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Facebook’s $5 Billion Fine Encourages Executive Misdeeds

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Facebook’s $5 billion fine by the Federal Trade Commission (FTC) for serial privacy abuses doesn’t go far enough. After the market received news of the fine, Facebook’s market value spiked $10 billion, and Chief Executive Officer (CEO) Mark Zuckerberg’s net worth rose $1 billion. Facebook’s leaders rejoiced. Why not? Facebook did not agree to wrongdoing, and the market price rose. FTC charged the firm with the crime because it “deceived users” that users could control the privacy of their personal information. This result was good for Facebook. The firm pays, not an executive or executives; now they can continue greed-induced policies, unconcerned. A $5 billion fine is not a significant penalty. It’s 23% of last year’s profit ($22 billion) and less than 10% of revenues.

Facebook’s $5 billion Fine Excuses Its Leaders

Who or what is Facebook? It doesn’t walk, talk, or think; so how did it commit this breach? Its senior executives, CEO Mark Zuckerberg, Chief Operating Officer (COO) Sheryl Sandberg and other leaders decided matters; they are the culprits. Thus, the law must hold them accountable, not the shell, the vessel, the inanimate corporation, Facebook. To fine the company and not its executives sends a terrible message that leaders exploit. They get a free pass when their greed and other acts lead to wrongs. And they gain until it’s stopped; then the “vehicle” pays. That’s akin to the law giving a drunk driver’s car a ticket while exonerating the driver.

Supreme Court Made Corporations People

To fine a company and excuse its leaders is part of a broken system that needs urgent repair. But that repair won’t happen because the Supreme Court’s 2010 ruling reaffirmed companies as people. I understand the rationale. It is easier to tax, sue, and fine companies than people. It’s harder for prosecutors to convict people in companies than their firms. Sometimes, it’s hard to prove who committed these crimes. So, it means we must work smarter and harder where evidence shows the firm’s widespread misconduct. The law must hold at least the CEO and the board chair to account.

The Supreme Court’s decision doesn’t prevent penalties for executives. It goes beyond the executive’s legal liability. But, because it’s easier to assign blame to the firm, leaders take dangerous risks and get a free ride when those risks cause crimes. So, leaders abuse people’s privacy, commit fraud, collect bonuses and investors pay for the misdeeds. Big Pharma is an excellent example that crime pays. But, their behavior hurt, and sometimes kill people. It must stop; prosecutors must sue the firm and its leaders.

Big Pharma Gets Away With Much

Corporations are not humans; they don’t decide. Where “a firm” harms people with products or services, the law must pursue a person or persons. It’s improper to charge the firm alone when the firm did not decide. The board chair, CEO and COO must account. Prosecutors did not accuse or jail one senior executive on Wall Street for the crimes that caused the Great Recession. I am not referring to bad decisions but corrupt practices. Wall Street executives will continue to ruin lives and make huge profits. That’s wrong! How can people commit crimes, collect big bonuses, and continue unscathed?

Pfizer, Wells Fargo, financial firms before 2008 are poster children for how people commit crimes but pay no penalties. If the law charges firms alone for wrongdoings, company leaders have a natural incentive to accept risks that might even take people’s lives. While executives don’t design products to kill, they know the vast profit potential from new “breakthrough” drugs, for instance, with no downside. That’s the Pfizer, Big Pharma way!

Pfizer’s Trangressions

Pfizer paid billions for its many misdeeds, yet, no executive got jail time. Several deaths linked to Pfizer’s heart valves concerned the Food and Drug Administration (FDA), but that did not stop Pfizer from distributing these valves. It took 300 deaths before Pfizer stopped production. By then, thousands of people had implants. By 1994, Pfizer spent around $200 million to settle related lawsuits.

Pfizer’s sins continued in the 2000s. In 2009, it agreed to pay a record $2.3 billion to settle criminal and civil liability for illegally promoting certain drugs. American Greed April 7, 2010, featured these crimes. Two of its subsidiaries pleaded guilty to a felony for misbranding Bextra with the intent to defraud or mislead. Pfizer’s corrupt practices continued. In 2016 it had two big events. First, it paid $784 million to settle underpaid Medicaid rebate charges. Second, it agreed to pay $486 million to settle a class-action securities lawsuit that it misled investors about Celebrex and Bextra’s safety. Then in May 2018, it agreed to pay $23.85 million to resolve assertions it infringed the False Claims Act by “paying kickbacks to Medicare patients… ” Pfizer had pricing, safety, marketing and other misdeeds and paid billions in fines. But, its executives escaped jail in each case.

