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Electric Car-Owners Shocked: New Study Confirms EVs Considerably Worse For Climate Than Diesel Cars

Electric Car-Owners Shocked: New Study Confirms EVs Considerably Worse For Climate Than Diesel Cars

The Brussel Times reports that a new German study exposes how electric vehicles will hardly decrease CO2 emissions in Europe over the coming years, as the introduction of electric vehicles won’t lead to a reduction in CO2 emissions from highway traffic.

According to the study directed by Christoph Buchal of the University of Cologne, published by the Ifo Institute in Munich last week, electric vehicles have “significantly higher CO2 emissions than diesel cars.” That is due to the significant amount of energy used in the mining and processing of lithium, cobalt, and manganese, which are critical raw materials for the production of electric car batteries.

A battery pack for a Tesla Model 3 pollutes the climate with 11 to 15 tonnes of CO2. Each battery pack has a lifespan of approximately ten years and total mileage of 94,000, would mean 73 to 98 grams of CO2 per kilometer (116 to 156 grams of CO2 per mile), Buchal said. Add to this the CO2 emissions of the electricity from powerplants that power such vehicles, and the actual Tesla emissions could be between 156 to 180 grams of CO2 per kilometer (249 and 289 grams of CO2 per mile).

German researchers criticized the fact that EU legislation classifies electric cars as zero-emission cars; they call it a deception because electric cars, like the Model 3, with all the factors, included, produce more emissions than diesel vehicles by Mercedes.

They further wrote that the EU target of 59 grams of CO2 per kilometer by 2030 is “technically unrealistic.”

The reality is, in addition to the CO2 emissions generated in mining the raw materials for the production of electric vehicles, all EU countries generate significant CO2 emissions from charging the vehicles’ batteries using dirty power plants.

 …click on the above link to read the rest of the article…

Toxic Arsenic Found In Major Bottled Water Brands

Toxic Arsenic Found In Major Bottled Water Brands

Consumer Reports (CR) is now warning the public about a serious issue, where 11 brands of bottled water, out of 130 had detectable levels of highly toxic, arsenic, and six of those brands had levels above 3 parts per billion (ppb) — the maximum level allowed by CR.

“Of those, six had levels of 3 ppb or higher,” according to CR officials. “These brands are Starkey owned by Whole Foods, Peñafiel owned by Keurig Dr. Pepper, Crystal Geyser Alpine Spring Water, Volvic owned by Danone, and two regional brands, Crystal Creamery, and EartH₂O.”

Research from the World Health Organization (WHO) has shown long-term exposure to arsenic in drinking water can cause cancer and skin lesions. It has also been linked to cardiovascular disease and diabetes. In children, arsenic can cause negative impacts on cognitive development and increased deaths.

The Food and Drug Administration (FDA) limits arsenic in bottled water to 10 ppb. But CR is now demanding the federal government revise the level to 3ppb.

“It makes no sense that consumers can purchase bottled water that is less safe than tap water,” says James Dickerson, Ph.D., chief scientific officer at CR. “If anything, bottled water—a product for which people pay a premium, often because they assume it’s safer—should be regulated at least as strictly as tap water.”

Keurig Dr Pepper spoke with CR last week and said its Peñafiel production facility in Mexico had been taken offline for several weeks while it would improve its filtration system to lower arsenic level. The company said it conducted new testing after questions from CR found levels above the federal limit, at an average of 17 ppb.

Whole Foods took over the brand Starkey Water in 2013, from late 2016 through early 2017, the company recalled more than 2,000 cases of water after tests by regulators showed high levels of arsenic beyond the federally mandated threshold.

 …click on the above link to read the rest of the article…

Wild Bee Population Collapses By 90% In New England, Study Warns

Wild Bee Population Collapses By 90% In New England, Study Warns 

Researchers from the University of New Hampshire conducted a study to document declines in about 100 wild bee species critical to pollinating crops throughout New England. What they discovered, according to the study, was a collapse in the wild bee population across the state, reported AP.

Researchers analyzed 119 species in the state from a museum collection at the college dating back more than a century. Sandra Rehan and Minna Mathiasson published the study in the peer-reviewed journal called Insect and Conservation Diversity this month. They concluded 14 species found across New England were on the decline by as much as 90%. Several of the species include leafcutter and mining bees.

