Tuesday, December 29, 2009

Spy Tips from Michael Weston (Is she cheating?)

Here's a little tip from one of our favorite covert operatives, Michael Weston of Burn Notice. Great advice.

Monthly Ledger and survey mailed today

Happy holidays to you. If you have the time, please drop on over to our Monthly Ledger sign up page and start receiving the Monthly Ledger from [FIND] Investigations. While you're at it, swing on by the new survey and take two minutes to answer a few simple questions. We're looking forward to a great 2010. Hope you are too.

Friday, December 18, 2009

Economy's Impact on Child Support - Part II


Behind the Scenes of Our Marketplace Story
Close-up of Rhonda Spurlock

An intimidating pile of file folders looms high over attorney Rhonda Spurlock's desk. But that doesn't worry her too much, because she isn't often in her office. She mostly spends her days in any of ten courts in the four Tennessee counties she serves, advocating for the scores of moms and dads that imposing stack of folders represents, chipping away at her swelling case load.

Spurlock is head litigator for her district's Child Support Office, a free state service that helps parents sort out their child support agreements. Although she does handle contempt and enforcement actions, she says her agency is "non-custodial-parent friendly."

"Our goal is to collect money so these families can have income to buy food, basic necessities for their children," she says. And that goal has become far more challenging in this economic climate. 

"A lot of parents, are frustrated and stressed out. This is a trying time. And when you’re dealing with children and money and a bad economy, it evokes a lot of anger and frustration in parents. I don’t want to add to that agitation."

No one is immune to the economic downturn, says Spurlock. She has seen struggling parents along every part of the income spectrum, from laid-off factory workers in Perry Co. (with one of the highest unemployment rates in the nation) to downsized Dell and former GM employees, to bankers and executives in Williamson Co. (one of the wealthiest counties in the U.S.): "People who were previously earning from $5,000 to $10,000 (or) $15,000 a month, now who are out of work," she says. "One problem is they’re in denial that the economy will or will not get better, and they are hesitant to seek jobs in lower paying positions...And that is a big problem."

"I don’t believe a lot of people have accepted that their particular industry may not get better for a long time," she adds.

Which explains all those folders on Spurlock's desk, many of them requests from parents (who have been laid off or seen a big cut in their income) to modify the amount of child support they pay or receive. "Our modification case load has almost tripled," she says.

"Where that has been essential is for people who have been laid off, and now they’re on unemployment benefits," she says. "So if they were making $5,000, now they’re making $1,191.67  from unemployment income, and they’re gonna be asking for immediate relief because their income has drastically been reduced." But even unemployed parents have to pay something, she points out. She's empowered to give relief, but not to suspend payments altogether. "Well, your child doesn’t have that choice," she says.

A few statistics tell the story: Spurlock says her counties have seen a 6.97 decrease in child support collections since last year, and Tennessee is down 8.8 percent overall. "And that is a huge reduction in collections," she says. "...Every month this year, every county’s collections have gone down."

Spend a few minutes with Spurlock in her modest office, and a picture emerges: of a modest and practical crusader who's found her life's work and whose compassion extends to custodial and non-custodial parents alike. And she hates the term "deadbeat dads." It ignores the fact that close to forty percent of these non-custodial parents are moms, for one. "(And it's) not a fair label because a lot of people are trying, and I think that unfairly categorizes them. That’s like saying all lawyers are bad. There are some good ones in the bunch," she smiles. 

"(It's) one of those jobs you either love or hate," adds Spurlock. "You have to really care about people," she says. "I don’t represent either party, so I can step back and decide what’s best for the child."

Spurlock echoes Judge Smith's advice to parents facing job losses and increasing difficulty meeting their child support obligations: "Take action immediately to ask that your court order be reviewed," she says. "DO NOT just stop paying child support altogether...Don't wait until your unemployment runs out six months later and you're in a bind."

She also suggests that parents keep a record of where they're looking for jobs -- copies of applications or internet searches -- so they can prove they are seeking work in earnest.  -KDG



Tradecraft Holiday Wish List IV


Communications

A vital component of intelligence-gathering and surveillance is maintaining open lines of effective communication. Cell phones (equipped with a headset for moving surveillance) set up to handle three-way calling can work for many situations, but other circumstances demand an excellent two-way radio. The difference between a kids' toy for paintball games and a professional communications device for investigators is vast, a lesson we had to learn the hard way. Here's the product we eventually chose:


Motorola PR400 handheld professional two way radio

($517 Retail)


When it comes to mission-critical communications, there’s no choice but to go with the best quality you can afford. We researched two-way communication options for 6 months. We consulted with friends in the FBI and the Nashville Police Department. In short…we looked high and low.

