Are $250 coupons being offered by Kohl's to users on social media platforms?
In April 2020, a coupon purporting to offer $250 in merchandise from the Kohl's department store circulated in Facebook posts directing viewers to click on a survey question:    This was a scam. Such efforts that trick viewers by offering free goods or money are long-standing. Kohl's is also a frequent target of such scams, but this fraud can target any business, from airlines to beer makers. A good rule of thumb to follow: If an offer seems too good to be true, it probably is. also frequent any airlines beer makers These types of viral "coupon" scams often involve websites and social media pages set up to mimic those of legitimate companies. Users who respond to those fake offers are required to share a website link or social media post in order to spread the scam more widely and lure in additional victims. Then those users are presented with a survey that extracts personal information such as email addresses, telephone numbers, dates of birth, and even sometimes credit card numbers. Finally, those who want to claim their "free" gift cards or coupons eventually learn they must first sign up to purchase a number of costly goods, services, or subscriptions. Despite the latest coupon scam above, Kohl's was indeed celebrating its 57th year as a department store, as of September 2019. It opened its first store in Brookfield, Wisconsin, according to company literature. In 2016, a variation of the same type of scam circulated, offering viewers $75 off purchases. literature variation The Better Business Bureau offers consumers several general tips to avoid getting scammed: offers consumers WHP.  "Scam Alert: Kohl's $75 Off Coupon Is Too Good to Be True."
  24 May 2016. Better Business Bureau.  "Scam Alert: Giveaway Scam Poses as Facebook."
  14 April 2017.
On 24 October 2016, health insurance broker Tyler McClosky created a phenomenon on Facebook when he posted a screen shot of what it would cost for a family of four with a total household income of $98,000 in Lee County, Florida, to buy insurance on the Affordable Care Act's marketplace: We were able to recreate McClosky's viral post using the shopping tool at healthcare.gov and the same data he entered (two non-smoking parents with a combined income of $98,000 and two 8-year-old children in Lee County, Florida): tool   But data sent by a Department of Health and Human Services official pointed out that 81 percent of families of that size on an Obamacare plan have household incomes of less than $48,000. So the average family currently subscribing to Obamacare would not be paying nearly as much as the image above depicts in their out-of-pocket premium costs. We entered the same data but changed the income to $48,000 here:   McClosky created the post on 24 October 2016, the same day a report by the Department of Health and Human Services was released detailing an average 25 percent increase in costs to the Affordable Care Act (Obamacare) customers: customers Across states using the HealthCare.gov platform, the median increase in the second-lowest cost silver plan premium is 16 percent, while the average increase is 25 percent. This figure varies based on locale. For instance, a table compiled by the Kaiser Family Foundation shows that people in Phoenix, Arizona will have a 145 percent premium increase, but a tax subsidy will mean a 40-year-old, non-smoking Phoenix resident with a $30,000 annual income will not have to pay any more than last year (which is roughly $207 a month, depending on the plan selected). table According to data sent by the Department of Health and Human Services (HHS), a majority of consumers covered by the ACA (85 percent) qualify for tax credits that keep pace with premium increases, so many won't see much of an impact on their out-of-pocket costs. data But McClosky was addressing people whose income disqualifies them from that assistance. He told us he used the $98,000 annual income as an example because that is the threshold at which households of four with two children do not qualify for tax credit assistance (you qualify if you make up to 400 percent of the federal poverty line). He said he created the post because he wanted to raise awareness about what it costs to insure a family in which each adult is making an annual salary of $44,000, and neither has access to employer-based health care  a fairly common situation in the United States. His concern, he said, is that only consumers who qualify for a tax subsidy can afford insurance under ACA. If their incomes are too high to qualify for assistance, they may simply go without. While the number of uninsured Americans dropped under ACA, as of 2015, 28.5 million people still lack coverage. Per the Kaiser Family Foundation: Even under the ACA, many uninsured people cite the high cost of insurance as the main reason they lack coverage. In 2015, 46% of uninsured adults said that they tried to get coverage but did not because it was too expensive. Many people do not have access to coverage through a job, and some people, particularly poor adults in states that did not expand Medicaid, remain ineligible for financial assistance for coverage. Some people who are eligible for financial assistance under the ACA may not know they can get help, and others may still find the cost of coverage prohibitive. In addition, undocumented immigrants are ineligible for Medicaid or Marketplace coverage. Eric Seiber, associate professor of health services management and policy at Ohio State, said that the health care system in the United States is the most expensive in the world, and costs have steadily increased over the years. Despite its name, the Affordable Care Act doesn't actually address the cost of health care itself: The ACA is not health care reform. Its health insurance reform. It really doesnt do that much about affordable care or patient protection beyond the subsidies and Medicaid. People's perception that their wages have been flat is an effect of compensation increases going to cover rising healthcare costs instead of into their paychecks, Seiber said. McClosky, who sells health and life insurance plans in Florida, said that the Affordable Care Act has had the effect of diminishing competition among carriers. For instance, Lee County residents can only purchase Blue Cross Blue Shield. Prices in Miami-Dade are lower than in Lee County, because there are more carriers competing with each other. McClosky says insurance carriers have been squeezed by part of the mandate which requires them to spend 80 to 85 percent on claim payouts and health care quality improvement. He pointed to Assurant, a 123-yea-old insurer that specialized in individual and small business plans. They could not survive under the ACA and filed for bankruptcy in 2015. Health care is a source of roiling political debate for years. While the cost of health plans under Obamacare will go up an average 25 percent as of 1 November 2016, the majority of consumers won't experience much change in their out-of-pocket costs when open enrollment starts for 2017, because the tax credits will buffer that increase. Further, as the New York Times pointed out, many Americans are shielded from the immediate costs of health care by employer-based insurance or the public programs: pointed out These increases really matter only for those who buy their own insurance. Most people are unaffected by the rate increases because they get their insurance through an employer or are covered through government programs like Medicare, Medicaid or the Department of Veterans Affairs. Only a small fraction of Americans who have insurance buy individual policies. There are about 10 million people in the Obamacare markets and around an additional seven million who buy health plans outside the marketplace, according to Obama administration estimates. The published rate increases apply only to people who shop in the markets, but premiums are expected to go up sharply for the other plans as well. However, as McClosky's post makes clear, whether people notice it or not, American health care costs are high  and not everyone can qualify for available assistance. Kaiser Family Foundation. "2017 Premium Changes and Insurer Participation in the Affordable Care Acts Health Insurance Marketplaces."
