The People In Society That Look So Normal, Are Often The Real Freaks.

People seem to have a tendency these days, to be dazzled by the sleek cars, nice houses, sharp clothing, and fancy jewelry the wealthy amongst us might own. Most people who also want these things, may decide to replicate the wealthy people’s actions, in the hope it brings them the same riches.

Have you ever had a notice though that most of the really strange news stories are about people that actually have wealth? Oh sure there are lot of videos of long haired idiots getting injured after saying things like “Hey, watch this!”, but the really demented stuff always seems to come from the types of people that seem to have it all financially together, and look to be “normal”.

I would like to bring your attention to this video below, where you can see that the normal looking, tea drinking granny is not so normal after all, and the youth that look like a bunch of trouble makers are actually the victims of her twisted imagination.

Reverse Millionaire

As I continue to save some of the little money I earn, in the hope of one day becoming a millionaire, I would like to share with you another concept of financial wealth most people have never heard of before, the reverse millionaire.

I had a work mate introduce me to this idea almost a decade ago, he said:

When I die, I hope I owe a million dollars to the bank, because then I will know that I had spent all my money, and had also spent another million dollars along the way.”

What an interesting concept, Here I am approaching middle age, and I don’t know yet if I have even made a million dollars in my life, certainly not after tax.

Having thought about this a bit, I realized the concept of becoming a reverse millionaire is actually easier than you may think.

 

How To Become A Reverse Millionaire:
(Do Not Try This At Home)

 

Step #1 – Borrow a Million Dollars

Option 1 – The Sneaky Borrow

You would need to get a job, preferable a good one, all the while using several credit cards wisely by always paying off the debt. Your responsible use will cause the credit card companies to continually up the credit limits on the cards as you prove yourself to be an upstanding customer. You will find it is not actually that difficult to get the credit limit of a credit card up over $20,000, and with hard work and savings, you could quite possible get them as high as $50,000 – $100,000 each. You should also get lines of credit, and multiple bank accounts with overdrafts at as many banks as possible.

Several high limit credit cards from several banks, as well as your lines of credit and bank accounts overdrafts all cashed out on a single day, could quite easily, and quickly get you the million dollars in cash you are looking for.

Legality = Questionable

I wonder if this is legal. If it is, and too many people try it I am sure there would soon be some sort of “Reverse Millionaire Law”, maybe you could get away with it, but you might want to consult a lawyer first.

Option 2 – The Hard Work And Saving Method

This is the way your parents and school teachers probably told you was the way to get rich, and in the end would lead to the biggest pile of cash.

Go to College, get a steady job, work hard, invest wisely, and save enough money that the bank doesn’t mind you borrowing another million dollars.

Legality = Legal

This will probably never happen to me, though I have gone to college, and do save, but the getting a steady job part unfortunately is my fall down. I just can’t stand “Working for the Man” more than a few years in a row.

Option 3 – The High Interest Method
Reverse Millionaire Compound Interest Graph

Rather than doing the hard work yourself, you can simply let the magic of compound interest do the work for you, by my calculations if you can get enough credit at the age of 25 to borrow just $6,500 at your average credit card rate of 20.5%, with no additional work needed, you will become a reverse millionaire by the age of 50.

Legality = Legal

Hmmmm, I don’t think this was exactly what my work friend meant by this. I think what he was talking about was actually spending an additional million dollars before he died, this is more about the man sticking it to you rather than you “sticking it to the man”. Though definitely not the method of choice, it is something to consider.

Step #2  – Going Beyond Broke

Assuming you did not pick Option #3 above, you now have one million dollars of the banks money, as well as a bunch of your own, this does not yet make you a Reverse Millionaire. To become a true Reverse Millionaire, you must liquidate any assets you have, and spend all of it before the bank takes it away from you.

For myself I am pretty sure I would want to get out of whatever country I did this in as fast as possible, so I would probably spend a large chunk of money initially on something like a yacht, to carry myself, my money and possible a couple of supermodels somewhere beyond the banks reach. The yacht would then be liquidated as quickly as possible into cash or crypto, before the bank put a lien on it. I could then commence my decade or so of endless partying somewhere in the tropics until finally becoming a Reverse Millionaire.

Reverse-Millionaire-Success

It’s None Of Your Business What Other People Think Of You

Almost two decades ago, while I was traveling around Vietnam,   I came across this phrase in a book I was reading,  “It’s none of your business what anybody thinks of you”. After contemplating the phrase for quite some time, I ended up adopted it into my life, and through it I have made quite a few very positive changes. On occasion I have advised others of its wisdom, and  usually have been met with arguments rather than acceptance. I am told with great certainty that I must care about what others think of me, but how can I explain to the majority that this is untrue? This is just the way most people think, but definitely not the best way to live your life.

