The child tax credit, if we don't do it, there will be no tax relief for working families. How much tax relief working families get under tax reform is entirely dependent on whether or not we put in place an increase to the child tax credit.
The Trump administration and Senate and House leaders have revealed a framework for tax legislation that proposes tax cuts for business, a reduction in tax brackets, and the elimination of several tax breaks. What the plan means for Americans remains to be determined. But Sen. Marco Rubio, R-Fla., recently said that the amount of tax relief working families receive under the plan is entirely dependent on one thing: what happens to the child tax credit. The child tax credit, if we don't do it, there will be no tax relief for working families, Rubio said on WFLA on Oct. 15. How much tax relief working families get under tax reform is entirely dependent on whether or not we put in place an increase to the child tax credit. We wondered whether increasing the child tax credit will be the only way that working families can gain under the framework. What we found is that the child tax credit is indeed central in the current tax proposal. However, the plan is so tentative that its premature to say that will be the only way working families will see relief. Rubios team sought to back up his assertion with apress releasethat included two charts. Both charts relayed the same message: In order to help working families, a tax plan must increase the child tax credit and make the credit refundable. So in Rubios mind, expanding  not just increasing   the child tax credit is key in seeing working families prosper. The Trump-backed tax frameworkproposes increasing the creditfrom the current amount of $1,000 and raising the current income threshold at which the credit phases out. Experts agreed that expanding the child tax credit is one of the central provisions that will shape the impact that middle-income households will experience under the framework. Scott Greenberg, a senior analyst at the Tax Foundation, said the existing, $1,000 child tax credit is already quite large. Parents with children under the age of 17 are eligible for a tax credit of up to $1,000 per child. If they owe more than $1,000 in taxes, then the credit lowers their tax liability, or the total amount of tax left on their income. If parents owe less than $1,000 in taxes then the tax liability is reduced to zero. In its current form this tax credit is nonrefundable. Greenberg said that under current law, a married household with two children making $60,000 would owe about $3,733 in individual income taxes before taking the child credit into account. After taking the child credit into account, the households individual income tax burden would fall to about $1,733. (His math assumes that the household takes the standard deduction and does not claim any other major credits, exclusions, or other provisions.) Still, its not just about increasing the credit. Transforming it into a refundable credit is also important. In 2015, Rubio and Mike Lee, R-Utah, releaseda tax planthat connected the child tax credit to the payroll tax, which would have increased the refundability rate.At the time, experts were unsure whether this would have benefitted low-income families because it didnt include an expansion for them. Another reason why expanding the child tax credit is important is because the current framework eliminates the personal exemption  that is, the untaxed income pegged to the number of dependents on their return. This provision disproportionately benefits households with children. To compensate for eliminating it, the plan proposes increasing the child tax credit. It looks like theyll pay more under the current framework, but thats where the child tax credit comes into play, said Elaine Maag, a senior research associate at the Urban Institute. It does its magic and wipes away that tax liability. Its worth emphasizing that the details of the child tax credit are a work in progress. Right now, the plan does not specify how much the credit would increase or which incomes level would qualify. More broadly,little is knownabout the thresholds of new income tax brackets, which could greatly affect the distribution of benefits. From the sketchy details we have of the basic (framework), its pretty fair to say the child tax credit is key, said Edward McCaffrey, a tax law professor at the University of Southern California. As a result, the credit has emerged as one of few options available to policymakers looking to change the tax burden on middle-income households. Chris Edwards, the director of tax policy studies at the libertarian Cato Institute, bemoaned the focus on a specific tax break such as the child credit, favoring instead overall tax simplification. In that context, Edwards said, policymakers have lots of ways to cut taxes on moderate-income Americans. Maag, meanwhile, pointed to proposals outside the framework that would expand the earned income tax credit. For example, Rep. Ro Khanna, D-Calif., introduced a very large increase in that credit -- a refundable credit targeted at low-income working Americans -- that would provide benefits to low- and middle-income families Rubio said if tax reform efforts dont expand the child tax credit, there will be no tax relief for working families. Thats a bit overstated, since the tax proposal is in its early stages. That said, judging by whats in the initial framework, experts say that the child tax credit is one of the few levers that could significantly affect the size of the tax burden for middle-income households. We rate this claim Mostly True.
