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FAQ

I'm 22 years old, with zero debt, what advice could you give me on the role of leverage in wealth building?
Leverage is the key.Leverage is doing more with less.Leverage is the advantage the wealthy have over the middle class.You can decide to work a 9–6 corporate job your whole life at the mercy of your employer’s decisions, slowly save for your retirement and for your kid’s college. It can be comfortable, but by doing what average people do, you can only expect to build an average amount of wealth and work for the rest of your life.If you want to build massive wealth, you must use leverage. As an employee, you are your employer’s leverage. You must look for opportunities where you can leverage:Other people’s time (“OPT” -employees, consultants, freelancers). The only way to effectively leverage OPT is to create/document a process and strategically delegate responsibilities to people that are more skilled or cost less. You need to do everything once, document it and never do low value tasks again. You should leverage your legal tasks to an experienced attorney, accounting to a reputable CPA, insurance to an insurance agent and administrative tasks to an assistant. Your time is extremely valuable, so don’t spend it doing something you could pay someone much less to do. Successful people surround themselves with people who are smarter than them.Other people’s money (“OPM” - investor capital, bank financing, seller financing..). Whether you are trying to acquire or grow a business, leveraging OPM is key to wealth. An average person saves cash in a bank account and puts money in a 401k. They have zero good leverage, only bad debt such as credit cards, a mortgage on their home, student and car loans. None of these build wealth, they do the opposite. Wealthy people use OPM to grow their wealth because they know their money can only go so far. Without leverage you are limited to how much you can individually save and it can take forever. $100 is only $100. However, if you use that $100 as a down payment on equipment or real estate, you can leverage $400 of bank money to acquire much more. The next step is leveraging $90 of the $100 with investor money and repeating this process. This is true leverage and gives you the opportunity to generate significantly higher returns and build wealth faster. Remember every dollar you own is your employee, so make sure they’re working for you!Other forms of leverage are technology, your network, etc.Find a way to add value, solve a problem or build something and then use leverage to scale and grow your wealth.
Should the post office be privatized?
It probably needs to be wound down, but I wouldn't do away with it as a public service. It's good to remember that government departments aren't supposed to "run like a business" and "make money". The military certainly doesn't, but they obviously provide a valuable public service.The first step would be for the USPS to privatize its bulk mail service. Bulk mail is junk mail, and providing this service at a discount to mass-mailers is an effective subsidy to the advertising, recycling, lumber, paper, and trash industries. It's also huge fucking waste of trees, so let's get rid of it. If Charter wants to keep bombarding us with their stupid "Charter Bundle" offers, then they can pay a market price to DHL and FedEx or buy more TV ads, and if DHL can do it cheaper than the USPS, then good for them. Eliminating the massive volume of junk mail will do a service to the planet and free up resources for those who actually need it.Once that's done, the Postal Service can be shrunk significantly. All it's really needed for is residential and legitimate business service. Proceeds from the sale of unneeded assets should be used to help fund job-transition programs for laid-off postal workers, some of whom will also end up moving to the newly privatized bulk mail industry.Finally, I'd rescind their monopoly on actual delivery, though I'd keep the ban on competitors establishing their own infrastructure (residential mailboxes). The shrunken USPS will be repositioned as an affordable mail service provided by the government,  and acknowledged as likely to run at a loss to the taxpayers - as an acceptable price for maintaining a last resort  of our communications infrastructure. If the competition can do it cheaper, then fine, but the Post Office will remain as a backstop in case the rest of the industry fails at some point in the future.
In the United States, how is Donald Trump going to maintain universal health care coverage while repealing the Affordable Care Act?
Trump’s going to use John Kerry’s 2004 plan for healthcare expansion to provide what is, essentially, a better and cheaper form of Obamacare that provides more government subsidies.The plan — it hasn’t been revealed yet but I’m confident this is the idea — is to expand the Federal Employee Health Benefits Program to all workers, even those not covered by the government.Tom Price (HHS secretary) and Mick Mulvaney (OPM director) have supported this plan before with both of them co-sponsoring a bill in 2013 to repeal Obamacare and expand FEHB. Trump endorsed this plan in his 2000 run for President. All of these factors — plus the need to repeal Obamacare in name while not fucking with medical coverage — mean I seriously doubt we’ll see a Paul Ryan-esque plan for all-private medical coverage. No one wants that.The current program offers:Group-rated premiums and benefits;A Government contribution toward the cost of your plan; [usually around 75% of the total plan]Your choice of plans and options;Annual enrollment opportunities (called open season); [this means you can’t get sick and apply for insurance — you can only do that within open season]Guaranteed coverage that your plan can’t cancel;No waiting periods, medical examinations or restrictions because of age or physical condition; [cannot be denied for pre-existing condition]Catastrophic protection against unusually large medical bills;Salary deduction for premiums; [pre-tax, so your FICA and income tax bills go down]Temporary continuation of FEHB coverage or conversion to an individual contract after your enrollment or a family member’s coverage ends;Continued group coverage into retirement or while you are receiving Workers’ Compensation;Continued group coverage for your family after you die.It’s Obamacare but even more socialized and without an individual mandate (open enrollment plans cover the “death spiral”). I’m no health policy wonk but it sounds pretty solid.
