» 3 men find themselves at a Beach-side Resort in the Caribbean ..

… and they soon begin to discuss their lives and how they came to be there.
The first man says, “I use to run a successful business in the Mid West. One day unfortunately there was a huge fire and my entire warehouse burned to the ground. I collected the insurance on it and decided to move here.”
The other two nod, slightly sympathetically.
The second man says, “Similar story here. I used to run a jewellery store back in LA, but unfortunately one night there was a massive break in. I collected the insurance that I had on the jewellery and moved down here to settle.”
They look at the third guy. He says, “I used to run a small fishing business on the East Coast. Last year unfortunately the entire thing was ruined by a hurricane. I collected my insurance and moved here.”
The first two guys look at each other for a minute. Finally, one says, “How do you start a hurricane?”.