Says food stamp growth, while high, lagged the rise in unemployment.
Mention food stamps in a mixed political crowd and youll get a full buffet of opinions -- starchy, sugary, wilted and done to a turn -- about the people who use them.Exhibit A is the array of reader comments on Cleveland.com aftera story there, and in The Plain Dealer on Dec. 3, described efforts in Congress to cut the federal food safety net.Sorry, but youll get no dish here about the habits or consumption patterns of Americans using the Supplemental Nutrition Assistance Program, or SNAP (now delivered in the form of an electronic card rather than with stamps or coupons). Instead, PolitiFact Ohio is using this as an opportunity to revisit a claim from the food stamp story, made by Anne Goodman, president and CEO of the Cleveland Foodbank. The food bank provides food for 450 meal sites, shelters and pantries, whose clients include Ohioans on SNAP whose food budgets run out before the end of each month.Goodman said that while national SNAP enrollment grew by 70 percent between 2007 and 2011, unemployment jumped by a much higher rate, 94 percent. That shows, she said, that SNAP is working as it was intended. It was designed to ensure that families have food when they need a helping hand.PolitiFact Ohio was curious about those figures. Did food stamp growth really lag unemployment as the economy turned sour.A cursory look at labor statistics showed she was in the ballpark. But the data, and thus the rhetoric, can change depending on the months reported or even the dates when the data is released, so we asked for more.Goodman provided three sources of information.The first was the latestSNAP Annual Summaryfrom the U.S. Department of Agriculture, which runs SNAP. The summary provided data from 2007 to 2011, a five year window that includes pre-recession data for a baseline and carries into recovery. 2011 also is the most current year for which statistics are available.The summary shows annual participation, measured in fiscal years. In 2007, there were 26.316 million individual SNAP recipients. In 2011, there were 44.709 million.That comes to a growth rate of 69.89 percent. With almost no rounding, thats the same as 70 percent. So Goodman was accurate on that figure.We should note that these are annual averages. As the article in The Plain Dealer on food stamps said Dec. 3, participation was as high as 47.1 million at one point, in August, 2011. That figure came from another Agriculture Department set of data, tracking SNAP participationby the month.The second source that Goodman sent us was a set ofU.S. Census Bureau dataon economic characteristics of Americans. This was from the bureaus American Community Survey, and it estimated the percentage of individuals on food stamps was 7.7 percent in 2007, and 13 percent in 2011.Thats a 68.8 percent growth rate, or 1 percent lower than the figure from the Agriculture Department. The difference is likely due to a difference in methodology: The census asks questions of households, and the Agriculture Department has actual figures from the food stamp program, since it runs it. With the numbers so close, it makes little difference here.So Goodmans numbers were good on food stamp growth. But what about unemployment growth?That leads to the third set of data she cited, this from theU.S. Bureau of Labor Statistics. The bureau, a division of the Labor Department, tracks the number and percentage of people in the workforce who are unemployed.In 2007, the unemployment rate was 4.6 percent.In 2011, it was 8.9 percent.Thats a 93.48 percent rise. Goodman put it at 94 percent -- within a percentage point of the actual figure. We checked BLS data using adifferent table-- the government agency allows you to use its information in different formats -- and got the same result as Goodman.These, too, were annual averages, and some months were higher, some lower. If you were to pick certain months in those years to find high and low points, you could show an even bigger leap in unemployment -- as high as the 105 percent rise between May 2007 and May 2011. But by using the more conservative annual average, it becomes clear that Goodman did not cherry pick the data to show extremes.Her comments to The Plain Dealer, and anop-ed columnon food aid that she wrote for the newspaper on Dec. 2, were not the first time these numbers have been cited. Goodman mentioned them when sheappeared before the U.S. Senate Agriculture Committeeon March 7 to discuss the need for food assistance.And Feeding America, a national charity,has cited them in its materials.Goodmans figures check out entirely.On the Truth-O-Meter, her claim rates True.
