Is This Surprising Payment from an Unknown Individual Genuine?
In March 2020, the prospect of the U.S. government's sending out $1,200 stimulus checks to individual taxpayers as part of a $2 trillion emergency economic package for dealing with the COVID-19 coronavirus disease pandemic created a prime opportunity for grifters who engage in scams that involve luring victims by mailing checks to them. In particular, one several-year-old, check-scam warning was widely recirculated via social media:  Such warnings served a useful purpose in alerting many viewers to be wary of receiving checks in the mail from unexpected sources. However, they also poorly served audiences in misstating how the underlying scams connected with those checks work. It is not the case, as claimed in the warning reproduced above and in the following news clip, that the scammers who mail out these checks "do this in hopes of getting your account information when you deposit the check," and then using that information to clean out your bank account:  A little common sense would be relevant here: If your simply depositing a check provided the sender of that check with the means to obtain your personal banking information and drain your bank account, it would be unsafe for any bank customer to ever deposit any check  and clearly that is not the case, as millions of people maintain checking accounts without regularly falling victim to scammers. All such check scams have two essential components: 1) Scammers mail out counterfeit checks (often made out in the names of real organizations) to lure their victims into believing they are receiving money. 2) Scammers instruct their victims to send back some of the funds they supposedly received from depositing the fake checks (usually via wire transfer, Western Union, PayPal, or gift cards). The scammers count on the fact that funds from deposited checks are often made available to bank customers before the banks can confirm that the checks are authentic and have cleared. The victims of these scams, mistakenly believing they have received "free money" once they have deposited their fake checks, are then usually receptive to sending some of that money back to the scammers for some legitimate-sounding purpose. But by the time the victims' banks discover the deposited checks were bad, the scammers already have the money their victims forwarded to them, and the victims are stuck paying all of those funds back to their banks: deposited checks The person running the scam convinces a victim to cash a check and then send, via wire transfer, a portion of the money to another location. The portion kept by the victim can be called payment for a job, part of a commission, or a prize. However, the check turns out to be a very convincing fake. Banks in the United States are required to make funds available within a few days, but it can take weeks for a fraudulent check to be discovered. This means the wire transfers will happen long before the bank, or the victim, discovers that the initial check was fake. This scheme is effective because many consumers aren't fully aware of how the check-clearance process works: check-clearance Unfortunately, the term clear sometimes gets used prematurely. An item has cleared only after your bank receives funds from the check writers bank. Bank employees might tell you that a check has cleared, and your banks computer systems might show that you have those funds available for withdrawal, but that doesn't necessarily mean you can spend the money risk-free. In many cases, when a bank employee tells you an item cleared, they are saying you can spend that money with your debit card, withdraw cash from an ATM, or set up a payment online. Most of the time, this informal terminology is fine because funds typically arrive as expected. Most of the confusion around checks comes from bank policies and federal laws that allow you to spend money before a check really clears. Banks are required to make a portion of your deposit available quickly -- usually the first $200 or, on certain official checks, $5,000 -- and they might need to release the remaining funds after several business days. But that policy might prematurely provide access to the money. It does not mean the funds successfully arrived from the check writers bank. If a check bounces, the bank reverses the deposit to your account -- even if you already spent some or all of the money from that deposit. If you don't have enough money in your account to cover the reversal, you end up with a negative account balance, and you could start bouncing other payments and racking up fees. Ultimately, you are responsible for deposits you make to your account, and youre the one at risk. The lures that scammers use to dupe their victims into sending them the illusory proceeds from the depositing of counterfeit checks are many and varied: o Mystery Shopping Scam: Scammers engage victims to act as "mystery shoppers" by making purchases from various vendors in order to rate their service. The scammers then send out counterfeit checks to their victims, instructing them to keep a portion of the funds to cover the costs of purchasing and returning the goods and to compensate them for their time, then wire back the rest of the money. o Reshipping Scam: Scammers engage job-seekers to act as work-at-home re-shippers, receiving (possibly stolen) goods and sending them on to other locations. Then the counterfeit checks those re-shippers are sent to compensate them for their efforts and to reimburse them the shipping charges they incurred bounce, and they're left holding the bag. o Payment-Processing Scam: Scammers hire job-seekers to work as payment processors. The victims are instructed to open business accounts in their own name, deposit (counterfeit) checks sent to them into those accounts, then disburse the deposited funds as directed by the scammers. When the business account overdraws because the deposited checks are fake and bounce, the victim is on the hook for making restitution to the bank. o Windfall Scam: Scammers send out counterfeit checks that they declare are the proceeds from an inheritance, lottery win, or some other type of prize giveaway. Recipients are instructed to deposit the checks and return a share of the money to cover processing fees, shipping and handling charges, legal fees, taxes, or other charges. o Online Sales Overpayment Scam: Scammers agree to purchase items that have been advertised for sale or auction online, then send out counterfeit checks for greater than the sale price and ask the victims to refund the overpayments. o Rental Scams: Scammers respond to ads seeking roommates or tenants, send a check to cover the rent plus a little extra, then ask that the overpayment be forwarded to another party to cover moving expenses. As the U.S. Federal Trade Commission succinctly describes such scams: describes Fake checks drive many types of scams  like those involving phony prize wins, fake jobs, mystery shoppers, online classified ad sales, and others. In a fake check scam, a person you dont know asks you to deposit a check  sometimes for several thousand dollars and usually for more than what you are owed  and wire some of the money back to that person. The scammers always have a good story to explain the overpayment  theyre stuck out of the country, they need you to cover taxes or fees, you need to buy supplies, or something else. But by the time your bank discovers youve deposited a bad check, the scammer already has the money you sent, and youre stuck paying the rest of the check back to the bank.  The best way to avoid falling victim to such scams is not to cash or deposit checks for people you do not know, not to wire money to people you do not know, and not to spend funds from large checks you have deposited until you have verified with your bank that those checks have fully cleared. Brunelli, Laureen Miles.  "How to Recognize a Fake Check Scam."
  The Balance.  11 November 2019. Pritchard, Justin.  "Did That Check Really Clear?"
  The Balance.  24 February 2019. Tressler, Colleen.  "Anatomy of a Fake Check Scam."
  Federal Trade Commission.  5 September 2018. Loftsgordon, Amy.  "Fake Check Scams Target Job Seekers."
  Lawyers.com.  Accessed 2 April 2020.
