Self Ban Registry for Addictions

I had an idea that I thought could help smokers, alcoholics, and gamblers.

Create a national registry that people can voluntarily add themselves to that associates their drivers license number with a self-ban list for their addiction of choice.

For example, a smoker could add themselves to the cigarette ban list. Any time the smoker went to a grocery store or convenience store to buy cigarettes, the clerk would scan their license. If their name came up as banned, the clerk would not sell that person cigarettes.

Same thing with gamblers – casinos would scan the drivers license of all gamblers and reject entry to those who had added themselves to the compulsive gamblers list. Same thing with alcoholics – grocery stores, restaurants, and liquor stores would scan the licenses of the buyers and reject those who self identified as alcoholics.

Potential objections to this idea:

  • Would it be expensive? No – it would be a very simple web application with an API that could be integrated with any convenience store or restaurant point of sale system.
  • Would it be intrusive? No – people would only voluntarily sign themselves up for this. If you don’t want your information tracked, you don’t have to sign up. The only thing tracked would be license numbers of those on the self ban list.
  • Would it reduce profits of cigarette companies, breweries, and casinos? Yes – and that’s a good thing. The higher their profits are, the more human suffering they have created.
  • Could someone else add me to the list as a prank? No – you add yourself to the list at the DOL where licenses are issued.
  • Would this process make checkout longer? No – many grocery stores already scan your license to check your age.
  • Could you un-ban yourself if you wished? Yes – you could go back into the DOL and un-ban yourself. Perhaps have a week cooling off period.
  • What would the penalties be for violating the ban? I’m not sure. Could just be social pressure with no fines. Or it could be a $100 fine per instance or something like that.
  • If this is such a good idea, why hasn’t it been done already? Probably because very wealthy and powerful companies that prey on people’s addictions would lose money, and the corrupt politicians they support oppose it.

 

CEOs

Vistage so far has been a pretty great experience. I learn a lot doing the once a month all day training session with other CEO’s and it is good to have a coach who holds me accountable in 1 on 1s monthly.

I also have had the unexpected benefit of going to lunch with several of the CEO’s so far and they have shared a lot of good ideas with me and helped inspire me in new directions in the business. Pretty awesome!

Healthy & Happy Life

I have been researching and reading studies on what helps people to lead the happiest and healthiest lives for many years and have narrowed it down to 3 core areas: Physical, Mental, and Emotional. See below for how I organize my life and to see what I have found to work best:

  • Physical – this is most important to overall well-being
    • Nutrition / Diet / Food
      • Shop for food when you are not hungry and try to buy more healthy food than you will probably eat. The best way to avoid cravings for bad food is to stay full of good food. You also want to make it easy to eat something healthy – make a big batch of food early in the week, refrigerate it, and eat it over the next few days. Keep healthy snack options on hand like bananas or apples.
      • Eat as many vegetables and fruits and nuts and seeds as you can
      • If you eat meat, try to have more chicken (especially thighs) and fish. Try to have less red meats, and especially avoid processed red meats like sausage or pepperoni.
      • Never eat processed sugars, especially sugary drinks like soda or juice (juice is bad for you)
      • Don’t get on any short term diet… try to find foods you are happy eating for years. Crash diets will usually cause you to lose weight for a month or two, then you will put back on more weight than you had before.
      • Caffeine & alcohol & other drugs… remember these are short term loans that you will have to pay back with interest. Caffeine just makes you feel more productive, you are not actually more productive. Then you will have a mild caffeine hangover which makes focusing harder. Alcohol can be really fun for a short time, but the hangover is almost always much more painful than the extra joy you got from the alcohol.
    • Exercise / Sports / Activities
      • Find fun physical activities you enjoy…. Hiking, walks, bicycling, pickup basketball, rock climbing, running, frisbee, ping pong… whatever it is, and try to do it as often as you can. It’s easier to stick with a workout you like and look forward to, even if it is not as intense as lifting weights in a gym or running on a treadmill.
      • Set goals for yourself. Maybe it is just walk one more block each day than you did the day before, or do one more pushup than you did the day before.
      • While working, try to spend a minute or so looking around each hour. Every couple of hours, stand up and walk around, maybe do some pushups. At lunch, go for a walk. Use a standing desk to work part of the day.
      • Try to do at least one bigger physical activity a week… spend a few hours walking around an area or going on a hike.
  • Emotional
    • Call a loved one each day… family member or friend. I have a 10 minute daily drive to work and make a call to someone on my way to work each day and my way home (mostly my grandparents in the morning since they are the only ones that pick up that early lol).
    • Get a significant other. Humans are social / tribal creatures and we need our fellows around us. A significant other can provide significant stability and help you live a much healthier life overall. Be very careful who you pick though… if you fight often (more than once a week) or fight badly (escalation), that is a big red flag. Pick someone who is stable and supportive and nice to you.
    • Spend time with friends regularly. I rock climb with friends three times a week. Once a week I’ll have lunch with a client or friend or someone like that. If you want to have a longer lunch break once a week to meet someone, that is fine as long as you get all your hours in that day and don’t miss any meetings or anything.
    • Don’t have a long commute. The single biggest factor in quality of life according to many studies is the length of your commute. The farther you drive each day, the less happy you are. You lose many hours of productive / fun things if you commute. Remember you hang out with friends / family 2-3x a week during nontraffic times, you go to work 5 days a week when everone else is trying to do the same thing.
    • Live within your means. Make a budget and put at least 10% each month into a savings account. Pay off your credit cards in full every single month. Pay down debt as quickly as you can. Don’t take on new debt for a car.
    • Write down something you are grateful for each day. Studies show over time this practice rewires your brain to be more optimistic and happy
  • Mental
    • Try to learn something new each day. A foreign language, a programming language, read a nonfiction book,
    • Avoid television. Video games are okay because they are more engaging.
    • Find personal projects you are interested in doing… gardening, a construction project, a website, etc. and pursue these.
    • No screens (phone, television, computer, tablet) an hour before bed. Kindle or books are okay.
    • Try to go to bed early. Sleep at least 8 hours a day (or just lay in bed for that time without your phone if you cant sleep, eventually you will train your body)

