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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)

Do You Think It Might Be The Wedding Ring?

Date: April 13, 2011  Author: Andrea Merriman
“By persistently remaining single, a man converts himself into a permanent public temptation.” (Oscar Wilde)I’m thinking it might be an attractive combination. Single man, fit, hair long enough to make him look like a liberal college professor…and the women are beginning to like it! The other day #5 came home to tell me how nice women have been to him, especially lately, and that he thinks it might be the longer hair.

I asked, “Do you think it might be the wedding ring?”

He explained, “No, it was starting to happen a little before that, I think it must be the hair!”

Thank goodness he is married again, I guess, so he won’t be SUCH a temptation. He’s off the market, as am I. I have exited the single phase of life. For the second time. I can’t say I’m sorry to see it go. It was devastating to become single after 20 years of marriage and to re-enter the singles scene in my 40s, following an unexpected divorce and the trauma of a VERY unexpected life; the single life sure took some getting used to. In fact, I couldn’t imagine ever getting used to it. But I did.

In the beginning, I remember feeling so humiliated. I seriously thought everyone could tell, just by looking at me, what a loser (ie. single, a.k.a. divorced) woman I was. I was sure everyone thought I had terrible judgement, lacked intelligence, was impossible to live with or did any myriad of negative things that made someone not want to be with me and that caused my divorce.

Divorce was so contrary to anything I’d ever imagined for myself, I could hardly imagine, truly, ever being satisfied with myself and my status, but eventually I was. I wasn’t humiliated. I didn’t feel like a loser. I was just me. Andrea Merriman. Divorced single mother of four. I wasn’t embarrassed by the word “divorce” or to say it. It was my unexpected new “normal.”

Then I remarried.

And believe it or not, THAT has taken some getting used to. Again! For #5 and for me.

I’m calling them…second marriage moments. And the first one hit on the drive home from the honeymoon. Lets just say MOST of them have made me laugh:)

“Second marriage is the triumph of hope over experience.”

That’s How We Learn

Date: November 16, 2010  Author: Andrea Merriman

“I grew up with six brothers. That’s how I learned to dance – waiting for the bathroom.” (Bob Hope)

I can relate, although I learned to dance in the kitchen watching my parents cha-cha before breakfast and taking a spin when my mom needed to stir something.

But that is the grand adventure of life, isn’t it?

Learning the most unexpected lessons at the most unexpected times and from the most unexpected places.

I learned honesty as a child, but learned, again, how committed I was to it when government agents were coming to my home to seize everything of value and I knew the contents of my jewelry box. It would have been so easy to take something I could sell to feed, clothe or shelter my children and none would be the wiser. Except me. And that was the problem.

So I didn’t do it, although I’d be lying if I said the thought hadn’t crossed my mind. It absolutely did. When you’re left alone, financially devastated, and have four children to provide for, it’s amazing how desperate that situation can make you feel. However, I’ve never been one to sell my soul for “things” and even when the stakes were so high in my eyes, I learned I still wasn’t going to. I learned for myself I wasn’t going to break down and be dishonest after living a life of complete honesty just because my spouse had. I learned I’d rather starve or be forced to rely upon the charity of others than to choose to steal or sell my soul for any “thing.”

In that moment I also learned that as much as we know what is right, and regardless of how much a virtue (like honesty) we possess, we are never absolutely above temptation. At least, I’m imperfect enough not to be.

Life is an endless opportunity to prove ourselves and reprove ourselves and prove ourselves again, even when we think we have something mastered–we get to learn and prove ourselves in an entirely new, and unexpected, way!

Like dance. I graduated from high school and dancing in the kitchen to college, social dance class, and returning home for New Year’s Eve 1985 to cha-cha with my dad, one last time, but in public, at a dance. Later I added clogging, BYU Folk Dancers and Irish dance to the resume of my experience. And eventually, a dance class with Bachelor #5. He keeps inviting me to country/western dance, so that may be next on our list. But wherever our lesson, and our life lessons take us, this I know:

That’s how we learn. And we’re learning all the time. The tombstone will be our diploma, said Eartha Kitt.

“Be a student so long as you still have something to learn, and this will mean all your life.” (Henry L. Doherty)

Especially in the unexpected one.

Except For That One Time…

Date: May 5, 2010  Author: Andrea Merriman

In my limited experience as the mother of four children, there have been various challenges to address and “work on” as I teach and train them to grow to become all that I dream for them. One of those challenges is teaching honesty.

It seems like it’s a lesson that cycles. When they’re very young, the lesson is about not taking things that don’t belong to you, and it usually includes a trip or two BACK to a store to return something they’ve put in their pocket without my knowledge. As they grow and get a little older, the lesson becomes about always telling the truth–not lying to avoid a consequence; for example, not saying their homework is done when it really isn’t so they can go out and play with friends.

I’m still working on this with one of my younger children. Yesterday was no exception. In fact, the attempts to utilize every teaching moment are still in place and are actually more vital than ever because I work full-time and my time with my children is limited by my work. (But again, I am not complaining. I am grateful to have a job.)

As we discussed the importance of honesty at all times, in all things, and in all places AGAIN, and set a goal to strive for that AGAIN, and then as my son walked away to play after we chatted, I couldn’t help but remember one particular moment in 2009. A moment I’d been tempted to lie. It had been a moment among all moments for me. A challenge to my personal integrity and honesty. And until today, I wasn’t sure if I had been a failure or a success.

Here’s what happened.

The day of my move from Colorado to Utah was approaching. It was late afternoon and I’d taken a break from packing to let my three-year-old play outside. He was riding his little bike at the top of our driveway and I kept an eye on him, sure that we were being watched by neighbors as we did so, but I was getting quite used to living in the glare of the spotlight…and the binoculars…and under the hostile gaze of those around me. I had learned to do my thing, to do what I thought was right for my children (and even smile, occasionally, to give the appearance that I was having fun doing it) and to ignore those who spent their time watching me do it!

