The Debt Free America Act, also known as H.R. 4646, aims to eliminate the national debt.
Claim:  The Obama administration is proposing a 1% tax on debit card usage and/or banking transactions.  Examples:  [Collected via e-mail, July 2010] The Transaction Tax!  WHAT THE HELL IS THIS??President Obama's finance team and Nancy Pelosi are recommending a 1% transaction tax on all financial transactions.The bill is HR-4646 introduced by US Rep Peter deFazio D-Oregon and US Senator Tom Harkin D-Iowa.Their plan is to sneak it in after the November election to keep it under the radar.See what Nancy has to say about this wonderful idea!https://tinyurl.com/24dn5udIt's only 1%! This is a 1% tax  on all transactions to or from any financial institution i.e. Banks, Credit  Unions, Mutual funds,  Brokers, etc.Any deposit you make will have a 1% tax charged.Any withdrawal you make, 1% tax.Any transfer within your account, a transfer to or from savings and checking, will have a 1% tax charged.Any ATM transaction, withdrawal or deposit, 1% tax.If your pay check or your Social Security is direct deposited, 1% tax.If you carry a check to your bank to deposit, 1% tax.If you take cash in to deposit, 1% tax.If you receive any income from a bond or a dividend from stock, 1% tax.Any Real Estate Transaction, 1% tax.This is from the man who promised that if you make under $250,000 per year, you will not see one penny of new tax! Remember, he is completely honest and trustworthy.Keep your eyes and ears open.   https://tinyurl.com/24dn5ud Folks, Nancy says this would be a minimal tax on the people, but 1 percent every time you pay a bill or make a deposit is not minimal. This would no doubt tax investment  transactions as well as bank account transactions.This woman is nuts!!!If you know someone in California get this to them!  While at the checkout of Wal-mart in Greeneville, TN I heard that in the future the government may be planning to place a 1% tax on people using debit cards at the check out.  I have heard discussion and seen on emails the fear that the Obama administration is going to pass a 'banking tax' that will take 1% of each deposit and 1% of every transaction out of a bank account. Summary:  The Obama administration has not proposed or recommended placing a 1% tax on all financial transactions.  The idea of the 1% transaction tax stemmed from a bill repeatedly introduced by a single congressman which had no support from any other member of Congress and no chance of passing. Origins:  Some members of Congress have what might be termed "hobby horse" issues: concepts about which they introduce legislation in Congress after Congress although their bills not only never come close to passing, but never even clear committee to be put to  votes in the first place.  The hobby horse of Representative Chaka Fattah of Pennsylvania is the notion of eliminating all federal taxes on individuals and corporations and replacing them with a revenue-generating system based on transaction fees (a concept he originally called the "Transform America Transaction Fee" and later referred to as the "Debt Free America Act"). Chaka Fattah Transform America Transaction Fee In 2004 Rep. Fattah presented a bill calling on Congress to fund a study regarding the replacement of the federal tax code with a transaction fee-basedsystem (H.R. 3759), he introduced a similar bill in 2005 (H.R. 1601), again in 2007 (H.R. 2130), and again in 2009 (H.R. 1703).  None of these bills was ever put to a vote, and only one of them had so much as a single co-sponsor. H.R. 3759 H.R. 1601 (H.R. 2130), (H.R. 1703) In 2010, Rep. Fattah moved beyond proposing studies and submitted the Debt Free America Act (H.R. 4646), a bill calling for the implementation of  a scheme to pay down the national debt and eliminate federal income tax on individuals by imposing a 1% fee on specified financial transactions: H.R. 4646 pay down One idea for raising taxes to pay down the debt is the bill introduced this February [2010] by Rep. Chaka Fattah (D-Pa.). His "Debt Free America Act" (H.R. 4646) would impose a 1 percent "transaction tax" on every financial transaction  whether paid by cash, credit card or any form of financial transfer, the only exception being transactions involving the purchase or sale of stock. Theoretically, everyone would pay one cent on the dollar for every such transaction in America every day  whether $3 million on a $300 million business acquisition, $300 on the purchase of a $30,000 car, or $5 on a $500 ATM withdrawal. Specifically, the text of the bill stated that: The purpose of [the transaction fee] is to establish a fee on most transactions. Such [a] fee:  is different than a sales tax in that a sales tax is charged only on sales to the final consumer, [while] the transaction fee would apply to intermediate users as well as end users   is different than a value added tax (VAT), commonly used in European and other countries, in that a VAT is imposed only on a portion of a transaction's value (roughly the difference between an item's selling price and its cost), [while] the transaction fee would apply to the entire amount of the transaction  is intended to raise sufficient revenue to eliminate the national debt, which was $10.6 trillion in January 2009, during a period of 7 years, and to phase out the income tax on individuals. [This bill would] impose on every specified transaction a fee in an amount equal to 1 percent of the amount of such transaction. The term 'specified transaction' means any transaction that uses a payment instrument, including any check, cash, credit card, transfer of stock, bonds, or other financial instrument. The term 'transaction' includes retail and wholesale sales, purchases of intermediate goods, and financial and intangible transactions. Persons become liable for the fee at the moment the person exercises control over a piece of property or service, regardless of the payment method. (The bill provided for individuals earning $125,000 or less to receive a credit equal to 1% of their income against the tax, and it gave the Treasury Department discretion to exempt certain transactions on which lower-income people disproportionately relied.) Like Rep. Fattah's other Congressional efforts along these lines, his Debt Free America Act had no sponsors other than himself,  languished in committee after being introduced, had no realistic chance of being passed. Thus, although e-mailed warnings about a "1% transaction tax" do reference a once-real piece of proposed legislation, the amount of attention those warnings garnered vastly, vastly outstripped any real possibility that such legislation would actually be enacted. Moreover, some of the additional details contained with such e-mailed warnings were erroneous:  Neither "President Obama's finance team" nor Nancy Pelosi is "recommending a 1% transaction tax."  The proposal for the  Debt Free America Act was purely the effort of a single congressman, with no outside support.  Neither Representative Peter DeFazio of Oregon nor Senator Tom Harkin of Iowa introduced the Debt Free America Act, co-sponsored it, or publicly supported it.  The included link that supposedly showed Nancy Pelosi endorsing the Debt Free America Act antedated the introduction of that bill to Congress; her comments actually referred to a different, earlier transaction tax proposed in December 2009 by Rep. Peter DeFazio.  That bill, known as the "Let Wall Street Pay for the Restoration of Main Street Act" (H.R. 4191), called for the funding of investment in middle class jobs by levying small percentage value taxes on the buying and selling of stocks, futures, swaps, options and other securities. (Although Rep. DeFazio's bill had 31 co-sponsors, it too languished in committee without being brought to a vote.) proposed H.R. 4191  Later versions of this item opened with the statement that "ON JANUARY 1ST 2012, THE GOVERNMENT IS REQUIRING EVERYONE TO HAVE DIRECT DEPOSIT FOR SS CHECKS. WONDER WHY?"  The Social Security program did switch over to an electronic payments system as of 1 March 2013 that provided recipients with the options of receiving their benefits payments either through direct deposit to a bank account or via the reloading of a debit card, but that change had nothing to do with the Congressional bill discussed above. Rep. Fattah reintroduced his Debt Free America Act (as H.R. 1125) to the 112th Congress on 16 March 2011. Like Rep. Fattah's previous efforts along these lines, Govtrack.us tagged it with the prognosis "This bill has a 0% chance of being enacted." H.R. 1125 Govtrack.us Last updated:  22 October 2013