Finally, after trying consumer-grade hand-held radios bought at the local hunting mega-store, we contacted Stan Duke over at Wireless Solutions. Stan patiently considered our operational needs and led us to the Motorola PR 400. It’s a simple, easy-to-use hand-held and, best of all, we can use it over a community repeater employing itinerant frequencies, assuring relatively secure communication and coverage for the entire metro area. Throw in a set of covert surveillance headsets, and we’re ready to launch our three-man moving surveillance team into action, rotating the pursuit vehicle seamlessly via radio, our subject none the wiser.

Monday, December 14, 2009

Tradecraft Holiday Wish List III


Book Suggestion:

The Real Spy's Guide

The Real Spys Guide to Becoming a Spy

By Peter Earnest with Suzanne Harper in association with the International Spy Museum.

I picked this book up in Miami a couple months ago while the team was in South Florida conducting interviews and doing a little training with our FBI pals. I intended to give it to a young friend, the son of one of my best buddies, as a gift, but, I am ashamed to admit, I fell in love with it and gave him, instead, a book on golf.

It’s published by Abrams Books for Young Readers, intended for kids, and written only just above my reading level. The amazing thing is that this book actually has some solid advice that field operatives could (should) know.

There’s the obligatory history of the craft, from the first recorded account of spying in the Court of King Hammurabi of Babylon to the 2008 arrest of Chi Mak, a naturalized U.S. citizen who sold secrets to the Chinese. There are lessons on spy speak, quizzes that help you decide if you have what it takes to be a spy, and really cool stories about actual spies.

You’ll find chapters on how to become a spy, what training is required, and what to expect in the life. You’ll be briefed on how to tell if someone is lying, how to create a cover ID, and how to work undercover.

But for my money, Chapter 6 is the reason to buy this book. It’s a practical guide to honing your skills as an undercover operative. I have bought countless books over the years that claim to be the ultimate text on topics like disguise and surveillance. This one chapter, however, may be the best written, most concise, and optimally useful single source for learning the trade.

I have taken this chapter and made it a kind of training manual for the [FIND] Investigations team. From the basics of keeping an open mind and being curious, to research skills, note taking skills, writing skills, and observation skills, this chapter covers it all and does so with an economy of words. You’ll learn valuable tips for improving memory, being aware of your surroundings, and remembering the details.

I am recommending this book as a gift for the curious kid in your life, that little James Bond wannabe who can’t put down the Alex Rider books, but in reality this book is just fun. Check it out on Amazon here.

THH

Saturday, December 12, 2009

Economy's Impact on Child Support - Close-up



A Follow-up to our "Marketplace" Story
Close-up: Judge Philip Smith



At [FIND] Investigations, a lot of our work as investigators for hire revolves around the custody of kids who are, or are soon to be, caught in the middle of a divorce or separation. We gather intelligence for clients that may ultimately influence how a child custody agreement is settled, including how much the non-residential parent agrees to pay each month. 

Earlier this fall, we started wondering what role the down economy plays in non-residential parents' ability to write that monthly check. Is the recession turning more stand-up dads and moms into so-called "deadbeats"?


New Lexicon: "Modification"

For starters, we turned to Philip Smith, Fourth Circuit Court Judge for Davidson County (Nashville, TN and environs). His duties include hearing cases related to child custody and support, divorce, and adoptions. His answer to our first question: "Have you seen big changes in child support payments because of the economy?" introduces a new term into our lexicon:

"We're seeing a lot more post-divorce modification of support," Judge Smith tells us.

Modification. It's a word we hear many more times as we delve deeper into this issue. Judge Smith explains that a request for modification can mean one of two things: 

1. a request by the "primary residential parent"  to increase the monthly support payment received OR 
2. a request by the "alternate-residential parent" to decrease the amount of support paid monthly. 

