Categories
Economy Frugality

The Story of Bill

Bill is an American success story. He dropped out of college to follow his dream of making windows – and he hit it big. Bill is one of the people we look up to when we decide that we want to pursue our dreams. I used to be one of those people.

On the outside, Bill appears to be a saint because after he managed to convince everyone to install his windows in their homes and their offices, he used some of his money to improve his self image. He opened a charitable organization or two, convinced others to toss a few pennies of their wealth into the pot, and started doing good deeds, making sure that they were publicized so the whole world would see how wonderful Bill and his friends were.

What Bill didn’t reveal was the fact that he was actually playing a shell game. While our eyes were watching his charitable organization, him and his cronies were buying our governmental leaders in the background. They spent so much money buying our government that they decided that they didn’t want to buy our government and pay taxes too. Bill traveled to Puerto Rico, arranged to pay almost nothing in taxes (it wouldn’t look right if he got off paying nothing, he realized), and then “sold” the rights to some of some of his most profitable products to a tiny little company he created there.

It was the equivalent of selling a $100,000 home to your brother for five bucks, only in this case, Bill used the legal system to turn a portion of his money into the brother. Corporations are almost considered to be “people” in our legal code, so he essentially cloned himself, made the clone a resident of Puerto Rico, and transerred the rights to his most profitable products to this clone at a laughable price to avoid paying taxes in the US.

Bill did this because there is one organization in the US government that doesn’t contain elected officials he can buy: the IRS.

The IRS doesn’t discrimate. It is filled with low-paid employees who have one mission: ensure that everyone pays their fair share in taxes, if not a bit more.

The good people at the IRS watched Bill and his cronies pull stunts like this for years. They had been the ones getting yelled at when people noticed that Bill and his friends weren’t paying their fair share. They took it and took it until they got fed up and decided to fight back.

They not only decided to do a full audit on Bill, they called in the biggest legal guns they could to fight back.

“The nerve of these bastards,” Bill ranted when he received the audit notice. “Don’t they realize that I OWN them? I think it’s time they found out who their boss really is!”

Bill called up his cronies. His cronies called their friends. As one they hired attorneys and jumped into the fray. One by one they called the politicians they paid off, forcing politicians on both sides of the political fence to attack the IRS and start shoving new laws through the pipe to not only make the IRS stop, but to pass laws that prevented the IRS from trying to make them pay their fair share in taxes ever again. They also decided to punish the IRS for stepping out of line. Budget cut after budget cut caused the little agency that could to stop challenging Bill and his cronies whenever possible.

~

While the words I have written here are fiction, simplified for understanding and dramatized for effect, these words are roughly based upon a true story. This is the story of how the rich are using our money to manipulate our nation in their favor. This story is about one aspect, about how Bill and his friends manage to bully our government to get out of paying taxes, but they also use these same tactics to make our national leaders dance like puppets on a string.

Check into the donation records of every single politican in Washingington, and you will find evidence of how they buy our nation’s officials. Bill and his cronies make large donations to campaigns, knowing that these politicians will repay the favor whenever Bill and his buddies pick up the phone.

It doesn’t even stop in Washington. Up and down the political chain, from the smallest town to our national government, Bill and his friends are doing this. If you’ve ever looked at your mayor or sheriff and wondered how they managed to win their office, follow the money and you will find out. They’ve yet to make many of the campaign contributions private so you can still track them to a degree.

This is the sad reality of the United States. What was previously considered the “greatest nation in the world” is being turned into a puppet regime.

We can fight, we can scream, we can protest until the end of time and this will not change. The only thing that will happen is that we will be labeled as extremists and hauled off to jail as a terror threat.

But there is one way we can stop them. The method is completely legal, ethical, and non-violent. If we cut off their food supply, if we stop giving them the money that they need to buy our politicians, they will lose their ability to control our country. By removing our money from their pockets, we will cause their businesses to fail.

Even if you buy one less item from them, it helps. Even if you start patronizing one local business instead of the Big Ones, it helps. Even if you just keep the TV you have or the computer you have or the clothes that you have or the phone you have, it helps. Because every single one of these decisions places another nail in their coffin.

Our current business model considers a business to be a failure if it cannot show an increasing profit year after year. Our economic model is based upon exponential growth. Stop that growth, and they die.

