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How can Canada afford free healthcare for every Canadian?Thanks for your question. First of all, Canada does not have completely “free healthcare,” (we “pay” indirectly through our income taxes, of course, among other sources) nor do we have “socialized healthcare” like the U.K. Our universal healthcare is more like a nationwide group insurance policy that benefits from huge economies of scale and the efficient use of resources that follows from a more planned, centralized approach, and our doctors are not employed by the government. They have their private practices or are employed by hospitals, and bill the government per service.Our healthcare is as mentioned partly subsidized by income taxes, and then each province or territory has other means of funding their own system. For example, in Ontario, most alcohol sales are controlled by the Liquor Control Board of Ontario, and their revenue is one of the chief sources of funding for our provincial system (amounting to $2+ billion as of 2017–18).Each province or territory then receives a transfer payment from the federal government. The provinces have a certain degree of freedom to deliver the services that best suit their needs, but there are limits to this. To receive their federal transfer payment they must adhere to the five core principles set out in the Canada Health Act. These are: Public administration; universality, portability, comprehensiveness, accessibility.Canada’s taxes per capita are comparable to U.S. tax rates, by the way, not signNowly higher.Costs of drugs are considerably lower, because the provincial governments negotiate directly with drug companies (economies of scale). A nationwide prescription drug plan is planned to roll out in 2022.Canadian hospitals are not public, but 95% are non-profit organizations and are bound by strict budgets.Canadians are guaranteed free care for medically necessary procedures and tests and surgical dentistry. This means that care not deemed necessary by each province may be charged for or involve co-pay.Regular dental care outside of a hospital setting is generally not covered, except for the very young and for seniors; people have private insurance or insurance through work for dental care. (My personal opinion is that the lack of coverage for dental care is a signNow flaw in the system, and should be addressed. However, when I needed urgent wisdom tooth surgery twenty years ago, my surgery took place in hospital, under general anesthetic, and therefore the costs were completely covered.)Medications mostly involve a small co-pay, but a doctor can also admit a patient to hospital, in which case the drugs are free. Each province has its own program for medications and list of drugs covered. These programs are usually geared to your income after tax. For example, there are usually different programs for Seniors (65+), people on social welfare, diabetics, those needing expensive drugs (e.g. HIV-related illnesses or palliative care) and even over-the-counter meds if your doctor states they are necessary. Co-pay is often only $2 per prescription. Where there is an exact equivalent generic version of a drug, this is provided as they are normally a lot cheaper. However, if you have had adverse reactions to generics, they will provide the brand name versions.Also let’s address the topic of wait times, often given as a reason that Canada’s system is “broken.”Our system is not broken. One of the ways we keep costs down and are fiscally conservative is by limiting supply of elective and non-essential procedures. Sure Americans might get a hip replacement or MRI scan a bit faster, but with the result that their health care costs are much higher. (Americans also ration healthcare: with high fees. Unfortunately, this amounts to limiting demand, but health care isn’t something you can decide not to have— if you need heart surgery you need heart surgery. No one in Canada will ever go bankrupt because of medical bills, because there essentially aren’t any.)We could reduce wait times if that was our primary goal. It’s not.So the answer is: Through efficient use of taxes, by covering only medically necessary procedures and drugs, by rationing supply of non-necessary procedures, by negotiating drug prices at the provincial level and by not running on a for-profit basis, but on a strict budget.No system is perfect, but I’m grateful for my country’s system. I have always received excellent care and can’t imagine living without this. It’s part of the Canadian identity, really.
How should I start a high school sparring club?Don't! What you're taking about is a brawling club. That's a bad idea in any context, and your school is certainly not going to allow it.Sparring is something we do as part of training with qualified coaches and instructors. It's practice, not an activity you just decide to do.You're proposing to get a bunch of kids together to “spar” without any particular training and no coach, which is not sparring but brawling — you don't even know what combat sport or martial art you want, which tells me you actually have no training or skills. That's nuts. People will get hurt, “sparring” will get out of hand, and your school would be on the hook for massive liability suits. That’s besides the criminal charges you and others who participate in this could face.Go to a proper gym. You'll learn very little from brawling except how to get hurt and in a ton of trouble.