So the first thing we learned is that we needed to re-frame the question. The economy isn't necessarily turning a lot of paying parents into "deadbeats." Judge Smith says job losses, plant closings, and decreases in income have all affected parents' ability to pay. These are mostly honest dads and moms who just "need a break," he explains. And his docket is overloaded with these struggling parents, who are asking the court to temporarily alter the child support agreement they made in flusher times.

The question, framed more precisely, should have been, "How does an overloaded court system effectively collect child support during an economic slump?"


It's the Economy, Stupid

Before the recession, Judge Smith saw far fewer modification requests than he did contempt and enforcement cases -- in other words, "deadbeat" (in the traditional sense) dads and moms ducking responsibility by misreporting their income or by claiming they can't find work when it's clear they're not really trying. These days, he says, these folks are in the minority. But they're still out there, clinging to the economy as an excuse. "That's the first thing I hear in every modification proceeding is, you know, 'This economy has affected my ability to earn income.'" says Judge Smith. 

But it's not always easy to tell the honest, struggling parents from what he calls the malingerers: "They weren't working when the support order went down...and now they're claiming they don't have the ability to pay," he says. "They're not looking for other employment, they're living off other people. And the court's not quite as sympathetic with people like that."


Enforcement

He says enforcing the court order to pay in these cases can be tricky, but he has several tools at his disposal. For what he calls "W2 employees," he might apply a "wage assignment," which takes a portion of a parent's paycheck and credits the amount to the back support owed. He can garner up to half of a non-paying parent's unemployment check and can intercept tax refunds.

He might also revoke professional license, a driver's license, a passport, or even hunting and fishing licenses for non-payment. And he has the power to hold non-paying parents in either civil or criminal contempt of court in certain cases. Civil contempt is occasionally used to coerce an uncooperative parent who can pay to do so, by putting him/her in the slammer until he/she complies with the court order.

"They have the keys to the jailhouse in their pocket," says Judge Smith. "I.e. take that money out of savings and pay the support owed."

Criminal contempt, he explains, is purely a punitive measure...and a last resort. In these cases, the burden of proof falls on the petitioner (often the residential parent who is owed back payment) to show that the ex has the ability to pay: "Payroll records, tax returns, or proof that the person is making their mortgage payments, their electric payment, their gas payment, their cable bill, their internet bill, tithing to their church, their automobile payment...and checking account records." says Judge Smith. "Deadbeats" in criminal contempt can even face jail time.

Unfortunately, incarceration doesn't feed the kids in question. And, as Judge Smith points out, for some people who mostly live outside the system and the law, it isn't even much of an incentive.


Summary

Although the economy has affected a lot of non-custodial parents' ability to pay child support, one thing has not changed: "The primary residential parent's expenses still continue," Judge Smith points out. "And when we talk about a modification, we're not talking about a termination. Rarely is support terminated."

The takeaway message for custodial and non-custodial parents is this: you have somewhere to turn. For non-residential parents falling behind on support payments, Judge Smith has this advice:

"The best thing that I could tell anyone facing a job loss or some other reason to justify modification is to get in and file your action for modification. That will keep you out of trouble."

He advises struggling parents on both sides of the payment picture to avail themselves of the free services provided by their local Child Support Services office. (Click here to see a listing of Child Support offices in Tennessee.)

For our next installment of this article, we'll take a closer look at the tireless work of Rhonda Spurlock, head litigator for the Child Support Office serving Perry, Williamson, Hickman, and Lewis Counties.


Tuesday, December 8, 2009

Second "Marketplace" Story Airs


The second installment of our continuing series for "Marketplace" (American Public Media's nationally syndicated public radio program on business) aired on Tuesday, December 8. Marketplace asked Nashville private investigator Thomas H. Humphreys to look into the economy's impact on child support collections. Humphreys turned to Nashville Fourth Circuit Court Judge Philip Smith, Child Support Services litigator Rhonda Spurlock, and our esteemed colleague, expert PI Renee Waters for expertise. 

To find out how single parents are faring in this economy, where jobless dads and moms can turn for help, and to hear the moving story of how one deadbeat dad inspired Waters' life work, visit the Marketplace online archive, where you can listen to the story or read a transcript. 


*And if you love the swingy PI theme song that accompanies the piece, go see our composer Andy Schienman's website and hear more of his work.

Friday, December 4, 2009

Tradecraft Holiday Wish List II

Shorter winter days equal lots more nighttime surveillance for us private eyes. No problem! There's nothing sexier than high-quality night ops gadgetry. At least nothing we can think of.