Remote work secrets:

General tips:

  • Track what you do each day. Even if you don’t accomplish your goals, just write it down. I use a Google Sheet for this with a row for each day and a column for each major item I want to track, but you could use a notebook or whatever works best for you.

Menopause & Midlife Crisis in Men

Hypothesis : When the female in a married couple enters menopause, it triggers midlife crisis in the male partner.

Menopause is defined as occurring 12 months after your last menstrual and marks the end of menstrual cycles. It can happen in 40s or 50s, average age in United States is 51.

Midlife crisis usually involves changing your entire life in a hurry. It is not a medical diagnosis like menopause. An example of symptoms might be changing jobs, spouses, getting a red sports car. Men most often struggle with this in their 40s and 50s.

My theory (unsubstantiated at this point) is that when a man realizes his female partner can no longer bear him children, he suddenly feels like his time to make a mark on the world is running short. Usually “make a mark” means spread his seed even if he won’t openly admit to that. This is why a 45 year old man might do silly things like bleach & style his hair, buy a red sports car, leave his wife, drink more, etc. Think of the classic example of the man in a midlife crisis from the movie “American Beauty”. He wants to find a new, still fertile, mate.

From an evolutionary perspective, it would make a lot of sense for menopause to trigger midlife crisis in men. By the time menopause begins, the couple will have had all the children they are capable of having and usually those children will have reached an age where they could survive with or without the father present. The man can spread his genes much further by leaving and finding a still fertile mate to have more children with. This would result in a man who had a midlife crisis spreading his genes much further than a man who did not. Over many generations, you would eventually be left with only men who had midlife crises.

So is my theory true? If the theory is correct, can anything be done about it? Or are marriages just doomed to go through rocky times when the female enters menopause and the man starts his midlife crisis?

The HBO television drama “Big Love” gave me an idea on an option here – multiple partners in the same relationship. When the main character starts to have a midlife crisis, he and his wife added another wife to their relationship. The show was a soap opera, and so had lots of ridiculous plotlines.

The idea though is intriguing. The man resolves his midlife crisis without leaving his wife or family. The wife gets another partner for support and help in babysitting. The new wife gets to join an emotionally and financially stable partnership to have her own kids.

I think the reason why polygamy is illegal is not that it is bad for the partners in the marriage (it may be a positive thing) … it is bad for society in general. Why? When you have lots of men with multiple partners, that means that many men out there are left with no partners at all… and a man without a partner can often be unstable and is 3-7 times as likely to be violent and commit crimes. That is why society so strongly fights multiple partners in a marriage.