As U.S. President Donald Trump faced impeachment following the deadly Capitol insurrection on Jan. 6, 2021, a video of a Texas pastor circulated widely online alleging that anonymous sources told him Trump would soon declare "martial law"  the temporary military takeover of civil functions such as policing and courts. faced deadly Capitol Rev. Wade McKinney, who leads a ministry in rural eastern Texas, used Facebook Live to stream himself talking in a vehicle for roughly 22 minutes on Jan. 9, and that video spread rapidly on YouTube and other platforms in the following days. In the footage, which Snopes obtained via McKinney's Facebook page before it was permanently removed, he said: other platforms I have got a lot of contacts the lord has helped me build over the last few years, and those contacts are people who have given me intelligence and given me information that has to do with our nation and it's future, so I could use it for Bible prophecy teaching. [...] We are looking imminently  and when I say imminently, I'm talking about the next two or three days  we're looking at a martial law being declared. This is coming straight from my contacts in D.C., ya'll. We are going to see martial law declared. What level, what degree of martial law? Whatever they have to do to bring things under a corrective mode. So, basically, what I'm trying to tell you is, you need to be prepared for there to be a martial law declaration. McKinney also claimed Trump's opponents in government "are going to be brought down" in some "house cleaning" and that the rest of America needed to prepare for that event. He urged viewers to secure cash, food, and supplies, such as fuel tanks for vehicles and bullets for gun owners, and develop communication plans should cell service supposedly stop. supposedly stop "It's the president's last effort," McKinney said of the alleged event, while making several other baseless claims regarding military efforts, the 2020 presidential election, and the Capitol insurrection. "We are in a battle for everything that God intended for this country." 2020 presidential election the Capitol insurrection   In short, the pastor alleged that Trump was preparing to invoke martial law and use military force to arrest his political opponents before Biden's inauguration on Jan. 20. use military force First, to investigate those claims, Snopes reached out to McKinney to learn more about his alleged sources in Washington, D.C., and unidentified military bases  people he did not name but said told him about the president's purported plans. The pastor did not respond to us. We will update this report when, or if, he returns our message. It is common practice for reputable news organizations to report information from credible people who requested anonymity out of fear of repercussions for speaking publicly and that journalists have cross-referenced with other sources. McKinney did not explain why, or under what circumstances, his alleged sources asked not to be named, nor did he outline any efforts to investigate their truthfulness. Now, let us explain the nature of the pastor's allegations. No federal statute nor the Constitution defines martial law. However, other executive authorities  such as those provided in the Insurrection Act  give presidents the power to deploy the military or the National Guard in U.S. cities, whether due to terrorist attacks, natural disasters, or other safety issues. Over the course of history, presidents have relied on martial law to order military forces to take the place of civilian governments, like in Hawaii during World War II. Insurrection Act like in Hawaii during World War II The Brennan Center for Justice said of martial law: said It describes a power that, in an emergency, allows the military to push aside civilian authorities and exercise jurisdiction over the population of a particular area. Laws are enforced by soldiers rather than local police. Policy decisions are made by military officers rather than elected officials. People accused of crimes are brought before military tribunals rather than ordinary civilian courts. In short, the military is in charge. [...] To some observers, a deployment of troops under the Insurrection Act might look and feel very much like martial law. Given the degree of confusion over the term, some within the media or the government itself might even call it martial law. Trump did not invoke the Insurrection Act before or after he encouraged his supporters to try to block a ceremonial vote to affirm Biden's presidency and an angry mob broke into the Capitol on Jan. 6. Insurrection Act encouraged Additionally, he had not declared martial law as of this writing, and no credible evidence showed that he was preparing to do so. If, like McKinney alleged, people within the White House or Department of Defense wanted Americans to know that Trump was preparing to make the declaration, history shows they would not turn to one pastor living in rural Texas to spread the important announcement. Instead, they would use official communication methods, such as a news conference or public statement, to broadcast it widely. Also, Americans should rely on emergency management departments for trusted information on when, and how, they must prepare for natural or human-caused emergencies. None supported McKinney's recommendations to stock up on food and supplies prior to Biden's inauguration. Nonetheless, thousands of National Guard members were patrolling Washington, D.C., in the days between the Jan. 6 insurrection and Biden's swearing-in ceremony, and the FBI warned law enforcement agencies nationwide of armed protests at all 50 state capitols. warned But all of those efforts by military forces and law enforcement agencies were unrelated to martial law and the Insurrection Act, and they were not a scheme by Trump to arrest his political opponents during the final days of his term. Rather, they were strategies to try to preserve government properties and safety in the event of more election violence. In sum, since no evidence existed to support McKinney's assertion that credible sources said Trump was preparing to invoke martial law, we rate this claim A chunk of residential Northwest Austin has bridled at the prospect of a low-rise office park becoming much more. Our attention was drawn to yard signs suggesting the towering redevelopment at the southwest corner of Spicewood Springs Road and MoPac Boulevard (Loop 1) would quintuple area traffic. Dallas-based Spire Realty Group LPseeks a zoning changeto build up Austin Oaks, an office complex with 12 buildings of two to three stories each. In a version of its proposal made public in 2014, Spire said that on the parts of the site closer to MoPac, it wanted to build two office buildings of 17 stories each, though those plans have since been trimmed to 10-story buildings or so, according toSteve Drenner, an Austin lawyer representing Spire in its zoning case. Initial plans, also since modified per Drenner, called for up to 610 apartments and townhomes in the three- to five-story buildings, plus retail and restaurant space. The soonest construction was planned to start was around 2020, after existing office leases expire. The 500% signs dont reveal any group or person as the originator or sponsor. By phone, Ann Denkler, a volunteer witha coalitionopposing the redevelopment, told us the group did not create them. City 'unable to verify' traffic impact  We reached out to city officials at first, wondering what data were available. By email, spokeswoman Sylvia Arzola told us: The project and the traffic impact analysis are currently under review. At this time we are unable to verify the traffic impact until a full evaluation of the project and accompanying mitigation is provided by the developer. Meanwhile, we found something close to the 500 percent claim in a September 2014 presentation by Jim Duncan of Austin, a city planner by profession. Duncan said he developed the presentation at the urging of a neighborhood friend and based his traffic projection on an engineering report written by another firm at the developers request. That report, Duncan said,  indicated daily car trips near