Is it Impossible to Cancel Recurring Donations to the Trump Campaign?
On 3 August 2016, CNN reporter Jeremy Diamond shared a screenshot via Twitter of an e-mail sent by a frustrated former Trump supporter, claiming that it was impossible for backers to cancel recurring donations to the Trump campaign: Jeremy Diamond INBOX: Help, I set up a recurring contribution to Trump's campaign & want to cancel it: (cc: @realDonaldTrump) pic.twitter.com/TFOHhdZDlJ @realDonaldTrump pic.twitter.com/TFOHhdZDlJ  Jeremy Diamond (@JDiamond1) August 4, 2016 August 4, 2016  Diamond's tweet sparked a number of articles and blog posts stating it was "impossible" to cancel recurring Trump campaign donations, based solely or primarily on the anecdotal, secondhand claim made  in that tweet. Among the comments prompted by original tweet sent by Diamond were those left by other purported donors asserting that the claim wasn't exactly accurate:  @JDiamond1 @realDonaldTrump Spreading bogus info. When you contribute, you get receipt with an email + tel number to call if you need help. @JDiamond1 @realDonaldTrump  M G (@MadaGasp) August 4, 2016 August 4, 2016  @JDiamond1 @realDonaldTrump now please stop spreading false information, its all in the email you receive when you contribute @JDiamond1 @realDonaldTrump  Brian (@Brian_with_a_B) August 6, 2016 August 6, 2016   A large number of commenters expressed skepticism about the report, given that the claim was anonymously  sourced from a single individual: @JDiamond1 @realDonaldTrump Cheap shot: we all know you can contact your bank or other form of payment you use, to cancel right away. @JDiamond1 @realDonaldTrump  Viktor Staudt (@ViktorStaudt) August 4, 2016 August 4, 2016  @JDiamond1 @realDonaldTrump so exactly who was this unknown mystery person that went straight to a journalist? pic.twitter.com/R4h78829CP @JDiamond1 @realDonaldTrump pic.twitter.com/R4h78829CP  Patti Hannah (@b6sangel) August 7, 2016 August 7, 2016  We were unable to turn up any reports about the issue that antedated Diamond's tweet. If any Trump donors had previously encountered difficulties canceling their recurring donations, they didn't seem to chatter very much about it on social media prior to 3 August 2016 (and ceasing to support Trump as a candidate is only one reason someone might seek to cancel a recurring payment). Diamond appeared to pass the baton on the story overall, updating followers later with a link to an article published by Mic: The folks at @mic took this ball and ran with it. Here's what they found: https://t.co/eTODFa4f3O https://t.co/cktSrf88Z2 @mic https://t.co/eTODFa4f3O https://t.co/cktSrf88Z2  Jeremy Diamond (@JDiamond1) August 5, 2016 August 5, 2016  Diamond did not provide any further information about the claim, the claimant, or how he verified it before sharing it to Twitter. But Mic attempted to reproduce the problem on 4 August 2016 and gathered more information on the difficulty level of canceling recurring Trump donations. In a series of screenshots the site illustrated their findings, stating it was not possible to delete a stored credit card without replacing it with a separate valid credit card:  After investigating, Mic can confirm that there is no easy option to stop recurring donations on Trump's donation site: We set up a recurring donation of $1 and found no button or other obvious way to cancel payments or remove a credit card from the system  either on the homepage, the "update card" page, or in your contribution confirmation email. Once you're registered, if you try to change your payment information on Trump's site, you will see no option to remove your credit card  only "update" it. Then, when you click on "update card," you see a page that allows you to alter your payment information  but you cannot completely delete your credit card. You are forced to replace it with another valid card: Invalid numbers are rejected. One responder to the original tweet then objected to that claim, stating it was impossible to set up a recurring $1 donation:  .@JDiamond1 You can't set up a $1.00 recurring amt.What else about this story is BS?@realDonaldTrump pic.twitter.com/kB4TalWOSE @JDiamond1 @realDonaldTrump pic.twitter.com/kB4TalWOSE  ValerieNoFux (@OPFergVal) August 7, 2016 August 7, 2016  However, it appears that it is possible to enter any amount as a recurring donation: enter  Mic confirmed that if a putative donor set up an account, then it would be possible for that person to cancel a recurring donation made via Trump's web site: It turns out that there is a way to delete your card from the Trump campaign's system, but it seems you must have first registered an account and created a password: If you did not do so, there is no clear way to cancel your payment. Assuming you did create an account and have logged in, to stop your payment you must click the small gray question mark icon in the upper right corner of the donations page. Then you will see [a separate] screen. In order to delete your card, you must click "manage." Then will you be redirected to the website of the Trump campaign's vendor. There you must click "recurring plans," and only then can you cancel your monthly payment; notably, even after you cancel, there is still no obvious way to delete your card number without replacing it with another valid number. Per Mic's screenshots, that vendor was Revv, and we sent an e-mail inquiry to them to clarify whether it was possible to cancel the recurring payments some other way.  Revv However, even if the web site interface didn't allow for such a cancellation, the Federal Deposit Insurance Corporation (FDIC) notes that the the Electronic Fund Transfer Act (EFTA) provides for consumers to cancel unwanted recurring payments: notes If you have regular, automatic deductions from your checking account (to pay for expenses such as insurance premiums or utility bills), the EFTA allows you to stop those payments. First, notify the vendor. Next, tell your bank about your request at least three business days before the money is scheduled to be transferred. Your notice to the bank may be oral, but the institution may require you to provide a written follow-up within 14 days to ensure that no additional payments are made. If you fail to provide a written follow-up, the bank is no longer responsible for stopping future payments. Stopping an automatic, recurring payment on a credit card is different. Start by putting in your request with the vendor. But if the vendor continues to charge your credit card, contact your card issuer. You'll have 60 days to dispute the charge, starting when the card issuer sends you the statement with the charges. While it appears to be atypically difficult to cancel a recurring donation to the Trump campaign, it is certainly not impossible, as individuals who create an account can do so via the web interface. Overall, it seemed the problem related more to the interface of a third-party vendor (Revv) to whom the Trump campaign had outsourced donations and not to the campaign itself.  Dennin, James.  "Donald Trump's Campaign Website Won't Let Some Cancel Recurring Donations."
  Mic.  4 August 2016.