Seventy-three seconds into the 28 January 1986 flight of the space shuttle Challenger the craft broke apart, killing the seven astronauts aboard. Videotapes released by NASA afterwards showed that a few seconds before the disaster, an unusual plume of fire and smoke could be seen spewing from the lower section of the shuttle's right solid-fuel rocket. It was generally assumed (and NASA did little to disturb this opinion) that all aboard died the moment the external tank blew up. NASA later conceded it was likely that at least three of the crew members aboard remained conscious after the explosion, and perhaps even throughout the few minutes it took forthe crew compartment of the shuttle to fall back to Earth and slam into the Atlantic Ocean. The agency was highly secretive about matters relating to the Challenger tragedy, actively fighting in the courts media requests to be allowed access to photographs of the wreckage, the details of the settlements made with the crews' families, or the autopsy reports, and this reticence to share information likely convinced some that there was more to the story than was being told. Such an environment breeds its own rumors, and Miami Herald reporter Dennis E. Powell wrote that the crew were likely all alive and conscious until the shuttle's crew compartment plunged into the Atlantic Ocean: When the shuttle broke apart, the crew compartment did not lose pressure, at least not at once. There was an uncomfortable jolt  "A pretty good kick in the pants" is the way one investigator describes it  but it was not so severe as to cause injury. This probably accounted for the "uh oh" that was the last word heard on the flight deck tape recorder that would be recovered from the ocean floor two months later. As they were feeling the jolt, the four astronauts on the flight deck saw a bright flash and a cloud of steam. The lights went out. The intercom went dead. After a few breaths, the seven astronauts stopped getting oxygen into their helmets. Someone, apparently astronaut Ronald McNair, leaned forward and turned on the personal emergency air pack of shuttle pilot Michael Smith. The PEAP of Commander Francis Scobee was in a place where it was difficult to reach. It was not activated. Even so, if the crew compartment did not rapidly lose air pressure, Scobee would only have had to lift his mask to be able to breathe. Two other PEAPs were turned on. The three others were never found. Though the shuttle had broken to pieces, the crew compartment was intact. It stabilized in a nose-down attitude within 10 to 20 seconds, say the investigators. Even if the compartment was gradually losing pressure, those on the flight deck would certainly have remained conscious long enough to catch a glimpse of the green-brown Atlantic rushing toward them. If it lost its pressurization very slowly or remained intact until it hit the water, they were conscious and cognizant all the way down. In fact, no clear evidence was ever found that the crew cabin depressurized at all. There was certainly no sudden, catastrophic loss of air of the type that would have knocked the astronauts out within seconds. Such an event would have caused the mid-deck floor to buckle upward; that simply didn't happen. A purported transcript of the Challenger crew's final horrifying moments has circulated online for many years, supposedly taken from a "secret tape" leaked from NASA: A secret NASA tape reveals that the crew of the shuttle Challenger not only survived the explosion that ripped the vessel apart; they screamed, cried, cursed and prayed for three hellish minutes before they slammed into the Atlantic and perished on January 28, 1986. The tape is said to begin with a startled crewman screaming,"What happened? What happened? Oh God - No!" Screams and curses are heard - several crewmen begin to weep - and then others bid their families farewell. Two minutes forty-five seconds later the tape ends. That's when the shuttles crew compartment, which remained intact after the vessel exploded over the Atlantic, hit the ocean at over 2,000 miles per hour, instantly killing the crew. "Cover up? Of course there was a coverup," declared Robert Hotz, a member of the Presidential commission that investigated the disaster. "NASA can't face the fact that they put these astronauts in a situation where they didn't have adequate equipment to survive. NASA doesn't give a damn about anything but covering it's ass," he said. The official account released by NASA ends with shuttle pilot Michael Smith saying, "Uh-oh!" Some NASA employees have evidently heard more - much more. And they provided the rest of the account based on what they've discussed within NASA in the last five years. The astronauts had time and realized something was happening after the shuttle broke up. "All shuttle astronauts carry personal recorders and the tape in question apparently came from Christa's (McAuliffe), which was recovered after the shuttle disaster," said Hotz. Jarvis was sitting beside her, and when he figured out what was happening he said, "Give me your hand." "NASA insists there's nothing like that on tape but they're talking about the mission tape, not Christa's. So they're not lying, but they're not telling the truth, either." A journalist with close ties to NASA was even more emphatic, "There are persistent rumors, dating back to the disaster, that this tape is absolutely bone-chilling." The following transcript begins two seconds after NASA's official