25 October 2016. ASPE Research Brief. "Health plan choice and premiums in the 2017 health insurance marketplace."
24 October 2016. Abelson, Reed, and Sanger-Katz, Margaret. "A Quick Guide to Rising Obamacare Rates."
The New York Times. 25 October 2016. Boulton, Guy. "Milwaukee-based Assurant Health to be sold off or shut down."
Milwaukee Journal Sentinel. 28 April 2015. As a result of a decision last year by the Rhode Island Board of Governors for Higher Education, students who are in the state illegally who graduate from Rhode Island high schools are eligible for the in-state tuition rate if they decide to go to a state college or university. The ruling sparked a furor among advocates of strict enforcement of immigration laws.Two bills --one that would reverse the boards decisionandone that would make the policy state law-- were the subject of an April 24, 2012, hearing before the House Committee on Finance.William T. Terry Gorman, executive director ofRhode Islanders for Immigration Law Enforcement, argued for reversing the regents policy, saying the state would be subsidizing a college education for people who aren't employable because they are in the country illegally.Please keep in mind that these students, when they're attending high school, they're illegal aliens. When they graduate, they're illegal aliens. When they enter college, they're illegal aliens. Because of that status, they're not allowed to get a job to help pay their way through college. They're not allowed to get a driver's license to drive back and forth to college. And when we've provided them that four years of in-state tuition, they're not allowed to get a job, Gorman said. They can't get a job at Textron, they can't get a job at CVS, they can't get a job at Gilbane, they can't get a job at Dunkin Donuts, and they can't get a job at Burger King because of their status. And we provided them with four years of a college education.He again emphasized that point later in the hearing: When these students graduate from college, they're still illegal aliens. They cannot get a job. How does that help the economy?One could argue that it's good to have the state's smartest students -- whether legal or illegal -- move into the Rhode Island work force.But will those undocumented college grads really end up unemployed anyway?We were particularly curious because three of the 12 states that have passed laws to provide in-state tuition for undocumented high school graduates -- California, New Mexico and Texas -- are places where the illegal immigration issue is particularly prominent, thanks to their borders with Mexico.Are those states doing something different, allowing companies to tap the best-educated, motivated undocumented residents?The answer is no, saidLaura Vazquez, a legislative analyst for theNational Council of La Raza, a Washington, D.C.-based Latino civil rights and advocacy organization. She said the situation is the same throughout the United States. When they graduate, we don't get the benefit of having this educated group of people who are eager and ready to contribute fully.They do find work. Some of them are working under the table under poor conditions. Some work for family. A number of students go to law school or enroll in Ph.D. programs, she said. But companies can't hire them because the government requires that all workers be checked for employment eligibility.Graduates could seek employment overseas, but a lot of these kids feel American through and through and want to practice their skills here, Vazquez said. And if they were to leave the country to take an overseas job they won't be allowed back in for a long time. Immigration law says, in general, if you've been in the United States illegally for more than one year after reaching age 18, once you leave the country you are banned from reentering for 10 years.In a few cases, undocumented people who have been scheduled for deportation have gotten a waiver from the Department of Homeland Security, which allows them to seek a work permit. But the DHS is very stingy with it, she said.Other immigration experts told us the same thing: Gorman is essentially correct.It is true that undocumented college graduates are legally barred from working. The only exception is in rare cases they have been able to obtain contract work provided there is no employer/employee relationship, said Kent Wong, director of the Center for Labor Research and Education at the University of California, Los Angeles.Gorman sent us a link toa Huffington Post storyabout Iliana Guadalupe Perez, a mathematician and undocumented immigrant, who has writtena free online guidedetailing how undocumented college graduates can find work. Her advice was also to seek work as an independent contractor where proof of citizenship isn't required.When we asked Gorman what was going on in the border states, he suggested that graduates may be able to get jobs because enforcement was lax. He said a source in San Diego reported that immigration officials are not checking on hardly anything regarding illegal aliens here right now, least of all the status of recent college grads applying for jobs. She said the governor just authorized state scholarships for the illegal alien students.I also spoke with Jim Gilchrist from theMinuteman Projectand he echoed basically the same sentiments. He did say there has been more employer audits by ICE [U.S. Immigration and Customs Enforcement] but not of the type that would be looking for illegal alien college grads, Gorman said in an e-mail. (The Minuteman Project pushes for stronger enforcement of immigration laws. )I also spoke with the Policy Director of The Center for Immigration Studies and she said she has never heard of any enforcement efforts in Texas or California regarding illegal alien college grads, said Gorman. The center is a research group that opposes illegal immigration and wants less legal immigration into the United States.However, given the strictness of the law, a special effort to focus on college graduates may not be necessary.Michael Olivas, director of the Institute of Higher Education Law & Governance at the University of Houston, said the why-give-them-a-tuition-break-when-they-can't-get-a-job argument is a diversion from the real problem: children brought to the United States, sometimes at a very young age, are left in this netherworld where they can neither work nor be licensed once they become adults.And when their inability to find work is used to try to prevent them from being eligible for the same in-state educational opportunities as their peers, its the worst kind of misdirection. It's hiding the larger issue, said Olivas, a proponent of the federal DREAM Act, which would give such students a path to citizenship.Our rulingTerry Gorman, during testimony on the question of whether to let Rhode Island's undocumented high school graduates take advantage of in-state tuition rates, said, When these students graduate from college, they're still illegal aliens. They cannot get a job.The experts we spoke with said he's generally correct, although they can, in a few cases, be hired as independent contractors.Over all, we rate the claim asTrue. (Get updates fromPolitiFactRI on Twitter. To comment or offer your ruling, visit us on ourPolitiFact Rhode Island Facebookpage.) In early March, the price of oil shot up rapidly in response to Russias invasion of Ukraine and the United States decision to ban imports of Russian energy. Coupled with inflation, increased labor costs and other factors that had already raised the price of gasoline, drivers in the U.S. quickly saw much higher prices at the pump. By March 14, the price of oil started todrop, but gasoline prices have been slow to follow, prompting some social media users to make comparisons to 2008 and accuse oil and gas companies of