 

Expanded Career Advice

I will expand on my previous post where I quoted someone from Reddit saying basically that no one knows what to do with their lives and when you try something you often build more enthusiasm for it.

I think that this is something that is very true. If you bring passion to your job (whatever it is – garbage man, graveyard shift shelf stocker, financial analyst, etc), you will over time grow more excited about your work. Your expertise will deepen in your area. You will evolve to become that person.

The worst thing you can possibly do is to sit and wait for the “perfect career”. That will never come. Try a flawed job in an area that is interesting to you and you will often find you can work your way up to much better perches.

The High Cost of Travel Time

One important factor many people don’t consider is the cost of travel time.
Many times when we travel, we can spend 3- 24 hours of travel time. This is time that is generally uncomfortable, and sometimes painful. It is time that is lost productivity (we can’t work or exercise effectively). It affects the productivity of the time before & after with recovery.
For example, visiting my grandparents is a 2 hour plan flight… but it also has the following time costs:
  • 1-3 hours lost productivity in arranging schedule
  • 30 minutes packing
  • 30 minute drive to airport
  • 1.5 hours in airport
  • 2 hour plane flight
  • 30 minutes disembarking
  • 1 hour drive to grandparents
  • TOTAL – 8 hours lost productive time
  • ROUND TRIP TOTAL – 16 hours – That’s 2 full lost workdays.
Visiting Long Beach example:
  • 20 minutes prep
  • 50 minutes drive time
  • TOTAL – 70 minutes
  • ROUND TRIP TOTAL – 140 minutes
Bangkok visit example:
  • 3-5 hours lost productivity in arranging schedule
  • 1 hour packing
  • 30 minutes to airport
  • 24 hours flight / travel time
  • 1 hour to hotel
  • 4-8 hours lost productivity in trip recovery time
  • TOTAL – 35 hours lost productivity
  • ROUND TRIP TOTAL – 70 hours… Several lost days worth of time.

Should I Buy A House Now?

Nick and I talked about the stock market and real estate market today. As you know, Nick is head of mortgage sales for Zillow. He says that he doesn’t see how the real estate market can go much higher than it is now…. he thinks it will go down. The Fed is going to be raising interest rates several times this year.
Currently the Federal Reserve interest rates stand at 0.75%. The Fed is expected to raise rates 3 times in 2017 to 1.5%. It has said it intends to raise rates to 2% in 2018 and 3% in 2019. This means mortgage rates will rise accordingly (and probably a bit more).
Currently mortgage rates are 4-4.3% for a 30 year fixed rate loan. If rates go up, here is what payments on a $500,000 mortgage look like:
  • 4% – $2,400
  • 5% – $2,700
  • 6% – $3,000
  • 7% – $3,320
  • 8% – $3,670
  • 9% – $4,020
Most people buy all the house they can afford… they spend 33% of their income on housing on average. This means that each time interest rates tick up, they can afford substantially less house.
Ultimately, increasing mortgage interest rates will substantially tamp down demand. People will get priced out of the market and will be unable to buy. Demand decreases will lead to price decreases in houses.
If we bought a house today, we are at a high risk that the house would substantially decrease in value. This leaves us two choices:
  • Buy something small that is a lifestyle purchase (under $4k / month in payments). This house would likely go down in value too.. if interest rates went to 7%, the house price would likely fall 25%. A $800k house would lose $200k in value. This is the equivalent of paying $5,500 in rent for 3 years.
  • Wait 2-4 years for prices to come down
    • Rent a million dollar house now?
    • Stay where we are (I dont like)?
Nick’s futher advice from his just buying a house – Don’t buy a house and be poor in it… install baller sinks and countertops… furnishings and that sort of thing.
My conclusion is that if we do buy, we should limit ourselves to $4k or less a month in mortgage payments. This caps us at an $800k budget. From an investment perspective, I would prefer not to buy a house now. If we must do so from a lifestyle perspective, we should get something smaller.

Snap / SnapChat IPO: AVOID AT ALL COSTS

Snap / Snapchat says in their filings for their IPO “We have incurred operating losses in the past, expect to incur operating losses in the future, and may never achieve or maintain profitability”.

This clearly violates Warren Buffett’s only two rules for investing: Rule Number 1: Never lose money. Rule Number 2: Never forget rule number one!

Warren Buffett strongly believes that the market is often very WRONG about a company’s value in the moment, but eventually the market price will reflect true value. Snap / Snapchat is clearly a company that is far overvalued… it will never turn a profit and will turn into a quagmire like Twitter (which has also always lost money and is slowly sinking).