version ends, with pilot Michael Smith saying, "Uh-oh!" Times from the moment of takeoff are shown in minutes and seconds and are approximate. The sex of the speaker is indicated by M or F. T+1:15  (M)  What happened? What happened? Oh God, no - no! T+1:17  (F)  Oh dear God. T+1:18  (M)  Turn on your air pack! Turn on your air... T+1:20  (M)  Can't breathe... choking... T+1:21  (M)  Lift up your visor! T+1:22  (M/F)  (Screams.) It's hot. (Sobs.) I can't. Don't tell me... God! Do it...now... T+1:24  (M)  I told them... I told them... Dammit! Resnik don't... T+1:27  (M)  Take it easy! Move (unintelligible)... T+1:28  (F)  Don't let me die like this. Not now. Not here... T+1:31  (M)  Your arm... no... I (extended garble, static) T+1:36  (F)  I'm... passing... out... T+1:37  (M)  We're not dead yet. T+1:40  (M)  If you ever wanted (unintelligible) me a miracle... (unintelligible)... (screams) T+1:41  (M)  She's... she's... (garble) ... damn! T+1:50  (M)  Can't breathe... T+1:51  (M/F)  (screams) Jesus Christ! No! T+1:54  (M)  She's out. T+1:55  (M)  Lucky... (unintelligible). T+1:56  (M)  God. The water... we're dead! (screams) T+2:00  (F)  Goodbye (sobs)... I love you, I love you... T+2:03  (M)  Loosen up... loosen up... T+2:07  (M)  It'll just be like a ditch landing... T+2:09  (M)  That's right, think positive. T+2:11  (M)  Ditch procedure... T+2:14  (M)  No way! T+2:17  (M)  Give me your hand... T+2:19  (M)  You awake in there? I... I... T+2:29  (M)  Our Father... (unintelligible)... T+2:42  (M)  ...hallowed be Thy name... (unintelligible). T+2:57  (M)  You...over there? T+2:58  (M)  The Lord is my shepherd, I shall... not want. He maketh me to lie down in green pastures... though I walk through the valley of the shadow of death, I will fear no evil... I will dwell in the house... T+3:15 to end.  None. Static, silence. Rest in Peace However, this "transcript" originated with an article published in a February 1991 issue of Weekly World News, a tabloid famous for creating news stories out of whole cloth. There never was such a transcript, nor was the crew of the Challenger known to have been wearing personal recorders. Moreover, personal recorders would not have picked up the comments of crew members on different decks as the faked transcript would have us believe. Weekly World News Not everyone aboard died the exact second the external tank exploded; that much is known. A complete understanding of exactly what happened in that cabin after the explosion remains elusive because the impact of the crash, plus the six weeks the wreckage and bodies spent in the sea, made it impossible to determine precisely when and how everybody aboard died. (Six weeks in sea water would also have ruined any unshielded audio tapes that miraculously survived the explosion and the crash.)  If the cabin depressurized immediately, the crew would have lived about 6 to 15 seconds after the blast; if not, they might have survived for the full two minutes and forty-five seconds it took the cabin to fall 65,000 feet back to Earth. They most certainly could not have lived through the crushing 207 mph impact with the waters off the Florida coast, which negates the wilder versions of "survived astronauts" rumors that had them still alive for hours (and even days) under the sea, waiting for rescuers who could not reach them in time. Possibly the best clue towards solving the mystery of how long the doomed crew survived lies in what NASA learned from examining the four emergency air packs recovered from the wreckage. Three had been manually activated, which demonstrated that at least some of the crew realized something had gone wrong and had taken steps to save themselves. However, the fourth unactivated pack speaks with an even stronger voice, indicating that most likely realization of the circumstances and loss of consciousness were occurring at roughly the same time. That was the conclusion of Dr. Joseph Kerwin, director of Life Sciences at the Johnson Space Center in Houston. His July 1986 report was based on an official examination of the debris of the crew compartment, audio tapes and other data recorded on the shuttle, the remains of the astronauts, and photographs of the capsule as it fell after the shuttle exploded. In the report, Dr. Kerwin said: "The cause of death of the Challenger astronauts cannot be positively determined, the forces to which the crew were exposed during the orbiter breakup were probably not sufficient to cause death or serious injury, and the crew possibly, but not certainly, lost consciousness in the seconds following orbiter breakup due to in-flight loss of crew module pressure." In other words, they might well have lived for the full spiral down and might even have been fully conscious for all of that hellish descent. But even if so, this fabricated "transcript" does not preserve their final words. Jones, Alex.  "Withheld Shuttle Data: A Debate Over Privacy."
  The New York Times.  27 January 1987  (p. C1). Okie, Susan.  "Astronaut Autopsies Will Be Difficult."
  The Washington Post.  16 March 1986  (p. A14). Wilford, John Noble.  "A Grueling Autopsy for the Challenger."
  The New York Times.  9 February 1986  (p. D5). The Associated Press.  "NASA Says Challenger Crew Survived Briefly After Blast."
  The San Diego Union-Tribune.  29 July 1986  (p. A8). The Associated Press.  "Challenger Crew Made Bid for Life."
  The Record.  29 July 1986  (p. A1). "Tape Proves Doomed Shuttle Screamed, Cursed and Prayed."
