07.08.08

MAJOR ANNOUNCEMENT – We’re Moving

Posted in Uncategorized at 7:18 pm by otherdeb

Effective immediately, please go to The Dangling Conversation.Net. We’ll be waiting with the welcome mat rolled out and a glass of iced tea.

Getting Unstuck

Posted in Backstory, Equilibrium, Inspiration, life, personal finances tagged , , , , at 12:05 am by otherdeb

I was answering a comment from fivecentnickel here, and it got me thinking. I noted that until I saw what needed to be done in terms of making better choices, rather than making sacrifices, I was overwhelmed and paralyzed.

Thing is, I had climbed out of debt twice before, when I was coming from what I call punishment thinking. By that, I mean that the steps out of debt were my punishment for being stupid enough to have gotten in there in the first place. So instead of the changes becoming permanent, sooner or later I felt my punishment was over and reverted to my old ways, only i managed to dig a slightly deeper hole each time around.

This time, when I got the wakeup call two years ago, I figured it was my last opportunity, and I was gonna do it right this time. So I did something different. While I was dealing with the collection agencies, I started reading (what the heck – I had no money to go out with…). I read books and blogs on getting out of debt. I read books and blogs on personal development. I started putting together an idea of how to reframe things to the positive. My dear fiance, Dee and I had long discussions about the financial decisions we had made (both jointly and separately), and about where we wanted to go (again both as a couple and separately).

Somewhere along the way, I ran into the one piece of advice that had kind of stuck with me from when i did est back in the day. One of Werner Erhard used to say was, “It lives in your language.” Both as a word lover and as someone familiar with the concepts of Rational-Emotive Therapy, this was a concept that rang true for me. It put the control and power over my life squarely into my own little hands.

Dee and I made conscious attempts to reframe our thinking (an ongoing process, which we are still very much in the middle of), and found that it made a big difference. We stopped blaming ourselves for the mess we were in. This gave us time and space to look at where we wanted to go, and how we could get there. We made lists of our goals and values (again, both jointly and separately). We made lists of what we blamed ourselves and each other for. Then we had one huge blow-out discussion about the past, after which we have done our best to let it go. We made a conscious decision that the past was just that, and that holding on to it would just keep us mired in it.

We are not perfect, by any means. Each of us has a complicated life (and I bet you do, too), with our own baggage. However, we are facing forward finally, and it’s all good, even the rough patches.

You hear all over that those who don’t learn from their mistakes repeat them. This is true as far as it goes. What is less known is that, having learned from them, you must let them go, instead of clinging to them like Linus van Pelt to his blankie.

07.07.08

My Biggest Financial Vice

Posted in Finances, Recovery, personal finances tagged , , at 11:09 am by otherdeb

In this post, Five Cent Nickel challenges us to admit to our biggest financial vice.

Mine is using car services to get to and from work. Each September, I vow not to do that except in emergencies. And I usually manage to stick to that for the first half of the school year.

Then comes the first major snowfall. Between the sciatica and a weak left ankle, navigating a two-hour, three-bus (or two-hour -and-fifteen-minute, one-bus-and-two-train) commute becomes, to put it politely, hellish in the extreme, especially since my area of Brooklyn is so far down the City’s list of places to dig out that the snow is often gone by the time they get to us. So I call the local thieves. Unlike the other car services in the area, they don’t offer discounts, or deals for regular customers, but they do offer one thing the others don’t: reliability. They show up, and usually within a minute or two of when they say they will. On a well-below freezing morning at between 5:00 and 5:30 am, this is important.

So, I give in and call them. I tell myself that it’s just for the duration of the mess on the ground. then I notice that I can sleep an hour later if I use them. I’m hooked, and have to pretty much force myself to not use them sometimes. So from January until the end of June, I’m lazy and it costs me $33 (including tip) each time.

