Author Archive for Cynapse

03
Mar

Lethal Lucia – The Facebook Spammers are Here

There I was minding my own business on Facebook when a friend request popped up.  Now how nice is that? Someone wants to be my friend.  After 2 years of social networking the requests start to slow down and navigating the site becomes a test of navigating through melodramatic status updates and covert invitations to Mafia Wars / Mobwars / Youville / Happy Aquarium / etc.

Lucia is not a bad looking gal...

Lucia Pahmeier … nope, doesn’t ring a bell.  She seems to be a good decade younger than me to boot, so it can’t be school or co-op.   Sometimes it’s good to take a chance, and being a male, my brain isn’t the only organ weighing in on the pros and cons.  Still, Lucia only has 2 friends?  I’m one the first people she thought to contact on the web?  Seems unlikely.  A few warning bells go off.

Lucia got something pierced … what, I wonder?  The alarm bells are very loud now.  The clincher is that Lucia is unable to put up any more pictures in facebook (what else do young ladies do on Facebook apart from spread sappy memes and play Farmville?)  but she leaves a link to pictures.  Riiiiiigggght.  Good chance that obvious link forwarding URL is heading to a porn site.  Part of what made MSN Messenger unusable was having to deal with 20+ friend requests per week from what amounted to she-bots promising hours of online sexual self-gratification if only you’d come visit an external website.  Facebook seemed to be somewhat resistant to such sly advertising though obviously someone could just create a profile and try to snag males seeking another “hot chick” for their Facebook stable.

Mystery Solved.  I shall not sign up.

And there you have it.

Facebook is now officially a spam target.

Lucia acquired about 50 friends before her friend request and profile disappeared.  This was no doubt due to complaints from real users but she won’t be the last of her kind.  Facebook’s social network is too rich for Porn / Viagra / etc sites not to try penetrating its secure layers.

The important part of this story is that I did not let Lucia become my friend and in turn have access to my personal details.  As mentioned in an earlier Facebook tutorial, advertisers are very eager to get get access to user demographics, which tend to be cleaner and more appropriate for marketing purposes than most other sources (and are of course free).  Think twice before you accept a friend request unless you absolutely know the person.   Also, don’t be afraid to send a private message for confirmation before accepting.

01
Mar

Discovering African Ancestry Through DNA Testing (2/3)

Please read Part 1 if you have not already.

Like many who use DNA for ancestral discovery, I didn’t understand entirely what was going to be tested when I first signed up with Genebase. The common mistake is to think that the tests will determine the entire ethnic makeup of your mother or father (not to mention yourself). As explained in part 1 of this series, the yDNA and mtDNA tests simply look down your line of fathers and mothers respectively. In the proverbial family tree, they each follow a single branch, leaving virtually the entire bush untouched.

Of course I figured this out as I read Genebase’s excellent tutorials – which only became available over the past year or so. Indeed, you will find several websites with complaining about Genebase’s processing time and customer support. Most of the complaints registered before 2009 were warranted but now the website is comprehensive and the turnaround time for processing samples is usually much shorter than the estimated 6-8 weeks.

So what was I looking for from this test? Primarily some sort of connection, no matter how arbitrary, to the motherland. Africa’s diverse cultural landscape was compressed to a single label -black- with the Atlantic/Arabic slave trade and the label “black” roughly translates to “lower caste” in practical terms. Virtually any negative stigma that applies to some portion of our population -criminal tendencies, low IQ, lazy, irresponsible- is automatically assumed of the entire population. These images did not reflect my family who count professors, engineers and executives among their ranks, and so they served as my role models as opposed to some street stereotype. Regardless, it became tiresome to hear the self-congratulatory tone of some of the older locals in my rural setting: “You should be thankful you are here under our thumb; otherwise, you would be in Africa eating dirt half naked”. Of course Africa was not always in that state (it still isn’t entirely that way) and in later years I noticed a decidedly less bitter tone among African immigrants when compared to locally-born and Caribbean-born blacks. The primary reason, I realized, is because these African immigrants had a connection to their roots and culture – a culture in which they were the primary actors rather than a (barely) tolerated annoyance. Theirs was not merely a story of slavery, segregation clawing for mere survival. Most of Africa sported a pretty decent civilization at some point, from Egypt’s pyramid-building predecessors in Nubia to the gold-soaked trade routes of Ancient Ghana to the mysterious stone structures of Great Zimbabwe. I wondered whether I had even a tenuous connection to any of these ancient cultures.

