Pre Incident Plan Form

Payoff.com is a social finance platform enabling communities to fulfill their individual and collective dreams. We launched public beta in January 2011 and have collected 1,000+ dreams, of which over 90% are related to money. Payoff helps people fund their dreams and signNow their goals, like saving for a house or vacation, adopting a child, paying off credit cards, and starting a business, in addition to connecting them with other people working towards the same things. The current product enables users to share their dreams, set up goals, link and track financial accounts, earn badges, and receive cash Sur-Prizes for progress. We provide tools from top-quality partners, as well as educational content to help move users to action and success. Ultimately, we provide a more intuitive way for users to understand how they are spending their life -- it’s not about the dollars, but it’s about the positive use of money, time, talent, and charity. We aim to own dreams and achievement on the web.  Payoff will create meaningful social connections and dialogue through dreams, goals, implicit communities based on personal transactions (the “real-life check-in”), and our partners.  In addition, our relevance and recommendation engine is guided by a Science Advisory Board, with leaders from Cal-Tech, USC, and Northwestern. We recognize that achievement and financial behavior, like most decisions, is driven by emotions, not budgets and lists, and we are signNowing people in this emotional space. One user told us, “I feel more encouragement from these badges than I think you will ever know.  I'm not the most emotional person but I have been so poor for most of my adult life trying to get through school that the day  [the] "STASH" badge was awarded to me I cried!” Payoff is founded by Scott Saunders (Walz Group, Inc 500) and Eden Warner (pre-revenue to profitability CFO at Fandango), along with folks from Yahoo! and SpotRunner. You can view a video about us at and contact us at scott@payoff.com. Also, check out what folks are saying: AOL WalletPop: http://www.walletpop.com/2011/01...Business Insider: http://www.businessinsider.com/p...U.S. News Money: http://money.usnews.com/money/bl...

Something's that everyone must know are:—How To Swim.According to a recent research, about 80 people in India alone die everyday due to drowning.So we must know how to swim so that whenever the situation arises we can save our and the lives of others.Plus swimming is a great exercise as well as it involves the use of nearly every muscle in our body and is a very fun activity as well.Self Defence.Not only for girls, self defence is an art that both genders must know, not only to fight or protect ourselves from potential molesters or rapists but also fight off robbers, thief's and other potential threats.It also helps when fighting off a bully.How to use pepper spray.This point is mostly covered in the above points only, but many people don't carry pepper spray in the first place.Even if they do, they do not know how to use it. We should always take care of the wind direction and the direction of the nozzle before spraying.How to cook.Even if you are not a MasterChef not you plan to appear on those MasterChef reality shows, you must know how to cook basic meals and not something very hi-fi. Cooking is not a job, it's a necessity for both the genders.How to solve minor problems of your car.Like changing the tyres or fixing that battery problem. We all must know these small things so that whenever in trouble, we do not have to wait for the help to arrive, instead we can solve it on our own.How to kiss perfectly.Now I focus a lot on this point and always say “ A good kiss is the first step on that intimacy ladder you're trying to climb”.A good kiss is definitely going to award you some extra points and lips are on of the most erogenous zones in both Men and Women.Table Etiquette.When eating out, we must know how to position our cutlerie.The position of your spoon, forks and butter knifes speak it all for the waiter.Your TV remote or your mobile phone probably contains much more bacteria than your toilet seat.Think about it for a minute. We wash our toilets nearly everyday. We use special soaps and other accessories. But do we ever clean our phones. It goes out, is touched by many people, gets in contact of many germs and never gets cleaned.OrGerms in the belly button.Our belly button contains hell a lot of viruses germs and bacteria and about 1800 different species of them.Most of them are unique and scientists don't even know about most of them.Ohk. So now some facts/things everyone should know are:—The meaning behind Logo of Famous Companies.How to Drive a Vehicle.We all should know how to drive a vehicle even if we don't own one.You never know when can this come into play.Reality Shows are anything but reality.All of them are scripted wether it is Big Boss or Roadies or Splitsvilla, nothing is real.The fights, the abuses are all pre-planned only to increase the TRP and most of the tragic stories aren't true at all.How to converse in our regional and our National Language.Being an Indian, I think everyone should definitely know how to converse in Hindi.We should also be able to talk in our regional language and feel proud of it.How to Bargain.Well we need not take any classes for learning this art. Go on shopping with your mom for sometime and you will be a expert in this field.How to perform CPR and Basic First Aid.First aid can be very helpful for many people if not life saver. Sometimes it can be the difference between life and death and everyone should have some experience or other in it.Online Sites very often make a fool of us.In different sites they life different MRP of the product and in reality the MRP of the product is completely different.They increase the price of the product and then provide us discount on that. So you may be getting fooled by all these.Beware.You should know how to format your windows and install a new one.This is a very good thing to know and most of the computer science graduated don't know this.How to write a diary and a letter.Everyone should know the basic format of writing a letter and how to write and maintain a diary. Its an extremely useful thing.How to book tickets online from IRCTC.Knowing how to book online tickets will help us saving our times by not standing in those long queues outside the reservation counter and will also help us save the money we give to the ticket booking agents.Basic Banking Stuffs.Like writing and cashing in a cheque, filling of the deposit slip and using the NEFT Form are a few to name.How to Play a Sport.Knowledge of a sport is a great thing as it can help you strike a conversation with somebody.Mostly in India it's cricket, but the popularity of sports like Kabaddi is also on rise along with Football, Hockey and Badminton to name a few.How to eat her/him.The art of oral sex is a blessing to have and a must have in any Relationship to make it last long.Thats it guys for now. Tired of writing this.Have a great day ahead.Pic Credits- Google Images.