Big Pharma Fined Billions But Nobody Jailed

The facts show greed and lack of integrity permeate Pfizer and Big Pharma’s culture. Can we trust Pfizer or other drug companies? Why does the FDA allow them to put the public at risk with their aggressive and coercive tactics? Do their lobbying activities shield them? The Pharmaceutical Research & Manufacturers of America spent $28 million to Pfizer’s $11.5 million lobbying Washington in 2018. And Pfizer spent $1 million on Trump’s inauguration gig. Are these amounts Pfizer’s insurance premiums?

It’s a disgrace that Big Pharma’s crimes hurt so many people while leaders and politicians gain. What will it take for Pfizer and others to behave in an ethical matter? The system condones their behavior. The issue isn’t their profit motive. I support firms making profits, but not while lying, cheating, and destroying lives.

Wells Fargo Fined $1 billion Nobody Jailed

The Consumer Financial Protection Bureau (CFPB) fined Wells Fargo $1 billion in 2018 for “conduct [that] caused and was likely to cause substantial injury to consumers.” Wells Fargo broke the law and hurt its clients. It over-charged mortgage interest rate-lock extensions and ran a mandatory insurance program to hike clients’ auto loans. The scheme pervaded the firm, so leaders knew. Did they approve it? Or did they ignore it? Either way, a person or persons must pay. But no senior person did; not the CEO or board member. This abuse followed the earlier 2016 one where the CFPB fined $185 million to settle “the widespread illegal practice of secretly opening unauthorized deposit and credit card accounts.” Again, no person jailed or fined, but they fired lower-level staff. Today, Wells Fargo seeks to rebuild its brand, but some employees see no systemic change.

Firms Should Keep Limited Liability But Hold Leaders To Account

When we treat firms as people, serious negatives result. First, it stokes leaders innate greed that’s obvious by Big Pharma’s actions which hurt the public. They break the law confident the law won’t punish them as they pocket hefty bonuses. Second, it drives lobbyists to bribe dishonest politicians to block needed laws to protect the public. Third, district attorneys don’t charge CEO’s whose “support” they might need to reelect them; so they penalize their firms instead. The umbrella effect is people decide, but their firms pay for their conscious decisions that hurt people and the environment. I repeat: I do not refer to bad choices, but illicit ones.

Business is an entity that offers services to clients. While employees present these services and goods, they take various risks; that’s normal. Business is the only wealth-creating entity in society. We must encourage firms to grow and create jobs. But we should recognize business as a wealth-creating vehicle driven by people. Companies should get no welfare benefits, pay no taxes, and pay fines only when the CEO, board members, or other senior executives do. The firm’s fine should send a message to the owners to remove the leadership and get them to return bonus earned for fraudulent activities. We must penalize a person or persons for the firm’s illegal acts. Does this idea remove investors’ limited liability? No, it sees people in firms who decide and who should go to jail and pay fines for their crimes.

Proposals To Resolve Negative Effects Of Treating Firms As People

I support a limited state’s role in business and the economy, few but applied rules, and leaders held liable for their illicit acts. Limited liability corporations’ (LLCs) present status is vital. But leaders decide, and the law must hold them to account for their crimes, not their firms alone. Firms must pay fines for harm to the environment and people. But in every case, a senior person or persons in the firm must pay in money and jail time.

After I studied several corporate crimes where only the firm paid a fine, I don’t know why leaders avoided jail time. That baffles me! People in those firms saw breaches, and leaders fired whistleblowers. And yet, Pfizer, Big Pharma, Wells Fargo, Facebook’s leaders saw their firms fined, and they kept their rewards. They got big bonuses from their decisions until the government stopped them. Sometimes, as Wells Fargo did, leaders blame and fire low-level staff for the harmful results.

