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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)

The Real Truth

Date: March 12, 2012  Author: Andrea Merriman

“Never go to bed mad.  Stay up and fight.” (Phyllis Diller, Phyllis Diller’s Housekeeping Hints, 1966)

In my mid-20s, I decided to learn to play the harp. I’d already learned to play the violin, piano and guitar during my childhood so I thought the harp would be a piece of cake. I had some extra time on my hands (it was before I became a mother) so I rented a harp, found a teacher and began lessons. Sadly, I only lasted one or two months before I returned the harp and abandoned my desire. I found two things difficult about that quest: 1) that my teacher treated me like a child, marching me to a trash can to deposit my chewing gum prior to the lessons, and 2) it was REALLY hard to be so inept at something as “old” as I was and to discipline myself to start at the beginning of learning something new. (Call me lazy.)

Enter remarriage. Sometimes it reminds me of harp lessons. It can be an adjustment to learn so many new things this “old!” (Mid-40s for me; my husband is 50.) I’m struck by this thought occasionally, particularly when I learn something new about marriage or relationships. I confess I went into marriage thinking I’d been happily married for 20 years, that I knew how to “do” marriage and was pretty decent at it. I must not have anticipated learning new things with my second marriage, I was just looking forward to marrying the man I loved and building a life with him.

Instead, I’ve been shocked at how much I have learned in one short year. I admit not every lesson has been welcome or easy, particularly my biggest one: that participants in strong relationships and happy marriages don’t always see eye to eye or have the same opinion…and that’s ok; it’s ok to agree to disagree on an issue; a difference of opinion doesn’t always mean it’s a fight; conflict (and the resolution of conflict) is acceptable, and even normal, in marriage; and several other realizations along those same lines. I can’t believe I was married for 20 years and never got that.

I saw my friends, family members and other people in healthy relationships and good marriages experience and resolve conflict over and over again. But for some reason, it never gave me pause to wonder why I wasn’t dealing with the same things. The man I was married to would occasionally remark, “Isn’t it great that we don’t have those problems like other couples?” and act like our marriage was better, our relationship was stronger, or that we were more compatible than other couples because of that.

But on this side of it, I see he was WRONG about that and many other things, including his choices to lie, steal, commit fraud and perpetrate a Ponzi scheme for 16 years. I see that his crimes and his lies affected not just his professional life and the lives of his investors, but like an octopus, its nasty and dangerous tentacles infiltrated and wrapped themselves around every aspect of his life, mine and our family, including my marriage as well. That was eye opening. And not very pleasant to discover.

And I never realized it until I remarried, an honest man this time.

During our first year of marriage, we worked through a few differences of opinion. If you asked my husband about them, that’s all that he’d say they were. But each time one arose, I panicked. A part of me felt it had to mean something bad to even experience a difference of opinion. I was so afraid to face conflict, I’d keep quiet and let it fester inside me until I couldn’t take it any more–or until my husband would ask me what was wrong–and then it would finally unleash. And always, not only did I fear conflict thinking it would be the beginning of the end of my new marriage and our relationship, it was always accompanied by that darn throwing up reaction I’ve experienced since beginning my unexpected life.

It shocked me to realize my first marriage didn’t have a lot of differences of opinion I’m sure, not because our marriage was better than any other marriage and not because we were more compatible than other couples, but because one of us wasn’t being honest. After all, how can you have any conflict when one partner is probably just saying what they think the other one wants to hear to keep peace in the marriage and the home? (He had to have done that, I don’t believe you can run a Ponzi scheme AND deal with conflict outside of that, a Ponzi scheme has to be way too much work on its own. Sadly, I now suspect many aspects of my then-marriage were perhaps not as “real” as normal marriages; were not as “perfect” as I thought.)

But I never saw that. I never knew it. I guess the Ponzi scheme wasn’t the only thing I missed during my first marriage.

It has been somewhat difficult to master second marriage moment #31. But I’d say it’s about time I learned it, wouldn’t you? My thanks to my honest, patient and loving husband who has helped me come to the realizations I have finally come to, about differences of opinion in marriage; and who helps me dare to trust a man and a husband time and again, in every way possible.

