Business & Commercial

Unethical Website Of The Month: The Student Loan Report

/ Jack Marshall / 27 Comments

Drew Cloud is known as a journalist who specializes in student-loan debt issues.  He has been quoted extensively  in  The Washington Post, The Boston Globe, and CNBC, as well as by blogs and websites that cover student debt developments.  Cloud founded The Student Loan Report, an “independent, authoritative news outlet” covering all things student loans, “after he had difficulty finding the most recent student loan news and information all in one place.”

This week, the Chronicle of Higher Education revealed that there is no such person, and that the website was stealth marketing tool by a loan financing company, LendEDU.

“After The Chronicle spent more than a week trying to verify Cloud’s existence, the company that owns The Student Loan Report confirmed that Cloud was fake. “Drew Cloud is a pseudonym that a diverse group of authors at Student Loan Report, LLC use to share experiences and information related to the challenges college students face with funding their education,” wrote Nate Matherson, CEO of

After The Chronicle spent more than a week trying to verify Cloud’s existence, the company that owns The Student Loan Report confirmed that Cloud was fake. “Drew Cloud is a pseudonym that a diverse group of authors at Student Loan Report, LLC use to share experiences and information related to the challenges college students face with funding their education,” wrote Nate Matherson, CEO of LendEDU.

Before that admission, however, Cloud had corresponded at length with many journalists, pitching them stories and offering email interviews, many of which were published. When The Chronicle attempted to contact him through the address last week, Cloud said he was traveling and had limited access to his account. He didn’t respond to additional inquiries.

And on Monday, as The Chronicle continued to seek comment, Cloud suddenly evaporated. His once-prominent placement on The Student Loan Report had been removed. His bylines were replaced with “SLR Editor.” Matherson confirmed on Tuesday that Cloud was an invention.

Pressed on whether he regretted deceiving news organizations with a fake source, Matherson said Cloud “was created as a way to connect with our readers (ex. people struggling to repay student debt) and give us the technical ability to post content to the WordPress website.”

Two questions:

>Why would anyone trust a finance company that thinks this kind of dishonesty is acceptable conduct?

>And what does this tell us about the diligence, professionalism and trustworthiness of journalists, who would present as an expert an imaginary person who shills for a loan firm?

(That’s a rhetorical question.)

___________________________

Graphic: My informator

Morning Ethics Warm-Up, 4/24/18: Jarrar And The Kardashians

/ Jack Marshall / 33 Comments

Good morning, everyone!

1 Something stupid. I haven’t written about the Kardashians for a long time, unless you count Kanye West, but he has a legitimate claim to celebrity and the fact that he’s married to Kim K. is more or less a footnote. This morning, checking some cyanide out at the CVS, I saw this cover by the register:

Quick, now: why would it be smart and profitable to put this story on the front of a tabloid magazine? Who is Khloe Kardashian (normally I would try to find a way to get that accent over the “e” but it just isn’t worth it) and why would anyone on God’s green earth care about what she’s doing or what someone else is doing to her?

This woman is the youngest of the original Kardashian sisters, all of whom achieved fame-via-reality show after Kim’s sex tape was released and she gained fame for the size and shape of her butt. I’m not kidding. That’s it. That’s the whole basis for the culture’s love affair with the Kardashians,  and the reality show that introduced ugly duckling heavyish for a professional slut family youngest sister Khloe to America began in 2007, eleven full years ago. And what has Khloe, who is no longer heavy, or recognizable, and that was worth a book and a spin-off reality show—done since then to make her adventures worthy of the time you would normally use to alphabetize your sock drawer?  Absolutely nothing, other than appearing on TV with her weird, venal, narcissistic family, and being rich due to no fault of her won. (Her late father was one of O.J.’s cronies, played by David Shwimmer —“Ross” in “Friends”— in the O.J. miniseries, and her mother is a successful Hollywood hustler.) Here is the full extent of her societal worth, courtesy of the ridiculously long Wikipedia entry:

On September 27, 2009, Kardashian married NBA basketball player Lamar Odom, who was a member of the Los Angeles Lakers at the time. The couple were married exactly one month after they met at a party for Odom’s teammate Metta World Peace. Following her marriage, Kardashian removed her middle name to include her married surname, becoming Khloé Kardashian Odom. Kardashian adopted a pet boxer named Bernard “BHops” Hopkins, after the famous boxer.