On hisfirst visitto Wisconsin since taking office, PresidentDonald Trumpcame to Kenosha, a city once synonymous with manufacturing, to sign an executive order as part of his Buy American, Hire American agenda. Its aimed at boosting jobs in the United States. SpeakingApril 18, 2017 at Snap-on Inc., a tool manufacturer, Trump made a claim about China. He implied it had a hand in the loss of American jobs, saying: For too long, weve watched as our factories have been closed and our jobs have been sent to other faraway lands. Weve lost 70,000 factories since China joined the World Trade Organization. And youve seen that, youve heard about it -- 70,000. The World Trade Organization -- another one of our disasters. Congress cleared the path for Chinas2001 entryinto the World Trade Organization, which deals with the rules of trade between nations and works for open trade.The entryspurred investment in China and produced a lot more movement of goods -- leading tobroad agreementthat the change cost America millions of jobs. But how many factories? And were there other factors? Previous claim Trumps claim is nearly the same one he made a month earlier at a rally in Kentucky, when he said: Since China joined  thats another beauty  the WTO in 2001, the U.S. has lost many more than 60,000 factories. PolitiFact Nationals rating wasMostly True. Heres what our colleagues found: The latest-available U.S. Census counts, for 2014, show the number of American factory establishments has dropped to below 300,000. The decrease since China joined the World Trade Organization was nearly 61,000, according to one Census tally, and more than 73,000 according to another. Some of that decline is due to Chinas becoming a bigger player in the world economy by joining the WTO, as our colleagues reported: Around the same time China joined the WTO, the United States gave China permanent normal trade relations status. Both of these actions removed significant barriers to trade and investment with China, basically putting them on an even playing field with the United States other trading partners. In the 16 years since, United States imports from China have quadrupled, in large part because production is so cheap there, making U.S.-based manufacturers less competitive. We found three significant economic studies from the past few years that all conclude increased free trade with China has had a negative impact on American manufacturing and jobs. At the same time, experts said the loss of factories was also brought on by other factors, including U.S. trade deficits with other parts of Asia and Europe; a slow recovery after the Great Recession; and increased manufacturing productivity in the United States. TheTrump-O-Meter, which tracks Trumps campaign promises, showsTrump has pledgedto reverse Chinas entry into the WTO. For its part,China maintainsthat its entry has led to global economic growth. Our rating Trump said: Weve lost 70,000 factories since China joined the World Trade Organization.The latest U.S. Census figures, for 2014, produced two counts: 73,000, which supports Trumps claim, and 61,000. And at least some of the losses can be attributed to increased trade with China. We rate the statement Mostly True. More Trump As he prepared to visit Wisconsin, Trumps record on the Truth-O-Meter -- on statements fact checkedsince hes been president-- shows roughly two-thirds of his statements have been rated near the bottom of the meter. The holiday shopping season often spurs rumors that retailers use "disappearing ink" on receipts, making it difficult for consumers to use paid-for warranties or return unserviceable merchandise. Some rumors were more broad, involving anecdotal concerns about "disappearing ink" receipts, addressing retailers: I know you are in business to make money. I know that fraudulent returns cut into your profit margin, so you feel the need to tighten up your return policies. I am totally on board with that. BUT, could you please then stop using disappearing ink on your receipts? I just had my baby shower, and EVERY SINGLE gift receipt from your store was so faded, it was barely legible. Then, you tried to give me a hard time because your computers couldn't read the receipts, therefore making my duplicates off the registry unreturnable (but improper registry maintenance is a whole other issue.) To sum up. You require receipts? Then print legible receipts. Thank you. Others were more specific, claiming very clear timeframes30 to 45 daysand practices governed the legibility of receipt ink. Iterations of that sort asserted companies deliberately sought out to ensure that no receipts past a certain point could be used, presumably rendered void when the ink "disappeared" by design: PLEASE READ: Learned something new tonight...I guess you guys need to be made aware of (if you don't already know)...I was informed this evening after making a purchase with an extended warranty from Wal-Mart that I needed to go home and make a photo copy of the receipt and file with the warranty card. I curiously asked why and the lady told me that Wal-Mart now uses disappearing ink. My jaw dropped. So this means after 30 -45 days moving forward, you will no longer have a legible receipt from Wal-Mart for returns or warranty usage or credit card issues. Heads up guys ! This will be a problem for many ! I understand the reason they gave for this action, but it sure makes for a difficult life for the honest folks in this world.   Don't forget to take a picture of your receipts. Disappearing ink is one big snowjob, so be ready for the storm.... 30 days and presto-change o. Although the rumor was rife on Facebook, instances of it far antedated the social network. Forum posts as far back as 2003 referenced the phenomenon. 2003 However, many retailers's return policies stipulate that receipts are not the sole manner in which consumers can prove a purchase. Walmart maintains: maintains Walmart will accept a non-receipted return or exchange provided it meets the following conditions: The refund verification process accepts the return.The government issued ID must not be altered and is accepted by Walmart. To return or exchange items without a receipt, you are required to present a valid government issued photo ID. Information from the customer ID will be stored in a secured database of returns activity that Walmart uses to authorize returns. At Lowe's the policy reads, in part: the policy reads, in part In most instances, your receipt can be retrieved by using the original credit card, checking account number, MyLowe's card or by your phone number. For returns without a valid receipt, in-store credit may be issued for the items current selling price. Lost or stolen gift cards can only be replaced for the remaining balance by presenting the original receipt. Similarly, CVS notes "returns or exchanges are subject to a third-party verification process," suggesting physical paper receipts were not the sole manner in which proof of purchase was retained by the consumer or retailer. The web site CreditCards.com surveyed major retailers and reported that in addition to protections offered by issuers such as American Express and Mastercard, receipts were rarely the only recourse: notes surveyed Our survey of 12 large retailers policies regarding returning items without a receipt shows most allow it  within limits. Although a staunch no receipt, no return policy is rare, it does still happen, and there can be individual store quirks that make the return process difficult to predict. Store policies tend to be tiered, with full refunds reserved for those who meet the gold standard: They return the entire item, in its original packaging, quickly, with a receipt. The further you vary from the gold standard, the less you get back. Credit card holders may find that using their cards provides an added avenue to a refund, since some retailers will look up a credit card transaction and let you use that as proof of purchase for a return. As to how youll get your money back, its typical for stores to return it in the same way it was tendered. So if you used a credit card, expect to get the money back in the form of a credit on your cards statement. Retailers' policies stipulating for other verification measures undermined the implication receipt degradation was a deliberate action to discourage store returns. As for why receipts tended to fade (at least under certain conditions), papermaker Panda Paper Roll explained that the effect was a cost-saving measure for different reasons: explained Receipts are typically printed on thermal paper, a chemically coated paper that produces text and image when heat is applied to its surface. Since this kind of paper is susceptible to heat and UV light, extended exposure to these elements will ultimately cause gradual fading. If you are in the mood for experimenting, place a receipt that you dont need under a hot iron for about 10 seconds. The heat from the iron will change the color of paper to black. Oil and humidity are also factors to blame. Now if youre wondering why the use of thermal paper is so widespread despite this massive disadvantage, its because they are very low cost and the equipment used to print it is low maintenance, since it doesnt need ink or ribbon cartridges. That claim was echoed in a since-deleted 2014 WFLA story about "disappearing ink" receipts: story If you keep paper receipts, this could happen to you, too. That's because more retailers are using thermal paper. Heat and light fades the ink. Although it was clearly true that many receipts faded over time, the claim involving "disappearing ink" was a misnomer. Retailers' well-known reliance on thermal paper due to its cost efficient nature led to the generation of fragile receipts, particularly those exposed to heat or light. The phenomenon was real, but the cause was often misinterpreted by concerned consumers. Early iterations of the rumor also antedated the rise of online retail giants, e-receipts, smartphones with storage capabilities, and other technological advances that served effectively as a "receipt" for consumers. Behnken, Shannon.  "Sales Receipts Have Ink That Fades, Making Returns Harder."