Also I was generally curious about what might turn up. Between both sides of my family there is reddish hair, slanted yes, grey eyes and a wild variance in skin tones. Such variation in appearance, even between full siblings, is typical of many families with Caribbean or American roots (I have both).

My Ancestral Journey – Papa Edition

The fist test results I got back were for yDNA which determines the deep ancestry along my paternal line (father’s, father’s … father). I was curious to see which haplogroup passed down his line – perhaps the A-Group common in Ethopians or Khoisan? Maybe it would be the B-Group most common among Western Africans (the largest source for the slave trade)? Alas, the answer was neither -

Y DNA Haplogroup Path to I

Migration path of I-Haplogroup

Genebase’s test results show that I actually belong to the I-Group, a European-based haplogroup that evolved from our earliest ancestors in East Africa. The series of letters shows the exact path of migration and mutation, starting from the original ancestor, changing into the important Egyptian-based F-Group (considered to be the source of all non-African populations) and eventually splintering from the J-Group and K-Group after migrating into Europe. The map provides a more graphical version of my ancestor’s journey. Genebase provides the following description of the I Haplogroup:

The founder of Haplogroup I lived approximately 25,000 years ago in the Balkans during the last Glacial Maximum.  He is the direct descendent of Haplogroup F ancestors who had journeyed from the Middle East into the Balkans.  Today, the highest frequencies of Haplogroup I are found in the Balkans, near the Dinaric Mountain chain in Croatia.  Haplogroup I is strongly associated with Croat populations, namely Slavic people living in Croatia, Bosnia and Herzegovina and other nearby countries.

As the ice sheets retreated at the end of the Ice Age, these ancestors continued their journey northward into Northern Europe, in particular Scandinavia (a region in Northern Europe named after the Scandinavian Peninsula).  Today, a large portion of Scandinavian populations in the Adriatic regions, including Denmark, mainland Norway, Sweden, and Finland trace their ancestry to this line.  Vikings also likely descended from this line.  The detection of low frequencies of this haplogroup on the British Isles, France and some Celtic populations may be the result of more recent Vikings raids in these regions.

The last sentence was of particular interest – I have a very Celtic name uncommon among western black populations. Regardless, shock led to questioning, which led to the gnashing of teeth by older relatives and a begrudging admission that my great grandfather was in fact a Scotsman, presumed to be from the highlands. The I-Group isn’t very common in Scotland but was common among the invading Vikings. Thus, my paternal line may not have been in Scotland for very long.

At this point, I could have taken a subclade test to determine where within the I-Group my paternal line resides. However, due to certain genetic markers the initial STR assessment was able to determine also certainly that I belong to the I1a subclade, most commonly found in Sweden and relatively rare in Scotland. It is possible that my great grandfather may have been the long-term product of a Viking raid either directly on Scotland or a nearby region such as the Orkney Islands.

Next, it was time to compare my yDNA sample to all the other users in the database. Who might match me the closest and where would they reside?

Selecting Test Stringency in DNA Reunion

Genebase allows users to determine how strict to make the search by setting a minimum number of matching markers and maximum genetic distance (marker values that differ). After clicking Find Matches, the user receives a list of close matches, where they reside from and the option to guess how many generations ago the respective family lines diverged. Genebase also provides a tally of ethnic backgrounds and a google map of current locations for all matches. Note that this data is user-input and sometimes subject to what people THINK their background may be rather than what a “perfect-world” DNA test might show.

Finally, it was onto the really fun test – which “indigenous” ethnic group most closely matched my yDNA sample? My African reunion in shambles, this test was more a matter of determining which part of Scandinavia may have produced the offending Viking.