the proposed Austin Oaks Planned Use Development would increase from 4,118 to 23,804 once the expansion was finished--a 478 percent uptick. We turned back to Arzola, who agreed by email it looks like the traffic figures indeed came from the developers consultants study. However, she noted, a fresh traffic analysis was released in May 2015 based on the developer changing what it seeks to build. Duncan said hed heard the revision talk and for that reason, he said, his calculation of the potential 478 percent increase in daily car trips near the project would likely be outflanked. Im sure the number is lower now, Duncan said. Traffic impact studies  Arzola emailed us two traffic studies for the project, dated a year apart, and another city official, Bryan Golden, emailed us excerpts from a study completed in August 2014 (which looked to us like the one Duncan relied on). Each study presents predicted  unadjusted daily trips in the area should the project be built out with predicted increases ranging from more than 300 percent to more than 480 percent. Generally, unadjusted daily trips means daily car trips in an area, a city official told us, without reductions accounting for trips internal to a development, say, or trips there on city buses. An unadjusted count rolls in trips expected due to existing developments plus the additional trips expected once the project is finished, Bryan Golden told us by email. The projections are generated by an engineering industry calculator, Golden said. The initial June 26, 2014, traffic impact analysis was completed by a professional engineer, Bobak J. Tehrany, for Bury-AUS, Inc. That analysis, of 14 nearby intersections and 11 proposed driveways, said the redevelopment on completion in 2031 would generate an additional 20,736 unadjusted daily trips by car compared to some 4,248 daily trips attributed to the existing office complex  which breaks out to an eventual 488 percent increase. With the redevelopment, Tehrany wrote, all but two of the nearby intersections would need improvements. That is, he said, the maximum desirable volumes are currently being exceeded along the roadway segments which were evaluated, though he also said that doesnt mean the roadways had exceeded their respective capacities. The Aug. 19, 2014, traffic impact analysis--taking into account a nearby intersection the city wanted to add to the analysis, Amanda Swor of Drenners firm told us by email--suggested the project would result in nearly 19,700 additional unadjusted daily car trips, up 478 percent from 4,118 of late. We didnt get a fix on why the count of current-day traffic went down. Most recently, the May 22, 2015, traffic impact analysis filed on behalf of the developers states: Based on the proposed land use intensities, it is anticipated that the development will generate a total of 19,819 unadjusted daily trips; however, due to the existing office land uses, the proposed redevelopment is anticipated to generate a net increase of 15,701 unadjusted daily trips. This is taking into consideration the trips which already exist on the roadway network due to the existing development. That is, once the development is done, nearby traffic would be up 381 percent from the 4,118 daily car trips of late. Developer's advocate says traffic likely to increase less  By phone, Drenner pointed out the May 2015 analysis includes a chart suggesting that once adjustments are made to account for car trips internal to the development, there would actually be a 332 percent increase in traffic. He said this latest analysis was based on Spires modified development planhalving the number of residential units and reducing retail uses  filed with the city April 30, 2015. Drenner said, too, the developers are suggesting $1.5 million in spending to improve nearby streets and creation of a fund that would accumulate money for area road improvements. Next, we wondered how much traffic near the site would increase if the developers added nothing. Denkler and Golden counseled that analysts assume a 2 percent annual increase in car trips. At our request, Golden calculated the 4,118 current unadjusted daily car trips would escalate 37 percent to 5,653 in 2031--again, provided theres no expansion on the site. Our ruling  Yard signs posted in opposition to a proposed Northwest Austin redevelopment say: 500 percent more traffic? Traffic studies filed in 2014 based on the developers original proposal support the 500-percent figure, yet the developer later submitted a revised plan and its May 2015 traffic analysis suggests at most a 381 percent increase in daily car trips, still a substantial spike. Perhaps the project and predicted traffic effects will continue to change. For now, taking into account the information available when the signs were made, we rate the claim Mostly True. MOSTLY TRUE The statement is accurate but needs clarification or additional information. Click here formoreon the six PolitiFact ratings and how we select facts to check. Claim:  The Obama administration is proposing a 1% tax on debit card usage and/or banking transactions.  Examples:  [Collected via e-mail, July 2010] The Transaction Tax!  WHAT THE HELL IS THIS??President Obama's finance team and Nancy Pelosi are recommending a 1% transaction tax on all financial transactions.The bill is HR-4646 introduced by US Rep Peter deFazio D-Oregon and US Senator Tom Harkin D-Iowa.Their plan is to sneak it in after the November election to keep it under the radar.See what Nancy has to say about this wonderful idea!https://tinyurl.com/24dn5udIt's only 1%! This is a 1% tax  on all transactions to or from any financial institution i.e. Banks, Credit  Unions, Mutual funds,  Brokers, etc.Any deposit you make will have a 1% tax charged.Any withdrawal you make, 1% tax.Any transfer within your account, a transfer to or from savings and checking, will have a 1% tax charged.Any ATM transaction, withdrawal or deposit, 1% tax.If your pay check or your Social Security is direct deposited, 1% tax.If you carry a check to your bank to deposit, 1% tax.If you take cash in to deposit, 1% tax.If you receive any income from a bond or a dividend from stock, 1% tax.Any Real Estate Transaction, 1% tax.This is from the man who promised that if you make under $250,000 per year, you will not see one penny of new tax! Remember, he is completely honest and trustworthy.Keep your eyes and ears open.   https://tinyurl.com/24dn5ud Folks, Nancy says this would be a minimal tax on the people, but 1 percent every time you pay a bill or make a deposit is not minimal. This would no doubt tax investment  transactions as well as bank account transactions.This woman is nuts!!!If you know someone in California get this to them!  While at the checkout of Wal-mart in Greeneville, TN I heard that in the future the government may be planning to place a 1% tax on people using debit cards at the check out.  I have heard discussion and seen on emails the fear that the Obama administration is going to pass a 'banking tax' that will take 1% of each deposit and 1% of every transaction out of a bank account. Summary:  The Obama administration has not proposed or recommended placing a 1% tax on all financial transactions.  The idea of the 1% transaction tax stemmed from a bill repeatedly introduced by a single congressman which had no support from any other member of Congress and no chance of passing. Origins:  Some members of Congress have what might be termed "hobby horse" issues: concepts about which they introduce legislation in Congress after Congress although their bills not only never come close to passing, but never even clear committee to be put to  votes in the first place.  The hobby horse of Representative Chaka Fattah of Pennsylvania is the notion of eliminating all federal taxes on individuals and corporations and replacing them with a revenue-generating system based on transaction fees (a concept he originally called the "Transform America Transaction Fee" and later referred to as the "Debt Free America Act"). Chaka Fattah Transform America Transaction Fee In 2004 Rep. Fattah presented a bill calling on Congress to fund a study regarding the replacement of the federal tax code with a transaction fee-basedsystem (H.R. 3759), he introduced a similar bill in 2005 (H.R. 1601), again in 2007 (H.R. 2130), and again in 2009 (H.R. 1703).  