  WFLA.  23 June 2014. Cabrera, Kristen.  "Major Retailers' 2016 Return And Receipt Policies."
  CreditCards.com.  22 December 2016. Walmart Help Center.  "No Receipt Returns In Stores Policy."
  Accessed 14 December 2017. Lowe's Service Desk.  "Returns and Refunds Policy."
  Accessed 14 December 2017. CVS.com.  "Returns Policy."
  Accessed 14 December 2017. Panda Paper Roll Company.  "Thermal Paper: Why It Fades And How To Restore It."
  Accessed 14 December 2017. Voters in Ohio are enduring a deluge of fundraising emails from political groups ahead of the November election, like one from Friends of Sherrod Brown. The senator, in the middle of his second term, is hoping to garner support for fellow Democrat Ted Strickland. Outside special interests like to spend money in Ohio, Browns email said. Back in 2012, they spent $40 million trying to buy my seat in the Senate. Right now, the special interests are up to $30 million spent against Ted -- with the Koch network spending more money in Ohio than anywhere else in the country. Strickland, the former Ohio governor, is running for Senate against incumbent Republican Sen. Rob Portman in one of the tightest races in the country. The billionaire brothers Charles and David Koch, of Koch Industries, are tied as the sixth-richest people in the world, each worth an estimated $42 billion. As political and policy influencers advancing a free-market agenda, their network includes the nonprofit Americans for Prosperity and the super PAC, Freedom Partners Action Fund The Kochs can usually be counted on to fund conservative causes, but they haverecoiledfrom the 2016presidentialrace. Is down-ballot spending in Ohio the Kochs biggest imprint so far in the 2016 elections? We turned first to the nonpartisan Center for Responsive Politics for its tallies of outside contributions. The Koch brothers, through their political action network, have spent approximately $8 million in the senate race in Ohio, with almost$2 millionfrom Americans for Prosperity and a little over$6 millionfrom Freedom Partners Action Fund. That is more than the Koch-backed groups have spent in any other race in the country, according to OpenSecrets records. The Koch networks next-largest spending, by comparison, is in North Carolina, where Americans for Prosperity has spent a mere $200,000 againstRep. Renee Ellmers, and in Pennsylvania, where Freedom Partners Action Fund has spent almost $3 million in opposition toKatie McGinty. In opposition spending by Freedom Partners, Strickland has taken the most punishment in 2016 to date, the Center for Responsive Politicsreported. So the Koch network is contributing substantially to help Portman keep his seat. But where did Brown get the $30 million spent against Ted? Here are the numbers for outside spending contributions in the Ohio senate race, according to OpenSecrets.org:  If you add the total outside spending for Portman, and the spending against Strickland, you get $19,232,784. (Were leaving out the primary race spending for the other Democratic candidate, P.G. Sittenfeld, who Strickland beat -- thats the difference between our total and the $19,990,270 above.) Where does the other $10 million come from? Strickland spokesman David Bergstein told PolitiFact Ohio that, in tracking money spent against the candidate, the campaign monitorsannouncementsof advertising purchases, some of which come from 501(c)(4) organizations that dont have to report to the Federal Election Commission. Those dollars, therefore, dont appear on sites like OpenSecrets.org. Counting announcements of spending from these nonprofits, the conservative estimate is closer to $30 million, the campaign said. Bergstein provided a spreadsheet confirming that figure. Stricklands campaign isnt suffering from a lack of outside spending as much as Browns email might suggest.Senate Majority PAC, a super PAC dedicated to putting Democrats in Senate seats, has spent $8.4 million against Portman and $1.8 million for Strickland. We shared our analysis with Freedom Partners Action PAC, and the group did not dispute our findings. Our ruling A fundraising email in support of Strickland said that the billionaire-backed Koch network has devoted the most money to oppose the Ohio senate candidate than in any other race in the country. Americans for Prosperity and the Freedom Partners Action Fund have spent about $8 million to oppose Strickland, which is more than theyve dropped in any other race this election season to date. Stricklands campaign, while hardly immune to special interests, is the Koch networks biggest target in an election year that has seen conservative benefactors steer clear of the main ticket. We rate the claim True. Claim:  Barack Obama filed a lawsuit to require banks to "make loans to poor people." false Example:  [Collected via e-mail, September 2008] In 1994, a class-action lawsuit was filed against CitiBank, demanding that loans be made to poor people, and others who could not show proof that they could pay the money back. The basis of the lawsuit was the 14th Amendment, which requires 'fair and equal' treatment for all citizens. The legal theory was that failing to loan money to poor/indigent/unemployed people was, on it's face, a discriminatory act by lending institutions. Thousands of loans were processed, and of course many went into default, in part explaining why we're in the financial mess we're in. Now, it's easy for some people to point the finger of blame at Pres. Geo. Bush for this crisis, because he's sitting in the hot seat. What many people don't know is the suit was filed during the Clinton Administration. The lawyer filing the suit was none other than: Barak Hussein Obama. Origins:  This item seeks to dump much of the blame for America's current economic woes on Barack Obama by claiming that as a young lawyer, Obama filed a lawsuit requiring financial institutions to lend money to"poor people" and "others who could not show proof that they could pay the money back."  