“We know that wild bees are greatly at risk and not doing well worldwide,” Rehan, assistant professor of biological sciences and the senior author on the study, said in a prepared statement. “This status assessment of wild bees shines a light on the exact species in decline, besides the well-documented bumblebees. Because these species are major players in crop pollination, it raises concerns about compromising the production of key crops and the food supply in general.”

The AP noted that wild bee populations across the world are in decline, and scientists have blamed a wide range of factors including industrialization, insecticides, herbicides, parasites, disease, and climate change. Bees are crucial for pollination, and about one-third of the human diet derives from plants that are directly pollinated by bees.

Greg Burtt, founder of Burtt’s Apple Orchard in Cabot, Vermont, told the AP that his farm relies heavily on wild bees for crop production. 

“Making sure that pollinators in the area are healthy and doing well is definitely something we’re concerned about,” Burtt said.

 …click on the above link to read the rest of the article…

Distressed Nation: Each American Would Owe $700,000 To Eliminate Worsening Debt Situation

Distressed Nation: Each American Would Owe $700,000 To Eliminate Worsening Debt Situation

Truth In Accounting (TIA), a 501(c)(3) – focused on government financial information, published a new report that suggests the federal government’s overall financial conditions worsened by $4.5 trillion in 2018. The report also calculates the actual national debt on a per taxpayer basis.

With assets of $3.84 trillion, the federal government’s unfunded obligations and debt total $108.94 trillion, which contributed to a $105 trillion debt burden.

“Our elected officials have made repeated financial decisions that have left the federal government with a debt burden of $105 trillion, including unfunded Social Security and Medicare promises. That equates to a $696,000 burden for every federal taxpayer,” TIA states.

TIA rated the federal federal government with an “F” for its financial outlook and worsening fiscal situation that could trigger a crisis in the not too distant future.

TIA explains that while the $779 billion national deficit is troubling, it doesn’t reflect the true financial situation.

“The overall decline in Net Position presents a better picture of the government’s financial decline,” the report states.

“The federal government’s financial position continued to deteriorate – and much faster than indicated by the government’s own ‘bottom-line,’” TIA’s Director of Research, Bill Bergman, said.

TIA pulled data from the “Financial Report of the U.S. Government” for the fiscal year ending Sept. 2018.

TIA’s “bottom line” measures the government’s unfunded debt, jumped by $4 trillion in 2018, about 4 times faster than the budget deficit or net operating cost.

Interest expenses on the national debt have been one of the fastest growing expenses, “while the government’s estimate of the fiscal gap – the amount of spending cuts and/or tax increases necessary to keep the debt/Gross Domestic Product ratio from rising in the future – doubled,” TIA reports.

“Perhaps the most alarming feature of the government’s release of its annual financial report was the public reaction: deafening silence; zero coverage in the mainstream media,” Bergman added.

 …click on the above link to read the rest of the article…

World Trade Suffers Biggest Collapse Since Financial Crisis

World Trade Suffers Biggest Collapse Since Financial Crisis

The recent collapse in world trade volume is the worst since the financial crisis and as dangerous as during the dot-com bubble of the early 2000s, according to The Telegraph.

Data from the CPB Netherlands Bureau for Economic Policy Analysis revealed that world trade volume dropped 1.8% in the three months to January compared to the preceding three months as a synchronized global downturn gained momentum.

“An industrial slump has been triggered by a perfect storm of factors, including China’s slowdown, the car industry downturn, Brexit paralysis and Donald Trump’s attempt to upend the international trade system with tariffs on European and Chinese goods,” explained The Telegraph.

A further escalation of the trade war between the U.S. and China could spark a world trade recession. Already, Washington has imposed steep tariffs on Chinese imports worth $250bn in a tit-for-tat battle with industrial centers in Asia and Germany experiencing sharp drops in trade in recent months.

The Telegraph describes the sudden loss in trade momentum is equivalent to the months after the dot com bubble imploded in 2001 when trade volumes sank as much as 2.2%. Today’s current move is the biggest fall since the financial crisis of 2007–2008 when global trade plummeted, diving as much as 12.7%.

The International Monetary Fund warned last week that this is a “delicate moment” for the global economy as many countries are in the midst of a severe slowdown.

The global economy has “lost further momentum” in the last six months, said IMF Managing Director Christine Lagarde.

Lagarde pinned trade volume deterioration on decelerating global growth and “the impact of increased trade tensions on spending”  on producer goods.

