'Card Not Present' Scams
Scam:  Vendors have been duped into shipping large orders to Nigeria, only to find they've been paid with stolen credit cards.  REAL FRAUD WHICH COSTS ITS VICTIMS HUNDREDS TO THOUSANDS OF DOLLARS Origins:  Nigeria is recognized as one of the most corrupt places on Earth, having become notorious as a hotbed of international theft, chicanery, and fraud. Within that country almost no business transaction is free from the taint of bribery, and it has been estimated that seventy percent of the goods entering Nigeria are smuggled in.  This West African country gained its dubious international reputation in the 1980s after government corruption and a fall in oil prices crippled its economy. It is crushed under an estimated $30 billion debt, soaring unemployment, and galloping inflation. According to the United Nations Development Program, seven of every ten Nigerian citizens earn less than $1 a day. In this environment, chicanery has become a way of life because very little else pays nearly as well. Although the country's leaders have pledged to tackle the international fraud rings and clean up the graft that thrived during the lawless years of military dictatorships, theft has  become so much a part of Nigerian culture that those who perpetrate it do so with little fear of punishment, let alone possess any real sense of wrongdoing. Many of those Nigerians who make their living through larceny believe that if caught they need only return a part of what they've taken for the matter to be fully resolved  the concept of going to jail for having victimized others is just not a part of the thought process.  Nigerian scam artists are masters at defrauding those who live in other nations. They have been highly successful at this endeavor through the venerable Nigerian scam, and they just recently have begun scalping many via the cashier check scam. But of late they have seemingly also discovered the potential of "card not present" (CNP) credit card transactions. CNP sales offer enterprising thieves the opportunity to have the goods they are stealing shipped directly to them  all it takes are seemingly valid credit card numbers and less-than-savvy merchants to victimize. Given that Nigeria is host to a thriving black market that makes disposing of ill-gotten goods not only an easy but lucrative undertaking, CNP theft is a natural for that land's swindlers to have turned their hands to. Nigerian scam cashier check Prior to the Internet, CNP (card not present) transactions were termed MOTO (Mail Order/Telephone Order) sales. CNP sales differ from point of sale (POS) transactions in that merchants do not ever see the actual cards or the persons proffering them. Whereas charge card sales made in stores conclude with prospective buyers presenting themselves and their chargeplates to the vendors, credit card purchases made over the phone, through the Internet, or by mail are effected merely by providing the data printed on the cards. These transactions are thus far less secure undertakings for merchants to engage in, given that the information being provided can't be even somewhat confirmed by a glance at the cards, or the identities of the buyers established by having them show additional proofs of who they are.  The CNP scam works like this: A retailer is contacted by phone or through e-mail by a prospective buyer looking to purchase a largish quantity of goods with a credit card. Often these goods are to be shipped to Nigeria, with the buyer unconcerned about the tremendous cost of transporting the order. In some cases, the buyer will look to split the cost of the order across a number of credit cards.  In a number of cases, Nigerians looking to disguise their identities have taken to placing calls through relay telephone systems that had been set up to assist the deaf. (As to how that works, hearing-impaired phone users type text messages on teletypewriters [TTY]. These text messages are relayed to specialized call centers where they are converted into spoken word for the people at the other ends of the phone lines. When these other parties reply, their messages are converted into text and relayed back to the hearing-impaired users.) Such "relaying" disguises what would have been otherwise telltale accents. Also, because there is no cost for this service, Nigerians can make these calls to businesses in the U.S. without racking up international phone charges.               Only after the goods have been shipped does the seller come to the realization that the credit card used to effect the transaction was stolen. By then it is too late  the goods are gone, as is the "buyer."  Merchants have to be especially wary of fraudulent credit card purchases because they bear the financial burden of any losses so incurred. Whereas a shopper who is robbed of his chargeplate is liable for only the first $50 of charges subsequently made against it, the merchant who accepts a purloined card is left holding the bag. If a thief uses hot plastic to "buy" thousands of dollars worth of goods from an overly trusting shopkeeper, that shopkeeper is out the value whatever the thief left the store with or had shipped to him  there is no $50 cap on the seller's losses. We've grown accustomed to thinking of "businesses" as large financial entities, the sorts of mercantile behemoths that can easily weather a little theft here, a little fraud there. However, often the retailers who fall victim to this form of theft are small businesses run by single proprietors dependent on their shops' income for their livelihood. In those instances, there is no big, thick cushion of profits piled on profits, no built-in allowance for "shrinkage" (the retail term for losses due to pilferage)  the theft is a direct blow to people struggling to make a go of it. Indeed, larger businesses are less likely to fall prey to such fleecings in that their employees responsible for dealing with credit card transactions have been trained in what to look out for. In Mom 'n' Pop stores, training often amounts to only whatever instructions the person doing the hiring comes up with; if that person isn't savvy in fraud circumvention, the clerks he or she trains won't be either. Also, those operating or working for small outfits are far more likely to let desire to make sizable sales temporarily blind them to the dangers inherent to big CNP orders. Larger sales mean more in small shops, and they mean more not just to the owners but also to the employees involved because, being fewer of them, they are far more likely to benefit from the shop's success vis--vis more money being available with which to fund raises or underwrite improved incentive and benefit plans. Here is a sampling of some Nigerian-run CNP frauds that successfully scammed small businesses out of their goods:  In December 2003, an Omaha firm that made Christmas lights and decorations found itself taken to the tune of about $10,000  it had shipped goods to a buyer in Nigeria who had used a stolen card. The defrauded company became suspicious only when the buyer then looked to order American flag displays and five expensive Sony telephones, the latter not even being something the company vended.  In April 2004, a Lancaster, Pennsylvania, man who ran his own computer business was defrauded of $15,000. He filled and shipped three orders (including one for 65 ink-jet cartridges) before being asked by his customer for one hundred disc drives which the buyer planned to pay for by dividing the bill among eight credit cards. The proposed transaction raised enough of a red flag for the man to realize what had been going on. The thief had taken the added precaution of covering his tracks well: because the calls had been placed through a relay operator, they could not be traced and no voice was heard. (Such calls are typically placed by the deaf.)  