Selecting Test Stringency in Indigenous DNA

Once again, Genebase provides the option to set how many overlapping markers to test. More markers generally ensures more accurate results but may result in fewer populations to compare. Users should try to match on the largest number of markers that still provides realistic population samples (see below).

Selecting Comparison Populations in Indigenous DNA

Genebase analyzes yDNA samples and preferences to provide 1 or more population sets for comparisons. Data is taken from many journals created worldwide, providing a best-line-of-fit approach to matching indigenous groups. A good strategy might be to try different options and if one particular ethnic group keeps appearing at the top of the comparisons then there is a good chance your paternal line has something in common with the paternal line of participants in that ethnic samples.

Indigenous DNA RMI Matches for yDNA Sample

From the results, it can be seen that my two top yDNA matches were both Danish – presumably from different journals, which adds credibility to the result. The rankings are being determined by RMI (relative match index) value, a ratio indicating the likelihood that the sample matches a given group vs the rest of the world population. For instance, these test results suggest that my yDNA line is 29.38x more likely to belong to the top Danish sample compared to the rest of the populations in the world.

Notice there is a group called U.S Caucasian. There are several non-indigenous samples like this across the journals (African American, Brazilians of non-black Decent, Asian-American …) and they seem to serve as controls. For instance, if US Caucasian shows up very close to the top of a yDNA match list, there’s a chance the sample are not matching closely to any indigenous group. A possible solution might be to increase the number of matching markers and re-run the test.

As for interpreting my results … Denmark is at the crossroads of the Anglo-Saxon and Scandinavian worlds, so it’s reasonable to assume that my paternal line moved form Scandinavia to the British Isles by way of invasion, later moving to the West and obviously crossing paths with the Afro-diaspora.

This is about as far a yDNA can get one for the time being. What is it worth? Depends on what you’re looking for. Due to the not uncommon relations between slave owners and their female slaves, a sizable portion of African American males will have a European y haplogroup (mostly the R-Group which is dominant across Europe) and an African mt haplogroup. Thus, western blacks taking DNA tests must acknowledge the very real possibility that no direct African link will be found by tracing the paternal line.

Next up: the maternal line

Part 3: Coming Soon

28
Feb

Discovering African Ancestry Through DNA Testing (1/3)

Every Black History Month, many Americans and Canadians of African descent are confronted with one simple question – why do we need a Black History Month? After all, there’s no month dedicated to white history or gay history. The black history tradition dates back to 1926 and was founded by American historian Carter G Woodson, who sought to preserve and propagate knowledge of the artifacts and publications about the contributions of African-Americans to American life. The holiday was originally called “Negro History Week” and later expanded to a month-long celebration.

Of course this all took place before the rise of mass media, the internet and, most importantly, the legal rights that allow blacks in the United States to control their own destiny. Now in the digital age, discovering black history is as easy as visiting Wikipedia or scouring for an old copy of Encyclopedia Africana. So, why are so many black people still deeply attached to a concentrated celebration of widely-available information?

Part of the answer may be that assorted factoids about George Washington Carver and Harriet Tubman are the most intimate history many blacks have – due in part to slavery and the destructive breeding practices learned from that era. History within individual families can be hard to follow, with available information starting after the slave ship landed on American soil. The very label “African-American” implies a lack of knowledge about actual ethnic identity – a Somali has a considerably different culture and history than a member of the Ashanti tribe. Comparatively, the term European-American is rare except when in use by white nationalists. The majority of white Americans will refer to their heritage by nation – Irish-American, German-American, etc – and celebrate the specific contributions of those ethnic groups to American culture.

Fortunately, African-Americans no longer need to rely entirely on historical records to determine their ancestry. Specifically, DNA Ancestry testing has become tremendously popular over the past few years by promising to discover long-lost African history through genetically linking users to pre-defined samples of African ethnic groups. Some services, like Ancestry.com and DNA Consultants, offer comprehensive testing while other services like African Ancestry concentrate specifically on African heritage.

