Living Happily Ever After
test123

Blog Articles

The Open Book of My Life

Date: April 9, 2012  Author: Andrea Merriman

“We do not need to proselytise either by our speech or by our writing. We can only do so really with our lives. Let our lives be open books for all to study.” (Mahatma Gandhi)

A few weeks ago I had the opportunity to speak to graduate students of Brigham Young University’s business school who were studying fraud and ethics. The professor who invited me asked me to share my story and my thoughts on how fraud happens and how good people can get caught up in it. I’ve written about my experience quite a bit, I’ve spoken about it to various audiences quite a lot, but it was a different experience to ponder what to say when my life was an open book for all to study in an academic setting!

Here are some highlights from what I shared. I began by introducing myself with Part One of the 2010 Colorado 9News story by Cheryl Preheim. Then I said, “Well, there you have it. That’s me. I’m Andrea Merriman and I’m here today to talk about what it’s like after almost 20 years of marriage, four children, and what I thought was a wonderful life of world travel, financial prosperity, community and church service to have my life and my world collapse in one unexpected moment, the result of something I never EVER imagined would be a part of my life: FRAUD.

It was the worst nightmare I could never have imagined, only unfortunately, it was very real and sadly, it was now my life. You could title it:

Hold On—I’ve Never Smoked, Tasted Alcohol, Tried Drugs or Cheated in School, This Can’t Be Happening To Me!

No Way! I’m A Cougar Club Member and Have $10 Million In The Bank, I Can’t Be Penniless

I’ve Never Stolen A Thing In my Life, Not Even A Grape From the Grocery Store Without Paying For It

But the reality is titled more like this:

Think and Grow Rich…With A Ponzi Scheme

How To Win Friends and Influence People…Then Spend The Best Years of Your Life Behind Bars

What To Expect When You’re Expecting…5-7 Years and Get More Than The Max

Gone With The Wind…And The U.S. Marshalls

Crime and Punishment

From BYU to Federal Prison in 16 “Easy” Years

In truth, however, it’s much worse. You lose every material thing in your life, you lose the immaterial things like your good name and reputation, your wife, your children, your family and your friends, and then on top of that, you lose your entire life and your freedom, as well.

So what does all of this have to do with you? You may be sitting comfortably in your seats knowing you’re eagle scouts, you practice your religion, you’re at BYU living the honor code… something like this could never happen to you. Twenty-two years ago, I was just like you.

So how does this happen? How did a decent man fall so far? How did he do what he did to himself, to me, to his children, to his family, and to his victims?

I was interviewed by the MSNBC show, ‘American Greed’ recently and they asked basically the same question: How does a Ponzi scheme take place? How does a person get caught up in fraud that results in crime? How does it happen?

My answer?

One component of fraud is fear—fear of failure, fear of having to tell others you’ve failed, fear of losing your reputation for success by failing at something, fear of loss of job…But I also believe that selfishness, greed and pride are at the heart of it. You can’t commit fraud without them.

I also don’t believe every criminal sets out with the intent to commit a crime. I think there are good people who make a mistake, try to ‘fix it’ and fail and then choose to cover it up as they continue to work to fix it, but it’s too late. The MOMENT you ignore a mistake or attempt to disguise or try to hide even a small error is the moment your fraud begins.

Dieter Uchtdorf taught ‘Small Errors Can Have a Large Impact on Our Lives.’ He related it to airplanes and flight, but I believe it has application in business as well. He said, ‘The difference of a few degrees may seem minor. But even small errors over time can make a dramatic difference.  Suppose you were to take off from an airport at the equator, intending to circumnavigate the globe, but your course was off by just one degree. By the time you returned to the same longitude, how far off course would you be? A few miles? A hundred miles? An error of only one degree would put you almost 500 miles off course. Guard against the many little rationalizations, little white lies, misleading statements that are true but maybe not the whole truth, and courageously stay the ethical course.’

Stay on the straight and narrow path professionally and personally. (By the way, I believe ‘narrow path’ is no exaggeration.) It’s a narrow path, and when you start rationalizing and messing with the boundaries of it, you’re quickly into the gray and questionable area. And when you step off the clearly defined track of righteousness, it’s a very slippery and surprisingly short fall to the mists of darkness and impropriety.

In addition to correcting your course immediately and frequently, keep your heart in the right place. Lock your heart against things with no eternal value. Do whatever you need to do to keep your heart and your priorities in the right place in the workplace and in your professional endeavors. It can be pretty heady to go from college poverty making $4.90/hour (what I made when I was at BYU) to after graduation making $18k/month—I know, because that was my experience; that’s what my former husband made as an investment banker right out of college in the days when he was a law abiding citizen, prior to creating his Ponzi scheme.