In the summer of 2002, a bookstore owner in Richmond, Virginia, was duped out of $9,200 worth of goods when she accepted four orders in August and September via the Internet for a total of 270 Bibles and 31 electronic hand-held Bibles to be mailed to Nigeria. The loss put the bookstore into further financial distress  sales had been languishing before that, and the owner hadn't taken a salary since May of that year.  In April 2003, a non-profit organization in Albuquerque lost close to $1,000 in goods when it accepted a credit card charge for a large number of T-shirts. Its losses could have been far greater in that the thief was attempting to place a further 12 orders when the first theft was discovered. (Even then, the "buyer" had the gall to call the non-profit to insist the bad credit card number was simply a mistake.) Sometimes those looking to move stolen merchandise to Nigeria do so by way of having the goods first shipped to U.S. addresses before being repackaged for transit to their final destination of the black market in Nigeria. They position innocent parties in the U.S. to act as temporary guardians of the incoming bounty, an act that gives vendors the false security of their goods being delivered to American addresses (from which they would assume they could be reclaimed if anything went wrong with the sale). Those desperate to make a bit of money will find themselves approached by Nigerians who will claim they are in the business of provisioning shops in that faraway land, but that their having to ship items piecemeal is killing their bottom line because the freight charges are murder. Would the dupe consent to their using his house as a central collection point where they could assemble their various purchases into one super shipment, or even doing the repackaging and shipping on their behalf? But of course they would be willing to pay a fee for the use of the premises for as long as their consignments were taking up space and to recompense him for his trouble. The best such unwitting dupes can hope for are understanding police officers, in that sooner or later the boys in blue are bound to come knocking as one defrauded vendor after another reports having shipped goods to that address. In a worse scenario, those whose homes are being used as way stations will be assumed to have been in on the racket and will find themselves charged with receiving stolen goods:   In January 2004, a Mishawaka, Indiana, man fell in with such a scheme, storing items for a Nigerian woman who had convinced him she was starting up a business in her land and needed him to serve as a central collection point for her purchases prior to mailing them to her. The dupe met the woman (known only as "Brown Sugar") in an Internet chat room. Computer company Hewlett-Packard twigged police to what was going on after two computers bought from it with stolen cards showed up as having been shipped to the Mishawaka man's address. Police recovered DVD players, cameras, boots, clothing, and herbal and sexual supplements from the man's home. No charges were laid against the man because the investigation into the matter showed him to be a victim, not one of the perpetrators.  In July 2003, 42-year-old Leonett G. Knoll of Albany, New York, was charged with receiving stolen property after police discovered $50,000 worth of purloined goods at his house that he was preparing to ship to a confederate in Nigeria. Like the unnamed Mishawaka man, he too had been befriended in a chat room and persuaded to serve as a collection point for items to be freighted to Nigeria.  In February 2003, a New Hampshire couple were arrested after local police and U.S. Postal inspectors found a large amount of stolen merchandise in their home that they intended to reship to Nigeria.  A December 2003 news story out of Anchorage, Alaska, reports that at least two people in that city were roped into becoming receivers of stolen goods via a newspaper ad looking for folks interested in making money at home using the Internet. On the promise of being paid later by check, these folks received goods from local companies and shipped them off to Nigeria, only long afterwards realizing they'd been part of a crime. Most of the time those who are using stolen credit cards to move goods to Nigeria are operating from that distant land and thus lie well outside the grasp of U.S. law enforcement. It is the sad reality of such thefts and frauds that they go unpunished because their perpetrators are safe in another jurisdiction. But sometimes the perpetrators make the mistake of operating where American justice can get its hooks into them. In March 2003, 19-year-old Ikemefuna Iwunoh was arrested in Wichita on federal charges for his part in such thefts. The young man had been part of a group of Nigerian nationals who had hacked into computer systems to steal credit card numbers from across the country and had used some of the numbers so collected to order a variety of goods delivered to his home (for later reshipment to Nigeria, where they would fetch double their value on the black market). Some days as many as 40 boxes (containing computers, printers, shoes, and clothing) were delivered to his door. Three others in Pittsburgh were charged along with Iwunoh: Itobore Oshobe, 24; Ote Kadana, 23; and Andrew Ikepeme, 19. Investigators estimated that the apartment in Wichita was the base for about $100,000 in fraudulent charges between August 2002 and March 2003.  Barbara "charge of the light-fingered brigade" Mikkelson How To Avoid Falling Victim To CNP Scams: Always keep in mind that electronic approval of a credit card vets only that the charge account itself is valid; it does not guarantee that the person presenting it to you is its legitimate holder. Verify with the issuer that the card has not been reported stolen before proceeding with any large order.   Be wary of any CNP transactions (Internet, mail, telephone order) where one or more of the following indicators are present:  Larger than normal orders. Orders placed where card numbers used are similar and/or sequential. Orders going to international addresses. Orders consisting of several of the same item. Many orders shipped to a single address. Orders shipped rush or overnight. Orders originating from free e-mail addresses. Orders where the "ship to" and "bill to" addresses are different. Orders with requests that costs be split on one card or across several cards.  When faced with a suspect order, verify the customer's billing address, either electronically or by an automated phone system via accessing an Address Verification System (AVS).   Turn down orders which involve shipping goods to Nigeria.   Stop believing in the chimera of "something for nothing."  Additional Information:       Foiling Credit Card Fraud   (Bankrate.com)   Last updated:  11 July 2011    Johnson, May Lee.  "Internet Fraud Reported."   South Bend Tribune.  10 January 2004  (p. A1).     Jordon, Steve.  "Nigerian Scam Fools Omaha Firm."   Omaha World Herald.  12 December 2003  (p. B1).     King, Ronette.  "Scams Thrive on Corruption, Rampant Poverty."   [New Orleans] Times-Picayune.  9 June 1996  (p. F1).     Murphy, John.  "Reform in a Country of Cons."   The Baltimore Sun.  20 February 2004  (p. A2).     Tsong, Nicole.  "Internet Scammers Succeed in Schemes Duping Alaskans."   Anchorage Daily News.  15 December 2003  (p. B1).     Albuquerque Journal.  "AG Warms of Net Scam."   10 April 2003  (Business Outlook, p. 20).     Associated Press.  "Former Community College Student Arrested in Black-Market Scam."   7 March 2003.     Associated Press.  "Arrests in Wichita and Pittsburgh in Credit Card Scam."   7 March 2003.     Lancaster New Era.  "Business Here Loses $15,000 in Scam."   5 April 2004  (p. B1).     The [Albany] Times Union.  "Cops Link Scam, Web, Nigeria."   25 July 2003  (p. B14).     WMAQ-TV, Chicago.  "Caller Gives Two Credit Card Numbers."   26 April 2004.