price gouging. Thetermis generally used when businesses take advantage of rising demand during a crisis and charge exorbitant prices for necessities. One Facebook post claimed that the price of oil was $141.71 per barrel in June 2008 while gas cost $4.10 per gallon on average. In March 2022, the post said oil cost $99.76 per barrel, while the average price of gas was $4.32 per gallon. If youre blaming anyone but greedy oil companies for their price gouging, youve bought into propaganda that hurts you more than anyone else, theMarch 14 postsaid. The post was flagged as part of Facebooks efforts to combat false news and misinformation on its News Feed. (Read more aboutour partnership with Facebook.) Other posts similarly claimed that because oil prices fell and gas prices didnt, companies must be exploiting consumers. Posts with misleading claims about the relationship between the price of oil and the price of gasoline. Experts who study the price of oil and gas told PolitiFact that it takes more time for gas prices to respond to changes in crude oil costs  and noted that there are factors in 2022 that werent at play in 2008, which make direct comparisons misleading. The numbers are also cherry-picked, and the difference in pricing between 2008 and 2022 isnt as large as the post suggests. Crude oil prices are set in the global market. And the price of crude oil has the biggest impact on the price of gasoline  thats been the case for nearly all changes in retail gasoline prices in the past 35 years, said Mark Finley, afellowin energy and global oil at Rice Universitys Baker Institute for Public Policy. When Russia  the worldsthird-largestoil producer  attacked Ukraine at the end of February, the uncertainty, fear of further conflict and international efforts to reduce reliance on Russian oil drove upcrude oil prices. High oil prices can quickly drive up prices at gas stations nationwide, experts said. After oil prices fall, it typically takes a while for gas prices to decrease and consumers often assume foul play even when there isnt any, said Nicole Petersen, a GasBuddy spokesperson. Gas stations lose profit when oil prices increase sharply because they cannot drastically lift gas prices due to local competition, Petersen said. Then, when oil prices fall, gas stations try to recoup any losses before lowering their prices, she said. Unique factors in each states gasoline market also affect gas prices, said Devin Gladden, a AAA spokesperson. Locally, gas stations might have contracts with gasoline dealers that lock in prices at a certain rate for set periods of time  sometimes weeks or months, he said. The March 14 Facebook postcorrectlycited the average priceof a gallon of gas that day: $4.32. But it cherry-picked its $99.76 figure for the price of crude oil. West Texas Intermediate crude oil is traditionally used as a U.S. benchmark when discussing and comparing oil prices. On March 14, WTI crude oil hit a low of $99.76, but the closing price was$103.01. Gas rose to $4.32 per gallon on March 14 as a result of oil prices being around $130 per barrel at times in the first half of March, Gladden said. The Facebook post was wrong about prices in June 2008. Themonthly averageprice of a gallon of gasoline was $4.05, and the average price ofWTI crude oilwas $133.88 per barrel, less than what the post claimed. The data set in this posting is misleading because it gives people this impression that crude prices are more stationary than they are, Gladden said. In all actuality, they are highly volatile. Posts comparing June 2008 prices to current prices also mislead because they compare a full month of data to half a month in 2022, experts said. Different global conditions are also at play. In 2008, the spike in oil and gas prices was tied to the financial crisis. The recession caused a drop in demand for gasoline, and as the economic recovery began, there was an immediate ramp-up in production to meet growing supply needs. That supply crunch, caused prices to spike, Gladden said. In March, the Russia-Ukraine conflict caused panic and speculation that contributed to the rapid price rises, Gladden said. But its also normal for prices to rise this time of year due to the demand from the spring and summer driving season, he said. In part, that will keep prices elevated even though oil prices have declined, Gladden said. Also, an ongoing truck driver shortage, increased labor costs and high inflation in the U.S. have caused gas prices to rise. On top of that, Gladden said the oil industry is still recovering from the COVID-19 pandemic, which decreased gas prices due to decreased demand. State-level taxes on gasoline are also about 7 centshigherper gallon now than they were in2008, Finley said. A Facebook post claimed that comparing the price of oil and gas in June 2008 to March 2022 shows that oil companies are price gouging. Experts said it takes time for gas prices to respond to drops in crude oil costs, and thats not necessarily indicative of price gouging. The posts numbers are cherry-picked; the difference in prices isnt as great as it suggests. The current situation differs from 2008 because increased labor costs, the pandemic, additional taxes and inflation were all already contributing to rising gasoline prices before Russia invaded Ukraine in February. Direct comparisons lack important context, experts said. We rate these posts False. RELATED:Ask PolitiFact: Why are gas prices going up? RELATED:How much blame does Putin deserve for high gasoline prices? If Mary Burke has said it once, shes said it a thousand times: Wisconsins dead last in Midwest job growth. The Democratic candidate for governor uses the line in TV ads, in interviews and her stump speech, all aimed at countering Republican Gov. Scott Walkers message that Wisconsin is back on after the Great Recession. Burkesalliesrepeat the claim. One example, from a Burkecampaign television spotthat first aired in July 2014: Its Walkers agency that gave millions in tax breaks to companies that relocated jobs overseas. Another reason Wisconsins dead last in Midwest job growth. As this is spoken, the TV spot rolls through a list of nine states before settling on Wisconsin at the bottom: North Dakota, Michigan, Indiana, Minnesota, Nebraska, Ohio, South Dakota, Iowa and Illinois. With a new Walker TV ad bragging thatwere third in the Midwest in job growth, we thought it was time to look at both claims. In both cases, and like so many claims in a campaign that any numbers nerd would love, evaluation depends on two things: the timeframe and the measuring stick. In the Burke ad, the narrator in the spot doesnt say what time frame was analyzed. But the fine print in the ad cites data collected for the Quarterly Census of Employment and Wages. And the footnote says the ad compares quarter four of 2010 -- the last before Walker took office -- to quarter four of 2013. That is still the latest available quarterly data. That data, reported by the U.S. Bureau of Labor Statistics, is considered the most exhaustive and credible for employment trends. It is based on a census of 96 percent of all American non-farm employers. Our examination of the data for the three-year period cited by Burke shows Wisconsin 10th out of the 10 states --  dead last -- just below Illinois when it comes to growth in private-sector jobs. The low growth in jobs in Wisconsin has been matched by very low income growth and poor levels of consumer spending, University of Wisconsin-Milwaukee labor economist John Heywood told us. The state has been slower than its peers in recovering from the recession. Nationally, Wisconsinranked 35th. Heres the regional picture: State and midwest ranking on percentage growth in jobs Dec. 2010-Dec. 2013 Percentage change in employment National rank on percentage change 1. North Dakota 21.90% 