Night Vision

The only night vision tool [FIND] Investigations endorses is the wonderfully simple Igen NV 20/20 fromNight Owl Optics. ($590 Retail)


This is one of the first tools we purchased for covert night time surveillance. It works in low- to almost no-light situations. Pop on the IR option and it works in total darkness (thought the IR light can be spotted at just the right angle). The field of view is good (70’ wide at 330’ range), the range is acceptable, and the unit is relatively lightweight (21 oz). The most impressive feature is the built in SD card slot and image capture option. There’s even a single RCA video out so you can record night vision video of your target snogging in that dark parking lot.



Illumination

The team at [FIND] Investigations has a long history of trying to locate the absolute best flashlight. I know it sounds a bit dim, but we love our torches. Two thirds of the [FIND] team are certificated FAA pilots. One team member is a certified flight instructor and commercial pilot with over 15 years experience. We know the importance of light and its potential impact on personal night vision and depth perception. If you simply crank on the overhead lights in your car while on surveillance several bad things happen at the same time. First, you’re operationally compromised. Second, you’ve just shot about 120 million rods into the realm of useless for about 10 minutes, up to 30 minutes. (Rods are found on your retina and see in black, white, and shades of gray and tell us the form or shape that something has. They are super-sensitive, allowing us to see when it's very dark.)


Avoid giving yourself away and ruining your ability to see at night by using a flashlight with a red lens or red bulb. That’s simple, but what about when the op is finished and you’re cleaning out the car, trying to discern if that jug in your floorboard is Gatorade or the similarly-colored human byproduct of consuming too much coffee? The red light simply doesn’t shine bright enough. Enter the Coleman/ LED Multi-Color flashlight, a torch that lets you choose between white, red, or green light.


Check out your local Academy Sports, Dick’s Sporting Goods, or Bass Pro Shop and find one of these. They sell for about $30. This is a great tool for the hunter in your house as well. Pilots, get one now!



Tuesday, December 1, 2009

Tradecraft Holiday Wish List


The Wickedest Spy Gear You Can Buy Without a CIA Budget Behind You

We here at [FIND] Investigations love gadgets. The problem is: we despise cheap trinkets. Skip the $200 multi-sensing debugging device that picks up every radio frequency in a five-yard radius. Forget about the Oakley look-alike sunglasses with the built-in camera that adds about two pounds and looks for all the world like Geordi La Forge’s wrap around eyepiece. And that teddy bear with the one odd colored button, leave it in your online shopping cart, but do not buy it. Our operational requirements and our extremely good taste demand the absolute highest quality gear we can afford. 

This holiday month, we'll feature our favorite must-have gear for the savvy spy. Every item listed here is included in our bag of tricks. We use these tools on a daily basis. They are solid, well built, quality tools that should be in every investigators go bag. 

Video Recorders

 

Sony HDR-XR200 Digital Handycam ($899.00 Retail)


This cam-corder is perfect for the field operative. Small, lightweight, and easy to use, this camera should be at hand at all times whilst on surveillance. Sony has imbedded a GPS receiver in the unit, making it the documenter's dream. When you capture that cheating wife coming out of the local shag-o-matic hotel, this camera not only records a high definition video, it uses GPS telemetry to geo-code the location and stamp the file with an indelible date/time reference. When you get back to the office to assemble your evidence and write your report, simply sync the newly recorded video to your map program and you’ve got location, time, date, and video all in one neat little package. 


MD80 Pocket Camera Recorder ($350 Retail)



It’s not a toy. This tiny, smaller-than-my-thumb video camera makes covert recording a breeze. You can clip it to your shirt, wear it around your neck, or just hold it in your hand. This pint sized recorder actually captures high-quality, usable video images and, if enabled, decent quality audio. The images are stored directly to the Mini SD card slot. Either hook it up to your computer using the USB cable (provided) or slip the Mini SD card out and drop it into your desktop card reader and drag the video files over to your computer, easy peasy.





Friday, November 27, 2009

Against Your Better Judgement


Check out
this NPR story about Terry Harrington, a man not merely wrongly convicted, but actually framed for a 1977 murder by Iowa prosecutors. It seems police and prosecutors manipulated and concealed evidence that pointed to another suspect, leading to the wrongful conviction of Harrington, who served 25 years before his conviction was overturned.