Twitter has a lot of similarities to Snap / Snapchat: they both are fringe social networks that have never made money and don’t have much hope of doing so. Twitter has LOST half a BILLION dollars every year for the past 4 years on average.  The stock price has slowly sunk from $57 per share to $15 per share.

Another major concern is that Snap / Snapchat is getting crushed by Facebook in all of the important user metrics:

  • The average daily Snap / Snapchat user only spends 25 minutes on their app. The average Facebook user spends over 50 minutes a day on their app.
  • Facebook has 1.86 billion monthly average users, Snap / Snapchat only has 158 million daily average users (they don’t reveal monthly average users to avoid comparisons with Facebook). This means Facebook is 20x larger.
  • Facebook’s platform is far stickier and far superior and draws in a much wealthier and older demographic than does Snap / Snapchat.

If you buy Snap / Snapchat your only hope is that some larger company comes and buys them. Why would anyone be that stupid though?

 

How To Beat a Patent Troll in East Texas

Below I will share the the contact information for the outstanding attorney who helped me, the letter I wrote to the patent troll, and my general recommendations on how you also can beat a patent troll if sued in EDTX.

A patent troll brought a lawsuit against my company, CoalitionTechnologies.com, in the Eastern District Court of Texas. My attorney and I were able to get them to voluntarily dismiss the lawsuit shortly afterwards.  I won’t be naming the patent troll here as they voluntarily dismissed the lawsuit.

Coalition has a policy of never settling frivolous lawsuits and fighting all the way to the bloody end. We recently won a judgement with attorneys fees in another lawsuit.

When I first received the notice that I was being sued, I freaked out a little bit. I didn’t sleep well for the next couple of nights, but began working on this right away. I contacted a couple of dozen Texas patent attorneys, most of whom quoted outrageous prices ranging from $200 to $600 per hour and some asking for a $25k retainer upfront! I soon realized that all of these Texas patent attorneys are in the same game with the patent trolls… these attorneys make money the longer the legal process gets drawn out. I was contacted by Amit Agarwal (310-351-6596 – based in LA but he can operate anywhere) and at first I was turned off by his aggressive approach. However, I spoke with my other attorney and he said it won’t hurt to give him a shot. I signed up with Amit and it was the best decision I could have made. Amit brought a very aggressive approach and quickly got the patent troll to back down and dismiss the lawsuit.

The lawsuit was mostly dismissed after Amit really went after the troll and their attorneys with some great research and motions he spent Christmas writing. I do think the letter I sent to them also played a part in getting the dismissal. The letter shows that I understand their business model and am committed to fighting them and making their lives miserable and will never give them money:

