Says Mitch McConnell pushed the Wall Street bailout through the U.S. Senate and called it the Senate at its finest.
A 46-year-old wealthy investment manager in Kentucky is mounting a Republican primary challenge to the states senior senator, Minority Leader Mitch McConnell. Matt Bevin comes from the tea party wing of the GOP. Early polls suggest Bevin has a ways to go before he could unseat McConnell, but Kentucky voters sent libertarian favorite Sen. Rand Paul to Washington, and Bevin has the money to get his message to party activists. The two candidates have begun trading attack ads. The latest from Bevin ties McConnell to the financial rescue measures passed by Congress as the economy headed into a tailspin in 2008. Heres the key text fromBevins ad: Announcer: After pushing the Wall Street bailout through the U.S. Senate, Mitch McConnell bragged (video clip of McConnell) This has been the Senate at its finest. Announcer: And what are fact-checkers saying about Mudslinging Mitchs latest attacks on conservative Matt Bevin? Misleading (image from Washington Post) Doesnt add up (image from local Fox news) Like Obama campaign attacks (image from Washington Post) After 30 years in Washington, voting for one bailout after another, slinging mud is all Sen. McConnell has left. The ad plays to antigovernment sentiment among people who see Washingtons multibillion dollar intervention in 2008 as a gross overreach of public power and a favor to the financial elite. We will examine this specific claim the ad makes to link McConnell to specific actions. Did McConnell push the bailout, formally known as the Troubled Asset Relief Program or TARP, through the Senate? To answer that, we have to go back to September and October 2008. As the housing market bubble burst, the web of investments that bound just about every financial player to each other threatened a global freeze on lending. On Sept. 29, 2008, three days before the Senate vote on TARP, two leading voices from the conservative think tank, the Heritage Foundation, described the situation. In The bailout package: Vital and acceptable, Edwin Meese, President Ronald Reagans attorney general, and Stuart Butler wrote: Some key parts of the credit market are on the verge of gridlock, resulting not just in the collapse of major financial institutions but also in credit disruption that is severely weakening the long-term prospects of non-financial companies. And while this is currently most visible in Wall Street and in the financial sector, it is only a matter of time before the fallout hits Main Street, with potentially devastating economic effects for typical American households. President George W. Bush was pressing for passage of a $700 billion bailout. So were GOP presidential nominee John McCain and the Democratic nominee, Barack Obama. In late September, an effort to get a bill through the House of Representatives had just failed. The action shifted to the Senate where McConnell played a key role in negotiations. In afloor speechright before the Senate voted, McConnell took credit for the package and urged his fellow Republicans to approve the emergency intervention. After extensive consultation between the majority leader and myself and the leaders in both parties here in the Senate, we believe we have crafted a way to go forward and to get us back on track, McConnell said. This is the only way to get the right kind of solution for the American people. The Senatepassed the TARPon a vote of 74 to 25, with 40 Democrats, one independent and 33 Republicans including McConnell voting in favor. Nine Democrats and 15 Republicans voted against it. On the night the bill passed, McConnell joined Republicans and Democrats in a quickpress conferenceto mark the moment. This has been the Senate at its finest, McConnell said. In the years that Ive been here, I cant recall a single time, where in this close proximity to an election, both sides have risen above the temptation to engage in partisan game playing if you will, to address an issue of great magnitude. We should note that part of the compromise that produced TARP included a provision to release the money in two installments. When a vote came for the second infusion of cash, in January 2009,McConnell joined 32 Republicansand nine Democrats in a failed effort to oppose it. McConnell said he voted for the first installment on the condition that it be used to prevent a systemic economic collapse but didn't like that part of it was used to help the auto industry. The current (Bush) administration used these funds for the auto industry, a move that I opposed. Now Congressional Democrats are urging more of the same, McConnell said in astatement. The American people still don't have assurances that this money will not be wasted or misused to play favorites. According to arecent Treasury report, of the $420.61 billion dollars spent under TARP including the governments stake in the insurer American International Group, $420.49 billion has been returned to the government. Our ruling Bevin said that McConnell pushed the Wall Street bailout through the Senate. The record shows that McConnell actively supported emergency government intervention in the financial markets and spoke openly of playing a key role in crafting compromise legislation. However, to say that he pushed the bill through the Senate downplays that other political leaders, including the Republican president and the partys presidential nominee, also pressed to get the measure passed. The ad also ignores that in January 2009, there was a second bailout funding vote and on that one, McConnell voted no. Still, McConnell worked hard to get the initial bailout through the Senate. We rate the claim Mostly True.
In February 2016, a meme about the lack of business acumen and experience exhibited by Vermont senator Bernie Sanders, a Democratic presidential candidate, began circulating online:  The criticisms offered in meme were a mixture of true, false, irrelevant, and misleading statements. To wit: Never owned a business Right off, this meme begins with a rather nebulous criticism. Although having owned a business is an experience many voters would like to see on the rsum of a potential chief executive, a literal application of that term isn't of much relevance. Technically, a person who once operated a roadside lemonade stand has "owned a business," while a person who has spent his career serving as the CEO of a public multi-national, multi-billion dollar corporation has not -- even though everyone would agree the latter has vastly more business experience than the former. And certainly a number of highly-regarded U.S. presidents in the modern era (e.g., Franklin Roosevelt, Dwight Eisenhower, John Kennedy, Ronald Reagan) never owned their own businesses. Moreover, one might validly say that Sanders started and operated his own business (whether he "owned" it is somewhat arguable, as it was a non-profit), the American People's Historical Society, which was created in 1978 to produce educational film strips about the history of Vermont. The University of Vermont has archived several of the brochures produced by the American People's Historical Society, one of which includes a statement from Sanders outlining the purpose of his film strips: includes Director Bernard Sanders explained, "It is our belief that state and regional history has too long been neglected by the audio-visual industry, and we are happy to begin the process of rectifying that situation. We believe that students have the right to learn about the state and region in which they are living." While the financials of the American People's Historical Society are not available, Sanders wrote in his memoir Outsider in the House that the business was reasonably successful and "a lot of fun." A friend of Sanders' told Politico that the film strip business "wasn't just a way to make money ... He made filmstrips about people he admired and believed in. He just thought kids should know the truth of how things really were." Never invented anything Once again, this is a rather nebulous criticism. The concept of "inventing" something could range from simply thinking up a novel idea (but doing nothing more about it), to creating and building a device for personal use (but not marketing it), to actually obtaining a patent for a new product. Bernie Sanders is certainly no inventor and holds no patents, but it's hard to see how that fact is of any relevance, as the same is true of nearly every U.S. president. Thomas Jefferson might legitimately be considered an inventor for having conceptualized various devices (including a macaroni machine, a swivel chair, a spherical sundial, a moldboard plow, and a cipher wheel), although he held no patents because he believed them to be a form of monopoly. Abraham Lincoln was the only U.S. president who ever held a patent, having been issued Patent #6,469 for "A Device for Buoying Vessels Over Shoals" on 22 May 1849. Beyond that, "inventing" has historically had nothing to do with the qualifications or success of candidates for the White House. Never had a 9 to 5 job This criticism is too vaguely worded to allow for much cogent analysis. What does holding a "9 to 5 job" mean? That one literally works from 9 AM to 5 PM (and not some other period of the day)? That one holds full-time employment? That one is paid on an hourly basis? That one toils at what is commonly referred to as a "blue collar" job? That one works for someone else rather than being self-employed? If we assume the most seemingly relevant application of the term  that it refers to holding steady, full-time employment  then one might fairly say it applies to Bernie Sanders. After receiving a Bachelor of Arts degree in political science from the University of Chicago in 1964, Sanders primarily worked a series of odd jobs while attempting to get his political career off the ground, and a Politico article observed that he "didn't collect his first steady paycheck until he was an elected official pushing 40 years old." However, that same article did list a