As U.S. Rep. Kevin McCarthy suffered numerousvote losses before being elected House speaker by a deeply divided Republican party, many noticed a particular moment with Rep. GeorgeSantos, whowas already under fire for fabricating much of his life story while campaigning for office. On Jan. 5, 2023, on the third day of voting for House speaker, Santos was seen flashing a signal with his left hand that many interpreted as being the "white power" sign. numerous Santos under fire  A number of our readers sent us messages asking if Santos indeed flashed the "white power" signal, which looks like an "Okay" sign defined by the forefinger and thumb making a circle shape with the remaining three fingers splayed out. According to the Southern Poverty Law Center, the sign was adopted "first by white nationalists, and then by 4chan trolls intent on 'triggering the libs'." Numerous alt-right figures have adopted this symbol over the years, but there are also many instances where innocuous hand gestures were incorrectly interpreted in this way. We have debunked such instances, as well. Southern Poverty Law Center debunked So did Santos intend to use such a symbol? In the C-SPAN video below he is standing with his arms folded, and when it is his turn to vote, he raises his right hand to vote for McCarthy, his left still folded under his chest with the sign visible (watch the5:53:30 mark).It appeared on numerous re-watches that he could conceivably have just been holding his left hand that way, and ended up waving his right hand instead of the left. He walked away very quickly after voting, putting both his hands down to his sides.  Voting for House speaker took around four days and numerous attempts, during which time Santos signaled his support more than once. The photograph below shows Santos casting his vote on Jan. 4, 2023, where he is not using the symbol. Jan. 4, 2023 (Win McNamee/Getty Images) On Jan. 5, 2023, he was seen casting his vote again, this time with his left hand making an "Okay" sign. Jan. 5, 2023 (Win McNamee/Getty Images) In both instances, he is clearly intending to cast a vote. In the second instance, we do not know for certain if he is making a white power signal with his left hand. We have reached out to a member of his team, but so far Santos has madeno comment on this. made This did not stop Democrats from criticizing him for making the hand gesture. U.S. Rep. Ritchie Torres, also from New York, said: Democrats said    MSNBC host Joy Reid addressed this with the right-leaning media outlet The Bulwark's Tim Miller, saying that Santos appeared to "throw the white-power sign." addressed Miller in turn responded "[...]he might have been holding his fingers together. There's plenty of bad things about George Santos without me reading into his body language." After McCarthy was finally elected as House speaker on Jan. 7, 2023, Santos was also sworn into office. In a statement, Santos said: "Now is the time to put political differences aside, stop the finger pointing, and start delivering results. The work of Congress is not about my personal life, this is about delivering results for my constituents, finding bipartisan solutions, and reversing abysmal policies that have caused some of the worst inflation and crime in our nation's history." said We cannot determine Santos' intentions without hearing from Santos directly, and even then he has shown in the past that his word cannot fully be trusted. As such we rate this claim as "Unproven." Evon, Dan. "Do Pics Show Blackburn Flashing 'White Power Sign' in US Senate?" Snopes, 11 Apr. 2022, https://www.snopes.com/fact-check/blackburn-white-power/.Accessed 9 Jan. 2023. "George Santos Sworn into Office after Selection of House Speaker." News 12 - The Bronx, 7 Jan. 2023. https://bronx.news12.com/george-santos-sworn-into-office-after-selection-of-house-speaker. Accessed 9 Jan. 2023. Ibrahim, Nur. "Did George Santos' Website Incorrectly Announce He Was Sworn in to US House?" Snopes, 4 Jan. 2023, https://www.snopes.com/fact-check/george-santos-sworn-into-house-error/.Accessed 9 Jan. 2023. "Is That an OK Sign? A White Power Symbol? Or Just a Right-Wing Troll?" Southern Poverty Law Center, https://www.splcenter.org/hatewatch/2018/09/18/ok-sign-white-power-symbol-or-just-right-wing-troll. Accessed 9 Jan. 2023. Shoaib, Alia. "George Santos Accused of Flashing White-Power Symbol during House Speaker Vote." Business Insider, https://www.businessinsider.com/george-santos-white-power-symbol-speaker-vote-2023-1. Accessed 9 Jan. 2023. Sprunt, Barbara, and Susan Davis. "Kevin McCarthy Is Elected House Speaker after 15 Votes and Days of Negotiations." NPR, 7 Jan. 2023. NPR, https://www.npr.org/2023/01/06/1147470516/kevin-mccarthy-speaker-of-the-house-vote.Accessed 9 Jan. 2023. "U.S. Rep.- Elect George Santos Casts His Vote in the House Chamber..." Getty Images, https://www.gettyimages.com/detail/news-photo/rep-elect-george-santos-casts-his-vote-in-the-house-chamber-news-photo/1454230622. Accessed 9 Jan. 2023. "U.S. Rep.-Elect George Santos Cast His Vote in the House Chamber..." Getty Images, https://www.gettyimages.com/detail/news-photo/rep-elect-george-santos-cast-his-vote-in-the-house-chamber-news-photo/1454474088. Accessed 9 Jan. 2023. Voting in the 2020 U.S. Election may be over, but the misinformation keeps on ticking. Never stop fact-checking. Follow our post-election coverage here. here In September 2020, social media users began circulating a text meme charting the decrease in abortion rates in the U.S. during previous presidential administrations, attributing the greater drop in those rates during Democratic administrations to a difference in approach (i.e., making it illegal vs. making it unnecessary):     As we noted in an earlier article on a similar topic, following the 1973 Roe v. Wade Supreme Court decision that protected a pregnant woman's liberty to choose to have an abortion without excessive government restriction, the abortion rate rose immediately afterward until it peaked in the 1980s, and it has fairly consistently declined since that peak through presidential administrations of both parties: article Following nationwide legalization of abortion in 1973, the total number, rate (number of abortions per 1,000 women aged 1544 years), and ratio (number of abortions per 1,000 live births) of reported abortions increased rapidly, reaching the highest levels in the 1980s before decreasing at a slow yet steady pace.     Although it is true that the abortion rate has experienced greater declines during Democratic administrations than Republican ones, we can't draw any definitive conclusion that, as the meme tries to suggest, this difference is primarily due to varying approaches by the two main political parties. The simple idea presented by the meme has a number of flaws, chief among them that political factors that might influence the abortion rate (e.g., policies, legislation, judicial appointments and rulings) do not neatly conform to presidential terms of office -- what takes place during one administration generally continues to have an effect throughout subsequent administrations. As well, events occurring at state and local levels (not necessarily directly tied to federal actions) can have a substantial impact on the availability and prevalence of abortions. More important, though, is that we cannot definitively determine to what extent political factors influence the abortion rate. As the Guttmacher Institute (a pro-abortion-rights research organization) observed, recent declines in the abortion rate appear to have been driven not primarily by abortion restrictions but by a broader decline in pregnancies: observed Abortion restrictions target either individuals ability to access the procedure (such as by imposing coercive waiting periods and counseling requirements) or providers ability to offer it (such as through unnecessary and intentionally burdensome regulations). Any one of these restrictions could result in some people being forced to continue pregnancies they were seeking to end; this could, in theory, lower the abortion rate. With the available evidence, it is impossible to pinpoint exactly which factors drove recent declines, and