The global downturn in trade is widespread geographically. The synchronized slowdown is expected to stabilize beyond 2020; however, in the meantime, it’s likely the world could be headed for a trade recession, if not already in one. 

Eric Peters: Are We Better Off For Knowing The Truth

Eric Peters: Are We Better Off For Knowing The Truth

“Our company will do everything possible to earn and re-earn trust and confidence,” said Boeing’s CEO, humbled, motivated, forced to face the facts. Data from the two 737 Max 8 black boxes had recorded the tragedies with perfect precision. “The goal is to ensure accidents like these never happen again.”

Across the planet, governments, airlines, and passengers had little doubt Boeing will now fix the problem. That’s the beauty of black boxes. They don’t lie. They don’t betray. They hold no allegiances, ideologies. They simply tell the truth.

Of course, speaking truth to power is exceedingly difficult, and the people who do, take great personal risks. Consequently, most are unusual individuals, complicated, controversial. Assange was arrested on the Ecuadorian embassy steps. Poor Khashoggi left his embassy in pieces. Snowden remains exiled in Russia.

Are we better off for having heard their truths? Depends who you ask. Most people only like to hear truths they already hold dear. And many only hear truths from those they like. They reject truths from those they despise, and often embrace deceits from loved ones. 

Which is what paralyses governments when societies become politically polarized. This process is self-reinforcing, driving divided nations toward crisis, conflict. At which point, the overwhelming majority return to their senses, forced to face the black box truth of their undeniable reality.

Understanding central banking is even more complex, because it’s not clear that there is an immutable truth. And financial markets are hardest of all. Because no sooner does something appear unambiguously true, then the collective market conscience betrays the believers.

 …click on the above link to read the rest of the article…

Albert Edwards: “At This Point You Realize Something Has Gone Very Wrong”

Albert Edwards: “At This Point You Realize Something Has Gone Very Wrong”

In his latest note published last week, SocGen’s Albert Edwards – never at a loss subjects that inspire his outrage – rages on the topic of Brexit, and specifically the often repeated assertion (discussed here as well), that post-Brexit referendum UK has lost 2% of its GDP output, or about £800m a week.

We won’t dwell on that for a simple reason: as UBS’ chief economist Paul Donovan put is best last week, “A few things have happened in the EU-UK divorce. Does anyone care? No, they do not.” 

Another reason why Brexit is largely meaningless despite resulting in countless, pound-moving newswire headlines each hour: the final outcome is clear – with Theresa May a remainer, and with both sides seeking to perpetuate the status quo by delaying and delaying and delaying some more until it appears that it’s the public’s desire to reverse the outcome of the 2016 referendum, it is just a matter of time before the entire idea of Brexit is scuttled.

Instead we will focus on an anecdote that Edwards brings up in relation to his now 30-year-old son, Newcome, who was 10 back in 1999, and was reportedly stealing Albert’s Financial Times “to look at Nasdaq share prices:”

It was at that point that I realised the tech bubble was really getting out of hand (I have reproduced part of this weekly explaining what happened, at the end of this note).

As Edwards further explains, “discovering my 10 year old son looking at Nasdaq share prices alerted me to the extent of the madness that had gripped the markets by end 1999. Similarly there are moments in this job when something you hadn’’t been following particularly closely is highlighted to you and you stagger back in shock. At that point you realise that something has gone very wrong.” 

 …click on the above link to read the rest of the article…

Austria Wants To Ban Online Anonymity, And Urges The World To Follow In Its Footsteps

Austria Wants To Ban Online Anonymity, And Urges The World To Follow In Its Footsteps

Convinced that Mark Zuckerberg doesn’t quite yet have enough user data, Austria is now considering a new law that would require large internet platforms like Facebook, Instagram and Twitter to register their users, effectively banning anonymity on social media sites. The new law would be targeted at depriving “those behind hate posts of anonymity,” according to The Local

Chancellor Sebastian Kurz said: “Unfortunately there have been an increasing number of clear violations, denigrations and humiliations online in the past under the cover of anonymity. That’s why we need a framework for more responsibility online.”

But isn’t the anonymous denigration and humiliation of others a founding principle of the internet, and part of what makes it great?

The law, if passed, would go into effect in 2020 and would make it mandatory for users of popular social media sites to register their users. The platforms would have flexibility on how they register their users, but Austria seeks to give its authorities access to a user’s identityin the event of “hate postings or on suspicion of other laws being broken”.