OK folks, we don't often get serious but this is important. Little Kyron Horman has been missing and his mother just put up this billboard in WA state.... please share everyone... please! This boy needs to be home with his Momma :(((  As noted on the web site of National Center for Missing & Exploited Children, Kyron Richard Horman, then seven years old, went missing from his Portland, Oregon, home back in June 2010: Kyron Richard Horman He was last seen at school on June 4, 2010. Kyron was last seen wearing a black t-shirt with "CSI" in green letters and a handprint graphic. He was also wearing black cargo pants, white socks, and black Sketchers sneakers with orange trim. Kyron may wear glasses. More than two years later, this missing child case was brought to widespread public attention in conjunction with legal maneuvering, in which a $10 million lawsuit was brough by Kyron's biological mother, Desiree Young, which sought to compel Kyron's stepmother, Terri Horman, to either return Kyron or provide information about what had happened to him: More than two-years after 6-year-old Oregon boy Kyron Horman disappeared, the boy's stepmother is asking a judge to delay hearing a civil suit that says she knows the child's location.  The lawsuit was filed against Terri Horman by Kyron's biological mother, Desiree Young, asking the judge to order the stepmother to return Kyron or, if he's dead, say where his remains are located. The lawsuit also seeks $10 million. Terri Horman says in a brief that a criminal investigation is under way, and the civil suit should be stayed two years while it plays out. Investigators have long focused on Terri Horman, although they have not named her as a suspect or filed criminal charges. The lawsuit accuses her of kidnapping Kyron, by herself or with help. The boy was reportedly last seen on the morning of June 4, 2010 at Skyline Elementary School in Portland, where his stepmother had taken him for a science fair. Five years on, Kyron's case was still being actively pursued by law enforcement, friends, and family: As the five-year anniversary of Kyron Horman's disappearance approaches, The Multnomah County Sheriff's Office wants the public to know the search is still active. Friends and family members said they plan to put together another search effort this summer. But Lt. Steve Alexander said the sheriff's office had to date received more than 4,000 tips in the case. And he said the investigation is definitely still active. "A full time sheriff's office detective is primarily assigned to the Kyron Horman missing child investigation, and efforts to locate Kyron," Alexander said. "Additionally, a now-retired FBI Agent with years of experience in the Child Abduction Rapid Deployment teams continues his involvement in this case, reviewing the evidence amassed by investigators." He said tips in the case come in from all over the world nearly every day. Kyron's stepmother Terri Horman, whom a judge described as a prime suspect in her stepson's disappearance, has twice tried to change her name, and in January 2016 she was reported to have moved out of Oregon to California: The stepmother of missing Portland boy Kyron Horman has moved out of Oregon. In October [2015], Terri Horman changed her Oregon driver's license to an address in Sacramento, California. In August 2014, Terri Horman tried to change her name to Claire Stella Sullivan.  During a court hearing, Horman said she wanted a new name to "start over a new life without the stigma of Horman attached to it."  A Douglas County judge denied that request. Four months later, Horman applied for another name change in Lane County.  She wanted to change her name to Claire Kisiel, but later withdrew the request In a 20 January 2016 interview with People magazine, Terri Horman asserted she had nothing to do with Kyron's disappearance: Terri has never been named a suspect or a person of interest in the case surrounding Kyron's disappearance, which officials for the Multnomah County Sheriff's Department say is an "ongoing investigation."  Still, a cloud of suspicion has followed Terri, and she's ready to answer questions that people have wanted to know. Terri [says] she did not harm or kill Kyron and has no idea what happened to him or where he is.  "The answer is what I've said a hundred times  I don't know." A Facebook group has been established to help disseminate information about Kyron and raise funds for ongoing search efforts. Facebook Leibowitz, Barry.  "Kyron Horman's Stepmom Wants Delay in Lawsuit."
  CBSNews.com  25 July 2012. Criminals, beware. Just because you got away with an illegal activity doesnt mean the IRS isnt going to come after your earnings. Thats because just ahead of the 2021 tax season, the IRS released guidelines that required taxpayers claim items they have stolen, as well as earnings from illegal activities.  The claim made headlines in publications that joked potential criminals were running out of time to return stolen goods to avoid paying taxes on them. And went viral when the financial Twitter account @litquidity took to social media to remind taxpayers that tax szn is around the corner.  publications joked running out of time  And its true. Publication 17, which contains the IRS general rules for filing federal income tax returns, lists illegal activities under other income  categorized as self-employment activity  required to be reported to the federal tax agency.  Publication 17 general rules  Screengrab/IRS Publication 17  IRS Publication 17   "Income from illegal activities, such as money from dealing illegal drugs, must be included in your income on Schedule 1 (Form 1040), line 8z, or on Schedule C (Form 1040) if from your self-employment activity," read the 2021 the IRS guidelines. The guidelines also require that those who steal property must report fair market value as income in the year that the item was stolen. Of course, one can avoid paying taxes on such items so long as the person returns them to the person they were stolen from in the first place.   Screengrab/IRS Publication 17  IRS Publication 17   The handy regulations also list how to report embezzled funds, notes that bribes are considered nondeductible expenses, and notes that kickbacks, side commissions, and push money must also be included in the Schedule 1 (Form 1040), line 8z, or on Schedule C (Form 1040) if from self-employment activity. Its not just items or earnings obtained through illegal activities. That watch you found in the gym locker room? Yep, its taxable.  If you find and keep property that doesnt belong to you that has been lost or abandoned (treasure trove), its taxable to you at its fair market value in the first year its your undisputed possession, noted the IRS. Snopes spoke with an accountant who said that while the reporting requirements themselves aren't new, there was previously a separate form specifically for reporting illegal activity income. It's unclear to what extent people actually used the form in the past. Its not exactly clear whether law enforcement will be given information about individuals who report income from illegal activities. What is clear is that anyone under the age of 65 who made more than $12,550 in 2021 is required to file by April 18, 2022.  