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FAQ

If someone asks you if you are carrying concealed, what do you say?
There is something I have learned in my life, I do not have to be truthful to people who have no right to know. I grew up with a step-father who was a criminal and he lied to everyone. I had to lie to protect myself many times, if I had not, I would not be here these 45 years or more later.It depends on who is doing the asking. A law enforcement officer. Yes, would you like to see my CCW? How do you want me to get my wallet with the CCW as it is very close to my weapon? Then I wait for and follow the instructions very carefully while repeating the instructions as I comply. It is for the safety of all.I only had this happen one time and the officer said no problem, I see you are heading down the trail and there has been grizzly bear activity, I wanted to make sure you were sufficiently armed. I suggest you open carry, it will be easier to access your weapon should you need it.I thanked the officer and switched to my open carry holster what was much more comfortable for my 6 mile hike.In most states, no guns allowed signs do not have the force of law except for government buildings. They only thing that the owner or manager can do is ask me to leave and if I do not, then they can call law enforcement to remove me for trespassing. I will be reported to my issuing agency and can have my CCW revoked if I was actually carrying at the time.So, if asked, the answer is no, why would you think I would ever do such a thing? Guns are so scary. I put on my most shocked face and shake my head. Yep, I lied and so what. Ask a stupid question get a stupid answer. Concealed means concealed. I also carry a pocket knife that can be used as a weapon and nobody worries about that. I have used that for self-defense a couple of times. Nobody worries about my fists or feet, I have used those for self-defense before.It is nobody’s business but my own on how I choose to be prepared for self-defense. I am following the law that is why I have the permit.I did once answer that question with do you have a small penis and need a gun to compensate? I notice you have small hands. The response was you do not have to be so rude. I said you started it, I want to talk to your manager. I told the manager how offended I was by the question. Did I look like I was going to rob the place? Was I being singled out because I looked like a criminal? What gives because I certainly do not have to shop here and I will take my money and go else where and you can count and a very bad yelp review and I will tell all of my friends of the poor customer service.The whole time the gun was in the same pocket as my wallet and nobody ever saw it because it was concealed in my shorts that I had purchased because they had oversized pockets to conceal a handgun for warm summer days when I wore t-shirts and shorts. The shorts were designed to prevent printing and I was using a holster than made it appear I had a cell phone.I got an apology and a 25% discount. I walked out with more than I had intended to buy. I still left a bad Yelp review and got more incentives to remove it which I did. Who can pass up a $50 gift certificate.I have learned from experience that if you say none of your business, that is the same as saying yes. You will be treated the same and told to leave because you are now trespassing. This is also the advice of the instructors of two CCW classes I have taken, one was a retired FBI agent.It is also why when filling out the form for my son’s pediatrician and I came to the question are there firearms in the home I answered no rather than yes or no answer. Yes and no answer are taken as yes. Both choices give me the lecture of how bad guns are and that I need to store them outside the home or even consider getting rid of them. It is BS. My son was taught early on, you do not talk about guns or tell anyone about the guns in our house. If asked, we do not have guns, period. It is for safety, it prevents us from being targeted for robberies. It stops friends from asking him to show them the guns when his parents are not around. He avoids peer pressure. The guns are locked away but he does not have to deal with friends telling him how to break into the safe just to see the guns.Our son also did not have the curiosity factor because I taught him how to safely shoot and he was to only shoot with my supervision. If he wanted to shoot, he told me and we planned the next range trip right then. At the range, when he was tired of shooting, we left. Guns were no big deal and he understood why they were not to be talked about outside the home, even to his doctor.I do not even tell my wife when I am carrying. She gets nervous and would give it away. Concealed is concealed and nobody but myself knows. It is great when my wife tells me she is sure I am not carrying and I am. If she cannot detect the gun even when I move it between on and off body as I enter and exit the car, then nobody else is either.Do not ask a stupid question and I will not embarrass you in public with a stupid answer. I will keep a straight face while I show great disgust at the totally inappropriate question you just asked about my manhood and you will be left red faced and trying to find a rock to crawl under. I grew up in a medical family and I am a biologist, nothing fazes me.
How do I recruit prospective customers to shadow as a part of a user-centered design approach?