variety of jobs Sanders held (even if they weren't steady or didn't provide a livable wage) before he finally reached public office upon being elected mayor of Burlington, Vermont, at age 39  working as an aide at a psychiatric hospital, as a Head Start preschool teacher, as a carpenter, and as a freelance writer for local publications: article Sanders rented a small brick duplex at 295 1/2 Maple Street that was filled with not much furniture and not much food in the fridge but stacks of checked-out library books and scribbled-on legal pads. "Pretty sparse," Gene Bergman, an old friend, said about the apartment. "Stark and dark," said Darcy Troville, a fellow Liberty Unionite who lived around the corner and shared with Sanders homemade jellies and jams. "The electricity was turned off a lot," Barnett said. "I remember him running an extension cord down to the basement. He couldn't pay his bills." He worked some as a carpenter, although "he was a shitty carpenter," [Liberty Union party member John] Bloch told me. "His carpentry," [Liberty Union member Danny] Morrisseau said, "was not going to support him, and didn't." He worked as a freelance writer, putting intermittent pieces in the low-budget Vermont Freeman, a Burlington alternative weekly called the Vanguard Press and a glossy, state-supported magazine called Vermont Life. His writing wasn't a living. The Vanguard paid as little as the rest. "It would've been not more than 50 bucks," said Greg Guma, a former editor. Vermont Life? "Our rate was 10 cents a word," said Brian Vachon, a former editor. "He was always poor," Sandy Baird, another old friend, told me in Burlington. "Virtually unemployed," said Nelson, the political science professor at the University of Vermont. "Just one step above hand to mouth," said Terry Bouricius, who was involved with Liberty Union, served at times as a de facto campaign manager for Sanders and at one point crashed for a couple months on his couch. Liberty Union "people found it difficult to support themselves while engaging in full-time political work," Michael Parenti, one of those people, wrote in the Massachusetts Review in the summer of 1975. "Some held jobs that allowed free time for campaign activities, while others lived off unemployment insurance." "His work was to be a politician," Guma said. "He put everything into what he was doing." We would also note by that by the standard used here, holding elective office (as Sanders has done for most of the last 35 years as a mayor, a U.S. representative, and a U.S. senator) is as much a "9 to 5" job as any other. Never proposed a bill that has passed This statement is not literally true, as during his tenure in Congress Sanders has sponsored three bills that were enacted, two of which were rather slight matters involving the naming of USPS facilities, and one of which was the Veterans' Compensation Cost-of-Living Adjustment Act of 2013 (which provided "for an increase in the rates of compensation for veterans with service-connected disabilities and the rates of dependency and indemnity compensation for the survivors of certain disabled veterans"). Although that might seem like slight achievement for someone who has spent 25 years as both a U.S. representative and a U.S. senator, we would note that only a scant handful of bills submitted in Congress (about 4 to 6 percent) are ever brought to a vote, and even fewer (about 2 to 4 percent) end up being enacted. We would also note that sponsoring original legislation is but one small part of Congress members' duties: they also co-sponsor legislation submitted by colleagues (which Sanders has done for more than 200 successful bills), muster support (or opposition) among colleagues and the public for proposed legislation, review and vote on proposed bills, serve on various committees (Sanders holds six Senate committee appointments), meet with constituents, participate in oversight and investigation of governmental affairs, etc., as detailed in "The Many Roles of a Member of Congress": handful committee detailed First and foremost, the Member is a decision-maker. Members are faced with hundreds of decisions in both recorded and unrecorded votes on matters major and minor. Many decisions must be made quickly. Each decision, whether spontaneous or studied, balances the conflicting perspectives received from private citizens, public officials, party leaders. Decisions are often second-guessed by constituents, campaign opponents, colleagues, lobbyists, and media critics. Meetings are continual, in committee rooms, in private offices, in corridors, and in gatherings on the floor. Daily, sacks of mail are delivered. Faxes flow in a steady stream. Electronic mail jams congressional computers. Correspondence must be written and press releases issued. Highly visible issues are debated on the House or Senate floor, fully televised, and the absence or presence of a Member is duly noted. Scandals require investigation. Programs require oversight. Requests for information, both basic and complex, are received daily. Journalists seek comment. Constituents seek assistance obtaining federal grants, government jobs, and help in overcoming bureaucratic obstacles. Over time, these daily tasks and the always-changing expectations of the electorate have come together to establish a multi-faceted job. Lived off welfare before elected to public office As noted above, various acquaintances who knew Sanders in the years before he achieved public office have reported that he was "always poor," and he likely received public assistance at some point during that time, although what form of (and how much) assistance he received is difficult to determine at this remove. A contemporaneous newspaper account from the Bennington Banner reported that in 1974, when Sanders ran for the U.S. Senate on the Liberty Union Party ticket, he was collecting unemployment benefits: Sanders, 32, cares little what 'image' he conveys  and that's part of his image of being a bit rumpled and unshorn. He's on unemployment compensation right now, having worked for the Bread & Law Task Force, as a free-lance writer, and as a carpenter in the Burlington area. But the thing he likes best, and excels at, is 'talking the issues,' and he doesn't mind repeating himself sometimes." 74 year old  personal net worth of $300,000 As 247 Wall St. reported, determining the precise net worth of candidates is difficult for a number of reasons: net worth [R]eporting exact values is not required. Instead, candidates may disclose their assets and income in a range. Further, candidates do not necessarily report all their assets. For instance, candidates do not need to disclose their personal real estate and property values. Jeb Bush opted to omit assets generated by several holding companies, for example. In addition, while some candidates choose to include their spouses in their disclosures, some do not. Carly Fiorinas net worth of $59 million, for example, includes that of her husband, Frank. Hillary Clinton's reported net worth, on the other hand, does not include assets jointly owned by her and former president Bill Clinton, who is worth by some estimates more than $50 million. 247 Wall St. attempted to determine each presidential candidate's net worth in an article published on 24 August 2015. They estimated that Sanders was one of the "poorest presidential candidates" running for office in 2016, with a likely net worth somewhere around $330,000: estimated Bernie Sanders> Net worth: $194,026-$741,030 In 2013, Bernie Sanders had an average estimated net worth of $330,507, well below other prospective presidential nominees and among the lowest compared with other members of Congress. As of late 2019, Open Secrets, the website of the Center for Responsive Politics, estimated Sanders' net worth at between $729,000 and $1.8 million, making him neither the richest nor the poorest presidential hopeful in the 2020 field. estimated In any case, the meme's characterization of Sanders as a "loser" based on his net worth evinces a rather skewed perspective. Although many people view financial rewards as a tangible measure of one's success, it is far from the only factor by which accomplishment can be measured. (In fact, highly-regarded President Harry S. Truman had virtually no net worth even after leaving the White House in 1953 and afterwards was largely dependent upon Congress' finally establishing a pension for former presidents.) pension Bernie Sanders might equally be considered a "winner" for persevering at his goal of achieving a political career long after others might have given up, and for succeeding at that effort despite prolonged financial hardship. Unlike many others, Sanders might also be lauded for maintaining a rather plain life and not having enriched himself in public service (especially since candidates at the other end of the financial spectrum are frequently criticized for being "out of touch with the common man"). As 247 Wall St. wrote of Sanders: The Vermont senator, who is the longest-serving independent in U.S. history, is a self-identified socialist. He is seeking the Democratic nomination and is the most popular Democratic candidate after Hillary Clinton. In keeping with Sanders' stated intention of starting a grassroots movement, more than 90% of his campaign contributions have come from individual donors. Sanders' campaign speeches have drawn record numbers of attendants. Most recently, 19,000 people watched Sanders speak at an NBA arena in Portland, Oregon, the largest political event compared with all other candidates so far this election season. All in all, that sounds like quite an impressive career achievement for anyone  regardless of net worth. Kruse, Michael.  "Bernie Sanders Has a Secret."
  Politico.  9 July 2015. Frohlich, Thomas C. et al.  "The Net Worth of Each Presidential Candidate."
  24/7 Wall St.  24 August 2015. Delaney, Arthur.  "Bernie Sanders Ran for Office While on Unemployment."
  The Huffington Post.  29 May 2015. Murphy, Tim.  "How Bernie Sanders Learned to Be a Real Politician."