On December 13, 2013, after months of speculated separation, Kardashian filed for divorce from Odom and for legal restoration of her last name.[43] Divorce papers were signed by both parties in July 2015; however, the divorce had yet to receive final approval from a judge. In October 2015, Odom was hospitalized after being found unconscious in a Nevada brothel, and was in a coma for four days; as he lay in a hospital, Kardashian withdrew her pending divorce petition. In an interview with People Magazine, Kardashian confirmed that they had not reconciled and the divorce had been withdrawn so that she might make medical decisions on Odom’s behalf.Kardashian and Odom’s divorce was finalized in December 2016.

Kardashian is currently in a relationship with basketball player Tristan Thompson. The couple reside in Cleveland, Ohio.In December 2017, she announced they were expecting their first child together.  In March 2018, Kardashian revealed she would have a girl. On April 12, 2018, Kardashian gave birth to their daughter, True Thompson. He cheated on Khloe Kardashian with other girls leading to him being inactive on social media at Khloe Kardashian’s wishes.

This does not speak well of the culture, American society, its values or its prospects.  My father’s generation was enthralled by the family dramas and controversies surrounding pubic figures like Charles Lindbergh, who, after all, accomplished something and displayed useful and admirable values in doing so.  His generation and the precedding one did have a soft spot for robbers like Dillinger, Bonny and Clyde and before them, Jesse James, but that was because they were styled as latter day Robin Hoods. At least robbing the rich to give to the poor is something. Actors, actresses and sports heroes have always been popular culture icons, but they were famous for their art and achievements, not just for showing up, or worse, showing up and acting like an idiot.  Imagine Babe Ruth being idolized because of fame bestowed on him solely based on his gluttony, promiscuity and drunkenness. That’s where we appear to be now. There really are tweens out there who will announce that they want to grow up to be like one of the six or seven—I don’t know where to put the former Bruce Jenner—Kardashian girls. Parents should lock them in a high tower like Rapunzel, but they won’t, because they probably hope their daughters grow up to be like Kim, Kourtney, Kendall, Khloe aand whatever that the other ones are named…Katmandu? Kalamazoo?

How can ethics survive in a culture like that? What am I doing? Continue reading →

Comment Of The Day: “From The Ethics Alarms ‘Horrible People’ Files: The Vile Progressive Professor (Yes, Another One, and Yes, I Would Fire Her)”

/ Jack Marshall / 21 Comments

More interesting musings on the proudly vicious Fresno State prof, who is the current poster model for many things: the ugliness of today’s political divide, the abuse of freedom of speech and academic freedom, and the arrogance of academia. I just realized that Randa qualifies as a fick, someone who “openly and blatantly violates social norms of responsibility, honesty or fairness without shame or remorse.”

Here is Humble Talent’s Comment of the Day on the post, From The Ethics Alarms “Horrible People” Files: The Vile Progressive Professor (Yes, Another One, and Yes, I Would Fire Her):

I’m seeing an absolute deluge of comments online rehashing the general theme of: “You free speech activists sure seem to discard your principles when it’s convenient.” And It’d like to take a moment to dissect that.

Before I get too far into these weeds, I want to make a distinction: I think the cleanest comparison between the left and the right on this issue would be the left’s protection of Randa Jarrar from firing, and a situation where the right protected someone who had invoked the ire of the left—let’s assume a Nazi. I don’t think there’s a large contingent of people lining up to say that employers should retain people who are openly anti-Semitic. There might be some, but I feel this would be the exception as opposed to the rule, and that these people would be warping the principle of free speech to things they shouldn’t. This means that almost by nature, the people saying variations of “You free speech activists sure seem to discard your principles when it’s convenient.” are almost certainly comparing apples to oranges.

But I think that those people don’t really understand the distinction that makes that true. Following that… Cast Iron Pot, meet Stainless Steel Kettle.  It would be great if just for once progressives actually lived up to their own ideals. If they believe, as they’ve been telling us for years now, that free speech has consequences, and they believe that this case is actually synonymous to all the other cases that they think prove the abject hypocrisy of the right, then by all means point out that hypocrisy, but do so in a way that doesn’t protect Jarrar… Because you’re admitting what she did wasn’t protected. Look, there’s a possibility that someone in any situation might be able to define a difference between two situations that you might not see. They might be wrong, but there could be at least a semblance of internal consistency, even if it’s flawed… If you think that this is the kind of situation that the free speechers would normally be defending but aren’t for partisan reasons, while simultaneously defending what you admit you would normally not specifically for partisan reasons, then you don’t even have the fig leaf of internal consistency and should hide your head in a sack. Continue reading →

Morning Ethics Warm-Up, 4/21/2018, Part 2: Wait, It’s Afternoon Already!

/ Jack Marshall / 42 Comments

Good afternoon!

Here are ethics items that have nothing to do with the Marjory Stoneman Douglas High School anti-Second Amendment  demogogues.