1st 2. Michigan 8.71% 6th 3. Indiana 6.88% 15th 4. Minnesota 6.29% 20th 5. Nebraska 5.71% 24th 6. Ohio 5.65% 25th 7. South Dakota 5.28% 27th 8. Iowa 5.20% 28th 9. Illinois 4.21% 33th 10. Wisconsin 4.04% 35th Burke ranks the states by the percentage of growth. That is preferred by economists for state-by-state comparisons because it shows performance regardless of the states population. By another measure -- raw number of jobs created -- Wisconsin ranked sixth-best of the 10 states, we found. Limitations to the data There are two statistical points to consider. The most important is the definition of Midwest. Both Burke and Walker use the 10 states we mentioned. Theres a good case to be made for that: The Bureau of Labor Statistics Midwest regional office covers those 10 states. We found other instances in which the agency adds Missouri and Kansas into the Midwestern mix, for a total of 12 states. In that larger group, Wisconsin finishes 11th of 12, ahead of Missouri. Previously we ratedHalf Truea Burke claim in January 2014 that Wisconsin was last in the Midwest. The numbers worked out, but we faulted Burke mainly for a too-narrow comparison. She said Midwest, but looked only at the four states adjoining Wisconsin. We noted that at that time, before the 2013 numbers were complete, that Ohio and Nebraska (from the group of 10) and Missouri (from the more expansive BLS group of 12) had slower growth rates than Wisconsin. Finally, because its so comprehensive, reporting of the quarterly jobs data lags by at least six months, meaning the picture may be a bit outdated by the time it is released. The next quarterly jobs figures, covering the first quarter of 2014, are set for mid-September release. There is more recent jobs data available, from the monthly Current Employment Statistics surveys, but its based on a sample of only about 3 percent of employers. Those figures are prone to large margins of error but are also a widely cited source on job trends. Walker has called the quarterly data the gold standard, and has criticized the monthly data. But he has cited the monthly data, and does so in his new ad. Burke has used both at various times as well. Indeed, she was using the less-reliable monthly data back when we rated her earlier worst-in-Midwest claim Half True. Our rating Mary Burke contends that Wisconsins dead last in Midwest job growth. In the new version of this claim, she uses the most accurate jobs data for the longest Walker-era period that can be analyzed with it. And Wisconsin does bring up the rear. But due to the lag time, it does not reflect the most current trends. We rate the claim True. ...... Deciphering jobs claims Voters will hear many more jobs claims before the Nov. 4 election. Here are five tips for separating fact from fiction -- and hype from hard evidence -- when it comes to candidates and the numbers they use. Check the timeframe:If the statement covers a short period, it can be a red flag for cherry-picking data to find a good result. A longer time frame may be being used to mask more recent changes. Check the data source:The quarterly jobs numbers are more accurate than the monthly figures, but also more out of date. Be more skeptical of recent announcement about the monthly numbers, because they are subject to revisions can be significant. Raw numbers or percentages? :If the claim is that State X added more jobs than State Y, the statement may have limited information value. Look for percentage growth figures that level the playing field among states of varying sizes. Check the map:When the claim is best in the region, trust but verify. Are all relevant states included? Scrutinize the sector:Most claims focus on just the private sector, but sometimes partisans will add in public employees if it suits their purpose. Claim:  New York City pedestrians ignored a freezing, homeless child for two hours.  Example:  [Collected via Twitter, February 2015] You'll never guess who finally helped this homeless child freezing on the NYC streets. WOW  Origins:  On 23 February 2015, a video titled "The Freezing Homeless Child! (Social Experiment)" was published to YouTube by OckTV. The clip rapidly spread on blogs and social networks under clickbaiting titles such as "The homeless child was freezing to death while no one approached him. I never thought this guy would be the only one!" Within days, the video had been shared millions of times. While the footage tugged at many heartstrings, its creators were somewhat upfront about its staged nature. Dubbing the video a "social experiment," its publishers admitted that the child was neither legitimately homeless nor freezing in a manner that was anything more than incidental and deliberate. They claimed the "social experiment" (a term often used to excuse a number of unpleasant or deceitful  behaviors through the premise of illustrating a point) was designed to prove that the citizens of New York City would not be moved by the child's hypothetical plight, even in unusually cold weather.  Several aspects of the story were shaky, implausible, or simply far too scripted. First, the viral video producers claimed that the child was exposed for two full hours in what appeared to be a busy area of midtown Manhattan in broad daylight, wearing only a thin t-shirt and shivering violently. However, the New York Police Department aggressively monitors the streets of the city for at-risk homeless individuals. Such measures are stepped up in adverse weather conditions, and the scenario beggars belief when mitigating factors are examined: a minor child, lacking a jacket in extreme cold, left alone on the street in Manhattan's busiest district. monitors A webpage for NYC.gov explains the precautions undertaken by the city in such circumstances: The Department of Homeless Services (DHS) continues to use its Cold Weather Emergency Procedure, called Code Blue, to protect unsheltered homeless people, who are more at risk for exposure deaths during the cold winter months. During Code Blue conditions DHS doubles its outreach efforts. Community members that identify someone on the street they believe needs assistance should call 311 and ask for the Mobile Outreach Response Team; in any emergency community members should call 911. The Department of Homeless Services will send an outreach team to the location to assess the individual's condition and take appropriate action. The second shaky factor was the other content published by OrkTv prior to their "freezing, homeless child stunt": All were clearly manufactured for maximum social media interest, and their focus was neither charitable nor honest. (The words "prank" and "social experiment" appeared frequently in connection with that work.) In the same vein, the video's conclusion involved a fellow homeless person stepping up to help where no one else would. (The man was then purportedly awarded $500 for his convenient-to-the-narrative compassion.) The third factor was that the video was tied to an IndieGogo page purportedly created to raise funds to provide clothing for New York City's homeless population. That page was operated by OckTV and lacked any specific detail about how the funds raised would be managed, accounted for, or meaningfully used to assist homeless individuals in New York. And while the campaign could have been on the up-and-up, it was slated to close on 27 March 2015, well past the brunt of winter's unpleasantness in the city. No explanation was given on the page regarding whether the funds collected would be held until the next winter rolled around or repurposed to otherwise assist homeless people at the conclusion of the campaign. So while the video depicted a child on the streets of New York City in what looked to be very cold weather, little else about it was honest or straightforward. There are a number of