  Mother Jones.  26 May 2015. OpenSecrets.org.  "Net Worth of 2020 Presidential Candidates."
 Accessed 18 October 2019. Claim:  Editorial identifies anachronisms in Barack Obama's 2007 Selma speech.  Example:  [Hollrah, 2007] Tuning in to C-Span recently, I found myself listening to a speech by Senator Barrack Hussein Obama, Jr. He was standing in the pulpit of a black church in Selma, Alabama, and as I studied the body language of the dozen or so black ministers standing behind the senator, I couldn't help but be reminded of the little head-bobbing dolls that people used to place in the rear windows of their 1957 Chevrolets. If their reactions are any indication, the new Schlickmeister of the Democrat Party is actually a pretty accomplished public speaker. However, as he spoke, I found my bull alarm going off, repeatedly. But I couldn't quite figure out why until I actually read excerpts of his speech several days later. Here's part of what he said: "... something happened back here in Selma, Alabama. Something happened in Birmingham that sent out what Bobby Kennedy called, "ripples of hope all around the world." Something happened when a bunch of women decided they were going to walk instead of ride the bus after a long day of doing somebody else's laundry, looking after somebody else's children.  "When (black) men who had PhD's decided 'that's enough' and 'we're going to stand up for our dignity,' that sent a shout across oceans so that my grandfather began to imagine something different for his son. His son, who grew up herding goats in a small village in Africa could suddenly set his sights a little higher and believe that maybe a black man in this world had a chance."So the Kennedy's decided we're going to do an air lift. We're going to go to Africa and start bringing young Africans over to this country and give them scholarships to study so they can learn what a wonderful country America is. "This young man named Barack Obama got one of those tickets and came over to this country. He met this woman whose great great-great-great-grandfather had owned slaves; but she had a good idea there was some craziness going on because they looked at each other and they decided that we know that, (in) the world as it has been, it might not be possible for us to get together and have a child. There was something stirring across the country because of what happened in Selma, Alabama, because some folks are willing to march across a bridge. So they got together and Barack Obama Jr. was born. So don't tell me I don't have a claim on Selma, Alabama. Don't tell me Im not coming home to Selma, Alabama." Okay, so what's wrong with that? It all sounds good  but is it? Okay, so  what's wrong with that? It all sounds good. But is it? Obama told his  audience that, because some folks had the courage to "march across a  bridge" in Selma, Alabama, his mother, a white woman from Kansas, and his father, a black Muslim from Africa, took heart. It gave them the courage to get married and have a child. The problem with that characterization is that Barrack  Obama, Jr., was born on August 4, 1961, while the first of three marches  across that bridge in Selma didn't occur until March 7, 1965, at least  five years after Obama's parents met. Obama went  on to tell his audience that the Kennedys, Jack and Bobby, decided to do  an airlift. They would bring some young Africans over so that they could  be educated and learn all about America. His grandfather heard that call and sent his son, Barack  Obama, Sr., to America. The problem with  that scenario is that, having been born in August  1961, the future senator was not conceived until sometime in November  1960. So if this African grandfather heard words that ''sent a shout  across oceans,'' inspiring him to send his goat-herder son to America, it  was not a Democrat Jack Kennedy he heard, nor his brother Bobby, it was a Republican  President, Dwight D. Eisenhower. Obama's speech is reminiscent of Al Gore's  claim of having invented the Internet, Hillary  Clinton's claim of having been named after the first man to climb  Mt. Everest, even though she was born five years and seven months before Sir Edmund climbed the mountain, and John  Kerry's imaginary trip to Cambodia.  As  one of my black friends, Eddie Huff, has said, "We need to ask some very serious questions of the senator from Illinois.  It's not enough to be black, it's not enough to be articulate, and it's  not enough to be eloquent and a media darling. The only question will be  how deaf an ear, or how blind an eye, will people turn in order to turn a  frog into a prince." [Click here to expand text]. [Click here to expand text] Origins:  On 4 March 2007, former president Bill Clinton, along with then-senators Hillary Clinton and Barack Obama made an appearance in Selma, Alabama, to commemorate the 42nd anniversary of   "Bloody Sunday": the 7 March 1965 Selma-to-Montgomery march for voting rights that ended with several hundred civil rights marchers' being assaulted with billy clubs and tear gas wielded by state troopers and deputies at the Edmund Pettus Bridge on the outskirts of Selma. Bloody Sunday Edmund Pettus Bridge As part of that day's ceremonies, Senator Obama delivered a speech from the pulpit of the Brown Chapel A.M.E. church (the starting point for the "Bloody Sunday" march) praising civil rights achievements (such as the Selma marches) as having helped pave the way for his campaign to become the first black president. speech An editorial by Paul R. Hollrah published a week later attempted to take Senator Obama to task for fudging chronology in order to make a personal connection between key civil rights events and his forebears.  Senator Obama's speech was misleadingly ambiguous in some places, but it wasn't quite as anachronistic as made out in the editorial quoted above. editorial One of the editorial's criticisms is that: Obama went on to tell his audience that the Kennedys, Jack and Bobby, decided to do an airlift. They would bring some young Africans over so that they could be educated and learn all about America. His grandfather heard that call and sent his son, Barrack Obama, Sr., to America. The problem with that scenario is that, having been born in August 1961, the future senator was not conceived until sometime in November 1960. So, if his African grandfather heard words that "sent a shout across oceans," inspiring him to send his goat-herder son to America, it was not Democrat Jack Kennedy he heard, or his brother Bobby, it was Republican President Dwight D. Eisenhower. One might reasonably infer from the wording of Barack Obama's speech that he was speaking of  President John F. Kennedy, since he invoked the name Kennedy immediately after mentioning the White House: What happened in Selma, Alabama and Birmingham also stirred the conscience of the nation. It worried folks in the White House who said, "You know, we're battling Communism. How are we going to win hearts and minds all across the world? If right here in our own country, John, we're not observing the ideals set forth in our Constitution, we might be accused of being hypocrites." So the Kennedy's decided we're going to do an air lift. We're going to go to Africa and start bringing young Africans over to this country and give them scholarships to study so they can learn what a wonderful country America is. This would indeed be an anachronism, since JFK did not assume that office until 1961 and therefore could not have been, as President, instrumental in funding a program that brought students such as Barack Obama's father from Kenya to the University of Hawaii in 1959.  However,  it is true that  Senator John F. Kennedy, shortly before being elected president, arranged a grant for a scholarship program to bring Kenyan students to American colleges: In his command of the US political stage over the past year, Barack Obama has inspired many a comparison to John F Kennedy. Both young senators brought a lofty message, an appealing young family and a movie-star aura to the presidential race. But the two men forged a less known link  before Obama was even born. The bond began with Kenyan labour leader Tom Mboya, an advocate for African nationalism who helped his country gain independence in 1963. In the late 1950s, Mboya was seeking support for a scholarship program that would send Kenyan students to US colleges  similar to other exchanges the US backed in developing nations during the Cold War with the Soviet Union. Mboya appealed to the state department. When that trail went cold, he turned to then-senator Kennedy. Kennedy, who chaired the senate subcommittee on Africa, arranged a $100,000 grant through his family's foundation to help Mboya keep the program running. "It was not a matter in which we sought to be involved," Kennedy said in an August 1960 senate speech. "Nevertheless, Mr Mboya came to see us and asked for help, when none of the other foundations could give it, when the federal government had turned it down quite precisely. We felt something ought to be done." Although Mboya did raise money (from a variety of contributors) for scholarships for Kenyan students during a trip he made to the United States in 1959, it was not until July 1960 that he met John F. Kennedy and persuaded the senator to contribute $100,000 to his cause through the Joseph P. Kennedy Jr. Foundation.  