renewable energy, like wind and solar power, also takes away from coal demand, said West Virginia University law professor Patrick McGinley. He added that on top of all this, its getting harder to produce cheap coal in the Appalachia region because a century of mining has depleted supply, and so the costs of mining new coal are going up. This is all a huge problem for coal, because electricity is about 90 percent of the coal market, said Andy Roberts, research director for global thermal coal markets at the consulting firm Wood Mackenzie. He said the trend is unlikely to reverse. But it was a big, failed bet on the international coal market that ultimately pushed companies to a point where they couldnt pay off their debts, forcing them to file for bankruptcy reorganization. About five years ago, the big coal companies   Arch, Alpha and Peabody  took out massive loans to invest in metallurgical coal, a type found in the Appalachia region. They thought fast-growing Asian countries, particularly China, would want the coal to facilitate economic development. But Chinas growth slowed, and the demand never materialized. The companies have been unable to pay back their debts on this project, and thats what sent them into bankruptcy, Godby said. Regulations may make electricity companies apprehensive about investing in coal down the line. This is the best way to think about how environmental regulations affect coal: If youre an electricity company considering building a new coal-powered plant or rehabilitating an outdated one, youre already on the fence about whether thats a good investment, because of the threat of natural gas. But then you remember you might have to face strict carbon emission limitations down the line, which convinces you to go with a natural gas plant instead of a coal plant. Take President Barack Obamas Clean Power Plan, a major initiative that would affect coal-powered plants by reducing carbon emissions. It isnt in effect yet, and it faces court hurdles. Even so, the uncertainty of what kinds of carbon limitations coal plants will face, and the possibility that they could be significant, has already reduced coal plant investment, Roberts said. So, investment in coal plants is now basically nil, Roberts said. And when the CPP begins in earnest in 2022, coal demand, already suffering, will more rapidly and inexorably decline. Similarly, the2015 Mercury and Air Toxics Standardsis a federal regulation that has had a significant impact on the coal industry and contributed to coal-powered plant closures. But its impossible to tell how much of the changes in the coal market can be attributed solely to the regulations, rather than the regulations plus the market forces. Multiple experts we asked said that so far, its primarily been the market putting pressure on coal. But looking toward the future, as coal becomes more vulnerable and environmental rules get bigger, regulations may play a larger role. Yes, as Secretary Clinton notes, the market is sorting this out, Roberts said. Competitive natural gas, the market, does indeed have something to do with that. But so do the CPP and federal subsidies for renewable generation. The combination of all these elements has been toxic for coal companies and lethal for those with too much debt. In reality, the market for coal is partially economic but increasingly regulatory. In October,Appalachian Power President Charles Patton saidcoal power wont be able to rebound with or without the Clean Power Plan  the economics just dont make sense. Our ruling Clinton said, The market is making this decision. The market has driven down the cost of coal, so you have companies going bankrupt. Economic forces on both the national and international markets are the main reason coals prominence in the American energy sector is now vulnerable, forcing coal-burning plant closures and several high-profile bankruptcies. For a long time, coal has been impervious to government regulation. But more recently, regulations  a non-economic force  might be the straw that breaks the camels back, especially going forward now that coal is on shaky ground. Clintons claim is missing this important context, so we rate it Mostly True. On Nov. 15, 2023, a user on X with the handle @PatMaguire10 published a post (archived) that said Fox News had reported former U.S. President Donald Trump's Mar-a-Lago Club in Palm Beach, Florida had received a foreclosure notice from Deutsche Bank. We received reader mail that asked if this was true. post archived The post read, "BREAKING FOX NEWS: Deutsche Bank has filed a notice to foreclose on Mar A Lago. The Trump property is part of a larger estate lien that is 190m$ delinquent. Court documents show a 3.4b$ loan that's in default. Trump hasn't respond to repeated attempts for comment. Developing story."  However, a quick check of @PatMaguire10's X bio showed that the account posts "parody" content. In other words, Fox News didn't report on any such foreclosure notice, nor was there any public record of a foreclosure of Mar-a-Lago taking place or scheduled to happen in the future. For a little more background on the subject that was referenced, on the same day that the post was created, Trump's legal team reportedly asked for a mistrial to be declared in the civil fraud trial brought against him in New York. mistrial Weeks earlier, the same trial featured testimony from retired Deutsche Bank executive Nicholas Haigh. Haigh provided information to the court about the bank's decision to loan Trump roughly $125 million for the purchase of the Trump National Doral property in Miami in 2011, according to ABC News. ABC News As for Mar-a-Lago, Miami Herald reported in August 2022 that Trump had received a loan from Chase Manhattan Bank  not Deutsche Bank  for his 1985 purchase of the property: Miami Herald Mar-a-Lago itself cost Trump $8 million, which he financed with an $8.5 million loan from Chase Manhattan Bank. The other parcel - oceanfront land