How can I get a leave form for my fiance in the US Army?
A DA-31 can only be filled out and submitted by the person asking for leave. Also, a fiance is treated no different than an acquaintance unless and until you are married.Many questions like this are asked to make someone feel better about wiring money to a "US Servicemember" who asked for money.I've been in the military for over 23 years. I've never heard of another real servicemember who has asked random people on the internet for money, and certainly not for any legitimate reason.The reason? We're trained per Federal Regulations that Govern Gifts to Service Members, “DoD personnel may not solicit gifts, even for others, unless the solicitation is part of an official fundraising program, such as the Combined Federal Campaign.”Here's how you know that someone posing as a servicemember is scamming you:You've never physically met him or her, and,They ask for money or gift cardsHere are my tips regarding anyone you've never physically met:If you're speaking to someone in another country or other place far away by email or phone and have never physically met them, I recommend you don't even refer to them as someone you truly know, and you definitely shouldn't call them your love interest/girlfriend/boyfriend/fiancé.Remember that anyone with access to email and who needs money can use that same email to contact real family and friends they actually know and have met in person.Regarding servicemembers:Unless you're personally traveling to meet a servicemember, you won't need to pay for anything the servicemember needs or does. And I do mean anything. They can be thrown in jail by the military and you still won't need to pay anything.The military branches have relief funds to help young, poor military members who need baby supplies, travel for emergencies, provide phone cards, fix their cars, etc. If they have a close family member die when on deployment, even malingerers get personal help from the command to take care of what they need.Given the prevalence of military email scams, it's a 99.99% chance that anyone emailing you claiming to be a servicemember and asking for money isn't in the military at all.
Have you been less talkative and achieved great things? I have always been told that people who talk less underachieve in life?
Sure.Here is a story of Jack. He was a loud guy in high school, the “cool guy” and the one everyone wanted to be. He was a talker.I was not.I was the one who was awkward, who had a bowl cut and buckteeth. I was definitely the less talkative one.Jack goes on to college at the direction of his parents, being the popular guy there too.I finish high school early, do a few college classes, drop out and start my own company while working a full time job.I ran into him a number of years later when he had finished college and just had his 2 year work anniversary for an “ok” company, working 9–5, making a salary with a small commission. He was kind of bored.He asked me how I was doing and I told him, “Doing well. Enjoying my life, running a business and all good.”I told him I would be willing to help him out if he ever needs anything and we went out separate ways.I didn’t get into the details as I didn’t want to make him feel bad. Didn’t need to tell him that I was running multiple companies doing millions of dollars a year, donate a lot to charity and helping other people, have my dream home, dream wife and fly around the work helping other business owners and executives do the same.As far as the answer to the question, I believe there is huge value in someone who listens. A person who is good at listening will have deeper relationships with people around them, will usually be a better salesman and will find opportunities popping up all around them as they are LISTENING for them rather than just talking talking talking.Yes, I do talk a lot more today (as I do it from stage all over the world) but I’m doing that to benefit the lives of other people at this point.
Do military members have to pay any fee for leave or fiancee forms?
