What Can Be Done about Killing Sprees?

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There has recently been another mass shooting in America, this time in Umoqua College.

Some say this is a mental health issue. The shooter is a sick man who needs help from a psychologist.

But mass shooting are happening so often that I wonder if the problem really is a mental health issue.

I wouldn’t say it’s a mental health issue. I think we live in such a corrupt and evil world today that it’s reasonable to expect that a significant number of normal people would grow so frustrated with it that they suddenly lash out, and a rifle within arm’s reach doesn’t help either.

There needs to be a way for people who don’t fit in with this corrupt and evil world to be able to distance themselves from the world safely and live their lives independently. Maybe a guaranteed minimum income would help. Under this policy, the government pays everyone a guaranteed minimum wage, say, $10,000 per year.

A person so disillusioned with society can take his or her $10,000 per year from the government and go live in the mountains or the forests or even overseas in, say, Chiang Mai, Thailand. The bottom line is that wage slavery should not be the default. There needs to be an option for individuals to drop out.

If a man does not have a guaranteed minimum income from the government, he has to go to university, go to work, and save up until he has enough money to be able to drop out of society.

Not everyone can live off dividends, especially when they are young and have little wealth. That they are forced to slave away at work just to earn their freedom, in my opinion, is an injustice, a sign that although we have progressed from the whips and chains of slavery in the eighteenth century, slavery has not been abolished but has merely evolved.

Freedom and Being Yourself

I’m still having my moments at work when I feel like everyone there ignores me. But I remind myself that this is not too bad. It is preferable to someone at work bugging me all the time. I also feel as if I am settling at work. There is no sense that I will be promoted. I don’t think I have a reputation for being ambitious. Everyone tells me (including my manager) that I speak slowly and quietly. This communication style is not what is expected from leaders.

There are many ways I can respond to this criticism. I can complain about it, which will get me nowhere, or I can keep trying to work hard and improve myself. Of course I will go with the latter. When I speak to some people, I get the feeling they’re trying to make me feel inadequate because I haven’t earned a certain amount by a certain time. I don’t want to fall into the trap of telling them that I have settled because any confirmation of a lack of ambition will destroy my career, so I tell them I continue to work hard and improve myself. It’s all I can do. I will continue to work hard. Whatever my employer pays me is whatever my employer pays me. I don’t even need much. I’ve been working for about six years. In that time I haven’t gotten married or gotten a mortgage or gotten children. I have negligible debt. I’ve lived with my parents and, as a result, have been saving up about $50k per year. Most of this money is invested in the stock market, which has boomed thanks to central bank expansionary monetary policy. As Mike Cernovich would say, “I have enough. I am enough.” There’s no reason to stress about anything. It doesn’t matter if my employer fires me because I can live off interest and dividends. Cheap accommodation is easy to find on Airbnb, and a vegan diet can be very cheap. Freedom is not expensive. Accommodation costs about $500 a month, and food costs about the same, so $1000 a month is the bare minimum you need to keep yourself alive, and if you assume your investments earn you 5 percent, you’d need $240k to produce that amount, which means you’d need to work for roughly five years assuming you can save $50k per year.

I’ve been talking about the concept of freedom for a while with many people. Yesterday when I had lunch with a friend, he was warning me against posting things on Facebook that may destroy my career. He told me about news articles about employees posting negative things about their employers and then getting fired. I told my friend that I have tried to be careful in the past about making sure others had good opinions about me. I always tried to appease everyone: my friends, my family, and my employer. It was tiring, and because everyone wants different things, you find yourself torn between different views. Now I do what I want and if other people don’t like it then they can get stuffed. My friend seemed to laugh it off.

There is a girl in my life again, and I’ve been chatting on Facebook with her quite a bit lately. I am not afraid to tell her my views on freedom. In fact, she asked me what my ultimate goal was is in life. There is a whole body of literature on the internet about how to get women to like you. It is called “game.” The internet will tell you that if a girl asks you what your goal is in life, she wants to know if you are an alpha male (or a winner as opposed to a loser) so I suppose the best answer is to tell her something that will suggest that you will be a successful man rather than a homeless bum.

The whole “game” literature, in my opinion, is a load of crap. The basic idea behind it is that women want certain things in a man (masculinity, strength, domination, etc) and you need to do everything you can to give this to her. You need to be successful, give her money, give her children, and so forth. To me, this sounds like you are appeasing her. What kind of an alpha male tries so hard to fit into the alpha male stereotype just so he can appease a woman? A real alpha male will do what the wants to do and if a woman doesn’t like it, to hell with her! Too many men out there try too hard to appease women. Just do what you want in life. If a girl comes to come along for the ride, you may, but she doesn’t want to, that’s fine.

I know it’s a cliche, but I do believe that it’s important to be yourself when you are dating. I am a bit of a strange person. People have told me to be careful of what I say because I will scare women off. But what is the alternative? If I lie and hide my true self, eventually she will find out. Isn’t it better to just get everyone out into the open right away? If she is not for you, then so be it. You will meet someone else (or not). But I cannot imagine anything worse than leading a girl on to believing you are someone you are not.

Is Your Primary Residence an Asset? Yes, But…

I was having lunch with a colleague a week ago and he said the following to me: “Your primary residence is not an asset but a liability because you have to continually pay for it. You don’t own your house. The bank owns it.”