Although there is a (very) vague element of fact underneath this politicking, the piece quoted above is woefully wrong in all its particulars. The 1994 case of Buycks-Roberson v. Citibank Fed. Sav. Bank had nothing to do with requiring lenders to do business with people "who could not show proof that they could pay the money  Buycks-Roberson v. Citibank Fed. Sav. Bank back."  The case was a class-action lawsuit against Citibank Federal Savings initiated by a black Chicago woman, Selma Buycks-Roberson, who claimed she was unfairly denied a mortgage based on her race.  The lawsuit sought to end the practice of redlining, a discriminatory practice by which banks, insurance companies, and other business institutions refuse or limit loans, mortgages, insurance, etc., based solely on the geographic area in which the applicant lives (a practice that commonly excludes minorities in inner-city neighborhoods, regardless of their income or ability to pay).  Specifically, the lawsuit charged that Citibank "rejected loan applications of minority applicants while approving loan applications filed by white applicants with similar financial characteristics and credit histories."  The case was eventually settled out of court, with some class members receiving cash payments and Citibank agreeing to help ease the way for low- and moderate-income people to apply for mortgages. redlining Although Barack Obama was involved with the Buycks-Roberson case, he did not file the lawsuit, nor was he the lead attorney in the matter.  He was a junior member of an eight-lawyer team that worked on the case: Obama admits he played a mostly behind-the-scenes role at his law firm, Miner Barnhill & Galland. He researched the law, drafted motions, prepared for depositions and did other less glamorous work during his three years full-time and eight years "of counsel" to the firm.  "He wrote lots of substantial memos, but he didn't try any cases," said Judson Miner, a partner in the firm who was Obama's boss. Obama represented Calvin Roberson in a 1994 lawsuit against Citibank, charging the bank systematically denied mortgages to African-American applicants and others from minority neighborhoods. "I don't recall him ever standing up and giving an impassioned speech  it was a lot of behind-the-scenes stuff," said Fay Clayton, the lead lawyer on the case. "He was the very junior lawyer in that case," said attorney Robert Kriss. "He had just graduated from law school. I don't recall him being in court at any time I was there. I was the lead lawyer for Citibank and he was not very visible to me." Kriss, Clayton and every other co-counsel and opposing counsel interviewed for this story praised Obama's legal ability, temperament and everything about his courtroom demeanor, even though, they agree, he didn't say much in the courtroom.  On Feb. 23, 1995, Obama billed 2 hours and 50 minutes for an appearance before Judge Ruben Castillo on behalf of his client, and also for reviewing some documents in advance of a deposition. That cost Citibank  which ultimately had to pay the winning side's fees  $467 at Obama's hourly rate of $165. Miner commanded the higher rate of $285 an hour. During his appearance before the judge, Obama said he would need more time to file a response to a motion, and the judge agreed. That was all Obama said during the half-hour hearing. His final bill on the case was 138 hours, or $23,000. Last updated:  5 September 2012    Associated Press.  "Some Cases Obama Worked on in His Career as an Attorney."   20 February 2007. In mid-November 2021, scammers set their sights on social media users who shared a popular post from 2020. The Facebook scam improperly used the names and faces of Diesel Power Gear and "Diesel Brothers," a Discovery Channel television show. Their likeness was used without permission in posts that promised thousands of dollars to entrants who followed steps and simply showed that they downloaded the Stash finance app. Facebook Discovery Channel television show Stash finance app On June 26, 2020, Kevin Passons, a pastor at Cornerstone Pentecostal Church in Grand Saline, Texas, and his wife, Kim, shared a meme on Facebook. It was posted in the aftermath of demonstrations that followed the murder of George Floyd. The meme read: "We need to establish a new law. Anybody caught rioting and looting, who is also on welfare, will forfeit their benefits for life. Instead, we'll redirect that money to the businesses that suffered a loss." shared a meme on Facebook the murder of George Floyd  The post from 2020 received a wave of new shares in November 2021.  The meme was shared thousands of times in the summer of 2020, and continued to receive shares throughout 2021. According to The New York Times, the picture was captured around Aug. 16, 2014. It showed Mustafa Alshalabi cleaning up damage at Sams Meat Market after his store was looted during unrest in Ferguson, Missouri. The violent demonstrations came in the aftermath of the fatal shooting of Michael Brown, a Black man who was gunned down by a white police officer. The New York Times unrest in Ferguson, Missouri the fatal shooting of Michael Brown Around Nov. 19, 2021, the months-old Facebook post saw a sizable spike in shares in the aftermath of the verdict that acquitted Kyle Rittenhouse. Rittenhouse was on trial after being accused of shooting and killing two people and wounding another in Kenosha, Wisconsin, on August 25, 2020. acquitted shooting and killing After the Rittenhouse acquittal, the June 2020 Facebook post from the Passons was shared at least an additional 100,000 times over the course of just four days. As of Nov. 23, it showed a total of 326,000 shares. Within the new shares were a seemingly countless number of comments visible from scammers named N'k Santri Nalangsa, Akang Erik Terterter, Arra Razqisyaai HarimNna Mull, Ella Sisca, and likely many others. (The Passons had nothing to do with the scam.) N'k Santri Nalangsa Akang Erik Terterter Arra Razqisyaai HarimNna Mull Ella Sisca The comments often read either "check my profile you win" or "you win check my profile." Other messages said: "Visit my profile, do it with faith You have become the winner, which I specifically chose." We also noticed: "I chose you specifically, please visit my profile and fill out the registration form."  