The Gift Card Scam

Just a quick post about a scam I’ve seen doing the rounds recently.

A scammer will use a swipe credit card to put several hundred pounds onto store gift cards. They will either use stolen or cloned credit cards or open an account and claim the card was used fraudulently. As the transaction has to be verified with a signature they can simply sign any signature – if it doesn’t match the signature on the card then the credit card company will charge back the money.

The beauty of using these cards to put money onto store gift cards is that many stores such as Tesco will allow you to buy anything with the gift cards including high end items such as electronics, alcohol and cigarettes. It is also extremely difficult to close the gift cards since stores don’t keep records of the gift cards they sell.

A Framework For Success – The Millennial Edition

I’m writing this up because I’m fed up.

Fed up of what exactly?

Lost kids, the Millennial generation; the product of our awful society posting on the Internet, looking for the answers to their problem. Their problem is their freedom.

They can’t drive.

They live in a toxic home or in another dire living situation.

They cannot do the things they want to do.

And they come to the Internet hoping for a magic pill to solve their problems.

And yet the answers are simple. But most people have been conditioned in a way that renders them incapable to see the obvious. Some have been instilled with a sense of worthlessness that means even when they do have the answers they cannot take action because they are afraid of failure.

Strap up, this is going to be a long one.

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Freedom of Movement

When I was a younger lad, I lived in the middle of nowhere in rural England. Yes, there were a few cities relatively close by but most people were scattered all over the places. Public transport was a thing of legend. When I turned sixteen, I knew if I wanted to see my friends, hook up with chicks and have a good time I would have to learn to drive.

I realised the first step was to get an income.

I’d started a business but I gave it over to my brothers and it didn’t make that much money anyway so I started a few little online businesses, made bits of money here and there but that didn’t get me very far. So, enlisting my pals we set about running little scams, some of them completely illegal that I won’t go into here. The money was great but sporadic and we ran into trouble constantly. Everybody knew everybody so if you stole from someone you were marked. I decided to step back from that kind of stuff and get myself a job.

Getting a job was fucking hard. Everywhere that employed teenagers had lists of people ready to work for them so if you wanted a job with them you were at the back of a very long queue. In the mean time to alleviate the costs of driving lessons, I decided to use my initiative and borrow the cars of my friends who could drive and my girlfriends car and even my mother’s car so I could get practice. I’m not recommending you do this but it shows you the lengths I would go to in order to get what I wanted. There are ways to achieve things which are out of your comfort zone, you just have to go and do them.

Eventually an opportunity came up with a large local employer for a job with a very nice wage. There was a problem, the company had an aptitude test that was fairly difficult and few people I knew had passed it. So, I found someone who had already done the test who told me exactly what to do and what answers to choose. I got the job. I had two six hour shifts a week and truthfully was a very lazy employee but there was always overtime and shifts on Sunday’s which paid exceptionally well so I was able to put a lot of money into my bank account. While I actually blew a lot of this money I gave some to a family member to keep safe for me. When he passed it all back to me I had enough money for a beater and insurance.

It was then that I decided I had to make the car pay for itself.

My problem, the fact that my friends lived tens of miles apart and the cities nearby weren’t easily reachable became the idea behind my next move. I let everyone know that I was essentially now a taxi service. This rewarded me in many ways. I was making nearly £100 some nights and my beater had good fuel economy so nearly all of that was pure profit for me. As well as that I got to meet plenty of girls I wouldn’t have met otherwise, social proof and access to parties.

I finally had independence.

Sometimes when I was bored and had time to kill, I would literally drive hundreds of miles to go to new places, see old friends; It felt like I could do anything I wanted too. It boosted my self-esteem and my confidence. When I turned nineteen, the fact I had a car allowed me to get a job that paid more than what many university graduates earn. The keys to my car were in essence the keys to my freedom.

I can’t tell you what to do, I can only show you my path and hope that you can take something from it.

A Roof Over Your Head

If you aren’t going to college, joining the military or live in a toxic home environment I don’t actually recommend leaving home as soon as you turn eighteen. There are several reasons and several exceptions to this.

Firstly, living at home means you can stack money you would otherwise burn on rent. I know people who didn’t leave home for a good five years but saved enough for a deposit on a house. I don’t think living at home in your early twenties is ideal or to be strived for but these people will probably never pay rent in their lives.

One of the reasons I don’t advocate leaving home is that if you’re young and living with others it can be a recipe for disaster. I essentially ended up living in a squat for a year and it destroyed me, yes I was stronger as a person for living in that dump but it set me back over a year. That’s a year of my life where I could have been building my life and working on myself gone. Most young people have zero discipline and that is infectious and distracting. If you can live on your own and are capable of looking after yourself then go for it. But the truth is most people can’t. I wish it wasn’t so but most people are incapable of looking after themselves, let alone a house or apartment until they’ve grown up a bit. Blame it on society or the individual but it’s the truth. If you can live alone. It shifts responsibility solely onto you. Being alone for long periods will allow you to build discipline, study, work on yourself and deal with actually being alone, something that again most people seem incapable of doing.

People might say, “but I can’t take girls to my parents”. Listen, you can sneak girls in and out while your parents sleep or when they’re out. You can bang girls in your car or somewhere quiet. If you want the bang, you’ll find a way.

Financial Freedom

I touched on this earlier. When I was trying to get work I was relentless. I estimate that in six months I probably rang, emailed and gave my CV to at least a hundred different businesses. I went out. I got rejected. I handed my CV to people knowing that it would be laughed and scoffed at and ultimately trashed. This is the attitude you need to have not only to get a job but to keep a job and actually succeed in it.

Everybody has skills they can leverage. Everybody has problems that need solving. You need to find your niche.

Increasingly temporary/short term employment is going to be utilised by companies as business and labour demands shift over certain periods. Many people will not take advantage of this. You should. Find companies offering short stints of work. Look online. Many companies advertise in other businesses or on sites like Craigslist or Gumtree.

Once you have the income, then you stack.

Like I said, this article will not solve your problems. Only you can do that. This article highlights the possibilities and allow you to develop your own ideas to solve these problems in your life.

Let me know how this works for you.

As always, peace out.