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Compesh is a question and answer (and debate) website, so before you make a debate, you better learn what an assertion is. I suppose you already know what a question is, and that you've typed it in the box. ;)
An assertion, is basically a statement you can make, that is either true or false.
Richer people have better health.
The question for that would be, Do richer people have better health?
And don't forget to make your assertion, match your question.
2012 answer
There are 3 types of Google Penalties (that I know of)Backlink Penalty
If Google thinks you have paid backlinks (which is not allowed), your rank in Google will drastically drop until you remove those links. I got my website penalised by making its first ever backlinks be the footer of a static website, so be careful.
Panda Penalty
If your website isn't deemed by Google to be a quality website, your rank in Google will drastically drop until you improve the quality of your website.
Google Slap
If you are advertising a Made-For-Google website in AdWords that Google doesn't like, the prices will abnormally increase by 4x or 10x.