Check your greed. Because at some point, close to $20k/month wasn’t enough. He had to have more and more and more until he sold out his wife, his children and his soul for money. Don’t make that mistake.

How do you prevent a fall like the one that destroyed my ex-husband? I think Mosiah (in the Book of Mormon) said it best: “But this much I can tell you, that if ye do not watch yourselves and your thoughts and your words and your deeds and observe the commandments of God and continue in the faith of what ye have heard…even unto the end of your lives, ye must perish. And now, O man, remember and perish not.”

I apologize for the seriousness of my comments today, but I not only feel very strongly about the importance of living a life of integrity, I’ve lived through the nightmare that results when a person fails to do that professionally. So here’s my last bit of advice, courtesy of Benjamin Franklin, before you depart, as many of you graduate and go forth not only to serve but to establish your career, demonstrate to the world of business what you’ve been taught, what Brigham Young University is about and what you stand for:

‘Let no pleasure tempt thee, no profit allure thee, no persuasion move thee, to do anything which thou knowest to be evil; so shalt thou always live jollity; for a good conscience is a continual Christmas.’

Your career and the rest of your life will be what you make of it—make them ethical, keep them fraud free and make sure every workday is, as Benjamin Franklin advised, a continual Christmas through your hard work and ethical business decisions. Thank you for letting me share a little bit of my story with you today. My best wishes and good luck to you all in your futures.”

There was a brief question and answer session afterward. As I drove home after it, I was struck by the thought that again, another unexpected experience has been mine. Had anyone told me in March 2009 when my world ended in a moment that three years later I’d not only be blogging about my unexpected life but also speaking to various groups and organizations about it, including Brigham Young University, I would NEVER have believed them!

Life is great, isn’t it? Hard, but full of amazing experiences. Never forget that wonderful blessings and moments are born of adversity, even from those challenges you can’t comprehend surviving much less enduring. I met some great people that day of my BYU speech—sharp college students with their futures ahead of them, children of friends and blog readers from Colorado, a successful businessman, BYU professor Mark Zimbelman and his cute teenage daughter.

Prior to my speech, the businessman asked me if I was nervous or if it was difficult to speak about my experience. No, it isn’t difficult. But here’s what apparently is: ”There are two things that are more difficult than making an after-dinner speech: climbing a wall which is leaning toward you and kissing a girl who is leaning away from you.” (Winston Churchill)

Blue Train

Date: April 8, 2012  Author: Andrea Merriman

In my old life, world travel was a part of the perks. Once we even rode The Blue Train in South Africa. (The Blue Train is a luxury travel experience, I’ve heard it compared to The Orient Express.) The personal butler was fun, the scenery (like watching ostriches race alongside the train during parts of the journey) is unforgettable. My children loved hanging out at the bar and having friendly bar staff in jungle-themed tuxedos prepare unlimited milkshakes and specialty non-alcoholic drinks. But mostly, The Blue Train is less about the scenery and more about the experience of the train itself. And the more I ponder that travel memory, the more I realize it’s a lot like life.

The book on my nightstand reminded me of that.

“Tucked away in our subconscious is an idyllic vision. We see ourselves on a long trip that spans the continent. We are traveling by train. Out the window, we drink in the passing scene of cars on nearby highways, of children waving at the crossing, of cattle grazing on a distant hillside, of smoke pouring from a power plant, of row upon row of corn and wheat, of flatlands and valleys, of mountains and rolling hillsides, of city skylines and village halls.

But uppermost in our minds is the final destination. On a certain day at a certain hour, we will pull into the station. Bands will be playing and flags waving. Once we get there, so many wonderful dreams will come true, and the pieces of our lives will fit together like a completed jigsaw puzzle. How restlessly we pace the aisles, damning the minute for loitering—waiting, waiting for the station.

‘When we reach the station, that will be it!’ we cry. ‘When I’m 18.’ ‘When I buy a new 450 SL Mercedes-Benz!’ ‘When I put the last kid through college.’ ‘When I get a promotion.’ ‘When I reach the age of retirement I shall live happily ever after!’

Sooner or later we must realize there is no station, no one place to arrive at once and for all. The true joy of life is the trip. The station is only a dream. It constantly outdistances us.

‘Relish the moment’ is a good motto, especially when coupled with Psalm 118:24: ‘This is the day which the Lord hath made; we will rejoice and be glad in it…’

So stop pacing the aisles and counting the miles. Instead, climb more mountains, eat more ice cream, go barefoot more often, swim more rivers, watch more sunsets, laugh more, and cry less. Life must be lived as we go along. The station will come soon enough.”

