Category: Money

TRUE SCAM STORY and how to avoid it

TRUE SCAM STORY and how to avoid it

It started with a friendly phone call about software support. It ended up costing the church over $700 and a boatload of trouble. Just to relieve your mind, no church member’s Social Security numbers were exposed, and we’ve contacted the half dozen employees and former employees that might have been.

On May 20, 2019, our office received a call from a nice guy named Matt Roberts, claiming that he was our new Quickbooks account representative and providing a phone number for product support (note: Intuit owns Quickbooks). We wrote the number down and thought nothing of it. In March of 2020, we had an issue and called Matt. They forwarded us to Lisa, who explained that we had a corrupted file, and to fix it, we needed a new software support subscription. We thought we had all the support subscriptions we needed but, I was in a hurry that day, we couldn’t issue a payroll check until the problem was solved, and software support is always expensive. We had just switched to Windows 10 and knew that there were potential issues with corrupted files. Finally, we believed we were talking to Intuit.

We weren’t. We were talking to a shadow software support firm called QB Support Solutions. But we still did not know that. They required a $700 one year subscription and remote access to our computer to fix the problem. My office admin assistant said, “Something doesn’t seem right about this.” I should have listened. But Quickbooks is not my thing, I don’t know how to fix corrupted files, the people sounded genuine, and as I said, we were in a hurry. We paid with an e-check straight from our bank, gave them access to the computer, and they fixed it—end of the story.

Except it wasn’t. Two weeks ago we had another issue with the computer. The office admin called QB Support and got the run-around. In the meantime, we thought we had evidence that someone was trying to access the office computer without permission remotely. We finally started digging. We called Intuit directly. They fixed the problem in about an hour. That’s when we discovered that Intuit won’t call you unless you request it and they will always leave a case number for the call. QB Support Solutions is not an Intuit company or contractor, Matt and Lisa are not and never have been Intuit employees, and their phone numbers have never been Intuit numbers. We also discovered that the physical address on QB Support Solutions letterhead did not match the same on their website, GoogleMaps cannot find their physical address, and they won’t return our phone calls.

We froze all outgoing checks from our account for two days, opened a new account, consulted with an IT specialist, closed the old account, and got the computer fixed.

We got scammed. But it could have been worse

Software scams are much like spiritual scams. Jesus said the devil is a thief and a liar. The Apostle Paul warned us to be wary of the devil’s schemes. He deceived us in the garden, and he is still deceiving today. A few parallels with our spiritual lives might help us avoid both kinds.

Deception is most potent when we have a pressing need, we don’t know how to meet it, and we’re in too much of a hurry to think it through. We’re lonely but can’t find the relationship we need. We need money and don’t know how to get it. We’re goal-oriented but feel stifled. Or we need to process a paycheck but can’t make the software work.

Deception looks like the real thing and sounds genuine. It fits a pattern that worked in the past and fulfills a need in the short term. It plays on our trust. Alarm bells may sound, but we don’t have time. A short-cut appears, and we take it. In the end, it “bites like a serpent and stings like an adder.”

These may seem obvious, but a few things to do if your alarm bells are sounding:

  1. Listen to the alarm. Pay attention to what it is telling you. (Gal. 5:21; 6:7-8; Acts 20:31).
  2. Slow down. Postpone whatever is next on your list—it probably wasn’t that important anyway—and work the problem. (Prov. 19:2; 25:8).
  3. Dig deeper. Go to the source. Read the Scriptures. (Matt. 22:29; Acts 17:11).
  4. Take action. (Prov. 6:1-5; 1 Cor. 6:18; 10:14; 1Tim. 6:2-12).

CAR BUYING AND CLIFFORD THE BIG RED DODGE

CAR BUYING AND CLIFFORD THE BIG RED DODGE

The government is back in business which means so is the IRS! Looks like you’ll have to do that tax return after all.

Tax season is also car buying season. The annual refund, the largest chunk of cash some people see during the year, is often planned for a down payment on new wheels. I was an ASE certified technician before I was ordained. I like helping people with their cars and I really hate it when unscrupulous dealers and technicians take advantage of my friends. So, here are a few tips on lowering your cost of transportation.

Spend Smart

Financial guru Larry Burkette said, “The cheapest car you will ever own is the one you’re driving right now.” I’ve seen the exception, but the exceptions prove the rule.