Technically, therefore, Barack Obama's father did not come to the United States with money directly provided by the Kennedy family (as Barack Sr. had arrived in the U.S. the year before, benefiting from funds previously raised by Tom Mboya), but he did come to the U.S. as part of an ongoing program that the Kennedy family helped fund. Obama told his audience that, because some folks had the courage to "march across a bridge" in Selma, Alabama, his mother, a white woman from Kansas, and his father, a black Muslim from Africa, took heart. It gave them the courage to get married and have a child. The problem with that characterization is that Barack Obama, Jr. was born on August 4, 1961, while the first of three marches across that bridge in Selma didn't occur until March 7, 1965, at least five years after Obama's parents met. Senator Obama might be considered guilty of engaging in little pandering here by trying to imply a direct line between the 1965 Selma, Alabama, marches and his personal background (since he was speaking in Selma at the time).  However, the tenor of his speech was how the overall growth and progress of the Civil Rights movement affected the outlook of blacks (including his family), both in the U.S. and abroad.  That movement did not start with the 1965 marches in Selma; it was a process that began and grew across the years, including among its landmark events the 1955-56 bus boycott in Montgomery (which occurred several years before Barack Obama was born, and before his father left Africa for the U.S.) and the 1963 anti-segregation protests in Birmingham  all of which (along with the Selma marches) took place in Alabama, and all of which were referenced by Senator Obama in his speech that day: Montgomery Birmingham Yet something happened back here in Selma, Alabama. Something happened in Birmingham that sent out what Bobby Kennedy called, "Ripples of hope all around the world." Something happened when a bunch of women decided they were going to walk instead of ride the bus after a long day of doing somebody else's laundry, looking after somebody else's children. When men who had PhD's decided that's enough and we're going to stand up for our dignity. That sent a shout across oceans so that my grandfather began to imagine something different for his son. His son, who grew up herding goats in a small village in Africa could suddenly set his sights a little higher and believe that maybe a black man in this world had a chance. What happened in Selma, Alabama and Birmingham also stirred the conscience of the nation. As for accuracy, Mr. Hollrah erred himself at the end of his piece by invoking the myth of "Al Gore's claim of having invented the Internet" (as well as consistently misspelling the Senator's first name as "Barrack").   myth Last updated:  9 March 2015    Radelat, Ana.  "Selma March Raises Political Stakes for Obama, Clinton."   USA Today.  2 March 2007.    Schor, Elana.  "The Other Obama-Kennedy Connection."   The Guardian.  10 January 2008.    Associated Press.  "Obama, the Clintons Turn Selma Marches into Campaign Event."   International Herald Tribune.  4 March 2007.    Time.  "The African Question."   29 August 1960. In July 2019, Facebook users began seeing posts advertising an $80 coupon offer for the H-E-B supermarket chain:  These posts were the latest iteration of the common "free coupon" or "free gift card" scams that frequently plague social media. The fraudulent social media posts falsely proclaimed the distribution of H-E-B coupons was in honor of the store's 50th anniversary ("HEB is giving free $80 coupon per family to celebrate its 50th anniversary!"), although the chain was founded in 1905 (and thus is approaching its 114th anniversary). Those postings also linked to sites (such as www.heb.com-jul.com) not actually affiliated with the chain. These fake coupon offers are a form of survey scam that typically instructs shoppers to follow "three simple steps" in order to get a free gift card. Once the steps are completed, however, users are not greeted with a coupon code: Instead, they are asked to fill out a survey and provide personal information such as home address, telephone number, e-mail address, and date of birth. Users are also required to sign up for credit cards or enroll in subscription programs in order to obtain their "free" gift cards. These fraudulent surveys are quite popular on Facebook. If you frequently use Facebook, there is a good chance that you'll run into one of these survey scams again. A July 2014 article from the Better Business Bureau listed key factors for identifying fraudulent Facebook posts: article Don't believe what you see. It's easy to steal the colors, logos and header of an established organization. Scammers can also make links look like they lead to legitimate websites and emails appear to come from a different sender. Legitimate businesses do not ask for credit card numbers or banking information on customer surveys. If they do ask for personal information, like an address or email, be sure there's a link to their privacy policy. When in doubt, do a quick web search. If the survey is a scam, you may find alerts or complaints from other consumers. The organization's real website may have further information. Watch out for a reward that's too good to be true. If the survey is real, you may be entered in a drawing to win a gift card or receive a small discount off your next purchase. Few businesses can afford to give away $50 gift cards for completing a few questions. H-E-B offers their genuine digital coupons to shoppers at https://www.heb.com/static-page/coupons. https://www.heb.com/static-page/coupons Scam:  Accounts of check fraud being perpetrated at Walmart stores by employees and customers. SCAM Example:  [Collected via e-mail, July 2007]    Origins:  The image displayed above supposedly reproduces a 26 July 2007 memo (circulated as a PDF) from an official with Louisiana's Department of Public Safety and Corrections (DPSC) warning employees about a multi-city check theft ring operating out of Walmart stores. According to the memo, Walmart employees had been using cell phones to photograph customer checks, then employing the information obtained from the images to produce fake checks that are used to buy gift cards. PDF As for the question of whether this memo actually was written by a Louisiana official, we note that the Louisiana State Police (LSP) disclaimed the memo's appropriateness without denying that it originated within the DPSC:  LSP On Thursday, July 26, 2007, an unauthorized letter was distributed to employees in the Baton Rouge field office of the Louisiana Department of Public Safety and Corrections, Office of Motor Vehicles, concerning an alleged multi-city fraud and theft ring operating at Wal-Mart involving Wal-Mart employees. It was alleged in the letter that the employees of the store would obtain a customer's checking account information, and the information would be used to create fraudulent checks. This letter was not official or sanctioned in any way by the Department of Public Safety; unfortunately this letter was made public. The Department will be conducting an internal investigation and, at the conclusion of the investigation, will take the appropriate corrective and/or disciplinary action. Members of the public should not rely on information contained in the letter. As always, consumers are cautioned to take steps to limit disclosure of their personal information and to be aware of their surroundings. As for the content of the memo, we note that instances of check fraud have been tied to a then-new practice (used in some Walmart stores) of processing checks not by the "traditional" method of retaining them and submitting them to banks for deposit, but by using them as authorizations to initiate electronic funds transfers (EFTs) and immediately returning them to customers.   In some cases, dishonest sales clerks have abused this procedure by deliberately failing to return checks to customers, then re-scanning the checks multiple times and using the ill-gotten proceeds to purchase gift cards and other merchandise. For example, TV station KTRK in Houston reported the following check-theft scam by a Walmart employee in December 2006: A former Wal-Mart employee is behind bars for her role in what authorities are calling a check fraud scheme. When you write a check at Wal-Mart, you hand it to a clerk who then runs the check through an electronic scanner and hands it back to you. Unfortunately some Wal-Mart shoppers did not get their checks handed back to them and it cost them thousands of dollars. Pam Davis never thought writing a $37 check at Wal-Mart would cost her thousands of dollars, but that's exactly what happened. She said, "I had gone to Wal Mart and written a check for $37 and did not realize I did not get that check back, which is the custom with electronic transfer. You are supposed toreceive the check back." Davis says  and authorities confirm  a clerk at Wal-Mart never returned Davis' check at the time of purchase, [so] the clerk was able to re-run the check through the electronic reader again and again.  Five times, they changed the amounts each time," Davis claimed. "It was almost $3,000." Authorities believe the clerk gave the checks to other people who then went on shopping sprees inside the store. Capt. Mark Herman with Precinct 4 said, "In some of the cases they were getting $300 Wal-Mart gift cards, clothing, just all kinds of purchases." Constables say the clerk did the same thing with checks written by other Wal-Mart customers. February 2016 also saw the sentencing of a Walmart customer who (along with his wife) defrauded other customers of hundreds of thousands of dollars through the method of peeking over their shoulders to obtain personal information which the couple used to create counterfeit checks: A man who cashed $300,000 worth of counterfeit checks using personal information stolen by peeking over the shoulders of hundreds of Wal-Mart customers was sentenced to prison. Robert MacVittie and his wife lined up behind customers trying to cash payroll checks at "dozens and dozens" of Wal-Mart stores in 20 states and recorded them providing their Social Security numbers, Assistant U.S. Attorney Gregory Melucci said at the hearing where MacVittie received a 34-month sentence. The couple would then use the victims' identities to create counterfeit checks, which they cashed at other Wal-Marts. Melucci called MacVittie, 35, and his wife Jennifer, 32, "the Bonnie and Clyde of counterfeit checks." More than 400 people had their identities used on the successfully cashed counterfeit checks, Melucci said. Although it is possible a similar type of fraud could be effected by clerks' surreptitiously using cell phones to photograph customer checks, we have not been able to verify that this specific form of theft is occurring, much less that is taking place on a multi-city level by organized rings of Walmart employees.  