Boston Marathon Bombers Tuition Fees
Claim:  The accused Boston Marathon bombers attended expensive private schools.  Example:  [Collected via e-mail, April  2013] Can you tell me where the Boston bombers and their families got their monies?  There is no indication of a job (other than the father at one time being a US gov't employee) and I'm wondering how they got to an exclusive school and higher private education tuitions? Origins:  A number of inquiries from our readers like the one reproduced above suggests there is a common perception that accused Boston Marathon bombers Tamerlan and Dzhokhar Tsarnaev attended expensive private schools, a perception which has prompted many to raise the question of where the money to fund their educations came from (since the brothers apparently had no obvious substantial source of income).  Although detailed information about the Tsarnaevs' finances (and its sources) has not yet been made public, we can dispel the mistaken notion that they received costly private educations. According to various news accounts, the elder brother, 26-year-old Tamerlan (now deceased), attended high school at Cambridge Rindge and Latin School and tookaccounting classes for three semesters between 2006 and 2008 as a part-time student at Bunker Hill Community College.  As the school's name indicates, Bunker Hill is a community college (i.e., a  Bunker Hill publicly funded two-year institution) with relatively low tuition rates for local residents. The younger brother, 19-year-old Dzhokhar, is likewise reported to have attended high school at Cambridge Rindge and Latin School and then studied marine biology at UMass Dartmouth.  Although the names of these institutions might suggest otherwise, neither of them is a private school: Cambridge Rindge and Latin School (CRLS) is a public high school (part of the Cambridge Public School District) formed from the 1977 merger of Rindge Technical School and Cambridge High and Latin School, and the University of Massachusetts Dartmouth (or UMass Dartmouth) is one of the five schools that comprise the University of Massachusetts public university system.  Altogether, public high school, community college, and the University of Massachusetts is about the cheapest educational path a resident of Massachusetts could follow. CRLS University of Massachusetts This isn't to say that the Tsarnaevs' educations were either cheap or completely cost-free: the fees at UMass Dartmouth run over $10,000 per year for Massachusetts residents, and even Bunker Hill Community College's tuition costs a local resident $141 per unit.   And at least one of the brothers (Tamerlan) is reported to have been receiving welfare benefits at one pointHowever, Dzhokhar won a Cambridge City Scholarship in 2011, and either or both brothers might also have received student loans or other forms of financial aid.   fees tuition welfare Last updated:  24 April 2013    CNN.com.  "Timeline: A Look at Tamerlan Tsarnaev's Past."   22 April 2013.
Typhoid Mary was a cook. Working at that job made her single-handedly responsible for multiple outbreaks of typhoid fever, in and around New York City, about a century ago.PolitiFact Ohio couldn't help recalling that bit of history recently after reading advice for the flu season from the Centers for Disease Control, which urged sick people to stay home from work and school to avoid the spread of illness.The history was freshened by last week's news that a college cafeteria worker in Indiana had been diagnosed with typhoid fever, and it came to mind when we saw a release from Sen. Sherrod Brown saying that he is co-sponsoring the Healthy Families Act, which is being reintroduced in Congress.Also called the earned sick time initiative, the legislation would allow workers at businesses with 15 or more employees to earn paid sick days. Workers could earn up to one hour of paid sick time for every 30 hours worked, up to a total of seven days.For far too many Americans, a day home from work means a day without pay, Brown said. Some 40 percent of private-sector workers in the U.S. dont have any paid sick days at all. Its worse for low-income workers  three in four dont have any paid sick days available.We wondered about the numbers. Brown's staff said the source was last year's National Compensation Survey from the U.S. Bureau of Labor Statistics.Its chart for paid leave benefits shows that 61 percent of all workers in the private sector have paid sick days -- meaning about 40 percent don't have them.Among the lowest-paid 25 percent of workers, the chart shows that 29 percent have paid sick days, meaning more than 70 percent don't have them.Among the lowest-paid 10 percent of workers, 18 percent have sick days, so 82 percent do not. (Three in four, the figure used by Brown, is 75 percent. )We found other figures as well:. More than three in four food service and hotel workers (78 percent) dont have any paid sick days, according to an analysis by the Institute for Women's Policy Research. Workers without sick days are more likely to go to work with a contagious illness, according to a 2010 survey by the University of Chicago's National Opinion Research Center. And a 2011 study in the American Journal of Public Health estimated that a lack of sick leave helped spread 5 million cases of flu-like illness during the outbreak of 2009.Critics of the sick leave initiative, including the National Association of Independent Businesses, the U.S. Chamber of Commerce and the Ohio Chamber of Commerce, say paid sick days add costs to low-margin businesses, are burdensome to business and result in lost jobs.In a recent survey of businesses by the Employment Policies Institute, Roughly 70 percent of respondents said that Connecticuts sick leave law was not good for business, the group said.PolitiFact Ohio is not rating the legislation, however -- only Browns statement on the numbers of workers who dont have access to paid sick days. We rate it True. If the nation hits the debt ceiling later this month without it being raised by Congress, economists predict a wide spread of economic harm: higher interest rates, lower economic growth and plunging consumer confidence in the United States and overseas. One particularly high-profile sign of economic distress would be a plummeting Dow Jones Industrial Average. During anappearanceon ABCsThis Week With George Stephanopoulos, Sen. Charles Schumer, D-N.Y., cited that scenario as one of the reasons why Congress should take action soon. Stephanopoulos asked Schumer whether both sides were posturing and playing with fire on the debt ceiling, which is the legal limit to how much debt the government can shoulder. Schumer said, You don't negotiate over something like the debt ceiling because -- at which point Stephanopoulos interjected, Other presidents have done it. Schumer responded, No. The one time that it was really done in this kind of way, (when it wasnt just) a deadline and you had to decide (on) abortion or something else, was in 2011. We went right up to the deadline. The stock market lost 2,000 points, $18 billion was lost by the American people. We wondered whether Schumer was right about the stock market losing 2,000 points. So we looked at historical data for the Dow Jones Industrial Average, the most popular measure of the stock market. On July 21, 2011, the Dowreached12,724 -- its high point in the months immediately preceding the debt ceiling fight. For the next 10 days, Congress squabbled over raising the debt ceiling. Then, between July 31 and Aug. 2, the White House and congressional leaders reached and implemented a deal that became known as the Budget Control Act of 2011. By Aug. 2, when the crisis was effectively over, the Dow stood at 11,866, a drop of 858 points. Thats less than the 2,000 points Schumer cited. However, the Dow continued to tumble for another two months, due in large part to repercussions of the debt ceiling debate, particularly the downgrading of the United States credit rating byStandard & Poorson Aug. 5. By Oct. 3, the Dow had bottomed out at 10,655 -- a decline of 2,069 points from its pre-debt ceiling peak, and its lowest level in about a year. So if you include the aftershocks of the debt ceiling fight, Schumer is correct that the Dow fell by 2,000 points. (You can see the decline as a line charthere.) That said, its also worth noting that the recovery was almost as quick as the decline. It took only until Jan. 25, 2012 -- about three and a half months after the low point -- for all of the pre-debt ceiling losses to be recouped. By Jan. 25, the Dow hit 12,758. And as Schumer was speaking onThis Week, the most recent Dow close was 15,072 -- an 18 percent increase over the pre-debt ceiling high, which had been about two years and three months earlier. Matt House, a spokesman for Schumer, said the Dows subsequent recovery is irrelevant. Of course (the Dow) came back, but that is of little comfort to anyone who was at or nearing retirement during those several months, he said. With 10,000 baby boomers retiring a day, that drop is incredibly important, and not to be trivialized. .... And this is all from a default that didnt happen. Still, we think its important to note that the 2,000 points the Dow lost didnt stay off for years, or even permanently, as some viewers might assume. Our rating Schumer said that because of the 2011 debt ceiling fight, the stock market lost 2,000 points. If you count the aftermath of the deal that avoided a debt ceiling breach, which included a historic downgrade of the United States creditworthiness rating, then Schumer is right that the Dow fell by 2,000 points. Still, Schumer makes it sound as if the drop happened right away. Actually, it dropped at the time of fight and continued to drop for another two months after the United States' credit rating was downgraded. We rate Schumers claim Mostly True. When deciding which charities to donate to, many people consider an important factor to be the "efficiency" of these organizations  that is, what percentage of the monies taken in by a given charity goes to funding its mission rather than being eaten up by costs such as fundraising activities, salaries, and other administrative overhead. The e-mail reproduced above, which began circulating in 2005 and has been re-circulated every year since then around Christmastime, attempts to steer potential donors away from inefficient charities. Unfortunately, much of the information it presents was inaccurate back in 2005, and it has grown only more so in the years since then, resulting in a misleading and outdated view of various charities. We attempt to present accurate and up-to-date information about the named charities below. The following efficiency information is derived from the Charity Navigator web site, the GuideStar web site and Forbes magazine's November 2009 special report on the 200 Largest U.S. Charities. Salary information is taken from Schedule J (Compensation Information) of the various charities' IRS Form 990 filings, an annual reporting return that certain federally tax-exempt organizations must file with the IRS which provides information on the filing organization's mission, programs, and finances. (In the context of this article, the term "efficiency" refers to the percentage of total budget/expenses that each listed organization spends on providing charitable programs and services, while the term "compensation" or "pay" includes salary, one-time payments, and deferred compensation.) Charity Navigator GuideStar special report UNICEF United States Fund for UNICEF states 2010 2011 said United Way Worldwide reported World Vision World Vision Canada states: In our annual report to the Canada Revenue Agency, we publicly disclose information about executive compensation. In the interest of greater transparency to our donors, we have gone beyond our legal requirements by disclosing that our president, Michael Messenger, currently earns the top annual base salary of $215,000 plus a combination of taxable and non-taxable benefits. The presidents performance is subject to annual review by our Board of Directors, and his compensation is decided by them. World Vision Canada's (self-reported) efficiency is 81%, much higher than the 52% figure claimed above. BBB Goodwill Industries International Jim Gibbons compensation March of Dimes St. Jude parent Lions Clubs A 2011 addendum to the original message presented the following information: The American Legion National Commander receives a $0.00 zero salary.The Veterans of Foreign Wars National Commander receives a $0.00 zero salary.The Disabled American Veterans National Commander receives a $0.00 zero salary.The Military Order of Purple Hearts National Commander receives a $0.00 zero salary.The Vietnam Veterans Association National Commander receives a $0.00 zero salary.The Wounded Warriors National Commander receives a $0.00 zero salary. These organizations with no salaries have donations going to help Veterans and their families and youth. According to the most recent available Form 990 filings, all of these statements are false and/or misleading (in large part because the National Commanders are not necessarily the top business executives of these organizations): Unfortunately, the six veterans-related charitable organizations mentioned above don't receive very high marks for efficiency (as determined by Charity Navigator, the BBB, or Form 990 information): <!--Additional information:  America's Most Efficient Charities --> UNICEF USA. "CEO Salary Email." American Red Cross. "Red Cross Statement on Inaccurate Viral Email on Charity CEO Pay." 11 December 2012. United Way. "CEO Compensation FAQ." World Vision Canada. "Our Approach to Executive Compensation." Updated CEO names and salaries for several of the organizations listed. After Democratic gubernatorial candidates J.B. Pritzker and Chris Kennedy released only summaries of their income tax returns on Nov. 27, rival Daniel Biss wasted no time blasting them for what they didnt make public. As Gov. Bruce Rauner has done since first becoming a candidate in 2013, Pritzker and Kennedy released their federal and state 1040 forms, which reveal only basic details of their their tax pictures. The meat of returns, especially for wealthy taxpayers like Pritzker, Kennedy and Rauner, lies in an array of schedules and attachments to those 1040s that illustrate how they made their money, managed their wealth, donated to charity and reduced their tax burdens by leveraging breaks often used by the wealthy. And neither Pritzker, Kennedy nor Rauner have been willing to share such telling information with voters. These guys are now pretty much living up to the @BruceRauner