to what degree. However, previous Guttmacher analyses have documented that abortion restrictions, while incredibly harmful at an individual level, were not the main driver of national declines in the abortion rate ... Rather, the decline in abortions appears to be part of a broader decline in pregnancies, as evidenced by fewer births over the same period. What's driving that decline in pregnancies, then? We don't know that for sure, either, but likely a combination of social, cultural, economic, medical, and political factors: combination Experts say the decline isnt due to a single cause, but rather a combination of several factors, including changing economics, delays in childbirth by women pursuing jobs and education, the greater availability of contraception, and a decline in teen pregnancies. The trend seen in the United States is also seen in much of the developed world, including Western Europe, said Dr. John Rowe, a professor at Columbia Universitys Mailman School of Public Health. One important factor driving this is the changing roles of women in society, Rowe said. In general women are getting married later in life, he explained. They are leaving the home and launching their families later. [Dr. Helen Kim, an associate professor at Northwestern Universitys Feinberg School of Medicine] said the concept of the ideal family size may be changing. There are shifts where having smaller families is a trend, she added. I cant speak on this as a sociologist, but this is what Ive seen among my peers and colleagues. One of the biggest factors is the decline in teen pregnancies, Rowe said. Thats good news ... And that makes a huge difference to their lives. The Guttmacher Institute posited a similar mix of factors to explain the decline in the abortion rate: Because both abortions and births [have] declined, it is clear that there were fewer pregnancies overall in the United States ... The big question is why. One possible contributing factor is contraceptive access and use. Since 2011, contraception has become more accessible, as most private health insurance plans are now required by the Affordable Care Act (ACA) to cover contraceptives without out-of-pocket costs. In addition, thanks to expansions in Medicaid and private insurance coverage under the ACA, the proportion of women aged 1544 nationwide who were uninsured dropped more than 40% between 2013 and 2017. There is evidence that use of long-acting reversible contraceptive methods -- specifically IUDs and implants -- increased through at least 2014, especially among women in their early 20s, a population that accounts for a significant proportion of all abortions Another possible contributing factor might be a decline in sexual activity. Findings from one national survey suggest a long-term increase in the number of people in the United States -- mostly younger men -- reporting not having sex in the past year. Yet another possibility is that infertility is increasing in the United States, thereby reducing the chances of getting pregnant and subsequently seeking to obtain an abortion. More generally, there are a host of other potential factors that could be driving declines in pregnancy rates, from individuals evolving desires about whether and when to become parents to peoples changing economic and social circumstances. Finally, it is possible that ... there could have been an increase in self-managed abortions happening outside of medical facilities, which the census would be unable to capture. The Centers for Disease Control and Prevention (CDC) also offered a combination of potential explanations for lower abortion rates: combination Multiple factors influence the incidence of abortion including the availability of abortion providers; state regulations, such as mandatory waiting periods, parental involvement laws, and legal restrictions on abortion providers; increasing acceptance of nonmarital childbearing; shifts in the racial/ethnic composition of the U.S. population; and changes in the economy and the resulting impact on fertility preferences and access to health care services, including contraception. As we stated four years ago, "causation between the presidency and abortion rates [is] difficult to demonstrate in any case, because it is hard to draw a straight line between federal government policy (let alone presidential policy) and abortion procurement." That observation remains true today. Carroll, Linda and Shamard Charles, M.D.  "Americans Aren't Making Enough Babies to Replace Ourselves."
  NBC News.  13 January 2019. Nash, Elizabeth and Joerg Dreweke.  "The U.S. Abortion Rate Continues to Drop: Once Again, State Abortion Restrictions Are Not the Main Driver."
  Guttmacher Institute.  18 September 2019. Kasprak, Alex.  "Abortion Rates Fall During Democratic Administrations and Rise During Republican Ones."
  Snopes.com.  11 November 2016. A photograph supposedly showing a man hand-feeding a polar bear in Russia sometime in the 1970s is frequently shared by historical-picture social media accounts:   The seemingly dangerous situation depicted in the image, as well as the fact that these accounts don't always provide accurate captions, led many viewers to be a little skeptical that this was a genuine photograph.  provide accurate captions But this picture is quite real. It was taken near the Siberian town Cape Schmidt off the coast of the Chukchi Sea sometime in the 1970s and shows a man named Nikolai Machulyak. Machulyak was a bit of a local celebrity at the time due to his frequent encounters with polar bears. When rumors of a man who had "tamed the beasts" reached author V. Filimonov, he set out to find him. In August 1977, Filimonov published an article about Machulyak entitled "  " ("I Ask For Your Friendship) in the Russian travel magazine   ("Around the World"): Around the World   Machulyak explained that a young polar bear was abandoned after a hunter killed its parent in December 1974. Machulyak fed the young polar bear, which he named "Masha," for the remainder of the winter months until the bear left in the spring of 1975. A year later, he encountered a larger polar bear. While it seemed at first as if the bear was about to attack him, he soon realized that something quite different was happening. Here's how Machulyak explained the origins of this story to Around the World magazine (loosely translated via Google): In December 1974, a Chukchi hunter killed a polar bear that devastated its yaranga. After her there was a pestoon - a young bear, which I fed for five months: she had not yet learned to hunt. Called her Masha. In the spring of 1975, she left, and almost a year later I saw her again ... ... And suddenly this bear rushes to me. Often a person does not manage to unravel the intentions of the beast, but here I felt: this is not an attack. All bears are usually on the same face ... but then I realized - Masha! I stopped her with a wand. I always carry such a wand with me. Light, sixty centimeters. Masha was at a loss - this was visible in her face, at will, bypassing the wand, approaching me. She clearly recognized me ... And yet it was scary. After all, 11 months have passed since our last meeting. I immediately brought meat from the trap. She ate willingly. The Around the World article also included journal entries that Machulyak had written about his experiences with Masha. In them, he recounts his various encounters with her, such as the time he fed her seal meat from his hands. Masha wasn't the only polar bear that Machulyak encountered during this period. At one point, a larger bear named "Marya Mikhailovna" pushed Masha from her den. Machulyak was able to befriend this bear, too, as well as her cubs.  The Russian Geographical Society collected and published several other photographs of Machulyak and this family of polar bears: Russian Geographical Society   Although Machulyak had multiple encounters with these polar bears, he said that he always approached with caution: The beast is the beast. But every time I set myself up before a meeting. I mentally tell Masha, and not only to her, but to any bear: "I ask for your friendship. Here is my hand in advance  palm up, there is no weapon, there is a can of condensed milk in it that you love. You are a beautiful, strong and amiable beast to me. I want to have a friend in you, and in friendship I will not be more faithful." . .  "  ."
    .  August 1977.   .  "  ."