photograph A few tips can be helpful to shoppers to avoid falling victim to this sort of fraud:  Be aware of how the stores you patronize process checks.  If they scan checks to use them as EFT authorizations, be sure your check is returned to you before you leave the checkout counter.  Use your bank's web site to monitor your checking account transactions online and notify your bank immediately if you spot any suspect transactions.  Using credit cards (or debit cards) rather than checks generally makes it easier to challenge fraudulent transactions and limit your liability for illegitimate charges.   Last updated:  7 February 2016  Mandak, Joe.  "'Shoulder Surfing' Husband Gets Prison in Walmart Check Scam Targeting Hundreds."    WTAE [Pittsburg].  4 February 2016. In November 2023, multiple Facebook ads were displayed to users that led to an article that bore the People magazine logo and claimed that Sheryl Underwood, the longtime co-host of "The Talk," would be leaving the TV talk show to work on expanding her own line of keto gummies for weight loss. However, this was not true. Underwood has nothing to do with any keto gummies for weight loss, nor did People magazine ever publish any such story. Underwood was simply the latest person in a long line of famous people who had had their image and likeness used without permission to sell keto gummies. Further, this false rumor that mentioned Underwood led to a dangerous scam that could potentially cost victims thousands of dollars per year. a long line of famous people One version of the Facebook ad claimed, "Producers are furious that she came forward." The headline in the ads read, "Sheryl Abandons 'The Talk' After Confessing Her Trick." Two of the false Facebook ads that promoted the scam. These ads led to a fake People magazine article on scam websites including emperorsland.pro, sizzlingpear.pro, mindfulmovement.pro and chillytreats.info. (We were unable to provide an archived link to the article since scammers design these websites so that the scam version of the page is cloaked from prying eyes  that is, unless users specifically came from a Facebook ad.) This is not a true story, nor did People.com ever publish any such article. The fake People magazine article, which was nothing more than fiction and a scam, began as follows: Sheryl Underwood Confirms She Is Leaving 'The Talk' After Her Accidental 'Live' Confession On-Air... The host said that it was 'time for a break', but she may actually have bigger things in mind. (People) - Sheryl Underwood, the 60-year-old host on CBS's show 'The Talk', shocked everyone when she announced her departure from the show after 12 record-breaking years on-air. Sheryl, who has earned the reputation of being one of the most business savvy women in the industry, made sponsors (and CBS) FURIOUS. Why? Because Sheryl failed to disclose her new weight loss line to the network. Sheryl's new company is actually a HUGE competitor to CBS's current sponsor Weight Watchers because Sheryl's product is 90% cheaper and five times more effective than Weight Watchers's competing product. According to sources, CBS made Sheryl decide on which direction she was going to focus on in the future. Being so turned off by the reaction of the network and their power move she has decided to pursue her new weight loss line and dream. The scam article went on to falsely claim that other celebrities had joined with Underwood to promote the products, whether they be Belly Blast Keto Gummies, Total Fit Keto Gummies or other products. It is a fact that no celebrities have ever endorsed keto gummies that are purportedly intended for use in weight loss. Websites that promote sales of keto gummies for weight loss usually lack information about the true creators of the products and the source of where they were packaged. In the past, some consumers who fell victim to these scams told Snopes that the post office box numbers included in return addresses for the products don't exist. The rabbit hole for keto gummies goes even deeper, however. Two odd scenarios have been laid out by numerous victims of the scams, which usually involve monthly subscription fees often reported as being around $200 or more, or around $2,400 per year. Some consumers said that they never ordered the products but kept receiving shipments that they had no way of returning, due to fake return addresses. On the flip side, other customers said that they received charges for the products on their credit card statements despite never having ordered them, and then never received any products in the mail. Further, listings for keto gummies for weight loss on Amazon.com and Walmart.com often feature the words "Shark" and "Tank," although not consecutively as "Shark Tank." The two words are included in product listings on Amazon.com and Walmart.com so that any customers searching online for keto gummies with the words "Shark Tank"  after those same customers saw false claims that said the TV show's investors endorsed the products  would then fall victim to the scam and purchase the products based on the "Shark Tank" lie. Again, to be clear, no investors associated with "Shark Tank" ever endorsed gummies. false claims If any readers have been victimized by these scams, we recommend contacting your credit card company immediately, reporting fraud to the FTC and also searching the U.S. Better Business Bureau's (BBB) website to perform a search for the product name associated with the purchase on your account or the product that arrived at your doorstep, so that you can find the company or LLC connected with the scam. reporting fraud to the FTC website Liles, Jordan. Shark Tank Keto Gummies Weight Loss Reviews Are a Scam. Snopes, 14 Mar. 2023, https://www.snopes.com/fact-check/shark-tank-keto-gummies-weight-loss-reviews/. In May 2016, syndicated talk radio host Sean Hannity aired an item claiming that Donald Trump had sent a plane to give 200 stranded U.S. marines a much-needed ride home after Operation Desert Storm in 1991: item When Corporal Ryan Stickney and 200 of his fellow Marines prepared to return to their families after Operation Desert Storm in 1991, a logistics error forced them to turn to a surprising source for a ride home: Donald J. Trump. Today, Stickney would like to say "thank you." Stickney (left), was a squad leader in a TOW company of a Marine reserve unit based in Miami, FL and spent approximately six months in Saudi Arabia during the Gulf War between 1990 and 1991. Upon his units return to the United States, the former Marine says the group spent several weeks decompressing at Camp Lejeune in North Carolina before heading back to Miami. Stickney recalls being told that a mistake had been made within the logistics unit and that an aircraft wasnt available to take the Marines home on their scheduled departure date. This  according to Stickney  is where Donald Trump comes in. "The way the story was told to us was that Mr. Trump found out about it and sent the airline down to take care of us. And thats all we knew ... I remember asking 'Who is Donald Trump?' I truly didn't know anything about him," the former Marine said. Corporal Stickney snapped a photo to remember the day by:   The story came up several times during the course of the 2016 presidential campaign (Cpl. Stickney even told it in person at a Trump rally), but skeptics questioned its validity despite a statement from the Trump campaign allegedly confirming it: "The Trump campaign has confirmed to Hannity.com that Mr. Trump did indeed send his plane to make two trips from North Carolina to Miami, Florida to transport over 200 Gulf War Marines back home. No further details were provided." told confirming The few details we do have about Trump's alleged participation don't, in fact, add up. We can confirm, based on military records, that the 209-member Anti-Tank (TOW) Company, part of the 8th Tank Battalion for Operation Desert Shield, deployed to Camp LeJeune, North Carolina, from their home base in Miami on 26 November 1990. And we can confirm that the company deployed from Camp LeJeune to Saudi Arabia on 22 December, served throughout the combat phase of Operation Desert Storm (from 17 January to 28 February 1991), and returned to North Carolina in April. A command chronology of the deployment notes that a "Cpl. Stickey" was among those receiving certificates of commendation. deployed command chronology We can also confirm, via a 23 April 1991 article from the Sun-Sentinel, that a series of flight delays stalled the company's homecoming to Miami on 22 April, but that they finally did arrive home after split across two separate flights. Stickney's photograph shows that he arrived on a plane marked "Trump," but it also proves something else: that even if Trump did send the plane, it wasn't his private jet. article That Trump didn't send the pictured plane at all was something noted by a sharp-eyed reader, who wrote to us to note: First, thats not Trumps private 727 jet; its one of the jets in the Trump Shuttle fleet. I wondered if maybe Trumps jet back in those days was painted differently, so I researched his private jet as of April 1991. I found that Trump was deep in the red, financially, and having to liquidate assets, one of which was his personal 727. The sale of that jet was finalized in the first week of May 