Sources Dolan, Debra. Time Is Running out to Return Stolen Goods to Avoid Paying Taxes on Them. Https://Www.Wdbj7.Com, https://www.wdbj7.com/2021/12/29/time-is-running-out-return-stolen-goods-avoid-paying-taxes-them/. Accessed 30 Dec. 2021. IRS Asks That Criminals Provide Its Cut of Stolen Property, Illegal Income. KXXV, 29 Dec. 2021, https://www.kxxv.com/news/local-news/irs-asks-that-criminals-provide-its-cut-of-stolen-property-illegal-income. Publication 17 (2021), Your Federal Income Tax | Internal Revenue Service. https://www.irs.gov/publications/p17. Accessed 30 Dec. 2021. Stole Something? IRS Says Stolen Property and Bribes Must Be Reported as Income. Usatoday, https://www.usatoday.com/story/money/2021/12/28/irs-says-stolen-property-must-reported-and-twitter-goes-wild/9035694002/. Accessed 30 Dec. 2021. An image macro purportedly showing two statements, one from former President Obama at the National Prayer Breakfast in 2016 and the other from President Trump at the same event the following year, was circulated on social media in February 2017:  The quotes depicted in the image margo are largely accurate, although President Trump's remarks were edited together from a few different portions of his speech. President Obama's speech at the 2016 National Prayer Breakfast is archived at ObamaWhiteHouse.Archive.Gov. The relevant portion of his speech can be seen at around the 1:50 mark of the following video, and we've reproduced the relevant text portion below (the bolded text was omitted from above-displayed graphic): ObamaWhiteHouse.Archive.Gov And on this occasion, I always enjoy reflecting on a piece of scripture thats been meaningful to me or otherwise sustained me throughout the year. And lately, Ive been thinking and praying on a verse from Second Timothy: For God has not given us a spirit of fear, but of power and of love and of a sound mind. For God has not given us a spirit of fear, but of power and of love and of a sound mind. President Trump's 2017 National Prayer Breakfast speech was also archived by the White House. The above-displayed image macro condensed a larger portion of President Trump's speech into a brief paragraph. The entire speech can be seen in the following video, and we've reproduced the relevant text portion below (bolded text was omitted from above-displayed graphic): archived Thank you as well to Senate Chaplain Barry Black for his moving words. And I don't know, Chaplain, whether or not thats an appointed position. Is that an appointed position? I dont even know if youre a Democrat or if youre a Republican, but Im appointing you for another year  the hell with it. (Laughter and applause.) And I think its not even my appointment, its the Senates appointment, but well talk to them. Your son is here. Your job is very, very secure, okay? (Laughter.) Thank you, Barry. Appreciate it very much. I also want to thank my great friends, though, Roma. Wheres Roma? Beautiful Roma Downey. The voice of an angel. Shes got the voice  every time I hear it, that voice is so beautiful. Everything is so beautiful about Roma, including her husband because hes a special, special friend, Mark Burnett  for the wonderful introduction. So true. So true. I said to the agent, Im sorry. The only thing more  I actually got on the phone and fired him myself because he said, you dont want to do it, itll never work, itll never, ever work. You dont want to do it. I said, listen  but I really fired him after it became the number-one show. It became so successful, and he wanted a commission, and he didnt want to do it. Thats what I really said. (Laughter.) But we had tremendous success on "The Apprentice." And when I ran for President, I had to leave the show. Thats when I knew for sure I was doing it. And they hired a big, big movie star  Arnold Schwarzenegger  to take my place. And we know how that turned out. (Laughter.) The ratings went right down the tubes. Its been a total disaster. And Mark will never, ever bet against Trump again. And I want to just pray for Arnold, if we can, for those ratings, okay? (Laughter.) The gist of this image macro was that President Obama's speech focused on scripture while President Trump's speech focused on TV ratings, but President Trump did talk about other subjects  including the death of a U.S. Navy SEAL in Yemen  and quote a piece of scripture (John 15:13) during his remarks: No one has inspired me more in my travels than the families of the United States military, men and women who have put their lives on the line every day for their country and their countrymen. I just came back yesterday from Dover Air Force Base to join the family of Chief William Ryan Owens, as Americas fallen hero was returned home. Very, very sad, but very, very beautiful. Very, very beautiful. His family was there. Incredible family, loved him so much. So devastated  he was so devastated. But the ceremony was amazing. He died in defense of our nation. He gave his life in defense of our people. Our debt to him and our debt to his family is eternal and everlasting. Greater love hath no man than this: that a man lay down his life for his friends. We will never forget the men and women who wear the uniform, believe me. (Applause.) Thank you. From generation to generation, their vigilance has kept our liberty alive. Our freedom is won by their sacrifice, and our security has been earned with their sweat and blood and tears. God has blessed this land to give us such incredible heroes and patriots. They are very, very special, and we are going to take care of them. (Applause.) One could cherry-pick other portions of both speeches to create the impression that both Presidents Trump and Obama had focused equally on scripture during their remarks:  Trump, Donald.  "Remarks by President Trump at National Prayer Breakfast."
  The White House.  2 February 2017. Obama, Barack.  "Remarks by the President at National Prayer Breakfast."
  The White House.  4 February 2016. In mid-November 2015, a photograph purportedly showing what resemble common ladybugs and Japanese beetles embedded on the roof of a dog's mouth began circulating via Facebook:   Most of the users who shared the above-displayed image on Facebook included a variation of the following message: SOMEBODY ASKED ME TO PASS THIS ALONG .... Japanese Beetles and Lady Bugs can attach to the roof of your dog's mouth, and make him/HER become ill. Symptoms include excessive drooling. Check your dog's mouth and remove any insects. While we haven't been able to identify who the "Somebody" is in the above-quoted Facebook post, a message posted by the Hands & Paws group did provide some information about the image's origin: provide This posted photograph is recent  posted by a vet tech and when I saw the photo started doing research - because I too thought there was no way the photo could be real. There is no photoshop  there is no hidden agenda. It's just me. The Founder of a tiny little dog rescue in Florida finding the photo and the facts behind the photo amazing, astonishing and wanted to share the information with my fellow dog lovers. We reached out to Hands & Paws for more information about the image without results, but multiple incidents are on record of beetles embedding in dogs' mouths, such as this one from November 2016: this one Frances Jiriks brought her pooch Bailey into Hoisington Veterinary Hospital after he refused to eat, she told KAKE. He was also foaming at the mouth and a bit lethargic, the dog owner said. When they arrived at the animal clinic, Dr. Lindsay Mitchell discovered between 30 and 40 lady beetles clinging to the roof of Baileys mouth. The beetles look nearly identical to ladybugs though they secrete a mucus which allows them to stick, as they did inside Baileys mouth. The bugs were successfully removed from the dogs mouth, but Mitchell warned their presence could pose a variety of health risks to mans best friend. [Video here] Video here In 2008, Lindsey Derek published an article in the journal Toxicon about the subject: article A six-year old mixed-breed dog presented with severe trauma to the oral mucosa suggestive of chemical burn. Sixteen Harmonia axyridis (Coccinellidae) were removed from the oral cavity, which revealed trauma consistent with chemical burn. The beetles had become embedded in mucosa covering the hard palate and required manual removal. A diagnosis of beetle-induced chemical burn was warranted and consistent with the nature of the chemical constituents of H. axyridis hemolymph. That article also included a photograph of the beetles in the dog's mouth, which closely resembled the image circulated in November 2015:   KAKE-TV [Wichita].  "Lady Beetles Causing Problems for Pet Owners."
  19 October 2016. Schladebeck, Jessica.  "Photo of Kansas Dog with Mouth Full of Asian Lady Beetles Illustrates Health Issue for Pups."
  [New York] Daily News.  4 November 2016. Stocks, Ian C. and Derek E.Lindsey  "Acute Corrosion of the Oral Mucosa in a Dog Due to Ingestion of Multicolored Asian Lady Beetles."