To whom it may concern,

I am sure you receive many letters from angry business owners or the attorneys representing them who have just received your patent lawsuits. I have a very good understanding of your business and already have committed to a course of action to handle this type of “patent troll” lawsuit, so I think you will find this letter to be a bit different than what you usually receive.
I have been closely following the non-practicing entity lawsuit industry and determined years ago that I would take the same approach as Lee Cheng at Newegg. I have also been a strong supporter of the Electronic Freedom Foundation and have been in contact with Daniel Nazer there.
Your business model: The business model you are using is to acquire cheap patents and then partner with patent attorneys to work on a commission only basis of any win or settlement. You then file lawsuits against 10-15 companies at a time with the goal of getting companies to settle under an NDA with minimum fuss for a reasonable dollar figure. Since you are filing so many of these identical lawsuits, you have all the paperwork that you can just do a find and replace in each to move forward. You are willing to go all the way up to trial, since you expect a minimum of work and a high likelihood that the business will find it cost prohibitive and frustrating and just settle. You file these lawsuits in the Eastern District of Texas as this is a court notoriously friendly to plaintiffs and patent holders, while also very inconvenient for defendants. You anticipate that the businesses targeted will have to hire your friends at other law firms and pay them high legal fees. Ultimately, you expect that businesses will say “This will cost us $100k-1m to litigate, we will settle for 5-10% of that”. Do you agree that I have a fair understanding of your business?
Your patent: Patent No X,XXX,XXX is clearly one of the patents that the USPTO office rubberstamped on it’s way through. It is way too broad and covers 99% of all websites on the internet. There is lots of easily accessible prior art. You wouldn’t find any infringement anyways. Your goal clearly is to not actually fight this patent in court, but to rely on the high legal expenses on the way to win to force defendants to settle.
My defense: The way to fight a patent troll is to gather all potential plaintiffs together and to organize a unified defense: we can share court documents (find and replace like you use), defense strategies, ideas, and even the attorneys. We know we won’t get a fair hearing in Eastern Texas, so we are committed from the start to go up through the appeals courts. We will fight this as far as we can and we will win. I will reach out to the other victims of your scheme: XYZ, ABC, DEF,  etc as well as try organize all companies that you would try to apply this to in the future. I have a strong relationship with XYZ and several other companies you are going against and they will undoubtedly join me. I will make a strong case that no one should settle and that we should all fight it all of the way through the courts. I will show that it will be far cheaper to do this with me then to pay you off to go away. 
You rely upon easy settlements and those will completely dry up. I will watch for every lawsuit you file and contact the defendant immediately to join me. You will go years with zero settlement money while we fight this out and get your patent tossed. We will aggressively try to get your attorneys disbarred if warranted, as in our opinion we believe it will be, and if warranted will find reasons to sue the patent owner personally. We will fight everything you do and make an enormous amount of work for everyone involved on the patent troll side.
Publicity: You targeted an industry that specializes in public relations, so along the way to our victory, we will aggressively get the message out about how honest companies and hard-working entrepreneurs are getting scammed by patent trolls. We will share details of this lawsuit and others with reporters and everyone else.. How would you like everyone you know – your family and friends – to realize you have no ethics and do nothing to innovate but simply extort money from those who do, which in our opinion is the case? We will make this as painfully public as possible. We will never sign an NDA to have settlement talks, so please don’t even mention the idea. If necessary, we will blog the entire process of the lawsuit, get articles written in major publications, and make sure that anyone searching for the patent owner and the CEO of the patent firm (who has already been arrested previously for tax evasion), and anyone searching for the attorneys involved finds information about this situation.
My character: I have built my company from scratch and have never had an investor – it is entirely self funded with my blood, sweat, and tears. That means I have complete decision making authority to fight you all the way. I will never support your business model by paying you a single dime. I will fight this case to the bitter end. I know I will not get a fair hearing in Eastern Texas and so I have already committed that even if I lose, I will appeal and appeal and appeal. I will fight this to the absolute limit and liquidate my company if I have to. I have studied the patent troll business model for a long time. I believe you and your industry are a gigantic suck on the American economy, that patent trolls destroy innovation and hurt good people and businesses. You are evil and the reason people hate lawyers. I believe there are very few things in this world worse than a patent troll. I am going to make it my personal, principled mission to destroy everyone involved on your side of this case if it moves forward.
My previous lawsuit: I just completed a lawsuit that was far more difficult to win than this one. It took two years, a lot of money and effort, however, we did win the case and also were awarded six figures in attorneys fees. Both attorneys and the judges said that 97% of people settle in similar situations, but I fought it all the way through. If you’d like to talk to my attorney in that case to find out what a bulldog I am, I will be happy to provide his contact information. We are also currently pursuing discipline against the attorney that represented the opposing party. I anticipate a much easier win in this case and a much higher likelihood of successfully getting the attorneys in this case disciplined for bringing cases that are an abuse of the court system.
Insurance: I checked my policy and it appears to specifically exclude patent infringement, meaning that I have full control over this lawsuit and can fight it all the way to the end. We are fully self funded and have very little to pay even if we ended up losing after appeals and everything else.
Your one and only settlement offer: Once I begin organizing all of the other defendants and potential defendants, I will have to commit to each one that I won’t be settling and that I will fight this all the way through and make it as public as possible. You are probably hoping that the rest of this email is just hot air and in a few months I’d simmer down enough to settle. However, I will be making commitments to a lot of other people to fight this all the way through and will be fully committed to fighting this the full distance. So my true one and only settlement agreement is this: I will pay nothing and you will give me a written agreement that you will not bring any cases against me in the future. If this happens, I will not start organizing other defendants and potential defendants, and I will not start the aggressive publicity campaign. You will have no more easy settlements from any defendants for years as we fight up through the appeals courts if necessary. You have five business days (end of day December 27th 2016) to reply to this settlement offer, then I will begin organizing and contacting all other plaintiffs and fighting this.
I look forward to hearing your reply soon.
My general recommendations on how to fight a patent troll (keep in mind I am not an attorney, so take my advice with a grain of salt):

 