  Weekly World News. 5 February 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 One of the most iconic masks to feature prominently in movie history is that worn by the crazed killer character of Michael Myers in the Halloween franchise of slasher films, the first installment of which was released in 1978. But according to rumor, this frightful face originated with a character from a very different series and medium: Captain Kirk and television's Star Trek.   The 1978 horror film Halloween was produced on a very limited budget, and director John Carpenter didn't have funds for creating a custom mask. Carpenter told the Hollywood Reporter in a 2015 interview that the movie's art director instead picked up a mask of Captain Kirk at a magic shop and applied a few alterations to it to create the iconic look of Michael Myers: interview There was a choice we had to make, because we didnt have any money to make a mask. So the art director went up to Bert Wheeler's magic shop on Hollywood Boulevard, which was right up the street from our offices, and he got two masks. One was a clown mask, and one was a Captain Kirk mask. It was supposed to be Captain Kirk. It looked nothing like William Shatner, nothing like anybody, really. It was just a strange mask, which was perfect for us. So we spray-painted it, altered the eye holes and just did a couple things with the hair  and there you had it. I like to think it's Shatner, but it's not really. Similar versions of the story have been told by other members of the crew, including Rick Sternbach, who worked as illustrator/designer on Halloween 2, and William Shatner (who portrayed Captain Kirk) himself: Sternbach's story is of particular interest because he was one of the first to transition this movie legend into a movie fact: fact I was hired as an illustrator on Halloween 2 in 1981, working for production designer J. Michael Riva. In a supply cabinet at Pumpkin Pie Productions, we had one mask left from the original Halloween and no idea where to get any others for the sequel. It appeared that we'd need to go check out some of the toy stores and such, but I noticed that there was some wording molded into the neck area. There was a model number and [the words] "Don Post Studios." I made a call, read off the model number, and the word came back "it's our Captain Kirk mask." I asked if we could buy a number of them, and was told "We'll give you a box, just give us credit." With that, I turned the official dealings over to the higher-ups. Brush with greatness. How big a deal are small businesses in West Virginia? Pretty big, according to a recent article in WVNews. Thearticle, published March 30, 2019, quoted Nikki Bowmar, a spokeswoman for the West Virginia district office of the U.S. Small Business Administration, saying that there are approximately 114,391 small businesses in West Virginia. Cumulatively, these businesses make up 99 percent of the total number of businesses in the state and employ 280,213 people  nearly 50 percent of the states workforce. Last year, a prominent West Virginia lawmaker, Democratic Sen. Joe Manchin, garbled a related talking point, saying that small businesses make up about 96% of our state's economy. PolitiFact rated that statementMostly False. Manchin was wrong because he used the term the economy, which refers to all economic output in the state. While small businesses account for nearly 99 percent of businesses in the state, small businesses only account for about half of employees in West Virginia. The other half of workers, who work for a small number of big companies, produce a disproportionate share of economic output due to their large workforces, economists told us. So did Bowmar get it more accurately? Yes, though the data is a bit old. When we contacted Bowmar, she sent us the same data release that we used when we researched Manchins statement -- theSmall Business Administration Office of Advocacys 2018 Small Business Profile. Bowmars remark in the newspaper lined up with the data in the agencys profile. The only caveat is that the data was collected in 2015. Small businesses are created and fail all the time, making the numbers somewhat volatile. Still, the data she cited is the most recent available. Bowmar said that small businesses in West Virginia make up 99 percent of the total number of businesses in the state and employ nearly 50 percent of the states workforce. Thats correct according to the most recent data from the federal Small Business Administration, though the data is a bit old. We rate it Mostly True. In February 2017, Shane Patrick Boyle started a GoFundMe campaign to raise money for "a month of insulin." A few weeks later, he died after developing diabetic ketoacidosis. Although several local outlets reported on Boyle's death at the time, it wasn't until November 2017 that Boyle's story reached many readers, thanks in part to a Facebook post from United States Sen. Bernie Sanders linking to an article in The Nation about the rising cost of insulin: several local outlets reported post The Nation We cannot call ourselves a great country as long our young people are literally dying because they cannot afford life-saving medication. This young man, Shane Patrick Boyle, died on March 18 after his GoFundMe campaign to pay for insulin came up $50 short. Something has got to change. Our job is to stand up to the greed of the pharmaceutical industry and enact policies that make prescription drugs affordable for everyonenot ones that make the CEOs of the pharmaceutical industry rich. In addition to highlighting the sad circumstances surrounding Boyle's death, The Nation also pointed to Alec Raeshawn Smith, a 26-year-old who died in June after he lost his insurance and started to ration his insulin: died Alec Raeshawn Smith, age 26, was found dead in his apartment on June 27. He was rationing his insulin after he aged out of his parents insurance coverage. The sad fact is more people would be alive today if insulin was affordable for all Americans. The deaths of Smith and Boyle and their reported struggles with health insurance were met with skepticism by some readers. Others encountered this news on social media, where it was shared with incomplete or incorrect information. For instance, comedian David Anthony conflated the deaths of these two individuals when he wrote that a 26-year-old had started a GoFundMe to get insulin: For the rest of my life I will never forget a 26 year old started a gofundme to get insulin, didnt get the amount he needed and died rationing his not costly medicine. Just before Thanksgiving.  