Keep working on improving your lax gameMake a highlight videoGet coaches (or assistant coaches) email and send him a summary of your career along with grades and include linkRepeat #1 and #2 and #3 every year (Freshman, Sophomore, Junior)Find out which camps and tournaments the MIT coach will be at and go to thoseMore tips available at LaxGoalieRat.com

Let me try and give you an unbiased view (Hence in this post I will refrain from mentioning the platform that we have developed)Online, online, online - Yes, the world has indeed moved online. Even financial transactions have moved online. Investing in Mutual Funds is not a difficult task even if you choose to invest online.What are the steps? Well, I will list them one by one.#1 Search out a list of online platformsA basic internet search will yield you a number of platforms. Type in some basic keywords, you will get a list of platforms like fundsindia, scripbox etc. which are specialists in the field of MFs. You can also invest through the website of the Mutual Fund too if you so desire. However, this will allow you to invest only in the schemes of the fund house and not more.Hence it makes sense to invest in a platform offering multiple Mutual Funds.#2 Regular Vs DirectFrankly, though many sites differences in cost and the brokerage paid to distributor eating up your returns. If one does a full-fledged calculation on the cost of the direct plan because provider charge fees over and above this, you will soon realise that there is no real difference between direct & regular in terms of long-term returns.Choose a platform that suits your needs and you are comfortable with their offering & service levels.Remember, in life, there are no free lunches.#3 Complete your KYCIf not already done, you can complete the KYC via aadhaar. With the One-time-password (OTP) you can invest through MFs to INR 50k per year per Mutual Fund Company.Incase you are keen to have no limits, then you need to do a full KYC. You will need to complete some paper-work to do this.#4 Complete your registration with the chosen platformYou will need to complete all your details since these will be used every time for processing.#5 Choose the MF schemes you want to invest in given your risk-taking ability.Do your research around the schemes to invest, most online platforms will give you information on slicing and dicing the performance of the fund. Look at the track record, the performance over the years, ratings (if available), also look at how the rating is calculated, look at some other platforms also and see how the fund fares there.This will help you in choosing the fund#6 Select and investOnce you choose the schemes, make the payment. Most platforms in the online space use net-banking or NEFT/RTGS to make the payment.Incase of a SIP, you may need to add the biller to your net-banking to facilitate the future transactions. If not adding a biller, you may need to sign a one-time mandate (paper-based).#7 Login to your account once a month and view performance!Monitor your progress regularly to see you are in the good funds!Best of Luck!Disclaimer: The writer is the CEO and Co-Founder- Fincash.com, the views expressed here are personal in nature. Mutual Fund investments are subject to market risk. Please read the offer document carefully before investing.