The report didn’t say what, exactly, qualified as a “hate posting”. 

Gernot Bluemel, minister in charge of EU affairs, art, culture and media said: “The online space should not be a space without laws.” He continued, saying that Austria aimed to set a precedent for other countries in the matter.

In Austria, the law would have to be approved by both MPs and the European Commission to ensure that it is in line with EU guidelines that stipulate that member states cannot regulate a platform provider more strictly than its country of origin. The law would only apply to internet platforms with a reach of more than 100,000 users or a turnover of more than 500,000 Euros in Austria. It would also apply to platforms that get more than 50,000 Euros in state aid. 

 …click on the above link to read the rest of the article…

China’s Debt Bomb Is Back: Beijing Injects Most Ever Credit For Month Of March

China’s Debt Bomb Is Back: Beijing Injects Most Ever Credit For Month Of March

One month ago, we asked if that was it for China’s “Shanghai Accord 2.0”? Turns out the answer was a resounding “no.

As we noted at the time, one month after the PBOC injected a gargantuan 4.64 trillion yuan ($685 billion) into the economy – more than the GDP of Saudi Arabia – in the month of January in the country’s broadest credit measure, the All-System Financing Aggregate a credit injection that was so massive it even prompted the fury of China’s prime minister Li Keqiang who lashed out at the central bank for its unprecedented debt generosity in a time when China was still pretending to be on a deleveraging path, in February the PBOC again surprised China-watchers, this time to the downside, when the Chinese central bank reported that aggregate financing increased by a paltry 703 billion yuan, roughly half the expected 1.3 trillion, the lowest print in the revised series history.

However, to assuage fears that China was turning off the credit taps just one month after the release of weak February TSF, PBOC governor Yi commented in his press conference during the NPC that (although February TSF data was weak) the data should be viewed in light of strong January data. He also noted that even combined Jan-Feb data could be distorted by the Chinese New Year, and one needed to wait for March data.

Well, we got just that overnight (as reported previously) and it was a monster: just after 4am ET, the S&P futures surged above 2,900 when the PBOC reported that in March, new yuan loans jumped by 1.69 trillion, far above 1.25 trillion estimate, while total social financing in March soared higher 2.86t yuan, the highest March increase on record; smashing the 1.85 trillion yuan estimate, and more than four times the February 703BN yuan increase.

 …click on the above link to read the rest of the article…

“Psychologically, They’re Ill-Prepared” – Canadian Chaos Looms

“Psychologically, They’re Ill-Prepared” – Canadian Chaos Looms

Via Grant’s Almost Daily,

I’m your huckleberry

“U.S. hedge funds from time to time have appeared in this country over the last 10 years, with the same hypothesis of shorting Canadian banks, and it hasn’t worked out very well for them,” Brian Porter, CEO of the Bank of Nova Scotia, said yesterday. “There are always going to be those that take an opposing view, and we’ll prove them wrong over the long term.”  

Gabriel Dechaine, banking analyst at the National Bank of Canada, likewise came to his industry’s defense in a note today:

“A trend that is making us believe that sector sentiment is becoming too bearish is the re-emergence of a vocal ‘short Canada’ investment crowd.”

Dechaine writes that a Stanley Cup victory for the woebegone Toronto Maple Leafs (last title, 1967) is more likely than a jump in loan losses. 

One well-known investor is publicly taking the challenge: Steve Eisman, portfolio manager at Neuberger Berman and a protagonist in Michael Lewis’ The Big Short.

“Canada has not had a credit cycle in a few decades and I don’t think there’s a Canadian bank CEO that knows what a credit cycle really looks like,” Eisman, who is short various Canadian banks and mortgage lenders, fired back in an interview yesterday with BNN Bloomberg television.

“I just think psychologically they’re extremely ill prepared.”  

While Canadian bank advocates and their skeptics exchange words, the formerly-white hot housing market is now in deep freeze. March sales in Vancouver collapsed by 31.4% year-over-year according to the local real estate board, the worst showing since 1986 and down 46% from the 10-year average for March. Prices also lurched lower, with the benchmark detached home price falling 10.5% year-over-year to C$1.44 million ($1.08 million). Things are more stable in Toronto, where March sales and benchmark prices were little changed from a year earlier, but those figures remain 40% and 14% below their respective levels from March 2017.