As if that wasn’t enough of a hole in my pocket, at about the same time each term, commuting home becomes an issue for the same reason. There, however, I was able to cut a deal. I call the drier directly, and he gives me $5 off what the company charges, because he’s taking me off the books. If he’s not available, I call the company, but most days he is. So that’s an additional $20 a ride. (He’s good to me, though. If I need him and don’t have the money, he will take me and I can pay him the next time.) Still, this kind of thing adds up.

I was better about it this year than the year before, and, as I loose weight so I have less joint problems, I intend to get even better about it. Still it was a significant chunk of cash that could have gone to debts or savings.

Having admitted it, the question becomes what am I gonna do about it. My bike has been retrieved from the corner of the living room. It’s in okay conditions for local riding, and I will shortly have it checked out and tuned up. Once my bike legs are back, I plan to increase the distance I can ride over the course of the summer, hopefully to a full thirty miles. (Thirty miles is double a one-way commute to work by local streets). For travelling into the city this summer, I am planning to use the express bus as much as possible.

I’m not kidding myself. This is not going to be an easy habit to kick, since it hits me right in my laziness. But I keep telling myself that when I have lost weight from the exercise, and have a fatter bank account to show for it, it will be well-worth the battle.

<i? What’s your biggest financial vice?

“A, B, C, It’s Easy…” – Jackson Five, Part III – Putting My Fingers on It

Posted in Writing, journal-keeping tagged , at 12:05 am by otherdeb

This post is by Gwen Knighton Raftery. When I read the original posts on her LiveJournal, I was blown away with how well they would fit in this series. She graciously consented to combine them and let me use them as my first guest post.

Gwen Knighton Raftery lives in London with her family. She has one husband, one son, two stepdaughters, one kitty cat, and a wi-fi bunny called Pleather. She frequents folk clubs around London. Gwen knits often. She loves singing, writing, telling stories, working with her hands, making other people smile, people, the stars, clouds, magic of all descriptions, and being herself. She gives time, hugs, stories, advice, and the rest of herself freely. Gwen writes songs about all of the above, and sometimes Y.

Putting My Fingers On It

In June of 1984, my uncle sent me a Sheaffer pen set as a high school graduation gift. I’m not a pen collector; I couldn’t tell you what the model was or anything like that. I don’t remember what happened to the matching ballpoint; I only remember what it looked like in comparison to the fountain pen. They were both black and gold, and the ballpoint was skinny and annoying, but the fountain pen? The fountain pen was magic. The fountain pen came with cartridges and this nifty converter thing. You could use the converter to put any colour of ink you wanted into the barrel of the pen and write in any colour you liked. A lot of high school graduates get pens from old uncles they haven’t seen in half a dozen years or more, and I think most of them must go right back into their boxes, and then right into the back of the sock drawer. Mine went immediately into my pocket. I used it for everything. After experiments with cheap Sheaffer ‘no nonsense’ pens in high school, I had a pretty good idea of how to write with a fountain pen, but getting used to an 18k gold nib took some time.

What did I love about that fountain pen? What didn’t I love would be the more accurate question. In the days of cheap Bic ballpoints and fat pencils, when a few of my friends even had personal computers, what was a geek like me doing with a fountain pen?

Simple. I was writing. I never had to go through the annoying ritual of rolling the tip of the pen around on another piece of paper before I got started: the ink just flowed out of the tip. I never had the ‘left-handed’ problem of oil from my hand on the paper making the ballpoint freak out and refuse to write in that little spot: my Sheaffer handled everything. The only thing, the one and only thing, I didn’t like about it was it could not change colours instantly. I had to clean it first. I became fastidious about that pen, and I never lost it or damaged it.

In my 20s, I bought three or four more Sheaffers. I briefly flirted with other pen manufacturers: Parkers were too skinny and the nibs felt scratchy; Watermans just seemed a bit foofy; Mont Blancs were obviously made for people who wanted other people to see them carrying a Mont Blanc and weren’t meant to write with at all. I developed a love for good sepia inks. I wrote most of my college poetry on legal pads, with a brushed aluminium Sheaffer carrying sepia ink I bought from art supply stores. Occasionally, I’d buy some cartridge ink just to experience another colour, but I always went back to that lovely red brown, I think because it reminded me of painstakingly hand-lettered invitations. It also looked great on the yellow legal pads I liked to write in when I was in college (twenty cents apiece at the grocery store, and you know I had to scrimp on the paper a bit after spending $30 or more on individual pens).