In late May 2023, a number of Twitter accounts retweeted and criticized a post supposedly written on May 28 by U.S. Rep. Alexandria Ocasio-Cortez (AOC), about farmers: retweeted and criticized  (@Shamrock168339/Twitter)   (@GSchifanelli/Twitter) Contrary to what most of these users apparently assumed, however, the "Farming should be illegal" tweet attributed to AOC was actually posted by a parody account: "Farming should be illegal" tweet AOC parody account  (@AOCpress/Twitter) It was a joke. AOC did not tweet that "Farming should be illegal." No such tweet or sentiment appeared on her official Twitter account. Twitter users were similarly fooled by a previous tweet from the parody account, also fact-checked by Snopes, in which Ocasio-Cortez supposedly said "Printing money is the only way out of inflation." previous tweet fact-checked by Snopes In a May 30 tweet from her official account, Ocasio-Cortez informed the public that the parody account was "impersonating" her and "releasing false policy statements," and noted that Twitter owner Elon Musk "has engaged it, boosting its visibility": May 30 tweet FYI there's a fake account on here impersonating me and going viral. The Twitter CEO has engaged it, boosting visibility. It is releasing false policy statements and gaining spread. I am assessing with my team how to move forward. In the meantime, be careful of what you see.  Alexandria Ocasio-Cortez (@AOC) May 30, 2023 May 30, 2023  This is the @AOCpress tweet that Musk engaged with:  (@elonmusk/Twitter) Snopes has also fact-checked fake tweets attributed to AOC that were created image-editing software. In one such fake tweet that circulated during the COVID-19 pandemic, she allegedly urged that businesses be kept closed until after the 2020 election. In another, she allegedly called for Democrats to commence with "The Purge" (a reference to the 2013 horror film) after U.S. President Joe Biden was elected. businesses be kept closed commence with "The Purge" 2013 horror film For background, here iswhywe sometimes write about satire/humor. why Mikkelson, David. "Did AOC Tweet That Businesses Should Be Shut Down Until the Election?" Snopes, 23 June 2020, https://www.snopes.com/fact-check/aoc-businesses-closed-tweet/. Palma, Bethania. "No, AOC Didn't Tweet About 'The Purge.'" Snopes, 12 Jan. 2021, https://www.snopes.com/fact-check/fake-aoc-purge-tweet/. A popular "Did you know?"-style assertion holds that penguin mating rituals closely mimic human courtship, in that the male's finding just the right symbolic gift to present to his female of choice is of the utmost importance: When a male penguin falls in love with a female penguin, he searches the entire beach to find the perfect pebble to present her. When he finally finds it, he waddles over to her and places the pebble right in front of her. It is like a proposal.  According to the story (which can be found on multiple amusing, if not very credible, fact-based social media accounts as well in the 2007 film Good Luck, Chuck), when male penguins fall in love, they search an entire beach for the "perfect pebble." (No specific criteria determine what makes a pebble "perfect" by penguin standards, such as size or color.) After evaluating every pebble on the beach, the courting male penguin then lays the prize at the feet of his selected mate, a rite that is typically framed as an avian version of the human custom of engagement rings. Marine life theme park franchise SeaWorld maintains a virtual exhibit on penguins, part of which chronicles their mating habits. While pebbles do get a mention in that exhibit, it does not describe the stones' supposed perfection as having much to do with the process of wooing a mate: exhibit [Adlie penguins] build nests of small stones that they use to line depressions in the ground. Some chinstrap and gentoos also construct nests out of stones. The stones help keep the eggs above the surface when the rookery floods from melting snow. Adlie, gentoo, and chinstrap penguins are known to take stones from other nests. A penguin returning to the nest sometimes brings its mate a stone as a courtship gesture ... One medium-sized gentoo nest was composed of 1,700 pebbles and 70 molted tail feathers. According to SeaWorld, stones and pebbles are about as romantic as stucco or siding to various species of penguin, although they do seem to serve occasionally as practical gifts. Antarctic researcher Guillaume Dargaud (who says that he "lived with penguins for more than a year" but is "no substitute for a real ornithologist") addressed the rumor on his comprehensive page devoted to Adlie and Emperor penguins. Dargaud dismissed the rumor as a myth attached to the nest-building habits of Adlie penguins, opining that the collection of pebbles runs coincident with the mating process, but that any pebble would suffice for the purposes of mate evaluation: addressed Q: I heard that when Adelie penguins are choosing a mate the male searches for the perfect pebble and presents it to the one he wants as his mate. A: It's a myth based on the fact that Adelie penguins build nests out of pebbles. And they build the nest while they do the courting, so it's actually partly true. I guess a penguin who doesn't bring any pebble wouldn't stand a chance, but any pebble will do and both mates bring them in! We also contacted penguin expert Dyan DeNapoli for further clarification on the penguin pebble presentation rumor. DeNapoli explained that stones can play a role in the mating rites of penguins, but typically penguins aren't partial about what types of pebbles end up in their collections: Some, but not all, penguin species collect rocks for their nests. Of those that do, the purpose of the rock collecting is to build an elevated nest so the eggs and/or chicks wont get wet or drown when it rains or when the snows melt. Some penguin species collect twigs and other plant materials, and the two largest penguin species  the King and the Emperor  dont build any nest at all. They carry and incubate their single egg on top of their feet. As for the searching the beach for the perfect rock, some penguins do seem to be selective in choosing rocks, and will trot off some distance in search of the right one. Other penguins, however, are quite content stealing rocks at random from neighboring nests. Theyre not usually very selective  its done very quickly before the neighbor returns to their nest. In most instances, the males arrives at the breeding colony before the females, and begin building their nests. Once the