  1 April 2014. In June 2018, the Feedy TV web site published an article headlined "HIV Infected Needles Found in Public: Take Only 2 Minutes of Your Time to Save Your Life." The text of the article recounted supposedly recent incidents of unsuspecting persons being jabbed with HIV-infected needles left in movie theater seats in various cities: article Recently, a girl who went to the movies, sat down in one of the theater seats, and felt a stabbing pain. She quickly stood up and found the needle of a medical syringe sticking out of the seat. There was also a note that said, You have been infected with HIV. The Centers for Disease Control reports that similar events have taken place in several other cities recently. All of the needles tested HAVE been positive for HIV. The CDC also reports that needles have been found in the coin return areas of pay phones and soda machines. This article was nothing more than a modern recounting of an urban legend about "AIDS terrorists" randomly pricking victims with HIV-infected needles in theaters and other public places, a legend that first hit the Internet two decades ago: [Collected on the Internet, 1998] Warning - MUST READ Be careful the next time you go to a cinema. These people could be anywhere!! An experience of a friend of my brother's wife left me speechless. Please do send this out to everyone you know. This incident occurred in Bombay's Metro cinema (Among the best in town). They were a group of 6-7 College girls & they went to the theater to see a movie. During the show one of the girls felt a slight pinprick but did not pay much attention to it. After sometime that place began to itch. So she scratched herself and then saw a bit of blood on her hands. She assumed that she had caused it. At the end of the show, her friend noticed a sticker on her dress and read the caption. It read "Welcome to the world of AIDS". She tried to pass it off as a practical joke but when she went for a blood test a couple of weeks later (just to be sure), she found herself HIV Positive. When she complained to the cops, they mentioned that her story was one of the many such cases they had received. It seems the operator uses a syringe to transfer a bit of his/her infected blood to the person sitting ahead of him/her. A horrible experience for the victim as also the family & friends. The WORST bit is that the person who does it gains NOTHING where as the victim loses EVERYTHING. So, be careful . . . [Collected on the Internet, 1998] PLEASE CHECK YOUR CHAIRS WHEN GOING TO THE MOVIE THEATRES!!!! An incident occured when a friend's co-worker went to sit in a chair and something was poking her. She then got up and found that it was a needle with a little note at the end. It said, "Welcome to the real world, you're "HIV POSITIVE". Doctors tested the needle and it was HIV POSITIVE. We don't know which theatre this happened at, but it happened in Hawaii. "BE CAUTIOUS WHEN GOING TO THE MOVIES!" IF YOU MUST GO TO THE MOVIES, PLEASE, PLEASE CHECK!!!!! One of the safest way is NOT sticking your hands between the seats, but moving the seat part way up and down a few times and REALLY LOOK!!!!!!! Most of us just plop down into the seats. [Collected on the Internet, 2001] PLEASE READ THIS CAREFULLY! IT MIGHT SAFE YOUR LIFE! This is happening in Montreal. A couple of weeks ago, in a movie theater, a person sat on something sharp in one of the seats. When she stood up to see what it was, a needle was found poking through the seat with an attached note saying, "You have been infected with HIV." The Centers for Disease Control reports similar events have taken place in several other cities recently. All of the needles tested HAVE been positive for HIV. The CDC also reports that needles have been found in the coin return areas of pay phones and soda machines. Everyone is asked to use extreme caution when confronted with these types of situations. All public chairs should be thoroughly but safely inspected prior to any use. A thorough visual inspection is considered a bare minimum. Furthermore, they ask that everyone notify their family members and friends of the potential dangers, as well. Thank you. The previous information was sent from the Regina City Police Department to all of the local governments in the Saskatchewan area and was interdepartmentally dispersed. We were asked to pass this to as many people as possible. This is very important! Just think you could save somebody's life, just by passing this on. Please take a Couple of seconds of your time and pass this on. Thank you for your precious time and consideration! [Collected on the Internet, 2002] HIV Warning A few weeks ago in a movie theater in Melbourne a person sat on something that was poking out of one of the seats. When she got up to see what it was she found a needle sticking out of the seat with a note attached saying... "You have just been infected by HIV". The Disease Control Centre in Melbourne reports many similar incidents have occurred in many other Australian cities recently. All tested needles ARE HIV Positive. The Centre also reports that needles have been found in the cash dispensers in ATMs. We ask everyone to use extreme caution when faced with this kind of situation. All public chairs/seats should be inspected with vigilance and caution before use. 17 people have been tested positive in the Western suburbs alone in the last 2 months!!! A careful visual inspection should be enough. In addition they ask that each of you pass this message along to all members of your family and your friends of the potential danger. We all have to be careful at public places! This is very important. Just think about saving a life of someone even you don't know by forwarding this message. Please, take a few seconds of your time to pass it along. In all the time since this rumor's initial appearance time we've turned up no confirmed AIDS-laden needle attacks on moviegoers have been reported in Bombay, Hawaii, Dallas, Paris, or anywhere else in the world. We know of only two related incidents, neither of which proved to involve any deliberate intent to infect an innocent victim with HIV: A Louisiana man sat on a needle in a theater in Baton Rouge in December, 1996, and sued the facility over the incident, but there was no note welcoming him to the world of AIDS or any indication of his contracting any infection. An October 2005 report from Athens, Georgia, involved a woman who said she sat upon a needle that had been duct-taped to a movie theater seat, but since then she also has evidenced no symptoms of HIV infection. (In the latter case, although the syringe contained a substance that appeared to be dried blood, it was too small a sample for police to be able to determine what it was or whether it carried a disease.) One of the many versions of this warning claims to be one circulated by the Dallas Police Department. Not only didn't that institution originate the warning, but since its appearance officers there have been kept busy fielding inquiries about this hoax: "It's all false," said Sgt. Jim Chandler, a Dallas police spokesman. "This has not happened, and we would ask people to stop forwarding this message to their friends because it's creating situations where police departments and emergency personnel are having to respond to inquiries to a situation that has not happened." What we have here is an urban legend trading on our fears of catching AIDS. Cautionary tales about hapless bystanders contracting an infectious disease became all the rage in the 1990s. Another such scare has to do with addicts leaving HIV-contaminated needles in the coin returns of pay phones. See our "Slots of Fun" page for more about this related legend. Slots of Fun This particular pin prick story is a version of the better known "AIDS Mary" legend. (In "AIDS Mary," the "Welcome to the world of AIDS" communication is typically imparted either through a gift emblazoned with that message being left for the victim or found scrawled in lipstick on the bathroom mirror.) AIDS Mary AIDS Mary has been scaring the bejeebers out of us at least since the early 1980s. The pin prick legend, however, isn't all that new either, with the HIV version of it having its roots in an 1989 incident in New York City. The legend in its current incarnation (teenage girls in darkened theaters jabbed with needles) dates back to a much older non-HIV story, one rampant in the New Orleans area in the 1930s. Toothsome young girls were told to beware of Needle Men. Young ladies were strictly instructed to sit at the end of the aisle in moviehouses, not in the middle, lest they attract the attention of white slavers working in pairs who would sit down beside the girl, one on each side, inject her with morphine, and carry her out of the theatre and into a life of shame. The New Orleans Needle Men rumor circulated in another form besides the "white slavers after young girls"  others feared these syringe-armed fiends were in fact medical students harvesting cadavers for dissection. Women jabbed by them would quickly succumb to the poison contained in those needles, with their lifeless bodies soon afterwards delivered to a local teaching hospital. Such deadly attacks were said to take place in theaters, but also on the street. Though "Needle Man" scares rippled through New Orleans at various times in the 1920s and 1930s, each time sending women into hysterics, there was never any credible reason to believe such men existed. Women weren't disappearing at a furious rate, nor were gals who'd fallen into lives of prostitution afterwards asserting they'd been overcome via injection and abducted. A slightly different yet inexplicably more frightening version of the pin prick legend began circulating in the early spring of 1998. According to it, young people partying in clubs or at raves run the risk of being jabbed with an HIV-loaded needle and then afterwards finding a "Welcome to reality  you now have AIDS" message stuffed into a pocket or affixed to them by way of a