Some of my friends investigated fountain pens when they saw me writing with one. Only a few of them ever became comfortable with a fountain pen; it really was the decade of the ballpoint, I think. When things like gel pens and uniballs started to be readily available, I guessed I’d lost the fight. The only friends of mine who were still using fountain pens were, you know. The sort of people who like to be seen using a fountain pen. In solitude, I’m sure they switched back to their Bics.

I loved the Sheaffer Targa I bought in 1988 more than any other pen I’ve ever owned. It was made of brushed aluminium, and it had a stainless steel nib. All silvery, no gold. That suited me just fine: it was a pen made to be written with, not to be admired by other people. It was just my pen. The Sheaffer had a weight on the nib that I liked. It fell against the third finger of my left hand like a lover’s arm in sleep: not too heavy, and comforting enough that sometimes I’d hold it in my hand, just to feel the balance of the pen. That weight in my hand, that ink waiting to be freed onto the paper, made me feel, every time I picked up that pen, as if I had something to say. The other Sheaffers were good like that, too, but that Targa? Mm. I was in love. I fancied that it grew in to me and adjusted to my hand as the years went by, and I am afraid I wasn’t kind to people who’d maybe snatch the pen off my desk to write something down. Nobody but me was allowed to use that pen. That was a rule. We were monogamous.

In my mid-twenties, I moved away from writing poetry by hand with sexy fountain pens. I had a baby to think about. But whenever I came back to them, my beautiful Sheaffers, all clean and flushed with water or pen cleaner, all waiting in their little box, they never minded that I’d been away. Somehow, writing a grocery list or notes at work didn’t seem as magical as writing poetry. Those pens wanted to write poetry. So I put them away, time after time, because I didn’t have time to write poetry anymore. And uniballs were nice, and you could get gel pens in sparkly colours.

Something happened to me in 1999, and I became a songwriter. I was also making a bit more money than I had in college twelve years earlier. I wrote half a song on my kitchen table with a Pilot gel pen and then realised it was taking so long to get the story down because that pen wasn’t the right one. Where was my Targa? Safe in the box. Ink? Out. I drove halfway across Atlanta to an art supply store because the clerk recognised the word ’sepia’ when I asked about writing inks over the phone. I folded up the song-in-progress and took it with me, because you can’t just leave something like that lying around on your kitchen table. I bought two little bottles of sepia ink and a plain writing tablet, and I went to a coffeeshop for a latte and some quiet, and by the time I got home, my husband and son were cross with me because I hadn’t told them where I was going. (This incident led directly to my first mobile phone, but my ongoing obsession with mobile phones, PDAs, laptop computers, and other gadgets much more shiny and automatic than a Sheaffer fountain pen is beyond the scope of this piece.)

Not long after the ink incident (and armed with a Samsung flip phone that could access my email, yowza!), it occurred to me that it might be nice to have a notebook, you know, to keep songs in. One small enough to fit in my purse so I could carry it everywhere. I picked up a cheap, fat, spiral-bound notebook, and I wrote dozens of songs in it before I realised it just wasn’t, I don’t know, pretty enough to be seen out on a date with my Targa in the little French restaurant where I used to go to write songs on my lunch break. I ended up in a new age shop, pricing Oberon Leather notebooks. They had a lovely one that was really a book cover, small enough to fit in my purse, in dark green leather, with oak leaves and acorns on. It had a matching pewter button. How could I resist?