None of these bills was ever put to a vote, and only one of them had so much as a single co-sponsor. H.R. 3759 H.R. 1601 (H.R. 2130), (H.R. 1703) In 2010, Rep. Fattah moved beyond proposing studies and submitted the Debt Free America Act (H.R. 4646), a bill calling for the implementation of  a scheme to pay down the national debt and eliminate federal income tax on individuals by imposing a 1% fee on specified financial transactions: H.R. 4646 pay down One idea for raising taxes to pay down the debt is the bill introduced this February [2010] by Rep. Chaka Fattah (D-Pa.). His "Debt Free America Act" (H.R. 4646) would impose a 1 percent "transaction tax" on every financial transaction  whether paid by cash, credit card or any form of financial transfer, the only exception being transactions involving the purchase or sale of stock. Theoretically, everyone would pay one cent on the dollar for every such transaction in America every day  whether $3 million on a $300 million business acquisition, $300 on the purchase of a $30,000 car, or $5 on a $500 ATM withdrawal. Specifically, the text of the bill stated that: The purpose of [the transaction fee] is to establish a fee on most transactions. Such [a] fee:  is different than a sales tax in that a sales tax is charged only on sales to the final consumer, [while] the transaction fee would apply to intermediate users as well as end users   is different than a value added tax (VAT), commonly used in European and other countries, in that a VAT is imposed only on a portion of a transaction's value (roughly the difference between an item's selling price and its cost), [while] the transaction fee would apply to the entire amount of the transaction  is intended to raise sufficient revenue to eliminate the national debt, which was $10.6 trillion in January 2009, during a period of 7 years, and to phase out the income tax on individuals. [This bill would] impose on every specified transaction a fee in an amount equal to 1 percent of the amount of such transaction. The term 'specified transaction' means any transaction that uses a payment instrument, including any check, cash, credit card, transfer of stock, bonds, or other financial instrument. The term 'transaction' includes retail and wholesale sales, purchases of intermediate goods, and financial and intangible transactions. Persons become liable for the fee at the moment the person exercises control over a piece of property or service, regardless of the payment method. (The bill provided for individuals earning $125,000 or less to receive a credit equal to 1% of their income against the tax, and it gave the Treasury Department discretion to exempt certain transactions on which lower-income people disproportionately relied.) Like Rep. Fattah's other Congressional efforts along these lines, his Debt Free America Act had no sponsors other than himself,  languished in committee after being introduced, had no realistic chance of being passed. Thus, although e-mailed warnings about a "1% transaction tax" do reference a once-real piece of proposed legislation, the amount of attention those warnings garnered vastly, vastly outstripped any real possibility that such legislation would actually be enacted. Moreover, some of the additional details contained with such e-mailed warnings were erroneous:  Neither "President Obama's finance team" nor Nancy Pelosi is "recommending a 1% transaction tax."  The proposal for the  Debt Free America Act was purely the effort of a single congressman, with no outside support.  Neither Representative Peter DeFazio of Oregon nor Senator Tom Harkin of Iowa introduced the Debt Free America Act, co-sponsored it, or publicly supported it.  The included link that supposedly showed Nancy Pelosi endorsing the Debt Free America Act antedated the introduction of that bill to Congress; her comments actually referred to a different, earlier transaction tax proposed in December 2009 by Rep. Peter DeFazio.  That bill, known as the "Let Wall Street Pay for the Restoration of Main Street Act" (H.R. 4191), called for the funding of investment in middle class jobs by levying small percentage value taxes on the buying and selling of stocks, futures, swaps, options and other securities. (Although Rep. DeFazio's bill had 31 co-sponsors, it too languished in committee without being brought to a vote.) proposed H.R. 4191  Later versions of this item opened with the statement that "ON JANUARY 1ST 2012, THE GOVERNMENT IS REQUIRING EVERYONE TO HAVE DIRECT DEPOSIT FOR SS CHECKS. WONDER WHY?"  The Social Security program did switch over to an electronic payments system as of 1 March 2013 that provided recipients with the options of receiving their benefits payments either through direct deposit to a bank account or via the reloading of a debit card, but that change had nothing to do with the Congressional bill discussed above. Rep. Fattah reintroduced his Debt Free America Act (as H.R. 1125) to the 112th Congress on 16 March 2011. Like Rep. Fattah's previous efforts along these lines, Govtrack.us tagged it with the prognosis "This bill has a 0% chance of being enacted." H.R. 1125 Govtrack.us Last updated:  22 October 2013 Voting in the 2020 U.S. Election may be over, but the misinformation keeps on ticking. Never stop fact-checking. Follow our post-election coverage here. here On Sept. 27, 2020, The New York Times published a report after obtaining several years of U.S. President Donald Trump's tax returns. published a report As news broke that Trump had paid just $750 in federal income tax in 2016 and 2017  no federal income taxes in 10 of the past 15 years  in addition to the fact that he took an approximate $70,000 deduction for hairstyling during "The Apprentice," and that he has more than $300 million worth of loans coming due, a rumor started to circulate on social media that White House senior adviser Jared Kushner had quietly deleted all of his tweets from his Twitter account: no federal income taxes   This rumor is false. Kushner didn't delete all of his tweets following the NYT article about Trump's taxes.  The above-displayed tweet contains a genuine screenshot of the @JaredKushner Twitter account. This account has been online since 2009, but it has been used sparingly by its owner. Archived pages show that this account posted three messages back in March 2011  none of which was related to taxes  but was then inactive for at least three years. The few messages that were posted to this account were deleted sometime between 2014 and 2016, and no new messages have been posted since then.  JaredKushner March 2011 at least three years In other words, Kushner didn't wipe his Twitter account clean on the evening of Sept. 27 after the NYT published a story about his father-in-law's taxes. This account rarely posts tweets, and the three tweets that were shared to the account in 2011 (again, none of which were related to taxes) were deleted years ago.  This isn't the first time that someone has stumbled across Kushner's Twitter account in the aftermath of a controversy, noticed that it was barren, and then incorrectly assumed that Kushner had recently scrubbed it clean. In October 2017, shortly after Special Counsel Robert S. Mueller III revealed charges against former Trump presidential campaign chair Paul Manafort and two other campaign officials, social media users noted then that Kushner's Twitter account was suspiciously void of content, and falsely claimed that he had recently deleted all of his tweets. falsely claimed A few months later, when it was reported that Mueller may have interviewed Kushner in the course of his investigation into Russia's meddling in the 2016 presidential election, this false rumor again was circulated on social media:  reported   The @JaredKushner account has been devoid of content since at least 2016. Claims that he recently deleted his tweets in the wake of breaking news stories are false.  Apuzzo, Matt.  "Muellers Prosecutors Are Said to Have Interviewed Jared Kushner on Russia Meeting."