sticker. This warning has so far circulated in Philadelphia, New York City, San Diego, Oakland, Seattle, Toronto, Vancouver, Montreal, Mexico, Australia, Ecuador, and Germany, each time passed along as something that had already happened to others locally: Do you any of you guys like to go clubbing? Well you might want to think twice after this message. Just in case you don't already know, there is a certain group of people with stickers that say "Welcome to our world." Once this sticker is stuck on you, you contract the AIDS virus because it is filled with tiny needles carrying the infected blood. This has been happening at many dance clubs (even DV8 and Beatbox) and raves. Being cautious is not enough because the person just chooses anyone, and I mean anyone, as his/her victim. So you could just be dancing the night away and not even realize the sticker had been stuck on you. It sounds too demented to be true, but it's the truth. In fact my sister's friend knows someone who just recently contracted the virus in this manner. The world isn't safe anymore. Please pass this on to everyone and anyone you know. Wherever this rumor goes, it has a significant impact on the local bar scene. In August 1998 one popular Toronto nightclub estimated its business to be down by 50%. In March 1998 a popular dance club in San Diego was similarly affected when the story swept through there. People hear this story and stay away in droves. Police in each of these cities have investigated the rumors and found nothing. The clubs named in the rumors similarly report they know nothing of any attacks. Okay, so this isn't happening in movie houses, at popular dance clubs or at raves. Where did this HIV-loaded needle story come from? Keep in mind that although there have at various times been random attacks with needles, none have resulted in infection being passed to victims. That part is myth. Now for the truth of it: For a few weeks in the fall of 1989, a group of Black teenagers (mostly girls) scared the pants off the denizens of New York City by running about jabbing pins into the necks of 41 random white females. Media coverage escalated the general public's fears as it was repeatedly stated the pins were tainted with AIDS. Within a week the kids responsible were found and arrested, and it was at that time police discovered there was no basis to the reports of the AIDS virus being part of these attacks. The hooligans responsible admitted it was just a fun game to them, run up to a white woman, stick her with a pin, see her reaction, then run off. Possibly inspired by the 1989 panic in New York City, for three weeks in 1990 a Black man terrorized white and hispanic women in that city by hitting them in the legs and buttocks with dart-like missiles fired from a homemade blowgun. More than 50 women were hit in this fashion before the man responsible was caught. When asked why the attacks, the assailant made a rambling statement to the effect that short skirts were immoral and "people from the islands shoot women who wear provocative clothing with darts to punish them ... they also throw them sometimes into volcanoes." (Good thing this nut didn't live in Las Vegas, else the volcano at the Mirage would have been standing room only.) Kids have since gotten the idea this is a cool game to play. In 1995 a 13-year-old boy brought a hypodermic syringe to Mount Pleasant Area Secondary School (Pennsylvania) and proceeded to jab 28 classmates with it. The boy was charged with aggravated assault, simple assault, reckless endangerment and possession of a weapon on school property and was turned over to juvenile authorities pending a hearing. In 1997 two teenage lads at Exeter-West Greenwich (Rhode Island) jabbed 32 other students with a medical lancet. Meant to be a "playful prank" (stabbing someone with anything isn't considered playful in my book), the state Health Department took the matter very seriously, ordering blood tests and vaccinations against Hepatitis B for all the victims. The boys responsible were suspended and criminal charges were brought against them. Earlier in 1997, 18 Lecanto Middle School (Florida) pupils were attacked by five schoolmates wielding lancets. The perpetrators were suspended for ten days and medical tests were run on their victims. Again, it was only a meanspirited prank  no viruses were communicated in the attacks. Robberies have been carried out by syringe-wielding robbers who claim to be armed with the AIDS virus and willing to stick anyone who gets in their way with the infected needle. It has to be stressed that though various robbers and muggers have claimed to have been so armed, thus far this has never proved out to be anything more than an empty threat. All syringes so employed have tested out as perfectly clean. Even so, it doesn't take a rocket scientist to see that claiming to be armed with an AIDS-tainted needle would generate a lot of cooperation from the people you're trying to rob. Expect to see this "weapon" become even more common as time marches on. It's not all sweetness and light, however. On 20 May 1999, WBFF/WNUV of Baltimore, Maryland, reported on a midday attack upon an unnamed Towson, Maryland, woman. She had been checking her oil at a gas station when she was approached by a man who asked her for money. The victim described what happened next: I said I didn't have any money. I said I only had a dollar. He said that would do. He put one arm around me and kissed my cheek, he put another arm around me and stabbed me with a needle, and said welcome to reality you have HIV. The victim's description led police to a panhandler known to frequent the area. He was found with a syringe on him. (Click here to read WBFF's report about this incident.) here In January 2000, the attacker earned a three-year prison sentence for his crime. The victim is not HIV-positive. There has been at least one verified HIV-positive syringe attack of the non-random variety. It happened in Australia in 1990, with the victim being a prison guard at Sydney's Long Bay Jail. Gary Pearce opened a security gate for an inmate known to be HIV-positive and in doing so turned his back for a second. He felt a jab in his buttock. He turned to knock a blood-filled syringe away just as the inmate, Graham Farlow, shouted "AIDS" and ran off. Pearce rushed to a nearby office where the wound was sterilised. To no avail however. Despite the 1-in-200 chance that a stick injury from an HIV-infected needle would produce a positive result, he tested HIV positive two months after the attack. Pearce died on 30 August 1997 of an AIDS-related illness. Farlow had died in 1991. This attack plus a spate of supposedly HIV-loaded needle robberies (the robberies at needlepoint were real, but the HIV part was never proved), prompted the Australian government to introduce legislation covering such offenses. Since the victim didn't die within a year and a day of the pricking, the attacker couldn't be charged with murder under the old laws. That changed in 1990. Now robbers using syringes filled with HIV-infected blood as weapons face up to 25 years in jail in New South Wales state. British police would like to have something a lot closer to what the Australian legal system provides for. In 1994 they unsuccessfully called for a crackdown on HIV-loaded needle threats, claiming the harm done to victims necessitated both harsher penalties than currently legally available and voicing the need to be able to charge someone in possession of a syringe with carrying an offensive weapon. At present, the psychological damage caused by the threat to inject someone with an HIV-infected syringe is classed in Britain as actual bodily harm, and an attacker can be charged with grievous bodily harm if an injury is sustained. Is that really enough, or are the British police right that this doesn't go far enough? The AIDS pinprick legend's popularity stems from our fear of contracting AIDS. Even if we take pains to avoid engaging in high risk activities or strive to do so in as safe a fashion as possible, we're all too aware we're still vulnerable, and this legend speaks to that awareness. Though in the early days of this disease, the average citizen felt perfectly safe from its ravages, AIDS is now no longer perceived as something only other people will catch. It's now seen as a danger to all of us. This sense of being at risk, coupled with ongoing fears of the madmen who walk among us, has given birth to this bit of scarelore. Credibility is further supplied by news stories about kids jokingly stabbing classmates with needles and robbers threatening victims with "loaded" syringes. Mix a bit of truth into an existing bit of scarelore, and it becomes powerful medicine indeed. The typical college girl victim is a metaphor for us. By casting the one pinpricked as one of tender years, the undeserving nature of the victim is underscored. She's seen as both young and untouched by the world, therefore completely undeserving of this terrible fate. (As, by implication, are we.) Her gender also comes into play as "college girl" is a shortform in the world of urban legends for sexual and social innocence. Her fatal infection is made to appear doubly tragic in that it doesn't seem to us, the audience, she would otherwise have come in contact with this illness. Indeed, no more "innocent" a mythical victim could be created. She's a lot like us, in other words. The terrifying aspect of this bit of scarelore is we see ourselves in her place. <!--Additional information:  In March 2008, police reported that someone had been embedding used hypodermic needles in park benches in New Waterford, Nova Scotia, but there was as yet no determination whether the needles posed any risk of spreading infectious diseases. In February 2009, three people in Vancouver, Washington, were pricked by syringes taped in public places, one to the handset of a pay phone, two to doorknobs. Additional information:   -->   Anderson, Kendall.  "Dallas Police Say E-Mail Warning Is Hoax."