Over the next three years or so, I wrote dozens of songs. They all got recorded, in various stages of done-ness, and with all their work showing, in that book, or in the other plain book I slipped inside the green leather cover when I’d filled that one up. My beautiful, brushed aluminum Targa, now fourteen years old, danced on every page, even when I switched to blue ink just because I wanted to. In 2002, during a traumatic move (is any move not traumatic?), my pen box, with four Sheaffer fountain pens, several bottles of ink, and several packages of ink cartridges in case of emergencies, was lost. It was a rough time in my life, and I am almost ashamed to say that I didn’t even notice they were gone, though I might have vaguely looked for them and assumed they’d ended up in a box somewhere. The song books, old and new, those weren’t lost.

It is 2008, and I haven’t written a decent song (by my standards) in five years. I haven’t written anything that couldn’t be composed on a computer or my PDA for a long time now. Whether it was life getting in the way in the form of me being happy for the first time in a long time, or something else, I haven’t felt the pull to write songs, much less poetry, for some time. I’m writing novels, blog entries, short vignettes, but not really songs or poetry. And at some point a few weeks ago, I realised I want to change that.

I took down the still-unfinished songbook currently in the leather cover. It was about 3/4 of the way full, with a lot of unfinished fragments in it. I leafed through it and thought there were some things there that had potential, and then I put it in my purse. The next day, I took the book out and put it on my desk at work. I didn’t write anything, but I did flip through it and consider what I had written. There were fragments in the book from as long ago as ‘fall 2000′, neatly copied from book to book as the good stuff I might edit into real songs later. I copied a song fragment I’d found on a folded up piece of paper tucked inside the songbook cover. It was from 2006; maybe I’d come back to this and looked at it before. It felt good to copy a song, even an unfinished one from two years ago, into the back of that book, to carefully date it and note it down in small, neat hand so it could be added to or edited later. I flipped back through the songbook again, surprised to remember every tune that went with every unfinished song, not just the ones with the solfeggio noted down in the margins. Somewhere, in an alternate universe, these were real songs, I decided. Time to bring those universes back into sync.

The rituals creative people build around the act of creation, the steps of it, like a dance, those are the framework that enable us to construct a door that can be opened. What are my rituals? What were my rituals? There were the pens. There were the songbooks, fragments copied from book to book, the comfortable, familiar cover of the songbooks, the careful notes of dates and times, the margin notes and repetitions of things I wasn’t done with. That’s what I needed to recapture.

First, I thought about the pens. I went looking for the sort of pens I used to use and found that fountain pens have got more expensive over the last fifteen years. Research led me to some great UK-based pen shops, the Fountain Pen Network, and of course ebay, and it turns out that according to most people I know who are into fountain pens (and I was quite surprised to find out how many people I knew who were into fountain pens!), the contemporary inexpensive fountain pen that gives the most bang for buck (particularly for somebody who doesn’t care for Parkers) is the Lamy Safari. Lamy is a German company, and before I started this pen research I had never heard of them. Now, I could have held out for a Sheaffer on ebay, but my beloved Targas are going for £20 and up, and I just don’t have it. So I did some more research and found out that Ryman’s (a stationery chain based in the UK) carries the Lamy Safari.

Then, I began to consider the songbook. I thought back to the last time I’d replaced the book on the inside. It had been six years, and the spine on the interior book was breaking. Maybe I’d break the mold and buy a real Moleskine this time, leave the cover behind. That might be a way forward. As it turned out, the Ryman’s I visited had both the Safari and several species of A6 notebook. In the end, I went with a cheaper A6 notebook, because the Moleskine was just too expensive.

It was a Thursday evening. I got the family dinner behind me and sent the husband and son upstairs to surf the net (not that they needed much encouragement). I inked the Lamy and tested it on a plain piece of paper. Despite the near-weightlessness of the pen in comparison to my Sheaffers, it felt like the same process, if with a slightly skinnier partner. I needn’t have done a test stroke on that extra piece of paper: it was ready to write almost immediately upon having been inked. What a lovely feeling. And then, over the next four or five hours (time got away from me), I went through the previous songbook, line by line. I copied old things that felt promising into the new book, put aside things that were not ever going to become songs, and let my hand get used to the Lamy. Writing the songs down by hand just seems to connect me to them, even if they were written eight years ago. Every one has a history, but whether that history will go forward is a question only the pen, and I, and the next few pages of that precious little notebook can answer. But now, now I am back in the circle of songwriting. Now I have my setting secure, my tools in their places. I’ve got my fingers on it. It’s only a matter of waiting for the moon to rise.