  Toxicon.  10 May 2008. On 14 March 2017, Sen. Bernie Sanders' (I-VT) office posted an image on his Facebook page criticizing the lack of federally-funded family leave in the U.S. by highlighting how similar policies are implemented in three other countries: Facebook   Sanders, who ran for the Democratic Party's 2016 presidential nomination, expressed support for a federal family leave program in the U.S., as stated on his campaign website: stated In my view, every worker in America should be guaranteed at least twelve weeks of paid family and medical leave. Thats why I am a proud cosponsor of the FAMILY Act, introduced by Senator [Kirsten] Gillibrand, which does just that. Under this measure, every employee would receive twelve weeks of paid family and medical leave: to take care of a baby, to help a family member who has been diagnosed with cancer or another serious medical condition, or to care for themselves if they become seriously ill. This would be funded through an insurance program, like Social Security. Workers would pay into it with every paycheck, at the price of roughly one cup of coffee per week. There is no reason not to pass this bill now. His office's claim that the U.S. and Papua New Guinea are alone "out of 188 countries" in lacking federal family leave programs is based on a 2015 study by the International Labour Organization (ILO) reporting that statistic. Sanders' post was also accompanied by an image listing individual claims about parental leave policies in Canada, Germany, and Norway.  study Canada allows parents to take 35 weeks' worth of leave while still receiving up to 55 percent of their regular salaries. The country's paid leave benefits are applied as part of its employment insurance (EI) program, which states: program For most people, the basic rate for calculating EI benefits is 55% of your average insurable weekly earnings, up to a maximum amount. As of January 1, 2017, the maximum yearly insurable earnings amount is $51,300. This means that you can receive a maximum amount of $543 per week. While parents can divide the 35 weeks of leave between themselves, mothers can take an additional 15 weeks as part of the program:  EI maternity benefits can be paid for a maximum period of 15 weeks. You cannot receive EI maternity benefits beyond 17 weeks after the expected or actual week of childbirth, whichever of the two is later. EI parental benefits can be paid for a maximum period of 35 weeks. The payments must be made within 52 weeks of the week your child was born or the week your child was placed with you for adoption. Parents seeking to take the paid leave must also meet criteria regarding length of employment, and while parental benefits are open to "biological, adoptive, or legally recognized parents while they are caring for their newborn or newly adopted child," maternity benefits are only available to a child's biological mother: To be eligible for EI maternity benefits, you must have accumulated at least 600 hours of insurable employment in your qualifying period. If you are a self-employed fisher, you must have earned $3,760 from fishing during the 31-week qualifying period immediately before the start of your benefit period. To be eligible for EI parental benefits, each parent who applies for benefits must have accumulated at least 600 hours of insurable employment in his or her qualifying period. If you are a self-employed fisher, you must have earned $3,760 from fishing during the 31-week qualifying period immediately before the start of your benefit period. In Norway, as Sanders' office stated, parents may take 49 weeks of parental leave while receiving 100 percent of their pay. But the Norwegian government's web site also notes that parents have another option that provides lesser coverage for a longer period of time: notes When you apply for parental benefit, you must choose between 100 percent or 80 percent degree of coverage The total benefit period for parental benefit in the case of a birth, is 49 weeks at 100 percent coverage, and 59 weeks at 80 percent coverage. The parents must choose the same degree of coverage. Expectant mothers are also required to use three of their benefit weeks prior to their child's birth and can start using their benefits up to 12 weeks before the child's due date, though only nine of those weeks would be withdrawn from their accrued leave time.  Adoptive parents also have two options: take 46 weeks off while receiving 100 percent of their pay, or take 56 weeks off at 80 percent of their pay. In Germany, there are two ways to take parental leave, one of which is mentioned in the post by Sanders' office: parents can each take between two and 12 months off while receiving "two-thirds of [their] previous income." Benefits range from at least 300 Euros a month to a maximum of 1,800 Euros a month. (Unemployed parents are also eligible for the benefits program.) receiving Parents who are already employed are each protected from losing their jobs while utilizing their family leave. However, parents taking the time off together can extend their benefits period to 14 months. Additionally, parents who participate in the "ElterngeldPlus" program can also add four months to their leaves if they each work up to 30 hours a week during their benefit period.  Parents seeking to take part in Germany's parental leave program must submit applications to their employer (if applicable) at least seven weeks before they intend to start taking the time off. Additionally, as of 1 July 2015 parents are eligible for up to 24 months of parental leave if their children are between the ages of two and seven.   Government of Canada.  "Employment Insurance Maternity and Parental Benefits." 
  Accessed 16 March 2017. Norwegian Labour and Welfare Administration.  "Parental Benefit." 
  19 July 2013. [Danish] Federal Office for Migration and Refugees.  "Parental Allowance and Parental Leave."
   Accessed 16 March 2017. International Labour Organization.  "Social Protection for Maternity: Key Policy Trends and Statistics." 
  2015.  Sanders, Bernie.  "Real Family Values." 
  berniesanders.com. Memesclaiming that former President Ronald Reagan continued his golf vacation after nearly300 people were killed in an attack in Beirut in 1983 are frequently circulatedon Facebook:      The above-displayed memes have been circulating for several years, but they regained popularity in March 2016 as President Obama was criticized for remaining in Cuba (where he was making a state visit) after 31 people were killed during terrorist bombings in Brussels, Belgium. criticized While these images correctly reflect that Ronald Reagan was on vacation when a suicide bomber crashed a truck full of explosives into an airport building that was being used as barracks for U.S. Marines in Beirut, Lebanon, on 23 October 1983 (killing 241 American servicemen), the former president did not continue his golf vacation after receiving the news.The first image showing Reagan on the golf course was taken the day before the bombing, not the day after: before President Reagan playing golf at the Augusta National Golf Club. 10/22/83. An article published by theNew York Timesthe day after the attack also noted that Reagan cut his vacation short to return to the White House: noted "There are no words that can express our sorrow and grief over the loss of those splendid young men and the injury to so many others,'' the President said gravely this morning, standing in the rain outside the White House after a hurried return from a golfing weekend in Augusta, Ga. The second photo displayed abovewas also taken the day before the Beirut bombings: before President Ronald Reagan, clad in pajamas and bathrobe, talking on telephone to Robert McFarlane and Secretary of State George Shultz, re urgent request from five members of Eastern Carribbean States on the situation in Grenada. However, the former president wasn't always necessarily quickto react after deadlyinternational incidents. After a Korean airliner was shot down by the Soviet Union on 1 September 1983, President Reagan remained at his ranch in Santa Barbara: remained At this point, (White House spokesman Larry Speakes) Speakes was interrupted and asked if Reagan was going back to Washington. He ignored the question and read a statement on the Middle East. Asked again if Reagan was going back to Washington, Speakes answered, "There are no plans for the president to return to Washington earlier than anticipated." Speakes walked away from the podium and then came back to take questions. He announced, as he does every day in California, what Reagan intended to do that day: "The president, as usual, is planning at horseback ride this morning and will generally work around the ranch in the afternoon. The weather there is as it is here, sunny and warm." Thesememes are based on an assumption that a U.S. president has to react immediately to breaking news of a violent incident or crisis by returning to the nation's capital, even when such an action does not facilitate the handling of the situation. When President Obama was criticized in 2014 for his reaction toMalaysian Airlines Flight 17 being shot down (reportedly by pro-Russian insurgents), reporter ChrisWallace