Dave Anthony (@daveanthony) November 24, 2017 November 24, 2017  Alec Raeshawn Smith was 26 years old at the time of his death; however, we have not been able to find anything to indicate that he had set up a GoFundMe campaign to raise money for insulin. (A fundraiser was set up after his death to cover funeral costs.) Shane Patrick Boyle, on the other hand, was older when he died, and he did set up a fundraiser for medication. fundraiser Smith passed away on 27 June 2017. In his obituary, his family asked for donations to the Juvenile Diabetes Foundation, and encouraged everyone to sign a petition for affordable health care: obituary In lieu of flowers memorial donations may be given to Juvenile Diabetes Foundation, www.jdrf.org. We would also like to encourage everyone to go to www.jdrf.org and sign the Coverage 2 Control petition which will provide affordability, choice and coverage for people with Diabetes.  www.jdrf.org www.jdrf.org Boyle died of the same treatable complication that killed Smith: diabetic ketoacidosis. Before his death on 18 March 2017, he set up a GoFundMe campaign to raise money for one month of insulin:   The only archived version of this campaign is from 23 March 2017, five days after Boyle's death. Although this copy shows that Boyle had raised $1,590 of a $750 goal, it appears that the majority of this money was raised after his passing. (All eight comments were posted in the days following Boyle's death and the visible donations, more than $200, were posted within a day of its archival date.) Ted Closson, a comic book artist and friend of Boyle's, wrote that Boyle was "$50 shy of his goal" for over two weeks: wrote   A second GoFundMe campaign to raise money for a memorial for Boyle and his mother also suggests that the fundraiser was short of the $750 goal at the time of Boyle's passing (emphasis ours): campaign The world lost a wonderful man due to complications of type 1 diabetes. My cousin, Shane Boyle, put everything into taking care of his ailing mother at the expense of his own needs. Shane's mother, Judy Boyle, passed away on March 11th and we lost Shane to diabetes exactly a week later on March 18th. After his death, we learned that Shane lost his prescription benefits when he moved to Mena, Arkansas to care for his mom. We found a GoFundMe where he was trying to raise $750 to get just one more month of insulin and supplies. Unfortunately, he didn't get help in time. Shane died because he was trying to stretch out his life saving insulin to make it last longer. Shane was working hard to take care of his mother's funeral arrangements when he died. Her service had to be cancelled because of the unexpected financial burden of losing two family members in a week's time. I am hoping we can raise the funds for a combined funeral service for Shane and Judy Boyle. If we can raise more than is needed for the service, any remaining funds would go to a charity that provides insulin to diabetics like Shane. We don't want other families to suffer the pain of losing a loved one because they couldn't afford medications. Thank you for any help you can provide, even if all you can offer is a kind message or sharing a special memory. Vice also mentioned the circumstances surrounding Boyle's death in a story about the rising price of insulin. rising Long before Boyle launched a fundraising campaign, he worried about a Trump presidency's effects on the price of insulin. Immediately after the election, on 9 November 2016, Boyle wrote on Facebook (emphasis ours): wrote Facebook Last night/ this morning, I was so depressed I did not want to live in this world anymore (and as a type one diabetic, I honestly don't know how long I will live if I lose access to affordable healthcare). Today, I feel more optimistic, not because I think everything is going to be okay, but because I have seen so many of your posts, recognizing the fight that is ahead, and talking about organizing, not just sitting back and complaining or planning for the next election. Higgs, Micaela.  "The High Price of Insulin Is Literally Killing People."
  Tonic. 5 April 2017. Elliot, James.  "Alex Azar, Trumps HHS Pick, Has Already Been a Disaster for People With Diabetes."
  The Nation. 21 November 2017. Closson, Ted.  "A GoFundMe Campaign Is Not Health Insurance."
  The Nib. 25 May 2017. Glass Tire.  "RIP Shane Patrick Boyle, Founder of Zine Fest Houston."
  20 March 2017. The House of Representatives passed a 2.6 percent pay raise for all civilian federal employees in response to a government shutdown that left hundreds of thousands of federal workers either furloughed or working without pay. Some Republican lawmakers decried the move. U.S. Rep. Jason Smith, R-Mo., sent out atweetsaying, Where I come from you dont get a pay raise just for showing up to work. Today Dem leaders pushed a $5B pay raise for federal workers who are paid well above the HOUSEHOLD income in southern Missouri. Retweet if you think that money would be better spent to #SecureOurBorder. Where I come from you don't get a pay raise just for showing up to work. Today Dem leaders pushed a $5B pay raise for federal workers who are paid well above the HOUSEHOLD income in southern Missouri. Retweet if you think that money would be better spent to#SecureOurBorder On Feb. 1, Smith repeated the claim in hisWeekly Capitol Report. The raise in question matches an increase in pay for military personnel that was passed in 2019. If passed by the Senate, the bill would undo a pay freeze instituted by President Donald Trump on Dec. 28. We decided to take a closer look to see if federal workers really do make that much more than southern Missourians and if so, why. Smiths claim focuses on two different metrics  the income of an individual federal civilian employee and the income of households in southern Missouri. This distinction is important, because household income can include the wages and salaries of multiple people. Data from the U.S. Census Bureau and the Bureau of Economic Analysis supports Smiths claim that individual federal employees bring in more pay than southern Missouri households. The mean household income in Missouri is $70,144, a figure already lower than the mean income of a federal civilian worker, which is $90,811. When asked for data supporting the claim, Smiths communications director Joey Brown pointed to census data compiled by congressional district. To determine the average household income in southern Missouri, we looked at the two congressional districts that cover the states southernmost counties  districts 7 and 8. Smiths district, Congressional District 8, encompasses the southeast corner of the state, stretching from Ozark County to Jefferson County and extending into the Bootheel region. There, the mean household income is $54,393. In neighboring Congressional District 7, which covers the southwest corner of the state, the mean household income is $62,145. There are many explanations for why