1991, making it highly unlikely he was also flying reservists around while discussing the sale at the end of April. jet Shuttle The markings of the plane in Stickney's photo match those of the Trump Shuttle fleet, so the question becomes: Did Trump himself send a Trump Shuttle to retrieve the stranded Marines, or was it procured some other way? To arrive at an answer, it's necessary to go into a bit of the history of Trump Shuttle. A July 2015 article in NYC Aviation detailed Trump's short-lived airline industry involvement, beginning with an entirely separate carrier, Eastern Air Shuttle, which he immediately rebranded with his own name: article carrier rebranded CEO Frank Lorenzo ... began selling off assets including the prized Shuttle operation. Donald Trump placed a winning bid for the Shuttle, its aircraft and landing slots at LaGuardia and National for $380 million dollars that was financed through no less than 22 banks. The newly branded Trump Shuttle took the skies on June 7, 1989. Timing is everything in business, and unfortunately for Trump he entered the airline game at the wrong time. The US entered an economic recession in the late-80s leading many corporations to cut back on business travel. In addition, tensions in the Middle East leading up to the first Gulf war caused oil prices to spike. This 1-2 punch was devastating for the airline industry and led to the demise of a number of airlines including Eastern and Pan Am. Given these circumstances, the Trump Shuttle lost money, and with Trump continuing to accumulate debt in his other ventures it was becoming increasingly difficult to pay back the loans taken to purchase the airline. In September of 1990 Trump defaulted on his loan and control of the airline went back to the banks led by Citibank. Given that the bankers, not Donald Trump, owned Trump Shuttle from September 1990 until it was sold to U.S. Air in 1996, Trump wasn't in a position to send the planes anywhere, much less on a spur-of-the-moment Marine transport mission. So who did? As it turns out, the U.S. military itself chartered the flights -- a common practice in the day, according to an 11 August 2016 report by The Washington Post: Lt. Gen. Vernon J. Kondra, now retired, was in charge of all military airlift operations. He said that relying on commercial carriers freed up the military cargo aircraft for equipment transport. Vernon J. Kondra Kondra's notes on the flight are declassified and available online and show a contract for Trump Shuttle to "move troops in [the] continental United States" during the 1990-91 timeframe: online There are several references to a 1990-91 contract for Trump Shuttle to carry personnel across the United States, between the East and West Coasts, on a standard LaGuardia-Dover-Charleston-Travis-Chord-Kelly-Dover-LaGuardia run.   "It worked very well, and the crews loved it, and really thought that we'd done something special for them," Kondra recalled in the oral history. "It was a helluva lot better than using 141s [cargo craft], which we could use for something else." But Kondra said that the notion that Trump personally arranged to help the stranded soldiers made little sense. "I certainly was not aware of that. It does not sound reasonable that it would happen like that. It would not fit in with how we did business. I don't even know of how he would have known there was a need." So the real story underlying the claim that Donald Trump personally sent his jet to pick up stranded soldiers and return them to the U.S. is that the military paid to charter a plane from an airline Trump no longer owned in order to bring those service personnel home. Kessler, Glenn.  "Too Good to Check: Sean Hannitys Tale of a Trump Rescue."
  The Washington Post.  11 August 2016. Reed, Ted.  "Trump: I Ran a Great Airline."
  The Globe and Mail.  26 September 2011. Rodriguez-Florido, Lourdes.  "Grand Homecoming Welcomes War-Weary Marine Reservists Company Looks Forward to Settling Into Life's Regular Routines."
  Sun-Sentinel.  23 April 1991. CNN.  "Inside Donald Trump's Private Jet."
  10 November 2009. GulfLINK.  "8th Tank BN Command Chronology 8th Nov 90 to March 91."
  12 April 1991. Scam:  Callers pretend to be fraud investigation agents for Visa and MasterCard in order to obtain credit card security codes. Example:  [Collected on the Internet, 2003] We all receive emails all the time regarding one scam or another; but last week I REALLY DID get scammed! Both VISA and MasterCard told me that this scam is currently being worked throughout the Midwest, with some variance as to the product or amount, and if you are called, just hang up. My husband was called on Wednesday from "VISA" and I was called in Thursday from "MasterCard". It worked like this: Person calling says, "This is Carl Patterson (any name) and I'm calling from the Security and Fraud department at VISA. My Badge number is 12460. Your card has been flagged for an unusual purchase pattern, and I'm calling to verify. This would be on your VISA card issued by 5/3 bank. Did you purchase an Anti-Telemarketing Device for $497.99 from a marketing company based in Arizona?" When you say "No". The caller continues with, "Then we will be issuing a credit to your account. This is a company we have been watching and the charges range from $297 to $497, just under the $500 purchase pattern that flags most cards. Before your next statement, the credit will be sent to (gives you your address), is that correct?" You say, "Yes". The caller continues ... "I will be starting a fraud investigation. If you have any questions, you should call the 800 number listed on your card 1-800-VISA and ask for Security. you will need to refer to this Control #". Then gives you a 6 digit number. "Do you need me to read it again?" Caller then says he "needs to verify you are in possession of your card. Turn the card over. There are 7 numbers; first 4 are 1234 (whatever) the next 3 are the security numbers that verify you are in possession of the card. These are the numbers you use to make internet purchases to prove you have the card. Read me the 3 numbers." Then he says "That is correct. I just needed toverify that the card has not been lost or stolen, and that you still have your card. Do you have any other questions? Don't hesitate to call back if you do." You actually say very little, and they never ask for or tell you the card number. But after we were called on Wednesday, we called back within 20 minutes to ask a question. Are we glad we did! The REAL VISA security dept. told us it was a scam and in the last 15 minutes a new purchase of $497.99 WAS put on our card. Long story made short ... we made a real fraud report and closed the VISA card and they are reissuing as a new number. What the scam wants is the 3 digit number and that once the charge goes through, they keep charging every few days. By the time you get your statement, you think the credit is coming, and then its harder to actually file a fraud report. The real VISA reinforced that they will never ask for anything on the card (they already know). What makes this more remarkable is that on Thursday, I got a call from "Jason Richardson of MasterCard" with a word for word repeat of the VISA Scam. This time I didn't let him finish. I hung up. We filed a police report (as instructed by VISA), and they said they are taking several of these reports daily and to tell friends, relatives and coworkers.  Origins:  There are five points we generally try to apply in evaluating warnings about possible criminal schemes or activities: 1)  Is the phenomenon outlined in the warning technically possible as described? 2)   Is the phenomenon outlined in the warning plausible?  (That is, some criminal schemes are technically possible, but they're too difficult, cumbersome, or expensive to plausibly enact on anything more than a very limited basis.) 3)  Are there any verifiable instances of people having been victimized in the manner described by the warning? 4)  Is there evidence that the criminal activity described in the warning is widespread? 5)  Is the criminal activity described in the warning something the average person might fall victim to? The scheme outlined in the message quoted above might be categorized as a "social engineering" scam  a technique which preys upon people's unquestioning acceptance of authority and willingness to cooperate   in order to extract from them sensitive information (such as computer passwords or credit card numbers). In this case the scammers' target data are the three-digit security codes found on the back of MasterCard and Visa cards.  Just as the Internet and other technologies have greatly expanded the possibilities for making credit card purchases without the need to physically present a card to the seller, so have they created additional opportunities for identity thieves to make profitable use of purloined credit card numbers. After getting their hands on credit card numbers (often through such simple expedients as rummaging through trash to find discarded receipts or statements), crooks can then employ a variety of means (e.g., mail order, phone order, Internet purchases, posing as merchants) in order to obtain money and merchandise by charging against the cardholder's account  even though the credit card itself remains snugly inside the cardholder's wallet.  The victim may not even know anything is amiss until he receives his next statement in the mail several weeks later.   Although safeguards have been enacted to catch most of these types of fraud, they're often defeated by a combination of lax security and clever crooks who know how to work around them.    One of the those safeguards is the addition of three-digit security codes (known as CVC2 or CVV2 codes) to every MasterCard and Visa card, codes which are indent-printed in the signature panels on the backs of the cards  but are not encoded in the magnetic stripes and do not print on sales receipts.  