standard. And falling dismally short of the @MittRomney standard. Even Romney released his full tax returns, Biss said in one of many tweets he issued on the topic that day. These guys are now pretty much living up to the@BruceRaunerstandard. And falling dismally short of the@MittRomneystandard. Even Romney released his full tax returns. -DB In April, Biss, a Democratic state senator from Evanston, releasedfive years worthof full tax returns, including Form 1040 cover sheets and attachments detailing deductions, supplemental income and credits. They showed Biss and his wife, Karin Steinbrueck, with quite modest income, averaging just under $55,000 per year over the five years covered in the returns. Biss spent more than seven months criticizing his wealthy competitors for foot-dragging before they released their returns. With nominating petitions now filed for the March 20 Democratic primary and election season in full swing, the Rauner and Romney comparisons likely will become a hammer with which Biss will repeatedly bash his far wealthier opponents. We decided to look into Biss Twitter claim both to check its accuracy and to examine the history of candidate tax disclosure. The Bruce Rauner standard that Biss, currently a state senator, cites refers to the tax disclosures Rauner has made annually since he first became a candidate for governor in 2013. Though Illinois law does not require candidates or officeholders to make public any income tax information, Raunerreleased three years worthof federal and state 1040 forms when he filed his nominating petitions in November 2013. They showed Rauner and his wife Diana had income of $27.2 million in 2010, $28.2 million in 2011 and $53.4 million in 2012. Their effective tax rates in those years were 16.9 percent, 21.5 percent and 19 percent, respectively. Rauner has continued to release the 1040 forms since then. His 2013 returns, released a month before the 2014 election, showed income of $60.15 million and a 24-percent tax rate. In 2014, the Rauners reported income of$57.5 millionand a 26-percent tax rate. Rauners income ballooned during his first two years as governor. In 2015, hereported incomeof $188 million followed by$91 millionin 2016, with tax rates of 26 and 25, respectively. But because Rauner has not released the schedules and attachments that detail how his income was derived, the 1040 forms lend little insight where his money comes from and how he manages it. Pritzker essentially matched Rauners skimpy disclosure when the Democrat filed his nominating petitions on Nov. 27, but Kennedy did even less. Pritzker releasedsummaries of his last three years of taxesshowing adjusted gross income of $14,950,446 in 2016, $9,974,627 in 2015 and $3,137,655 in 2014. His effective tax rates were 27.7 percent (2016), 24.3 percent (2015) and 37.3 percent (2014). Kennedy confined his release of 1040 information to 2016 returns only. For that year, he reported adjusted gross income $1,242,805 and an effective tax rate of 14 percent. The financial picture for Kennedy and Pritzker, at least, is further obscured by their decisions to not release detail about trusts they also benefit from but which are kept separate from the information reported on their personal tax returns. Like Rauner, Pritzker and Kennedy derived their income from interest, dividends and capital gains, not from wages. Candidates in Illinois are are also required to filestatements of economic interestthat detail entities in which they have ownership interests or derive income, and all the Democrats as well as Rauner have complied. But the information value from such reports is quite limited, with disclosures confined to the names of business interests and not the value of individual investments or income they produce. (Click here for current statements of economic interest fromRauner,PritzkerandKennedy.) Biss also accuses his Democratic counterparts of falling dismally short of the example set by 2012 Republican presidential candidate Mitt Romney, like Rauner a longtime private equity investor whose wealth had become an issue in his unsuccessful attempt to unseat then-President Barack Obama. Romney released complete income taxes for2010and2011, including hundreds of pages of schedules and explanatory material that allowed a public view into the management of his fortune. They showedRomney paid a relatively low tax rate of 14.7 percent on a total of $42.6 million in income for the two years combined, and that he held considerable assets in offshore tax havens including Luxembourg, Ireland and the Cayman Islands. In an election in which income inequality had become a major issue, this gave Obamas campaign ammunition to portray the former Massachusetts governor as out of touch with the vast majority of Americans. Romney was following what had become standard procedure for presidents and major presidential candidates of both parties following the scandal plagued administration of Richard Nixon, said Joseph Thorndike, director of theTax History Project, which tracks presidential tax releases. Obama also routinely released full returns annually both as a presidential contender and president. Obamas successor, Donald Trump, is the first U.S. president since Nixon, who resigned from office in 1974, to not release any information about personal taxes. A proliferation of wealthy political candidates coming off successful business careers in Illinois and elsewhere likely portends an era of increasing opaqueness when it comes to tax disclosure, Thorndike speculated. I don't know that 1040s are really all that useful without the rest of the supporting materials, Thorndike said. I suppose that they're better than nothing, except that I think you encourage further disclosures of just the 1040s. Governors roles in administering state taxes should heighten public pressure to release full returns, Thorndike said. These candidates if they win election are going to be in charge of collecting taxes from everyone else and it seems reasonable to me that voters want to know how they conducted themselves and whether they've been living up to their civic duty in the way that everyone else is supposed to, he said. Lawrence Noble, senior director the D.C.-based Campaign Legal Center, said the current push in Washington for a sweeping federal overhaul, only underscores the shortcomings of the sort of limited tax disclosure practiced by Rauner, Pritzker and Kennedy. All derive the bulk of their income from investments, and are likely to reap significant financial benefit from the current GOP push in Washington to overhaul the federal tax system that most analysts have concluded is tilted toward tax breaks for the wealthy. How much any of the well-to-do Illinois candidates stand to benefit is impossible to gauge without more information than is disclosed in 1040 forms. Where they have their investments, how much they have and how various pieces of legislation will affect them is important, said Noble, a former general counsel of the Federal Election Commission. And one of the ways you can tell that is by their taxes and often it's the only way you can tell unless youre just going to take their word for it. Biss sarcastically said his fellow Democratic gubernatorial candidates are living up to the standard for releasing tax information set by Republican Gov. Bruce Rauner. He