Comments like these were added to posts as soon as Facebook users shared the meme.  On the Facebook profiles, the scammers claimed, falsely, to be affiliated with Diesel Brothers and Diesel Power Gear. They said that all users needed to do was follow several steps and install the Stash finance app in order to be entered to win $10,000. The steps also involved visiting a sites.google.com website for the registration, as these kinds of scams often do. DAVE SPARKS OFFICIAL GIVEAWAYFOR ALL COUNTRIESFOR LUCKY EVERYONE TODAY I will pick random people to get a $ 10,000 prize for the 20 chosen winners !!! Congratulations to the people I commented "YOU WIN", and all you have to do now is follow the prompts, and complete the registration to completion according to the procedure;STEP 1 `` LIKE and SHARE this post and send a private message (HELLO) ''STEP 2 REGISTER immediatelyhere (The registration link is in the comments)STEP 3 please install the STASH application after it is installed, please open it and complete your personal data correctly.Send proof of registration in the form (screenshot) in the comments column or message when it's finished & say it is done.Wait a few minutes to receive a gift from me because it has to be processed. And prizes will be sent after you have successfully registered the data correctly.and will each receive a cash prize of $ 10,000'' This program is sponsored by several films '' I hope this is useful, because not everyone is as lucky as you,God bless you To be clear, there was no evidence that Stash Finance, the company behind the app, had anything to do with the scam. Further, it's true that the real Diesel Brothers and Diesel Power Gear Facebook pages have posted about legitimate giveaways in the past. However, this scam from accounts that asked users to visit their profiles should be avoided. Scams like these could lead to phishing, theft of financial or personal information, or other negative outcomes. A glance at the scammers' profiles showed that they likely originated from Indonesia. Diesel Brothers Diesel Power Gear While some longtime readers might believe that it should be obvious that these offers are not legitimate, it's important to keep in mind that not all Facebook users are alike. The Akang Erik Terterter scammer profile alone had been followed nearly 2,000 times. It's likely that at least a handful of those followers went through the steps in an attempt to sign up for the Diesel Brothers Facebook scam or another one in the past. Akang Erik Terterter followed nearly 2,000 times  This one profile alone had nearly 2,000 followers, perhaps showing how many Facebook users fell for this scam or other ones in the past.  Aside from the four accounts we found, there were likely other profiles used for the scam. Facebook limits the number of comments that a user can make in a short period of time. It was evident that the scammers had a stack of accounts that they used in a rotation to keep the ruse going. In sum, neither Diesel Brothers nor Diesel Power Gear were giving away thousands of dollars on Facebook to entrants who followed steps and downloaded the Stash finance app. It was simply a scam that appeared to be run from Indonesia. During the 2020 U.S. presidential campaign cycle, social media users circulated a meme claiming that Democratic presidential candidate Joe Biden had announced he intended to tax 401(k) plan retirement accounts:  However, the published Biden campaign plan for addressing savings and retirement issues makes no mention of taxing 401(k) accounts, nor could we locate any speech or other public statement by Biden in which he suggested imposing a tax on such accounts. Biden campaign plan Biden did unveil a tax plan that called for "equalizing the tax benefits of retirement plans." Key to that plan was the fact that currently, contributions workers make to retirement plans such as 401(k)s consist of pretax dollars, which reduces those workers' taxable income and thus their income tax liability: reduces Right now you can deduct your contributions to your 401(k) plan right off the top of your income. So far as the IRS is concerned, the money is invisible for this years calculations. Make $200,000 and contribute the maximum $19,500 to your 401(k), and as far as Uncle Sam (and your state) are concerned, you didnt make $200,000 this year, you only made $181,500. But, Biden contended, this type of tax benefit is skewed in favor of higher-income families: The more tax you pay, the more [your 401(k) contribution] saves you. If you have to pay the top, 37% federal tax rate on every extra dollar you earn, deducting that money from your tax return saves you $7,215 in income taxes. But if youre only paying 10% federal tax on each extra dollar you earn, deducting $19,500 would save you just $1,950. Therefore, Biden has proposed to equalize these benefits across the income spectrum by providing taxpayers with an approximately 26% refundable tax credit in place of the deductions they currently get for contributing to retirement plans: The current tax benefits for retirement savings are based on the concept of deferral, whereby savers