I raised $500,000 at 19. I was on my way to change the world. Three years later everything burned down.This post is not about how to shoot for the stars or run a company. Others are better at that.This is about what not to do.I’ve made every mistake possible. But ironically, I’m constantly meeting teams doing the exact same things that caused my first startup to implode. Everything I’m writing about I’ve experienced first hand through my own startups as well as various businesses I’ve been involved in. It’s been all my fault and this is my story.Some of you will disagree with me. Others will have things to add. I’m happy to discuss in the comments.Here’s my attempt.ZUCKERBERG SYNDROMMy girlfriend didn’t know what I was working on for nine months. I slept with a chair blocking the front door. My phone was tapped. Corporate America and Uncle Sam were listening. Someone was going to kill me to steal the idea.I really believed this. So I did everything possible (literally) to avoid getting feedback out of the fear of having our idea stolen.Ultimately, secrecy and stupidity killed us. Three years and hundreds of thousands later, we released an alpha version to a modest 30 people for the first time. Everyone hated it. Our capital was gone. Our morale: zero.I see this all the time. Startup founders hiding their ideas because of the fear that someone will steal it. Remember: no one cares about you. Your biggest issue is getting discovered. If someone steals your idea, that means you’re doing something right.Because of this syndrome, most startups are wasting their time and money building products no one wants. Why? Lack of testing. The biggest mistake a company can make (product wise) is to avoid talking to and testing with potential and current users. Every day. It’s also one of the main reasons startup’s fail.If you’re not constantly releasing and looking for feedback you’re either a) delusional (me) thinking too many people will sign up/buy your product and you won’t be able to scale b) scared that it’s not good enough (me) or c) someone will steal your idea (as I was).A. SCALING“Your priority, in short, is proving that people will use your product at all. If they won’t, then it won’t matter if you can’t scale. If they will, then you will figure out a way to scale. I’ve never seen a startup die because it couldn’t scale fast enough. I’ve seen hundreds of startups die because people refused to embrace their product.” — Guy Kawasaki [Emphasis mine]I’ve done this and I’ve experienced this in the past three startups I’ve worked in. It’s completely delusional. If five out of five people tell you that they wouldn’t use your product (before you build), quit. If eight out of ten people tell you that they hate this feature and you empirically see that they’re not using it, kill it. Don’t assume. Always be testing.More on feedback below.b. TESTINGSee point A.C. STEALING(!)No one will steal your idea. It takes time, money, skills and immorality to steal. Not everyone is born that lucky.Most importantly, no one cares about your idea.They’ll only start caring when there’s a massive amount of initial traction (50,000+ users). By then, you’ve already established a strong user/customer base and it’s too late for the others.HIRING FOR WEAKNESSOnly hire for a strength that needs to be filled in your company. Never for a weakness.Not once did any of the startups I worked in hire for a strength. I repetitively recommended hiring people purely out of loneliness, fear and scarcity repetitively. Each time it sunk us deeper.But what does that mean?Hiring for a weakness means that you attempt to fill a weakness in the fundamenetals in your company by hiring for a weakness. Example: If you’re building a product and it’s not gaining traction and your company doesn’t have inherent fundamentals, hiring Ryan Holiday to sell your product won’t help. You can’t fight weakness with weakness.However, if you have a rockstar engineering team and you want to add a marketing person to help take the product get to another level, then you’re adding a strength.Hiring for weakness also means:a. You hire a B+ player instead of a A+ player.b. You hire people so that they go through the struggle with you, so that they share your fears and paranoia. Not so they execute on what’s needed.c. Hiring someone to fill a position. Not to compliment the rest of the company.d. Hiring someone and not having any idea of what the hell you want them to do.e. It means hiring someone because you think there’s no one else. Scarcity.f. Hiring a client’s friend. Because you’re scared.It’s ultimately about the fundamentals. If the fundamentals of the product and the team aren’t there, adding someone is just adding a weakness. It won’t help, because it’s not a strength.PAINTER’S DILEMMAApproving emails? One week treks. Our first wireframes? $40K and four months. Did we have a working product after all this? No. We failed.The Painter’s Dilemma is when you’re so deep in the details of your project that you don’t even know what the idea is anymore. You’re blind. When you’re too deep you need help.How to solve it? Stop. Talk to people. Get feedback. Iterate and build. Release. Breathe.Repeat the loop.The more feedback you get the healthier you and your product are.FEEDBACK*I can’t emphasize this enough. If you don’t get feedback (everyday) you will die. I never got feedback. EVER. Well, until the cash ran out. Oops.If you’re not getting qualitiative and quantitive feedback/data everyday, the cancer will start.It’s easy: speak to people, Google Analytics, send surveys. Just don’t hide from it.