also said they fell short of the example set by 2012 Republican presidential candidate Mitt Romney. Like Rauner, J.B. Pritzker and Chris Kennedy released only their federal and state 1040 forms, which provide only the most basic information on income and taxes paid. And Romney did release two years worth of full returns, including hundreds of pages of detail, when he was running for president in 2012. There is no law in Illinois requiring gubernatorial candidates or governors to release any tax information whatsoever, and Biss is clearly engaging in some campaign hyperbole when he refers to a Rauner standard and a Romney standard. That said, we find the essence of his statements to be True. In May 2023, several American publications asserted that a "special village" for conservative Americans and Canadians was in development. Vice News described the potential village as a "MAGA colony." The New Republic reported that "Russian authorities" were apparently planning the creation of of "a special village outside Moscow dedicated to conservative-minded Americans and Canadians." described reported   (The New Republic) A Russian immigration lawyer named Timur Beslangurov, who owns the domain name movetorussia.ru, is responsible for the claim. He has provided no concrete evidence the project is happening, but he made the assertion at the 11th St. Petersburg International Legal Forum, an event in which "representatives of the Russian and foreign legal community, business, and government [...] discussed the role and place of law in the modern world." Legal Forum State-run Russian media outlet RIA Novosti, a sponsor of the forum, ran a story about his remarks on May 11, 2023. Beslangurov claimed that tens of thousands of people wanted to move to Russia and that the project would be (or had been) financed by future settlers of the village and was approved by a regional government (via Google translate): a story A village will be built in the Moscow region for Americans and Canadians who want to immigrate to Russia, said Timur Beslangurov, a partner at the law firm VISTA Immigration, which provides assistance in obtaining Russian documents. [...] According to Beslangurov, tens of thousands of people would like to move to Russia - foreigners without Russian roots. According to him, although the project is financed by future settlers, the approval of the regional government was required. The project, he claimed, would begin sometime in 2024. As reported by Novosti, these westerners want to move to to avoid the "radical values" of their home countries and return to their Christian roots (via Google translate): reported The reason is the inculcation of radical values: today they have 70 genders, it is not known what will happen next. Many normal people emigrate, including considering Russia, but are faced with huge bureaucratic problems of Russian migration legislation, the lawyer explained. According to him, among those wishing to move there are also traditional Catholics who very strongly believe in the prophecy that Russia will remain the only Christian country in the world. Outside of these lofty statements made at a Kremlin-backed legal conference, Beslangurov has not provided any evidence of the project's reality. In May 2023, he told Vice News he had no information to give them: told VICE News contacted Beslangurov asking for further information on the reported project, and to speak with some of the hundreds of potential Western immigrants he said existed to help verify his claims, but he replied that he wasnt able to provide further information at this stage. By email, Snopes asked Beslangurov if any progress had been made on the village and if plans to begin construction in 2024 were on track. "Yes, we are working to make this happen," he responded.  Beslangurov is not a "Russian authority," but a private lawyer who provides services for foreigners who wish to move to Russia. While he is evidently well connected, he is not an official voice of the Russian government. According to his Linkedin profile, he does "work closely with the federal agencies and the members and committees involved in the development of laws," however. profile Beslangurov's statements echo similar statements made by the Kremlin seemingly geared at western conservatives. The New Republic wrote that "Beslangurovs remarks [...] mirror the broader posturing of Russias government as traditional in comparison to the Wests supposed loose liberalism." wrote Beslangurov has regularly been cited on issues related to immigration to Russia and expatriate life in the international press. In 2022, he argued to the Daily Beast that "nothing good would happen" with western sanctions against Russia in response to their invasion of Ukraine and that the move would push Russia closer to China and India. In early 2023, his name appeared in an Indian outlet where he promoted a golden visa program aimed at recruiting Indian investors with offers of Russian residency. argued promoted Because no Russian "authority" is actively part of this project, and because the one person responsible for making the claim has thus far declined to provide evidence to support it, Snopes rates it Unproven. Chaudhury, Dipanjan Roy. Russian Golden Visa: Russian Gov Aims to Lure Indian Investors with New Residency Program. The Economic Times, 29 Jan. 2023. The Economic Times - The Times of India, https://economictimes.indiatimes.com/nri/migrate/russian-golden-visa-russian-gov-lures-indian-investors-with-new-residency-program/articleshow/97419768.cms. Hume, Tim. Russia Wants to Build a MAGA Colony for US Conservatives, Lawyer Claims. Vice, 12 May 2023, https://www.vice.com/en/article/xgwdew/russia-maga-colony. Kirsch, Noah. In Tears: Hollywoods Messy Breakup With Russias Weeping Elite. The Daily Beast, 3 Mar. 2022. www.thedailybeast.com, https://www.thedailybeast.com/celebrity-insider-bob-van-ronkel-on-hollywoods-messy-breakup-with-russias-oligarchs. Recap of the 11th St. Petersburg International Legal Forum. https://legalforum.info/en/news/itogi-xi-peterburgskogo-mezhdunarodnogo-juridicheskogo-foruma/. Accessed 19 Jan. 2024. Thakker, Prem, et al. Russia Wants to Build a Safe Space for Conservative Americans to Move To. The New Republic, 1 Nov. 2022. The New Republic, https://newrepublic.com/post/172710/russia-build-safe-space-conservative-americans-move. ,  .       .   , 20230511T1229, https://realty.ria.ru/20230511/derevnya-1871001155.html. Update [Jan. 20, 2024]: Added comment from Beslangurov. U.S. Rep. Pete Gallego invoked pickup trucks to frame his case for making it easier for college students and young graduates to refinance student loans. The average student loan debt in Texas is over $22,000, the Texas Democrat wrote in a May 14, 2014, email blast. That also happens to be the cost of an average size pickup truck! But heres whats truly alarming: students are NOT allowed to refinance their loans at lower rates -- the same way car owners can, Gallego wrote. Democratic-sponsored legislationwould provide federal aid so students and graduates stuck with high interest rates could repay the loans at the lower rates Congress approved for new student loans in 2013, though a May 16, 2014 National Journalnews storycalled the proposal a long shot in the Senate, where Republicans were described as likely to resist higher taxes on the wealthy to pay for the refinancing wrinkle. Gallegos revved our curiosity thrice over. Average student loan debt By email, Gallegos campaign manager, Anthony Gutierrez told us the congressmans average student-loan debt figure came from anews storyposted online May 8, 2014, on the GovBeat blog ofThe Washington Post. That story said more than a million Americans would graduate this year with substantial student loan debt, a conclusion it attributed to the National Conference of State Legislatures. The graduates will have an average of $26,500 in student loans, thePoststory said, joining the tens of millions of other adults who collectively hold more than $1 trillion in student loan debt. That burden is largest, on average, in many Northeastern and Mid-Atlantic states, a few Southeastern states and California. An accompanying U.S. map shows more than 20 states including Texas where the average student loan debt is $22,000 to $25,000  ThePostcredited these conclusions to the Federal Reserve Bank of St. Louis, using data from the third quarter of 2012. We ventured to a web page for the reserve bank where its entry on student loan debt led us to aresearch paper, published in 2012 and revised in April 2013, by the Federal Reserve Bank of Kansas City. According to the revised paper, student loan debt increased dramatically over the last several years, from about $346 billion in the fourth quarter of 2004 to $996 billion in the fourth quarter of 2012, a surge of nearly 14 percent a year. By comparison, the report said, total credit card debt was $679 billion and auto debt was $783 billion. Then again, the report states, increasing levels of debt were driven largely by growth in the number of borrowers, rather than growth in average debt levels of borrowers. The report said that in the fourth quarter of 2012--a few months after the period analyzed in thePosts chart--the median borrower holding student loan debt owed $13,924 in student loan debt. The average amount of student loan debt across all consumers with student loan debt was $24,699. Thats the latest available calculation, Bill Medley, spokesman for the Kansas City Fed, told us by email. Pricing average pickup trucks Next, did Gallego capture the price of an average-size pickup? Gutierrez told us the campaign researched average used truck prices on the Cars Direct website. He pointed us to an April 5, 2012,articleon the site showing suggested retail prices for five 2010 and 2007 models. These prices are for a base model pickup truck with standard options and no additional accessories, the article said. According to the story, the average manufacturers suggested retail price for a 2010 two-door Ford F-150 was $22,355 and the average for a 2010 Dodge Ram 1500 was $21,510--prices close to the $22,000-plus cited by Gallego. Then again, the Cars Direct article listed estimated prices for two 2010 models at less than $22,000. It also listed the price for another 2010 truck as nearly $6,000 higher. But Gallego priced used pickups; we looked on Edmunds.com, which compiles car and truck prices, for manufacturers suggested retail prices for model-year 2013 and 2014 pickups.According to the site, the price for a basic Ford F-150 regular cab starts at $24,070 (2013 model) and $24,735 (2014). A Toyota Tacoma regular cab starts at $17,625 (2013) and $18,125 (2014),the sitesays. Limits on refinancing student loans? Finally, are students really not allowed to refinance college loans? Gutierrez pointed out news articles including a Feb. 20, 2013,Time magazine piecestating that unlike other consumers who have taken advantage of reduced interest rates to refinance purchases, student borrowers have been restricted because Congressnot the free marketsets the interest rate on the vast majority of student debt, and because these loans are not secured by collateral private lenders are loath to undercut the federal governments terms. The Time story noted that student loan debt was at $1 trillionand of that, the federal government backed $864 billion. Also, most of the debt was being carried at an interest rate higher than 6 percent, a figure Time attributed to a Feb. 13, 2013,reportfrom the left-leaning Center for American Progress. Thats almost twice the rate of an average 30-year mortgage, Time said. By telephone,Heather Jarvis, a North Carolina attorney specializing in student loan law, said that some graduates may be able to refinance student loans at lower rates through private lenders, though she said this would only happen in cases of substantial income. (Car owners, in contrast, have four-wheeled collateral.) By email, Jarvis said refinancing federal loans with a private loan is risky. The borrower gives up important protections that accompany federal loans (like flexible repayment and discharge provisions). Students repaying federally backed loans, Jarvis said, are effectively barred from refinancing opportunities because federal law makes no provision for the government to make such offers. Also by phone,Brian Stewartof the Center for American Progress -- which has urged the Democratic-backed action -- said its possible but difficult to refinance student loans with private lenders while there's no way for students to get the federal government to refinance a government-backed loan. Stewart, a spokesman for Generation Progress, a center project focused on young adults, said the center has been researching student-loan issues for about two years. Our ruling Gallego said the average student loan debt in Texas is over $22,000...the cost of an average size pickup truck. But unlike car owners, he said, students are not allowed to refinance their loans at lower rates. This claim reflects the latest estimate of average student-loan debt and a findable price for an average-size pickup. Its also so that most college loans are federally backed and Uncle Sam doesnt offer a way for students and graduates to refinance. On the other hand, students taking loans from banks or other private lenders arent prevented from refinancing; this claim lacks that clarification. We rate this statement as Mostly True. MOSTLY TRUE The statement is accurate but needs clarification or additional information. Click here formoreon the six PolitiFact ratings and how we select facts to check. Example: [Collected via Twitter, August 2016]   Origins: On 19 August 2016, Republican presidential nominee Donald Trump traveled to Louisiana to survey property damaged by recent flood waters. While Louisiana Governor John Bel Edwards warned Trump that this visit should not be turned into a campaign photo-op, the news media managed to snap at least one photograph of Trump unloading a box of Play-Doh brand modeling clay from a truck at the Church International in St. Amant.  