But what benefit can be gained from such services and how believable are the results? I’ve spent the better part of a year overseeing tests for myself and others as well as doing some research into the benefits and limitations of DNA testing. A summary of DNA Testing as well as my own experience will be spread over three blog posts. Readers are encouraged to submit their own experiences with DNA testing.

What can a DNA Test Tell you?

Present DNA ancestry testing is based on scientific findings that all present-day human beings can be traced back approximately 150,000 years to common ancestors in East Africa. Various waves of early humans migrated from Africa to different parts of the globe and their DNA mutated in tiny increments. These natural mutations, known as single-nucleotide polymorphisms (SNP’s for short) occurred randomly every few thousand years and were passed down from generation to generation. While these mutations are complex and there can be many different sequences (also known as Haplotypes), mutations are generally quite similar for early humans that migrated to the same part of the world around the same. Haplotypes are thus clustered into haplogroups, which are understood to have a common ancestor. There are separate male (Y-Chromosome) and female (X-Chromosome) haplogroups which are distributed geographically.

Y-DNA Haplogroups

Three types of DNA tests can be used to determine ancestry:
mtDNA – Short for mitochondrial DNA, mtDNA is carried by both males and females. However, mtDNA is passed exclusively from mother to child, meaning an mtDNA test can only determine your mother’s contribution to your genetic makeup. Since this relationship is true all the way up your family line, mtDNA ancestry tests can determine the origin of your mother’s mother’s … mother. Because mtDNA is only inherited from mothers, it does not change (or mutate) significantly over time (due to the slow-changing nature of SNP’s). This slow rate of mutation allows scientists to determine the long term origin (also known as “Deep Ancestry”) of your maternal line.
yDNA – Y-Chromosomes works in a similar manner to mtDNA, except that they are only passed from father to son. Thus, only males have yDNA tests. Females wishing to discover their deep paternal lineage must have a paternal male relative take the test (e.g. father, brother).
(side note: human females obtain X-Chromosomes from both mother and father; thus, “X Chromosome” cannot be used interchangeably with mtDNA in this instance)

Autosomal – Every human has 22 pairs of autosomal chromosomes. There are equal copies of the autosomal chromosomes in males and females, allowing genetic identification based on the heritage of both parents. However, autosomal DNA is not “deep”, as the 22 pairs are inherited randomly from parents (for a given pair, one chromosome comes from each parent; each parent can pass 1 of 2 chromosomes, meaning 4 possible configurations per pair). No two people -except for identical twins- have the exact same autosomal DNA, which contrasts with the direct inheritance of yDNA and mtDNA.

What can’t a DNA Test tell you?

So with all of this technology, it should be easy to figure out where you originally set up shop before the transatlantic trip, right? Not quite. Apart from the fact that an overwhelming percentage blacks in the western hemisphere are of mixed heritage, the current testing methods have noteworthy limitations

  1. yDNA and mtDNA tests are single-line. This means that they measure straight inheritance via mother or father only. Thus, one cannot use mtDNA to test whether a mother’s father is part-native because the mother’s mtDNA comes exclusively from her mother. Similarly, yDNA only provides information on a line of fathers. Thus, even combining mtDNA and yDNA tests will not allow a person to determine their entire ancestry.
  2. Autosomal DNA can only reliably measure back to the grandparent generation. Typically, autosomal DNA used in paternity testing, crime scene investigation and other situations where either exact identity or close family relationship needs to be established.
  3. Autosomal DNA cannot determine what percentage of each ethnic group is in a person’s total makeup

Ergo, it may not be possible to tell whether you are a direct decedent of the Zulus unless either your mother’s mother’s … mother or father’s father’s … father happens to belong to that ethnic group. If you are so lucky it will still not possible to determine just how “Zulu” you are.

Discovering your Ancestry through Genebase

There are many different websites and offline services offering DNA testing as a way to discover heritage. Being Canadian and somewhat concerned about how foreign governments might use a DNA sample, I chose the Vancouver-based Genebase (note: many Americans also use this service).