07.05.08

Financial Independence

Posted in Inspiration, Perspective, personal finances tagged , , at 4:17 am by otherdeb

Patrick from CashMoneyLife, Mrs. Micah from MrsMicah.com, ffb from Free from Broke, and others have been pondering what financial independence means to them.

Seems like a reasonable subject for this blog, too, so let’s see what I can reason out.

For one thing, I am not poor. Pete from Bible Money Matters recently posted a link to Global Rich List. I put my annual salary into their calculator and found that I am, if this is correct, the 674,568,733rd richest person in the world. Now that may not seem like a lot, but that puts me into the top 11.24% of earners in the world. (The site notes that if you make over $47,000/ann., you are in the top 1%.) Yeah, I know, that and $2.00 will get me on the bus, at least until the MTA raises the fare again. Still, it’s kind of humbling to realize how well-off I am in comparison to much of the world.

To me, financial independence would be to not be in debt to anyone. Not to Marc, not to a credit card company, not to my Landlord, not to Nelnet (my student loans). It means that the money I earn would go into supporting me both on a daily basis and for the long haul, and constantly and consistently making choices that support those goals. It means not having to feel I can’t afford to pursue something important to me. It means having the money to not have to use a dental clinic provided by my union where I am poorly treated because what I need is more than what the clinic’s practitioners who are mostly just out of dental school, are capable of handling. It means being able to follow the career paths I want to (writing and other creative pursuits) rather than having to take a low-level job that is exceedingly stressful. It means not having to put up with a roommate who has no desire to manage her finances.

The steps I am taking toward financial independence are not sacrifices. I’ve noted elsewhere that I don’t believe I am making sacrifices, but choices that will give me opportunities to make a wider variety of choices in the future.

In short, while financial independence is a goal, it is primarily a stepping stone to achieving other goals, and to me that is the thing to keep in mind along this road.

What does financial independence mean to you?

07.04.08

Update on the Scam Situation

Posted in Equilibrium, Finances, debt, life, scam tagged , , , , at 2:59 pm by otherdeb

My roommate has met with the bank and the police. The FBI and the Postal Inspector are sending her paperwork to fill out. She has handed me $600 in cash for her share of the July rent and has promised me that I will have her share of the August rent in cash in time. She has also agreed, per Carol’s excellent suggestion that once she is clear with the bank, she will set up an automatic transfer to my account from each paycheck, so that, in effect, I get paid first.

Now, if I can just get her to actually, you know, keep records so she doesn’t forget what is coming out of her account, and where and when it is coming out, we should be okay, although I am not completely sure she won’t find some new way to get victimized.

Order from Chaos 2b – “The Game Plan”

Posted in Book Report, Equilibrium, Order From Chaos, Organization, life tagged , , , , at 2:23 pm by otherdeb

Well, it’s time to look at the Ms. Davenport’s overview of her plan.

She notes is that this is the overview, and not the plan itself. She then explains that text in light grey boxes is examples, stories, etc., and that those who want facts only can skip the boxes. I found the stories and examples enriched things, so I did not skip them.

Next, she tackles a subject dear to my heart: accountability. She points out that getting organized is not a solitary task, even if you are a household of one. Her suggestion is that you share the project with a friend, relative, or co-worker. Notify them of your schedule for the program, and have them ask for weekly updates. You, dear readers, are who I will be accountable to for this process. And if you see me faltering, for any reason, please feel free to wield the accountability- or clue-bats, as needed. She suggests that if all else fails to keep you on task, you invite folks over to keep you company while you go through whatever particular task you are working on. Since that would be impossible at the moment, for many reasons, I will be content if your sitting with me is done via Plurk (otherdeb), a chat room (AIM & Yahoo: debjwunder), a phone call (email me for the phone #), whatever we can work out. I’m pretty flexible.