Soon a neighbor wandered up the driveway, trying to look nonchalant but headed my direction. (This neighbor had not been a client of my spouse’s, but had been very vocal in the media and willing to be interviewed about the situation as she saw it. Her home was the scene of the neighborhood gathering the day the U.S. Marshalls seized the items from our property; her husband was the man who photographed the goings on at our home as he leaned over the fence to do it.) I couldn’t imagine what she wanted to talk to me about. I soon found out.

She wanted to know when I was moving, wanted to know the exact day. She wanted to know where I was moving to, the exact city. She wanted to know how I had a place to live. She wanted to know where I was working, the name of my company and where it was located. She wanted information and details. And although she hadn’t been willing to talk to me through the rest of the nightmare, or even offer a smile or a wave, she was willing to ask me everything she wanted to know.

I was caught off guard. By that point, I panicked whenever anyone approached me, especially a neighbor! I hadn’t expected anyone to talk to me. And I certainly didn’t expect anyone to press me for answers about my personal plans and business. But press she did. When I tried to politely respond in a vague manner, so as not to appear rude, she didn’t quit. She asked for direct details.

I felt like a deer caught in headlights. I hate that feeling, yet it feels like that was my position a lot during 2009! (I guess you could say 2009 was my hunting season. lol.)

I knew why she wanted the information. The victims were circulating a daily email, I’d heard about it from the government and some victims that had received it and didn’t want to be included on it. It basically was a communication of ANY bit of information, even private information about my life or marriage–including things I’d told friends in confidence–ANYTHING they could discover from anyone. And then they published it to, what seemed like to me, the world. (I guess you feel that way when things shared in confidence are not kept that way.)

But then again, what was a little more humiliation in what had become the ultimate humiliation–discovering your spouse had been running a ponzi scheme, had stolen millions of dollars from friends and neighbors and family and strangers, that your spouse was going to prison, that your spouse had told hundreds of lies everyday to you and everyone else, that your children would have a relative in prison…and that all the while, you NEVER HAD A CLUE?

If I hadn’t been so terrified of what would happen should all of that information about my move get out, I could have laughed about the insanity of a non-victim neighbor actually doing what she did. But there was some degree of risk to my situation. For example, the head investigators constantly checked with me to make sure I felt safe from my neighbors. They told me if there was ever a problem to call 911 immediately. They insisted it was necessary they come to my home and supervise my move to protect ME from my neighbors on moving day. Etc…

And if I hadn’t been raised to be polite and honest, the conversation would have gone differently, too. But instead of lying or saying something rude, which I was tempted to do, I didn’t dare do it. I tried to answer her questions, vaguely, and then when she pressed me and pressed me for more details, I honestly answered with the truth! I SO did not want to tell everyone what was going on with me and what my plans were. I didn’t feel it was their business and I wanted to safeguard that information for my actual, physical safety was well.

But I couldn’t do it. I couldn’t ignore her. I couldn’t lie. I couldn’t even tell her to mind her own business!

She walked away after she had discovered what she wanted to know and, I assume, share with everyone. And I went inside my house and threw up, literally, wondering if I had put the last nail in the coffin of our fate by honestly answering questions that were not anyone’s business but mine.

I wondered if I had just sold out my chance to rebuild a life somewhere else at the price of my unwillingness to be rude. I wondered if I had just sealed the fate of the physical safety of my children by refusing to lie.

“WHY couldn’t I be rude? WHY couldn’t I lie even once?” I thought. I was sick at my inability to do what I thought was wrong, at even the possible expense of my children. What kind of mother does that? I wondered.

I was so sick at what I had done, although I felt I had done the right thing, and then I finally had to force myself to let it go because I couldn’t change anything about what had happened. I decided to trust that something good would come of my choice to continue to do what was right in spite of the possible negative consequence to me and my children. I hoped we would be safe until we moved, but you don’t get to pick the consequences of your choices, good or bad. I just hoped it would be a consequence I could live with! Literally.

“We tell lies when we are afraid…afraid of what we don’t know, afraid of what others will think, afraid of what will be found out about us. But every time we tell a lie, the thing that we fear grows stronger.” (Tad WIlliams) Although I hadn’t lied, I had no reason to be afraid anymore. The truth was out, come what may. And aside from people entering my home late that night when my daughter was home alone and they thought we were gone, no danger to my children and I resulted from my truthful revelations that I know of.

The rudeness I was tempted to respond with, or a lie to protect my children, might have eased some temporary discomfort but I believe this with all of my heart based on that day’s experience: “A lie will easily get you out of a scrape, and yet, strangely and beautifully, rapture posesses you when you have taken the scrape and left out the lie.” (Charles Edward Montague, “Disenchantment”)

That’s the challenge isn’t it? Of life. Of anything.

I have always believed that.

In 2009, I continued to live that–at my peril. Because my parents taught me, “Honesty is the best policy,” and that as Shakespeare wrote, “No legacy is so rich as honesty.” I had always tried to live that way. And given my current financial situation, that may be the only legacy my children will have to inherit from me! lol

I’ve never doubted the wisdom of that…except for that one time in 2009.

But looking back, I am honestly grateful I didn’t cave in to rudeness or fear and act on my temptation to “lie” that day to save my children and I from an unknown flood of hatred and potential danger. I think it was the right decision: “Slander cannot destroy an honest man–when the flood recedes the rock is there.” (Chinese Proverb)

Example is the best teacher. And I’m trying to do all I can to teach my children what they’ll need to know to navigate the very uncertain waters of life, unexpectedly.

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