This got me thinking because years of education has taught me that a house is an asset since assets are defined as anything that produces value. A house can be rented out to produce rental income. Indeed, it is an asset according to this definition.

But technicalities aside, I do understand what my friend was trying to say. After some googling, I found that this concept derives from the book Rich Dad, Poor Dad in which Robert Kiyosaki explains that a house generates negative cashflow and therefore is a liability for you.

He is wrong. It is not the house that creates the negative cashflow. It is the mortgage. The problem is, for most people, in order to afford a house, they need to accept the mortgage because they simply don’t have enough cash to buy a house outright.

It is this connection that the bank has concocted that fools people. When you buy a house, you get an asset, but it doesn’t end there. Two sets of assets are created. The first asset is the house, which you hold. The second asset is debt, which is held by the bank. Houses tend to go up in value, but not always. House prices tend to move up only slowly and are volatile. The asset the bank holds, on the other hand, is much more valuable. The bank holds debt. It produces income no matter what. Even if you default, the bank simply takes your house. Effectively, when the bank lends you money to buy a house, it is doing two things: (1) directing cashflow from you to itself and (2) transferring risk from itself to you. The cash the bank would have held would have sat in a vault doing nothing but by lending it to you, that cash now generates interest that flows to the bank. Rather than buying real estate itself and suffer from the risk of volatile prices, the bank simply puts that risk on you by lending to you. It gets a steady income while you wear the risk.

I am not against buying a home. What I advise against is the debt. Unfortunately, when most people buy homes, it is connected to debt. It is like coffee. Research shows the antioxidants in coffee prevents prostate cancer in men. But if you put four teaspoons of sugar in your coffee, the sugar will hurt your health. Likewise, even though a house is great for you, the debt that is attached is what will work against you. If you need to buy a home, I recommend you buy a small home to minimise the debt. Otherwise, pay off the debt as quickly as possible. Rent out spare rooms. I have nothing against buying a house as an investment, but it is best to stay out of debt.

The Borrower is Slave to the Lender

I am not religious, but I am definitely not an atheist because I don’t know for sure that a god does not exist. The best word to describe me is agnostic.

I have my doubts about the Bible, but there is no denying that the Bible is an excellent manual for personal finance. If you want advice with money, forget financial advisors. Go to the Bible.

Perhaps the most important biblical financial verse in the Bible is Proverbs 22:7, which states that “the rich rule over the poor, and the borrower is slave to the lender.” This Biblical verse wowed me when I read it as a teenage boy in school. It opened my eyes to the fact that far from being equal, the world we live in today has powerful people and weak people, and coercion and slavery in modern times is carried out not with whips and chains but with debt, fees, penalties, and compounding interest.

The question is, which will you be? Will you be a borrower or lender, a slave or a master?

“Neither a lender nor a borrower be,” says Shakespeare, which is very noble. I personally like to be a master rather than a slave.

Borrowers are pathetic. They go to the bank and beg for money. Then they work nine to five, whoring themselves to the organization in order to earn cash to pay back the banker. These banks make incredible profits from lending. Which would you rather be, the borrower who works like a slave or the bank who owns the slave? I prefer to be the bank, which is why I own bank shares or, even better, bank ETFs.

When I recommend you lend, I don’t recommend you lend money to family and friends. Do not do this! You lend by getting experts to lend for you, that is, put your money into bond funds or, as I said earlier, buy bank ETFs. If you’re new to investing and don’t know what a bond or an ETF is, a savings account is a good start. Banks lend out money in your savings account to others.

What about borrowing to invest? Is that not good debt? The answer is no. There is no such thing as good debt. Debt is debt is slavery. Debt is a legal obligation to pay, which means you must work in order to repay. If you must work against your will, that sounds like slavery to me. Investments in real estate, shares, and even education can be lucrative, and when they pay off, the debt you incurred may in theory be worth it. But these investments are not guaranteed. You are taking a risk. The more you borrow, the bigger the risk is. The bank, who lends you money, takes no risk. The bank collects interest repayment from you regardless, and if you default, they take your house or have some other legal means to collect the debt. All the risk is on you. You might win, you might lose, but the bank always wins.

If you absolutely must borrow (for example, you need a car to drive to work), be careful you don’t get carried away. Make sure the debt is as small as possible and repay it back as quickly as possible. Sacrifice everything (vacation, etc) to get out of debt quickly because your freedom from slavery is at stake.

An alpha male should not go into debt. Debt is for slaves.

The Physical and Economic Aspects of Alpha Maleness

Debt is slavery

What do I mean when I talk about an alpha male? In the animal kingdom, alpha males are those who rise to the top of the hierarchy. They have the power to do what they want. It is about power, but my desire for power is not linked to any desire to hurt others. I simply wish to defend myself. As a beta male, other males put me down and control me. Women disrespect me. I need to correct this. I need to become an alpha male. This will make men fear me and women respect me.

Being an alpha male is not just about swaggering around, swearing, or calling women bitches. There is also an economic aspect as well. An alpha male needs enough money saved up or invested to be free from wage slavery. An alpha male also needs to have his debt under control for the same reason. I’ve seen many beta males out there who have a wife at home, three children, and a massive mortgage, and these people come to work and slave away barely making ends meet. Freedom comes from running surpluses. Freedom comes from making sure what comes in to your bank account is much greater than what goes out. The opposite of this is slavery. Debt is slavery.