  The Dallas Morning News.  26 February 1999  (p. A37).   Botkin, B.A.  Sidewalks of America.
  Indianapolis/New York: Bobbs-Merrill Company, 1954  (pp. 195-196).   Bradshaw, Nick.  "Hidden Syringe Needles Taped to Doorknobs and Phone Injure Three."
  KGW News Channel 8 [Portland, Oregon].  20 February 2009.   de Vos, Gail.  Tales, Rumors and Gossip.
  Englewood: Libraries Unlimited, 1996.  ISBN 1-56308-190-3  (pp. 58-59).   Ellis, Bill.  "Needling Whitey."  FOAFTale News.
 December 1989  (pp. 5-6).   Ellis, Bill.  "Mystery Assailants."
  FOAFTale News.  October 1990  (p. 9).   Emery, C. Eugene.  "Superintendent Mulls Penalty for 'Jabbers.'"
  The Providence Journal-Bulletin.  24 December 1997  (p. C2).   Hoffman, Ernie.  "Boy Held in Attacks with Syringe at School."
  Pittsburgh Post-Gazette.  20 January 1995  (p. A1).   Johnson, Joe.  "Contents of Syringe Being Tested."
  Athens Banner-Herald.  4 October 2005.   Lowe, Peggy.  "Police Dismiss Needle-Scare Letter."
  The Denver Post.  25 February 1999  (p. B1).   Milliken, Robert.  "Sydney Warders Strike Over HIV Needle Attacks."
  The [London] Independent.  17 September 1990  (p. 14).   Pack, William.  "Man Sues After Sitting on Needle at BR Theatre."
  The [Baton Rouge] Advocate.  6 May 1997  (p. A11).   Rayner, Ben.  "Clubs Suffer As Needle Rumour Persists."
  The Toronto Star.  17 August 1998.   Rowe, Peter.  "Finding Truth in Needle Tale Is Hit or Myth."
  The San Diego Union-Tribune.  26 March 1998  (p. E1).   Thalji, Jamal.  "Pupils Are Injured by Needle on Bus."
  St. Petersburg Times.  1 February 1997  (p. 1).   Associated Press.  "Woman Pricked By Needle at Athens Theater."
  5 October 2005.   Associated Press.  "Police: Woman Pricked with Needle Shows No Illness."
  AccessNorthGa.com.  9 March 2006.   The Reuter Library Report.  "HIV-Positive Prisoner Charged with Wounding After Needle Attack."
  24 July 1990.   The Reuter Library Report.  "Infected Syringe Attacks Could Cost 25 Years in Australian Jail."
  28 November 1990.   The [India] Statesman  "AIDS Rumours Don't Stand the Test of Skepticism."
  30 July 1998.   Sunday Telegraph.  "'Your Money or My AIDS Blood.'"
  6 November 1994  (p. 5).   United Press International.  "AIDS Bandit Charged with Robbery, Assault."
  26 March 1992. Rep. Paul Ryan, R-Wis. -- the author of a budget plan that won approval from the Republican-held House but which was assailed by Democrats because it proposes significant changes in how Medicare works -- gave a speech to the Economic Club of Chicago on May 16, 2011. In it, he criticized President Barack Obama on tax policy.Ryan said that his own budget plan makes the tax code simpler, flatter, fairer, more globally competitive and less burdensome for working families and small businesses. By contrast, the president says he wants to eliminate deductions, but he also wants to raise rates. That includes raising the top rate to 44.8 percent. That would amount to a $1.5 trillion tax increase on families and job creators.A reader e-mailed us to ask whether the president really wants to raise rates to 44.8 percent, since the most widely discussed Obama tax proposal is to reinstate marginal income tax rates that were in effect for the wealthiest taxpayers before approval of the 2001 and 2003 tax cuts proposed by President George W. Bush. As the reader pointed out, Obamas proposal to let Bushs tax cuts lapse would raise the top marginal income tax rate from 35 percent to 39.6 percent -- not to the 44.8 percent that Ryan cited.We began by asking Ryans staff what he had meant by using that figure. Spokesman Conor Sweeney forwarded us a document that provided the reasoning that Ryan used to get to the 44.8 percent.Heres the relevant portion of that document:Top statutory rate, 2010: 35 percentExpiration of 2001/2003 lower rates, 2011: 39.6 percentPEP/Pease provisions reinstated, 2011: 41.6 percentNet 2.3 percent Medicare tax on wages/salary: 43.9 percent0.9 percent nondeductible Medicare tax,2013: 44.8 percentWeve already discussed the references to the 35 percent and 39.6 percent figures. Heres a rundown of the rest:PEP/Pease. These are two caps on how much income is subject to taxation for wealthy Americans. (Most Americans do not earn enough to trigger them.) The first, the personal exemption phase-out, limits the benefit of the personal exemption for taxpayers earning above a set amount of income. The second sets a similar cap for itemized deductions. The two taxes were steadily reduced under the Bush tax cuts, disappearing entirely for 2010. The two caps are set to be revived in 2012, like the rest of the Bush tax cuts, unless Congress and the president agree to  intervene.Ryans staff and tax experts we consulted with disagreed somewhat over how big a hit the PEP and Pease revivals would be, but their estimates ranged from about 1 to 2 added percentage points. So on the low end of that scale, Ryans estimate is slightly high, but the difference is modest.Medicare taxes. Currently, the Medicare tax is 2.9 percent, split evenly between the employee and the employer. The new health care law would add a 0.9 percent, nondeductible tax to the employees side, so the new total is 3.8 percent, of which 2.35 percent is borne by the employee and 1.45 percent by the employer. To that employee share, Ryan added almost a percentage point to account for what he sees as lower employee salaries due to the employers share of the payroll tax. On balance, Ryan estimates the combined net increase from Medicare taxes to be 3.2 percent.So for Medicare taxes as well, Ryans staff made some assumptions that would be open to critique. But once again, the range of possible rate increases is fairly small -- about one percentage point.So even if you dont buy Ryans assumptions, the most hed be off in his final number is about 2 percentage points.Now, how about the way Ryan described his number?Usually, weve seen politicians use the term the top rate to refer to the marginal income tax rate for the highest tax bracket, not that tax rate plus several other taxes. So, one could say that using the 44.8 percent figure is a subtle way of adding an extra 5.2 percentage points to Obamas tax proposal, making it look more draconian.But when we asked both liberal and conservative economists what they thought about Ryans phrasing, most were largely untroubled.For non-tax people, I suppose he could have specified that 44.8 would be the combined marginal tax rate, though it's not clear that would have helped the average person understand, said Dan Mitchell, an economist with the libertarian Cato Institute. Short of engaging in lengthy digressions, I'm not sure what Ryan could have done differently.If Ryan had used a specific definition of the tax rates in his speech, such as the effective marginal income tax rate, then that would be misleading, added J.D. Foster, an economist with the conservative Heritage Foundation. But he didnt, Foster said, and that gives him some space to define what he means.Dean Baker, a liberal economist, said hed give Ryan a pass on this. Ryan left out that most of the rates listed in the document would be reverting to prior levels, rather than being imposed for the first time by Obama, Baker said. However, on balance, Baker said he feels that Ryans statement is largely true.So where does this leave us? On Ryans number, its possible to argue that the actual rate is as low as 42.8 percent rather than 44.8 percent, but thats open to debate. On his description of what the number means, Ryan -- particularly given that he was working from a prepared speech -- could have been clearer by saying something like, The various parts of Obamas tax agenda would together push the highest marginal tax rate up to 44.8 percent.Still, the figure Ryan used is close to what the tax rate would be if Obamas agenda is followed, and a cross-section of economists we asked thought that Ryans presentation of that number was reasonable. On balance, we rate it Mostly True. FACT CHECK: Is the city of Seattle forcing local businesses to comply with Sharia law?  