females have arrived though, both birds will often still do some nest building and maintenance. And there does seem to be a bonding aspect of presenting the rock to the mate  it is often accompanied by head bowing and shaking, as well as vocalizing  which are all bonding behaviors. DeNapoli confirmed that rocks are frequently gifted to mates but again didn't mention the lengthy "perfect rock" search central to the penguin courtship rumor. Courtship has been observed in penguins, but typically pebble presentation is not a significant part of it: "Once a female chooses her mate, the pair will go through an important courtship ritual, in which the penguins bow, preen and call to each other. The ritual helps the birds get to know one another, and learn their respective calls so that they can always find each other." observed A 2013 Slate animal blog post examined whether the same Adlie penguins were some of the animal kingdom's most egregious sexual deviants, an observation similarly made through the lens of comparison with human habits: examined Shocking behavior isnt the sole province of marine mammals. One naturalist was so thoroughly disgusted with the sexual behaviors of Adlie penguins that his observations were hidden from view for almost a century. Known as Pygoscelis adeliae to scientists ... the Adlie penguin was one of the subjects that caught the attention of scientist George Murray Levick while he ventured to the South Pole with the 1910-13 Scott Antarctic Expedition ... the species shocked and horrified Levick so much so that his four-page report Sexual Habits of the Adlie Penguin was purposefully omitted from the official expedition findings and distributed only to a small group of researchers considered learned and discreet enough to handle the graphic content. While visiting Adlie penguins rookeries, Levick was shocked by the activities of what he called hooligan cocks. Males accosted and copulated with other males, females that were injured, chicks that had tumbled from their nests, and corpses. In desperation, some male Adlie penguins tried to mate with the ground until they ejaculated. Levick recorded these behaviors as aberrations from the norm of nature. There seems to be no crime too low for these penguins, he confided to his journal. Later researchers rediscovered what Levick had seen. Rather than being deviant, the behaviors were a regular part of penguin life, triggered by males associating a rather flexible interpretation of a females mating posture with receptiveness. As Natural History Museum, London ornithologist Douglas Russell and colleagues reported in a preface to Levicks belatedly-released report, this behavior is so ingrained that when a researcher set out a dead penguin that had been frozen in such a position, many males found the corpse irresistible. In a bit of weird field work, the same researcher found that just the frozen head of the penguin, with self-adhesive white Os for eye rings, propped upright on wire with a large rock for a body, was sufficient stimulus for males to copulate and deposit sperm on the rock. As Douglas and colleagues stressed in their preface to Levicks report, though, the behavior [displayed by hooligan males] is clearly not analogous to necrophilia in the human context. That fact can easily be lost when one is appalled by an animal acting out a human taboo. Levick was aghast because he viewed the penguins in human terms, as little gents and dames dressed to the nines, and applied sentiments about proper human behavior to the penguins (and vice versa). For if such awful displays occurred in nature, what might that say about our own actions? Slate's rehash wasn't the only less-than-romantic take on penguins' sex lives. A 1998 BBC article suggested that not all penguin partner pebble exchanges were quite so romantic: article Penguins are turning to prostitution. But instead of doing it for money, Antarctic dolly-birds are turning tricks to get rocks off their menfolk ... Stones are essential for penguins to build their nests. A shortage has led to the unorthodox tactics. "Stones are the valuable currency in penguin terms," said Dr Fiona Hunter, a researcher in the Zoology Department at Cambridge University, who has spent five years observing the birds' mating patterns ... Prostitution is described as the world's oldest profession. But Dr Hunter is convinced it is the first time it has been seen in animals. All of the female penguins Dr Hunter observed trading sex for stones had partners ... Penguins stick to the same mate, she said, but none of the males twigged what was happening. "There was no suspicion on the part of the males. Females quite often go off on their own to collect stones, so as far as the males are concerned there is no reason to suspect ... It tends to be females targeting single males, otherwise the partner female would beat the intruder up." On some occasions the prostitute penguins trick the males. They carry out the elaborate courtship ritual, which usually leads to mating. Having bagged their stone, they would then run off [Hunter] said she does not think the female penguins are doing it just for the stones. "The female only takes one or two stones ... It takes hundreds to build the nest to get their eggs off the ground. I think what they are doing is having copulation for another reason and just taking the stones as well. We don't know exactly why, but they are using the males." It's human nature to anthropomorphize animals, and penguins are no exception. However, while penguins courtships are perhaps less human than once thought, they are no less interesting for it. Penguins are often observed deviating from expected sexual norms and even purportedly trade pebbles for sexual favors, but the primary purpose of exchanging pebbles and stones between penguins involves physical construction of a nest and not "romance." And while female penguins may occasionally be picky about the nest-construction usefulness of certain proffered pebbles, that doesn't mean males regularly traverse entire beaches to ensure finding unspecified "perfect pebbles" for their beloved lady-penguins. Castro, Joseph.  "Animal Sex: How Penguins Do It."
  Live Science.  1 November 2013. Dargaud, Guillaume.  "The Penguins FAQ."
  Guillaume Dargaud.  23 June 2014. McKee, Maggie.  "Mating in a Material World."
  National Wildlife.  1 February 2005. Switek, Brian.  "Sea Otters Are Jerks. So Are Dolphins, Penguins, And Other Adorable Animals."
  Slate.  28 October 2013. BBC News.  "Pick Up A Penguin."