*This is the crucial and worth a dedicated blog post in the future.COMMUNICATE“Don’t talk to him, he doesn’t understand. He’s out of the picture next funding round anyways.” I hid everything internally. It was easy, we were in 5 different countries! Our developers were remote (I’ll get to that) and Basecamp was our only means of communication. In other startups, I wouldn’t included people from discussions because “it isn’t necessary. That isn’t their job”New features, awful designs, conniving plans were all pushed through a funnel. I was the leader of the deceiving. Architecting a blue print to push my own delusional “never test and succeed” agenda. My style? The longer the email the less likely someone important will read it. What a strategy. As always, the CEO is the biggest idiot.I don’t care if you’re a church, a tech startup or a non-profit. If you don’t have a system of communication in place that keeps everyone aware of what everyone is doing in the company, in real-time, for every milestone, everyday, you will die very soon.Lesson: Live and breath Scrum.SCREW LAWYERSLawyers are criminals.I spent $15,000 on legal documents/fees we never used. Every entrepreneur/startup I’m involved with thinks lawyers are the first step to success. Bullshit.DOCSAll the legal documents you ever need are available online. If you’re B2B, all companies that you’ll work with have their own standard LOEs, NDAs, etc., that they anyways steal from Fortune 500 companies. Request it. Then use it. B2C? Here.BUT I NEED A TRADEMARK!Unless you have 10,000 clients you don’t need to think about copyright or even the name. Prove the concept first. Worry later. If you do have to worry, those are very nice worries to have.PATENT IT!Patenting something that isn’t validated with at least 10,000 clients is moronic. Ironically, this is the only mistake my first startup didn’t follow through with (fully, at least).DECISION MAKINGI was traumatized from taking decisions. Most startups never take decisions. In other statups I work in, decisions took weeks. People join startups for the reason of avoiding bureaucracy but everyone still does it. Why? Lack of trust and overview of the team, so they choke the process (have I suggested Scrum?).The board should decide on the vision and the group should decide what to execute on by creating a backlog for the week. The team should then have the power to execute it. With a great communication process in place, teammates should be able to take decisions without reporting to anyone while keeping everyone updated with everything’s that going on, live. Have a flat structure to achieve this by using Scrum.Let people do their jobs. Trust them. Don’t have a tedious review process as most startups do. Don’t suffocate the system. Empower your people.Read Scrum by Jeff Sutherland on how to manage your team. Then read Team of Teams by General Stanley McChrystal for how to organize the information flow. Both books compliment each other perfectly.THE BOARDThe ideal board is 3–5 people maximum if you’re a startup. Anything above that means that either no decisions will ever be taken (my first company) or someone has a hidden agenda and profits from a discombobulated board.A business is not a democracy. Unanimous decisions don’t work and will never work.Who’s should I put on the Board?Only investors/shareholders who hold a large stake and are extremely active in the success of your venture.INVESTORSSmart Money vs Still MoneyJust because someone is offering you cash almost always means you shouldn’t accept it.Your investor can have the greatest contacts in the pharmecutical industry. She can be CEO of Merck. If she doesn’t have a massive network in whatever industry you’re in, it’s worthless. The money will be worth nothing. This is true 100% of the time.Always onboard investors that can help you in your niche industry.MEETINGSThis is my top 3 favorites. Most won’t agree with me on this.I’ve never been to a meeting that has made me money/funded my venture. I don’t think anyone has. Has anyone ever handed you a check at a meeting? I doubt it. Today, it usually happens by wire-transfer.Meetings are pointless. Every team I meet, consult for/work with all think that going to meetings is the most crucial part of business. Most importantly, the whole team should be there. Pick up the fucking phone. Travel is time and money expensive. Even if you’re taking a cab.I would fly 10,000 miles for a 3 hour meeting and then fly back to Europe that same day. $30K. Gone.“If you had to identify, in one word, the reason why the human race has not achieved, and never will achieve, its full potential, that word would be: ‘meetings.’” - Dave BarryMost of the discussion can be ironed out over email and FaceTime.Ok yes, I agree. Meeting in person is important. But not until it’s necessary. Most of the time, it’s unecessary. And even when it is, it shouldn’t always be an excuse to leave work for a business lunch or to Shanghai for the day.Avoid meetings. Get more done.It’s a waste of time 99% of the time.FOUNDING PARTNERS = YOUR SPOUSEYou will be married to your partners and investors for the next 7–10 years. Choose wisely.Know your team. Speak to your investor’s enemies. Get references for everyone.Don’t be a deceiver. Use Scrum.WORKING HOURSWe worked 16 hour days. Yey! Startup life!No. Work 8–10 hours and you’ll get more done than working 18 hours a day. Don’t believe me. It’s proven.Working 18 hour days leads to a burn out, which leads to painter’s dilemma, then delusion, then deceiving others around you, then depression. Then it’s too late.Ultimately, the more you work the more mistakes you’re prone to make. Mistakes made are mistakes that need to be corrected. Mistakes that aren’t correct can take up to 24x longer to correct than if they were corrected immediately.But you can’t see that. You’re burned out. You’re in Painter.PRODUCT / MARKET VALIDATIONAnother reason I refused to test in the three product startups I was involved in was because “the ideas work successfully elsewhere. They will also work here.” Doesn’t work like that.Just because you’re making a mishmash of several products that have product/market validation elsewhere doesn’t mean people are willing to use your product. I have yet to meet a new founder who hasn’t claimed this.In order for someone to switch to your product, your product needs to be at least 8x better.*Is your product really 8x better than your biggest competitor? If the answer isn’t a clear yes, quit.