(Robert J. Hastings, “A Penney’s Worth of Minced Ham: Another Look at the Great Depression,” [Carbondale, Ill.: Southern Illinois University Press, 1986], 90-91)

Celebration of Life

Date: April 7, 2012  Author: Andrea Merriman

One day I found the book, “The Barber’s Shop,” by K. Douglas Bassett (published by Cedar Fort books in 2005) on my nightstand.

In the book the author shared an experience he had getting his hair trimmed by an elderly Utah barber when he was a young married man and father. He shared something special that happened with every hair cut—and it had nothing to do with cutting hair.

“As this old gentlemen trimmed our hair, he would sing the songs of his youth. Occasionally as he would sing, he would weep ever so slightly and sometimes even chuckle but never enough to interrupt his singing. As he sang I thought: ‘When I grow old, I want to feel as deeply about my life as he does about his. I don’t ever want to forget the events that have touched and shaped me. But most of all, I always want to feel a passion toward life that supplies the very kind of depth that gives joy and hope, even admidst adversity and pain.’ I didn’t want to devalue my life with the passing of time by forgetting the intensity of life’s moments. My old barber friend had felt the pain and tragedies of life, which accompany anyone who has lived a long time. Yet, his was not the expression of regret or remorse…but a celebration of life.”

Feel deeply.

Remember the events that shape you.

And celebrate all of it.

“The more you praise and celebrate your life, the more there is in life to celebrate.” Oprah Winfrey

My Librarian

Date: April 6, 2012  Author: Andrea Merriman

“A good book should leave you… slightly exhausted at the end.  You live several lives while reading it.” (William Styron)

My husband does many thoughtful things, many small acts of service for me, every day. For example, he keeps me supplied with books. He knows I like to read (and I do read quite a lot, especially considering that I work full-time) so he goes to the effort to stop by to the public library, looks for books he thinks I’ll like, picks them up for me and places them on my nightstand for me to read. Even nicer? He keeps track of the due date and makes sure he gets them back on time, too! I guess you could say he is my personal librarian and literary valet service in addition to many other wonderful things.

Thanks to his efforts, I’ve read things I probably would otherwise never have read—like his favorite author and his favorite book (from Spain, by the way.) I’ve read some books I have absolutely loved and have almost gotten lost in. I’ve read some books I finished out of sheer dedication to finishing a task, like slowly working my way through a very long history of John Adams. And I’ve even read some self-help books. (I mentioned wanting to learn more about financial management to see if we could improve our finances in any way, and before I new it, there was a money management book on my nightstand. He’s a wonderful “listener.”)

Recently he picked up a book for me that had two great thoughts about life I wanted to share. After all, “The worth of a book is to be measured by what you can carry away from it.” (James Bryce) So get ready tomorrow for a life perspective gleaned from…a book.

And in the meantime, have you read any good books lately? Has a book ever changed your life or your life perspective? I’d love to hear what you’re reading. I need something good to read. My husband is out of town on an adventure…and the space on my nightstand is empty. Oops!

Knowns and Unknowns

Date: May 17, 2011  Author: Andrea Merriman

“There are known knowns. These are things we know that we know. There are known unknowns. That is to say, there are things that we know we don’t know. But there are also unknown unknowns. There are things we don’t know we don’t know.” (Donald Rumsfeld)

When #5 and I were dating, shortly after he told me how he felt about me, he showed up one night with a book. It was titled something like, “1,000 Questions For Divorced People To Ask Before They Get Married Again.” He told me he thought we’d work our way through the questions in the book that night, and on future dates. That book and the whole idea of it caught me off guard, and while I thumbed through it a little bit as he drove, we didn’t really utilize it for our conversations. In fact, I probably made some jokes about it and assured #5 we didn’t need a book like that. (I mean, I interview people for a living!) And eventually, over the course of our unexpectedly long engagement, I forgot about it.

Then it came time to marry. One night I looked at him and exclaimed, “Wait! Where’s that book? We should read it!”

“What book?” he asked.

“The one about everything we need to know, and ask, before we get married,” I answered.

“I got rid of it,” he replied.

“WHAT?” I asked. “Why did you do that? We didn’t even read it.”

“You told me we didn’t need it,” he answered. “So I got rid of it.”

I took a leap of faith…and married him without the aid of that book. Everything went quite well until last week,  when I went to a bridal shower to honor the fiancee of #5′s oldest son.