Facebook’s $5 billion fine is a wake-up call. We must hold people accountable for their firms’ crimes. Here are summary proposals to do that:

Seven Steops To Fix The Problem

  1. Don’t break up big tech firms. Politicians want to break up big tech and other large firms. That’s a bad idea because it does not consider the real issue. If we split these companies, we will multiply the problem. What is the problem? Unaccountable boards and executives. So, we must enforce existing laws. We must carry out the principle that when we assign collective responsibility to a firm and charge it, we must punish the CEO and board, too. The CEO gets massive rewards for that job, and we must hold him and her to account for the firm’s crimes. They get the credit for the boom, so it’s only fair they accept the blame.
  2. Don’t assign blame to companies. That’s absurd; never fine a company alone. A person or persons, the CEO, board, and, or other senior leaders in the firm committed the wrong. Fine the company only after charging a person or persons. And only to penalize shareholders, who must remove the CEO and others, and recover damages from them.
  3. Compel executives to repay bonus from sales of drugs for non-FDA approved purposes and other illicit gain. Leaders would have less reason to push risky drug sales to make short-term gains. Thus, Pfizer’s executives should repay the bonus earned from Bextra’s massive profits, for instance. Wells Fargo’s leaders profited from illegal accounts and other offenses. So, they must repay their bonuses, too.
  4. Get rid of corporate taxes and corporate welfare. Firms should pay no taxes on their earnings. Tax people at their marginal rates on income and benefits gained from their firms. So, tax income, dividends, and exercised stock options at the same tax rate. The principle here is to tax people, not the wealth-creating vehicle, the company.
  5. Stop former Congressmen and women and White House staff from direct lobbying, or indirect lobbying in a law firm, for ten years after leaving office. Jail people who break this rule. Ban them from presenting and voting on laws that involve people and firms from whom they have or might benefit in cash or kind.
  6. Ban advertising of pharmaceutical products unless the headline shows three things:

    1. FDA approves the drug for the advertised purpose.
    2. Side effects with the same prominence as benefits.
    3. Current issues linked to the drug. So, for Bextra, state reported problems.

  7. Ask doctors to show in their reception and offices, their relation with drug companies. This relationship creates a conflict of interest that can affect drugs doctors dispense. It has in the past. So, let’s remove the temptation. Patients must know.


It is absurd to fine a company for wrongdoing and not charge a person in the firm. I have been part of several securities class-action lawsuits. Companies paid hefty fines for lying, but the CEO, board and others kept their jobs and the law did not fine or jail them. That’s not right! Somebody lied, that person must pay. No wonder the public has a wrong opinion of business.

Today, the left clamors for socialism and demonize business. They see corrupt executives get away with much and their firms reward them with big bucks. That’s not normal! The left doesn’t know small firms are the major job creators in the economy. And that Wall Street’s greedy rogues’ behavior does not reflect these small firms or the majority of firms. The left believes the government is the answer. But, the government is inept, wasteful, and part of the problem. Greedy, dishonest politicians protect rogue executives while they collect substantial campaign funds and bribes.

We need to rid business of people who commit crimes. And we need less government involvement in business with proper oversight and effective law enforcement when executives commit crimes. Business drives the economy. It creates jobs while governments destroy jobs with corporate taxes and dumb rules.



The Art of Personal Letter Writing: 7 Basic Elements

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When was the last time you received a personal letter that was not sent by email, but regular snail mail? What type of attitude did it put you in when you received a nice handwritten letter or note outside of the stack of bills that sometimes become daily accessory items for your mailbox? After retrieving a huge box filled with an array of high school and college items from my mother’s house, I found at the very bottom, a smaller box containing letters previously written to me from some of my old friends. There must have been about fifty letters in this box before I discarded them. I couldn’t resist this last opportunity to read every one of them again. After about an hour of non-stop reading, I made a cup of hot tea and sat down to continue my journey “back down memory lane.” I remember rewriting most of my letters, especially if I made a spelling mistake or if my sentence structure wasn’t as I intended it to be. Judging from the amount of paper I wasted on editing, you would think that I was mailing them to a major book publisher instead of a friend!

Letter writing created a manifestation of memories bridging the distance between the sender and recipient. People were as meticulous about picking out decorative stationary to write their letters on, as much as the letter itself. This connection through written communication promoted the exchange of conversation, creativity and artistic expression.