*Read Hooked by Nir Eyal and Ryan Hoover for how to build habit forming products.RECREATING THE WHEEL“God gave you eyes, so plagarize.” -Michael LewisNo need to re-create the wheel. Everything is out there already for a reason. Use APIs, read books (many books), steal functions, designs, ideas, marketing slogans, branding, on boarding processes, software, colors, clients, everything from other people/companies who are successful.This doesn’t mean that you shouldn’t test it in your own environment. You must validate every single function that you put out there. Use the Lean Startup KanBan by Ash Maurya for this.DILUTIONWe gave away 51% for our first funding round. How much did we plan to keep when we “exited?” Think about that. It doesn’t make sense.Startups do this all the time. If you retain 51% after the seed round, how much does the founding team plan to keep by Series B? 20%? If you take the average of what you got paid for equity after the exit + your salary you’ll be paying more in taxes with a minimum wage paycheck for the past 8 years it took you to exit. Might as well work in a shoe store.If you don’t have the bargaining power (a validated product) to raise money with, quit.GUYS IN SUITSOur tech partners wore suits. That made us comfortable. They ended up quoting $100k. We ended up with nothing.If you see tech people in suits, run.OUTSOURCINGI lost well over $100,000 for our first version that was outsourced. We were smart enough to not learn from our mistakes so we found another team to outsource with. Another hefty sum gone. Only myself to blame.I’ve had terrible experiences with outsourcing and great experiences with in-house development.However, many products (we all use everyday) have found great success in outsourcing. I also know many entrepreneurs who outsource and are extremely succesful. While there are massive benefits, there are also downfalls. If you plan to, find a free consulting company that has pre-screened teams.Either way, using Scrum increases your chances of success in-house or out.YOUR TEAMEntrepreneurs read about Steve Jobs’ management style and think he was a tyrant. So they curse at their employees and tell everyone that they are “shit.” They think that’s how a company should be run and that’s how teammates should be treated. Wrong. Treat your team like shit and you’ll get shit.Either way, that’s not how Steve Jobs did it. Steve Jobs empowered his team. He told them that what they’re outputting is shit because he knew that they could do better. Because they are the best in the industry. He made them feel good. He challenged them and today Apple is Apple because of that.On the other hand, I lied. Didn’t speak about the hard things and repressed whatever fear or worry we had. We were scared that someone would quit or that we would look bad if we showed our emotions in front of our investors.You should always be able to tell your teammates all the fears and worries you have. Chances are, if you’re worried about something, everyone is worried about the same thing. Bring it up. Talk about it. I keep mentioning Scrum* because it encourages team members telling each other what’s bothering them and what’s impending the growth progress. This is key to not failing.Not once, in any of the startups I was in, did I or others get credit for great work or for their ideas that ended up being implemented. Not once did anyone congratualte a teammate on a engineering triumph, a beautiful design or a new lead. Startups think “business is business. This isn’t a cute place to pat each other on the backs.”BUT THAT’S EXACTLY WHAT A BUSINESS SHOULD BE. You should be holding each other up, helping one another and listening to the problems in the team. Because ultimately, you’re on the same mission.The second the negativity flows in people become scared. They stop raising issues, telling you how they feel and how to improve the business. When that happens you start to slowly die because you’ve fell into dillusion that everything is working. Six months later, you’re on the street.Empower your team. Congratulate people. Love each other. When someone screws up, tell them that. But also tell them how to improve and ask them why they think they screwed up and how to make their job easier.You’re a team. Be one.*Believe it or not, I’m not affiliated with Scrum in anyway. I’m not even a Scrum Master.—When I reflect on all the stupidity I’ve personally done and the startups I’ve been involved in, I realize that the only thing I ever followed up through and executed with absolute perfection, were the things that eventually ended up killing us: not telling a soul what our idea was. Talking to lawyers. Partnering with bad teams. Hiring out of weakness. Going to too many meetings. No decision making system. Not using Scrum. Hiring people out of fear. Hiding from reality.Mistakes are simple to make but hard to correct. They’re usually the first option that pops up. But as entrepreneurs we do thing because they’re hard, not because they’re easy.Hard choices take a long time to get right. It takes guts, intuition, experience and lots of luck. But never settle. Never accept your situation.Life can always be better.…..This was originally posted on the NY Observer and our blog on Penta.Follow me @lukaivicev or contact me directly at luka@getpenta.com.

Working there is a lot easier, as far as the amount of thinking, creativity, intelligence, etc required.Once at Google, you’ll likely find yourself slowly going nowhere on nothing in particular, while working long hours. That is, the work is usually pointless, meaningless, and irrelevant.On the flip side, once you’re hired, you can essentially coast for many years, while doing almost nothing. Also, the less drive/ambition you have, the less you’ll be affected by political games, an absence of promotions, being put on a crappy part of a legacy product, etc (ie, you won’t really care when they try to waste your abilities, drown you in endless BS work, or try to have everything lead to a dead end).You’d think at this point you’d be looked at unfavorably, but I kept noticing it was those who politicked or tried to coast that would receive promotions and large bonuses. That is, if you’re just about rising and making money, then if you find yourself doing actual work, you know you’re going to lose.Google doesn’t really get rid of low performers, so if coasting results in little to nothing being done, you’ll probably have nothing to worry about. That is, accusations of low performance are usually only made when management is trying to push someone out for other reasons (see them as a threat, don’t want to pay, want credit for something they did, etc).Eventually, after having done nothing for many years, you’ll likely have difficulties finding another job, as your skills will be out of date; however, those that want to coast usually have no plan on quitting— ever.

