How your personal data is exploited to win elections and influence policy

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The Trump and Biden apps provide the 2020 campaigns with a “goldmine of personal data,” including not just your location history, but also the make and model of your device, your device’s unique ID number, and contact list. How long they keep that data depends on the campaign. The Trump campaign told CNET that its data retention policies are defined by the end-user license agreement in the application, which does not provide detailed information about who owns your data or for how long. A spokesperson for the Biden campaign explained that “when the campaign is over, we’ll delete our data,” though the Democratic party is building a data exchange platform intended to make sharing voter information easy. The Republican party built a similar platform prior to the 2016 election.

The real power of your voter file is unlocked when it’s combined with data that campaigns purchase from commercial vendors. Many credit monitoring and advertising agencies gather and sell , including your income, how you spend money, your family members and . Political data miners and consultants often sell information about your demographics and psychographic details, and companies like Morning Consult conduct targeted surveys on how voters feel about specific issues.

The first is your voter file. In most states, your voter registration details are available through the Secretary of State’s office, including your home address, party registration, and voting history. This Resource site information can provide campaign strategists with enough information to target you with broad messages. 

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Last season’s Golden Boot winner had just extended his 100 per cent scoring record at The Hawthorns to five games and – cheeky as always – he could not resist a dig at the absent Albion supporters who were doubtless berating him in front of their televisions.

The fixed rate home mortgage loan is good for the person who needs to be able to know exactly what their loan payments are going to be from year to year. The person who finds his stomach tying up in knots over the prime interest rate is a prime candidate for this type of loan. The fixed rate loan is the choice for the person who does not like risk. This loan has an interest rate that does not change with the fluctuations in the economy. Even if the interest rates go up, this loan will not change. If you are planning on being in your home for a long time, then this is the best way to go.

If your state allows payday loan lenders, you might see them in some parts of your city and not others. For instance, there might be more of them where poverty rates are high and income levels are low. These types of lenders tend to target minority groups as well as those who have very low credit scores who don’t otherwise qualify for traditional loans.

All data — not just the personal information used in politics — can be faulty or only partially accurate, Khanna said. “Algorithms are coded by humans, and humans make mistakes … campaigns go to war with the data they have, not the data they would like to have. So often what they have is kind of a rough guesstimate of details about you, your background, your political persuasion, and what you might do in the next election. But it’s by no means perfect.”

Recruit a cosigner If you can’t get a loan from an online lender or credit union, you may want to ask a friend or family-member to cosign a loan. The cosigner should have decent credit; it’s their score and credit history will help get you over the eligibility hump. Keep in mind that if you fall behind on payments, not only will  suffer; so, too, will your cosigner’s.

The adjustable rate home mortgage loan is a good option for those that don’t mind a little risk.  This loan will fluctuate with the economy and if the interest rates drop there can be a great deal of savings realized by using this form of loan. When interest rates drop this is a great loan to be in, therefore making it a wise choice for the person that has reason to believe that the interest rates will be heading down.  his is also a wise choice of loans for the person who doesn’t intend to be staying in the loan for a long time. 

Unlocking your personal data: How it works  Technology helps campaigns scale voter turnout initiatives, but data-driven campaigns are as old as ballot boxes. Modern get-out-the-vote efforts date back to the 1970s, said Paul Westcott, vice president of L2 Political, a nonpartisan data provider. His firm creates voter mobilization tools for campaigns by bundling publicly available information with proprietary data.