The standard format that I followed practically every time I wrote a letter to my friends, immediate family who lived out of town, old sweethearts or occasionally some of my favorite teachers, was composed of the following basic elements:

1. The Heading (Name and Address)

2. Date

3. The Greeting (Dear So and So)

4. The Body (The message you are writing to the recipient)

5. The Closing (Sincerely, Yours Truly)

6. Your Signature

7. Post Script (There is the occasional comment that was not mentioned in the Body of your letter, but made after the signature, called the P.S. or P.S.S. The P.S.S. was an additional post script).

Sometimes on the back flap of the envelope, the writer would put a smiley face or an acronym like S.W.A.K. (Sealed With A Kiss) which indicated that a love letter was enclosed.

Penmanship in elementary school was extremely important years ago. It came as a surprise to me and some of my friends who are parents that cursive writing is not taught in most schools anymore. Therefore, the meticulousness and pride taken in one’s penmanship is not as evident today as it was when I was growing up. But a personalized letter or note makes you stop, sit down, read and appreciate the thoughtfulness behind the folded message. Personalized letters displayed a unique voice, taste and style. It showed that a lot of thought, even if it wasn’t especially pleasant, went into the written expression.

So why not do something out of the ordinary and make someone smile today by writing a personalized letter to them instead of an electronic one. The memories will be worth the effort, especially if the person is miles away. You will get a great deal of satisfaction from simply taking a few minutes to write an endearing personal message whether on some nice stationary or not. That would be a special gift and welcomed relief for someone to receive in the mailbox amid the endless bills.

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The Incentive of Posting On 100% Free Internet Classified Advertising Websites

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Online Classifieds Rather Than Newspapers

Throughout this article we are going to discuss some details pertaining to the importance of web based classified advertising above the newspaper press classified listing. For starters the printed media regarding classified advertising consists of newspapers, national magazines also know as the free ad service magazines. When you think far more comprehensive, you may find a serious disadvantage of the classified listings, that are often posted within the normal newsprint. More or less the typical citizens do not have the desire to read through the daily newspaper just after the actual distribution date. Anytime the classified posting is produced in a normal paper, then there’s every possibility that the consumer of the particular classified ad becomes obsolete following the day of the papers distribution. Furthermore,, a selected local newspaper is absolutely not a universal news media. The degree of the presence location of a newspaper is mainly state local level or at most a nationwide level.

Zero cost Classifieds Sites

Free campaigns is a good advertising approach to generate online traffic for free to ones web sites or any products or services you are promoting and marketing. Many individuals browse through free classified ads web sites for different services or products. Free classified advertising aim at shoppers more likely than others to buying a particular product or service. 100% free classified ads websites mostly are of two different types – some present an plan for upgrading your main free classified ad to a premium one, and for many others it remains totally cost-free. Totally free web based classified advertising internet pages get revenues by simply obtaining companies that like to add text back links and / or ads pointing to their internet pages. Internet classified advertising free internet websites which provide to insert free classified postings needs to have real individual human filtration systems. Websites that do not preserve their integrity in such a way won’t successfully become acknowledged as superior sites, even if they give the website without charge.

The Emerging Trend of Web Based Classified Ads

Classifieds may be identified as a different style of advertisement. Free classified sites often contain certain personal details, company particulars by any business, or the information pertaining to any sort of upcoming affair. Classified ads were often put to use to publish just in papers in the past. After that the classified ads had been offered to market by means of television or perhaps even the airwaves. Subsequently the Net grew to become the medium of submitting classified advertising. Today the world wide web element of classified advertising is exceptionally praised about the complete globe.

Added Benefits of Online Classified Ads

In addition, classified advertisements submitted within free of charge internet based marketing and advertising web pages along these lines offer you anyone long lasting rewards considering that your classified advertising is going to end up being indexed in the the major search engines. This gives consistent totally free site traffic to your internet business, product, service and also internet affiliate programs a long time from now. Take advantage of our absolutely free classified ads program beginning now by signing up with us now at Hampton Roads Classifieds List and start out developing long-lasting internet promotions added benefits to your internet business.

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Helpful Information Technology Training Courses

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There are a number of unique and helpful information technology training courses available these days. Some of them may be especially helpful to one’s business, depending on the needs of the business. Here are some examples.