  26 February 1998. SeaWorld Animal InfoBooks.  "Penguins: Reproduction."
  Accessed 1 June 2016. On Jan. 14, 2021, the day after U.S. President Donald Trump was impeached for the second time and a few days before his scheduled departure from the White House, a photograph started circulating online that supposedly showed members of the Trump administration carrying a bust of Abraham Lincoln out of 1600 Pennsylvania Avenue. On social media, some people speculated that this item, and other White House artifacts, were being "looted" by the Trump family.  This is a genuine photograph of a statue being carried out of the White House, but it doesn't appear to document any "looting."   At the start of every president's term, the incoming president has the opportunity to work with the White House curator to populate 1600 Pennsylvania Avenue with various paintings, sculptures, and other artifacts. These items are often loaned to the White House from various museums and galleries. At the end of the president's term, these items are then returned.  White House curator Art.net writes: writes A 1961 act of Congress formalized the White Houses art collection, which now contains about 65,000 objects, if one counts things like utensils and glasses individually. The collection also includes around 500 paintings. When a new president arrives, the White House curators office selects new works for display in public spaces and the West Wing. The works can subtly communicate political priorities as well as personal tastes. President Ronald Reagan reportedly installed a portrait of Calvin Coolidge in the cabinet room as a nod to the importance of fiscal conservatism. When she was first lady, Hillary Clinton installed a painting by Georgia OKeeffe in the Green Room. Michelle Obama acquired a bright abstract painting by Alma Thomas, which became the first work by a female African-American artist to enter the White House collection. A new first family can also request art to decorate private spaces. Two paintings by Edward Hopper, for example, hung in the Oval Office during Obamas final term, on loan from the Whitney Museum of American Art in New York. The Independent reported that the bust of Lincoln seen in the viral photo was indeed being removed from the White House, but would be returned to a museum: reported A bust of Abraham Lincoln was also ushered out of the West Wing by the staffers  though not because it is a personal item. The statue will be returned to a museum, as incoming officials generally choose their own items from among national artefacts to decorate the White House during their term. We have not been able to independently verify this. However, Stewart McLaurin, the president of the White House Historical Association, said that there was no reason to be concerned about these viral pics. McLaurin said that all of the items on loan to the White House are carefully cataloged by the curator. McLaurin added that members of the Trump administration may have also brought personal items to the White House, which they are allowed to take with them when they leave: Stewart McLaurin In July 2021, as the pandemic-delayed 2020 Olympic games approached, an interesting tidbit about basketball, Lithuania, and the 1960s psychedelic rock band the Grateful Dead started to circulate on social media. A viral Reddit post claimed that "after the breakup of the USSR, the Lithuanian basketball team couldn't afford to participate in the 1992 Olympics, so the Grateful Dead funded the team's expenses and sent a box of tie-dyed outfits in Lithuania's national colours. They went on to win bronze."  claimed This post is generally accurate. The Grateful Dead really did sponsor Lithuania's men's basketball team, and they did provide the team with tie-dyed shirts bearing the country's national colors (yellow, green, and red), and a "Skullman" logo designed by Greg Speirs, which can be seen above. Our one quibble with this claim is that the band was not the team's sole source of funding. While the Grateful Dead did provide the team some financial support (one report states that the band wrote a $5,000 check), the band's main contribution was that it allowed the team to sell special Grateful Dead merchandise, which proved massively popular with fans at the 1992 Olympic Games.  "Skullman" logo Greg Speirs Here's a newspaper clipping from 1992 about the popularity of these shirts. According to Grateful Dead spokesman Dennis McNally, some 20,000 shirts sold in the first week. A third of the money raised went to the Lithuanian Olympic Committee, and the band got "nothing more than a good time."  28 Aug 1992, Fri The Times Recorder (Zanesville, Ohio) Newspapers.com  28 Aug 1992, Fri The Times Recorder (Zanesville, Ohio) Newspapers.com The Grateful Dead's connection with the Lithuanian basketball team started in 1992 when Sarunas Marciulionis, the team's star guard, and scout Donnie Nelson showed up at a garage in San Francisco to hear the band play. The team, which would be competing in its first Olympic games since the country declared independence from the Soviet Union a few years earlier, was seeking sponsors to fund their trip to Barcelona.  Here's an excerpt from an article published on NBCOlympics.com in 2012 (archived here): NBCOlympics.com On a cold and windy Bay Area winter day 20 years ago, Sarunas Marciulionis and Donnie Nelson, a starting guard and a scout, respectively, for the Golden State Warriors, knocked uncertainly on the door of a nondescript garage in San Francisco. The Grateful Dead is in here? Nelson thought to himself. Somebody said to enter, and so they did, metaphorical hats in hand, taking in the sights and, more vividly, the smells. "Well, there was a little pot going on," Nelson recalls today. "The Dead were trying out Beatles covers, doing stuff like 'Here Comes the Sun' and 'Hey Jude,' but they were just kind of working through things and sounding kind of nasally. Sarunas pulls me aside and says, 'Donnie, no way these guys are famous. They're terrible.'" Nelson shakes his head and smiles. "I always think back and wonder what it would be like if someone caught that scene today -- Sarunas in the Dead pot garage." The Dead had heard about the Marciulionis-Nelson crusade to raise money to enable Lithuania, Marciulionis's native land, to try to qualify for the 1992 Olympics in Barcelona. "You're all about liberty and freedom and, man, we're all about that, too, so we dig what you guys are doing," said Jerry Garcia, the Dead's leader. That's a paraphrase but, if you've ever heard Jerry (who died in 1995), it's pretty close. NBC reported that the band ended up writing the team a check for $5,000. More importantly, the band gave the team a license to use and sell special Olympics-Grateful Dead merchandise. These items were a major hit and helped the team raise funds that were then used to fund their participation in the 1996 Olympics.  Strong anti-Soviet reaction from the West helped force a treaty, but by the time Marciulionis decided that he wanted to field a team, the nation was nearly bankrupt. He donated some of the money from his $1.28 million Golden State contract, and, with the help of Nelson, whom he had tapped to be Lithuania's assistant coach, set out to raise the rest. Getting the Dead was a major coup. The band wrote a check for $5,000 but more importantly granted Lithuania the rights to sell a Dead t-shirt, a stoned-out psychedelic masterpiece splashed with Lithuania's national colors of green, red, and yellow and anchored by the Dead's skeleton symbol. Purely from a fund-raising perspective, sales of the t-shirt had more to do with the 1996 Olympics; it financed most of Lithuania's participation in the Atlanta Games. But the t-shirt became the hit of the '92 Games, more treasured than any of the merchandise bearing the likeness of Michael Jordan, Magic Johnson and Larry Bird, the stalwarts of the United States Dream Team. The shirt kept Lithuania in the news, told the story of its heroic struggle for freedom, its battle to get to Barcelona (it earned a spot through the European Olympic qualifier) and its quest for a medal. For many American basketball fans, the 1992 Olympics are probably remembered for the dominant play of the "Dream Team," the American Olympic team that featured superstars such as Michael Jordan, Magic Johnson, and Larry Bird. But the Lithuanian team made its mark as well. In 2012, a documentary was released entitled "The Other Dream Team," which followed Arvydas Sabonis and arnas Mariulionis on their somewhat psychedelic journey to a bronze medal.   