Many vendors cannot process credit card transactions without obtaining these security codes from their customers, thereby ensuring that persons placing orders have physical possession of the cards being used (and haven't simply scammed the sixteen-digit account numbers imprinted on the front of cards somehow).  Thus the scheme described above might be used by identity thieves who have managed to collect credit card numbers but need to obtain the associated security codes in order to process charges against the accounts. So, back to our five points: 1) Is this possible?  Yes, it's possible that scammers might  get hold of credit card numbers and then use the technique described above to obtain security codes and process phony transactions against the accounts. 2) Is this plausible?  The scam as described above is not extraordinarily difficult or expensive to pull off; all it requires is access to a telephone and the establishment of a merchant account for processing credit card transactions.  It also assumes the scammer already has the names, addresses, phone numbers, and credit card numbers (plus expiration dates) of his victims, but that information might be obtained in a variety of ways (such as breaking into and stealing customer data from merchant web sites).  Whether the same scammer could process more than a handful of phony charges before complaints caused his merchant account to be shut down is problematic, though, and most credit card issuers now have checks in place to prevent the shipping of merchandise to anywhere other than the card's registered billing address and other "card not present" (CNP scams). CNP 3) Are there known instances of this occurring?  We talked with a representative of MasterCard, who told us that although she couldn't verify the specific details of the message reproduced above, this type of scam does occur and isn't new; it's been going on ever since MasterCard started putting CVC2 security codes on all its cards back in 1997.  (Visa did not add CVV2 codes on all their credit cards until 2001.)  She also reiterated that MasterCard would not ask a cardholder to disclose security codes or provide any information verifying physical possession of a card; any such inquiries regarding security matters would come from the financial institution that issued the credit card, not from MasterCard itself. 4) Is this a widespread phenomenon?  Unfortunately, neither MasterCard nor VISA would provide us with any statistics regarding the specific scam described here or confirm any actual instances of its occurrence (other than to note that using the telephone to trick cardholders into divulging their security codes is a type of fraud that has been occurring for several years and is ongoing).  However, numerous readers have informed us they've received calls from persons identifying themselves as fraud investigation agents and asking for sensitive personal data, so (even allowing for the possibility that some of those calls were actually legitimate) we'd have to say anecdotal evidence indicates this scam is still being perpetrated, if only infrequently. 5) Is this something that might affect the average person?  Yes, anyone who holds a credit card is a potential victim of this type of fraud. The best protection against these types of telephone schemes for obtaining sensitive credit card information is to always verify the identities of the people with whom you speak.  If you have security questions or concerns about your credit card, call the financial institution who issued your card directly.  If someone contacts you by phone about your credit card, ask the caller to provide his name, department, and extension, then hang up and call him back through the phone number listed on your credit card or billing statement.    Additional information:        Recognizing Credit Card Fraud   (Consumer @ction)   Last updated:  1 April 2015 In the summer of 2020, a new nationwide wave of protests against racial injustice and police brutality was accompanied by a rising campaign to substantially divert funding away from police forces, as well as to replace existing models of local law enforcement. The movement, referred to in shorthand by the somewhat imprecise phrase "defund the police" faced intense opposition from some right-leaning quarters, especially supporters of U.S. President Donald Trump. As a result, companies and organizations faced condemnation for their supposed association with the "defund the police" movement, and in July, readers asked Snopes to examine one such claim.  condemnation A widely shared meme read: meme "Starbucks says Defund the Police. Let's defund Starbucks. Ask all friends and family not to be Starbucks patrons. Dunkin coffee is just as good!"   We could find no evidence of any instance in which Starbucks, as a company, called for police forces to be defunded or abolished, promoted or supported the "defund the police" campaign, or indeed used the words "defund the police" (or similar phrases) in its public utterances or on its social media accounts. As a result, we are at a loss as to the origins of the false claim that "Starbucks says defund the police." The company has on several occasions articulated support for the Black Lives Matter movement and opposition to racial injustice, but that is clearly not the same as supporting the "defund the police" campaign.  several occasions articulated support Black Lives Matter We found no evidence that Starbucks supports the "defund the police" campaign. By contrast, we found ample evidence of the company's partnering with various police forces as part of the "Coffee with a Cop" initiative, which encourages police officers and members of the public to meet in their local Starbucks caf with the aim of creating understanding, rather than hostility, between law enforcement agencies and the communities they police.  Coffee with a Cop It's worth noting that that initiative seeks to repair and improve relations between police forces and local communities, especially people of color within those communities. As such, it is actually rather antithetical to the "defund the police" movement, whose proponents often argue that those relationships are damaged beyond repair and efforts to reform policing have failed and should no longer be attempted.  argue Mac Guill, Dan. "Has Ford Motor Co. Donated Millions to 'Defund the Police'?"
 Snopes.com. 10 July 2020. Starbucks. "Black Lives Matter: Starbucks Update on Standing Against Racial Injustice."
 12 June 2020. Claim:   Two Idaho pastors were threatened with legal action and arrests for refusing to perform gay weddings.  Example:  [Collected via e-mail, October 2014] Facebook has a Fox News Radio article about a couple, Don and Evelyn Knapp, that own an Idaho wedding chapel and are supposedly facing arrest if they don't perform same sex marriages. Is this for real?  Are officials in Coeur d'Alene, Idaho, forcing Christian ministers to perform same sex marriage against their religious beliefs?  What has happened to "separation of church and state"?  Does it now only apply to churches preaching against  orruption in government?  Has the First Amendment been rewritten so that the state can now dictate religious beliefs and practices? Origins:  On 18 October 2014, the Christian legal advocacy group Alliance Defending Freedom (ADF) announced in a press release that they were filing a federal lawsuit and a motion for a temporary restraining order on behalf of pastors Donald and Evelyn Knapp of Couer d'Alene, Idaho. According to the announcement, the move was to prevent the city of Couer d'Alene from "forcing [the] two ordained Christian ministers to perform wedding ceremonies for same-sex couples." The ADF's release stated that Donald and Evelyn Knapp faced the threat of jail or exorbitant fines if they refused to officiate gay weddings: City officials told Donald Knapp that he and his wife Evelyn, both ordained ministers who run Hitching Post Wedding Chapel, are required to perform such ceremonies or face months in jail and/or thousands of dollars in fines. The city claims its "non-discrimination" ordinance requires the Knapps to perform same-sex wedding ceremonies now that the courts have overridden Idaho's voter-approved constitutional amendment that affirmed marriage as the union of a man and a woman. "The government should not force ordained ministers to act contrary to their faith under threat of jail time and criminal fines," said ADF Senior Legal Counsel Jeremy Tedesco. "Many have denied that pastors would ever be forced to perform ceremonies that are completely at odds with their faith, but that's what is happening here  and it's happened this quickly. The city is on seriously flawed legal ground, and our lawsuit intends to ensure that this couple's freedom to adhere to their own faith as pastors is protected just as the First Amendment intended." On 14 October 2014, three days prior to the ADF's press release, the Idaho state government had announced that they would no longer oppose the issuance of marriage licenses to same-sex couples, prompting a number of same-sex couples to obtain licenses and marry in the days immediately following the state's announcement:  The marriages came a day after Gov. Butch Otter and Attorney General Lawrence Wasden, Republicans who had fought to maintain the state's ban on gay marriage, ended their opposition to a ruling from the United States Court of Appeals for the Ninth Circuit that ordered the state to begin issuing marriage licenses to gay couples. The localized battle in Idaho received national attention on 20 October 2014, when Fox News opinion columnist Todd Starnes published an article about the ADF's lawsuit on behalf of the Knapps: According to the lawsuit, the wedding chapel is registered with the state as a "religious corporation" limited to performing "one-man-one-woman marriages as defined by the Holy Bible." But the chapel is also registered as a for-profit business  not as a church or place of worship  and city officials said that means the owners must comply with a local nondiscrimination ordinance. A Couer dAlene deputy city attorney reportedly said on local television that for-profit wedding chapels could not legally turn away a gay couple without risking a misdemeanor citation, and that the Hitching Post "would probably be considered a place of public accommodation that would be subject to the ordinance." The Knapps maintain that the City Attorneys office made the same assertion in telephone conversations with them, while the city claims they never threatened to take any legal action against the couple.  