If an American retires in Europe, how do they get healthcare? Are some countries better than others for healthcare?I know this is difficult to understand for an american. But in many countries in western Europe when you need healthcare you just go and see a doctor and then rather than greeting your sick frame with thick wadges of signNow and forms to fill out that mostly try to prevent the doctor from experiencing any form of liability the doctor will just say, “What can I do for you?”I think your question though really is - how do I get healthcare coverage. The answer is in many countries in western Europe, assuming you are legally immigrated in to the country (and in some cases when you aren’t) you already have healthcare coverage. Asking for how you “get coverage” is a bit like asking - how can you get permission to walk down the street, enter a public park or go to the library. The state pays doctors salaries and the doctors are just there.Its notable that this year alone in the US I spent roughly 100 hours of my personal time just getting coverage ( filing eligibility forms etc., getting all those hospitals to talk to each other without screwing it up, ensuring no gap in coverage as I move between health plans, etc.). I lived in the UK for 10 years and in the entire time I was there I don’t think I spent even 30 minutes of my life worrying about healthcare coverage - despite needing everything from ER visits to specialist care.Some places will require you register with a local general practitioner (GP), in which case you need to call round the various GP surgeries and pick one that you a) like and b) can take on new patients. I know that this sounds like signing on for high end concierge care here in the US, but it turns out that when you get rid of all that signNowwork and build a system that actually tries to save as many lives as possible you can afford to deal with people that way (oh and it costs way less - the UK system is roughly 1/3rd - yes I said that correctly - one third the cost of the US system per capita - that is the full actual cost not a subsidized cost).In the UK anyway a lot of your care is directed by your GP so that’s the thing you’d need to sort out. I can tell you that having a GP who is an effective quarterback for your care - well that’s way better than myself trying to string together a team of providers as I was sometimes forced to do here in the US.As to your question as to whether some countries are better than others. This is definitely true. France is ranked the highest, but to be honest I’ve had pretty good care in several countries in europe - and all of the countries in western Europe beat the US easily on most important metrics of national healthcare (e.g. life expectancy, infant mortality, maternal mortality). There are variations even within the countries, but in general due to national institutions that try to set standards, the standard is more uniform than here in the US.For more information on various universal healthcare systems check out the excellent question:How much does healthcare cost the individual in countries with a universal healthcare system? Would you change it for the "American system"?some quotes from the responses found there:“Would I change to an American system? Not a chance. Never in my life!”“The impossible question is why—in the face of all of the evidence—a substantial number of US citizens still embrace a system that can only be adequately described as “f***ed up”.”“Again, not a chance I'd want the US system.”“Changing here to the American system? No one is that stupid.”“I wouldn’t swap the UK system for the US one in a million years. You are being ripped off guys, wake up and do something about it.”“Why would I change it? It is way beyond stupid.”
What is it like to be a quant?Worked as a quant at a big investment bank. Now I have my own company. You have to take everything that I say with knowledge that I'm talking about the past, and the anything about what life was like in 2007 or even 2010 may be irrelevant for 2014.Workload is surprisingly not too bad. Most quants work 60 hour weeks which is standard in the high tech industry. No one I know works killer hours like the people in mergers and accquistions, and there is no point in working when the markets are closed. When you leave for home, there are always a lot of food delivery people in the lobby.The compensation has gone down over the last few years as bonus has been replaced by base salary, but it's slightly higher than in the other tech industries. You however will feel more poor than you have ever felt. When you are in a room full of people who make >$1M/year, and you make $150K, you feel really, really, really poor. Their kids go to better schools, they have nicer houses, bigger cars, they get into conversations about where to take vacations, and you feel like you are living in a cardboard box. You are either in a cube farm or in a front offices position. If you are in front office, you are at a long table, and you see traders screaming at each other. Most of it is "friendly screaming" (i.e. buy X at Y!!!! The price is going down!!!!) Some of it is "unfriendly screaming" over the phone.The soft skills aren't the economics and finance. You can learn that. The important soft skills are the interpersonal relational ones. How to resolve conflict or not resolve conflict, how to get people to like you, how to get people to know what you are doing. Also the cool things is that the rules change. It's useless to read most economics and finance textbooks because the information and models there are just plain wrong, and your job is to come up with the right