Updated [1 September 2021]: Updated to credit designer of Skullman logo. Scam:  Card-skimming thieves can make fraudulent purchases with information read from RFID-enabled credit cards carried in pockets and purses.  Examples:  [Collected via e-mail, December 2010] Just received an email concerning "Credit Card Pickpocketing". It was broadcast from Memphis WREG TV.  [Collected via e-mail, October 2012] PLEASE WATCH THIS VIDEO I read this about a couple weeks ago, and then checked my cards for the little "WiFi Signal Icon" on each one.  I found none w/that signal on them, but I was determined to watch for it when my cards came in on renewals. Well, yesterday I got my CHASE SLATE card AND THERE IT WAS!  My first time to see it. I'll not activate that card after seeing this.  I guess I'll go to the bank and see if I can replace it w/a non wi fi (Radio Frequency Card)....? Thought all my contacts ought to see this if you've not already seen this demo....wow!  Origins:  In December 2010, Memphis television station WREG aired an "Electronic Pickpocketing" piece on the potential risks posed by "contactless" credit/debit/ATM cards containing embedded RFID (radio frequency identification technology) chips.  Such chips encode basic information (e.g., account numbers, expiration dates) that can be picked up by point-of-sale RFID readers, eliminating the need for cards to be physically handled or swiped.  One possible drawback to this technology is unauthorized persons might use RFID readers of their own to surreptitiously glean that same information, as demonstrated in WREG's report, which featured Walt Augustinowicz of Identity Stronghold using a card reader and a netbook computer to engage in card "skimming"  picking up account information off RFID-enabled cards carried in the pockets and purses of random passers-by on the street.  A few days after it broadcast the original "Electronic Pickpocketing" story, WREG reported the piece had gone  Electronic Pickpocketing  viral, racking up 1.2 million views in just three days. Despite all the publicity WREG's report garnered, the concept of RFID-enabled credit card theft was hardly a new one.  Various news, technical, and security  outlets have been reporting (and demonstrating) for several years the potential risk that information transmitted wirelessly by RFID-enabled cards might be picked up by eavesdropping thieves using relatively cheap equipment.  But although (as demonstrated in WREG's piece) it's certainly possible for interlopers to read pieces of information from some contactless cards under some circumstances, the extent to which this activity might be used to facilitate theft is currently difficult to gauge. reporting As the WREG report noted, representatives from the Identity Theft Resource Center said "they've never seen a case of RFID skimming used to steal information,"  but it's also the case that it would be difficult (if not impossible) for skimming victims to identify exactly how their card information had been stolen. Nonetheless, other analysts have offered reasons why they believe card skimming may not be nearly as much of a threat as some reports have made it sound:  The data streams emitted by contactless cards don't include such information as PINs and CVV (Card Verification Value) security codes  or, in newer cards,  customer names  and without those pieces of information a card skimmer should not be able to utilize the stolen card numbers to print up counterfeit cards or engage in Card Not Present (CNP) transactions: CNP None of the cards transmits the additional number on the front or back, known as the card validation code, that some businesses require for online purchases. [C]ompany representatives argued [that] the process of making purchases with the cards involves verification procedures based on powerful encryption that make each transaction unique. Most cards, they said, actually transmit a dummy number that does not match the number embossed on the card, and that number can be used only in connection with the verification "token," or a small bit of code, that is encrypted before being sent. "It's basically useless information," said David Bonalle, vice president and general manager for advanced payments at American Express. "You can't steal that data and just play it back and expect that transaction to work." However, some merchants are not assiduous about requiring extra levels of security information from their customers beyond credit card number and expiration date, and security providers contend that card skimmers can still find plenty of places to make purchases with nothing more than 16-digit account numbers and expiration dates.  Although some contactless cards can be read from as far as a few feet away, refinements to the RFID technology employed in newer cards limits their transmission range to a much smaller distance.   Although RFID-enabled cards may have originally transmitted their information in plain text, newer contactless cards are adding encryption to the data streams and thus cannot be read directly by ordinary card readers.  (Encryption requires additional processing time, however, so businesses that place a premium on speed may still eschew its use in their card processing systems.)  Card skimming generally works when the victim is carrying only a single contactless card; otherwise, the transmissions from multiple cards can create a jumbled, unintelligible stream. It remains the case that cardholders are not liable for the fraudulent use of their credit card information, but consumers who are extra cautious have the option of investing in secure sleeves that shield the RFID signals transmitted by their cards from electronic eavesdroppers. On 17 February 2016, an updated version of the rumor began making the rounds, this time accompanied by a photo of a man holding a Point of Sale (PoS) device: version   In theory, all that a thief would need to do would be to enter a price lower than 30, then tap the device against people's pockets and they would be charged. Almost all new bank cards and credit cards issued in the UK now offer the chips, which allow users to authorise small transactions without entering a PIN code. Facebook user R Jarvis claims he saw the alleged scammer at work, saying, "So this guy was spotted wandering round with a Point of Sale (POS) device. All he has to do is key in a price less than 30 and then touch the device on the pocket that contains your wallet." However, the photo that went along with this claim wasn't taken by Paul Jarvis. It appeared in an 8 February 2016 article about possible electronic pickpocketing in Russia. In any case, "electronic pickpocketing," with or without Point of Sale devices, remained rare as of 2016, but RFID sleeves for cards remained readily available for those with lingering concerns. claim article available Last updated:  17 February 2016     Sources:   Noll, Scott.  "Electronic Pickpocketing."   WREG-TV [Memphis].  3 December 2010.     Noll, Scott.  "Electronic Pickpocketing Goes Viral."   WREG-TV [Memphis].  6 December 2010.     Schwartz, John.  "Researchers See Privacy Pitfalls in No-Swipe Credit Cards."   The New York Times.  23 October 2006.     Vamosi, Robert.  "RFID-Enabled Credit Card Theft."   CNET.com.  27 October 2006.     KKCO-TV [Grand Junction, CO].  "Protecting Your Identity Against Credit Card Hackers."   15 May 2012. In July 2016, a image picturing Canadian Prime Minister Justin Trudeau was circulated with text stating that he had freed everyone imprisoned for marijuana offences and expunged their records, and that he was able to enact such a sweeping reform because Canada (unlike the U.S.) has no "prison for profit" facilities:  However, the claim originated not with a news report of any such reform act, but with an article published by the Global Sun on 3 July 2016: A press conference was held last night by The Liberal Party of Canada, on behalf of newly-elected Canadian prime minister, Justin Trudeau about future marijuana laws and regulations. 