So here’s the real truth about marriage that everyone but me has probably always known and lived, my knowledge acquired courtesy of my remarriage: conflict IS ok. My husband tells me differences of opinion are healthy and I now believe him. It’s normal for two people, who have lived two different lives and come from two different worlds, to have a few different ideas about things. The issues aren’t that important, it’s the hanging in there and working through them together that is. After all, ”A happy marriage is the union of two good forgivers.” (Ruth Bell Graham)

My Ellis Island

Date: April 26, 2011  Author: Andrea Merriman

“Choose your new name carefully. Practice signing with it. Have a few people close to you call you by that name, and see how you like it. You can change your first name, middle name, last name, or all of the above. Just make sure your new name doesn’t imply “fraudulent intent” or is not in the public interest.” (wikiHow)

I took more time off work and returned to the Social Security Office the very next morning. I thought, since they closed at 4 p.m., that they’d open at 8 a.m. but I was wrong. I waited an hour for the doors to open, took a number (I was first in line and got the first number of the day), and stepped forward to wait my turn.

As I stood there waiting for my number to be called, the only clerk helped someone. Then another person. Then another. I finally stepped forward and asked, “Excuse me, are you calling numbers?”

The clerk looked at me with a blank expression. I explained, “The guard told us to take a number as we walked through the door, you have several signs posted that direct us to take numbers, but I haven’t heard you call any numbers…”

Despite the full waiting room, they hadn’t been calling numbers. But they decided to help me next anyway. I stepped forward, thoroughly prepared for the name change (after all, it was my second attempt to change my name at the Social Security Office; I’d had an additional wait I hadn’t planned on which gave me time to make sure I’d filled everything out correctly) and handed the clerk my paperwork. The paperwork to add “Ramsey” to my name, to make it my new and official last name.

Unfortunately, the clerk had a problem with it. “It’s too long,” she said.

“What?”

She showed me that her computer screen had three boxes: first name, middle name, and last name; with a limited number of characters per box. My proposed name was too long for the Social Security Administration computers! She told me I could have three names. I asked, “Wait a second–what about the famous people and movie stars who name their children 5-6 names? How do they do that, if my 34 letter name is too long?”

She said she didn’t know, but I had these options: my maiden name with the addition of “Ramsey,” “Andrea Merriman Ramsey” (without any part of my middle or maiden names),  ”Andrea Merriman-Ramsey” (but I’d have to sign that long last name every time I signed my name, not to mention it would give me a last name different than my children AND my husband!), Andrea L.C. Merriman Ramsey,” “Andrea L.C.M. Ramsey,” and a few other options. I stood at the counter, suddenly unprepared, facing a huge decision that was going to follow me every day of my life, and feeling pressure to hurry because I had to get to work and I knew other people in the room were waiting!

It was my own, personal Ellis Island.

But there wasn’t time to choose my name carefully because I had already carefully chosen my name and it had been rejected by the government, I had to get to work and people were waiting for me to make a decision and complete my business. I never thought to practice signing it. And at that point in my life, I was being called by pretty much anything and everything–no one was sure what I was going to go by. In fact, one Sunday the program at church one listed me by one name in one spot and a different name in a different spot!

Basically, it came down to the fact that I could use my maiden name (the name my church records used and the name of my parents, my ancestors and my heritage) or Merriman (the name of the man I wasn’t married to anymore.) In that moment, that spur of the moment, I chose my heritage. Merriman was gone.

Second marriage moment #6.

“I know who I WAS when I got up this morning, but I think I must have changed several times since then.” (Lewis Carroll, Alice In Wonderland)

Junk Vs. Joan

Date: January 21, 2011  Author: Andrea Merriman

“Buy, buy, says the sign in the shop window; Why, why, says the junk in the yard.” (Paul McCartney)

My life, my focus, has never been about “things.” In fact, if I’ve ever been consumed by a quest to acquire anything, it’s memories. Making good memories with my loved ones. Because I’ve never believed you can take “it” with you. I believe the only thing I’ll leave this life with is my spirit–some would call it my soul, my memories, my intelligence, the things I have learned and the knowledge I’ve acquired.