noted that sometimes, "the best thing presidents can do is nothing": criticized I know there's like an immediate reaction, that you want to say he should have run back to Washington and gone back to the Situation Room. I know that a lot of folks at Fox here are saying that. As somebody who covered the White House and saw for six years Ronald Reagan in various situations, sometimes the best thing presidents can do is nothing, to continue on. If he had gone back to Washington and gone to the situation room  first of all, there's not much he can do, we're not in control of the situation. And it would have dialed it up. I was covering Ronald Reagan at that time [i.e., when the Korean airliner was shot down].He was in Santa Barbara at his ranch when that happened, and quite frankly he didn't want to leave. And his advisers realized how terrible this looked, and eventually persuaded him he had to fly back to Washington and had to give this speech to the nation, but it did take him four days. Claim:  An employer issued a missive to his employees stating that any additional taxes on his business would result in his shutting the company down. LEGEND Example:  [Collected via e-mail, November 2008] To All My Valued Employees, There have been some rumblings around the office about the future of this company, and more specifically, your job. As you know, the economy has changed for the worse and presents many challenges. However, the good news is this: The economy doesn't pose a threat to your job. What does threaten your job however, is the changing political landscape in this country. Of course, as your employer, I am forbidden to tell you whom to vote for - it is against the law to discriminate based on political affiliation, race, creed, religion, etc. Please vote who you think will serve your interests the best. However, let me tell you some little tidbits of fact which might help you decide what is in your best interest. First, while it is easy to spew rhetoric that casts employers against employees, you have to understand that for every business owner there is a back story. This back story is often neglected and overshadowed by what you see and hear. Sure, you see me park my Mercedes outside. You've seen my big home at last years Christmas party. I'm sure all these flashy icons of luxury conjure up some idealized thoughts about my life. However, what you don't see is the back story. I started this company 12 years ago. At that time, I lived in a 300 square foot studio apartment for 3 years. My entire living space was converted into an office so I could put forth 100% effort into building a company, which by the way, would eventually employ you. My diet consisted of Ramen Pride noodles because every dollar I spent went back into this company. I drove a rusty Toyota Corolla with a defective transmission. I didn't have time to date. Often times, I stayed home on weekends, while my friends went out drinking and partying. In fact, I was married to my business  hard work, discipline, and sacrifice. Meanwhile, my friends got jobs. They worked 40 hours a week and made a modest $50K a year and spent every dime they earned. They drove flashy cars and lived in expensive homes and wore fancy designer clothes. Instead of hitting the Nordstrom's for the latest hot fashion item, I was trolling through the Goodwill store extracting any clothing item that didn't look like it was birthed in the 70's. My friends refinanced their mortgages and lived a life of luxury. I, however, did not. I put my time, my money, and my life into a business with a vision that eventually, some day, I too, will be able to afford these luxuries my friends supposedly had. So, while you physically arrive at the office at 9am, mentally check in at about noon, and then leave at 5pm, I don't. There is no "off" button for me. When you leave the office, you are done and you have a weekend all to yourself. I unfortunately do not have the freedom. I eat, ****, and breathe this company every minute of the day. There is no rest. There is no weekend. There is no happy hour. Every day this business is attached to my hip like a 1 year old special-needs child. You, of course, only see the fruits of that garden  the nice house, the Mercedes, the vacations... you never realize the back story and the sacrifices I've made. Now, the economy is falling apart and I, the guy that made all the right decisions and saved his money, have to bail-out all the people who didn't. The people that overspent their paychecks suddenly feel entitled to the same luxuries that I earned and sacrificed a decade of my life for. Yes, business ownership has is benefits but the price I've paid is steep and without wounds. Unfortunately, the cost of running this business, and employing you, is starting to eclipse the threshold of marginal benefit and let me tell you why: I am being taxed to death and the government thinks I don't pay enough.  I have state taxes. Federal taxes. Property taxes. Sales and use taxes. Payroll taxes. Workers compensation taxes. Unemployment taxes. Taxes on taxes. I have to hire a tax man to manage all these taxes and then guess what? I have to pay taxes for employing him. Government mandates and regulations and all the accounting that goes with it, now occupy most of my time. On Oct 15th, I wrote a check to the US Treasury for $288,000 for quarterly taxes. You know what my "stimulus" check was? Zero. Nada. Zilch. The question I have is this: Who is stimulating the economy? Me, the guy who has provided 14 people good paying jobs and serves over 2,200,000 people per year with a flourishing business? Or, the single mother sitting at home pregnant with her fourth child waiting for her next welfare check? Obviously, government feels the latter is the economic stimulus of this country. The fact is, if I deducted (Read: Stole) 50% of your paycheck you'd quit and you wouldn't work here. I mean, why should you? That's nuts. Who wants to get rewarded only 50% of their hard work? Well, I agree which is why your job is in jeopardy. Here is what many of you don't understand ... to stimulate the economy you need to stimulate what runs the economy. Had suddenly government mandated to me that I didn't need to pay taxes, guess what? Instead of depositing that $288,000 into the Washington black-hole, I would have spent it, hired more employees, and generated substantial economic growth. My employees would have enjoyed the wealth of that tax cut in the form of promotions and better salaries. But you can forget it now. When you have a comatose man on the verge of death, you don't defibrillate and shock his thumb thinking that will bring him back to life, do you? Or, do you defibrillate his heart? Business is at the heart of America and always has been. To restart it, you must stimulate it, not kill it. Suddenly, the power brokers in Washington believe the mud of America are the essential drivers of the American economic engine. Nothing could be further from the truth and this is the type of change you can keep. So where am I going with all this? It's quite simple. If any new taxes are levied on me, or my company, my reaction will be swift and simple. I fire you. I fire your co-workers. You can then plead with the government to pay for your mortgage, your SUV, and your child'sfuture. Frankly, it isn't my problem anymore. Then, I will close this company down, move to another country, and retire. You see, I'm done. I'm done with a country that penalizes the productive and gives to the unproductive. My motivation to work and to provide jobs will be destroyed, and with it, will be my citizenship. While tax cuts to 95% of America sounds great on paper, don't forget the back story: If there is no job, there is no income to tax. A tax cut on zero dollars is zero. So, when you make decision to vote, ask yourself, who understands the economics of business ownership and who doesn't? Whose policies will endanger your job? Answer those questions and you should know who might be the one capable of saving your job. While the media wants to tell you "It's the economy stupid" I'm telling you it isn't. If you lose your job, it won't be at the hands of the economy; it will be at the hands of a political hurricane that swept through this country, steamrolled the constitution, and will have changed its landscape forever. If that happens, you can find me in South Caribbean sitting on a beach, retired, and with no employees to worry about. Signed,Your boss  Origins:  In the ramp-up towards the 2008 Presidential election and in its wake, a number of anonymous "Here's how you, the ones who voted for him, will directly suffer from a Barack Obama presidency" missives landed in inboxes everywhere. One such was putatively from a hard-working and generous grandfather telling his beloved liberal granddaughter that her support for Obama meant Grandpa was no longer going to be in a position to help her financially. Another was supposedly penned by CEO to his 140 employees informing them that thanks to the new taxes now surely headed his way, he'd have to lay off a few of them, so he was starting with those whose cars sported Obama bumper stickers." lay off The "To All My Valued Employees" letter quoted above is another of such ilk. In it, a boss threatens to shut down his company (thus wiping out the livelihoods of the 14 people who work there) if any more taxes are levied upon him, an outcome he views a virtual  certainty under an Obama presidency.  