photo-op The picture was widely spread on social media and gave many the impression that Trump had donated nothing but Play-Doh to help those who had lost homes to the floods in Louisiana:   The GOP nominee did not at the time issue a press release detailing what items he donated, nor how those donations were funded. (Were these personal donations? Did he collect items from supporters? Did the campaign pay for them?) Regardless, although Trump did donate Play-Doh modeling clay to flood victims in Louisiana, that was not his only donation to those in need, as a video of his helping to unload a truck clearly shows that the donations included much more than just Play-Doh:   Play-Doh, diapers, baby formula, various toys, cleaning supplies and socks can be seen in the above-displayed video. A CNN report also noted that Trump had donated blankets and school supplies. noted In addition to questioning the contents of Trump's donation, some were skeptical that the candidate had donated anything at all, claiming that Trump merely helped to unload a truck of supplies donated by another organization. However, CNN and The Creole, the latter an online news source for Ascension Parish in Louisiana, reported that Trump himself had "donated" an 18-wheeler full of supplies: reported Trump spent approximately 20-25 minutes inside the command center and asked a lot of questions, according to [St. Amant Fire Chief James E.] LeBlanc. He also donated a 18-wheeler full of supplies and expressed concern for residents, damage to homes, how much water was in the area and if any assistance had been given by the federal government. A church spokesperson also confirmed that the supplies were donated by Donald Trump: We are responding to your email inquiring about the video showing Donald Trump unloading supplies at our church. These supplies were donated by Donald Trump. Although a specific list of donated items was not available, the candidate clearly assisted in providing more than just Play-Doh to the people of Louisiana.  In August 2017, interest in this item was re-ignited amid debate about the President Trump's response to Houston flood victims following Hurricane Harvey. response Hurricane Harvey Around 8:30 p.m. on Dec. 10, 2021, a tornado tore through Madison County, Illinois, before striking an Amazon warehouse in Edwardsville where night workers were beginning their shift. The powerful tornado ripped off the building's roof, caused two of its 40-foot-high concrete walls to collapse, leaving six people dead in its wake.  As news of this tragic incident circulated on social media, so did an image supposedly showing a text message thread between Larry Virden, one of the worker's who died, and his girlfriend, Cherie Jones. In one message, Virden writes, "Amazon won't let us leave."   This appears to be a genuine image of a text message thread. While many people encountered this as a standalone image on social media, this image was first published in a local news broadcast from Fox 2 News after Jones provided it to the station. You can see the original news report below:  Jones spoke more about this text message in an interview with the New York Post: New York Post I got text messages from him. He always tells me when he is filling up the Amazon truck when he is getting ready to go back  I was like OK, I love you. Hes like, well Amazon wont let me leave until after the storm blows over.' [...] We heard the tornado didnt touch down until 8:39 so he had 20 minutes to get home ... I messaged him and that was the last text message I got from him ... I told him where we live, it was only lightning at the time. After that, I got nothing from him. Jones, however, didn't fault Amazon for his death. Instead, she said she viewed it as a "what if" situation, saying: "what if they would have let him leave? He could have made it home." It should also be noted that this text message was sent in the brief timespan (about 20 minutes) between the first tornado warning and the tornado striking the warehouse. As New York Times reporter Karen Weise noted, Occupational Safety and Health Administration (OSHA) guidance is for people to "seek shelter" after these warnings.  A spokesperson for Amazon told us that Amazon's leaders on the ground followed this OSHA guidance and worked to get people to take shelter after these warnings were issued.  The spokesperson said:  OSHA guidance clearly states to take shelter immediately when theres a tornado warning. Our leaders on the ground followed their training and did just that, moving quickly to get people to take shelter immediately. That likely saved many lives from this storm. The site got tornado warnings between 8:06 and 8:16, and site leaders directed people on site to immediately take shelter. At 8:27, the tornado struck the building. Our team worked quickly to ensure employees and partners could get to the designated shelter in place area, and we want to thank them for everything they were able to do. In the wake of the deadly tornado, Amazon faced some criticism for not having an adequate safety plan in place. The BBC reported: reported Now, questions are being raised over whether adequate shelter was available, whether workers were advised to go there immediately, and whether the shifts should have gone ahead that evening at all, given the warnings of severe weather. The Edwardsville site received tornado warnings between 20:06 and 20:16 local time (01:06 and 01:16 GMT) before the tornado struck the building at 20:27, Amazon said in a statement when contacted by the BBC, with events "happening incredibly fast". The company said that the team worked "incredibly quickly" to ensure as many employees and partners could reach the "shelter in place" site. OHSA has opened an investigation into the collapse. OSHA spokesman Scott Allen told ABC News that the investigation will be complete within six months. ABC News OSHA investigates all workplace fatalities, and we are supporting them, an Amazon spokesperson said. Amazon, which is donating $1 million to the Edwardsville Community Foundation to help the community rebuild after the tornado, also said in a statement: statement "Were deeply saddened by the news that members of our Amazon family passed away as a result of the storm in Edwardsville, IL. Our thoughts and prayers are with the victims, their loved ones, and everyone impacted by the tornado. We also want to thank all the first responders for their ongoing efforts on scene. Were continuing to provide support to our employees and partners in the area.   2 Workers Killed after Collapse at Amazon Warehouse in Edwardsville. FOX 2, 11 Dec. 2021, https://fox2now.com/news/illinois/multiple-workers-trapped-after-collapse-at-amazon-warehouse-in-edwardsville/. Amazon Criticised over Safety at Tornado-Hit Warehouse. BBC News, 13 Dec. 2021. www.bbc.com, https://www.bbc.com/news/business-59641784. Amazon Worker Who Died in Warehouse Collapse Wasnt Allowed to Leave, Girlfriend Says. New York Post, 13 Dec. 2021, https://nypost.com/2021/12/12/amazon-worker-texted-girlfriend-he-wasnt-allowed-to-leave-warehouse/. OSHA Investigating after 6 Killed by Tornado at Amazon Facility. ABC News, https://abcnews.go.com/Business/dead-amazon-facility-tornado-pummels-illinois/story?id=81721932. Accessed 14 Dec. 2021. OSHA Opens Investigation after Amazon Warehouse Collapses during Tornado, Killing 6. PBS NewsHour, 13 Dec. 2021, https://www.pbs.org/newshour/economy/osha-opens-investigation-after-amazon-warehouse-collapses-during-tornado-killing-6. Weise, Karen, and Eric Berger. At Amazon Site, Tornado Collided With Companys Peak Delivery Season. The New York Times, 12 Dec. 2021. NYTimes.com, https://www.nytimes.com/2021/12/12/technology/amazon-tornado-edwardsville.html. Updated [Dec. 12, 2021]: Added a statement from Amazon about OSHA guidelines. A few weeks before the 2012 U.S. presidential election, a meme began to circulate on social media suggesting