2. Unethical Lawsuit of the Year. Incredibly, the Democratic National Committee yesterday announced that it is suing the Trump campaign, the Russian government, and Wikileaks, accusing them of conspiring to disrupt the 2016 Presidential election.  Suits require facts. There are no facts to support this lawsuit, only speculation, rumors and propaganda. The legal analysts whose opinions I respect haven’t even acknowledged the suit yet, perhaps because they suspect, or know, that it is a cynical publicity ploy and merely laying the foundation for a Democratic Party fundraising blitz. (Using the civil courts for such purposes is unethical, of course.) The betting here (and elsewhere) is that the lawsuit will be dismissed in short order. It is grandstanding, and to my eye, pretty desperate grandstanding.  Such a lawsuit would open the Democrats, their allies and the Clinton campaign to all manner of intrusive and embarrassing discovery. My first reaction to the news was that this almost as stupid as Oscar Wilde’s criminal libel suit over being called “a Sodomite.”

Wikileaks had an amusing response:

“The Democrats are suing WikiLeaks and @JulianAssange for revealing how the DNC rigged the Democratic primaries. Help us counter-sue. We’ve never lost a publishing case and discovery is going to be amazing fun.”

3.  More future news! Ann Althouse flagged for us a future news (psychic news?) classic,  Morning Joe” Scarborough’s op-ed in the Washington Post, “It’s becoming clear that Trump won’t run in 2020”.

Althouse writes,

I’m reading the headline and laughing. It’s on the most-read list at The Washington Post. It’s what people want to read, and isn’t that what fake news is all about, giving the people what they want (and getting them to want what you want them to want)? “Allies are quietly admitting”… “Republicans are sensing”… and Joe Scarborough is picking up the message. It seems to me Trump has faced vicious opposition all along, and he keeps winning in spite of/because of it.

This isn’t really fake news, though. Psychic news or future news is a different unethical beast, and in this case, it’s just an abuse of punditry.  It becomes fake news when the headline “Trump won’t run for re-election, insiders say” starts turning up. What is especially ironic about this trend is that there has never been a President whose stated intentions have been so changeable and unreliable, and yet the very same journalists who complain about this are willing to run breathless stories about what some leaker claims he said was his intent. President trump can’t be counted upon to do this week what he said he would do last week, and the Post thinks it is worth publishing what Morning Joe’s sources say President Trump  plans on doing three years from now. Continue reading →

Closing The Book On An Ethics Villain

/ Jack Marshall / 21 Comments

Lance Armstrong is the worst sports ethics villain of all time, I believe—cycling’s Barry Bonds, but in a sport far more vulnerable to betrayal than baseball. Like Bonds, he cheated, many times and over a long period, taking victories away from more deserving athletes while enriching himself. While Bonds never had his public “I did not have sex with that woman” moment of brazen denial, Armstrong had many, all the while insulting and condemning his accusers. Bonds also never was a revered hero of children—Barry appeared to care about no one but Barry—while Armstrong deliberately made them part of his scam. When Armstrong’s elaborate schemes, lies and cover-ups were revealed, he made lifetime cynics of hundreds of thousands of young fans, and maybe more.

Armstrong, like Bonds, left his sport in disgrace but took with him great wealth, and, like Bonds, has never shown a smidgen of sincere regret or contrition—sociopaths are like that. Yesterday it was announced that Armstrong will pay $5 million to the federal government in settlement of a fraud lawsuit. The U.S. said that he owed $100 million to taxpayers for accepting sponsorship funds for his cycling team from the U.S. Postal Service while he was doping. Armstrong also agreed to pay $1.65 million to cover the legal costs of Floyd Landis, a former Armstrong teammate and the whistleblower in the case.

Eh, whatever. Lance can afford it. Despite various fines and settlements, he managed to escape his exposure with most of his ill-gotten gains safely salted away, spent or invested. Continue reading →

Morning Ethics Warm-Up, 4/18/2018: The Bad, The Beautiful, And The Stupid

/ Jack Marshall / 30 Comments

Good morning, everyone…

1. Tales of the King’s Pass. Fox News put out a statement saying that Sean Hannity had its “full support.” We can assume that means no punishment, no sanctions, not even any public regrets, despite the fact, and it is a fact, that the right-wing talk-show host-turned-Trump propagandist went on the air and defended Trump’s fixer, Michael Cohen, without mentioning the fact that Hannity was Cohen’s client. Thus Fox is announcing, in effect, that undisclosed conflicts of interest are just fine and dandy if your ratings are good enough. This also means that Fox News is admitting that it really doesn’t care about candor, honesty, and objectivity, since it will ignore blatant violations of all three if the profit is sufficient.