If you are tired with the way things are in our nation, if you are tired of the rich growing insanely richer while the rest of us struggle, if you are tired of living in a nation that has turned into a puppet regime, then I hope that you will join us.

Use what you have.
Stop buying new.
Ignore their advertising.
Stop feeding the monsters.

~#~

If you happen to find this post helpful, would you consider sharing it with a friend or on social media?  Thanks!


I’ve written a lot of books sharing my odd view of life in hopes of helping others. My most notorious book is titled The Shoestring Girl: How I Live on Practically Nothing and You Can Too, but The Minimalist Cleaning Method is pretty popular as well. You can find them at the following places:

Amazon
Barnes and Noble
Apple iBooks
Smashwords (non-DRM)

Thank you for your support!

Categories
Economy Finances

The Walmart Monster

“The best slave is a slave that doesn’t know he’s a slave.” – www.zerohedge.com

The human race is the only species on this planet that is forced to pay money for the right to live. In the United States, our parents have to go into debt just to give us life. They sweat and they struggle to support us through our childhood until finally they release us into the world, praying that we can support ourselves.

Things don’t get much better for us once we reach adulthood. For those of us who attend college, hoping that it will give us a chance, we have to shoulder the burden of immense debt for that privilege. When we want to reduce the amount of debt that we incur, we search around us for work, a job that will allow us to pay our bills and eat something more substantial than ramen.

Many of us go hungry and homeless instead.

The story gets darker for those of us who discover that the privilege of higher education is beyond our reach. The story grows especially dark for those of us who start our families while we are young. For want of a single piece of paper, we are relegated to the waste heaps of humanity. We work in restaurants, we toil in factories, we slave away at gas stations and convenience stores.

We pray that we can find someone who can take our children in so that we can work the hours we are forced to work. We pray not to get sick as we beg for help to survive.

But we don’t deserve to survive. We are worthless. We are lazy. We are nothing but the scum of the earth. We deserve to die.

We are told from the moment of birth that we’re not good enough. We need to fix our appearance. We need to wear certain clothes. We need to buy the houses and the cars and the stuff. They tell us that if we work harder; if we get an extra job, if we get the degree–if we put in enough hours and do enough work that we can fix our situations.

But it’s all a lie.

Even if we get that piece of paper, we still won’t be able to make enough. By the time we repay our student loans, there isn’t anything left. And regardless of whether we choose college or not, our fate will be the same. We will work until we break and be discarded.

We are the slaves of the United States of America. We are the ones who have been lied to our whole entire lives. We have been lied to because we are not the ones in control of our nation. Our nation has been bought by the monsters. 

The monsters work hard to disguise this fact. They lurk in the background, paying off our public servants to pass laws that favor them. They barrage us with ads, ads designed to give us hope for the future so that we will continue to fund their excess while we struggle.

They think they are powerful. They believe they are unstoppable. This has gone on for so long that the monsters believe they are god.

I think it’s time we met the monsters. Let’s start with one of the biggest ones, the Walton Family.

Walton Wealth

As you can see from the image, we are giving this monster $70,000 every single minute. We are giving them more each minute than most of us earn in an entire year. In exchange for that money, they sell us cheap crap at slowly inflating prices. They move into our towns, destroy our businesses, and revel at their monopoly.

They pay us workers so little that we have to beg the government to have enough food so we can eat, but that’s still not enough for them. They have begun to eliminate the jobs we are forced to take just to pay our bills. They are so greedy that they suck our nation dry by exploiting loopholes to avoid paying taxes.

They have taken over our towns.
They have corrupted our government.
They are destroying the dairy industry.
And now they are after our children.

What will they go after next?

There is only one we can stop this monster. There is only one way that we can destroy their power. There is only one place we can strike that will hurt them.

That place is in their wallet. We have to starve them out if we want to retake our nation.

Stop giving them money.
Stop shopping at their stores.
Stop feeding the monsters.


It is hypocritical to run a website about buying and living on less while begging your readers to buy your crap so I refuse to do it. That said, I live on the money I receive from book sales, so if you can find it in your heart to pitch in I would be immensely grateful.

I’ve written a lot of books sharing my odd view of life in hopes of helping others. My most notorious book is titled The Shoestring Girl: How I Live on Practically Nothing and You Can Too, but The Minimalist Cleaning Method is pretty popular as well. You can find them at the following places:

Amazon
Barnes and Noble
Apple iBooks
Smashwords (non-DRM)

Thank you for your support!