get to exclude their retirement contributions from tax, see their savings grow tax-free, and then pay taxes when they withdraw money from their account. This system provides upper-income families with a much stronger tax break for saving and a limited benefit for middle-class and other workers with lower earnings. The Biden Plan will equalize benefits across the income scale, so that low- and middle-income workers will also get a tax break when they put money away for retirement. The Tax Foundation independent tax policy organization explained this plan thusly: Tax Foundation Biden proposes converting the current deductibility of traditional retirement contributions into matching refundable tax credits for 401(k)s, individual retirement accounts (IRAs), and other types of traditional retirement vehicles, such as SIMPLE accounts. Bidens proposal would eliminate deductible traditional contributions and instead provide a 26 percent refundable tax credit for each $1 contributed. The tax credit would be deposited into the taxpayers retirement account as a matching contribution. Existing contribution limits would remain, and Roth-style tax treatment would be unaffected. Is it accurate to assert that Joe Biden said "he's going to tax your 401(k)"? Not really, since the Democratic presidential candidate hasn't proposed taxing the amount of money people contribute to or maintain in their retirement accounts, nor to eliminate the tax reductions workers realize by paying some of their earnings into those plans. But Biden's proposal would likely have the effect, in the words of MarketWatch, of "subsidizing retirement savings for those earning less by raising taxes on everyone else." MarketWatch Mermin, Gordon B.  An Analysis of Former Vice President Bidens Tax Proposals."
  Tax Policy Center.  5 March 2020. Mercado, Darla.  "Biden Calls for an Overhaul of 401(k) Tax Breaks. What It Means for You."
  CNBC.  22 September 2020. Watson, Garrett.  "Bidens Proposal Would Shift the Distribution of Retirement Tax Benefits."
  Tax Foundation.  26 August 2020. Arends, Brett.  "Opinion: Will Bidens 401(k) Plan Help You or Hurt You?"
  MarketWatch.  15 September 2020. In May 2014 Facebook announced they would be rolling out an "Identify TV and Music" feature that would allow users who access the social media platform through their cell phones to identify and tag music or television programs playing in their area. When a user begins to compose a status update, Facebook will activate the phone's microphone, filter out live conversations, and try to detect and identify audio programming. If a matching song is found, Facebook will include a sample of the music in the status; if a matching television program is found, Facebook will label the specific season and episode "so you can avoid any spoilers": announced When writing a status update  if you choose to turn the feature on  you'll have the option to use your phone's microphone to identify what song is playing or what show or movie is on TV. That means if you want to share that you're listening to your favorite Beyonc track or watching the season premiere of Game of Thrones, you can do it quickly and easily, without typing. If you share music, your friends can see a 30-second preview of the song. For TV shows, the story in News Feed will highlight the specific season and episode youre watching, so you can avoid any spoilers and join in conversations with your friends after you've caught up. Facebook said the digital fingerprinting feature would be opt-in only, meaning users would have to give the program permission to start. Once activated, an icon on the face of the phone would indicate that the microphone was active and the phone was listening. Users who opted in could still choose to turn off the feature on a post-by-post basis. (Audio fingerprinting would only be available in the United States and only via iOS and Android mobile apps; it would not function if Facebook were accessed through a browser.)   Facebook's announcement was later updated to address rumors that the new app would listen in on, and store, user conversations: Myth: The feature listens to and stores your conversations. Fact: Nope, no matter how interesting your conversation, this feature does not store sound or recordings. Facebook isn't listening to or storing your conversations. Here's how it works: if you choose to turn the feature on, when you write a status update, the app converts any sound into an audio fingerprint on your phone. This fingerprint is sent to our servers to try and match it against our database of audio and TV fingerprints. By design, we do not store fingerprints from your device for any amount of time. And in any event, the fingerprints can't be reversed into the original audio because they don't contain enough information. Myth: Facebook is always listening using your microphone. Fact: Nope, if you choose to turn this feature on, it will only use your microphone (for 15 seconds) when you're actually writing a status update to try and match music and TV. Two years later, a similar rumor erupted, holding that Facebook was listening to user conversations in order to better target advertising and content to them. rumor  Griffin, Andrew.  "Facebook Is Using Smartphones To Listen To What People Say, Professor Suggests."
  The Independent.  31May 2016. Hill, Kashmir.  "Facebook Wants To Listen in on What You're Doing."
  Forbes.  22 May 2014. Kleinman, Zoe.  "Facebook 'Listening' Claim Denied By Professor"
  BBC.  3June2016. Tate, Ryan.  "Facebook Will Soon Detect What You're Watching and Listening To."
  Wired.  21 May 2014. Tate, Ryan.  "Why Facebook Spent a Year Learning to Listen in on Your TV Shows."
  Wired.  22 May 2014. Facebook Newsroom.  "Facebook Does Not Use Your Phones Microphone for Ads or News Feed Stories."