However, I was married to a man who looked at “things” differently than I did. He talked all the right talk, of course. He would nod his head and look sorrowful (I thought, in agreement with me) when we’d talk about how sad it was that some people chose to sell their soul for things. He was generous with his means (although now I know he was generous with what was never actually his.) And he acquired a lot of “stuff” in the process, though I never actually knew exactly what, or how much, because he stored it all in the building behind our home, where his “office” was, and I rarely went back there. It was his “manspace;” really cluttered and filled with all manner of junk and disorganized chaos, not the way I lived or operated, so I stayed out of it!

When my unexpected life began, there were things that needed serious purging. Namely, contents of a household that was downsizing. As featured on news reports about the Ponzi scheme my former husband perpetrated, I had ties to some material things. (I don’t know if those broadcasts are still around, but feel free to check them out if you’re curious: watch the motor home driving away towing the boat; see the “mansion” nestled in the trees; hear about the cabin in Idaho and the fine art; learn about the trailer loads of “things” that were hauled away over several days when the asset seizure began.)

In criminal/fraud situations, the government seizes everything of value from the criminal (my former husband) so victims can receive some compensation for their losses, which is all as it should be. The hard part, however, is what to do with everything that has no value. Everything the government doesn’t want.

Like the 9 crockpots–four from my home and four  my cabin (we frequently hosted large group gatherings) and one from the motorhome.

A yard sale wasn’t an option. I had seen my home and property featured on the news enough; my neighbors were stalking us with cameras as my children and I came and went, when we were outside, if we left the garage door open, and through the un-curtained windows of our home. Our neighbors gathered in front of our home to talk and trade notes of what was going on, what they had seen or heard, and they sometimes made it difficult to get to my home if they weren’t in the mood to allow anyone to pass their human barricade.

Case in point. One day a pastor attempted to go to our home to retrieve a set of scriptures from inside. Our neighbors were standing in the cul-de-sac we lived on, our driveway and all around the property and refused to let the pastor through. He explained who he was and the one simple thing he wanted from the house but they wouldn’t let him pass. Their crowd mentality, their hostily and venom, made him apprehensive so he called another neighbor, a mutual friend of his and the neighborhood crowd, and asked that friend to vouch for him so the neighbors would let him pass. The friend refused.

Those were crazy times, but a reason why a yard sale wasn’t an option–I didn’t think neighbors would allow anyone to participate in a yard sale at my home, IF anyone even tried to show up or buy anything!

So the crockpots met me in Utah and now sit on a shelf in my garage awaiting the someday I host a large group gathering again (if that day ever comes) or, alas, finally part with them in a yard sale!

Junk, leftover from my previous life, taking up space in my unexpected new one.

I’m hoping it’s true that, “Junk is the ideal product… the ultimate merchandise. No sales talk necessary. The client will crawl through a sewer and beg to buy.” (William S. Burroughs) Someday.

Or maybe I’ll become an inventor. “To invent, you need a good imagination and a pile of junk.” (Thomas A. Edison) If that’s the case, I may qualify for a patent yet.

Regardless, I try not to worry about it too much. (A key to living an unexpected life: don’t worry, be happy.) Because, “You sometimes see a woman who would have made a Joan of Arc in another century and climate, threshing herself to pieces over all the mean worry of housekeeping.” (Rudyard Kipling)

Junk vs. Joan.

I’m going with Joan.

It’s Time

Date: September 14, 2010  Author: Andrea Merriman

It’s time. The two words Bachelor #5 (and many of the rest of you) have been waiting to hear. So today, I write them. But not about what you may think. (Sorry!)

The “chick flick” portion of my unexpected life has come to a screeching halt this day. I now put my story on hold because it IS time…for something else. It’s time for the sentencing of my former spouse.

September 14, 2010.