Claim: The mayor of Seattle has "launched" a new "rule" forcing businesses to comply with Sharia law.   MOSTLY  WHAT'S :   Seattle is exploring options to make home loans accessible to Muslims who are unable to participate in standard mortgage programs due to religious proscriptions.     WHAT'S :  Seattle businesses are being forced to comply with tenets of sharia law. Examples:  [Collected via Twitter, July 2015] Seattle Mayor Planning to Force Banks to Give Sharia Compliant Homes Loans to Local Muslims https://t.co/QSKZ1XqzMB https://t.co/QSKZ1XqzMB  Warner Todd Huston (@warnerthuston) July 17, 2015 July 17, 2015   Seattle's Liberal Mayor Caves To Muslims Following Sharia Law - BuzzPo https://t.co/A3m76OJz7r https://t.co/A3m76OJz7r  EMERSON E.RODRIGUES (@EMERSON_NALITA) July 17, 2015 July 17, 2015   Mayor, no Sharia law applies in America!! Stop this unconstitutional junk. https://t.co/fx7VENmVQx https://t.co/fx7VENmVQx  Bunch (@bunch1243) July 17, 2015 July 17, 2015   Origins:On 17 July 2015, the unreliable web site Conservative Tribune published an article titled "ALERT: Seattle Mayor Launches Rules to Force Local Businesses to Comply With SHARIAH LAW" claiming that: article In one major American city, new rules may force banks to comply with Shariah law on lending and interest. One of the major tenets of Shariah law is that Muslims cannot pay interest on loans. In countries with large Muslim populations, theres something known as Islamic banking, which manages to get around this through various machinations. Seattle Mayor Ed Murray wants to see that change, and hes apparently willing to force banks into Shariah-compliant lending if necessary. This means that, if it passes, Seattle will be the first city in America to mandate that its banks allow access to Shariah-compliant financing.  That claim was sourced to the TeaParty.org site's article "Seattle Mayor Offers Plan for Sharia-Compliant Housing Rules," which offered the following visual: article That article was a word-for-word copy of a Puget Sound Business Journal article about a potential plan by the mayor of Seattle to help Muslims obtain home loans to buy houses.  Quoting both Seattle Mayor Ed Murray and Council on American-Islamic Relations (CAIR) Seattle-area Chapter Executive Director Arsalan Bukhari, the article explained that the city was examining housing options available to home-buying Muslims who are prohibited from participating in the traditional American housing market due to religious restrictions that prohibit them from obtaining standard home loans (despite their having desirable credit profiles): article   For some Muslims, it can be hard to buy a house, and Mayor Ed Murray plans to do something about it. Murray's housing committee released its recommendations for ways the city can increase housing in the city. Most ideas were what you'd expect, including increasing the city's housing levy and implementing new rules and regulations to foster development of market-rate and lower-income housing. One suggestion would help followers of Sharia law buy houses. That's virtually impossible now because Sharia law prohibits payment of interest on loans. The 28-member committee recommended the city convene lenders and community leaders to explore options for increasing access to Sharia-compliant loan products. More and more lenders are offering Sharia-compliant financing. The sector has grown to more than $1.6 trillion in assets worldwide over the past three decades, and analysts see potential for continued growth as the number of Muslims in the United States and Europe grows. Based on what he called "rough anecdotal evidence," Bukhari estimated a couple hundred people aren't borrowing money for houses due to their religion. He said this includes even high-wage earners, such as the more than 1,000 Muslims who work for Microsoft and more than 500 Amazon.com  employees. They could easily qualify for home loans but opt not to apply "simply because they don't want to pay interest," Bukhari said. "We will work to develop new tools for Muslims who are prevented from using conventional mortgage products due to their religious beliefs," Murray said. The overall topic of Seattle-area Muslims and banking products was also addressed in another Puget Sound Business Journal article about retirement plans. According to that piece, CEO Thom Poulson of Falah Capital is working to facilitate opportunities for Muslim tech workers to access products such as 401(k)s and mortgages previously inaccessible to them due to religious barriers: article   It's estimated that more than 1,000 Muslims in the Puget Sound region work for Microsoft, and for those who closely follow their faith, it can be difficult to participate in the company's retirement plan. That's because Sharia law forbids them from investing in funds with holdings in companies that peddle pornography, alcohol and other vices. It's almost impossible for retirement funds to guarantee all their investments are free from those kinds of businesses. This has become an issue for workers at other tech companies, too. "You have people who aren't getting the full benefits of their employer's offering," said Thom Polson, CEO of a new Seattle company, Falah Capital LLC, which works with Muslims to ensure they're investing while staying true to their beliefs. In partnership with Seattle-based Russell Investments and IdealRatings of San Francisco, Falah set up its first Islamic exchange traded fund (ETF) last fall. Listed on the New York Stock Exchange under the ticker "FIA," the Russell-IdealRatings Islamic US Large Cap Index, the ETF is the first of its kind on the exchange. Polson said a large percentage of the Muslims who work at tech firms are not using their 401(k) plans because they're not Sharia-compliant. "All of our advisory business is about addressing these needs," Polson said, adding his company is working with clients from the Muslim Association of the Puget Sound. The association has a large community center with a mosque in Redmond near Microsoft's headquarters. Next up for Fallah is a possible foray into home mortgages so clients can buy houses without taking out interest-bearing loans, which is against Sharia law. As part Seattle Mayor Ed Murray's landmark housing initiative, the city plans to work with lenders to help observant Muslims buy homes.   What these articles address are efforts to help businesses  service a significant portion of the local Seattle-area working population who are unable to utilize those business' current offerings  due to religious limitations, not to force businesses to comply with tenets of sharia law.  Mayor Murray's 13 July 2015 "Action Plan to Address Seattles Affordability Crisis" merely included a policy point of "explor[ing] the best options for increasing access to Sharia-compliant loan products," not mandating that any local businesses offer such products: Action Plan  Support the Community in Finding Housing Tools for Sharia-Compliant Lending: For our low- and moderate-income Muslim neighbors who follow Sharia law  which prohibits the payment of interest or fees for loans of money  there are limited options for financing a home. Some Muslims are unable to use conventional mortgage products due to religious convictions. The City will convene lenders, housing nonprofits and community leaders to explore the best options for increasing access to Sharia-compliant loan products to help these residents become homeowners in Seattle.   