Genebase offers mtDNA and yDNA test kits of varying comprehensiveness (and prices) for ancestral discovery. The initial tests are STR (short tandem repeat) tests that can be used to predict haplogroups. Additional SNP tests can be ordered to confirm haplogroup, and most recently Genebase has added subclade tests for further confirmations.

For example, a male users interested in his paternal ancestry could order the Advanced Paternal Ancestry Package (Y-DNA 44 Marker Test). After the test predicts that he belongs to the J haplogroup, he could confirm this by upgrading with a Y-DNA DNA haplogroup Backbone SNP Test. If the client wants more detail he could choose to order the Y-DNA J Subclade SNP Test and use the results to determine the probable region form which his earliest haplogroup member originated.

Apart from haplogroup identification, Genebase offers two other useful ancestry tools for incoming DNA samples -

DNA Reunion – yDNA and mtDNA STR markers can be compared to all the other users in the DNA database. The software ranks user matches according to number of overlapping markets to be compared between two users and the genetic distance (calculated by number of markers that have different values). For the example above, the user might upgrade from a 44 marker test to a 67 marker test, since having a larger pool of markers to test will improve the probability of finding matches. Using the search preferences, he can direct DNA Reunion to return a list of users who have a maximum genetic distance of 1 (ie only 1 marker different) out of a minimum 18 overlapping markers. The results might show that the majority of users matching this criteria reside in Egypt, suggesting (though not proving) that user’s deep ancestral roots may lie in that region.

Indigenous DNA – Similar to DNA Reunion, except DNA samples are compared to indigenous (and some non-indigenous) groups from around the world. The software makes STR comparisons over several different journals using a selectable number of marker matches. Again, the results do not strictly prove ancestry but are an excellent aid for determining probability.

Autosomal test kits are also available and are used in DNA Reunion – however Genebase only uses autosomal DNA to match near family relations to others users in the database. This contrasts to many other ancestry services which use autosomal DNA to predic ethnic identity.  Still, autosomal testing could be used for cheap, legal paternal testing.

At one time DNA kits used to be available in Best Buy but these days it seems the only way to get a kit is to order directly from the Genebase website. The kit is mailed to the user’s home with a return envelope, small swab brushes and full instructions on how to collect a buccal swab. Once the sample is returned, processing takes place over the next few weeks and the results are uploaded to a website. The user can then view the results and start using the tools described above.

Continue to Part 2

20
Feb

Bambocciona Nation: The Triumph of the Big Baby

Macleans Magazine recently published an intriguing diatribe by Mark Steyn regarding the phenomenon of children living in their parents for increasingly long periods of time.

In Italy, a court has ordered, upon pain of having his assets seized, Giancarlo Casagrande of Bergamo to pay his daughter an allowance of 350 euros—approximately $525—every month. Signor Casagrande is 60. His daughter Marina is 32. She was supposed to have graduated with a degree in philosophy eight years ago but, though her classes ended way back at the beginning of the century, she’s still working on her thesis. So Signor Casagrande is obliged to pay up, either in perpetuity or until the completion of Marina’s thesis, whichever comes sooner. Her thesis is about the Holy Grail. Which it’s hard to see why Marina would have any use for, given that she’s already found a source of miraculous life-transforming powers in Papa’s chequebook.

Marina is what they call in Italy a “bambocciona,” which translates, roughly, as “big baby”—the term for the ever-growing number of young adults still living at home. Not their home—with a spouse and young kids and putting out the garbage and repainting the stairs and so forth—but at their parents’ home, in the same bedroom they’ve slept in since they were in diapers.

While there may not be a specific name in North America for kids who stay at home well past the age of 18 (which happens to be the start of college age and 2 years past the age at which a child can legally move out in some jurisdictions), Canadian culture has traditionally regarded such people as parasitic. Growing up in rural Ontario, one came across a small number of individuals who were in their 30’s and still sleeping in their childhood bedrooms. Society generally heaped scorn on such individuals, calling them lazy and unmotivated, and quite often they were correct. Many of the bamboccioni were involved with weed or harder substances, providing parents the opportunity to lecture their children about the dangers of drugs – after all, you don’t want to end up like ______ over there.