The difference between churches and businesses is at the heart of the Couer d'Alene ministers' legal dispute, and one eagle-eyed blogger made a compelling discovery in respect to that delineation, noticing that a cached version of theKnapp's "Hitching Post" web site described their services as follows: discovery cached The Hitching Post specializes in small, short, intimate, and private weddings for couples who desire a traditional Christian wedding ceremony. We also perform wedding ceremonies of other faiths as well as civil weddings. We believe that every wedding is special and realize how important this day is to those who walk through our doors.  At some point in time around Idaho's issuance of same-sex wedding licenses on 15 October and the ADF's press release on 18 October 2014, the Knapps altered the copy on their web site. As of 20 October 2014, the "About" description on the site no longer included references to the civil and non-denominational services that it had displayed just a few days earlier: description The Hitching Post specializes in small, short, intimate, and private weddings for couples who desire a traditional Christian wedding ceremony. We believe that every wedding is special and realize how important this day is to those who walk through our doors. The ordinance under which the Knapps maintained their religious freedoms were restricted [PDF], issued by the city of Couer d'Alene on 4 June 2014, exempted "religious corporations" from its provisions: PDF Notwithstanding any other provision herein, nothing in this Chapter is intended to alter or abridge other rights, protections, or privileges secured under state and/or federal law. This ordinance shall be construed and applied in a manner consistent with First Amendment jurisprudence regarding the freedom of speech and exercise of religion. This chapter does not apply to: Religious corporations, associations, educational institutions, or societies. Although the City of Couer d'Alene agreed that the Hitching Post was exempted from the anti-discrimination ordinance, the Knapps nonetheless forged ahead with a lawsuit against the jurisdiction. In March 2015, Couer d'Alene television station KXLY reported that the Knapps were maintaining that the city ordinance had cost them money, despite the fact that they had closed their business' doors by choice: reported The Hitching Post wants the city to pay them for wages lost during the time they thought the city was going to force them to perform weddings. The Hitching Post made their stance on gay marriage very clear last year when the initial ban was overturned. Last May they said they would close their doors if they were forced to perform same sex marriages. The Hitching Post now wants the city to pay them for the days the chapel shut down even though they did so by choice. The business also says it lost customers and received hate mail because of media attention. However, the city said they have made it clear the Hitching Post is classified as a "religious organization" and is exempt, whether it's for profit or not. City spokesperson Keith Erickson wrote in a statement that the city "never threatened any legal action against the Hitching Post, nor does it intend to do so." A  2 April 2015 news article added that the chapel closures cited by the Knapps in their suit against the city included days on which same-sex marriage had not yet been legalized in Idaho:  Boise-based attorney Kirtlan Naylor wrote in the city's legal response, that while the Knapps claim they lost income when they closed the Hitching Post because they would be in violation of the ordinance, they never allege "that they had any weddings scheduled on those dates, or that anybody came to their business requesting a wedding on those dates." "More so, same-sex marriage was not legal in Idaho on Oct. 7, 8, 9, 10, 11 and 14," the motion states. "Additionally, on Oct. 15, 2014, when same-sex marriage became legal, Plaintiffs would not have been subject to the ordinance because they were exempt. Therefore, they were under no legitimate threat of prosecution which would require them to close their business on that date." According to the Hitching Post owners' complaint, the Knapps closed their business due to "a constant state of fear that they would be arrested and prosecuted if they declined to perform a same-sex ceremony." However, the article referenced above also reiterated a city spokesman's statement that officials "have never threatened to jail them, or take legal action of any kind" against them. Last updated:  7 July 2015    Starnes, Todd.   "City Threatens to Arrest Ministers Who Refuse to Perform Same-Sex Weddings."   Fox News.  20 October 2014. Virginia needs a dose of Republican economic medicine to get out of a funk, says Glen Sturtevant, a Richmond School Board member who is running for the state Senate. Last year, we had zero percent growth in GDP in Virginia -- zero percent, Sturtevant said during an Aug. 18 candidates forum, sponsored by WCVE Richmond Public Radio. The only states that did worse than us were Alaska and Mississippi. Sturtevant is seeking the 10th District Senate seat that long has been held by Republican John Watkins, who is not seeking reelection. Also running is Dan Gecker, a Democrat who serves on the Chesterfield County Board of Supervisors; Marleen Durfee, an independent who is a former Chesterfield supervisor; and Carl Loser, a Libertarian from Powhatan County. We wondered whether Sturtevants dreary economic statistics were correct. A spokesman for his campaign said the information came from a June article in The Washington Post about preliminary state gross domestic product figures for 2014 that were released by the Bureau of Economic Analysis at the U.S. Department of Commerce. GDP is the value of all finished goods and services produced. Virginias GDP of about $427 billion last year was indeed flat -- there was 0.0 percent inflation-adjusted growth from 2013. Only two states trailed the Old Dominion in growth: Mississippi and Alaska, which saw their state economies shrink. Nationally, inflation-adjusted GDP expanded by 2.2 percent last year. These figures are preliminary, and Virginias position might improve slightly when the bureau releases its final report in September. Last year, for example, the preliminary report ranked Virginia 49th in economic growth in 2013; the final ranking pegged Virginias growth at 0.4 percent, 43rd among the states. The commonwealths economic growth has been lackluster for several years, spanning Democratic and Republican governors. In 2011, the state saw 0.6 percent GDP growth; in 2012, it saw 0.7 percent growth. Economists we spoke with said Virginias low numbers largely reflect a slow recovery from the Great Recession that has been exacerbated by its dependence on federal spending in an era of budget cuts. Virginia is home to large military bases and a fleet of defense and government contractors and federal workers that drive the economy of Northern Virginia. The Pew Charitable Trustsestimatesthat in 2013, federal spending was responsible for about 31 percent of Virginias economic activity. Only Mississippi was more dependent. Under the federal sequestration compromise, which kicked in at the start of 2013, Congress and the White House agreed to an automatic series of budget cuts to trim the national debt by $1 trillion over nine years. Half of the savings are coming from defense spending and half from domestic programs. A 2013studyby Stephen Fuller, director of the Center of Regional Analysis at George Mason University, said Virginia was particularly vulnerable to sequestration and predicted it would bite $15.4 billion a year out of the states economy. That was the second largest of any state. Fuller found California was projected to lose $16.7 billion. Texas was third, projected to lose $11.9 billion annually. Both of those states are seeing much greater growth than Virginia: Texas ranked second in the nation last year, with 5.2 percent growth; California ranked ninth with 2.8 percent growth. It should be noted, however, that both states have larger, more diverse economies than Virginia. Californias GDP was $2.1 trillion last year, Texas was $1.5 trillion, and Virginias was $427 billion, according to Bureau of Economic Analysis figures. Maryland, where many federal employees live, ranked 36th in economic growth last year. Although Maryland also is home to many federal employees, its less dependent on federal spending than Virginia. According to Pew, Uncle Sam funds about 27.5 percent of the economic activity in Maryland. While federal cuts start the discussion about Virginias sluggish recovery from the recession, theyre not the whole conversation. The state has also been hurt by the sagging coal industry in Southwest Virginia and declining furniture manufacturing in Southside Virginia, according to Terry Terry Rephann, regional economist at the University of Virginias Weldon Cooper Center for Public Service. Our ruling Sturtevant said that Virginia had zero percent economic growth last year, the third worst result in the nation. We rate his statement True.