legitimate, vetted charities in New York City dedicated to assisting vulnerable and needy people, and those moved by the video's staged events would do better to donate to one of them.  charities Last updated:  27 February 2015 At the end of June 2006, a new blog entitled "That Girl Emily" appeared at thatgirlemily.blogspot.com. Ostensibly the musings of a married, 35-year-old New Jersey realtor named Emily, the blog for the first few weeks reported what might be read as the ordinary musings of a suburban professional woman: details of a recent vacation with her husband (Steven, a financial consultant), frustrations she experienced in pilates class, her husband's slow climb up the corporate ladder, and (after prompting by her sister) a discussion of her declining sex life. thatgirlemily.blogspot.com The blog then took a sudden left turn when Emily's brother convinced her to hire a private investigator (PI) to "spy" on her husband  a suggestion which Emily promptly accepted, implemented, and concluded in short order, finding out in the process (Quelle surprise!) that her husband was carrying on an expensive affair with her best friend, Laura. Emily spent the next few weeks venting her anger at her lying, cheating husband in her blog, including divulging information about various revenge schemes she had enacted to get back at Steven, starting with the billboard pictured here:  This photo is what Ive been talking about, the favors that I called in for. Brilliant, isn't it? I think so. I ran out early this morning to beat the rush hour traffic (didn't quite go as planned but at least it wasn't standstill) and got a picture of my billboard. My way to tell the world about the lowlife I've just wasted so many years on. I put it near Steven's office so his co-workers and friends could see exactly what a cheating scumbag he is. And of course, for all of you to see as well. I've decided to do what so many quiet, back-stabbed wives don't  take charge, make my whoring, cheating, adulterous, fornicating husband know what it feels like to be humiliated. And do it with many decibels. It's a personal message for everyone to read. Thanks goes out to my husband who chipped in on the price tag. Golly gee honey, I would've never been able to tell the world about your exploits with my best friend without your contribution! Gotta love joint bank accounts. Oh, sorry Steve, I had to splurge on the lights, too. Some people work late, like you. And theyre always driving home when it's dark. Burning that midnight oil, Steve-o. Just like you. So for the next two weeks, starting with today, I will exact revenge on my whoring husband. And who knows what a disparaged woman with lots of resources at her disposal might do?! Many readers who had been following "Emily"'s blog already suspected that something wasn't quite on the level, and their suspicions were confirmed when billboards with text identical to the one pictured above ("Hi Steven, Do I have your attention now? I know all about her, you dirty, sneaky, immoral, unfaithful, poorly endowed slimeball. Everything's caught on tape. Your [soon-to-be-ex] Wife, Emily.") popped up not only in New York, but in Brooklyn, Los Angeles, and Chicago as well. Some sharp-eyed readers noticed that one of Emily's blog entries was remarkably similar to the plot line of an episode of Court TV's reality show Parco P.I., and the blog and billboards were soon revealed as a stealth promotion for the upcoming season of that television series: Parco P.I. The billboard created interest, and not just from an unfaithful Steven. A booking agent from "Good Morning America" sent an e-mail to Emily inviting her on the show. British Glamour wanted to make her the subject of a feature article. But when pictures of the billboard proliferated on blogs, readers quickly dug in. One fact soon emerged, thanks to camera phone pictures: the billboard was identical to others in Brooklyn, Los Angeles and Chicago. Someone else discovered that Emily was keeping a blog, thatgirlemily.blogspot.com, detailing Steven's infidelities. More digging showed that one Emily blog entry was oddly similar to a synopsis for an episode of "Parco P.I.," a reality show on Court TV. Another "source" sent an e-mail suggesting that Court TV was behind the signs, pointing out that it was a viral marketing campaign to promote one of its programs. Mystery solved. The bad news for viral marketers who use these kind of devices: executives at Court TV said they did not really want to be discovered so quickly. The good news is that even after the ruse was discovered, people visited the Emily blog, pushing it to one million hits by the end of [July 2006]. A fake surveillance video on the blog, supposedly from a private eye capturing Steven holding hands with his paramour, hit YouTube and became one of its most-viewed videos. Did it even matter that Emily was fictitious? "Emily is really an amalgam of all of us who have been cheated on," said Marc Juris, general manager for programming and marketing at Court TV. "Clearly, this really resonated with people." The "Emily" ruse was originally intended to be a stunt to help promote the start of the show's new season on Aug. 15, but Court TV's marketing group liked the idea so much that they made it a large part of the campaign.  Mr. Juris was still marveling: "It's like a flash investigation took place, and within 24 hours we were busted." A similar billboard was spotted in Greensboro, North Carolina, in March 2013, this one supposedly bearing a message from a scorned woman named Jennifer, whose unfaithful partner, Michael, was carrying on an affair with a woman named Jessica. The text of the billboard echoed MasterCard's classic "Priceless" campaign, listing items (e.g., a GPS tracker, a Nikon camera) Jessica had purchased to expose Michael's cheating ways and stating that she had used the couple's investment account to fund putting up the shaming sign.  Local news accounts identified this billboard as another advertising gimmick, in this case for a Greensboro yogurt and coffee shop: What is known is that the billboard is owned by Outdoor Signage, a local company whose phone number connects to the offices of Kotis Properties. Kotis also owns a yogurt and coffee shop  Yo Daddy Dessert Bar  on Westover Terrace, the name of which was [later] featured on the billboard. Jessica  Meet me at Yodaddys at 7:00 p.m. for some wine therapy.  Jennifer, the new message read.  Debbie Hill, vice president of Triad Outdoor Advertising (which is not affiliated with the sign), said she has never known of anyone locally buying a billboard for a revenge message. She added that personalized messages are rare in the business. Its usually way too expensive, she said. In January 2010, YaVaughnie Wilkins put up a series of billboards in New York, San Francisco, and Atlanta after learning that the married man with whom she had been carrying on an affair for over eight years, Charles E. Phillips, had reconciled with his wife. Those billboards bore no scornful messages, however  they simply displayed a romantic picture of the couple, along with their first names and a reproduced quote from Phillips stating "You are my soulmate forever":  The billboards did include a URL for a (no longer active) web site, charlesphillipsandyavaughniewilkins.com, which featured numerous photographs and other mementos documenting the multi-year relationship between Wilkins and Phillips. The attendant publicity forced Phillips, who at the time was the president of Oracle Corporation and a member of President Obama's Economic Recovery Advisory Board, to publicly acknowledge the affair. (YaVaughnie Wilkins' experience was also chronicled in the documentary film The Glamorous Lie.) The Glamorous Lie Berg, Emmett et al.  "Jilted Mistress Proclaims Love for Exec Ex with Billboard."