  The New York Times.  29 November 2017. Buettner, Russ; Craig, Susanne; McIntire, Mike.  "Long-Concealed Records Show Trump's Chronic Losses and Years of Tax Avoidance."
  The New York Times.  27 September 2020. On May 11, 2020, Bustatroll.org published an article positing that U.S. House Speaker Nancy Pelosi's daughters had been arrested after breaking into a liquor store for quarantine supplies during the COVID-19 pandemic: published article Pelosis Daughters Arrested Breaking Into Liquor Store For Quarantine Supplies The apples dont fall far from the tree, they say, and nowhere is it more obvious than in the case of Nancy Pelosis daughters. Often in trouble, they have lately shown that they share the trait most commonly associated with their mother..a hopeless addiction to alcohol. Both Melissa, 21, and Daphne, 19, were arrested this past weekend in San Francisco, California for breaking and entering. Officers were alerted to their crime by a silent alarm at This Is The Way To Liquor, a liquor store close to their home that had recently decided to temporarily close due to slow sales during the states lockdown. This item was not a factual recounting of real-life events. The article originated with a website that describes its output as being humorous or satirical in nature, as follows: Everything on this website is fiction. It is not a lie and it is not fake news because it is not real. If you believe that it is real, you should have your head examined. Any similarities between this sites pure fantasy and actual people, places, and events are purely coincidental and all images should be considered altered and satirical. See above if youre still having an issue with that satire thing. It should be noted that Nancy Pelosi has one son and four daughters, but none of Pelosi's children's names are Melissa or Daphne, as stated by Bustatroll.org. The image included in this article actually shows two entirely different women whose names are Michaella McCollum and Melissa Reid. The duo became known as the "Peru Two" after they were arrested for drug smuggling in 2013: Peru Two   For background, here is why we sometimes write about satire/humor. why Bustatroll.org.  "Pelosis Daughters Arrested Breaking Into Liquor Store For Quarantine Supplies."
  11 May 2020. Hanlon, Martina.  "Peru Two Get Six Years and Eight Months for Drug Smuggling."
  Irish Times.  17 December 2013. Claim:  During an interview with the Wall Street Journal, Barack Obama said, "a strong government hand is needed to assure that wealth is distributed more equitably." Status:  False. Example:  [Collected via e-mail, July 2008] Well, Barack has finally decided to step up and tell us what he has in mind for us with his promises of 'change.'  Just a few short days ago, he had an interview with the Wall Street Journal to further discuss his economic plans/policies for the future and he spelled it out quite clearly.  As you can see from the excerpt quote from that interview (below), he plans on officially doing away with capitalism and replacing it with his much favored system of socialism.  Many of us already knew of his strong socialist tendencies in the past, but he has now put it out there officially on record.  It is amazing that this article, and specifically this quote, is getting overlooked, especially when he is so direct and brazen about his plans.  Every single American who works for a living should be absolutely scared spitless.   Pass this along to everyone you can. Quote from Wall Street Journal: "a strong government hand is needed to assure that wealth is distributed more equitably." Barack Obama, WSJ, 6/17/08 If this doesn't scare Republicans to get out the vote, I don't know what would!! Origins:  This item comes from a 17 June 2008 Wall Street Journal article about Senator Barack Obama's economic plans for the U.S., some of which was based on an interview Senator Obama gave to that publication.not article Sen. Obama cited new economic forces to explain what appears like a return to an older-style big-government Democratic platform skeptical of market forces. "Globalization and technology and automation all weaken the position of workers," he said, and a strong government hand is needed to assure that wealth is distributed more equitably. (The phrase "a strong government hand is needed to assure that wealth is distributed more equitably" also does not appear in the Wall Street Journal's transcript of Senator Obama's interview.) transcript As for whether the phrase in question is a fair summary of Senator Obama's economic philosophy (whether or not he actually uttered those words), here is what he  said during the portions of the interview apparently summarized by that phrase: I do believe the tax policies over the last eight years have been badly skewed towards the winners of the global economy. And I do think there is a function for tax policy in making sure that everybody benefits from globalization or at least the benefits and burdens are shared a little more easily. If, as some talk about, we've  got a winner-take-all economy where the highly skilled, highly educated are reaping huge rewards and the unskilled or even semi-skilled are getting a much smaller share of the economy, then our tax policies can help cushion some of the blow through providing health care. So if people lose their jobs they're not losing their health care as well. That actually makes a more flexible work force that makes workers more mobile and less resistant to change. If we've got investments in education, that will make us more competitive in the long run. We've got to pay for that like anything else. But it would be a mistake to say I view our tax code only as a distribution question. I also think that our tax code has come to distort a lot of economic decision making so I'd like to see simplification as part of an overall tax agenda. On the corporate side, for example, one of the things I've asked my folks to look at is: Are there ways we can close existing loopholes in tax havens at the same time as we're lowering overall rates? We've got this new problem: The biggest problem with our tax code when it comes to the business side is that we have one of the highest tax rates  corporate tax rates  on paper but our effective tax rate is one of the lowest ... You know, how much you pay in taxes as a corporation a lot of times is going to depend on how good your lobbyist is, as opposed to any sound economic theories. So those distorting effects I'd like to actually remove and eliminate from our tax system, but obviously that's a complicated and difficult task. The last time we did it was in 1986. We're going to have to, I think, revisit that.  I say that the combination of globalization and technology and automation all weaken the position of workers. I would add an anti-union climate to that list. But all weakens the position of workers, particularly blue-collar workers, in the economy, and some of it is just historical. You know after World War II,we were in this unique position where Europe was decimated, Japan was decimated. China was off the grid because of Mao. And so we didn't have a lot of competition out there, and now other countries are rising and automation has supplanted a lot of work that used to be done by middle-class workers. We have drastically increased productivity since 1995, and there was the theory that if you increase productivity enough some of these problems of living standards would solve themselves. But what we've seen is rising productivity, rising corporate profits but flat-lining or even declining wages and incomes for the average family. What that says is that it's going to be important for us to pay attention to not only growing the pie, which is always critical, but also some attention to how it is sliced. I do not believe that those two things  fair distribution and robust economic growth  are mutually exclusive. You get to a point, I think, if you have a participatory income tax, for example, where you might be discouraging work because marginal rates are so high. You might undoubtedly get to a point where the capital gain and dividend taxes are so high that they distort investment decisions and you're weaker economically. But you know if you've got a sensible policy that says, we're going to capture some of the nation's economic growth ... and reinvest it in things we know have to be done, like science and technology research or fixing our energy policy, and then that is actually going to be a spur to productivity and not an inhibitor. Last updated:  17 August 2008    Sources:   Davis, Bob and Amy Chozicks.  "Obama Plans Spending Boost, Possible Cut in Business Tax."   The Wall Street Journal.  17 June 2008  (P. A1).    Davis, Bob and Amy Chozicks.  "Barack Obama on Economics: 'We're Going Through a Big Shift.'"   The Wall Street Journal.  17 June 2008. On 24 September 2016, the Associated Media Coverage fake news site, which has now rebranded itself as the Boston Tribune,  published an article reporting that a woman with a concealed carry permit had saved multiple lives by stopping a department store shooter: article 37-year old Lisa Harris saved the lives of multiple people after using her concealed carry pistol to take down a department store shooter in Virginia. According to witness statements, the shooter, who has since been identified by police as 41-year old Randall Pierce, entered Bradfords department store Saturday evening at approximately 5:10 PM. According information provided by Chief of Police Matthew Collingsworth during a press-conference, the security footage provided to investigating officers by the Bradfords loss prevention department shows an agitated Randall Pierce walking briskly throughout the department store for approximately 6-minutes prior to retrieving a .223 caliber AR-15 assault style rifle concealed under his long-jacket. There was no truth to this report. Associated Media Coverage is a well-known purveyor of fake news that has been shamelessly exploiting recent occurrences of gun violence by publishing fabricated clickbait stories reporting similar incidents (in this case playing on the 23 September 2016 shooting deaths of five people at the Cascade Mall in Burlington, Washington). purveyor deaths Although many readers may now be familiar with Associated Media Coverage's reputation, the site has recently started publishing articles under the banners of fictitious newspapers such as The Boston Tribune and The Baltimore Gazette:  While Associated Media Coverage may be changing their name to The Boston Tribune, their content is still nothing more than fake news. In May 2022, we received inquiries from our readers that asked if an email message from the "Jeff Green Foundation" was legitimate. According to the email, a philanthropist named Jeff Green had decided to give away $1 million each to 20 different lucky recipients. However, this had all the signs of a classic email scam. Jeff Green scam According to a screenshot captured by a reader, the email appeared like this:  We transcribed the scam email below: scam From: Jeff Green Foundation Subject: My philanthropy! To: YOU Reply-To: privatewealth.donation@webmail.hu Greetings to you and your family. In a thousand years, I never thought I would do something like this. My Name is Jeff Green, Below is a Link of me and what i do. https://www.forbes.com/profile/jeff-t-green/?sh=1fc2467a41e2 https://www.forbes.com/profile/jeff-t-green/?sh=1fc2467a41e2 https://www.fox13now.com/news/local-news/billionaire-utahn-to-give-away-90-of-his-wealth https://www.fox13now.com/news/local-news/billionaire-utahn-to-give-away-90-of-his-wealth https://www.sltrib.com/news/2021/11/16/richest-utah-native-vows/ https://www.sltrib.com/news/2021/11/16/richest-utah-native-vows/ When I was 17, I met a homeless man named James in Five Points, Denver, Colorado. I spent hours listening to him, his stories, and the twists and turns of choice and fate that led him to a life on the streets. His journey deeply affected me, and I found myself dwelling on it a great deal over the following months, unable to shake one core question that was taking root in my mind - Why is he out here on the streets in the December cold while I am living a more comfortable life? I think this adage is generally true: luck is preparation meeting opportunity. But I also understand that many people experience major life events that obstruct their preparation and as a result, opportunity passes them by. I also believe that we all encounter people who can propel us forward or hold us back. No one gets to their situation in life alone, good or bad. I didn't get to this statistically outlying position alone, and neither did James. Money cannot buy happiness. Money can buy things that make life more enjoyable. But those things and that enjoyment are always fleeting. When you think about the problems you face in life, the accumulation of things is rarely the solution. My philanthropy is not about politics or handouts - it is about getting the best outcomes for all the potential talent, which can only benefit our nation, and humankind. It will help people step up to opportunity, not lay back. I will give away the vast majority of my wealth through data-driven philanthropy before or at my death. My target is more than 90 percent of my wealth. But I will also give of my time, my most precious commodity, to allocate those funds deliberately, and to be personally engaged. So I decided I was going to contact 20 people via their email address which I paid for from a Data Firm. If you receive this email, I am giving you $1 Million. Thinking about it again, I must be crazy to do something like this but crazy is what made me who I am today so lets go for it! All you have to do is reply to this email with your full names and you will be paid $1 Million. My Life's Mission is to deploy capital against humanity's toughest problems. Jeff Green. A search of Twitter showed that several users were curious whether the "Jeff Green Foundation" email was legitimate: Twitter    We didn't find any similar messages available on Facebook, but it's likely that some users were discussing the email in private posts only visible to friends. Facebook Some of the paragraphs in the "Jeff Green Foundation" email scam were copied and pasted from the text of a genuine letter written by a real philanthropist named Jeff T. Green. In November 2021, Green truly did pledge to try to give away "more than 90 percent" of his billions in wealth. scam a genuine letter billions However, there's no indication that Green or his foundation had anything to do with the email scam. scam We quickly noticed several issues with the "Jeff Green Foundation" message. Before the email got into the "when I was 17" story from the genuine letter, several words were either capitalized or not capitalized that should have been the reverse. For example, one usage of the word "I" was left to be lowercase as "i" in the same sentence as an oddly-placed comma: "My Name is Jeff Green, Below is a Link of me and what i do." Additionally, the sentence was poorly worded. The message also asked recipients to respond to privatewealth.donation@webmail.hu. The idea that a billionaire philanthropist would publish an email with such poor grammar and, at the same time, ask people to respond to a fairly generic