1. Information technology leadership. Although many people aspire to work with information technology, it takes a special kind of person to fill a leadership role in this field. Many courses are now available to help cultivate such leadership skills.

2. VoIP technology. More and more business are moving away from the standard telephone systems that have been in use for decades. These businesses have found that VoIP (Voice Over Internet Protocol) systems reduce both equipment and personnel costs. Thus, training courses in VoIP technology can make an information technology worker quite valuable.

3. Cloud computing. As access to the Internet becomes more universal, a number of industries-large and small-have found cloud computing to be a viable solution. Training courses cover such topics as planning, installation, maintenance, and security of a cloud computing infrastructure.

4. Business software utilization. Although business software is easier to use than ever before, it still requires a level of training in order to get the most out of these software programs. Most businesses could benefit from training courses on specific software programs they utilize. At the very least, key personnel may take some of these courses, and then provide training to other staff members.

5. Privacy compliance. More and more countries have enacted strict legislation regarding the collection and sharing of personal data. As a result, it has become increasingly important for businesses to make sure that their technological practices comply with these laws. Because privacy and data laws can be somewhat challenging to understand, training courses on these subjects are a vital part of information technology education.

6. Software development. Most information technology managers will admit that one of their biggest expenses is the purchasing, licensing, and upgrading of business software. For this reason, many companies opt to develop their own in-house software. Besides reducing expenses, internally developed software has the advantage of being custom made to suit the unique requirements and methods of operation at a particular company. Training courses in a variety of software development programs are now widely available.

7. Technical support. Although a large amount of technical support work has been outsourced to other countries, a number of companies still care for this work themselves. Thus, there is a need to train qualified support staff to handle day-to-day issues that arise, both in person and over the phone. Such training courses have proved invaluable to companies that prefer to handle their own technical support.

These are just a few of the numerous courses available. When evaluating such options, businesses do well to consider the size and needs of their particular company, the staff available, the cost of the training, and its potential benefit. They can thereby take full advantage of the exciting advances in information technology, harnessing these powerful tools while maximizing both efficiency and profitibility.

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Spotlight on 5 Rewarding Mental Health Careers

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Think about it: you make time to service your car. You make time to take your pets to the vet. You even make time to clean your house. But how often do you make time to check in on the state of your own mental health?

With health care reform laws expanding coverage for mental health and substance abuse services, more and more Americans will be able to seek the help they need to manage stress, deal with trauma, and improve their lives.

If you want to be one of those professionals who help people look after their mental and emotional health, consider a career in psychology, counseling, or social work. We’ve broken down five popular mental health careers and their degree requirements to help you get started.


When you think of mental health, a psychology career most likely comes to mind. Psychologists use their knowledge of the human mind and emotions to help patients deal with a wide range of issues, from serious psychological disorders to addiction and recovery to couples counseling.

How to Start a Psychology Career

Requirements for psychologists vary state to state, but as a minimum, you’ll need a Master’s degree in psychology to practice. Some states will require you to have a PhD.

Marriage and Family Therapist Careers

The dynamics of husband, wives and their children are unique, which is why marriage and family therapists are a specialized group of mental health workers. They spend their time in school learning how to read and diagnose different family dynamics and treat each family member, not just one individual.

How to Start a Marriage and Family Therapy Career

The majority of marriage and family therapists have a Master’s degree in marriage and family therapy.

Guidance Counselor Careers

Growing up isn’t easy, which is why guidance counselors are hired by elementary, middle and high schools to help children and young adults throughout their educational careers. Guidance counselors make sure students are progressing mentally and emotionally, and will even assist during the college and career decision-making process.

How to Start a Guidance Counselor Career

Guidance counselors will need a Master’s degree in counseling to get started.

Rehabilitation Counselor Careers

Those who have physical, emotional or psychological disabilities need a unique kind of counseling. Rehabilitation counselors fill this need, using their skills to improve their quality of life and helping them live as independently as possible.

How to Start a Rehabilitation Career

Like the careers listed above, rehabilitation counselors need to have a Master’s degree in counseling or a related field.

Social Work Careers

Some of society’s toughest problems-child abuse, spousal abuse, homelessness, poverty, truancy-often go hand in hand. It’s the responsibility of social workers to help the men, women and children who are trapped in this complicated web of issues.