Harrington was black. The likely murderer was white. Did this fact play a role in what would seem to be the cynical and self-interested motives of an Iowa justice system determined to remove an unsolved crime from the books at any cost? That's a pretty difficult question to answer, perhaps even for the principal players involved. Certainly they allowed something other than facts to influence their prosecution of the case.

Most of us harbor some kind of prejudice, even if we don't know it. We make judgements. It's how we organize our observations about people and their behavior. 

But sometimes we don't even realize we're making a judgement. We unwittingly dismiss people or assign them motives based on our assumptions about their age, race, gender, profession, education, attractiveness, accent, or dress. Malcolm Gladwell writes about this phenomenon in "Blink," citing a variety of studies about how we perceive people instantaneously, before we are even conscious of our perception. Our minds make connections we aren't aware of, such as connections between black males and violence, in one of his examples.

And there's this startling pair of statistics: only around 14% of American men are more than 6 feet tall, as compared with more than 58% of Fortune 500 CEOs. Why the shortage of short men in corporate America's upper echelons? See this excerpt of "Blink" for Gladwell's unsettling assessment of how we choose leaders.

As investigators, these kinds of unwitting prejudices can hinder the quest for good intelligence. I found the following website interesting: Project Implicit has created a series of simple online keyboard-stroke tests that assess people's split-second reactions to information about race, gender, and other possible sources of bias. I took one of the tests and found the results both illuminating and fascinating. The race-bias test takes no more than 5 minutes, and it's almost like a quick video game. You can try it here. 

As if this all weren't confusing enough, it's not only our innate prejudices that can cloud our judgement. Sometimes information from clients, while often useful, can cause us to make assumptions about the subjects we're observing. That we're getting one side of the story is the very nature of the job. Even if our clients aren't actively trying to bamboozle us (like about 95% of Thomas Magnum's damsels-in-distress), they're likely to tell their tale with a slant that ratchets up the purity and nobility of their motives and actions. Who wouldn't?

Case in point: the client tells you his wife hires a babysitter and goes out every Friday and Saturday night. He shows you receipts from her recent shopping sprees at Victoria's Secret and a cell phone bill with lots of calls to a mysterious number. All this is factual, useful, and possibly telling information. Then he adds she's been unkind, distant, and dismissive towards him lately, often doesn't answer his calls, speaks to him sarcastically, and picks fights. Less factual and quantifiable--a fine line between reality and perception here. Then he throws in that his wife's a manipulative, high-maintenance gold-digger who spends all his money on shoes and spa visits and is a lousy mother to their two toddlers. This last bit's pretty much devoid of fact.

What do we do with all that information? It's easy to sympathize with the client here, buy his story at face value, and let it fuel a little righteous anger on his behalf. We want justice for this poor guy and his little girls, and it's our mission to help him by catching his wife in the act. Suddenly we're the righteous crusader, and our work feels meaningful in a way that sifting through trash and watching a parked car for ten hours sometimes doesn't.

But once we decide the subject's not only guilty, but also evil, that's all we'll see. To a hammer, all the world's a nail; now everything she does reads as evidence of her narcissism and deception. Heck, maybe she even reminds us of that ex-special someone who...let's say, left quite an impression back in the day.

Suddenly, we're not searching for truth anymore. We've been programmed to look for the answer we think the client wants, and we want to please him. Ultimately, this doesn't serve the client's interests any more than those Iowa prosecutors' eagerness to convict someone, anyone, served the public interest in 1977. 

The client hired us to find out the truth, even if he doesn't grasp that at first. And the truth in the form of "actionable intelligence"--facts backed up by admissible evidence--is what we need to deliver. All that additional info about the shoes and the domestic cruelty? We sympathize, but we file it into the "irrelevant" pile and remind ourselves, yet again, to keep an open mind.




Thursday, November 19, 2009

[FIND] Monthly Ledger - Volume 1 November 2009

[FIND] just sent out the first volume of the [FIND] Investigaitons Monthly Ledger. If you want to be in the know, need to know a guy who knows a guy, desire to be in on the latest news, take a moment to sign up for the Monthly Ledger. Thank you for taking the time to drop by the blog. More soon. THH

Friday, November 13, 2009

Investigator Skills - Facial Recognition Test

Have you ever wondered how hard it is for an investigator to remember details. It's why we make notes all day long, even when it seems that nothing of importance is happening. Details make the case. Can you pick a guy out of a line up? Do you notice faces and remember them?