  2 June 2016. Since at least July 2021, online advertisements have displayed the words: "[Pics] Drone Captures Photos We're Not Supposed to See." It showed a purported drone photograph of a massive nest or other object hanging off a telephone pole or power lines. The ads appeared to promise answers. For example, this ad appeared next to an article on the 10news.com website. 10news.com  The ad showed a strange object blanketing power lines or a telephone pole.  A variation of the ad said: "Drone Snaps Photos No One Should Ever See." A third version read: "Photos That Can Give You A New Perspective." They were sponsored by the Definition.org website, which has quite the track record for misleading clickbait. The ad was hosted by the Outbrain advertising network. quite the track record misleading clickbait Clicking on the ads led to a 39-page slideshow article and a headline that read: "Drone Photos Taken In Mid Air Will Have You Feeling Uneasy." article The article contained several photographs that appeared to be shot from the air, whether by a drone, helicopter, or airplane. One claimed it showed the aftermath of a residential explosion. Another described a shot that was purportedly captured over Barcelona, Spain. We also found a picture that was said to show volcanic activity in Iceland. a residential explosion Another Barcelona, Spain picture Iceland We clicked through all 39 pages. The article never mentioned the photograph from the ad. It was clickbait. We clicked "next page" nearly 40 times so you dont have to. The picture in the ad was not captured high in the sky using a drone. It appeared to be shot on the ground by artist and photographer Dillon Marsh of Dillon Marsh Photography. We found no credit to Marsh on the Definition.org website. Dillon Marsh Dillon Marsh Photography The picture showed a large birds' nest for the sociable weaver, built on a telephone pole. The bird species lives in the Kalahari region of southern Africa. sociable weaver  Sociable weavers in Lijjersdraai Picnic Site at Kgalagadi Transfrontier Park in Northern Cape, South Africa. (Courtesy: Bernard Dupont/Flickr)  The only place they can be found in the United States is with the San Diego Zoo. The zoo described the nests built by sociable weavers as providing enough living space for an "entire colony as well as for future residents." The nests can hold up to 400 birds and can potentially last an entire century. described  Weaver birds' nests on the top of telegraph and telephone poles in the Namib desert region of southwest Africa. (Courtesy: Matt Mawson/Getty Images)  Nests built by the species are made from large twigs, dry grasses, straw, soft plants, cotton, fur, and fluff. The zoo also published that a "proper nesting tree has a long, smooth trunk and high branches to discourage slithering predators." This is perhaps what makes a telephone pole the perfect trunk for sociable weavers. The nests keep the sociable weavers cool in the summer and warm on cold nights. They welcome other birds inside, such as the South African pygmy falcon, pied barbet, familiar chat, red-headed finch, ashy tit, and rosy-faced lovebird. Vultures, eagles, and owls can also sometimes be seen on top of the nests. The added company is said to make for a more secure home from predators.  A view from underneath a sociable weaver nest. (Courtesy: Rui Ornelas/Flickr)  As for food, the zoo's page about the sociable weaver said that they "need less water than any other bird" and that "most never take a drink." They get their moisture from bugs. For more on the species, visit the San Diego Zoo website. San Diego Zoo website Several other photographs of the nests can be viewed on the Getty Images website. Several other photographs nests viewed In sum, ads promised to reveal something about a strange drone photograph that "we're not supposed to see." The long articles that resulted from the ads never mentioned the picture. In reality, it was shot from ground level and showed a massive nest built on a telephone pole by sociable weavers. Note: Photographs from Flickr are credited to Bernard Dupont and Rui Ornelas. Matt Mawson shot the Getty Images picture. The photograph in the ad, which went uncredited by the advertiser, appeared to originally be captured by Dillon Marsh. Bernard Dupont Rui Ornelas Matt Mawson Dillon Marsh 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 In late May 2016, Twitter users were circulating a rumor that Republican presidential candidate Donald Trump had derisively referred to Canadians as "Snow Mexicans": @ViewFromWise Did you happen to sew his post about Canadians the other day? He called them "Snow Mexicans". No lie, total truth. Wow!!! @ViewFromWise  Stephanie Barrett (@imfrog2) May 31, 2016 May 31, 2016  @GaryRayBetz @ViewFromWise Well he recently called Canadians "Snow Mexicans". I came across that on Twitter about 2 weeks ago. Wow.  Stephanie Barrett (@imfrog2) June 6, 2016 @GaryRayBetz @ViewFromWise June 6, 2016  Documentation for this rumor eventually appeared in the form of a purported screenshot of a tweet from Donald Trump's official Twitter account bearing a 22 February 2016 date stamp:  However, some elements of that screenshot didn't match Twitter's interface, suggesting it had been fabricated.  Indeed, Donald Trump's Twitter account issued a tweet at the very same time shown on the screenshot (6:31 PM Eastern Standard Time on 22 February 2016), but it had nothing to do with Canadians and made no mention of "snow Mexicans": tweet  It is fairly obvious the "snow Mexicans" comment was not an authentic Trump tweet, but rather an altered version of a tweet that referenced sending "illegals" out of the U.S.  