During the event, they played a game where the fiancee had to answer a long list of questions about her intended. If she didn’t know the answer to a question, she had to chew a piece of bubblegum–adding a new piece to the blob that was accumulating in her mouth for each wrong answer or any answer she didn’t know. And although she ended up with a mouth full of bubblegum, she knew a LOT about #5′s son! I sat there marveling at all she knew about the man she was marrying and I came to a realization: I didn’t know #5–AT ALL.

Honeymoon over.

When I got home, #5 asked me how the evening went. I replied, “Fine, but it made me realize something.”

“What’s that?” he  asked.

“That I don’t know you–at all!” I answered. “I feel like I don’t know you at all and I’m trying to remember what we talked about the whole time we dated and were engaged, since there is so much about you I don’t know!”

“Like what?” he challenged.

I began to rattle off questions from the bridal shower I didn’t know:  favorite actor, favorite play, favorite song, favorite color, first girlfriend, first kiss and many other facts. I wanted #5′s answers; I’m married to him, I probably ought to know him!

That quest, however, brought me to additional realizations, like the realization that there is a reason I don’t know #5. To every answer except the favorite movie  one (his favorite movie is the original “Parent Trap–” he had a mad crush on Haley Mills, I think!) he either didn’t have a favorite or he needed more clarification: did I mean his first girlfriend (from 1st grade), his first REAL girlfriend, or his first girlfriend after his divorce? If experts say intelligent people tend to over-analyze questions and situations, I guess you could say the biggest thing I learned that night was the extent of #5′s intelligence; he is even more intelligent than I had originally thought! He asked for so much clarification I gave up and asked him an easy question I knew he’d know the answer to.

“Never mind, just tell me, where was our first kiss?”

Without missing a beat and without absolutely any hesitation he quickly answered, “At my house, by the door leading to the garage…” and he went on to describe everything in great detail. There was just one problem. That wasn’t OUR first kiss. THAT I knew.

“Must have been someone else,” I joked.

“It isn’t what we don’t know that gives us trouble, it’s what we know that ain’t so.” (Will Rogers)

Apparently, I’m not the only one who doesn’t KNOW things!

Second marriage moment #10. That instant where I realized, again, that I was so happily married to a man I love despite the fact I don’t even “know” him! (Or at least, trivial details about him.) And that’s ok, because as Katharine Hepburn said, “Someone asked someone who was about my age, ‘How are you?’ The answer was, ‘Fine. If you don’t ask for details.’”


I Didn’t Even Plan It

Date: February 5, 2011  Author: Andrea Merriman

The auction of many of the possessions from my former life took place one week ago.

Thank goodness ”We are not the sum of our possessions” (George H.W. Bush) or I’d be a pretty empty equation. Because the sum of my possessions is quite limited these days–thanks to the crimes and Ponzi scheme perpetrated by my former spouse.

After he revealed his crimes, federal authorities seized everything of value that could be sold, the proceeds going to pay back victims who invested their money under the guise of his investment company, Market Street Advisors. I hope it was successful and that every investor/victim receives compensation and restitution.

As for me, I have my jewels (my children.) My treasures (their artwork and handmade gifts they’ve given me over the years; family photos; and the like.) And a few things handed down to me from my ancestors–dresses from my mother, grandmothers and a great-grandmother; costume jewelry from my mother and grandmothers; a book about Paris from my grandpa; a table and chairs from a grandmother; a white trunk that traveled from England and carted the entirety of my great-great grandmother, Mary Ann Quinn’s, worldly possessions to Utah in the 1800s; and various family stories, all of which I appreciate because “Family stories make the most valuable heirlooms.” (Unknown)

In case anyone is wondering how I ended up with ANYTHING, you’re not alone. The day my former husband revealed his crimes to me, March 18, 2009, and told me federal authorities had frozen our bank accounts and our assets, that we were losing everything, I envisioned that, literally, to be the case. In my mind I saw giant government semi trucks, with dark tinted windows, pulling up to my home and removing everything from it, including my clothes, my shoes, furniture, jewelry, my treasures (like a painting my deceased mother painted), etc… In fact, terrible as this may be, one of the things I did that day before I went to bed to not sleep was go to my closet and remove the tags from a pair of jeans I hadn’t worn yet–hoping that if my jeans couldn’t be returned to the store, maybe the government would let me keep them! (I just knew I’d never have money to make a single purchase again in my entire life.)

But I was wrong. Just one more thing I’ve learned from my unexpected life.