The North American bambocciona is also the butt of jokes, being ridiculed in television and movies as an unmotivated clown. New York rapper Thirstin Howell III parodied the plight of the long term dependent in the track “Still live with my Moms”

Trying to f*ck me while his mom’s home,
Free rent, light, gas and phone,
A momma’s boy even though my ass is grown,
Got the same bedroom, since third grade,
Still be living here when I’m eight hundred and eighty eight

I always say I’m moving out this year,
But it’ll be sooner if welfare finds out I live here,
Yo it’s cheap by my place,
I ain’t scared to open bills cuz non of them in my name,
Got kicked out, my mom said I could move back,
If I prove that I didn’t steal my sister’s food stamps

Much of the ridicule in North America can be seen as a function of at least two factors -

  • America and Canada and both historically “frontier” nations that value individuality and being self-made. This contrasts with more bambocciona-friendly nations like Italy and Japan, which have much older and patriarchal cultures.
  • As noted in Steyn’s article, housing and land are much cheaper in North America when compared to other developed regions. This is due in part to the vast amount of arable land in the United States and at least the southern part of Canada. Italy has approximately 1.7 times the population of Canada yet is contained in a land mass smaller than Newfoundland.

Where Independence Fails

However, the Canadian economy has transformed significantly over the past 30 years, resulting in conditions that may leave children who leave home before 30 at a serious disadvantage against their lingering counterparts. Firstly, a college degree is no longer a “nice to have” but the bare minimum required for anyone wanting to have a career. College and University are only partially subsidized in Canada, leaving students thousands of dollars in debt before their first career job. If the student doesn’t have the luxury of living at home, the debt could number in the tens of thousands.

But when school is over there is no excuse for the wee ones not the move out right? Not quite. The average house price in Canada was $332,000 as of September 2009 and rising steadily. Larger centers (where youth are more likely to congregate) paint an even bleaker picture:

Toronto: $407,000 (10.3% yearly increase)
Calgary: $395,000 (1.1% yearly increase)
Vancouver: $611,000 (14% yearly increase)

Back in the good ol days (ie before the 1990 recession) banks expected 10-20% down payment on a new home. Does the average youth have a spare $40,000-$60,000? Before you answer, consider that the median income in Canada was $63,600 as of 2006. Assuming that the median income continues to rise at the same rate as it has over the past 10 years, it can be assumed that the median income for 2009 (not yet available) will be around $66,800. Thus, the ratio of median housing price to median income is around 5 – considerably higher than years gone by (most middle class people I have spoken to quoted about 2-3 for their personal ratio during the 70’s and 80’s) and indicative that owning a home is getting more expensive even after correction for inflation.

Recently, the Canadian government, in an attempt to head off a housing bubble, tightened mortgage restrictions to make requirements even tougher for first time buyers. The new rules requiring buyers to be able to pay a five-year, fixed rate mortgage -regardless of the actual terms of the mortgage- will have the greatest effect on lower-income buyers. New graduates make up a sizable portion of this group and making a larger down-payment will once again be a primary concern.

Ultimately, it is easier to save for a down payment under mom’s roof than it is while renting (a practice ironically looked down upon as indicative of lack of financial responsibility). Thus, the bambocciona is in no danger of going extinct in Canada any time soon.

15
Dec

4 Ways to Protect your Facebook Data under the “Improved” Security

Facebook’s controversial new security measures were designed to increase user control over privacy; however, privacy advocates charge these changes were mostly an underhanded method to release large amounts of private data (mostly photos and fan data) to the public. Additionally, Facebook’s 350 million users must now go through a more convoluted process to protect their personal information from third party developers who lure users with their addictive games and surveys.

While the world’s leading social network recently backed down on enticing users with their deceptive “Recommended Settings”, there are still several areas where user data may be vulnerable to third party snooping. Here are 4 steps ever user should take to protect their personal information.

#4– Don’t let Friends Give Away your Private Information

Prevent friends from inadvertently giving away your personal details to an application on their profile.