federal employees are paid more than the average southern Missourian household. Experts told us that any comparison should also take into account education, training, skills and experience that increase worker productivity and typically result in higher incomes. The federal governments 2.2 million civilian workers tend to be older, more educated and more concentrated in professional occupations than private-sector workers, according to the Congressional Budget Office, the nonpartisan research arm of Congress. About 51 percent of federal workers have attained at least a bachelors degree. In Smiths district, about 16 percent of constituents 25 and older have a bachelors degree, according to data from the U.S. Census Bureau and Office of Personnel Management. A report by the Congressional Budget Office that accounted for these differences found that there is a disparity between how federal and private workers are paid. But this disparity depends on levels of education. Theres very little question that the top people in government are being paid quite a bit less usually than the top people with those kinds of skills in the private sector, said University of Missouri economics professor Peter Mueser. Federal workers with a professional or doctorate degree earned roughly 24 percent less than their privately-employed counterparts. But federal workers with no more than a high school education earned 34 percent more than similar workers employed outside the federal government. Federal employees whose highest level of education was a bachelors degree earned 5 percent more. Another factor worth considering is benefits, said Iowa State University economics professor John Winters by email. In addition to salaries and wages, workers are compensated with benefits such as health insurance, retirement plans and job security. However, benefits are more difficult to quantify, because they are in part based on future predictions and less-detailed data is available on benefits than wages. The CBO study found that for federal employees whose highest level of education was a bachelors degree, benefits were 52 percent higher. Average benefits were 93 percent higher for federal employees with no more than a high school education. For employees with a doctorate or professional degree, average benefits were about the same in the two sectors. The bare bones of Smiths claim hold up to scrutiny. Federal workers do take home more in income than the average household in southern Missouri. But Smiths statement doesnt take into account differences between southern Missourians and the average federal employee that help explain income disparity, such as education. We rate this statement Mostly True. Another video seemingly offered to malign refugees started to spread online in August 2018, in this case one purportedly showing a group of dark-skinned people smashing glass cases and stealing foodstuffs froma small caf. The video bore the caption "Refugees Welcome to Spain," an apparent nod to the "Refugees Welcome" sign that was hung on Madrid City Hall a few years prior: spread Refugees Welcome   This video (the original footage can be viewed below) does not feature refugees, was not recorded in Spain, and does not depict a recent incident. This footage was actually taken in a cafeteria at Tshwane University of Technology in Pretoria, South Africa in November 2015. At the time, students at several South African Universities were engaged in protests against fee hikes and inadequate funding. The South African Independent Online (IOL) news outlet reported that 16 protesting students at two Tshwane University of Technology (TUT) campuses were arrested for the incident depicted in this video and were released the following day: reported The Gencor Hall, the main exam centre at the South campus, along with the information centre and two security vehicles, were torched. The protests started to take an ugly turn when protesting students vandalised a cafeteria at the South campus. That same day, police arrested 16 students in connection with the violence, but released them a day later. South African History Online provided the context behind that student protest: provided Student protests at public universities and colleges over financial exclusions speak directly to the issue of inadequate governmental and other funding into education in South Africa. An estimated R900-million per annum for student funding is needed for TUT to function as an institution that still works for qualifying students requiring financial aid. NFAS, a loan and bursary scheme the government introduced in 1999 to give financially poor matrics access to university education, provides only a portion of this amount to students who need financial aid at TUT. For example, in 2014, the state scheme funded half the university students that qualified for its loans and bursaries at TUT. NSFAS was still unable to fund an estimated 10 000 students across TUTs campuses who needed and qualified for financial aid in 2014, despite having obtained an additional allocation of R1-billion for that year; of which R270-million was allocated for TUT. In 2015, the situation was further exacerbated as the NSFAS allocation excluded that portion. The 2015 SRC estimated that over 20 000 returning students across the Universitys six campus regions, were excluded that year. Many of these students were funded by NSFAS in 2014, but were left out in 2015, and were not allowed to register without an upfront payment and were also barred from receiving their results without settling their debt. Students at institutions including the Vaal University of Technology, the University of Johannesburg, the University of Venda and the Walter Sisulu University were also facing similar issues around the same time. Academic activities at the university were suspended for the remainder of the school year after the protests turned violent in November 2015. YouTuber Arphalia Meyer contemporaneously posted a series of videos of the protesters looting the campus, with the video that formed the basis of the later viral "Refugees Welcome to Spain" clip being put online on 23 November 2015.  That original video was accompanied by the caption "Security cam footage of the mob looting Kantina, the tuck shop on campus at TUT PTA. It's clear enough that this was premeditated and they are no strangers to it": suspended Arphalia Meyer  This footage was taken at a University in South Africa and shows a group of students vandalizing a cafeteria amidst protests in 2015 against inadequate school funding. It has nothing to do with Spain or refugees, and it was nearly three years old when it was re-captioned and circulated online. South African History Online.  "Student Protests at Tshwane University of Technology -- Timeline."