30 minutes into the conference, Trudeau announced the big news that all members of the parliament have agreed to  and that is pardoning all Canadian prisoners who have been convicted of a minor or major offence of marijuana. The Global Sun is a satirical publication that does not publish factual stories: The Global Sun is a satire website, articles/post on the website are all made-up stories and should not be taken seriously. Although Prime Minister Trudeau has not freed all those convicted of marijuana-related offences from prison, real news suggests Canada may be moving toward legalizing the drug in 2017: legalizing Canada's Liberal Party government will introduce a law next spring to legalize recreational marijuana, Health Minister Jane Philpott disclosed last week at the United Nations. She did not detail who would be allowed to grow or distribute cannabis products. Canada has a lot of options here, said RAND Drug Policy Research Center co-director Beau Kilmer. You have to pay attention to what's going to happen with the regulation and the taxes. That could really shape what happens in terms of people coming in from other countries. You have to decide whether you want to allow that. In his latest TV ad, Gov. Scott Walker rips challenger Mary Burkes attempt to attract a giant Illinois-based company to add thousands of jobs in Wisconsin when Burke ran the state Commerce Department under Democratic Gov. Jim Doyle. As Jim Doyles Commerce secretary, Mary Burke spent $12.5 million dollars to buy a vacant lot for a company that said it had no plans to create jobs in Wisconsin,the adsays. In fact, the same company had already laid off over 800 workers when Burke closed the deal. The ads kicker: Mary Burke says shell work to create jobs and spend our tax money wisely. But her record as Jim Doyles Commerce secretary tells a different story. Is Walker right about his likely Democratic opponent in the November 2014 election? Did Burke really authorize an aid package for a company that said it had no plans to create jobs here -- after massive layoffs at the firm? The Burke campaign reacted to the ad by saying: Everyone from local officials to the local chamber of commerce to Walker's own administration agrees that this was and is a good deal from an economic development standpoint. The grant contained strong protections for taxpayers if job creation goals were not met or infrastructure was not developed for economic development. Lets dig into what happened. The ad focuses on a major move by Doyle and Burke in the spring of the 2006 election year. In March 2006, they announced a $12.5 million forgivable loan funded through federal community block grant funds, the largest such award in Commerce Department history. It was to support development of 500 acres acquired in Kenosha County by global pharmaceutical maker Abbott Laboratories Inc. Abbott, a major employer of Wisconsin residents based just 15 miles south of Kenosha County, had purchased parcels of land on the Wisconsin side since June 2005 for possible expansion. Doyle and Burke sought to augment that purchase with another 40 acres paid for with the $12.5 million state award. They and local officials wanted to get the land in order to block plans for a truck stop they thought could impede development in the area. Judging by the comments of Doyle and Burke at the time -- she had full confidence 2,400 jobs would result; he welcomed the company to Wisconsin -- youd have thought Abbott had already announced its expansion in early 2006. But theJournal Sentinel reported Wednesdaythat not only did no jobs materialize, federal officials in 2013 demanded the money back. Eight years after the 2006 deal, Abbott has not developed the Kenosha County land. Abbott showed interest Did it have no plans to create jobs, as the Walker ad claims? In one sense, Abbott clearly had shown an interest in possible expansion in Wisconsin, as evidenced by the land purchases made with its own funds. The possibility was real enough for local officials in Kenosha County to actively work on working on paving the way for the firm. The company paid out $35 million for those parcels. But that solid interest fell short of an actual plan to build and start hiring. (The company, we should note, also signed a development agreement with the Village of Pleasant Prairie to develop that land. But that was a year after Burkes agency made the award). The company didnt stand alongside state officials when Doyle announced the loan in 2006. And officials said precious little about their intentions at that time. Heres a look back: Chicago Tribune story, Feb. 14, 2006:  Abbott has acquired approximately 500 acres of land in Pleasant Prairie, Wis., in anticipation of future growth and expansion, a company spokesman said. No specific plans are in place at this time for development of the property. Milwaukee Journal Sentinel story, March 3, 2006:  Abbott spokesman Jonathan Hamilton said the Wisconsin site is for future growth, without any specific plans at this time. Commerce Department newsletter, April 2006: Abbott has purchased this land in Wisconsin in anticipation of future growth and expansion, said Dale Johnson, the companys divisional vice president for State Government Affairs. We are pleased to have worked with the Governor, his staff, the Village of Pleasant Prairie and the Kenosha Area Business Alliance. Those comments made clear the company was preparing for possible expansion in Wisconsin, but had no specific plan at the moment. Feds object One media story, in the Chicago Tribune in February 2006, speculated that Abbotts Wisconsin land buys might be leverage for the company on various issues it had before Illinois lawmakers. With the uncertain timetable in mind, the Commerce Departments aid deal was long term. If in 10 years, at least 2,400 jobs were created by Abbott in Wisconsin, the loan -- actually made to the village of Pleasant Prairie, which passed the funds to Abbott -- would not have to be repaid. In theory, that means there is still time to make the expansion happen with help from the loan. But the US Housing and Urban Development office in Milwaukee demanded the $12.3 million back in 2013 saying the development project was ineligible for the block grant dollars the state had used. The reasons the federal agency cited in its decision are relevant to judging whether Abbott stated any plans to create jobs in Wisconsin. A letter from HUD to the state in August 2013 concluded that the Commerce Department had no written commitment from Abbott to develop the property or create jobs. State officials agreed to that deal at the time. The federal agency declared that Commerce participated in a speculative land banking venture without ensuring that the funded activity would be eligible. Even years later, the specific proposed use of the acquired land has not yet been identified, HUDs Sernorma Mitchell wrote to state Department of Administration Secretary Mike Huebsch. Those comments from HUD help Walkers case. Finally, the Walker ad also mentions layoffs, citing Chicago newspaper stories. Media in Illinois reported that Abbott cut at least that many jobs in Illinois in 2005 and early 2006. Our rating Walkers ad said: As Jim Doyles Commerce secretary, Mary Burke spent $12.5 million dollars to buy a vacant lot for a company that said it had no plans to create jobs in Wisconsin and had laid off 800 workers. Theres a hint of mischief in the ads language in that it can be heard to mean that Burke was so incompetent she gave money to a firm with zero interest in a Wisconsin operation. That idea is off base. But as we say at PolitiFact, words matter, and the ads claim closely mirrors what company officials said at the time of the award. And HUD officials found that even seven years later, no specific use for the land was proposed. We rate Walkers claim Mostly True. Is workforce participation lower in West Virginia than in any state? Thats what West Virginia University president Gordon Gee wrote in a recentop-ed. Gees Jan. 14 column in the State Journal newspaper was titled, An effective education system is key to West Virginias future. In the column, Gee wrote, As I often point out, our state does not have a job problem. It has a skills problem that leaves many high-paying jobs unfilled. We have the nations lowest workforce participation rate, which hovers around 50 percent, when the national average is about 63 percent. Is this claim accurate? We took a closer look. Economists say the most appropriate statistic in this case is the civilian labor force participation rate, which is calculated on a regular basis by the federal Bureau of Labor Statistics. Thestatistictakes the number of people who are employed, adds it to the number of unemployed people who are looking for work, and divides the sum by the total population that is at least 16 years of age, not serving on active duty in the military, and not institutionalized in a facility such as a prison or a long-term-care home. The most recentdataavailable from the Bureau of Labor Statistics, from December 2018, showed that West Virginia had a civilian labor force participation rate of 53.9 percent. The figure didnt deviate much throughout 2018, ranging from 53.7 percent to 54 percent depending on the month. The past five years also looked similar to 2018. The average workforce participation rate in 2018 was 53.9 percent. In 2017 