In an asset seizure (resulting from a Ponzi scheme, anyway, I don’t know if all asset seizure are the same or different), they let you keep your clothes and your shoes. They allow you to keep your family heirlooms. They even allowed me to keep a lot of my furniture so I could establish my little family in a home in a new place. They were good to my kids. They let them keep their clothes and shoes, bicycles and even allowed me to keep their outdoor playset–but they took their pedal cars, dirt bikes and ATVs, my 16-year-old’s Mini Cooper and other things that were fun but luxury items, non-essential to basic living needs. So contrary to what I envisioned in those first moments of March 18, 2009, it wasn’t quite as dire as losing every single thing I had ever owned, touched or possessed with nothing but a cardboard box to use for clothing AND shelter. (I was shocked and imagined the worst, that day, what can I say?)

It’s very nice that they do that, that they allowed us to keep the basics we would need to live, but I also learned in 2009 that they actually HAVE to do that. They told me they had to, “there are laws in place to protect the innocent,” although sometimes I felt like somehow those laws weren’t enacted on my behalf because there were MANY things that did not work out for me, truth be told. Color me able to relate to the investment scheme victims in that regard, as well, I guess!

I learned they can’t seize something that wasn’t paid for with “ill gotten gains”–as they referred to everything I owned that had been purchased by Ponzi scheme proceeds. So I got to keep anything not paid for with those funds. Like things purchased prior to the date the Ponzi scheme began.

Edgar Watson Howe said, ”Everyone has something ancestral, even if it is nothing more than a disease.” That’s true even in my case, former family member of a criminal, with most of her possessions tainted by crime. If I had something my parents had given me, that I’d inherited, I got to keep that stuff too.

They let you keep gifts, as long as those gifts weren’t given to you by the criminal (in my case, that meant not only did I lose everything of material value I thought I had but also most of the gifts my husband had given to me over the almost two decades we were married!)

However, when you’ve been married 20 years, and to a man who was perpetrating a Ponzi scheme unbeknownst to you, that doesn’t leave much. Most everything, including money, ends up mingled together–which means you lose it when the Feds swoop in and seize all of the valuable assets. But I did end up with a a few things. In particular, my piano (used, from the 1950s, but a good one) and a violin. (MY violin. I’d had it since 1982 and I had it–through the 2009 drama, media coverage, scrutiny of neighbors and others, the asset seizure, my divorce, my move to Utah, my Utah flood and my new life.)

I had my violin until last week, that is.

It was a nice bit of irony, actually. One of my few material possessions of value, my violin, left my possession the same week everything of value from my former life got auctioned off to the highest bidder. And I didn’t even plan it that way.

“I arise in the morning torn between a desire to improve the world and a desire to enjoy the world. This makes it hard to plan the day.” (E.B. White)

The coincidences in an unexpected life.

You Still Get To Write The Book

Date: April 4, 2010  Author: Andrea Merriman

In the middle of my 2009 nightmare I read an article about Michael J. Fox (the actor diagnosed with Parkinson’s disease in his 30s) titled, “On The Bright Side of Life.”  It inspired me enough that I took the time to write down two key things he said in the interview.

Fox said, “Optimism doesn’t mean you get to skip the bad stuff.  If you’re truly optimistic or have a capacity to hope, it should allow you to look at what’s bad and really get it’s measure, and say, ‘What is the extent of this?’ It’s the courage to look at something and say, ‘However bad this is, it isn’t bad indefinitely.’”

The “bad stuff” comes to everyone.  When it came to me, I found it IS helpful to (try) to look at it with a perspective beyond the moment. In 2009, I wasn’t perfect at that, but I tried.  I tried because I believe if we allow ourselves to “wallow” in the moment we may never leave it, and it may come to define us for the rest of our lives and may literally become all we are.  We have to become more than simply the sum of the “bad stuff.”

Defining moments come to everyone in their unexpected lives.  And if we handle those moments right, what we DO with the moment and its attendant challenges rather than the moment itself, can define us.  We can choose to grow beyond the moment and become better than we would otherwise have been.

Fox also said, “We sometimes see subtractions…I’m not me minus anything. I’m me plus this experience…you still get to write the book.  It’s going to have some chapters you might not have anticipated, but it’s still your story.”

His words hit home with me.

My experience of 2009 wasn’t going to destroy me.  It wasn’t going to be the only aspect to me and of my life forever.  I have a story, and it isn’t only one of ponzi schemes, crime, betrayal, divorce and an unexpected life.  I still get to write the book. Although “The Unexpected Life” has been and continues to be quite a ride and some story–with experiences and chapters I never anticipated, it is mine.  I’m the author. And although the plot has taken some very unexpected twists and turns, and it’s still going, I have faith and am determined to work to ensure there will be a happy ending!