ones.Any example of a soft skill is when you look at something and think, "this is nonsense". Rather than say "this is total nonsense" you spend an hour drafting a three sentence e-mail using the correct corporate language for "raising a concern" and then you spend the next hour editing the CC line. One reason that I liked the job was that I considered this an intellectual puzzle, and it amused me how traders would use the most rude and blunt language while a lot of the e-mails are in extremely elegant bureaucratic nonsense, and you know your e-mail is going to be ignored so you are just setting up a signNow trail so that you don't get blamed when something blows up (or so that you do accept liability for something blowing up).One reason that finance needs so many physics Ph.D.'s is that in physics, once you figure out the rules, they don't change. Once Einstein figures out general relativity, no need for a new Einstein. The cool thing about finances is that everything changes. The interest rate models that were used before 2008, for example, just *will not work*. So your job is to come up with new ones. And once you come up with new things, the rules change again. Once the Fed stops QE, there will be very, very curious things happening with interest rates. I don't know what they are, but we'll figure them out.Also, you occasionally get to "geek out" on some curious bit of trivia that is not so trivial. You get really familiar with things like Brazilian calendars, Japanese corporate finance, and when traders in Hong Kong eat lunch.You also see a fascinating world of wealth and power. You are not part of that world. Your boss who makes >$1 million/year is a butler for the people that really run the planet. You are an assistant butler. One of the more interesting experiences is to watch your boss talk to *his boss* and *his boss* talk to clients. As with wealth, if you want to feel powerful, don't work for an investment bank. Where I used to work, promotion to VP was automatically after three years. Above that is a *lot* of political maneuvering. Most people figure out that they signNowed the glass ceiling and leave. The problem is traditional investment banking is not growing, and the regulators won't let the banks do anything new or original, so the politics is a bit nastier than in the early-2000's when the field was growing. One reason that I got out was that the work starting being filling out forms for the government which wasn't that terribly interesting.The one thing that I think was good was that I got in at just the right time. I got in at 2007, and when the world exploded in 2008, I had a front row seat, and I played a small part in helping to save the world. As the world was falling apart, the computer models at the bank I was working at were constantly failing because they were getting stressed, and I helped make sure that the compiles were working.
Why don't schools teach children about taxes and bills and things that they will definitely need to know as adults to get by in life?Departments of education and school districts always have to make decisions about what to include in their curriculum. There are a lot of life skills that people need that aren't taught in school. The question is should those skills be taught in schools?I teach high school, so I'll talk about that. The typical high school curriculum is supposed to give students a broad-based education that prepares them to be citizens in a democracy and to be able to think critically. For a democracy to work, we need educated, discerning citizens with the ability to make good decisions based on evidence and objective thought. In theory, people who are well informed about history, culture, science, mathematics, etc., and are capable of critical, unbiased thinking, will have the tools to participate in a democracy and make good decisions for themselves and for society at large. In addition to that, they should be learning how to be learners, how to do effective, basic research, and collaborate with other people. If that happens, figuring out how to do procedural tasks in real life should not provide much of a challenge. We can't possibly teach every necessary life skill people need, but we can help students become better at knowing how to acquire the skills they need. Should we teach them how to change a tire when they can easily consult a book or search the internet to find step by step instructions for that? Should we teach them how to balance a check book or teach them how to think mathematically and make sense of problems so that the simple task of balancing a check book (which requires simple arithmetic and the ability to enter numbers and words in columns and rows in obvious ways) is easy for them to figure out. If we teach them to be good at critical thinking and have some problem solving skills they will be able to apply those overarching skills to all sorts of every day tasks that shouldn't be difficult for someone with decent cognitive ability to figure out. It's analogous to asking why a culinary school didn't teach its students the steps and ingredients to a specific recipe. The school taught them about more general food preparation and food science skills so that they can figure out how to make a lot of specific recipes without much trouble. They're also able to create their own recipes.So, do we want citizens with very specific skill sets that they need to get through day to day life or do we want citizens with critical thinking, problem solving, and other overarching cognitive skills that will allow them to easily acquire ANY simple, procedural skill they may come to need at any point in their lives?