How to Start a Social Work Career

Social Workers need a master’s degree in social work to get started, and they generally also have a bachelor’s degree in psychology or a related field.

For more information on these careers and correlating degree programs, visit this health services career profiles page.

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Variety of Cleaning Approaches by Professional Commercial Carpet Cleaning Services

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Many commercial business companies with offices have carpets to create a professional look as well as for absorbing sounds to generate a more productive environment for their workers. First impressions are very important as one walks into any office with clean carpets and furniture.

Professional cleaning

Commercial business companies have big carpet pieces that require professional cleaning to keep it looking new and fresh. Commercial cleaning services use the best of cleaning resources and techniques to ensure a longer usage of the carpet to help the company save money as quality carpets are not cheap; even for a company.

There must be experienced and qualified cleaning experts who know how to handle different carpets in different commercial environments. The best of cleaning products must be applied using relevant equipment designed for cleaning them and not the common janitorial tools and detergent. There must be a proper identification of its type and size as well as the type of dirt exposed on them before a thorough cleaning is executed on the carpet.

Professional commercial carpet cleaners offer expert cleaning services that can lengthen the warranty of these. Commercial businesses with carpets to clean can request for a customized cleaning solution or package deal that benefits them. Flexibility is commonly exercised with commercial cleaning services to suit the working hours of the businesses to avoid disruption and inconvenience.

Types of cleaning methods

Different carpets would require different types of cleaning methods to ensure the continual functionality of the piece. One of the popular methods is hot water extraction with vacuuming to suck out all possible soap residues that might attract dirt.

Another carpet cleaning approach is bonnet cleaning where a buffing machine is used to pull in dirt from it. Only biodegradable solutions that are Eco-friendly are applied with minimal water to enjoy a more efficient cleaning.

Encapsulation is a new carpet cleaning process which applies a dry method without fragrances or volatile organic compounds. The cleaned carpet dries quickly after being cleaned. Carpet restoration is used on carpets that have deep stains formed over time due to improper maintenance. Re-soiled spots would be totally eradicated with a few cleaning applications to have the carpet restored to its original beauty and functionality.

There is also the anti-static control approach which is a special commercial carpet cleaning treatment used to reduce static charges on carpet. This is common in offices that have air conditioning which creates a dry environment.

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The Easy Way to Borrow Money in India As a National

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If you are an Indian national and have never borrowed money from a lender before, you might feel confused and intimidated by the prospect. The younger generations at least can easily begin to do this online, since they are more familiar with the virtual environment. The online opportunities are far more varied.

Why apply for loans online
First of all, it is extremely easy and fast. It only takes minutes to provide the lender the needed information and submit your application. Then, you need to wait to be approved, but with certain lenders that can be instant. The third and final stage is when the money is deposited straight into the borrower’s bank account. The entire process is automated, so the borrower does not have to meet any person in order to obtain the loan. Personal or business loans can be obtained on the Internet through the peer-to-peer lending system.

The kind of loans one can apply for
In India, it is possible to apply online for short or long term loans. The money obtained this way can be used for various purposes, such as marriage, education, car, land or home purchase and so on. Loans generally start at Rs. 10,000. Make sure to pay maximum attention when you agree on the repayments period – you must make sure you can make repayments as promised.

Eligibility criteria
To obtain a loan online without any hassle, just make sure you follow the guidelines. Also, you need to meet the eligibility criteria. Before applying, the individual needs to gather all the documents required. The PAN card will usually be necessary, as well as Aadhar card. The client must provide an address proof. The electricity bills required are not always a substitute for this proof of address. As soon as all the documents are gathered, the client should scan these and send the copies online in the provided form. Lenders require to see each client’s credit score before they decide whether to approve the loan or not. In addition, borrowers definitely need to have a valid bank account, so the money can be delivered. Nationality and residency are also important matters here. Applicants need to make proof of their Indian nationality.

How the Aadhar card helps
Having an Aadhar card can help you obtain a loan on fair terms. The purpose of the project involving it was to secure everyone’s social identity permanently. A card with a unique identification number holding biometric data can easily and accurately provide proof of identity and residency. It’s the perfect solution for today’s technological advancements that have also made quick online loans possible.

While an Aadhar card isn’t mandatory yet, it can make the entire loan application process a lot easier.

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