  New York Post.  22 January 2010. Bosman, Julie.  "Public Hath No Fury, Even When Deceived."
  The New York Times.  24 July 2006  (p. C6). Gardner, David.  "Revenge by Billboard."
  Daily Mail.  23 Janaury 2010. Tucker, Chad.  "Wifes Billboard Revenge a Clever Marketing Ploy by Restaurant Company."
  WGHP-TV [Greensboro].  20 March 2013. [Greensboro] News & Record.  "Greensboro Billboard Draws Attention."
  22 March 2013. Claim:  Osama bin Laden owns extensive gum arabic holdings. Status:  Not any more. Example:  [Collected on the Internet, 2001] Early this morning I was listening to the news. One of the commentators said that Osama Bin Laden owns a HUGE amount of stock in the company that makes Gum Arabic. Gum Arabic is known to be in some Softdrinks and many other food items. Check your cupboards and refrigerators, if you have products that use Gum Arabic get rid of them and do not buy products with the Gum Arabic additive. If we continue to use these products that contain Gum Arabic we are in essence supporting this mans terrorist attacks against OUR FELLOW AMERICANS!                                                 One thing that the US helps Osama Bin Laden is, he owns the COMPANY that makes GUM ARABIC mostly used in pop "MOUNTAIN DEW" IS ONE OF THEM, and other things. GUM ARABIC keeps things from settling in bottles and cans.  STOP BUYING ANYTHING WITH GUM ARABIC IN ITS CONTENTS. THE MONEY Goes to Bin Laden company. PLEASE SEND THIS TO EVERYONE.  This was on the news today. Origins:  The September 11 2001 attack on America has given rise to numerous rumors, some of which center on where terrorist Osama bin Laden gains his financing. In the wake of the attacks, rumors and and several erroneous media reports have linked him and his financial interests to a number of organizations and industries around the  world.  The exact extent of bin Laden's fortune can only be guessed at. The most commonly mentioned figuresindicate he is worth approximately $300 million USD. Drug running in Afghanistan is now thought to be a principal source of his income, as well as donations from wealthy Arabs who support his cause. Gum arabic is a resin that is used as an emulsifier in soft drinks, a thickener in candies and jellies, a binder in special-purpose inks and drugs, even a foam stabilizer in beer. Its name derives from the fact that the gum was shipped to Europe from Arabic ports.  According to The National Soft Drink Association: "The U.S. State Department was very specific in saying it has no evidence that bin Laden has any interest in the Sudanese gum arabic industry." (The National Soft Drink Association is the premier trade association representing the broad spectrum of companies that manufacture and distribute alcohol free beverages in the United States.) American industries that utilize gum arabic from Sudan  confectionery, cosmetics, pharmaceuticals dietary fiber, printing and some citrus-based soft drinks  obtain the final form of the product from domestic importers under the licensed approval of the U.S. State Department. In a September 15, 1998 Baltimore Sun article, a U.S. State Department official said bin Laden divested himself of all (Sudanese) holdings when he was expelled from Sudan in 1996. In that same report, the Sun, quoting another State Department official said, "Bin Laden and his cronies tried to take over all the gum arabic crop in the early 1990's, 'but failed in their attempt.'" Additionally, the Gum Arabic Company of Sudan, Ltd., which controls all gum arabic exports from Sudan, repeatedly has denied any bin Laden involvement in the gum arabic market in Sudan, dating back to 1969. Barbara "ungummed" Mikkelson Additional Information:     Gum Arabic  (The National Soft Drink Association)  Last updated:  7 March 2008    Sources:   Bentham, Martin.  "Terror Chief Has Global Cash Machine."   Daily Telegraph.  16 September 2001  (p. 11).     Bowman, Tom and Ann LoLordo.  "Sanctions on Sudan Bend for Gum Supply."   The Baltimore Sun.  15 September 1998  (p. A1).     PR Newswire.  "The National Soft Drink Association Statement Regarding Gum Arabic."   17 September 2001. On 29 May 2016, Facebook user Frank Huguenard published a Huffington Post link leading to an article titled "Hillary Clinton to be Indicted on Federal Racketeering Charges" and an article bylined to him: published    The claims caused a stir, then disappeared as quickly as they manifested. Clicking through to the link on 30 May 2016 led to an error message:  error   However, the text of the article remains accessible on forums, blogs, and archives. Huguenard's original piece reported that Clinton would be indicted under the Racketeer Influenced and Corrupt Organizations (or RICO) Act, and maintained that the Federal Bureau of Investigation would recommend to Attorney General Loretta Lynch that Clinton be indicted on charges related to money laundering, among other things: reported The Racketeer Influenced and Corrupt Organizations Act (RICO) is a United States Federal Law passed in 1970 that was designed to provide a tool for law enforcement agencies to fight organized crime. RICO allows prosecution and punishment for alleged racketeering activity that has been executed as part of an ongoing criminal enterprise. Activity considered to be racketeering may include bribery, counterfeiting, money laundering, embezzlement, illegal gambling, kidnapping, murder, drug trafficking, slavery, and a host of other nefarious business practices. James Comey and The FBI will present a recommendation to Loretta Lynch, Attorney General of the Department of Justice, that includes a cogent argument that the Clinton Foundation is an ongoing criminal enterprise engaged in money laundering and soliciting bribes in exchange for political, policy and legislative favors to individuals, corporations and even governments both foreign and domestic. Initially, Comey had indicated that the investigation into Hillarys home brewed email server was to be concluded by October of 2015. However, as more and more evidence in the case has come to light, this initial date kept being pushed back as the criminal investigation has expanded well beyond violating State Department regulations to include questions about espionage, perjury and influence peddling. There were no citations for these claims. There was also no information about how the article's author learned of the supposedly impending indictment: Heres what we do know. Tens of millions of dollars donated to the Clinton Foundation was funneled to the organization through a Canadian shell company which has made tracing the donors nearly impossible. Less than 10% of donations to the Foundation has actually been released to charitable organizations and $2M that has been traced back to long time Bill Clinton friend Julie McMahon (aka The Energizer). When the official investigation into Hillarys email server began, she instructed her IT professional to delete over 30,000 emails and cloud backups of her emails older than 30 days at both Platte River Networks and Datto, Inc. The FBI has subsequently recovered the majority, if not all, of Hillarys deleted emails and are putting together a strong case against her for attempting to cover up her illegal and illicit activities. A conviction under RICO comes when the Department of Justice proves that the defendant has engaged in two or more examples