She sets a limit for deciding whether to keep or toss an item of 30 seconds, which seems reasonable. She feels that we know in our heart which is called for, but that we let fear change our mind.

Then she gets to the meat of the plan: she outlines the steps and how they build on each other. She also promises that there will be a checklist for us at the end of each step so that we can actually tell when we have accomplished it. Again. for those playing the home game, the steps are:

1. THE COCKPIT OFFICE: This is setting up your workspace so that what you need on a daily basis is within hands’ reach; on a weekly basis, within arms’ reach, and on a monthly basis, in your workspace but out of your way.

2. AIR TRAFFIC CONTROL: This is about setting up a written organizer for everything, so that you have the information you need to get through you day at hand, in one spot, and don’t have those 190 bits of incoming information scribbled on post its all over the place.

3. THE PENDING FILE: This is a place for the pieces of paper you are actually working on to live. She says that many of her clients think that this is the most helpful piece of her plan. We shall see.

4. MAKE DECISIONS: Yeah, that. She wants us to set limits for how much we can do in a day, so that we keep from becoming oerwhelmed. She also notes that this is were we decide what to do with all that incoming data.

5. PRIORITIZE ONGOINGLY: She notes that this is how we will keep from becoming nibbled to death byt the little things. Again we shall see.

6. PLAN YOUR DAY, END YOUR DAY, CLEAN OFF YOUR DESK AT THE END OF THE DAY: She notes that this is especially important for those of us who cannot turn our brain “off” at the end of our workday. It swtarts with us reviewing our plan at the beginning of the day, review it at the end of the day (including ticking off finished stuff and rescheduling or dropping unfinished stuff), and making sure that everything is where it should be before you leave your office, so that you don’t waste time searching for it the next time you need it.

Next in this series: Pre-Organizing — Creating a Vacuum

07.01.08

Order from Chaos 2a – “Before You Begin”

Posted in Book Report, Equilibrium, Order From Chaos, Organization, life tagged , , , , at 1:17 pm by otherdeb

Liz Davenport opens Order from Chaos by noting that:

“The average businessperson receives 190 pieces of information each day. The average businessperson wastes 150 hours each year looking for stuff. Add 10 more hours and that is an entire work month. If you got organized, you could have an extra month each year! Just think how much more you could accomplish (or how much more vacation you could have) if you got organized. You could take a three-day weekend every other week and still do as much as you are doing now–or MORE. What a concept.”

Yep. What a concept! Especially as I shifted through papers all over my room last night, trying to find the referral I needed for a mammogram this morning. It took me over an hour of going through all the papers on my desk and my night-table to find it. And if I hadn’t found it, I would not have been able to have my insurance cover the cost of the mammogram, which was long overdue. And, since I had a three-month wait for this appointment, rescheduling would have been right out of the question.

In short, not being organized would have had a significant financial bite in this instance; a bite that I can ill afford at the best of times, but even less so given the stuff going on in my life at the moment.

Why get organized?

Ms Davenport goes on to cover, in her first chapter, her belief that “the piles on your desk result from the holes in your system (as well as rom the incoming 190 pieces of information each day.” She notes that most of us do use a system, or more properly pieces of several systems to try to keep track of our information. The solution she says she will offer is an “all-encompassing, easy to maintain” system, which she claims is simple, intuitive, and easy to use.

She further notes her qualifications to be writing this book: She’s one of us. This is the system she evolved to solve her own organizing issues.

She follows that with a very brief outline of her system, suggesting that, if your time is limited, you only do Step 1 (the Cockpit Office). She notes that all five other steps build from this one. She recommends that you spend at least a week on each step and that how long it takes you to do the steps is less important than doing them in the order she sets out.