the 1956 Republican platform included policies that would more closely match those of progressives in later years: meme  The tenets listed in the 1956 Republican platform graphic certainly deviate from many of the GOP's current party lines, but were the following cited planks notably different six decades ago? It's difficult to make a direct comparison for a few reasons. One is that the Republican Party's national platform is not necessarily the same as the issues espoused by individual candidates at the federal, state, or local levels. In recent years, the advent of social media has enabled candidates and political organizations to push individually important agendas that may not hew to the party's overall national platform. Another issue is defining what the party's platform is at any given time. The most recent available Republican Party platform dated to 2012, during the campaign of Mitt Romney. Not all issues addressed in the graphic above were directly mentioned or comparably referenced in the 2012 platform, and individual Republican Party members who have made statements about platform issues since then do not necessarily speak for the GOP at large. The image displayed above first points to assistance for "low-income communities," language that does not specifically appear in the 1956 Republican platform. Under the heading of "Labor," the original document supported (to a degree) several of the positions summarized in the graphic in respect to minimum wage laws, unemployment assistance, and equal pay irrespective of gender: platform The Eisenhower Administration will continue to fight for dynamic and progressive programs which, among other things, will:Stimulate improved job safety of our workers, through assistance to the States, employees and employers; Continue and further perfect its programs of assistance to the millions of workers with special employment problems, such as older workers, handicapped workers, members of minority groups, and migratory workers; Strengthen and improve the Federal-State Employment Service and improve the effectiveness of the unemployment insurance system; Protect by law, the assets of employee welfare and benefit plans so that workers who are the beneficiaries can be assured of their rightful benefits; Assure equal pay for equal work regardless of Sex; Clarify and strengthen the eight-hour laws for the benefit of workers who are subject to federal wage standards on Federal and Federally-assisted construction, and maintain and continue the vigorous administration of the Federal prevailing minimum wage law for public supply contracts; Extend the protection of the Federal minimum wage laws to as many more workers as is possible and practicable; Continue to fight for the elimination of discrimination in employment because of race, creed, color, national origin, ancestry or sex; Provide assistance to improve the economic conditions of areas faced with persistent and substantial unemployment. The quoted portion did not specify expanded access to unemployment insurance benefits. However, the introduction addressed matters of expanding that benefit, as well as Social Security and even health care. The word "Protect" did not appear in that bit, but it did state: We are proud of and shall continue our far-reaching and sound advances in matters of basic human needs  expansion of social security  broadened coverage in unemployment insurance  improved housing  and better health protection for all our people. We are determined that our government remain warmly responsive to the urgent social and economic problems of our people.We shall continue to seek extension and perfection of a sound social security system. On the matter of supporting and encouraging labor unions, the 1956 Republican platform stated that "workers have benefited by the progress which has been made in carrying out the programs and principles set forth in the 1952 Republican platform ... workers have gained and unions have grown in strength and responsibility, and have increased their membership by 2 millions." It pledged to: Revise and improve the Taft-Hartley Act so as to protect more effectively the rights of labor unions, management, the individual worker, and the public. The protection of the right of workers to organize into unions and to bargain collectively is the firm and permanent policy of the Eisenhower Administration. In 1954, 1955 and again in 1956, President Eisenhower recommended constructive amendments to this Act. The Democrats in Congress have consistently blocked these needed changes by parliamentary maneuvers. The Republican Party pledges itself to overhaul and improve the Taft-Hartley Act along the lines of these recommendations. By contrast, the 2012 Republican Party platform said of workers, unemployment insurance, and worker protections that: platform The best jobs program is economic growth. We do not offer yet another made-in-Washington package of subsidies and spending to create temporary or artificial jobs. We want much more than that. We want a roaring job market to match a roaring economy. Instead, what this Administration has given us is 42 consecutive months of unemployment above 8 percent, the longest period of high unemployment since the Great Depression. Republicans will pursue free market policies that are the surest way to boost employment and create job growth and economic prosperity for all.In all the sections that follow, as well as elsewhere in this platform, we explain what must be done to achieve that goal. The tax system must be simplified. Government spending and regulation must be reined in. American companies must be more competitive in the world market, and we must be aggressive in promoting U.S. products abroad and securing open markets for them. A federal-State-private partnership must invest in the nation's infrastructure: roads, bridges, airports, ports, and water systems, among others. Federal training programs have to be overhauled and made relevant for the workplace of the twenty-first century. Potential employers need certainty and predictability for their hiring decisions, and the team of a Republican President and Congress will create the confidence that will get Americans back to work. Unions were also addressed in the 2012 platform in a somewhat different manner: We will restore the rule of law to labor law by blocking "card check," enacting the Secret Ballot Protection Act, enforcing the Hobbs Act against labor violence, and passing the Raise Act to allow all workers to receive well-earned raises without the approval of their union representative. We demand an end to the Project Labor Agreements; and we call for repeal of the Davis-Bacon Act, which costs the taxpayers billions of dollars annually in artificially high wages on government projects. We support the right of States to enact Right-to-Work laws and encourage them to do so to promote greater economic liberty. Ultimately, we support the enactment of a National Right-to-Work law to promote worker freedom and to promote greater economic liberty. We will aggressively enforce the recent decision by the Supreme Court barring the use of union dues for political purposes without the consent of the worker. Republicans in 1956 appeared markedly softer on matters of immigration and asylum, as their platform explained: The Republican Party