How did bank managers and staff in India treat you whenever you approach them for some loans?When I was making plans to go to the USA to attend graduate school, my father and I went to different banks asking for education loan.At that time, my father made just enough to support our family and all he has is a small house. No Savings or any other property.The home value is more than the loan amount we requested for. Most of the banks turned us down and I almost gave up on my dream to go to Grad school.I went to Andhra bank near my area. This was a new branch and I just went to try my luck. The bank manager is a soft-spoken person. He asked me for my details and other stuff. He told me that he can’t guarantee a loan until the appraisal is done.Two days later, he called me telling that the appraiser is in town and they want to see my home to estimate it’s value. I called my dad and they got the appraisal done. The manager looked into my study certificates and told me that he will do his best to get the loan approved.He went above and beyond his duty and got the loan approved. I got my loan signNows and the next day, he got transferred to a different branch.I finished my Master’s degree and now, I am having a good job. I called the manager to convey my thanks for his help. He told me that he is really happy for me and that I was the first one who got an education loan from the new branch.Thank you, Sir!!!!
What would you do if a perfect stranger stopped by your house, gave you a bag containing a million dollars, said to you, "Take it, it's yours", and then walked away?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 signNowwork, $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
Do military members have to pay any fee for leave or fiancee forms?NOOOOOOO. You are talking to a military romance scammer. I received an email from the US Army that directly answers your question that is pasted below please keep reading.I believe you are the victim of a military Romance Scam whereas the person you are talking to is a foreign national posing as an American Soldier claiming to be stationed overseas on a peacekeeping mission. That's the key to the scam they always claim to be on a peacekeeping mission.Part of their scam is saying that they have no access to their money that their mission is highly dangerous.If your boyfriend girlfriend/future husband/wife is asking you to do the following or has exhibited this behavior, it is a most likely a scam:Moves to private messaging site immediately after meeting you on Facebook or SnapChat or Instagram or some dating or social media site. Often times they delete the site you met them on right after they asked you to move to a more private messaging siteProfesses love to you very quickly & seems to quote poems and song lyrics along with using their own sort of broken language, as they profess their love and devotion quickly. They also showed concern for your health and love for your family.Promises marriage as soon as he/she gets to state for leave that they asked you to pay for.They Requests money (wire transfers) and Amazon, iTune ,Verizon, etc gift cards, for medicine, religious practices, and leaves to come home, internet access, complete job assignments, help sick friend, get him out of trouble, or anything that sounds fishy.The military does provide all the soldier needs including food medical Care and transportation for leave. Trust me, I lived it, you are probably being scammed. I am just trying to show you examples that you are most likely being connned.Below is an email response I received after I sent an inquiry to the US government when I discovered I was scammed. I received this wonderful response back with lots of useful links on how to find and report your scammer. And how to learn more about Romance Scams.Right now you can also copy the picture he gave you and do a google image search and you will hopefully see the pictures of the real person he is impersonating. this doesn't always work and take some digging. if you find the real person you can direct message them and alert them that their image is being used for scamming.Good Luck to you and I'm sorry this may be happening to you. please continue reading the government response I received below it's very informative. You have contacted an email that is monitored by the U.S. Army Criminal Investigation Command. Unfortunately, this is a common concern. We assure you there is never any reason to send money to anyone claiming to be a Soldier online. If you have only spoken with this person online, it is likely they are not a U.S. Soldier at all. If this is a suspected imposter social media profile, we urge you to report it to that platform as soon as possible. Please continue reading for more resources and answers to other frequently asked questions: How to report an imposter Facebook profile: Caution-https://www.facebook.com/help/16... < Caution-https://www.facebook.com/help/16... > Answers to frequently asked questions: - Soldiers and their loved ones are not charged money so that the Soldier can go on leave. - Soldiers are not charged money for secure communications or leave. - Soldiers do not need permission to get married. - Soldiers emails are in this format: email@example.com < Caution-mailto: firstname.lastname@example.org > anything ending in .us or .com is not an official email account. - Soldiers have medical insurance, which pays for their medical costs when treated at