  Retrieved 16 August 2018.  El Pais.  "'Refugees Welcome,' Reads Sign on Madrid City Hall."
  8 September 2015. Makhetha, Tankiso.  "Two TUT Campuses Shut Down."
  IOL.  24 November 2015. While the state of Florida was fleeing Hurricane Matthew on 7 October 2016, the Boston Tribune web site falsely reported that 31 people died in a massive shootout between looters and local business owners in Daytona Beach: Boston Tribune reported In the aftermath of Hurricane Matthew, estimated to be one of the most destructive and deadly hurricanes to hit the United States in decades, 31- individuals have been confirmed dead after a group of store owners within a Florida strip mall engaged in a deadly shootout with looters. The incident occurred this morning at approximately 10:00 AM when a large group of 42-looters attempted to forcefully steal from businesses at the Willow Brook shopping center located just outside of Daytona Beach, Florida. [Business owner Conner] Olsen told reporters, As a small business owner who (has) lived in Florida his entire, Im no stranger to natural disasters and the tragedy they bring. Ive gone through this before and have been looted  completely cleaned out. In our current economy my business just couldnt survive large scale theft and vandalism. My options were to fight for my business or go bankrupt  I cant feed my wife and 3 children with thoughts and prayers. According to police reports, the shootout lasted approximately 4-minutes and resulted in the deaths of 31-individuals; 12 store owners and or store employees and 19 would be looters. Chief of Police Daniel Griffin made the following statement during an afternoon press-conference, What occurred at the Willow Brook shopping center today was unnecessary and nothing short of a tragedy. During these difficult and trying times we plead with you to help your neighbors and community members. We urge you to look out for and take care of each other not rob, steal, and shoot at each other. While the effects of Hurricane Matthew are undoubtedly devastating  we are a strong community and we will get through this by working together. Although the Boston Tribune (like the Baltimore Gazette) sounds like a major city newspaper's digital counterpart, it is actually a front for known hoax purveyor Associated Media Coverage, a far older fake news site that usually spreads fabrications about laws or statutes that solely affect a specific subset of the population. A number of fellow fake or "satire" news sites feature disclaimers informing readers their articles are fabricated, but Associated Media Coverage (and the Boston Tribune) do not. Baltimore Gazette Associated Media Coverage sites The image appended to the article (reproduced above) was captioned "Florida Police Officers Arrest Store Owner After Killing Looter," but highlighted visual elements of the photograph indicate it was not taken inside the United States. Moreover, the photograph was captured as early as June 2016 and unrelated to any incidents that occurred during Hurricane Matthew or its aftermath:  Associated Media Coverage falsehoods involve laws that would be a nuisance to specific groups often targeted gun owners or motorcycle enthusiasts; those items included claims of an impending motorcycle curfew in March 2016, a motorcycle speed ban in August 2016, a FDA e-juice ban in mid-2016, a "two pet maximum" ordinance in numerous jurisdictions (leading many households to believe they would be forced to rehome beloved pets), a 50-state ban on open carry, the elimination of Wisconsin's food assistance programs, and a sweeping 23-state ban on hollow point ammunition. curfew speed ban e-juice two pet maximum open carry Wisconsin's ammunition Associated Media Coverage broadened their scope into more upsetting but entirely unfunny fake news items (like the looter shootout), which included claims someone died in a transgender bathroom controversy-related confrontation (a piece published during nationwide debate over the issue), Casey Anthony sought to open a home daycare center, a dead baby was abandoned in a Walmart DVD bin, and Jodi Arias was granted early release from prison. transgender bathroom Casey Anthony DVD bin Jodi Arias While the debate over the compromise tax agreement proposed by President Barack Obama has focused mostly on Bush's income tax cuts and whether they ought to be extended to wealthy Americans, the issue of estate taxes has also become a sticking point for some legislators.Under the plan, the estate tax rate would be set at 35 percent, with an effective exemption of $5 million.Many Republicans had hoped to do away with the estate tax altogether, and Democrats last year had proposed a higher rate: 45 percent on the value of estates over $3.5 million.The compromise has ruffled feathers on both sides of the aisle. Sen. Jim DeMint, R.-S.C., for example, said he would not support the plan because he considered the estate tax compromise a tax increase. We ruled that claimBarely True.Meanwhile, Sen. Bernie Sanders, an independent from Vermont and a self-described democratic socialist, sent out amessage via Twitteron Dec. 13, 2010, saying that under the estate tax plan, 99.7% of American families will not pay 1 nickel in an estate tax. This is not a tax on the rich, this is a tax on the very, very, very rich.According to ananalysis by the nonpartisan Tax Policy Center, Sanders is correct.The Tax Policy Center estimated that about 99.7 percent of estates were exempt from the estate tax in 2009 when the first $3.5 million of an estate was exempt. Even fewer people would be subject to the tax if the threshold is increased to $5 million, as proposed in the compromise tax plan.Under the compromise plan, less than 2/10 of 1 percent of estates would be subject to the estate tax next year, said