 …click on the above link to read the rest of the article…

Another “Bomb Cyclone” Hammers U.S. Plains And Midwest

Another “Bomb Cyclone” Hammers U.S. Plains And Midwest 

As the storm reaches “bomb cyclone” criteria on Thursday, more than 200 million people in the United States will feel the impact of this dangerous weather system sweeping across the Plains and Midwest.

Heavy snow has developed and will continue to fall on the northern Plains, a portion of the central Plains and Upper Midwest into Thursday night as arctic air rushes in, reported Reuters

Into the overnight, heavy snow will extend from northeast Colorado and northwest Kansas through Nebraska, South Dakota, southeast North Dakota, Minnesota, northern Wisconsin and part of the Upper Peninsula of Michigan.

“It is a bomb cyclone, the second we’ve had,” said Brian Hurley, a meteorologist at National Weather Service (NWS) in College Park, Maryland. “This is like a slow-moving snowstorm inside a hurricane.”

PowerOutage.Us shows 13,660 homes and businesses are without power in Minnesota, and about 9,500 in South Dakota around 7 am est.

Between 4 am and 8 am, there are 61 airport delays across the U.S., mostly seen at Minneapolis−Saint Paul International Airport, according to Flight Aware.

The region in focus is the Central U.S., the same area where a “bomb cyclone” hit last month and unleashed deadly flooding and blizzards. A little over $3 billion in damage was done to property, crops, and livestock in Nebraska and Iowa alone.

“The heaviest snow so far is piling up in South and North Dakota, with some areas getting 17 inches, and more is on the way,” Hurley said. “We’re expected another 10 to 15 inches before this is done.”

The snow adds new woes to Midwest farmlands which have been slammed by President’s Trade war and last month’s “bomb cyclone.”

NWS said this storm is a “historical springtime snowstorm.”

The storm is expected to crossover the Great Lakes area and northern Michigan on Friday, bringing more rain and snow to the East North Central U.S.

It’s Spring And A Monster Winter Storm Is About To Punish Central U.S.

It’s Spring And A Monster Winter Storm Is About To Punish Central U.S. 

About three weeks into spring and 40 million Americans are under wind-related advisories, and millions more are expecting blizzard conditions across the Midwest.

Parts of Wyoming, Colorado, South Dakota, Nebraska, and Minnesota are expecting heavy snow resulting in blizzard conditions through Thursday.

“This is potentially a life-threatening storm,” Patrick Burke, a meteorologist at National Weather Service (NWS) in College Park, Maryland, said on Wednseday morning.

Parts of Utah, Nevada, western Wyoming, Idaho, and California could see wind speeds approaching hurricane strength on Wednesday, with some gusts up to 74 mph.

About 4 million people in Colorado, Nebraska, the Dakotas, Iowa, Wyoming, and Kansas are under severe winter storm warnings and blizzard warnings through Thursday morning, NWS said.

Flood evacuation orders have already been issued in Oregon and Washington state.

NWS warned that some areas of western Minnesota and southeast South Dakota could see 30 inches of heavy wet snow by Thursday afternoon.

The region in focus is the Central U.S., the same area where a “bomb cyclone” hit last month and unleashed deadly flooding and blizzards.

The extreme whipsaw in temperatures on Tuesday in the Central U.S., allowed the storm to supercharge overnight, could be on the verge of becoming a “bomb cyclone” in the next 12 hours.

Reuters said the drop in temperatures on March 13 was also responble for last month’s cyclone.

Regions in northwest Missouri’s Holt County have not yet recovered from last month’s flooding which estimates have put the damage into the billions of dollars.

The storm is expected to crossover the Great Lakes area and northern Michigan on Friday, bringing more rain and snow to the East North Central U.S.

Will US Troops Be At Greater Risk After Tit-For-Tat ‘Terrorist Org’ Designations With Iran?

Will US Troops Be At Greater Risk After Tit-For-Tat ‘Terrorist Org’ Designations With Iran?

Following the US decision to designate Iran’s Islamic Revolutionary Guards Corps as a terrorist organization, and Iran’s decision to do the same with US Central Command in response, Russia’s RT has suggested that the escalation in tensions may put American troops at greater risk while operating in the Middle East. 

For example, the 2016 detention of 10 US sailors who strayed into Iranian waters in the Persian Gulf may have gone differently today than it did three years ago. 