No, not only NO but HELL no!!!!! There are no fees for any paperwork needed in the service. I have 30 days of leave a year. If I want to take some, I request it from my supervisor by email. He approves and then kicks it up the line so it’s taken care of administratively. I get back the ID I need and I’m off. Not one dollar changed hands. If I’m deployed it can be a little trickier but the process is basically the same. There are no fees for any paperworkFYI. A fiancee has no standing in the service.There is a widespread scam perpetrated by people in West Africa, primarily in Ghana and Nigeria. They meet women on dating websites like Hangouts, texting because he is in a “dangerous place” doing “secret missions” and so can’t call or Skype either because of secrecy or the expense, since he has “no access to funds while he is deployed”. He may tell you he has a child in the US and his wife is dead or has run off with another man…his mother or father needs an operation, he needs to pay to get out of Nigeria, out of the service and come and join you…..the stories are endless but the results are always the same. You send money, gift cards, iPhones and many other things. If he hasn’t yet he will tell you soon that he has fallen in love with you, wants to come to be with you but the money situation is preventing that, so if you’ll help him he can pay you back when he sees you. He may send you pictures downloaded from Facebook or other places.In doing so you may have given him various pieces that when put together give him access to your bank account and the ability to open charge accounts to get more things which he can sell in the marketplace or on the Nigerian version of Craig’s list. I know this because I have been telling people about it on Quora for some time and someone in my family experienced it directly.Here are a couple of quick tests you can do.Ask him to send you on his military email account a list of what he needs from you…it probably won’t happen,(“security”), but if it does the email address should end with @ mail.mil . This goes through secure servers so no security problems. Everybody in the military has one, some use it everyday. Won’t do it? Doesn’t have one [his unit is so top secret they can’t use that]? Scammer.Ask for his APO address( you have some phone cards, cookies etc you want to send) Here’s what an APO address should look like.Name: PFC Jack Lyon Address 1: 23rd Battalion Address 2: Unit 1234, Box 56789 Country: United States City: APO State: AP Zip/Postal Code: 96522-1215 no APO address? “security” again? He’s not real.Here are some websites that will give you more information:Can You Spot the Scammer?Army investigators warn public about romance scamsOnline romance scamsWhen an Online Boyfriend Is a Scam ArtistSgt. Bobby Martins - US ARMY in IRAQDo you pay for a next of kin form in the US military and stamps?and here is what another woman said about her experience:“...even took selfies & sent to me as well as called me. However, the 1st time he asked for a mere $50 iTune card was a red flag. Then after messaging for 3 days, a declaration of love. That really sent up the flag. Once I got it across to him that I wasn’t sending $700 so he could come home to be with me, $100 Amazon cards or an iphone to him, he quickly blocked me on Hangouts. BTW he said Hangouts was more private & less cost. You bet it is…that way you can’t see all the other people he’s trying to con money from. “So you’re dealing with a scammer, here’s what I would do. Don’t text him and curse him out. Some of them get a perverse pleasure out of your pain. Just block him and check with your bank to make sure no foreign withdrawals can be made without your approval or have already been made.Better a broken heart than a broken heart and an empty bank account. What you want, [ romance etc] will never happen. Your heart’s in the right place just with the wrong “man”.
What is the worst breach of security in US government history?
There have been a lot, the massive (340+ agents) Soviet spy cells in FDR’s administration meant not only were atomic bomb-making methods, B-29 bomber plans, radar, and thousands of top secret patent filings went to the Soviet Union as soon as they were worked out as.The biggest and the one with even more years of probable results was Chinese Intelligence’s hacking just a few years ago to gain the Federal Office of Personnel Management’s files on 32 million Americans, perhaps 20% of households (data breaches are always stated as individuals as though every one lives alone permanently and without family, kids, parents, etc. so the Equifax breach for example wasn’t a third of the population but ALL households in America.) The inexcusably slipshod security at OPM for which they’d been alerted, warned, and instructed to fix for many years (and apparently poorly run on most metrics) not only included old application forms for everyone who had ever worked for any branch of the federal government but also for contractors (IT experts, advanced research labs, defense technologies, repair technicians, scientists, military aerospace experts, etc. who often have or develop more critical information than the agency staff’s so a bigger deal than thought…Edward Snowden was a contractor, so was Blackwater.)OPM also had in these same breached and copied files the paperwork many federal employees fill out listing everything someone could blackmail them with!!! So for a national intelligence agency (heck an organized crime gang or simple team of blackmailers could use this) they can apply all sorts of pressure to any current or past employee with this knowledge of who they are, who their family members are (entire extended family, those people and more get interviewed and checked in a security clearance so there’s full contact information as well), and all sorts of leverage.The breach being all 32 million, not just some, allows trying everyone within an office to find someone vulnerable (think about where you work and who would be easy to terrify, seduce, buy, confuse, fool, convert, etc.).The news media coverage pretended it might just be a rogue teenager in a basement hacking into OPM. The Director of National Intelligence at the time, who’d previously headed both the CIA and NSA, Michael Hayden is now retired and identifies it was China’s national intelligence agency (they have at least 400 full-time hackers in their own buildings) in his post-retirement speeches as the breach deeply concerns him (and any reasonable person although the media quickly moved on to more trivial breaches like Sony movie scripts, celebrity nude photos on their smart phones’ cloud storage, etc.That’s already happened to a lesser degree after North Korean intelligence’s hacking of Sony’s data in retaliation for the Seth Rogen-James Franco movie about killing NK’s dictator. In subsequent months Sony employees in California started getting anonymous threatening calls that clearly drew on the data in their personnel files, like “I know your son Cody is just walking out of East Covina Elementary School right now, so we could grab him right now…”
What do people from other countries think of the Philippines/Filipinos, honestly and as unbiased as possible?