of racketeering and that the defendant maintained an interest in, participated in or invested in a criminal enterprise affecting interstate or foreign commerce. There is ample evidence already in the public record that the Clinton Foundation qualifies as a criminal enterprise and theres no doubt that the FBI is privy to significantly more evidence than has already been made public. Under RICO, the sections most relevant in this case will be section 1503 (obstruction of justice), section 1510 (obstruction of criminal investigations) and section 1511 (obstruction of State or local law enforcement). As in the case with Richard Nixon after the Watergate Break-in, its the cover-up of a crime that will be the Clintons downfall. Furthermore, under provisions of title 18, United States Code: Section 201, the Clinton Foundation can be held accountable for improprieties relating to bribery. The FBI will be able to prove beyond a reasonable doubt that through the Clinton Foundation, international entities were able to commit bribery in exchange for help in securing business deals, such as the uranium-mining deal in Kazakhstan. It is a Federal Crime to negligently handle classified information under United States Code (USC) 18 section 1924. It is a Federal Class A Felony under USC 18 section 798. Hillary certified under oath to a federal judge that she had handed over to the state department all of her emails, which she clearly did not. In spite of her repeated statements to the effect that everything that she did with her home brewed email server as Secretary of State was above-board and approved by the State Department, the Inspector General Report vehemently refutes this claim. Hillary refused to be interview by the Inspector Generals office in their investigation, claiming that her upcoming FBI interview took precedent but it seems more likely that Hillary is more concerned about committing perjury or admitting to anything that can be used against her in a court of law. Huguenaud concluded (again, with little to no supporting evidence) that Hillary Clinton was guilty of exposing classified documents to foreign governments and conspiring to circumvent Freedom of Information Act requests by avoiding the use of State Department servers: Some of the documents were so highly classified the the investigators on the case werent even able to examine the material themselves until they got their own clearances raised to the highest levels. While there is an excellent [case] to be made the Hillary committed treasonous actions, the strongest case the FBI has is charging both Bill and Hillary Clinton as well as the Clinton Foundation of Racketeering. Theres no wonder why its taken this long for the FBI to bring forward a recommendation. The rabbit hole is so deep on this one that it has taking dozens of investigators to determine the full extent of the crimes that have been committed. Perhaps the most interesting question here is whether or not the FBIs investigation will be able to directly link The Clinton Foundation with The Hillary Victory Fund. If this happens, the DNC itself may be in jeopardy of accusations of either being an accomplice or of being complicit in racketeering. After the article vanished, rumors swirled that Huffington Post retracted it under pressure from the Clintons, the Democratic National Committee, or other entities with a possible interest in suppressing the information it contained. However, the archived version of the article contained the following caveat: This post is hosted on the Huffington Posts Contributor platform. Contributors control their own work and post freely to our site. If you need to flag this entry as abusive, send us an email. Huguenaud published the item himself as a contributor to Huffington Post, where a disclaimer warned that information published through that platform is not vetted or official. In July 2016, the FBI recommended that no charges be brought against Clinton in connection with her use of a private e-mail server. Legend:  Woman unsuccessfully tries to gas herself to death only to discover the gas company has turned off service. Example:  [Healey & Glanvill, 1996] A social worker mate in Glasgow had to visit a woman who's been put through the mill due to the incompetent Tories' recession. The worst slump since the 1930s had decimated her life. Nothing was going right. The company she worked for had sacked her and then gone bust, so she'd had no redundancy money after sixteen years' service. Her husband had lost his well-paid job in the building trade and they'd fallen way behind on their mortgage. The house was about to be repossessed, but it had plummeted in value so they owed the building society more than it was worth. The car and furniture on HP had been taken by the bailiffs, and every letter was a final demand. Finally, the strain of living on the breadline had wrecked their marriage and her husband had left to build a new life for himself down south. It was the last straw; the poor woman had had enough, and decided to end it all. So she opened the oven, stuck her head inside and switched the gas full on. But she woke the next day with a stinking headache, to find the gas supply had been cut off. Origins:  Whenever a story sounds too pat to be true, that generally turns out to be the case  real life is rarely that neat. In this instance, a tired plotline has been resurrected to service a new theme: The Tory government of Britain so screws up this woman's life it makes it impossible for her to kill herself.  The theme of the gas having been turned off is as old as the hills, although this plot twist is usually resorted to in murder thrillers rather than suicide tales. From the 1946 book 101 Plots Used and Abused comes this description: Henry Smithers, in a rage, strikes his wife and kills her. In a panic, he has an inspiration  why not make it appear that she had committed suicide by turning on the gas? Ah, what a great idea! Henry carries the body to the gas range, places it so that the head rests inside, turns on the gas, and, leaving the house, goes off on a "business trip." When he returns, he is arrested and charged with the crime. Unfortunately for Mr. Smithers, the gas company, carrying out an old threat, had turned off the gas shortly before the murder. This 1946 collection of overused storylines referred to this theme as "bewhiskered," and rightly so. Still, it's nice to see so old a device used for a new purpose. Barbara "gas masked" Mikkelson Sightings:  The 1977 Kinks song "Life Goes On" contains the following stanza: My bank went broke and my well ran dry.It was almost enough to contemplate suicide.I turned on the gas, but I soon realizedI hadn't settled my bill so they cut off my supply. Last updated:  18 January 2007     Sources:  Healey, Phil and Rick Glanvill.  Now! That's What I Call Urban Myths.  London: Virgin Books, 1996.  ISBN 0-86369-969-3  (p. 240). Now! That's What I Call Urban Myths   Young, James.  101 Plots Used and Abused.  Boston: The Writer, Inc., 1946  (p. 3) Claim:  A new video game calling for players to steal underwear from models has folks up in arms.   . Example:  [Collected on the Internet, 2000] Fathers Say Stop Simon & Schuster's Panty Raider (Duluth, MN, April 26, 2000)  The national advocacy group Dads and Daughters today called on Simon and Schuster Interactive to halt its scheduled May release of the CD-ROM game called Panty Raider. To win the game, boys must strip supermodels down to their underwear, then provide photographs of them to aliens who "wore out" their one lingerie catalog - or else the aliens' "hormone driven anger" will destroy the earth. Among the gamers' tools to induce the undressing: "Lures - Items such as tiny mints (lunch!) and credit cards. No self-respecting supermodel can resist these items."  From making fun of anorexia to objectifying girls to assuming that boys just want titillation from computer games, Panty Raider is a disgrace.  Among the objections raised in a letter to the company, Dads and Daughters said: "Anorexia KILLS people, and holds painfully long years of recovery for those girls and women who do survive. It's no more suited for joking than cancer. And then there is the stereotype that the ideal girls are obsessed with shopping and appearance. We have daughters and we know better.  And, we are offended when our daughters are repeatedly subjected to the destructive stereotypes disseminated by games like Panty Raider." DADs executive director Joe Kelly added that the game is also offensive to fathers of sons. "We don't see the humor or fun in glorifying what Panty Raider calls 'hormone driven anger' in boys, especially after tragedies like the Columbine shootings. We are offended when our sons are repeatedly subjected to the destructive stereotypes of boys objectifying females, placing titillation above all else, and using violence or its threat to get their way." Dads and Daughters suggests that other parents use the company's website to insist that "Panty Raider" not be released this month. Or write Simon & Schuster Interactive, 1230 Avenue of the Americas, New York, NY 10020 or call 212/632-3544. website Dads and Daughters is the national nonprofit membership group for fathers with daughters. DADs helps fathers strengthen their relationships with daughters and transform the pervasive messages that value girls more for how they look than who they are. DADs acts against marketers who undermine daughters to sell their products. S&S Interactive, a division of Viacom, produces dozens of CD-ROM games in the entertainment and education categories. For the full correspondence between Dads and Daughters and Simon and Schuster Interactive, visit Dads and Daughters. Dads and Daughters Origins:  Panty Raider, a video game in which sex-obsessed aliens seek photos of lingerie-clad models, has become a target of outrage and ridicule even before its projected May 2000 release. The call to arms quoted above is but one of many circulating on the Internet. Women's groups, family advocates and serious gamers are outraged over the game and would stop its release if they could.   Panty Raider: From Here To Immaturity has provoked some calls to boycott publisher Simon & Schuster.  Those objecting to the game claim it portrays women as brainless appearance-concerned sex objects and men as angry and violent and postulate it's aimed at the pre-teen and early teen market. The firm's spokesman, Peter Binazeski, says it's meant for a different audience. "Panty Raider has an 'M' rating, limiting it to those 17 and older." As for criticisms of its premise: "It's humor," he says. "Some people will love it, some people will not love it."  Which is a point. The 1987 gaming classic Leisure Suit Larry was also an exercise in inappropriate humor, requiring players to lead the title character through one embarrassing sexual escapade to another to complete the game. Subsequent offerings in this watershed series featured wilder scenarios than the first, with the humor sinking to achieve new lows with each new release. Large-breasted, scantily-clad "babes" abound in every incarnation of Larry, yet there was never an outcry over it. Gamers understood Larry's target audience to be adult adventure players with a taste for bathroom humor and thus didn't overly concern themselves with the possibility it might influence the mindset of youngsters whose hands Larry had fallen  into. Further, the premise of any number of video games relies on themes one would fervently pray are never ported back to the real world. Violence and sexism run rampant through the realm of video gaming. Big weapons blasting big holes in the irredeemably evil are often the norm, a behavior that imparts a message that provided one is up against bad guys or has right on one's side, it's okay to resort to wild sprees of violence and even to murder whoever stands in the way. When female characters appear, they're often male fantasy stereotypes: powerful sword-wielding warrior woman, helpless princess, icily-beautiful enemy queen, or secretive vamp one has to wheedle a key piece of information out of. In each case, the gals are dressed to excite the fellas, often in impossible costumes made up of little more than leather straps. In this world, women are eye candy first and foremost; whatever other functions they serve to advance the plot of the game are left to run a distant second to their duties as walking centerfolds. To win Panty Raider, players must strip a supermodel to her underwear, then provide photographs to a trio of aliens who are looking to replace a worn out lingerie catalog. Failure will incur the space creatures' wrath, causing them to make good on their threat to blow up the Earth. Judged within the context of what has gone before, Panty Raider isn't any more sexist or objectionable than any number of its predecessors. Times may have changed though, with what was okay a few years ago now seen as posing an unmitigated danger to society. Concern that adolescents might be unduly influenced by Panty Raider are easily answered by not buying them the game and by making the effort to supervise their play of video games in general. It's unrealistic to call for a world in which every single item is made kid-friendly, lest that item drop into an impressionable youngster's hands. Supervision of children remains the province of their parents; it's not up to every video game company to produce only items that impart the right values, it's up to the parents to screen what reaches their children, rejecting as unsuitable whatever they believe would foster in their offspring the wrong set of values.   Are the concerns of Dads and Daughters and other such groups valid? Probably. But is the answer sticking a cork into one piece of software, or is it striving to be a responsible parent by filtering out what are seen as harmful influences? The bottom line is that there just aren't that many corks, and one victory in this area might lull some into believing they no longer have to be vigilant because others are doing it for them. Better to concentrate on the one bottleneck  what's allowed to reach one's kids  a parent can and should be the watchdog over. Barbara "panty hosed" Mikkelson Additional Information:      Panty Raider announcement   (Simon and Schuster Interactive)  Last updated:  2 December 2007    Sources:   Clifford, Jane.  "New Game Is Modeling Bad Behavior."   The San Diego Union-Tribune.  6 May 2000  (p. E1).     Thomas, Karen.  "Naughty Game Has Knickers in a Twist."   USA Today.  3 May 2000  (p. D1).     The Ottawa Citizen.  "Horny Alien Video Game Incurs Wrath, Ridicule."   6 May 2000  (p. B5).     The [Singapore] Straits Times.  "Parents Want Panty Raider Game Stopped."   6 May 2000  (p. 4).