This facial recognition test is cool. I ran across this little gem on the Pursuit Magazine website. Pursuit Magazine is the online journal of professional investigations, a great resource for investigators. It offers a small peek into one of the many facets of the the daily life of an investigator. Give it a try. Test your skills. See if you have what it takes to be an investigator. Click on over to the BBC here.

Monday, November 9, 2009

Loan Modification Companies - Avoid The Scams

Two things. First, if something sounds too good to be true, it likely is. Second, always, always, always verify that a company that's offering to, "make your mortgage problems go away," is licensed and operating legally. Final thought: no one can make the problem "go away."

Here's another story from one of my favorite blogs, the mortgage fraud blog, about yet another loan modification company trying to scam people out of their money.

*** from the Mortgage Fraud Blog***

International Co-op LLC, Meridian, Idaho, has been ordered by the Idaho Department of Finance to cease and desist unlicensed mortgage loan modification activities and illegally charging distressed Idaho homeowners exorbitant upfront fees.

Department of finance director, Gavin Gee, said that the department received complaints from three Idaho homeowners who had paid International Co-op LLC $1,500 to $2,000 on the company's representation that it would assist the homeowners obtain mortgage loan modifications. "On top of the company's failure to obtain a license, the affected Idaho homeowners received nothing for their money and are worse off than they were before," Gee said.Companies offering mortgage loan modification services in Idaho are required to be licensed and, other than a reasonable application fee, are prohibited from charging any upfront fees, said Gee.

"International Co-op LLC failed on both counts." During difficult economic times there are those who seek to prey on distressed homeowners, Gee warned. "The department of finance will continue to take action against mortgage loan modification companies that ignore Idaho's licensing laws and victimize Idaho homeowners in this way."

Thursday, November 5, 2009

Master of Disguise



Can you find Thomas H. Humphreys in this picture?


There he is!





Wednesday, November 4, 2009

FBI "Agent X" Trains [FIND] Staff at Firing Range

Say hello to my leettle friend.” –Tony Montana, aka “Scarface,” whilst launching a grenade from an M16 

South Florida conjures images of tropical rot, of beauty and decadence, of moral chaos. Admit it, if you’re over thirty, you most likely sum up the place mentally in terms of the Miami Vice opening credits: a racing Ferrari, bikinis, flamingoes, pastel hues, a glittering skyline, a cigarette boat ricocheting off the waves. Maybe there’s a little Scarface imagery mixed in there.

We at [FIND] are no different. And we found some, but not all, of what we expected.

Ferraris cruising South Beach. Check.

Gorgeous creatures in bikinis. Check.

Flamingoes. Nope, mostly iguanas.

Thomas H. Humphreys in pastel t-shirt with white blazer. &$%# no.

We did, however, say “hello” to one of the U.S. Government’s little friends: an M4 carbine that our FBI contact (henceforth to be known as “Agent X”) let us open up in a Miami firing range. 

Being a rather petite person with small hands, I found the Ruger .22 pistol somewhat more manageable. The Glock .40? Fuhgettaboutit. Too much gun for me. But with "Agent X's" guidance I managed to put plenty of .22-sized holes in the bull's eye (and a burn on my chest as a spent casing flew down my shirt--high comedy).

However, it wasn't easy to concentrate with the M4 carbine (pictured) blasting away like a cannon in the cubicle next to me. So, needless to say, I had to try the M4 out for myself.

Niiiiiice. Barely any kick, relatively easy to handle, even for a small person. Hello, Little Friend.  

The best thing "Agent X" taught me that day? The gentle squeeze. After I shot up a few targets, with middling results, he had me practice squeezing the trigger of an unloaded pistol ever so slowly with a spent casing resting on the back sights. The exercise: pull the trigger without dropping the spent shell. It made all the difference. 

I love great teachers.

-KDG

Beware, Mortgage Modification Companies

No seriously, I’m speaking directly to the mortgage modification companies. Be careful. Be very careful. Enough of your peers have scammed, cheated, and lied that the public is getting savvy, and apparently a bit touchy, about being ripped off.

This post is from the Mortgage Fraud Blog: Five charged in beating, torture of loan modification agents.