next to the manor - cost $2 million. Trump was able to use $500,000 from the estate loan and a $1.5 million mortgage from the seller, Jack C. Massey, to cover the bill. For further reading, we previously published a report titled, "Media Literacy: How Can You Tell if a Post Is Satire/Parody?" report Bromwich, Jonah E. Trump Lawyers Call for Mistrial in Civil Fraud Case, Attacking Judge. The New York Times, 15 Nov. 2023, https://www.nytimes.com/2023/11/15/nyregion/trump-mistrial-fraud-case.html. Charalambous, Peter, et al. Bank Relied on Trumps Financial Statement to Secure Loan. ABC News, 11 Oct. 2023, https://abcnews.go.com/US/live-updates/trump-fraud-trial/bank-relied-on-trumps-financial-statement-to-secure-loan-103895871?id=103642561. ---. Deutsche Bank Executive Set to Take Stand. ABC News, 11 Oct. 2023, https://abcnews.go.com/US/live-updates/trump-fraud-trial/deutsche-bank-executive-set-to-take-stand-103889913?id=103642561. Ibrahim, Nur. Media Literacy: How Can You Tell If a Post Is Satire/Parody? Snopes, 25 Feb. 2023, https://www.snopes.com/articles/464404/media-literacy-satire-parody/. Kleinman, Jeff. How Donald Trump Changed a Palm Beach Mansion. The Story behind His Mar-a-Lago Takeover. Miami Herald, 9 Aug. 2022, https://www.miamiherald.com/news/state/florida/article264318476.html. Spencer, Terry. Is Mar-a-Lago Worth $1 Billion? Trumps Winter Home Valuations Are at the Core of His Fraud Trial. The Associated Press, 9 Oct. 2023, https://apnews.com/article/trump-maralago-lawsuit-palm-beach-51fea4e520b1901c1c045590b2a7bdc0. Dennis Kucinich became a lame-duck member of Congress after the 10th District he has represented since 1997 was redrawn out of existence and he lost a primary contest to another sitting Democrat, Marcy Kaptur, in the new Ohio 9th District.But Kucinich has not stopped working on the issues that have engaged him.He issued a news release and video on Nov. 2 supporting HR 4310, the bill he introduced to end the childhood obesity subsidy.Congress -- with your tax dollars -- subsidizes the marketing efforts of fast food and junk food companies by as much as $19 billion over 10 years, thereby subsidizing the childhood obesity epidemic, he said.Do fast food and junk food companies really enjoy an advertising subsidy? PolitiFact Ohio decided to dig in.Kucinich builds his case first by noting that childhood obesity -- which has more than tripled in the past 30 years, according to the Centers for Disease Control and Prevention -- has been linked to the influence of targeted marketing, though partial blame does lie with a more sedentary lifestyle and a worsening diet.He cites several prominent studies in support, with the most recent study coming from the Institute of Medicine, the health arm of the National Academy of Sciences. It says: Aggressive marketing of high-calorie foods to children and adolescents has been identified as one of the major contributors to childhood obesity. (Others with the same conclusion included the American Heart Association, the American Journal of Public Health and the Rudd Center for Food Policy and Obesity at Yale University.) Kucinich's bill would prohibit any company from claiming a tax deduction for the expense of marketing that is directed at children to promote the consumption of food at fast food restaurants or of food of poor nutritional quality.Under current law, fast food marketers get the same break that other businesses do. The federal tax code allows companies to deduct reasonable and necessary expenses of marketing and advertising from their income taxes.How is that a subsidy?The way the federal funding system works, Kucinich said, is that if we give a tax break in one place, we need to replace that lost income from somewhere else, like with higher taxes from the rest of us. In other words, this tax break is a massive subsidy for the junk food and fast food industry.The question then is how much the deduction, or tax break, is worth.According to a report to Congress from the Federal Trade Commission, the most recent we could find, the fast food industry spent nearly $2 billion in 2006 on marketing and advertising specifically aimed at children. That would yield about $700 million in tax revenue at the top corporate tax rate of 35 percent.A report in the New England Journal of Medicine put the marketing budgets for kids' foods at $10 billion annually -- which would yield $3.5 billion in revenue.A study in the International Journal of Behavioral Nutrition and Physical Activity said it It is unclear how much money is spent on food advertising specifically directed at children and adolescents, but put the total for advertising, youth-targeted promotions and public relations and packaging especially designed for children at $10.5 billion.The Economic Policy Institute estimated 10-year tax savings of $15 billion through legislation to end subsidies for junk and fast food advertising to children to promote health.Kucinich relied on Congress nonpartisan Joint Committee on Taxation, which estimated on a very preliminary basis that his legislation could raise $15 billion to $19 billion in additional federal revenue over the 10-year budget period.That is as much as $19 billion, as Kucinich asserted, though the committee also noted that unsettled issues surrounding his bill would affect its impact and the revenue it would raise. Those issues primarily include defining fast food and determining what advertising is primarily directed at children.What's our take-home?PolitiFact examined Kucinich's legislation two years ago, when he made a statement about it that we found relied too firmly on a high-end estimate of its potential tax saving and implied a direct cash payout by taxpayers to the food industry. He chose his words more carefully this time.His assertion that the tax code provides a subsidy of as much as $19 billion needs additional information for clarification, but it is well supported.On the Truth-O-Meter, his claim rates Mostly True.