How:

4-1

On the top menu toolbar, select Settings -> Privacy Settings

4-2

Select Applications and Websites

4-3

Click on the Edit Settings button, located beside the title “What your friends can share about you“

4-4

Uncheck every option under the title “What your friends can share about you through applications and websites ”. Click on the Save Changes button.

Why:

Unfortunately, Facebook users must worry about the bad habits of friends as well as themselves. This “feature” is touted as a virtue on the security settings page:

When your friend visits a Facebook-enhanced application or website, they may want to share certain information to make the experience more social. For example, a greeting card application may use your birthday information to prompt your friend to send a card.

However, virtually anyone can become a Facebook developer just by downloading the development guide, and it is safe to assume that not all of them are solely interested in enhancing your user experience. If you don’t specifically uncheck the items in the list above, they can be shared with third party sites by way of your friends’ applications – even if you have set the information to to viewable only by friends or yourself.

Note that all information you’ve specifically set to public can still be read and analyzed by third party applications and websites. But more on that later.
Continue reading ‘4 Ways to Protect your Facebook Data under the “Improved” Security’

12
Dec

Facebook Creepers, Unite – New Site Policy Weakens Data Privacy

Pssst, want to check some photos of that hot chick/fella that won’t won’t have you as a friend even on Facebook? Thanks to the social networking site’s new privacy rules, you probably can for at least a while. Originally billed as a move to enhance user privacy, Facebook actually ends up exposing more user information in some cases:

  • Profile photographs now default to “friends of friends”, meaning anyone with a mutual friend may browse whatever you post (some people have complained that their profile photos and other photo albums were made completely public,)
  • The new “recommended settings” option usually amounts to sharing personal information with everyone – friend or not.
  • There is no more option to prevent Facebook apps (eg Mafia Wars, Farmville) from harvesting your personal information. Apps can also harvest your public information when installed on a friend’s account
  • Fan pages are now permanently public.
  • Sharing information with “everyone” now includes the rest of the web, not just everyone logged onto Facebook

It is easy enough to reverse most of this exposure using the profile security settings (set all photo albums to “only friends”) but it would have been nice of Facebook to mention their plans to default profile photos to public status.

To the company’s credit, friend lists are no longer published on user pages, meaning it is no longer possible for casual users to browse each others’ lists of contacts. However, this information is still available to application developers, and possible even search engines. The latter is noted because Facbook recently signed a deal with Microsoft to publish user content via the Bing search engine. Again, users can opt out of this arrangement through their privacy settings, but Facebook hasn’t gone out of its way to tell us how.

In the meantime, while Facebook users slowly realize their photos are in the public domain, you can sneak a peek at photos that weren’t meant for your eyes. Try to resist the temptation.

(h/t to Jeela for first alerting me)

25
Nov

Automobile Donation – The Ultimate Tax Shelter?

Automobile donation – the practice of giving away unwanted automobiles to registered charities for a tax exemption – has become tremendously popular over the last decade. Despite recent regulatory changes by the IRS, car donation remains a worthy tax shelter that provides a hassle-free alternative to reselling or trading in unwanted vehicles. Despite the many benefits of charity car donation, potential donors should be aware of the regulatory requirements for claiming a car donation tax deduction and also the limitations for how much of their donations are likely to be used directly on the needy.

Why Donate your Car?

There are several reasons why people choose to donate their cars. The first and most obvious reason is the joy of giving – car donation charities typically refurbish junk car donations and either give them away to needy people or sell them at a drastically reduced price. Some charities use the cars directly in their operation, while others simply resell the cars at market price and use the proceeds to help their target audience.

Secondly, charity car donation is typically the easiest way to get rid of an old vehicle. Alternatively, you could trade your car in on a new vehicle; however, you will likely get far below market value on your trade-in. A far more lucrative alternative could be to sell the car yourself, but the process can be time consuming and many people are simply not skilled salespeople.

Finally, Americans (and Canadians) donate their cars to receive the tax deductions, which function as a quick tax shelter for your clunker. Car donation tax deductions in America hit a peak of $2.4 billion in 2004 and still amount to hundred of millions in slower years.