The piece is perhaps best viewed as an attempt to put into real-world terms the possible consequences to average folks if business is interfered with to the point of no longer being able to operate rather than as an actual letter sent by a real boss to his employees.  Although our earliest sighting of this item dates to 3 November 2008, textual clues within the missive (such as"Please vote who you think will serve your interests the best" and "So, when you make decision to vote") indicate it was likely penned sooner than just the day before the 2008 presidential election. The original author of this piece is unknown to us. While some versions are merely signed "Your Boss," others are attributed to Michael A. Crowley of Wake Forest, North Carolina, via inclusion of his signature block at the end of the piece. Crowley himself denies authorship, saying: In reference to the "To all my valued employees" letter currently circulating the internet:  This letter was forwarded to me by a colleague. While the letter may indeed be authentic, I was not the author and I do not know the identity of the original author. I forwarded it to the "John McCain Joe the Plumbers" email group prior to the election. Someone moved my contact information into the body of the message making it appear that I was the author of the letter. I would appreciate your removing my contact information prior to forwarding this message.  Michael A. Crowley, PE While sometimes people looking to distance themselves from soapbox pieces they've penned subsequently claim they found such contentious items elsewhere on the Internet and merely forwarded them to others, that is not the case here. More than just Crowley's own words of denial support his claim of non-authorship, with the key to that proof lying in the very signature block that has worked to convince so many of his being the real "boss" behind the letter. That signature block identifies his firm as Crowley, Crisp & Associates, Inc., a now defunct business entity that (according to North Carolina's Secretary of State) was formed in May 2007.  The missive so widely laid at Crowley's feet states "I started this company 12 years ago." Twelve years prior to 2008 was 1996. (His current firm, Crowley & Associates, Inc., was formed in October 2000.) Were Crowley the actual author, that line about when he began his company would have read "last year" or "8 years ago."  The response to the missive falsely attributed to him prompted Michael Crowley to pen his own letter on the plight of the small business owner, which can be read here. here In October 2012, David Siegel, the founder and CEO of Westgate Resorts, sent a modified version of this letter to all of his employees. He based his missive on that much-circulated 2008 piece, saying of his offering: "I did use the letter that had circulated before as a guideline, but I changed it [to fit my circumstances]. It speaks the truth and it gives [employees] something to think about when they go to the polls."  sent Last updated:  9 October 2012 Phishing bait:  Notice from the IRS indicating the recipient's electronic tax return or payment has been rejected or that the recipient has a refund coming. Examples:   [Collected via e-mail, October 2010] Subject: Your Federal Tax Payment ID 010357109 is rejected.  Urgent Report. Your Federal Tax Payment ID: 01037524 has been rejected. Return Reason Code R21 - The identification number used in the Company Identification Field is not valid. Please, check the information and refer to Code R21 to get details about your company payment in transaction contacts section: EFTPS: The Electronic Federal Tax Payment System PLEASE NOTE: Your tax payment is due regardless of EFTPS online availability. In case of an emergency, you can always make your tax payment by calling the EFTPS.  [Collected via e-mail, January 2008] After the last annual calculations of your fiscal activity we have determined that you are eligible to receive a Stimulus Payment. Please submit the Stimulus Payment Online Form in order to process it. A Stimulus Payment can be delayed for a variety of reasons.For example submitting invalid records or applying after the deadline. To submit your Stimulus Payment form, please download the document attached to your email. Note: If filing or preparation fees were deducted from your 2007 Refund or you received a refund anticipation loan, you will be receiving a check instead of a direct deposit. Regards,Internal Revenue Servicestimulus.payment@irs.gov  [Collected via e-mail, August 2007] From: "Internal Revenue Service" Subject: IRS Notification - Fiscal ActivityDate: Sun, 26 Aug 2007 23:57:35 +0300 After the last annual calculations of your fiscal activity we have determined that you are eligible to receive a tax refund of $268.32. Please submit the tax refund request and allow us 6-9 days in order to process it. A refund can be delayed for a variety of reasons. For example submitting invalid records or applying after the deadline. To access the form for your tax refund, please click here Regards,Internal Revenue Service Copyright 2007, Internal Revenue Service U.S.A. All rights reserved.  [Collected via e-mail, February 2009] Re: US Stimulus Check Information--------------------------------------------------------------------If you're one of the millions of Americans struggling in today's economy, help is available. You've been chosen for the chance to get a US Stimulus Check based on your annual income level. (Participation required. See below for details.) Refer to the chart below to determine the amount of money you can receive: --------------------------------------------------------------------$0 - $35,000........................$709 US Stimulus Check--------------------------------------------------------------------$35,000 - $70,000.................$615 US Stimulus Check--------------------------------------------------------------------$70,000+.............................$504 US Stimulus Check--------------------------------------------------------------------  Make your selection here, then follow the instructions on our website before this offer expires.  [Collected via e-mail, July 2009] Tax Refund Notification After the last annual calculations of your fiscal activity, we have determined that you are eligible to receive tax refund of 488.50 GBP. You are require to submit the tax refund request using the tax refund reference below and allow up 6-9 working days in order to process it [link elided] Note : A refund can be delayed for different reasons, for example submitting invalid records or applying after deadline. we apologise for any inconveniences and thank you for your co-operation. Yours Sincerely HM Revenue & Customs  [Collected via e-mail, June 2011] Department of Treasury Internal Revenue Source Important information about your tax return We are unable to process your tax return We recived your tax return. However, we are unable to process the return as field. Our records indicate that the person identified as the primary taxpayer or spouse on the tax return did not provided all the required documents shown on the tax form. Our records are based on information received from the Social Security Administration. Based on this information, the tax account for the individual has been locked  What you need to do Print out the attached notification and list of missing documents, fill it in, add the documents and send the following information to the adress shown in the attached notification. List of required documents: 1. A copy of this letter 2. Notification letter 3. A photocopy of valid U.S. Federal or State Government issued identification. Keep this notice for your records. If you need assistance, please don'thesitate to contact us  [Collected via e-mail, January 2012] IRS notice, The analysis of the last annual calculations of your fiscal activity has indicated that you are entitled to receive a tax refund of $115.25 Please submit a request of the tax refund and a processing of the request will take 7-14 days. A tax refund can be delayed by different reasons. For instance submission of invalid records or sending after the deadline. Please find the form of your tax refund attached and fill out it and send a report. Regards,Internal Revenue Service. Origins:  Notices purporting to come from the Internal Revenue Service (IRS) make good  phishing bait for a number of reasons: phishing  Notices from institutions of the federal government (especially an agency with the ominous reputation of the IRS) grab people's attention.  Unlike other phishing schemes that emulate mailings from various private financial institutions (e.g., Bank of America) and are therefore easily recognized as phony by many recipients (because they do no business with those companies), a forged IRS notice has the potential to take in a much larger pool of victims, as most adult U.S. residents have dealings with that agency.  