There are really only 3 ways to pay for college (in order from most ideal to least ideal):scholarships/grants: This is money that does not need to be paid back. There are different types. Some are athletic, some are academic and some are need-based aid.money that you or your family has previously saved: I assume that you don’t fall into this category since you are asking how to pay for college.loans: This is the least ideal because you graduate with debt which can require you to post-pone some of your post-graduation goals such as buying your first house.You ask how can you pay for college without scholarships or loans. The short answer is that you can’t unless you have money saved up. However, I suspect that you were thinking of scholarships as only athletic or academic scholarships and not including need-based aid. If you do not qualify for need-based aid and do not have any other source of funding, then you would need to take out loans. This is not necessarily bad, but be careful not to take out too much as student loan debt can easily get out of hand.

It is Smart to figure out how to best Leverage money to do the most for You in a cost-Effective manner.As a prospective freshman in college in the USA, you should NOT plan on borrowing more than $27,000 over Four Years in order to attend that college. Period.You can then borrow all of that $27,000 from the Federal Direct Loan program and get at least 60% of it subsidized (no interest accumulates until six months after you Finish College, including any graduate studies).The real rule of thumb that I use is: do Not plan on borrowing (total over four years) more than 50% of what you Expect to earn as a starting salary, with your skill set, attending and graduating from that college.That allows, all Hell to break loose during college and you may have to borrow up to 100% of what you expect to earn as a starting salary.50% can be paid back within five years.100% can be paid back within ten years.If you follow those guidelines you will be fine.You need to sit down and work through a cost-Effectiveness assessment for You.And, if you believe you need to borrow a lot more than $27,000 to attend a particular college, then Forget that college and find another college. Period. End of story.And, if your family can’t help you, then you may need to do two years at a Community College, with a pre-planned program to enter your state’s Public University as a junior.And, if that doesn’t work, then you may have to enlist in the Navy or Air Force and get on-the-job-training, and educational assistance and when you are honorably discharged you can fill out the FAFSA forms and apply for financial aid as an Individual with No dependence on your parents.Don’t worry.Instead, Plan.All the best.

Did you know that a million dollars in U.S. currency weighs just ten kilograms? It's true. A freshly-minted $100 bill weighs in at slightly over a gram, and 100 of them is ten thousand dollars. 100 of those stacks, and there's your million.It’s not often that 10 kilograms - 22 lbs of anything can change your life. But on February 25th, 2014, that’s exactly what happened.  Day 1: $1,000,000 As the man in the gray suit walks away, I shout after him “Hey, come back here. Who are you? What’s this all about?” He does not look back and quickens his pace. Between the choice of chasing down a stranger, or securing what appeared to be stacks of currency, I chose the currency. We can resolve the issue of his identity later, but a loose sack of cash is, well, a loose sack of cash. I look through the contents again. Bundles of US$100 bills, stacked a hundred bills deep, wrapped in standard $10,000 bank bands. A quick count revealed that there were precisely a hundred of those stacks in the bag, and spot-check riffle-counts of the $10k bands suggest that there are no short-stacks within. These were full bands of $10,000 apiece of non sequential USD$100 bills, and I was holding what appears to be a million even in cash. And it feels like just as many question are swirling in my head, as I feel my pulse pounding in my skull. Who was that guy? Why me? What is this all about? But the most urgent thoughts swim past the dizzying deluge of unanswerable questions. Fakes. It’s one thing to inadvertently be the recipient of counterfeit currency; as you’re reading this very sentence, a clerk at a retail store somewhere in your city just accepted a counterfeit bill and made change from the real money in the till.  But to be in possession of a life-changing amount of counterfeit currency of the United States of America? Well, that’s sort of thing that can bring the full might and wrath of their law enforcement apparatus on your head. My emotions swing wildly between the elation of instantaneous wealth, and sheer terror that I was minutes away from being snatched from my home and corralled into a Federal holding cell, where I will grow old within its walls. Terror was the stronger of the two emotions, and I quickly went to work. First things first: the bag had to go. If there is a GPS tracking device embedded in its seams, it would take too long for me to root it out. Better to incinerate it, and make sure that whatever trail it was laying stops at a dead-end for its pursuers. I pour the stacks of bills into an empty duffle back from my garage, and lock the bag in my condo. There’s an abandoned marina just a mile from my home and I get in my car and drive straight to the docks, at the top of the posted speed limit. After pouring