I've learned many recruiting lessons the hard way. Recruiting can be challenging, but it can also be really interesting. I always find that I learn a lot in the recruiting process. Here are my pointers: Do the recruiting yourself. This gives you bonus research data about your people, and you may learn things you hadn't anticipated that will influence how you conduct the study. It also starts a relationship with people that gets them invested in taking part. It's the start of a conversation with you and your organization. They're more likely to trust your motives and give you a deeper, richer view of their lives. Focus on behavior, not demographics. If you want people to use your tool to do a particular thing, look for people who already do that somehow. For example, if you want people to use your design to store their photos and music and other content, find people who have a lot of that type of content and who are concerned about losing it. If you want people to use your design to generate invoices, find people who are doing that now and observe what they do to generate invoice when they're in the mode of doing it. If you want people to use your design to remember to take their medicines at the right time in the right dosage, find people who have persistent conditions that need medication and who have been diagnosed with the type of condition you want to help them deal with. You'll see that I never once mentioned age, sex, income, location, education level, marital status - or any of those things that marketers go on. Because it doesn't usually matter. What matters for UX design is behavior. Do people do the thing you want to make a design for? Be as generous as you can with incentive/honorarium/compensation. People love gifts. They also love cash. The point is to show your appreciation for their help. They're doing you a huge favor by spending time with you and letting you see their lives. Offer something your kind of people want. Be flexible about days, times, number of hours. If you want to shadow people, you have to do it when they're in the mode of doing the things you want to observe. My experience is that most interesting behavior (unless it is truly work related) doesn't happen between 8am and 5pm Monday through Friday. Get participants to opt in to the study. Sourcing for a field study is one of the most challenging steps to recruiting. A carefully worded ad on Craigslist can attract the right kind of people. Going through community organizations or professional associations can work well. We practice something we call "snowball recruiting." That means putting the word out among friends, family, and colleagues about the type of people you're looking for and what you want to do in the session and asking your close ties to help you find people. Advantage: Participants come lightly pre-screened, so you know they're not nuts. and they're likely to be reliable because someone you  know sent them. Snowball recruiting will also help establish you as legit with potential participants. The reputation management goes both ways. Disadvantage: This approach can take a little longer to generate leads. For a shadowing or field study, it can take 3-4 weeks to get people to come to you, screen them, and then schedule them to do the session you ultimately want to do. You can recruit from Craigslist in a much shorter period, because the response is usually great, depending on the geographic area you're recruiting in. However, there's more filtering and more screening to be done. Remember that every sample has biases. UX research is based on convenience samples rather than random or representative samples. That's fine because you're focusing on behavior and performance rather than generalized opinions and preferences. But the sources do influence the expertise and world view that people have. For example, if you're observing people's behavior around online security and you recruit just from Craigslist, you may find that most of the people who respond are not very concerned with protecting their online accounts. Or you might find the opposite. Be genuinely, authentically interested in the people you want to observe without being creepy. These people are letting you into their lives. So, explain what you do and what you're hoping to learn from the study. Treat them as your partner in answering your research questions. After all, you can't find out what you want to know without them.Follow up. Send a hand-written thank-you note. Yes, this is in addition to the incentive. I've written a lot about recruiting for user research and usability tests. You can see all those articles here: http://usabilitytestinghowto.blo...
What are the most important career certifications and/or designations that you & other centimillionaires or billion dollar money managers that you do and don't know personally have? What were your key career moves that made you successful in finance?
It doesn’t work that way.In an ideal world (or, in fact, the world envisioned by hard core conservatives), everyone would be created equal, everyone would have the same opportunities, and the extent of one’s wealth would be directly correlated to the personal choices one made—including what certifications to get, and how hard to work for how long.But in reality, people are not created equal, nor do they have the same opportunities. As an example, it is well within the range of “normal” to have an IQ of 85.But a person with such an IQ, regardless of how hard they study, how hard they work, or how much effort they put into trying to pass a CFA certification exam, will simply never be able to get or fill a job as a $500k a year financial analyst on Wall Street. Similarly, even someone with an IQ 30 points higher who is born in a favela, receives no schooling past sixth grade, and has no role models or support system, will not realistically be graduating from an Ivy League school and starting in a $100k a year entry level job at Goldman Sachs.But IQ and upbringing are only two out of many, many factors that affect the abilities and opportunities of every person (genetics, environment, training, opportunities, luck, career choices, and of course, hard work, are a few others). Just as only a minuscule percentage of the population would ever be able to swim like Michael Phelps, sing like Luciano Pavarotti or perform magic tricks like Eric Chien, so too is only an equivalently minuscule percentage of the population able to become a “centimillionaire or billion dollar money manager”.Taking a look at the distribution graph below of Household income in the United States one could roughly generalize and say that an “average” American (neither deprived nor privileged) is probably able to control his or her destiny within a range of +/-10% from the median baseline. That is, a lazy couple who choose to not work or try to achieve anything could likely still manage to make $20k each some way, some how. And at the other end, an extraordinarily dedicated, hardworking, self-improving, single person—even one without any particular talents or natural gifts—could very likely work themselves with enough time, enough effort and enough certifications into a $100k job.But realistically, to make it into even the top 10% (over $150K income), let alone the top 5% ($200k) or the top 1% ($422k), requires additional factors outside of one’s personal control. And even being in the top 1% in the US puts you nowhere remotely close to being a centimillionaire or billionaire (the latter would mean you’re in the top 0.00003%),All of this is to say that by the time you’re looking at the top 10% of income or wealth, certifications and/or designations are irrelevant, and I would be surprised if any centimillionaire or billionaire had any such qualifications. Instead, while they almost certainly worked long and hard to amass their wealth, there were unquestionably other factors at play: entrepreneurial ability, intelligence, education, upbringing, inheritance, vision, environment…and perhaps most important at that level, basic luck.The bottom line is that education, certifications, designations and other qualifications are excellent things to have, and will certainly help one move up the career path…but it is also important to have appropriate goals and self-awareness. No billionaire set out to be a billionaire—in all cases that fluke came about as the byproduct of doing something about which they were passionate…that just happened to be something that society values in an economic sense.
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