So far, it sounds pretty good. Her next chapter is called “The Game Plan,” and after last night’s little wake-up call, I am dying to dig in. Since the net chapter also falls under “Before You Begin,” I expect to be reporting on it fairly soon.

Next in this series: The Game Plan

06.30.08

What Not To Do #1 – Falling for a Scam

Posted in Equilibrium, Finances, debt, life, scam tagged , , , , at 3:25 pm by otherdeb

A friend of mine suggested that, given some of the stuff I have had to deal with over the past few years, a series on what not to do might be in order here (thank you, autographedcat)!

Given the recent problem my roommate has developed I think today’s post in the series will be about avoiding being scammed. (Not that I think for one moment that any of you are that gullible, but the reason scammers keep trying is there are tons of folks who are.)

First off, avoiding scams is not that hard. The general rule is, I think, that if it sounds too good to be true, it is. If someone you have never met is offering you huge amounts of money to do a job you never applied for in the first place, it’s a scam.

If someone sends you an email purporting to be from a small country and needing to transfer funds out, or claims to be in jail and needs to get their money out of the country to avoid it being seized, it’s a scam.

If you get a letter in the mail that promises you thousands for nothing but an illegal transaction on your part, yeah, that’s a scam, too.

However, in weak moments the best of us can be tempted. So here are a few clues for when you are considering that offer that looks like it could solve all your problems:

1. Do the addresses match? In my roommate’s case, the check was from a construction company in Georgia, the letterhead from a place in New Jersey, and the stamp from Canada. This should raise all sorts of hackles.

2. What do they want you to do for the money? In this case, the letter wanted her to deposit this check, then transfer, via MoneyGram, the bulk of it to “Pamela Your Last Name Here” of Toronto, Canada. If it was legit, why wouldn’t there be a name that matched either the check or the letterhead? (Not that this would necessarily make it legit, but it would look less like a scam.)

3. Again, is the offer too good to be true, or does it look like it would solve all your problems? I’ve learned over the years (and you probably have, too) that the only way out of the mess you dug yourself into is slogging your way out and learning to become accountable, both to yourself and to others.

In short, if it sounds too good to be true, toss it in the wastebasket, or delete it from your inbox.

And, in the event you do get caught, a lawyer I know suggests the following:

1. Don’t let how dumb you feel for having been scammed paralyze you, and don’t beat yourself up over it. Neither of the above will rectify the situation, and inaction may leave you open to further problems.

2. Notify your bank. Immediately. Yes, they will put a hold on your funds, but it’s better than having the scammers drain your account in addition to what they have already conned you out of.

3. Call the police. It’s likely you will have to talk to the Detective Bureau, during regular business hours, which is what my roommate is going to have to do.

4. If any part of the material is from out of your state, you are going to want to notify the FBI, and the Postal Inspectors. This kind of fraud falls into their bailiwick.

5. You will also want to notify the Big 3 credit reporting agencies, TransUnion, Experian, and Equifax. They need to block you accounts from giving out information that can be used to steal your identity.

6. And, if you don’t already, you are going to want to monitor your credit reports. You can do this once a year by going to annualcreditreport.com. (You all should be doing this anyway, just on general principles.)

Yes, it’s all a big pain in the butt, but it’s a lot less painful to be considered a victim of a scammer than to be considered an accessory to their actions. Believe me, that’s a level of problems that is almost impossible to resolve without throwing tons of money and time at.

And, once again, the easiest way to avoid being scammed is to commit to doing the work involved to straighten your life and finances out, and stop looking for shortcuts that will magically solve your problems. They don’t exist. Period.

Have you been caught by a scammer? What did you have to do to rectify the situation? How long did it take to resolve? What damage did it end up doing to you, beyond the obvious loss of money, credibility, and self-esteem?

Link to Note

Posted in Inspiration, announcements, life tagged , , at 11:34 am by otherdeb

While this is geared toward musicians, which many of my friends are, it can also be applied to pretty much any interest you are not professional level at!

With that in mind, enjoy!

Next page