enough Kerosene on the bag to see the shimmering mist of petroleum evaporate above it, I lit a book of matches and threw it in the middle of the mass. A satisfying “Whoomph” lights up the fire, and I watch the edges of the bag curl and burn - sizzling in the midmorning sun. As the remnants of the bag’s embers swirl around the scorched mark on the docks, I drive back to my condo, pulse still pounding in my skull.I still haven’t figured out if the bills are real or not, but if this morning’s bag-drop was an attempt to pin a piece of deeply incriminating evidence bearing a tracking device … well that plan has been thwarted. Or delayed, at the very least. What do I do? What should I do? Call the authorities? Consider how it would sound: “Hi, Police? Somebody dropped a million dollars in cash at my home. I don’t know if it’s fake or not. Please help.” Would you believe such a ridiculous story? I wouldn't. Any reasonable law enforcement dispatcher would consider the caller legally insane, and I'd be arrested on the spot and sent to psychiatric care. If the money was real, it’d be seized and I'll never see it or spend it. If it was fake, they’d find a way to stick “possession of counterfeit currency” charge on me, and I'll be shoved into a Federal concrete box, draining the best years of my life away, only to be released when I can’t chew solid food any more. No. The only recourse is to handle this myself. I call an old college friend practicing criminal defense law in New York City: “Hey Roger, it’s Kai. How’ve you been?” “I'm cool. It's been a while. What’s up man.” “We should catch up soon in person. But I’m calling because I need something.” “Ok, shoot.” I swallow hard - it’s difficult to even say the words: “Who’s the best CrimDef lawyer you know in California, who defends against Federal charges?” A moment. His voice lowers noticeably. “Shit, man. You in some kind of trouble?” “I’m not sure yet.” I said, truthfully. “But I need someone experienced and smart ... someone who you’d hire, if you’re facing serious attention from the Feds." He lets out a long exhale. “Vincent King. Former rockstar DOJ prosecutor in D.C. Had a change of heart halfway through his rotation in Maryland, when he was securing Life sentences for “interstate drug transportation” charges on young Black kids who were busted muling for the cartels. Was offered a fast-track promotion straight to the U.S. Attorney’s office but went rogue. He set up independent shop in San Francisco, fighting Fed cases. Heavy hitter clients, but makes a point of refusing to represent anyone accused of murder or human trafficking. Intimate knowledge of Federal prosecutorial procedures and evidence-collection protocol. Smart. Methodical. Very expensive.” “Perfect.” “I did mention ‘very expensive?’” “You did.” “I’ll send his contact information now.” =================================“I’m sorry - Mr. King is in court all day and won’t be back in the office. His earliest appointment is tomorrow morning after a client meeting. Shall I book him for 11am for you?” “Yes, thank you Marta.” “We’ll see you tomorrow at 11 then.” I look at the digital clock in my kitchen -  it reads 10:44am. Just me and a stack of bills which may or may not be fake, no formal legal representation for over 24 hours. It’s going to be a long day. Taking even a few of these bills to a bank to corroborate their authenticity is out of the question. If a bank officer confirms they are fraudulent, I’ll be arrested on the spot, and since I haven’t hired counsel, I’d be at the mercy of the Public Defender’s Office - the most overworked and underpaid division of the American Criminal Justice system. No, thank you. The next number I dial is an old friend, Robert Kendrick, sole proprietor of ‘Secher Nbiw - The Golden Path,’ a gold bullion dealer with a whimsical Dune reference in the name of his shop. I’ve known Robert for over a decade; his business deals in large amounts of (mostly) legal cash. By necessity, he has a high-end currency counter/ counterfeit detection device in his office, which can swiftly count and verify large sums of money with precision. “Bobby, it’s me.” “Hey, what’s up.” “Can I come to your office - like right now?” “Sure, what do you need?” “I, uh, came into some money. Long story, and I really don’t want to get too much into the details … but I’m wondering if you’d be willing to run the bills through your counter for me? I’m not 100% sure they’re real, and I’d like a discreet way of verifying them. If they are, I’m going to pick up some bullion as well.” “Sure man. Happy to help. How much money are we talking about?”“$60,000” I flinch at that - I hate lying to friends, but at this point, I have no idea who to trust. Though if you want to be technical about it, I did come across $60,000. I am just simply not telling Kendrick about the other $940,000 that accompanied the $60k in the satchel that dropped into my life just three hours ago. “Come on by.” I pull apart a few $10,000 currency bands and start plucking random $100 bills from the middle of every 10k stack to assemble a randomized sample of the entire million. 