civilian health care facilities worldwide – family and friends do not need to pay their medical expenses. - Military aircraft are not used to transport Privately Owned Vehicles. - Army financial offices are not used to help Soldiers buy or sell items of any kind. - Soldiers deployed to Combat Zones do not need to solicit money from the public to feed or house themselves or their troops. - Deployed Soldiers do not find large unclaimed sums of money and need your help to get that money out of the country. Anyone who tells you one of the above-listed conditions/circumstances is true is likely posing as a Soldier and trying to steal money from you. We would urge you to immediately cease all contact with this individual. For more information on avoiding online scams and to report this crime, please see the following sites and articles: This article may help clarify some of the tricks social media scammers try to use to take advantage of people: Caution-https://www.army.mil/article/61432/< Caution-https://www.army.mil/article/61432/> CID advises vigilance against 'romance scams,' scammers impersonating Soldiers Caution-https://www.army.mil/article/180749 < Caution-https://www.army.mil/article/180749 > FBI Internet Crime Complaint Center: Caution-http://www.ic3.gov/default.aspx< Caution-http://www.ic3.gov/default.aspx> U.S. Army investigators warn public against romance scams: Caution-https://www.army.mil/article/130...< Caution-https://www.army.mil/article/130...> DOD warns troops, families to be cybercrime smart -Caution-http://www.army.mil/article/1450...< Caution-http://www.army.mil/article/1450...> Use caution with social networking Caution-https://www.army.mil/article/146...< Caution-https://www.army.mil/article/146...> Please see our frequently asked questions section under scams and legal issues. Caution-http://www.army.mil/faq/ < Caution-http://www.army.mil/faq/ > or visit Caution-http://www.cid.army.mil/ < Caution-http://www.cid.army.mil/ >. The challenge with most scams is determining if an individual is a legitimate member of the US Army. Based on the Privacy Act of 1974, we cannot provide this information. If concerned about a scam you may contact the Better Business Bureau (if it involves a solicitation for money), or local law enforcement. If you're involved in a Facebook or dating site scam, you are free to contact us direct; (571) 305-4056. If you have a social security number, you can find information about Soldiers online at Caution-https://www.dmdc.osd.mil/appj/sc... < Caution-https://www.dmdc.osd.mil/appj/sc... > . While this is a free search, it does not help you locate a retiree, but it can tell you if the Soldier is active duty or not. If more information is needed such as current duty station or location, you can contact the Commander Soldier's Records Data Center (SRDC) by phone or mail and they will help you locate individuals on active duty only, not retirees. There is a fee of $3.50 for businesses to use this service. The check or money order must be made out to the U.S. Treasury. It is not refundable. The address is: Commander Soldier's Records Data Center (SRDC) 8899 East 56th Street Indianapolis, IN 46249-5301 Phone: 1-866-771-6357 In addition, it is not possible to remove social networking site profiles without legitimate proof of identity theft or a scam. If you suspect fraud on this site, take a screenshot of any advances for money or impersonations and report the account on the social networking platform immediately. Please submit all information you have on this incident to Caution-www.ic3.gov < Caution-http://www.ic3.gov > (FBI website, Internet Criminal Complaint Center), immediately stop contact with the scammer (you are potentially providing them more information which can be used to scam you), and learn how to protect yourself against these scams at Caution-http://www.ftc.gov < Caution-http://www.ftc.gov > (Federal Trade Commission's website)
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People also ask
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What is a release form in insurance?A release of all claims form releases the responsible party (the other driver who was at fault and his or her insurance company) from any liability and obligation to pay you for the damages associated with the accident. Insurance companies usually ask you to sign the release form before making any payments.
What is a release form in a car accident?A waiver and release form is a document that has the specific purpose of releasing both parties in an accident from legal responsibility. This form is especially important for the party that was at fault when the accident occurred, as once signed by both parties, they are no longer liable for damages or injuries.
Does a bill of sale release liability?Most states recommend that buyers and sellers complete a "bill of sale" along with a "release of liability" form to provide proof of the transfer and to protect the seller from any future tickets, violations or other problems with the vehicle. ... Send in the signed "release of liability" to your state DMV.
Do you have to notify the DMV when you sell your car?In most cases, you must provide a clear title that is signed by the seller. The seller's signature releases his ownership of the vehicle and it can then be transferred to you. In many states, you will be required to pay sales tax on the car before you receive the current registration and, later, the license plates.