it was 53.3 percent, in 2016 it was 53.1 percent, in 2015 it was 52.8 percent, and in 2014 it was 53.1 percent. He would have been a little closer using a similar, but distinct, statistic known as the employment-population ratio. This statistic takes the number of employed people and divides it by the same overall population used in the civilian labor force participation rate. In West Virginia, that was 51.2 percent in December 2018, and was close to that during 2018. So for this part of his statement, Gee was close, and he did say around 50 percent, which gives him some wiggle room. West Virginia did indeed have the lowest civilian labor force participation rate in the nation in December 2018. The next-closest state was Mississippi, with 55.8 percent. And the pattern was much the same for the rest of 2018. In fact, West Virginia has remained in the lowest spot since the U.S. Bureau of Labor Statistics began reporting the series on a consistent basis in 1976, said Brian Lego, research assistant professor at West Virginia Universitys Bureau of Business and Economic Research. Thenational civilian labor force participation ratewas 63.1 percent in December 2018, after rising from a low of 62.7 percent earlier in the year. So Gee is on target with his statement that the national rate was about 63 percent. Lego said there are a range of factors that explain the states weak performance. The big picture reasons are related to human capital deficiencies such as lack of skills needed for jobs available, he said. He also cited poor health, drug abuse, and a large number of elderly residents in West Virginia. Gee said, We have the nations lowest workforce participation rate, which hovers around 50 percent, when the national average is about 63 percent. He was very close on all three elements of the statement, and he gave himself some breathing room by using the words around and about. We rate his statement True. The holiday shopping season often spurs rumors that retailers use "disappearing ink" on receipts, making it difficult for consumers to use paid-for warranties or return unserviceable merchandise. Some rumors were more broad, involving anecdotal concerns about "disappearing ink" receipts, addressing retailers: I know you are in business to make money. I know that fraudulent returns cut into your profit margin, so you feel the need to tighten up your return policies. I am totally on board with that. BUT, could you please then stop using disappearing ink on your receipts? I just had my baby shower, and EVERY SINGLE gift receipt from your store was so faded, it was barely legible. Then, you tried to give me a hard time because your computers couldn't read the receipts, therefore making my duplicates off the registry unreturnable (but improper registry maintenance is a whole other issue.) To sum up. You require receipts? Then print legible receipts. Thank you. Others were more specific, claiming very clear timeframes30 to 45 daysand practices governed the legibility of receipt ink. Iterations of that sort asserted companies deliberately sought out to ensure that no receipts past a certain point could be used, presumably rendered void when the ink "disappeared" by design: PLEASE READ: Learned something new tonight...I guess you guys need to be made aware of (if you don't already know)...I was informed this evening after making a purchase with an extended warranty from Wal-Mart that I needed to go home and make a photo copy of the receipt and file with the warranty card. I curiously asked why and the lady told me that Wal-Mart now uses disappearing ink. My jaw dropped. So this means after 30 -45 days moving forward, you will no longer have a legible receipt from Wal-Mart for returns or warranty usage or credit card issues. Heads up guys ! This will be a problem for many ! I understand the reason they gave for this action, but it sure makes for a difficult life for the honest folks in this world.   Don't forget to take a picture of your receipts. Disappearing ink is one big snowjob, so be ready for the storm.... 30 days and presto-change o. Although the rumor was rife on Facebook, instances of it far antedated the social network. Forum posts as far back as 2003 referenced the phenomenon. 2003 However, many retailers's return policies stipulate that receipts are not the sole manner in which consumers can prove a purchase. Walmart maintains: maintains Walmart will accept a non-receipted return or exchange provided it meets the following conditions: The refund verification process accepts the return.The government issued ID must not be altered and is accepted by Walmart. To return or exchange items without a receipt, you are required to present a valid government issued photo ID. Information from the customer ID will be stored in a secured database of returns activity that Walmart uses to authorize returns. At Lowe's the policy reads, in part: the policy reads, in part In most instances, your receipt can be retrieved by using the original credit card, checking account number, MyLowe's card or by your phone number. For returns without a valid receipt, in-store credit may be issued for the items current selling price. Lost or stolen gift cards can only be replaced for the remaining balance by presenting the original receipt. Similarly, CVS notes "returns or exchanges are subject to a third-party verification process," suggesting physical paper receipts were not the sole manner in which proof of purchase was retained by the consumer or retailer. The web site CreditCards.com surveyed major retailers and reported that in addition to protections offered by issuers such as American Express and Mastercard, receipts were rarely the only recourse: notes surveyed Our survey of 12 large retailers policies regarding returning items without a receipt shows most allow it  within limits. Although a staunch no receipt, no return policy is rare, it does still happen, and there can be individual store quirks that make the return process difficult to predict. Store policies tend to be tiered, with full refunds reserved for those who meet the gold standard: They return the entire item, in its original packaging, quickly, with a receipt. The further you vary from the gold standard, the less you get back. Credit card holders may find that using their cards provides an added avenue to a refund, since some retailers will look up a credit card transaction and let you use that as proof of purchase for a return. As to how youll get your money back, its typical for stores to return it in the same way it was tendered. So if you used a credit card, expect to get the money back in the form of a credit on your cards statement. Retailers' policies stipulating for other verification measures undermined the implication receipt degradation was a deliberate action to discourage store returns. As for why receipts tended to fade (at least under certain conditions), papermaker Panda Paper Roll explained that the effect was a cost-saving measure for different reasons: explained Receipts are typically printed on thermal paper, a chemically coated paper that produces text and image when heat is applied to its surface. Since this kind of paper is susceptible to heat and UV light, extended exposure to these elements will ultimately cause gradual fading. If you are in the mood for experimenting, place a receipt that you dont need under a hot iron for about 10 seconds. The heat from the iron will change the color of paper to black. Oil and humidity are also factors to blame. Now if youre wondering why the use of thermal paper is so widespread despite this massive disadvantage, its because they are very low cost and the equipment used to print it is low maintenance, since it doesnt need ink or ribbon cartridges. That claim was echoed in a since-deleted 2014 WFLA story about "disappearing ink" receipts: story If you keep paper receipts, this could happen to you, too. That's because more retailers are using thermal paper. Heat and light fades the ink. Although it was clearly true that many receipts faded over time, the claim involving "disappearing ink" was a misnomer. Retailers' well-known reliance on thermal paper due to its cost efficient nature led to the generation of fragile receipts, particularly those exposed to heat or light. The phenomenon was real, but the cause was often misinterpreted by concerned consumers. Early iterations of the rumor also antedated the rise of online retail giants, e-receipts, smartphones with storage capabilities, and other technological advances that served effectively as a "receipt" for consumers. Behnken, Shannon.  "Sales Receipts Have Ink That Fades, Making Returns Harder."