Now don’t go and read this wrong or something and think that I don’t care about others, this is not true at all, I care deeply about many people,  and even mankind in general, I just don’t care what their opinions of me are.  In the immortal words of Popeye, “I am what I am”

Popeye, He Is What He Is

He Is What He Is, And That’s All That He Is

When I was younger I was always looking to others for the definition of cool, I wanted to wear the same types of jeans, shoes, and sunglasses as them, I only wore the clothing with the “cool” brand names, used to get my hair cut by the  same people who cut all the other cool kids hair, exaggerated a story now and then, smoked a couple of cigarettes, and even used to do incredibly stupid things such as carry my brand name backpack only on my right shoulder and not two shoulders every day, just because that was the “cool” way to do it.

The most damaging part of this “quest for cool” comes when we turn into adults however, and start using credit cards. So many people seem to go into debt these days, just to try and seem like a winner, many of these people buy nothing but overpriced clothing, the latest phones, and often buy a very expensive car or house they can not afford. Some people end up going so deep into debt, that they become stressed out wrecks, which is felt by all those around them, they often become bitter individuals people try and avoid. In fact, they eventualy become the very definition of “not cool”.

Some people try to use lies to try and impress others, the history they give you is a sham, they are nothing but regular people pretending to be better than they are, and striving to appear better than you. The fiction these competitors of life tell the world, if they are believed, raises the apparent bar of success for everyone around them, assuming those people also subscribe to the belief that they need to impress others.

Some of the real jerks will try and pull other people a step or two down on their imagined competitive ladder, to place themselves on top, where they feel they need to be. In their minds they are the winner, but no so much in the minds of those around, who usually choose not to speak up, afraid they themselves might end up on the verbal chopping block.

The most insecure of all may use all of these methods to try and “Win”.

I know this may be surprising to some, but how cool you are is actually about how relaxed and in control you are of the various situations in your life, not the logo on your shirt, or the lies you weave.

The easiest way to be cool is just to save your money, don’t tell stories you think people want to hear, don’t be bad to others, and express your opinions. Even if your opinions are not popular ones, people tend to prefer being with interesting people that have actual beliefs rather the common, stressed out walking billboard type of competitive “Yes Men” that are trying so hard to fit in.

Bling Boys

We Cool, Cuz We Got The Logos and the Bling

I do agree there actually are some pretty good reasons to occasionally care about what some others think about you, for instance, forgetting your manners might cause some people to try and punch you in the nose. Also its very hard to get a promotion at work, or a new life partner if you are not willing to put on a nice outfit and comb your hair, but most of the time, why would  you care about what others think?

Some people even care about the opinions of strangers, you must admit its a little nuts to care about people who don’t even know your name, right? I mean you probably will never see them again anyhow, so what is the point in impressing them?

Although your true friends will always be your friends regardless of your apparent stature, you should not become too strange, your friends will likely still care what others think, and if you start wearing shirts made from newspapers, and pants made from garbage bags, they might be a bit shy to be seen with you in public. This is not an idea to take to the extreme, but thinking this way to a large degree can be very beneficial to your life.

It’s None Of Your Business What Other People Think Of You

I Am Very Disappointed In You

I have been saying for well over a year how great my customers are, I have had some nice e-mails and calls just to say how happy they are. In my many years of dealing with customers I have never such a good group to deal with.

Recently we had a not so good customer though, I know I am not supposed to talk badly about customers, but I want to, so I guess I will.

This guy sent us a e-mail to let us know he had not received his package yet, it was very late, it had been 25 days since we shipped it, and we had paid for the 10 day service.

Since we are aware that United States Postal Service has been really slow at delivering lately, and have also been updating their tracking system on the Internet slowly, I filed in a few forms, made some phone calls, and sent some faxes to find out where this package was. We have never lost a package so we don’t really think it could be completely lost.

Meanwhile this guy keeps e-mailing us, and mentions at one point he does not want to sign for the package when it gets there, he soon starts demanding an immediate refund, and all sorts of other things on almost an hourly basis.

In one of his e-mails he said to me, “I am very disappointed”

I held off on the refund, and waited for the investigation to finish, we are already into this shirt for almost $17 or so with purchasing, packing and shipping.

After a few days I get a phone call that the postal  investigation was finished, and this guy already had his shirt. What a dickhead, not only was he trying to scam us but he bothers to make it personal by saying he is disappointed in us.

So I would just like to say to this loser who tries to steal $20 items on the Internet:

Your the kind of scum we not only don’t want as a customer, but are sad that you even exist on this earth.

We here, are all very disappointed in you!

Man Won’t Hug Tree Shirt

Man won't hug tree shirt

Awww come on man the tree just wants a hug – Click Image $19.99 USD

Trees are stupid, sticky, and smelly, they break the roads and sidewalks, and drop little pieces of themselves all over my house and car. I hate trees.

Oh I know the birds  like them, but who needs bird  poop on their cars, one time I had a bird poop on my head from a tree, and I didn’t like that either, if the tree wasn’t there than there would have been no bird poop on my head that day. Stupid birds in stupid trees, waking me up in the morning and pooping. If birds were civilized they would use the tree to wipe their bottoms like humans do.

I really like to cut down trees and burn them, the food I cook on the fire tastes especially good because I know it was cooked with tree.

At my work I help turn trees into  business reports, which we file away and never read again. This is what trees are for.

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