Living Happily Ever After
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Danger

Date: September 28, 2012  Author: Andrea Merriman

“You can’t talk of the dangers of snake poisoning and not mention snakes.” (C. Everett Koop)

I learned something else from the MSNBC episode of “American Greed” that featured the crimes of Shawn Merriman: there is danger associated with crime. Real danger. I see that now, thanks to the show that aired June 20, 2012. But back then, living the nightmare, I scoffed at the very thought of it.

From the moment my former husband revealed his crimes to me and to his victims (those who thought they were “investing” with him) authorities checked with me often regarding my safety and the safety of my children. They encouraged me to find some place else to go, to exist in (I can’t use the word “live” because we really weren’t “living” in those terrible months we were simply trying to survive them) in the months it took to investigate my former husband’s crimes, to build a federal case against him, to seize our assets and worldly possessions deemed of value and to accomplish every other task associated with the revelation of a Ponzi scheme. Besides, I didn’t have anywhere to go anyway. My parents were dead, I had children in school and I had no money. Where was I going to go?

So the authorities looked out for me. They called me frequently to ask, “How are you doing? Do you feel safe? Has anyone threatened you?” and other similar questions.

I always answered their questions by insisting that I was safe, that while my neighbors weren’t treating me or my children kindly (or even civilly) and were angry (rightfully so) about their losses, they were had always been good people and would never harm us physically…Yes, they broke into our house when they thought no one was home and inadvertently terrorized my teenage daughter who actually was there and heard them walking around, talking, looking in cupboards, trying to get any information about us they could including opening boxes I had packed to move and doing who knows what else—as my daughter hid in a dark corner of the room and prayed they would leave before they found her during their invasion of our property and privacy. And yes, three years later my youngest child is STILL afraid— of the dark, to brush his teeth alone, to be alone in a room without the light and white noise on or  to go anywhere without a light on because he’s terrified “bad people might be in our house.” But I never believed I needed to fear for our safety.

I was wrong.

Almost, but thankfully not, dead wrong. Which I only recently discovered while watching ”American Greed” and learned of at least one close call we avoided because a hostile victim came to his senses in time to prevent an additional tragedy. Lets just stay a loaded gun was apparently involved and leave it at that, shall we?

Moral of the story: I guess there are lots of them, but certainly one of them now includes the lesson that not only does crime NOT pay, but it brings with it danger, too. Dangers you can’t see. I now know I should have been less stubborn and more trusting of the authorities and their concerns (experts who were fearful for a very good reason.)

And thankfully, we’re safe—despite a very bad idea one angry man was able to repress and my prideful, stubborn streak that refused to run when I had nowhere to go.

 

“Family” of Strangers

Date: September 27, 2012  Author: Andrea Merriman

In the moments following my former husband’s 2009 revelations,  as I wrote about long ago, he instantly became a stranger. I felt like I didn’t know him—and never had.

The June 20, 2012 “American Greed” episode revealed another stranger I guess I’d never really known: my former mother-in-law.   Sadly, it became apparent that she had never really known, or gotten me and what I’m about, either.

I discovered that when posted online with the “American Greed” episode teaser was a letter she had written to the judge at the time of her son’s sentencing, a letter I’d never seen or read—the letter that said something to the effect that she believed I’d been in cahoots with her son and helped him hide the money he stole so we could enjoy ourselves when he got out of prison!

Not! In fact, not even. By the time she’d written that letter to the judge urging him to make her son pay for his crimes and as part of it attempted to erroneously throw ME under the bus along with her Ponzi scheme-committing offspring, I’d already divorced her son and had moved to another state.

Sometimes the unexpected life isn’t just strange…it’s stranger than fiction. All you can do is shake your head and laugh—that’s what I’m doing.

“It’s no wonder that truth is stranger than fiction. Fiction has to make sense.” (Mark Twain)

 

 

On the Heels of Healing…Vindication

Date: September 26, 2012  Author: Andrea Merriman

“Truth is generally the best vindication against slander.” (Abraham Lincoln)

When the infamous events of 2009 unfolded, there were many aspects of them that were indescribably difficult for me, personally. Some I have written about, some I have never addressed, but all of them I let go. Because I don’t see how you can triumph over adversity, or move beyond a challenge, or most importantly HEAL, if you’re still hanging on to the hurt. So, regardless of the difficulty, I made a conscious decision to let it all go.

Here’s one example.

One of the hardest consequences of my former husband’s crimes were the attacks on my personal integrity. Out of the entire nightmare that was one part of it that gave me great grief. (I know, to each his own! But having been taught to live a life of integrity and to value honesty above most everything else, it was a tough emotional blow to know a heavy shadow of suspicion lay over me in the eyes of many due to the actions of the man I was married to.) What I wanted more than anything (other than to wake up and discover my life wasn’t real, that it was only a nightmare) was vindication. I wanted someone in a position of authority to publicly defend me, to acknowledge my innocence, and to make an irrefutable statement to the world: “Andrea Merriman is innocent. She didn’t know about the crimes and she wasn’t involved in any crimes.” But that doesn’t happen in cases like the one I was thrust into against my will. I learned that firsthand in 2009.