“The approach will be much different… the American soldiers would be treated as terrorists and not as soldiers of a [state-run] army,” said Ali Rizk, a Middle East-based journalist and writer. 

Terrorism is a criminal offense under Iranian law, and so “Iran could have taken the toughest action, including imprisonment and a subsequent trial,”Vladimir Sazhin, senior research fellow at Russia’s Institute for Oriental Studies, stated. –RT 

And while National Security John Bolton is undoubtedly a huge fan of the new terrorist designation pissing match, the last two administrations were hesitant to do the same, according to the New York Times

The George W. Bush administration considered a range of tough actions on Iran during the Iraq war, but held back.

The potential blowback vastly outweighs the benefits,” said Jeffrey Prescott, a senior Middle East director under President Barack Obama.

Wendy R. Sherman, a former top State Department official, said the Obama administration considered designating the Revolutionary Guards a foreign terrorist organization, but decided against it because there would be no practical payoff given the risks to Americans and the fact the group was already under other sanctions.

By designating a foreign military as a foreign terrorist organization, we were putting our troops at risk, particularly our troops in Iraq, next door to Iran,” she said.

 …click on the above link to read the rest of the article…

Iran Revolutionary Guard Commander Warns US Carrier: Stay Away From Our Speed Boats

Iran Revolutionary Guard Commander Warns US Carrier: Stay Away From Our Speed Boats

It begins: unprecedented tit-for-tat formal “terror” designations exchanged between Washington and Tehran on Monday could soon enter a hot war on the ground. A mere hours after President Trump formally designated Iran’s Islamic Revolutionary Guards Corps (IRGC) as a terrorist organization on Monday, Iran’s foreign ministry responded in kind by immediately putting forward a bill placing the US Central Command (CENTCOM) on a list of organizations designated as terrorists, akin to ISIS. 

This means each side has given its armed forces authorization to target the other as part of “war on terror” operations. And already on Tuesday an IRGC commander has put the US Navy in the Persian Gulf on notice, warning it not to come anywhere near Revolutionary Guards speed boats. Specifically, according to Iran’s ISNA news agency, Tehran has warned that America’s aircraft carrier currently deployed to the gulf, the USS John C. Stennis, should not come anywhere near IRGC boatsIRGC speed boats, via Tasnim News

According to Reuters, citing Iranian state media: 

An Iranian Revolutionary Guard commander warned the U.S. Navy to keep its warships at a distance from Revolutionary Guards speed boats in Gulf waters, a day after the United States designated the Guards as a terrorist organisation.

“Mr Trump, tell your warships not to pass near the Revolutionary Guards boats,” ISNA news agency reported a tweet from Mohsen Rezaei as saying. 

Over the past years there’s been a number of intercept incidents in the Persian Gulf carried out by each side — none of them escalating to the point of serious exchange of fire. 

 …click on the above link to read the rest of the article…

We’re All Being Judged By A Secret ‘Trustworthiness’ Score

We’re All Being Judged By A Secret ‘Trustworthiness’ Score

Nearly everything we buy, how we buy, and where we’re buying from is secretly fed into AI-powered verification services that help companies guard against credit-card and other forms of fraud, according to the Wall Street Journal

More than 16,000 signals are analyzed by a service called Sift, which generates a “Sift score” ranging from 1 – 100. The score is used to flag devices, credit cards and accounts that a vendor may want to block based on a person or entity’s overall “trustworthiness” score, according to a company spokeswoman.

From the Sift website: “Each time we get an event — be it a page view or an API event — we extract features related to those events and compute the Sift Score. These features are then weighed based on fraud we’ve seen both on your site and within our global network, and determine a user’s Score. There are features that can negatively impact a Score as well as ones which have a positive impact.” 

The system is similar to a credit score – except there’s no way to find out your own Sift score

Factors which contribute to one’s Sift score (per the WSJ): 

• Is the account new?

• Are there are a lot of digits at the end of an email address?

• Is the transaction coming from an IP address that’s unusual for your account?

• Is the transaction coming from a region where there are a lot of hackers, such as China, Russia or Eastern Europe?

• Is the transaction coming from an anonymization network?

• Is the transaction happening at an odd time of day?

• Has the credit card being used had chargebacks associated with it?

• Is the browser different from what you typically use?

• Is the device different from what you typically use?

 …click on the above link to read the rest of the article…

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