I'm writing this as an American that lives and owns/runs a business here in the Philippines for the past 3+ years.  There are others with much more experience here than I, but I'm hoping I can provide some insight for Filipinos and foreigners alike on my experiences.It would probably be easier to not be critical...but there are some flaws I'd like to point out from my perspective.  I could point out flaws in the US or other countries as well, so it's not a knock on the Philippines in particular.I'll also note that there are 90M+ people living in the country.  I'm going to make some generalizations that obviously can't apply to everyone with a group that large. :-)The Good:Amazingly Friendly - Filipinos are generally and wonderfully welcoming and friendly to each other and to foreigners.Adaptable - It's hard to explain, but I've seen agents pick up Australian accents in call centers like you wouldn't believe and others that can adjust their style/method to yours as a customer/employer amazingly well.  Something to do with empathy, perhaps?Fun Loving - I don't really like the "It's more fun in the Philippines" slogan, but I know where they got it from.  You get a group or family of Filipinos together and you'll have a BLAST...they love to party it up, enjoy company, etc.The Bad:Avoiding Confrontation - There are some social benefits that come with this too, but as an employer...hearing a "Yes Sir" when the question isn't fully understood to avoid awkwardness can cause some problems.Crab Mentality - Clawing others down that are trying to improve or move beyond their birthright seems to be way more common than it should.  I think it's the Western individualist mentality in me that cringes when I see this happening.Lack Of Pride - Someone else mentioned Filipinos as being full of pride and I thought that was odd.  Pride in Manny and other famous Filipinos is popular, but accepting that politicians are corrupt and there's not much you can do about it is common.  Another low-level example of this is tolerating peeing on the streets.  (In public, during daylight, etc.)  What is this?The Ugly:Brain Drain - Some of the best/brightest end up in places like Saudi Arabia as nurses or Hong Kong as maids (or worse).  They leave so that they can send $$ back home to help families, but you end up seeing some of your smart youth being exported.  This is supported/taxed by the government.Poverty Kills Innovation - I don't know how to fix this...hopefully time will help...but there are super-sharp people working in low-level jobs because they pay.  It's hard to have great scientists and (especially) artists when you aspire to be a call center agent or a maid overseas to help the family.  My company isn't helping here, I'm aware of that...it's something that I do think about and struggle with a bit.Objectively Bad Food - I used to think that maybe it was a palate thing or just a cultural difference, but expats (from the West, Asia, etc.) all tend to agree that the food is decent at best, horrible at worst.  There are dishes I like, but it's mostly bad.  (And why you don't see many Filipino restaurants worldwide, maybe?)
What is your honest opinion about the Philippines and Filipino people?