supports an immigration policy which is in keeping with the traditions of America in providing a haven for oppressed peoples, and which is based on equality of treatment, freedom from implications of discrimination between racial, nationality and religious groups, and flexible enough to conform to changing needs and conditions.In that concept, this Republican Administration sponsored the Refugee Relief Act to provide asylum for thousands of refugees, expellees and displaced persons, and undertook in the face of Democrat opposition to correct the inequities in existing law and to bring our immigration policies in line with the dynamic needs of the country and principles of equity and justice. We believe also that the Congress should consider the extension of the Refugee Relief Act of 1953 in resolving this difficult refugee problem which resulted from world conflict. To all this we give our wholehearted support. In 2012, the GOP platform was slightly more stringent: We recognize that for most of those seeking entry into this country, the lack of respect for the rule of law in their homelands has meant economic exploitation and political oppression by corrupt elites. In this country, the rule of law guarantees equal treatment to every individual, including more than one million immigrants to whom we grant permanent residence every year. That is why we oppose any form of amnesty for those who, by intentionally violating the law, disadvantage those who have obeyed it. Granting amnesty only rewards and encourages more law breaking. We support the mandatory use of the Systematic Alien Verification for Entitlements (S.A.V.E.) program  an internet-based system that verifies the lawful presence of applicants  prior to the granting of any State or federal government entitlements or IRS refunds. We insist upon enforcement at the workplace through verification systems so that jobs can be available to all legal workers. Use of the E-verify program  an internet-based system that verifies the employment authorization and identity of employees  must be made mandatory nationwide. State enforcement efforts in the workplace must be welcomed, not attacked. When Americans need jobs, it is absolutely essential that we protect them from illegal labor in the workplace. In addition, it is why we demand tough penalties for those who practice identity theft, deal in fraudulent documents, and traffic in human beings. It is why we support Republican legislation to give the Department of Homeland Security long-term detention authority to keep dangerous but undeportable aliens off our streets, expedite expulsion of criminal aliens, and make gang membership a deportable offense. Social Security warranted a few mentions in the 2012 platform, most notably in this portion: For much of the last century, an opposing view has dominated public policy where we have witnessed the expansion, centralization, and bureaucracy in an entitlement society. Government has lumbered on, stifling innovation, with no incentive for fundamental change, through antiquated programs begun generations ago and now ill-suited to present needs and future requirements. As a result, today's taxpayers - and future generations - face massive indebtedness, while Congressional Democrats and the current Administration block every attempt to turn things around. This man-made log-jam - the so-called stalemate in Washington - particularly affects the government's three largest programs, which have become central to the lives of untold millions of Americans: Medicare, Medicaid, and Social Security. Among the remaining points of the graphic, gender pay discrepancy was not directly referenced in the 2012 platform. While the two platforms from 1956 and 2012 may appear starkly different when compared side-by-side, one must also keep in mind that the Republican Party tenets referenced in this meme predate many of the issues American voters now feel are central to their lives 60 years on. Claim:  In 2002 you could trigger a $1 donation to paralysis research by sending a birthday greeting to actor Christopher Reeve.   . Example:  [Collected on the Internet, 2002] Please forward this email to your friends and encourage them to sign Christopher Reeve's birthday card at https://www.christopherreeve.org. For every signed birthday card, an anonymous donor will contribute $1 to the Christopher Reeve Paralysis Foundation. Help support CRPF and Christopher by telling your friends!  Together we can raise even more money for paralysis research. Origins:  Most everyone familiar with actor Christopher Reeve (most famous for his portrayal of comic book superhero Superman in a series of four films between 1978 and 1987) knows that he had been paralyzed from the shoulders down since being thrown from a horse in a 1995 accident.  Reeve fell on his head, fracturing his first and second cervical vertebrae and damaging the nerve fibers of his spinal cord just below the brain stem; the injury left him a quadriplegic, dependent upon a ventilator to breathe and a power wheelchair for movement.   Christopher Reeve Superman Reeve (who died in 2004)   again came into the news in 2002 with the announcement of some small but extraordinary improvements in his condition.  Although doctors believed he had permanently lost all instantaneous and voluntary motor control and sensation below the shoulders, Reeve was able to move his right wrist and the fingers of his left hand, straighten his arms and legs and move them around in a swimming pool, breathe on his own for up to two hours without the aid of a respirator, and had regained the ability to distinguish between hot and cold and up to two-thirds of a normal sense of touch.   For the years prior to the improvements noted in 2002, Reeve had also devoted a good deal of his time and effort to raising funds for research to develop treatments and cures for paralysis caused by spinal cord injury and other central nervous system disorders and for programs aimed at improving the quality of life for people living with disabilities, causes he supported as Chairman of the Board of the Christopher Reeve Paralysis Foundation (CRPF). CRPF In honor of Christopher Reeve's 50th birthday celebration on 25 September 2002, the CRPF web site offered visitors a chance to send virtual birthday greetings to the actor.  An anonymous donor offered to contribute $1 to the CRPF for every birthday greeting sent.   birthday greetings The usual question is: "Is this for real?"  The CRPF wouldn't provide us with details of who was funding the birthday greeting donations (that's what "anonymous" is all about, after all), but there's no reason to believe this program was anything other than what it claimed to be.  Participants didn't need to provide anything other than their names and addresses, and for the cynical who believed this was just another address-harvesting scheme, the CRPF's privacy policy promised that they "will not disclose your e-mail address or any other contact information you have provided."  (For the ultra-cynical,  we point out that you can always lie to the computer; it won't know the difference.) privacy policy Last updated:  8 October 2007    Sources:   Kluger, Jeffrey.  "Against All the Odds."   Time.  16 September 2002.     Talan, Jamie.  "Reeve's 'Exciting' Progress Lifts Hopes."   Newsday.  24 September 2002.