100 bills, wrap it up. 100 bills, wrap it up. 100 bills, wrap it up. Three bands, thirty thousand dollars, randomized and fully assembled to be tested for authenticity. “Half” of my alleged $60k windfall. The rest of the loose bills are refolded back so there remains 97 stacks of $10k racks, re-wrapped and properly sorted. In 30 minutes, I will figure out if I’m rich, or holding on to enough illicit contraband to send me to Federal Prison for the rest of my life. =============================The Golden Path, like most bullion dealers, work out of small, highly secured office covered by multiple layers of security. At any given moment, Robert may have several hundred thousand dollars in cash or gold, silver and platinum bullion on the premise, it pays to be careful. One of the few civilians in California with a Concealed Carry Weapons permit, Kendrick and I met on pistol gun range ten years ago; we bonded over shooting .45 ACP slugs down-range. He and I spent countless hours debating the relative merits of his preference for single-action 1911s, vs my bias toward double-action SIG-Sauer P220s. In the bullion business, you learn to know the boundaries of money-laundering laws, and know how to walk right up to the edge without triggering reporting thresholds. Drop US$10,000 in cash or more at a car dealership, bank or bullion dealer in a single day’s transaction, and the U.S. authorities gets very interested in the source of your funds. By law, these business that receive such sums of cash must fill out invasive forms to tie the transaction to you and your Social Security Number. Keep cash transactions below US$10,000, and you can avoid much of that intense scrutiny. “Welcome back man. I haven’t seen you in a while.” A discreet man, Kendrick does not inquire further about the source of the cash. In the business of buying and selling gold bullion, you learn to comply with the letter of the law, while avoiding conversational topics that can jeopardize one’s own plausible deniability. While his clientele is mostly legitimate, I’m certain the most lucrative of his customers are criminals - and he smart enough to know not to ask the sort of questions that open up a line of liability for him.  So long as the proper theatrics of anti-money-laundering protocols are observed, everyone is technically in the clear. I hand him the three $10k stacks and he pulls the bands off them and puts the entire block in his high-speed currency counter. After a second, the machine spools up and the digital counter swiftly runs from zero to three hundred. Thirty thousand dollars. “It’s real.” It’s real. His words hang in the air for a moment, and it takes a moment for them to sink in. One million dollars. Genuine currency of the United States of America, the most recognized and accepted form of money in the world - denominated in crisp, non-sequential bills. I hold my face as neutral as possible, but my excitement made me slightly dizzy, and I am glad I was sitting down. “What’s the spot price of Gold today?” Kendrick’s eyes drift to his laptop computer, where the current day’s commodities prices were fed to him via a live stream. “$1334 Ask, $1335 Bid.” I nodded my understanding.Precious metals bullion trade in troy ounces, and prices are quoted on a per troy oz basis; depending on the specific type of bullion (bars, coins, make), there are different markups from the quoted price. Depending on the specific form, Gold is typically marked up by USD$20 to $60 over the day’s quoted Bid price, and sells for $5~10 over the Ask. “What do you have in inventory right now for gold?” “The usual. South African Kugerrands. American Eagles. Canadian Maples. Oh, I do have a lovely Credit Suisse 5oz bar that somebody just sold to me, and I’m happy to let it go for $25/oz over spot.” I quickly did the mental math calculation. With the hard-cap spending limit of $10,000 before I trigger any mandatory anti-money-laundering paperwork, $1335/oz works out to about seven troy ounces of bullion I can buy, without forcing Robert to fill out invasive forms about me and my identity. “I’ll take the 5oz Credit Suisse bar, and two American Gold Eagles.” Kendrick pulls out a calculator and taps in the numbers, “So five troy ounces at 25 over spot plus Eagles at $50 over spot works out to nine thousand six hundred and -“ “Take ten grand and keep the change.” I interrupt. “I will be back for more.” He raises his eyebrow, but says nothing. “Thank you. I’ll be right back.” He counts back $20,000 and hands it to me, taking the $10,000 in the back room of his office and returning with the 5oz Swiss bar and two heavy 1oz American Eagles, along with a receipt for US$9675. I pause for a moment and hand him back one of the $10,000 stacks. “I know the limit is $10k in transactions per day. Consider this pre-payment for a purchase tomorrow. Your call, on a mix of anything up that totals up to $9500. Keep the rest for you and Katie.” A barely-perceptible smile flickers across his face, then his face was clear again. “Sure thing.” There’s nothing like the feeling of holding physical gold - the density, color and heft of the metal is like no other substance on earth, and it is no wonder that since its discovery, every culture on Earth treated gold with awe and respect. With 18 hours left before I can understand my legal options, there’s only two things I know for certain: 1. The money is real. 2. At least one person knows exactly where I live, and where the money was dropped off. I need to get mobile. I need to get mobile and off the grid ASAP.... to be continuedIf you'd like to be the first to get updates to this story, please add me kai chang 張敦楷 (kaichang) on Twitter. Part 2 (of 10) is being written right now, will be announced on Twitter. Please follow for updates on the saga of the Quora Millionaire! :D

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