Hungarian email address, did not scream "legitimate." We reached out to a company associated with Green to see if they had been alerted to the scam that used his name. We will update this story if we receive a statement. scam In sum, no, the "Jeff Green Foundation" emails that promised $1 million each to 20 different people was not a legitimate giveaway. Jeff T. Green. The Giving Pledge, https://givingpledge.org/pledger?pledgerId=430. Stack, Peggy Fletcher. Richest Utah Native Vows to Give Away 90% of His Billions. The Salt Lake Tribune, 16 Nov. 2021, https://www.sltrib.com/news/2021/11/16/richest-utah-native-vows/. Swant, Marty. Billionaire Jeff T. Green, Founder Of The Trade Desk, Joins The Giving Pledge. Forbes, 16 Nov. 2021, https://www.forbes.com/sites/martyswant/2021/11/16/the-trade-desk-founder-jeff-green-joins-list-of-billionaires-to-sign-the-giving-pledge/. Tavss, Jeff. Billionaire Utahn to Give Away 90% of His Wealth. KSTU, 16 Nov. 2021, https://www.fox13now.com/news/local-news/billionaire-utahn-to-give-away-90-of-his-wealth. Florida Gov. Rick Scott vetoed a record $615 million from the 2011-12 state budget on May 26, 2011, targeting an array of money for projects such as university buildings, arainwater studyand$4.8 million for public broadcasting.The latter cut causedstation managers across the stateto worry about possible layoffs, station closings and an increased reliance on private donations.In a June 2 interview, ABC 27 reporter Jerry Hume in Tallahassee asked Scott if vetoing public broadcasting dollars was a hard choice compared to other line items. Here is Scott's full response (available byvideo):I don't think the state ought to be paying for that. But the easy ones are things like studying how to collect rainwater, stuff like that, and a new barn and things like that. But there's a lot of tough ones. But the way I thought about it was, what should state government be doing? I mean, there's a lot of good things in there, but they were local issues, or charity should be doing it, or there's a better way of doing it, or we're already doing it a different way.And on top of that, I don't want to increase the debt in the state. We already have $23 billion worth of debt, so those are things I thought about. But really, it was how do we get jobs going?Scott mentions the state debt as support for his big cuts, even though the state wasn't going to issue new debt just for public broadcasting. But it got us thinking: How big is the state debt, anyway?Turns out, this isn't the first time Scott has bemoaned the state's debt. In late May,Scott warned he was thinking about vetoingPublic Education Capital Outlay projects, which pay for college and university construction projects and represent the state's largest bond program. He said the added debt of $134 million could jeopardize the state's credit rating and increase costs of future borrowing.I'm clearly focused on the amount of debt the state has, Scott said then. I'm clearly focused on the debt rating.Where does he get that number?Our search for the state debt level starts with Scott spokesman Lane Wright. He directed us to aDecember 2010 report on Florida's debt affordability, written by the State Board of Administration's Division of Bond Finance.The division is responsible for executing bonds authorized by the Legislature and administers financing programs for educational facilities and transportation projects, among other programs.As of June 30, 2010, the state's total overall debt outstanding stood at $28.2 billion.Now, this doesn't mean Scott's figure is off from the get-go. That $28.2 billion figure includes $23.6 billion for net tax-supported debt and $4.6 billion for self-supporting debt.These are important differences to understand (page 7of the document is helpful).Net tax-supported debt, which Scott seems to reference in his TV interview, is debt accrued when the state issues bonds to raise money for spending on projects such as PECO, Everglades restoration, right-of-way acquisition for roads and bridge construction.Self-supporting debt is made up of bonds that include a source of revenue, and is excluded when calculating the state's benchmark debt ratio. Examples of this are bonds to build toll roads, covered by the tolls, or university dorm maintenance, covered by student fees.Net tax-supported debt is paid off through the state's ability to tax all residents and tourists, while self-supporting debt is paid off by the people who pay to use the facilities.The benchmark debt ratio is important SBA jargon for measuring the state's annual payment on borrowed money, said Ben Watkins, the division's director. The annual payment, called debt service, works kind of like a mortgage, in which you pay off a chunk each year over a certain span of years. Debt service is based on tax-supported debt.To calculate the benchmark debt ratio, the division divides the annual debt service -- for tax-supported debt only -- by available state revenues.Florida Statutes say the ratio should not exceed a target of 6 percent and a cap of 7 percent. But in 2010, it was over the cap at 7.91 percent. That did not happen as a result of outstanding debt, Watkins said, but declining state revenues (the denominator of the benchmark ratio equation). The Legislature authorized more borrowing in 2010 due to a critical state emergency, pursuant to state law.The law on benchmark debt ratios is really a soft policy limit to give lawmakers perspective on how much debt the state can afford, Watkins said. The cap is seen as a planning tool and not an absolute ceiling, though other states have hard limits. Still, exceeding the soft cap should signal the state has borrowed all it should, and more borrowing should happen for absolutely essential projects, Watkins said.Anyway, Florida pays about $2.1 billion a year for debt service on the state's tax-supported debt.There's another type of debt to consider, called indirect debt. Unlike tax-supported and self-supported debt, this category does not get as much attention because the debt obligation lies with a separate legal entity such as Citizens Property Insurance, Florida Hurricane Catastrophe Fund Finance Corporation, water management districts or the Florida Housing Finance Corporation -- not the state. As of June 30, 2010, the indirect debt total was $16.4 billion. It is a whopping figure, but it is not included in the state's debt ratios or debt burden, according to the report.We mention all of this to explain that Scott is essentially short-handing the state's debt by describing it as $23 billion. But that's not necessarily a bad thing.This is the debt (figure) that matters to the state from a financial management perspective, Watkins said.Putting Florida debt in contextNow that we've considered the 2010 financial report, we looked for another opinion to make sure we understood all the context. Florida TaxWatch, a group that analyzes state spending and taxes, uses the same data supplied by the Division of Bond Finance to track the debt.Kurt Wenner, TaxWatch vice president of tax research, echoed much of Watkins' analysis and agreed that $23 billion is probably the most accurate figure to use to describe the state debt.That is the amount of debt that is backed by Florida taxpayers, Wenner said.Florida's debt doesn't get as many people talking as the country's $14 trillion-plus national debt. One explanation is that Florida has a balanced budget requirement, Wenner said. So it cannot spend money it simply doesn't have, like Washington does.Florida's borrowed money goes toward bricks and sticks projects, Watkins said, and not for normal government operations.Florida's total outstanding