Bob Williams of the Tax Policy Center. That means more than 99.8 percent would be completely exempt.The Tax Policy Center estimates that about 3,600 estates would be subject to the tax under the $5 million threshold. Those 3,600 estates would have to pay an estimated $11.4 billion in estate taxes under the compromise tax plan.Estate tax rates have fluctuated through modern history. In 2001, President George W. Bush signed a plan to gradually reduce the estate tax from 55 percent to 45 percent, while at the same time increasing the exemption value from $1 million in 2002 to $3.5 million in 2009. The estate tax disappeared altogether in 2010.But the Bush plan only had a 10-year window because Republicans didn't have the votes at the time to permanently abolish the estate tax. It passed the Senate under budget reconciliation, which requires only a simple majority of 51 votes but which also limited it to a 10-year shelf life. Barring a new tax agreement, the rate was set to revert next year to a 55 percent rate with an effective exemption of $1 million.Last year, Democrats proposed a plan to permanently set the estate tax rate at 2009 levels -- 45 percent on the value of estates over $3.5 million. But the plan never reached a vote in the Senate. Had that plan gone through, the Tax Policy Center estimates it would have subjected 6,460 estates to a tax (bring in an estimated $18.2 billion). If no tax plan passes, and the rate goes back to 55 percent on the value of estates over $1 million, an 43,540 estates would have to pay (bringing in an estimated $34.4 billion next year).Sanders was correct that in 2009, when the effective exemption was $3.5 million, about 99.7 percent of all estates were exempt and didn't pay anything. The compromise plan -- which would set effective exemption at $5 million -- would push the number of exempted estates even higher, so that more than 99.8 percent of estates would not pay anything. We rate Sanders' comment True. In late December 2020, a misleading online advertisement appeared to announce that Monica Lewinsky was dead and that her net worth stunned her family. It read: "Monica Lewinsky's Net Worth Stuns Her Family At Age 47. Monica Lewinsky Leaves Behind A Net Worth That Will Boggle Your Mind." appeared   However, this was not true. She is alive, and despite what the ad claimed, there was no indication in the resulting story that her net worth shocked her family. The ad was sponsored by the Therapy Joker website and was hosted on the Yahoo! Gemini advertising service. Readers who clicked the ad were led to a 430-page story with the headline: "The Biggest Hollywood Celebrities & Their Incredible Net Worth  Can You Guess Who Has The Biggest Bank Account?" Lewinsky's net worth appeared on page 417. This meant that readers had to click "Next Page" 417 times to reach the page for Lewinsky: page 417 Monica Lewinsky: Activist and TV Personality - $500,000 Monica Samille Lewinsky is a lady of many skills. This popular American television personality is also a successful fashion designer, activist, and a former intern at the White House. The papparazi constantly followed her and she was a regular face in the media during her time at the White House. However, she made up her mind to leave all that behind and went on to pursue a different career. Besides that, she has also authored the book, Monica: Her Story which added to her fame. The London School of Economics and Political Science alumni [sic] is now 47 years old and is a popular television personality. She took a lavish apartment on rent and had quite a luxurious lifestyle. Her fleet of cars includes a Mini Cooper and a Cadillac. We hope she has a professional financial advisor is coming to her aid as far as her banking is concerned. Currently, the media personality, activist, and fashion designer has retained her fame and we hope Lewinsky does the same for the money shes accumulated over the years. The page mentioned nothing about Lewinsky's purported death, nor did it present any information about her family being stunned by her net worth. The misleading advertisement and exceptionally lengthy article reflect a strategy known in the advertising world as "arbitrage." The Therapy Joker website's goal was to make more money from ads displayed on each of the 430 pages than it cost to lure readers with the initial "Monica Lewinsky's Net Worth Stuns Her Family" ad in the first place. The business and technology blog Margins defined "arbitrage" as "leveraging an inefficient set of systems to make a riskless profit, usually by buying and selling the same asset." Margins also referred to it as "the mythical free lunch that economics tells us does not exist." defined Lewinsky was a White House intern in the mid-1990s who became famous after her affair with former U.S. President Bill Clinton became a public scandal. In December 1998, Clinton was impeached by the U.S. House of Representatives. However, the Senate did not vote to convict and remove him from office. He served the remainder of his second term in the White House. impeached We previously covered similar misleading net worth stories for Sean Connery, Jaleel White, Richard Gere, Chuck Norris, Clint Eastwood, and Alex Trebek. Sean Connery Jaleel White Richard Gere Chuck Norris Clint Eastwood Alex Trebek Snopes debunks a wide range of content, and online advertisements are no exception. Misleading ads often lead to obscure websites that host lengthy slideshow articles with lots of pages. It's called advertising "arbitrage." The advertiser's goal is to make more money on ads displayed on the slideshow's pages than it cost to show the initial ad that lured them to it. Feel free to submit ads to us, and be sure to include a screenshot of the ad and the link to where the ad leads. submit ads to us