So I let it go. T0 heal, required that I let all of that go.

I made the conscious decision to know I knew the truth: that I was, am and always have been an honest person. I decided to not care what other people might suspect or erroneously believe about me. I chose to carry on and to continue to live my life the only way I knew how—with integrity. I abandoned all hope of vindication, or of anyone defending me or my integrity, publicly. I healed.

Imagine my surprise, then, on June 20, 2012 when the episode of “American Greed” featuring the crimes of Shawn Merriman played on televisions across the nation and a federal agent said something like, “There is absolutely no evidence that Andrea Merriman knew what was going on or that she was involved in it.”

I NEVER expected that!

In fact, when my friend called to tell me about it (as I can’t afford television, satellite or cable I couldn’t watch it, real time, myself) I couldn’t believe it. She said, “It’s nothing we didn’t know, but did you ever imagine you’d hear it on national television?” Nope. I can’t say it enough—I honestly never expected that. But I also couldn’t be more grateful to the good man, and federal agent, who publicly stated the truth.

The unexpected life just keeps getting more unexpected!

And sometimes, as a part of the glorious highs and extremely devastating lows that are a part of each person’s journey, you eventually get exactly what you’ve wished for. It may not come to you when you want it, it may not come when you think you “have” to have it (after all, I had to move forward and heal without mine.) But now I see that it was better that way.

It was better for me to heal without it. I think I became stronger because of it.

“At the time, when you’re being dissected and judged it’s pretty brutal, but in hindsight it’s great and – it sounds cliched – you do come out the other side better and stronger.” (Kate Bosworth)

Learn the Lesson

Date: September 25, 2012  Author: Andrea Merriman

“There is a lesson there about greed and it is a lesson I am willing to learn as well. Has it made me a distrustful person? I don’t think so. But we probably look a bit more carefully at our financial situation now.” (Kevin Bacon)

Also taking place on June 20, 2012 (the day my oldest left home, and the United States, not to return until approximately June 2014) was the airing of the MSNBC show, “American Greed.” It’s a show about greed and the destruction greed leaves in its wake. That particular day’s episode hit very close to home when it featured the crimes of my former husband.

I could write several blog posts on that particular episode and the things I learned from it (yes, three years later, I’m still learning new things!) but it also showed me how much I’ve healed and moved on from the whole thing. I realized I’d healed a lot when most of the show’s content felt like it hadn’t happened to me, but to another person living another life.

Little by little. Day by day. Month by month. Year by year. I’ve learned for myself that is how healing takes place.

But I also believe it’s a choice.

Like everything else in life, it’s a choice. You can choose to let it go, to heal from the trauma, drama and betrayals, to carry on despite the hard stuff and to seek to triumph over all of your challenges…or you can hang on to them, wallow in their misery, stagnate or let them ruin you and your potential to live a good and happy life. Ugh! I choose healing and progress any day over the alternative.

“What wound did ever heal but by degrees?” (William Shakespeare)

 

Ad-libbing to the Max: The Unexpected Life

Date: June 20, 2012  Author: Andrea Merriman

“If life is just a stage, then we are all running around ad-libbing, with absolutely no clue what the plot is. Maybe that’s why we don’t know whether it’s a comedy or tragedy.” Bill Watterson

Three years ago, I lost the life I’d known and loved for most of my adult life and was thrust into a life I never expected.

The life I live today is different in every respect from the one I lost. Sometimes, this far into it all, it feels like the previous life, the fallout and the consequences my children and I have endured as a result of the Ponzi scheme perpetrated by my former husband happened to someone else—in someone else’s life. Sometimes, it hardly feels real anymore. And then, sometimes, things happen that remind me all of it was all too real!

As if the life I now live isn’t proof enough, occasionally I find myself on television. Tonight, it will be national television. “American Greed” on MSNBC, to be specific; an episode featuring my ex-husband dubbed by others as “The Mormon Madoff.” While some of the interview based on our experiences focused on the tragic aspects of the unexpected revelations of Shawn Merriman, I did my best to find a few comedic moments as well (to laugh is sometimes the only way to get through tragedy of unexpected proportions). And of course, living and enduring through all of it, has required I “ad-lib to the max.”

What do you do when your life ends in one moment and you find out everything is gone? What do you do when you discover your husband of 20 years, the man you have known and loved most of your adult life, has been living a double life and deceiving you, your children and the rest of the world? What do you do when you find yourself the sole parent and support of four children? What do you do when government agents enter your home and seize everything of value that you once thought was yours? What do you do when…?

You pick yourself up and carry on. You teach your children not just how to survive tragedy, but to triumph. (A life skill they’ll need throughout their lives.) You look for the good in what you’re left with and smile (although it takes some time before the smiles become real again.) And you rebuild, out of the ashes, something even better than you had before.

The Unexpected Life.

And while I have no idea of the content of tonight’s show, that’s what I hope shines through in my life and in the words of this blog. Because every life, no matter what happens, is worth living. That’s just one more thing my unexpected life has taught me.

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)