Last updated: 17 July 2015 Originally published:  17 July 2015 Claim: The Powerball and Mega Million lottery games are giving away $1 million topeople who share a message on Facebook.  Example: [Collected via e-mail, October 2015] Powerball and mega million to give away 1 million dollars online. Is this true? Origins: In mid-October 2015, social media postings began touting that the Mega Millions and Powerball lottery games were giving away $1 million to people who shared a Facebook message:     These posts were nothing more than variants of the long-running sweepstakes scam, which has previously targeted customers of such entities as Walmart, Home Depot, and Publix. Each of these scams exhibits slight variations, but they all seek to reach a larger audience by requiring people to share thescam with their friends on Facebook. While these charlatans promise that sharing, liking, or commenting on a given Facebook post will make a person a millionaire, what Facebook users who fall for the come-ons are really doing is spreading a malicious scam to more and more potential victims: Walmart Home Depot Publix requiring Don't believe what you see. It's easy to steal the colors, logos and header of an established organization. Scammers can also make links look like they lead to legitimate websites and emails appear to come from a different sender. Legitimate businesses do not ask for credit card numbers or banking information on customer surveys. If they do ask for personal information, like an address or email, be sure there's a link to their privacy policy. Watch out for a reward that's too good to be true. If the survey is real, you may be entered in a drawing to win a gift card or receive a small discount off your next purchase. Few businesses can afford to give away $50 gift cards for completing a few questions. Several state lotteries have warned their players against Facebook scams:    If you want to win the Mega Millions or Powerball lottery games, your best method for achieving that goal is to actually go out and buy a ticket. Of course, some might consider that approach scarcely better than doing nothing, since the odds of winning $1 million in Powerball are less than1 in 11 million. odds   Last updated:15 October 2015 Originally published: 15 October 2015 This appeal to help a child with cancer is merely yet another reiteration of a long-running class of hoax (often built around like farming), one which lures the gullible into spreading such messages by promising that some entity (such as Facebook) will donate money towards the medical treatment of a child with cancer (or some other disease) every time the message is forwarded, posted, liked, or shared. Multiple charities and companies have been unfairly dragged into such hoaxes over the years by being named in messages like these, causing them to have to spend considerable time and effort disclaiming them. hoax like farming The child whose photograph was appropriated for this hoax is not displaying visible symptoms of cancer.He's identified on multiple other online sites as a boy experiencing a reaction to the MMR vaccine and/or a case of rubella. identified reaction MMR vaccine rubella  Others versions of this hoax positing that Facebook will donate money every time such an item is liked or shared have circulated using a variety of different (unrelated) pictures: this child's got a cancer. facebook is ready to pay 3 cent for every share. we don't know is it true or not, but let's everybody share. maybe it's true and then...  >SHARE< for this baby PLEASE SHARE, THANKS! By: 999,999,999 people  She's suffering form cancer! Facebook has promisedto give $1.20 Dollars on each share! Please, share and make it.  On theaccount of:  Imran Khan  He is terribly sick :(What if this was your baby?  Would you care at all?Facebook will donate $1 for every share   This child has lost his 4 limbs in a school bus accident.Facebook will pay 1$ for every share..... "      Cook, Morgan.  "Mother Works to Stop Exploitation of Child for Online Hoax."
   North County Times.  9 February 2012. Claim:  Best Buy is distributing free $1,000 gift cards to users who click an online link.  Examples:   [Collected via e-mail, April 2012] Your entry last month has Won!!  Goto [URL elided] and enter your Winning Code:  3333 to claim your free $1000 BestBuy GiftCard!  [Collected via e-mail, October 2012] Your entry last month has Won!  Go to [URL elided]  and enter your winning code 5555 to claim your FREE $1000 Best Buy Gift card within 24 hours.   Origins:  In October 2012, a scam purporting to offer free $1,000 Best Buy gift cards to those who accessed a proffered link then entered a "winning code" spread by cell phone text message. It was a reprise of a March 2012 scam that invoked the name of the same retailer to lure the unwary. Those who attempted to claim the enticing freebie were then led to a web page (which was not operated or sponsored by electronics retailer Best Buy) that asked them to certify they were U.S. residents over the age of 18 and had agreed to the privacy policy and terms and conditions of the site they'd been sent to, the latter being: This Gift Redemption Program is an independent rewards program for consumers and is not affiliated with, sponsored by or endorsed by any of the listed products or retailers. Trademarks, service marks, logos, and/or domain names (including, without limitation, the individual names of products and retailers) are the property of their respective owners. THE FOLLOWING IS A SUMMARY OF PROGRAM REQUIREMENTS. SEE TERMS & CONDITIONS FOR COMPLETE DETAILS. Members are being accepted subject to the following Program Requirements: 1) Must be a legal US resident; 2) must be at least 18 years old or older; 3) must have a valid email and shipping address; 4) Eligible members can receive the incentive gift package by completing two reward offers from each of the Silver and Gold reward offer page options and nine reward offers from the Platinum reward offer page options and refer 3 friends to do the same. Various types of reward offers are available. Completion of reward offers most often requires a purchase or filing a credit application and being accepted for a financial product such as a credit card or consumer loan. Those still in hot pursuit of the promised $1,000 gift cards were then asked to provide their names, mailing addresses, e-mail addresses, cell phone numbers, and dates of birth, or were taken directly to web pages that required them to select a number of  "free" offers. As always, it was just a con meant to trick the credulous into divulging their personal information and signing up for expensive services. The Better Business Bureau provides this advice on avoiding being victimized by such scams: Better Business Bureau If you receive a questionable or unsolicited text message, check the URL or phone number for free on the Better Business Bureau website. website Most financial institutions, utility, or other business will not communicate with you via text message. If you do not recognize the website or phone number being sent to you, don't visit or call it. Don't e-mail or text personal and financial information. Review your credit card and bank statements to make sure there are no unauthorized charges. Other recent scams of similar construction include: $50 or $100 Starbucks gift cards [October 2011] Starbucks  $25 Tim Hortons gift cards [October 2011] Tim Hortons  Apple iPods, iPhones, or MacBooks in memory of Steve Jobs [October 2011] Apple  $1,000 Costco gift cards [December 2011] Costco  $1,000 Walmart gift cards [March 2012] Walmart  Pair of JetBlue air travel tickets [April 2012] JetBlue Last updated:  5 October 2012