Categories
Business Finances

How to Annoy Your Credit Card Company

It is becoming more difficult to live without a credit card in this world. You need credit cards to make online payments since more and more companies are moving exclusively online. Brick and mortar stores are beginning to refuse cash transactions now. I suspect that this trend will continue.

While you can use the debit card provided at most banks in lieu of a credit card, this carries risks. If your card is cloned by a skimmer or in any way compromised, you can lose access to your entire bank balance while you get the situation sorted. I learned this the hard way when it happened to me several years ago.

Credit cards can provide a layer of protection from this but the protection comes at a cost for the unwary. Accept the wrong credit card offer and you will find yourself paying outrageous annual fees for the privilege. If you decide to go with a prepaid “credit card,” as in the ones you find at the corner gas station, their transaction fees can be prohibitive.

That said, if you would like to annoy the finance industry while you’re protecting your bank account, a credit card is a wonderful way to do that. All you need to do is pay your balance off in full each and every month before the due date.

You see, credit card companies make their money through annual fees and interest fees. The credit card companies who don’t charge an annual fee rely upon interest fees and late payment fees to make their money. If they can tempt you into carrying a balance every month, these people are very happy campers. In 2016 alone, credit card companies took $63.4 BILLION dollars out of our collective pockets, and they enjoyed hoarding every penny of it.

Just imagine the good that $63.4 BILLION could have done for the poor in our nation alone. That much money could have benefited the poor worldwide, if properly distributed. Yet Richard Fairbank, the CEO of Capital One, a popular credit card company, took home $17,328,902 in 2019. You can look that up. It’s listed in the SEC filing right here.

That one man, Richard Fairbank, is a prime example of how the rich are getting richer off the backs of the rest of us. We slave and we sweat and we struggle while him and people like him sit in cozy air-conditioned offices and laugh.

But there’s a way to strike back at him and the others in the credit card industry. We can use their money for free, and there’s not a thing they can do about it.

Credit card companies hate when people use their money for free. They even have a term for it. People who use the money from credit card companies for free are called “freeloaders” and “deadbeats” by the credit card industry.

It’s easy to do. In fact, I’ve been doing it to get back at them for about a year now.

All you have to do is take out a credit card at one of the no-annual-fee credit companies and pay off your balance in full each and every month. Do not make the minimum payment. They will do their level best to persuade you to make the minimum payment. Pay off the entire balance in full.

It kills the credit card companies when you do this. If you’re smart, you’ll take the money you intend to pay the credit card company off with and stick that money into an interest-bearing account so that you can make a bit of money off of their money each month.

The funny part of this is the fact that the credit card companies cannot penalize you if you do this. When you pay off your credit card balance in full each month, they are actually forced to reward you with a good report on your credit rating.

Please note that if you have trouble paying your bills and with credit in general, you may want to avoid this bit of revenge against the credit card companies. If you cannot resist the temptation to spend more than you can pay off, I urge you to avoid this act of rebellion like the plague. Credit card companies work extremely hard to persuade you to carry a balance for a reason, and they are so good at it that the CEO of Capital One made over $17 million due to their talent.

That said, I enjoy using their money immensely each month. When I work up my budget, I transfer the amount I intend to spend on my credit card into an interest-bearing savings account. By using their money instead of mine, I am able to earn a bit of interest at their expense. It’s not much, but it makes me laugh every time I do it.

This act of revenge allows me to take a bit of money out of the pockets of at least one monster every month. Even better, it allows me to make money at the expense of that very same monster. If you have an issue with the usurious rates and the hidden fees that credit card companies charge, you might want to stage your own little revenge.

How do you fight the monsters? Please share your thoughts in the comments below. I could use some ideas :).


It is hypocritical to run a website about buying and living on less while begging your readers to buy your crap so I refuse to do it. That said, I live on the money I receive from book sales, so if you can find it in your heart to pitch in I would be immensely grateful.

I’ve written a lot of books sharing my odd view of life in hopes of helping others. My most notorious book is titled The Shoestring Girl: How I Live on Practically Nothing and You Can Too, but The Minimalist Cleaning Method is pretty popular as well. You can find them at the following places:

Amazon
Barnes and Noble
Apple iBooks
Smashwords (non-DRM)

Thank you for your support!