Just four days short of 18 months since the day my unexpected life began due to the revelation of His fraudulent business dealings, Ponzi scheme and crimes. On that day He revealed everything to me, March 18, 2009, and told me He had already turned himself in to the government and our church authorities and that He anticipated being charged for what He had done within 7-10 days, and taken into custody to begin serving a prison sentence less than 30 days from that day. But things never seem to happen how you plan or expect them to, especially in crime. Especially in life.

Instead, He was free to “come and go” (which drove the neighbor victims crazy, but what can I say? There is a lot to not understand about crime, other than it is wrong!) and take care of what He could, wrapping up the details of His former life for several months as He prepared for a new one: prison inmate.

In the meantime, the divorce I filed for became final and my children and I moved to Utah and began living our new life.

Late August 2009 He was taken into custody to await His sentencing and has been residing in Jefferson County Jail in Golden, CO, for over one year. And unexpectedly, it is suddenly, finally, here.

He doesn’t know the time of the sentencing hearing. He anticipates He will be awakened at 3 a.m. and taken to a holding cell by 3:15 a.m. to await transportation to His hearing. He will spend time in the holding cell with many other men who have broken the law, all confined in one little space, waiting to be shackled and transported to the courtrooms in which judges will decide how long the next phase of their lives, incarceration, will be.

I can’t imagine being in a place like that, surrounded by people who have done all manner of reprehensible things. I am actually terrified at the thought, so when He called me collect for one final conversation prior to the sentencing I asked Him, “What will you do while you wait in the holding cell? Do you keep your head down and try not to draw attention to yourself?” (It was my best guess, based on the Hollywood movies and t.v. shows I’ve seen.)

He said, “No, I’ll probably try to get some sleep.”

He offered one last apology regarding the choices He made and the things He did with His life which thrust my children and I into consequences and a life we did nothing to earn. It was one last opportunity for Him to express His sorrow and remorse for His choices and He reiterated to me, again, His desire and willingness to do anything He could to help me and to do what is best for our children, whatever I feel that may be. And as usual, I have no response to that. I honestly don’t know what is best.

I’m just Andrea from Colorado, who never bargained for any part of my unexpected life. I never imagined a situation like the one that has become mine. I simply seek inspiration at every turn, guidance to know what to do, and attempt to remain patient and take the high road at every opportunity, hoping and praying I’ll be blessed as to how to best help my children when they, and I, need it most.

Life truly brings unexpected experiences. I certainly never expected having a conversation like that with anyone. And I never expected my former husband, who always had to have just the right mattress and the perfect pillow, on the highest quality of sheets, in a perfectly dark, cool and quiet environment to even begin thinking about going to sleep for the 20 years I knew him…to sleep in a holding cell, surrounded by criminals, while awaiting transportation to His sentencing.

After the hearing, He will return to a holding cell, waiting to be shackled and transported back to the jail until He is transported to the facility in which He will serve the remainder of his sentence.

Meanwhile, my children will go to school in Utah this day and try to focus on their school work rather than worry or wonder about what is taking place in a courtroom in Denver, CO. And I will be at work, attempting to focus on my projects and deadlines, preparing myself to help my children accept and adjust to the outcome when I get home.

The media once reported the maximum sentence for His crimes was 20 years. I’ve heard people speculate He’ll receive a 10-12 year sentence. Others anticipate 5 years. So we wait for word of the duration of His sentence, although at this point, no one knows what it will be.

A few of my children keep asking, “How long will He serve?” (I can’t comprehend being a child and having to ask a question like that.) And what do I say–20 years, so that anything less will seem “short” and be a relief? Or do I minimize it and risk devastating them should the outcome be longer than my guess? And it’s all a total guess for my part,because I am not His wife nor am I considered by the government or anyone else to be a “victim,” so I receive no word of communication from anyone regarding any part of His case.)

All I can do is tell my children the truth. I honestly don’t know. I only know this: “If you get up one more time than you fall, you will make it through,” (Chinese Proverb) the unexpected events that comprise Life.