And given the news media's intense coverage of Trump's sometimes incendiary remarks (on Twitter and elsewhere), it's exceedingly unlikely the GOP candidate could have issued such a comment without its having generated widespread media interest. On Oct. 11, 2023, a user on X named Matt Wallace (@MattWallace888) posted a video with a caption that claimed it showed the U.S. military "sending huge planes full of heavy-duty equipment to Israel," apparently to be used in its war against Hamas.  However, the video in the post showed clips that were at least four years old. In other words, the video had nothing to do with the Israel-Hamas war. post Israel-Hamas war As we previously reported, the account bearing Wallace's name is known for spreading baseless conspiracy theories following massive tragic events. He has even bragged about making money on X based on promoting such false rumors. reported baseless conspiracy theories bragged He was warned not to post this video from Maui, Hawaii, which it turns out is actually an explosion in Macul, Chile, in May. It got 20,000 retweets, 54,000 likes and 10 million views before being Community Noted. He's making money from viral false posts like this. pic.twitter.com/SjtJmNHm0X pic.twitter.com/SjtJmNHm0X  Shayan Sardarizadeh (@Shayan86) August 14, 2023 August 14, 2023  The video in question showed a C-5M Super Galaxy taxiing and taking off from a runway. During the taxiing process, several aircraft, possibly CV-22 Osprey and other helicopters, were visible on the ground. The video consisted of three total clips. We traced the first and third clips to a YouTube video that was uploaded on Oct. 5, 2019. It looked to have been recorded on the day before it was uploaded. The number on the side of the airplane appeared to be "7030." YouTube video The second clip in the video showed an airplane with the number "7045." That clip was at least months old, according to another YouTube video that showed the exact same shot at the 4:42 mark. In other words, Wallace's video showed two different aircraft, not one. YouTube video In Wallace's upload of these clips, the shots were mirrored horizontally. This mirroring made the words and numbers appear backwards. Sometimes, misinformation and disinformation purveyors mirror images and videos in order to try to avoid reverse-image search detection. We reached out to Wallace to ask if he was aware that the video was old. We also asked him if he was the person who horizontally mirrored the shots. This story will be updated if we receive answers to our questions. While the video itself was unrelated to the war, the rest of Wallace's post contained genuine reporting from The Associated Press that was published days following Hamas' surprise terrorist attack in Israel. That story read as follows: The Associated Press Hamas' surprise terrorist attack A plane carrying advanced armaments designed to facilitate significant military operations landed Tuesday evening at the Nevatim Airbase in southern Israel, the Israel Defense Forces said. We are grateful for the US backing and assistance to the IDF, and to the State of Israel in general, during this challenging period. Our common enemies know that the cooperation between our militaries is stronger than ever, and is a key part in ensuring regional security and stability, the IDF said in a statement. Further, on Oct. 10, the U.S. Department of Defense published specifics of the kind of equipment being sent to Israel: U.S. Department of Defense [U.S. President Joe] Biden and Vice President Kamala Harris spoke with Israeli Prime Minister Benjamin Netanyahu today and Biden assured him that the U.S. response to the events will be swift, decisive and overwhelming. "My team has been in near constant communication with our Israeli partners and partners all across the region and the world from the moment this crisis began," the president said. "We're surging additional military assistance, including ammunition, and interceptors to replenish Iron Dome. We are going to make sure that Israel does not run out of these critical assets to defend its cities and its citizens." For more details about the war, including the most recent death toll figures, we recommend referencing live updates from ABC News, The New York Times and The AP. ABC News The New York Times The AP Al Lawati, Abbas, and Nadeen Ebrahim. Israel Is at War with Hamas. Heres What to Know. CNN, Oct. 9, 2023, https://www.cnn.com/2023/10/09/middleeast/israel-hamas-gaza-war-explained-mime-intl/index.html. C-5M Super Galaxy Takeoff (2019). YouTube, Gung Ho Vids, Oct. 5, 2019, https://www.youtube.com/watch?v=SqY7YVqrytc. Haworth, John, et al. Israel-Gaza Live Updates: 22 Americans among the Dead.ABC News, https://abcnews.go.com/International/live-updates/israel-gaza-hamas/?id=103804516. Kingsley, Patrick, et al. Israel-Hamas War: Israel Agrees to Unity Government as War With Hamas Intensifies.The New York Times, Oct. 11, 2023, https://www.nytimes.com/live/2023/10/11/world/israel-news-hamas-war. Liles, Jordan. Biden Did Not Fall Asleep While Meeting with Maui Fire Victims, C-SPAN Video Confirms. Snopes, Aug. 22, 2023, https://www.snopes.com/fact-check/biden-asleep-maui-video/. Powered Vertical Takeoff with a Payload of 120 Metric Tons: C-5M Super Galaxy. YouTube, Future Machine Tech, May 4, 2023, https://www.youtube.com/watch?v=tNwHumNej-w. The First Plane Carrying US Armaments Lands in Israel, IDF Says. The Associated Press, Oct. 10, 2023, https://apnews.com/live/israel-hamas-war-live-updates#0000018b-1d0b-d13a-a5af-ffab53b50000. U.S. Flowing Military Supplies to Israel, as Country Battles Hamas Terrorists.U.S. Department of Defense, Oct. 10, 2023, https://www.defense.gov/News/News-Stories/Article/Article/3553040/us-flowing-military-supplies-to-israel-as-country-battles-hamas-terrorists/.