I am a Born and Raised Filipino, And I can state to you all what’s good and bad about this country…THE GOOD:The Lifestyle in here is affordable, If you’re looking forward to have an affordable Education, Home, Vehicles, Foods, Supplies. Everything in this country is affordable.SOME of the people in this country are nice. If you talk to a Filipino, they’ll usually be helpful and polite to you in anyways.Tourist Destinations, The view is amazing I have to admit that and what makes it more enjoyable is that it’s cheap. And also Nature itself is nice in here especially if you’re looking for some peace and quiet.The FOOD in here is nice, Halo-Halo, Adobo, etc. It’s really good to say the least. Like at least try it, especially Jollibee, one of the best filipino fast food that I can name.The Language, Filipino language is one of the language that is used in the Philippines so that the citizens here can communicate freely in our own dialect. Which is nice at least we have our own language.Culture, Festivals and Musics we have it here. We also enjoy our own festivals in different provinces that is present in this country. We have our own music as well OPM which is presented through our own language.THE BAD:RELIGION, it’s so Dominant in our country. Every corner there’s a church here and there. One of the reasons why it’s bad is because it’s really dominant in here. Education, Religion is there. In Politics, Religion is also involved with the decisions. One of the prime examples that I can give is - Contraceptives, D.O.H proposed a plan by giving condoms to every students in school and offer sex education. But unfortunately the plan was abolished because Religious Leaders think that it encourages Pre-Marital Sex and Discourages Life, specifically babies.POPULATION. The city is over-populated, There are some provinces in this country that has less than 100,000 people residing while the city is populated by more than a Million. It’s not great because Poverty and Traffic is the effect of Over-Population. Unwanted pregnancies also occur in this country since contraceptives and abortion is highly discouraged in this country. So therefore some families are forced to deal with their situations. Some people have to adjust with the lifestyle in this country.Undeveloped Cities, Manila and other big cities are developed. But other provinces in the Philippines, are Undeveloped because of low population and undeveloped jobs in a certain area.ARTS - ever wondered why the Film, Music, Visual Arts, Graphic Design, Photography, etc. Industry in this country is dying. Because the mindset is that if you pursue that you don’t have a place or worth here in this country. The budget for the Creative Industry in the country is not Reasonable, so therefore the culture for arts in the Philippines is non-existent.POLITICS. They’re Corrupt. Criminals, Thieves, Rapists, Etc. Runs the Office of the Philippines. So in conclusion, It’s BAD.FILIPINO TRAITS. [A sub list]If a Filipino loses a fight against internationals in sports. They’ll be salty about it and claim “They Cheated” and also ways to tarnish the countries reputation. Aka “Competitively Salty”Uses English as “Intelligence”C O L O N I A L M E N T A L I T YCRAB MENTALITY - If you succeed as I say, they will tarnish or find ways to destroy your life.“Filipino Time” - this is the worst, I go to events early and on time while some people would adjust to wait for 2 or more hours of given time.Disobedience - Basic Etiquette’s in any places or forms are not followed. Elevator, Escalators, Lines, Recycling and everything. Filipinos don’t follow basic etiquette’s.D I S C R I M I N A T I O N - whatever community you belong to, It’s very common in this country as well. If you’re part of the LGBT Community, you’ll be labelled as - sinner, f**, useless, disgrace, HIV, etc. If you have Mental Disabilities, they’ll claim you as Attention Seeker or even if you have Autism or Down Syndrome they’ll imitate your movement and mock you about it.RAPE - in this country “men” would find ways to rape a girl and if accused the typical reasoning, “oh she wore this” “oh but i was drunk” well in this country. We are religious but ironically deep down there are rapists everywhere even if you’re a priest or maybe a teacher. Anywhere this country is not safe, even the President makes fun of those stuffs. Oh and it’s no excuse even Women are capable of doing this kind of stuffs.AGE - If you’re young and knows what’s right, Good for you. But in this country ONLY THE ADULTS knows whats right. If you bother explaining them a statement they’re wrong. Prepare yourself for being labelled as - Disrespectful and Rude. No matter what, don’t even bother. Because freedom of speech is not present if you’re young.COMPARING Children’s. In this country if your neighbors kid does better than you. You’re family will put a label on you as being bad and them being better. They think its a way of improving the kid and the bias of being the “worst” and them as the “best”. It’s a common trait in this country.Smart-Shaming, If you’re smart. People will still bring you down, and if you’re not smart they’ll still shame you for it. See the reason why the country is also not succeeding in Education is because of this trait.THE KIDS, Some families would let their kids go and let them have their life. In the Philippines, KIDS = RETIREMENT PLAN. Yes, they will do anything to educate you and give you love and everything. But in reality you’re just their Retirement Plan. Ever wondered why Poverty is common for Old People, There’s your answer. Instead of investing for your own future, they invest on the kid as their retirement plan. Which is also why over population is common here because of this mindset. And I pity those kids who have a family that has this mindset.TRAFFIC, Damn. If you think LA Traffic is bad. In the Philippines, It’ll take 2 hours for a 5km. journey from school to house. Traffic in here is a daily hassle.EDUCATION SYSTEM - It’s really bad, that’s all I can say.THE TECH INDUSTRY is outdated and undeveloped. Especially WiFi, Internet Service Providers would set unreasonable prices for a fast internet.That’s all I can say for now, but if you ever reconsider living in the Philippines, prepare yourself with the following. I know I’m more of the Negativity in it, but what else is the good here. Go search Reasons why the Philippines is the Best and it’ll typically show. The “Good” People, The Views, The Beach, Volcanoes, Rice Terraces, Chocolate Hill, and Other stuffs a tourist would enjoy. So think about that…“ IT’S MORE FUN IN THE PHILIPPINES 3”