  WFLA.  23 June 2014. Cabrera, Kristen.  "Major Retailers' 2016 Return And Receipt Policies."
  CreditCards.com.  22 December 2016. Walmart Help Center.  "No Receipt Returns In Stores Policy."
  Accessed 14 December 2017. Lowe's Service Desk.  "Returns and Refunds Policy."
  Accessed 14 December 2017. CVS.com.  "Returns Policy."
  Accessed 14 December 2017. Panda Paper Roll Company.  "Thermal Paper: Why It Fades And How To Restore It."
  Accessed 14 December 2017. Claim:  Oprah Winfrey said that restaurant customers need not tip their servers more than 10%..  Example:  [Collected via e-mail, November 2009] Did Oprah Winfrey state that, in this economy, tipping 10% is acceptable? Origins:  Leaving a relatively substantial monetary tip for the waitstaff at the conclusion of a restaurant meal is the custom in some countries, including the U.S. and Canada. A gratuity amounting to 15% to 20% of the bill is now considered the standard or minimum tip, with even more left in recognition of superlative service. It is therefore little cause for surprise that any cultural icon's public voicing of an opinion that folks should leave no more than a 10% tip would raise the hackles of many in the service industry.  And so it was with the belief that Oprah Winfrey, beloved television talk show host, had instructed members of her audience to not leave more than a 10% tip when dining in restaurants, with such rumor often coupled with a further assertion that this advice was offered in recognition of the recession's having hit everyone hard. Such belief that Oprah had said it fit  well with a widely-held stereotype that African American customers tip less than do other restaurant patrons. In September 2009 a page on the social networking site Facebook raised the false "Oprah said not to tip more than 10%" claim. Titled "1 Million Servers Strong Against Oprah's Comments," the group stated as its purpose:  Against Oprah Winfrey has recently stated on her TV show that it is acceptable to tip servers 10% in our current economy. This group is being put together to show Oprah that her comments have a crippling affect on servers all over the world. As of 4 November 2009, "1 Million Servers Strong Against Oprah's Comments" has 37,228 members. Yet the claim that has inflamed so many is false. There is no evidence in support of the assertion that Oprah Winfrey recommended her audience tip waitstaff 10%, in response to economic recession or otherwise, on her television show or in her magazine. No one has yet to turn up a video clip from her show of her supposed  tipping advice or produce a copy of an article from  O, The Oprah Magazine in which such counsel was allegedly given.  Instead, material from both those venues state that restaurant goers should tip at least 15%. While we've yet to locate a video clip or news report of Oprah herself instructing the audience to pony up with 15% or better, there are examples of invited guests on her show or columnists in her magazine saying exactly that. In the "Ending Rudeness" segment of The Oprah Winfrey Show (which aired on 9 September 2008), Steven Dublanica, author of Waiter Rant: Thanks for the Tip  Confessions of a Cynical Waiter, sat beside Oprah and, with her nodding in agreement, offered this bit of advice for restaurant goers: Rudeness Don't tip less than 15 percent Waiters are paid wages well below the minimum wage  as little as $2.15 an hour in some states  with the expectation that they will earn the majority of their income through tips. In addition, some restaurants require waiters to pay around 20 to 30 percent of their tips to food runners, hostesses and bartenders.  "If you don't tip, then that person doesn't get paid," Steven says. "Literally." Of the "10 Do's and Don'ts of Restaurant Etiquette" proffered by The Oprah Winfrey Show via oprah.com, its official web site, the first is "Tip 15 percent or more." first Likewise, the "Guide to Tipping" published in the December 2002 issue of  O, The Oprah Magazine says:  Guide to Tipping Normally, 15 to 20 percent of the total bill  20 percent for a first-class place. Note that people tip more in urban areas. According to the Zagat Survey, the average gratuity in city restaurants across the United States is about 18 percent. In response to the rumor, HarpoBear (moderator of oprah.com's message board) posted a clarificationon 8 June 2009 (and repeated periodically since then) that said: posted We'd like to respond to the concerns raised about Oprah's thoughts on tipping. The truth is that Oprah has never said that people should tip less during the recession. She believes in generously compensating waiters and waitresses. While a November 2009 Facebook page marked a resurgence of the Oprah rumor, it wasn't the first time the claim had been bruited on that venue: In December 2008 a now defunct Facebook group titled "No, Oprah, it's not OK to tip 10%" repeated the gossip. The rumor comes in two forms: that Oprah herself directed her audience never to tip more than 10% or (far less frequently) that one of her guests did. One name that has been mentioned as the identity of the guest who gave such advice is financial guru Suze Orman, as in this 19 September 2009 blog entry:  Suze Orman blog entry It has been brought to my attention that Suze Orman went onto the Oprah Winfrey show some time ago to give some sound financial advice to all the Oprah-ites who bow down to the feet of the great and powerful O. [...] She said that when it comes time to tip you should just leave 10% instead of 15%. Barbara "the ten percent dissolution" Mikkelson Last updated:  11 November 2009    Day Owen, Sarah.  "Servers at Restaurants See Dropoff in Gratuities."   Augusta Chronicle.  19 December 2008.    Ellen, Daryn.  "Guide to Tipping."   O, The Oprah Magazine.  December 2002.