In fairness to Fox, Hannity’s blatant biases toward all things Trump are no more egregious than the open Obama bias displayed across the mainstream media’s full spectrum of journalists and pundits; it just stands out more because he has less company. However, this is a specific conflict of interest, with Hannity having undisclosed connections to a newsmaker that could reasonably affect his commentary. The closest parallel would be ABC’s George Stephanopoulos reporting on the Clinton Foundation’s dubious activities without telling viewers that he was a $75,000 donor. ABC didn’t discipline him, either, but at least he made a public apology on the air.

To make the King’s Pass case even stronger, after Politico reported this week that dinnertime news anchor Bret Baier played nine holes of golf with President Trump over the weekend, Fox News acknowledged that Baier was admonished by the president of the network.  I don’t agree with the reprimand at all. The opportunity to spend that kind of time with a President is invaluable, a rare opportunity to acquire insight and access over an extended period of time. The idea, I assume, is that it creates the illusion of chumminess. It’s a dumb illusion. If I were a journalist,  I would play golf with anyone if it allowed me to learn something. If I were president of a network, I’d reprimand a reporter for turning down such an opportunity.

2. The Virtue-Signaling Hall Of Fame. Starbucks is reacting to the PR nightmare arising out of the arrest of two black men for refusing to order anything while waiting for a companion in a Philadelphia Starbucks by a grand gesture: it will close all U.S. stores and corporate offices on the afternoon of May 29 for “employee racial bias training.” I suppose this is good crisis management, though cynical and non-substantive. It also permanently tars as a racist the Starbucks ex-manager, who says she was following a locale-specific company policy in an area that had experienced problems with loitering. Continue reading →

Morning Ethics Warm-Up, 4/17/2018: Blacklisting, Boycotts, And A Fox News Ethics Breach

/ Jack Marshall / 64 Comments

Good Morning, all.

1 The blacklisting of R. Lee Ermey. Ermey, the ex-Marine turned actor who gained fame playing a Marine drill sergeant in “Full Metal Jacket,” died this week. I had thought he might already be dead, since I hadn’t seen him show up in movies or TV shows for quite a while. No, it appears that he was blackballed by Hollywood after he criticized President Obama in 2010, while he was being hired with some regularity. Speaking at a Marine Corps Reserve’s Toys for Tots rally, he said it was difficult to raise money for the charity because “the economy sucks” and went on to blame the Obama Administration, saying,

“We should all rise up, and we should stop this administration from what they’re doing because they’re destroying this country. They’re driving us into bankruptcy so that they can impose socialism on us, and that’s exactly what they’re doing, and I’m sick and damn tired of it and I know you are too.”

Ermey’s agent and the sudden reduction in his offers persuaded the tough Marine to beg for forgiveness with an abject apology for daring to critique Obama so harshly. Never mind:  His contract as a GEICO character was terminated, and the company removed Ermey’s commercial from their official YouTube channel. He later told interviewers that he had been blacklisted by Hollywood, and that he never had major film offer after he criticized Obama.

Observations:

a) I wonder when fair, decent, ethical Americans who believe in freedom of thought and expression will become sufficiently alarmed about progressives and Democrats using blacklists and boycotts  to enforce ideological conformity. This increasingly totalitarian end of the political spectrum needs to be informed that its ethics alarms are seriously malfunctioning.

b) Actors identified with products and companies cannot complain when they lose those jobs after making divisive political comments. If Ermey wanted to do commercials for anyone other than the NRA, his comments about Obama were just plain stupid.

c) As an actor in films, however, Ermey played villains and parodies of military characters.  His political views in those contexts should have been irrelevant, and certainly wouldn’t harm receipts for movies he was in. If he really was blacklisted, it was an act of punishment for refusing to accept the Hollywood community’s lockstep worship of a weak and divisive President.

d) In contrast, recall this public rant from actor Robert DeNiro in January regarding the current President of the United States:

“This fucking idiot is the President. It’s The Emperor’s New Clothes – the guy is a fucking fool. The publication of the Pentagon Papers was a proud moment for American journalism. The Times and the Post challenged the government over critical First Amendment issues. And the press prevailed. Our government today, with the propping-up of our baby-in-chief – the jerkoff-in-chief I call him – has put the press under siege, trying to discredit it through outrageous attacks and lies.’