Is Car Donation an Effective Tax Shelter?

Car donation provided an attractive tax haven up to 2005, when the IRS allowed donors to deduct the fair market value of the car from income taxes. Many sellers abused this generosity by claiming their car at the marked-up dealer resale price rather than fair market value, costing the government millions in tax revenue. Thus, in 2005, the IRS changed the rules for claiming car donations: claims for cars valued more than $500 are limited to the actual price that the car sold for in the charity auction. Donors must attach a statement of sale to tax deductions and are not entitled to know the deduction amount before donating their cars.

Despite the new restriction, it is still possible to deduct the full market value of a vehicle, provided the charity uses the car in its daily operations rather than selling it.

How to Donate a Car

You can claim a tax exemption by donating your car to any charity that has 501(c)(3) tax-exempt status with the IRS. Charities with this status are exempt from federal income tax and are eligible to receive state tax exemptions. Most importantly, such organizations are eligible to receive tax-deductible charitable contributions, attracting a large number of individual and corporate donors.

The target charity does not have to be car-oriented, though it makes more sense to donate to a charity with the facilities to handle incoming autos. Some charities contract the refurbishing and resale of autos to car dealers, paying a fee for service rendered.

Remember, you must obtain a statement of sale from the charity to file a tax claim!

Pitfalls of Car Donation

Donating your car to charity can have significant drawbacks when compared to other methods. Income-wise, you will generally get a lower payout on donating your auto than you would from selling the car independently or even trading it in on a newer purchase. Since charities by definition re-sell to the neediest members of society, they are not chasing premium prices.

Of course, you may not care about how much money you get and are far more interested in helping the less fortunate. However in that respect you may also not be getting much bang for your buck: much of the revenue earned by charities through car sales goes into the repair and transport of the old vehicles, which are sometimes in such bad shape that the parts from multiple cars need to be combined to create one salable vehicle. Other charities subcontract the actual movement and sale of vehicles to private dealerships for a fee, and depending on those fees there may be little left to donate.

For example, The Record (Hackensack, New Jersey) ran a story by Harvey Lipman detailing the plight of the American children’s society. This registered charity resells some of its cars to regular customers, using the proceeds to help the families of sick children. Other cars are resold to these families at a low price or simply given away. The Society operates out of a used car dealership and relies on satellite dealers for logistics. Barely 25% of the ACS’s $2.9 million operating budget actually went towards its target clients – the rest went to used car dealers for advertising ($1.5 million), insurance, government fees, towing, repairs and other expenses. In some cases, cars were resold to other used car dealers, who in turn sold those cars at highly marked up prices – a perfectly legal move but one which might not sit well with people who want to see their old cars put to charitable use.

More Information

For more information on the 501(c)(3) tax-exemption status, please visit the IRS website.

Popular Car Charities in the USA:

  • Car Angel“Car Angel originated in 2000 as the New Millennium Scholarship Fund. In 2001, when we started accepting vehicle donations to aid our cause, our name was simplified to Angel Ministries. Our cause now includes funding several of our own projects, including prison outreach/rehabilitation, children’s moral DVD outreach, worldwide leadership training, and child support for children in third world countries.”
  • Helping Hands of America“Helping Hands of America personnel have been in the carmobile business over 20 years and know how to get the most money for your donation. The more we sell your car for, the more the charity receives and the bigger your tax deduction from the donation of your car… Your donation is 100% tax deductible.”

Popular Car Charities in Canada:

  • Charitycar.ca“As a charitable contribution your vehicle can make a big difference in the life of someone less fortunate in your community. We take any used car, truck or van, provide free pick-up and let you choose which charity you would like to donate to: a school, church, shelter or non-profit organization and you will receive a tax donation.”
  • The Kidney Foundation of Canada“Kidney patients benefit from your generous donation. Close to 2 million Canadians have kidney disease or are at risk. Your car donation will help in the fight against kidney disease. Also, it is an easy, hassle free way of disposing your vehicle. We will take care of coordinating the pick of your vehicle and its disposal, whether it is recycled or auctioned.”



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