  1. Contact Amit Agarwal – http://www.agarwalpernas.com/. Four days after I began working with him the troll voluntarily dismissed the lawsuit.
  2. Understand the patent troll business model. They live on your fear of high legal costs and are hoping you agree to a big settlement where they did very little work. If you break their business model by fighting them all the way through, they (and future patent trolls like them) will leave you alone.
  3. Do not hire the regular EDTX patent attorneys – these guys make big money in legal fees from you, then just settle anyways. The patent troll wins by taking home a big settlement, your attorneys win by making lots of money in legal fees from you, and you lose by paying everyone who takes part in this scam.
  4. Be willing to bring massive publicity in. Many companies are embarrassed that they are being sued and try to keep it quiet. You want to do the opposite – try to get articles in every major publication possible and show the world how the patent troll scam works. The group who sued me was very publicity-averse and I think this may have played a part in the early dismissal.
  5. Do your research. See what date the patent troll created their business in Texas and where it is registered. See who else the patent troll has sued. See who the executive officers are at the patent troll and research their attorneys thoroughly.
  6. Look into other people who have fought off patent trolls in the past, especially looking at NewEgg for inspiration.
  7. Support the Electronic Freedom Foundation – a group dedicated to helping get patent reform through to prevent this sort of lawsuit in the future.
  8. If you don’t have the money to hire an attorney, represent yourself. Just never give in to feeding these patent trolls more cash or they will only swell in size and power and be back to harass you and others in the future. Fight to the bloody end! Apparently you are not legally allowed to represent your own LLC. Thanks lawyers.
  9. I will not be taking any clients or employees on in the future in the Eastern District of Texas until they get their kangaroo court fixed. I posted a notice stating this in the footer of my company’s contact page as well. My attorney tells me that should keep me out of their jurisdiction.

 

 

Make Managers, Directors & Shareholders Liable

For many years, cigarette companies fraudulently hid evidence that smoking causes a myriad of health issues. Cigarette company managers directly hid the evidence their research teams found, cigarette company boards of directors knew and hid the same information. Enormous human suffering and pain has been knowingly caused by these people. Why did they do it? The managers and directors received huge salaries and bonuses for many years and retired fat and happy.

Is this an isolated incident?

No. The exact same pattern has played out over and over again. Before the 2007 financial crisis, real estate agents, mortgage managers, and bank directors knowingly got people into homes they could not afford then took enormous multi-million dollar bonuses each year.  When the house of cards collapsed, these people kept their ill-gotten gains.

The same thing continues to happen all the time in many businesses ranging from Wells Fargo’s fake accounts, Exxon’s half century of hiding climate change information, Comcast & TWC’s payments to landlords and cities for exclusive monopolies, Volkswagen’s falsifying of environmental data from their diesel cars, and many other areas.

This is a systemic problem that needs a systemic solution.

The reason that these issues have been happening and will continue is that corporate managers, boards of directors, and shareholders can collect enormous financial wins while taking risks with other peoples lives that they will not be held accountable for.

How do we stop systemic abuses like those perpetrated by cigarette company managers, bankers scamming the system for big bonuses, and oil companies hiding climate change research?

Make managers, directors, and shareholders PERSONALLY liable for their actions when in their positions for twenty years. If they commit unethical or illegal acts today, then when they are discovered in ten years we can sue them and take their salary and bonuses back that they had illegitimately earned. Do not allow companies to buy insurance companies to cover this risk. If people are afraid personally, they will not make the business decisions that put someone else’s life below their own personal gains.

Some people have argued that shareholders should not be liable for decisions of boards of directors or managers they can’t directly control. My suggestion is that they can and should be liable so that they seize this control and enforce strict standards on their boards of director and managers.

Others have argued that managers and employees should not be responsible for decisions made higher up. The same argument was made at the Nuremberg trials that the concentration camp guards were just following orders or didn’t really know what was going on. Those people put their own financial / career well being over the very lives of others. If you are asked to do something unethical or if your company is doing something harmful to the world, then you should be obligated to quit and find a better place to work. You should not be able to keep financial gains that you obtained at the expense of other people.

To summarize, make these changes to our law and you will see a lot of the extremely harmful abuses by businesses disappear overnight:

  1. Make company managers, boards of directors, and shareholders directly and personally liable for unethical decisions and actions of their company.
  2. Do not allow companies to buy insurance policies that protect individual managers or directors or shareholders from the effects of unethical behavior.