I don’t think Bobby has lost any roles over this. To be fair, if there is a place where The King’s Pass, aka “The Star Syndrome,” rules supreme, it’s Hollywood. A major star like DeNiro obviously has more leeway than a narrow-range character actor like Ermey, and Ermey had to know that. Still, the double standard is striking. Continue reading →

Ethics Observations On The Philly Starbucks Ethics Train Wreck

/ Jack Marshall / 74 Comments

The now viral Starbucks incident that took place in Philadelphia last week is a genuine ethics train wreck.

Two days after two men were arrested while waiting for their friend at a local Starbucks, the company has issued an apology.

Police were called to a Starbucks after two men, who were African Americans, refused to leave the coffee store after they were told that they needed to buy something in order to stay there.  The men were waiting to meet a companion to have a meeting. The store management then summoned the police.

The men now have an attorney, Lauren Wimmer, who says that her clients were waiting in the Starbucks  for less than 15 minutes. “These guys were doing what people do every day, they were having a meeting and they were undoubtedly singled out because of their race, ” she says.

The company tweeted the apology yesterday:

Ethics Observations: Continue reading →

Saturday Evening Ethics Update, 4/14/2018: Important Women Die Too, Fundraising Insanity, And Campus Segregation Is “In” Again

/ Jack Marshall / 8 Comments

Good evening, everyone!

(This morning was completely unmanageable…)

1. This day in history..April 14 belongs with December 7, November 22 and September 11 as the four evil dates in American history, for Abraham Lincoln was assassinated on this day in 1865, yanking the course of events into a new riverbed. Who knows where we might be today if Booth had been foiled?

2. Oh, yeah, them…The New York Times is suddenly including more obituaries of women in its pages, the result of a ridiculously late realization last month that the paper’s  stories of death warranting special note had been overwhelmingly male from the paper’s birth. In March, the paper confessed,

Since 1851, The New York Times has published thousands of obituaries: of heads of state, opera singers, the inventor of Stove Top stuffing and the namer of the Slinky. The vast majority chronicled the lives of men, mostly white ones.

Charlotte Brontë wrote “Jane Eyre”; Emily Warren Roebling oversaw construction of the Brooklyn Bridge when her husband fell ill; Madhubala transfixed Bollywood; Ida B. Wells campaigned against lynching. Yet all of their deaths went unremarked in our pages, until now.

It is a welcome reform. The Times is also looking back over history to remedy the past bias and injustice, launching a special project to publish, a bit late, many of those obituaries that it had failed to write when remarkable women died. You can find the latest additions here.

3. What’s going on here? Wall Street billionaire Stephen A. Schwarzman agreed to give $25 million to the Abington, Pennsylvania high school he attended  in the 1960s. The money would finance  a massive upgrade in the facility. The school, in return, agreed to name the school in his honor, hang a portrait of him in the building, honor his twin brothers elsewhere in the school, and give him the right to review the project’s contractors and approve a new school logo.

Then the deal was announced. Local residents appeared at a standing-room-only, five-hour school board meeting last week to protest.  There was an online petition (naturally), and calls for school officials to resign.  And what was it about the quid pro quo that the people objected to? The quote from Robert Durham, who works at the local Chevrolet dealership and sent two sons through Abington Senior High School is explanatory as any:

“I just think there’s too much influence about big money, Wall Street money, in our society,” he told reporters.

Oh. Continue reading →

Morning Ethics Warm-Up, April 9, 2018: Experiment Results, Flowering Trees From Hell, And Ominous Signs From The Left..

/ Jack Marshall / 35 Comments

Good morning…

…Mrs. Calabash, wherever you are…

1. Apologies for a lost Sunday. I was never able to get back to my computer yesterday. The combination of my responsibilities to the Georgetown Gilbert & Sullivan Society as it celebrated its 46th year of operation against daunting odds, some pressing client matters and important family matters just overwhelmed my schedule, plus I was wiped out by the early evening. Of course, based on the blog’s traffic this month and the continuing ethics rot, I console my self in the message of the most famous song from “Ruddigore,” GG&SS’s student production for the anniversary…especially the final line…

“This particularly rapid unintelligible patter isn’t generally heard, and if it is, it doesn’t matter.”

Ethics commentary in a nutshell.

2. However: The regulars came through in a pinch. The free swim produced at least four  Comment of the Day quality posts, including a history of the Gettysburg address. Thanks everybody. The experiment was a ringing success, and I will have more open forums in the future.

3.  This kind of thing is why I have a hard time taking environmentalist doom-saying seriously. We planted Bradford Pear trees, which are now blooming beautifully as is their wont, in front of our house almost 20 years ago. They have their downsides, to be sure, and you have to trim them back or they are likely to split or fall over. However, here is an environmentalist claiming that they are trees from hell, and who writes in part: Continue reading →