debt last year grew $1.8 billion, exceeding the $1 billion average for the past decade, according to the report. Still, the debt is considered moderate and manageable at its current level.Our rulingScott said he thought about the state's $23 billion debt as he weighed whether to veto certain programs. We verified that figure with the Division of Bond Finance's most recent estimate, and experts consider the figure a street convention to describe the debt. We rate his claim True. On Nov. 11, 2020, Bloomberg reported that strategists at Deutsche Bank, one of the largest financial institutions in the world, recommended levying a tax against people who plan to continue working from home, arguing that "remote workers should pay a tax for the privilege. At least on Twitter, this was a poorly received take. One particularly viral response alleged that the bank "funded Auschwitz, Donald Trump, Jeffrey Epstein and ISIS." reported response     As we show below, the tweet is a largely accurate recounting of history, though the assertion that the bank funded ISIS overstates what is publicly known at this time. In 1999, during negotiations to merge with the New York-based Bankers Trust, the Germany-based Deutsche Bank disclosed that it had helped finance the construction of the Nazi death camp Auschwitz. As reported by Reuters at the time, Deutsche Bank's historian, Manfred Pohl, described the bank's loans to companies involved in multiple aspects of Auschwitz, including loans for construction of the camp and its incineration units, as well as to a company involved in the production of the deadly Zyklon-B gas, which the Nazis used to murder millions: reported Manfred Pohl, head of Deutsche Banks historical institute, said newly uncovered documents showed the bank had links with firms that built the camp in Poland. It also had credit links to one company that made incineration units and funded another whose subsidiary made the Zyklon-B gas used in the camp. On examination of credit records, we determined that branches . . . had credit links to local companies which were active at the construction site . . . in Auschwitz, Pohl said at a media briefing in Frankfurt. Pohl told reporters that the existence of these loans would have been known to high-ranking managers of the bank. "It is clear that this was known as high up at the main office in Katowice. It is not certain whether it was known in Berlin," Pohl said, though he added these loans would have had to be approved in Berlin to go ahead. Deutsche Bank has had a relationship with U.S. President Donald Trump since 1998. As reported in The New York Times, "Over the course of two decades, the bank lent him more than $2 billion  so much that by the time he was elected, Deutsche Bank was by far his biggest creditor." Speaking to Reuters in November 2020, one bank official said that the Trump Organization currently has around $340 million in outstanding debt from the bank: reported Reuters Deutsche Bank has about $340 million in loans outstanding to the Trump Organization, the presidents umbrella group that is currently overseen by his two sons, according to filings made by Trump to the U.S. Office of Government Ethics in July and a senior source within the bank. The three loans, which are against Trump properties and start coming due in two years, are current on payments and personally guaranteed by the president, according to two bank officials. According to that Reuters report, the bank is looking to distance itself from the president moving forward. Their relationship with Trump "cemented Deutsche Banks reputation as a reckless institution willing to do business with clients nobody else would touch," they wrote. "It has made the company a magnet for prosecutors, regulators and lawmakers hoping to penetrate the presidents opaque financial affairs." Regardless, Trump's history with Deutsche Bank is factual and well known. Reuters According to a 2019 report by the New York State Department of Financial Services, "the relationship between Deutsche Bank and Mr. Epstein officially began on August 19, 2013" and eventually involved his opening and funding "more than 40 accounts at the Bank." 2019 report Controversially, they entered into business with Epstein after his 2008 arrest for the solicitation of a minor and after other media revelations about Epstein's alleged trafficking of underage women for sex. Some of these Deutsche Bank accounts were involved in suspicious transactions including, according to The New York Times, "suspiciously large cash withdrawals and 120 wire transfers totaling $2.65 million to women with Eastern European surnames and people who had been publicly identified as Mr. Epsteins co-conspirators." according In July 2020, Deutsche Bank agreed to pay $150 million to the New York State Department of Financial Services "to settle allegations that it maintained weak internal controls, including processing hundreds of transactions for Jeffrey Epstein despite the billionaires troubled history." The bank has since apologized for its association with Epstein. apologized In the banking world, Suspicious Activity Reports (SARs) are notifications made by financial institutions to the United States government about potentially suspicious or illegal activity. A transaction labeled suspicious in these reports does not necessarily indicate illegal activity, however. SARs issued about transactions involving Deutsche Bank have been used to link them to ISIS in multiple investigations. made In December 2017, BuzzFeed News reported on SARs showing that Deutsche Bank had been engaged in business with a corrupt Cyprus bank named FBME that "served as a major conduit to terrorism, organized crime, and chemical weapons." The SARs revealed that "Deutsche processed hundreds of millions of dollars of suspicious transactions for FBME clients  including a Kremlin-linked network of Russian slush funds funneling money to financiers of the Syrian regime and a businessman trading oil with ISIS." The reports do not indicate, however, that Deutsche Bank knowingly participated in illegal activity. reported In September 2020, the existence of an even larger trove of SARs obtained by BuzzFeed News and shared with the International Consortium of Investigative Journalists (ICIJ) was announced. The collaboration  a project named the FinCEN files  led to hundreds of stories in newsrooms across the world. One story, published by Arab Reporters for Investigative Journalism (ARIJ), identified further transactions that could point to a potential involvement of Deutsche Bank in the movement of funds to, from, and within ISIS held territory. FinCEN files story The files, ARIJ said, "reveal suspicious money transfers of at least $4 billion flagged by Deutsche Banks US branches and Bank of America to a number of Iraqi banks between June 15, 2014 and June 30, 2015." Though the files do not indicate which bank branches were used, they reported, "the transactions were sent and received during the height of the Islamic States reign and its control over several Iraqi bank branches." The report notes that "many of the banks in northern Iraq were in areas of IS [Islamic State] influence, and such transfers could be the proceeds of the illicit oil and gas trade that the organisation largely relied on in its areas of control." said While suggestive of an at least unwitting role for Deutsche Bank in ISIS related finances, these reports are not strong enough evidence to support the statement that Deutsche Bank "funds" ISIS. Because there is some truth to the ISIS claim, and because the other assertions are true, we rank the overall claim made in the viral tweet as "true."