An exteremely ugly red head with horrible acne on both the facial extremeties and other various body parts (no need for details), also has greasy ass hair, and slurs words.
Someone who is spectacular at lying about himself. Will blow some up your ass just so he stays relevant. Doesn't understand the concept of money. Doesn't understand the concept of working for what you want.
A "Rutman" will normally be a person who's first name is Mike or Michael.