Thursday, October 29, 2009

Daniel Weston, 52, La CaƱada, Califorina, and Gustavo Canez, 36, Los Angeles, California, were charged with two counts of torture, two counts of false imprisonment by violence and two counts of second-degree robbery in connection with the beating and torture of a pair of loan modification agents. Read more…

Tuesday, November 3, 2009

The Cheater as "Rational Fool"

I’ve been reading a lot of nouveau-self-help-marketing books these days, which is a radical departure for me. On my granddad’s insistence, I took a Dale Carnegie course in high school, but aside from that, I’ve largely steered away from the self-help genre.

Lately I’ve developed a taste for some of these books and their straightforward morsels of wisdom, intended for entrepreneurs and artists and all of us who must market our products or services.

One of these wise little nuggets that keeps cropping up is this simple truth: Give people a reason to trust you. Marketing guru Seth Godin harps about this in his latest book, Tribes. Harry Beckwith noted it in his 1997 book, Selling the Invisible. Cartoonist Hugh MacLeod alludes to this several times in his book, Ignore Everybody.

This is a new concept, that you should be trustworthy?

I’m not poking fun at these writers for pointing out the obvious. Sometimes we need people to point out the obvious to us. It never hurts to hear, read, or entertain a new (old) idea.

A passage in MacLeod’s book, Ignore Everybody, brought it home for me: “Regardless of how the world changes, regardless of what new technologies, business, models, and social architectures are coming down the pike, the one thing the ‘new realities’ cannot take away from you is trust.”

Trust in business isn’t a new idea. Science journalist Matt Ridley explores the evolution of trust and cooperation in human society in his 1996 book, The Origins of Virtue. Viewing life as a vast tit-for-tat or prisoner’s dilemma game, you’d think most of us would conclude, time after time, that deceit is in our interest. (See the following illustrative clip from the British game show, Golden Balls.)

But Ridley argues that humans as a whole have instead learned to cooperate, to trust each other and trade fairly, and even to behave altruistically. In the prisoner’s dilemma construct, as in life, cheating might benefit the cheater in the short term; he's a sort of offshoot of Amartya Sen's homo economicus, a "rational fool." 

But developing a reputation for honesty and fair play benefits the moral person in the long-run. Business doesn't always have to be a zero-sum game. Communicate clearly, establish mutual trust, and everybody wins.

Case in point: occasionally, clients will ask me to slap a GPS tracker on a subject’s car. That surely makes surveillance easier, but I’m not willing to do it. Bottom line—it’s cheating.

First of all, it’s illegal in Tennessee, a Class D misdemeanor. Secondly, it removes the creative, problem solving, part of the job almost entirely. It’s a crutch that inhibits the kind of free thinking this job requires.

I have friends who rely entirely on GPS map systems to navigate. They key in their destination, listen to the computery voice coolly issue directives in stilted English, and follow mindlessly. They don’t know how to read a map. They can’t think in terms of cardinal points on a compass. Without that bossy electronic voice, they are helpless.

I love GPS. I’ve used it hundreds of times while flying and sailing. But as an old Kiwi sailor once told my wife Kim, “GPS is a navigational aid. It all comes ‘round to you in the end.”

Likewise, using a GPS tracker removes a good deal of the “you” from the equation. If you’re fully engaged, you’re thinking about where your subject might go and why, anticipating actions based on your observations and knowledge.

Is he wearing workout clothes? Does she seem anxious or dejected in the Safeway checkout line? Is she dressed to go out and in a desperate hurry to drop off the kids? Using a GPS tracker you’d never know. You simply get an alert that the subject is at the alleged paramour’s apartment and you drive over and take pictures. You’re missing the wider picture, the sense of direction and broader understanding that you only get from doing the work the hard way.

I tell my clients up front that we do not use GPS trackers. They’re not legal. Losing my investigator’s license to win a client or make a case a little easier is an example of short-term, “rational-fool” thinking.

This approach may cost a little bit more in surveillance fees, and it may lose me an occasional client. But when I’m on the stand and the opposing attorney asks, “Did you at any point use a GPS tracking device to follow my client?” I’ll be able to say with conviction, “No, I did not.” I stay out of trouble, and my client’s attorney isn’t stuck with expensive, inadmissible evidence.

 It’s not hard. It’s a matter of trust.

-THH