Many people find the federal income tax filing process complicated and confusing, so the idea that they might have unclaimed refunds or payments waiting for them to claim seems plausible. An August 2007 mass phish e-mailing (reprised in January 2012) took advantage of those points, spamming millions of Internet users with phony notices that advised recipients they were eligible to receive tax refunds (of amounts such as $109.30 or $268.32) and invited them to click on a link that took them to a form  through which they could claim those refunds.  Of course, the link included in the messages didn't actually send users to the genuine IRS web site; it redirected claimants to an imposter site that instructed them to enter sensitive personal information (e.g., Social Security number and debit card number) in order to "deposit" their refunds.   Similarly, January 2009 versions redirected claimants to an imposter site with a form for them to fill out in order to claim stimulus payments, and an October 2010 version used the lure of claiming that the recipients' Electronic Federal Tax Payments (EFTPS) had been rejected due to invalid information and sent them to a phony imitation of the real EFTPS site to enter new information. The IRS never offers refunds through e-mail or sends out unsolicited e-mails to taxpayers.   When the IRS needs to contact a taxpayer, it sends notice via U.S. Mail, and every such notice includes a telephone number that the recipient can call for confirmation.  Should you need to visit the IRS web site for any reason, go there directly (by entering the www.irs.gov URL into your web browser) rather than following links in e-mail messages. The IRS says about such e-mails that: IRS The IRS does not initiate taxpayer communications through e-mail. In addition, the IRS does not request detailed personal information through e-mail or ask taxpayers for the PIN numbers, passwords or similar secret access information for their credit card, bank or other financial accounts.  Do not open any attachments to questionable e-mails, which may contain malicious code that will infect your computer. Please be advised that the IRS does not initiate contact with taxpayers via e-mails. The EFTPS web site also states that: EFTPS EFTPS values your privacy and security and will never attempt to contact you via e-mail. If you ever receive an e-mail that claims to be from EFTPS or from a sender you do not recognize that mentions a payment made through EFTPS, forward the e-mail to phishing@irs.gov or call the Treasury Inspector General for Tax Administration at 1.800.366.4484. Last updated:  9 January 2012 On 8 January 2016, the entertainment web site The Reporterz published an article reporting that Delaware had created a new "child support card" that controlled "what mothers can and cannot buy" with their child support funds: This measure was taken to prevent parents from misusing funds that are meant to help with costs associated with raising children, such as school related expenses, food, etc. This card will not be allow the parent to purchase alcohol, cigarettes or pay car payments the card will be used exactly like a food stamp card. We spoke to Tasha Brown who was upset after she couldn't purchase a bottle of Hennessy at her local liquor store. she says "Its' [sic] unfair its [sic] my money I should be able to do what i want with it how will I pay for my new weave?"   The article was ambiguous about whether the card would apply to all funds received for the care of children (such as support monies paid by former spouses) or funds made available through government assistance programs. It didn't matter either way, though, as the story was a complete fabrication that originated with a fake news web site that does not publish factual stories. A disclaimer on The Reporterz states that "every article is based on a true story, only the facts have been changed." In this case, Delaware really does have a card that makes it easier for single parents and guardians to receive funds. The First State Family Card is a pre-paid debit card that does not require bank account: The First State Family Card is a pre-paid VISA card that is credited whenever a payment is posted to any/all of a client's child support case(s). Benefits to the debit VISA card include: While Delaware does have a card that makes it easier for parents to collect child support, the handbook for the First State Family Card (not the "Child Support Card") does not mention any restrictions on how the funds may be utilized. mention Claim:  Memo from a McDonald's director advocates making a policy of omitting items from customers' drive-through orders.  Example:  [Collected via e-mail, October 2009] Scanned image attached purporting to be a genuine internal McDonalds management letter. The letter is pretty disturbing on a number of fronts. Obviously the idea of deliberately cheating customers is questionable but further to that the revenue figure is wildly incorrect because the only "saving" would be in some ingredients which are a very small percentage of the overall cost of the end product. Lastly, of course people will stop coming to the store if they are often short changed. Is McDonalds really the evil empire?    Origins:  This scenario has played out in many a home: It's the end of a long day, everyone's tired and hungry, but nobody has the energy or inclination to cook, or even to go out to a restaurant and sit through a dine-in meal.  Instead, a family member is tapped to head out to the drive-through lane of a local fast food outlet to pick up some chow for everyone.  Unfortunately, upon the designated food retriever's return, the famished family members discover that a careless restaurant employee inadvertently failed to include one or more of the requested items when packaging the order  thereby necessitating that somebody go hungry, share his food, or make another trek to the fast food outlet. (In our household such an occurrence  was known as "Ericing an order," so named in honor of my younger brother, who rarely managed to return from a fast food run with a complete order.) The "missing drive-through food items" phenomenon is such a seemingly common one that it has prompted some consumers to occasionally wonder if fast food restaurants don't do it on purpose in order to increase their profit margins  because those restaurants know from experience that many drive-through customers won't discover until they're well away from the point of sale that they didn't receive some of the food they paid for, and by that point they don't have the time, or consider it too much of a hassle, to return to retrieve the missing items.   The image reproduced above plays on those feelings in the form of a purported memo from Robert Trugabe, a Managing Director with McDonald's Australia, which (ironically)  suggests the company increase revenues by making an undocumented practice of regularly and deliberately leaving out food items from every few drive-through orders: We need to discuss the drive through orders as well. If the girls leave one item out of every second or third order, this adds up to several thousand dollars per week revenue. On smaller orders if they leave out the hot apple pie or fires [sic] and larger orders just 1 burger from every third order this totals around $2,118.00 per day. We need to work out if there is a way of making this a procedure without making it documented. (Lest any viewers miss the point, the preceding paragraph is helpfully encircled with a bold black line and accompanied by the written expression "I KNEW IT!!" in the sample image.)  The "McMemo" was merely a parodical prank, however.  An inquiry about it to McDonald's Australia drew the following response: This memo is a complete fabrication. 'Robert Trugabe' is not a McDonald's Australia employee and never has been. Needless to say the contents of the letter are also completely fabricated. McDonald's practices the highest standards of consumer ethics and would never encourage employees to act in a way that undermines our core customer values. Moreover, the McDonald's Australia web site now carries an alert offering a "customer update on fabricated letter": alert The memo in circulation online and via email supposedly written by the Managing Director/Proprietor of Frewville McDonald's in South Australia is a complete fabrication. 'Robert Trugabe' is not, and never has been, a McDonald's Australia employee. The contents of the letter are also completely fabricated. McDonald's practices the highest standards of consumer ethics and would never encourage employees to act in a way that undermines our core customer values. Additionally, the organizational listing on the McDonald's Australia web site included only one Managing Director, whose name was Catriona Noble, not Robert Trugabe.   organizational listing In case the joke isn't obvious, we note the uncoincidental similarity between the name of the supposed McDonald's official and that of Robert Mugabe, the controversial president of Zimbabwe, as well as the remarkable congruence of their signatures: Robert Mugabe  The originator of the hoax memo was identified as South Australian prankster David Thorne, who said the effort of creating it "took me five minutes in Photoshop."  David Thorne Last updated:  13 July 2014