The costs of owning a car will continue to rise. Borrowing money to finance a new car over many years will cost much more than the average repair bills for the same car if you keep it five to ten years after it is paid off. I’ve driven Clifford the Big Red Dodge for eleven years and 100,000 miles and, even though I no longer perform all repairs myself, he pays me to drive him now.

Cash is the best way to buy. Driving isn’t free, so why kiss off all that interest on a loan? Make car payments to yourself, even after you pay off the one you’re driving now. In five years you will be able to afford a nicer used car. If you can’t pay cash, borrow smart. Home equity loans usually have better interest rates than car loans. Military and Credit Unions are also good bets. Shop the lenders and remember most used car lots that provide their own financing make more money loaning money than they do selling cars. The interest rates are exorbitant. You don’t have to pay them if you’re willing to shop.

Shop Smart

Most private sellers have migrated to Craigslist but watch for scammers there. My two favorite sites are Autolist, which has a very usable smartphone app, and Auto Trader.

Tap the net for reliability ratings. Consumer reports.org offers a one-month subscription to its auto ratings web-site. Their reliability ratings are the best and most objective in the business. Study results for engine, transmission, brakes, and air conditioning as these are the most expensive repair items. The higher the rating, the less the car will cost to own in the long run. Also, the higher the mechanical reliability, the higher mileage car you can purchase. A ten-year-old car with 110,000 miles on the clock can cost 25% less than a six-year-old car with 90,000 miles on it, and the difference in quality and reliability is negligible. Older cars are also cheaper to insure and incur lower taxes.

Look for ‘One-Owners.’ When buying from a dealer check the CARFAX and look for one owner cars with no damage history and clean titles that come from low corrosion, low flood probability parts of the country.

The best used cars come from the best owners. A guy who bought it new and had all the maintenance done as per ‘the book’ is rare, but he is the best because he can substantiate its history. Older sellers are usually better because they drive less and can afford to take care of their cars.

Talk to the owner. The seller’s character is as much a part of the deal as the new tires he just installed. Take someone along who is a good judge of character if you aren’t. You aren’t just buying a car; you’re buying a maintenance history. After I’ve picked a make and model I shop for the guy who’s been taking care of it for me for the past six or eight years.

Run Smart

Finally, have it inspected by a competent technician. Have him provide a list of potential problems and costs. If he has any serious reservations, walk away from the deal. Also, use him for regular oil changes and ask him to keep an eye on critical systems. He will save you money and increase reliability by doing required maintenance that can be budgeted and scheduled, rather than waiting for an expensive breakdown.

You can save thousands of dollars per year on the costs of driving. You don’t have to be a mechanic, and you don’t have to drive a ‘junker’ to do it. All it takes is a little homework and a little discipline and you can enjoy a great car as well as a higher standard of living.

MAN OF THE HOUSE C. R. Wiley’s interesting handbook for serious men

MAN OF THE HOUSE C. R. Wiley’s interesting handbook for serious men

John is a grizzled grey, mid-fifties motorcyclist who thinks most people have their heads in the sand about disaster preparedness. “My friends laugh at me, think I’m crazy,” he said, “but I’m like, ‘Dude, you buy life insurance, right? You buy health insurance. Why wouldn’t you buy a little disaster insurance by setting a few things aside and being prepared?’”

John has a “bug-out ranch” a few miles outside town fully equipped with food, water, fuel, and guns.

I met John in Austin, Texas, on assignment for a journalism course last January. We were doing post-hurricane Harvey “man on the street” interviews to see how prepared people were for disaster. The answer was, and I include my fellow motorcyclist in this, not very well.

That’s part of the reason C. R. Wiley’s Man of the House: a handbook for building a shelter that will last in a world that is falling apart, caught my eye. Guys like John—also known as “preppers”—are realists about the potential disasters we face but are mostly thinking about themselves.

Wiley is not a prepper in the strict sense. He isn’t writing about how to stock your bug-out bunker with enough food and ammo to survive a sudden catastrophe but a long slow one. And not just for yourself, but for your children and grandchildren. “I am convinced,” he writes, “that the world as we know it is like a drunk that just won’t hit bottom. When things get bad, it sobers up a little and promises to change its ways—then when things get a little better it’s back to binge-drinking again. But there will come a day when we find the old boy comatose and gone for good. If we work at preparing for that day, we may find that we are more relieved than saddened by the end.”[1]

Man of the House picks up where the turn-of-the-century Christian men’s movement dropped the ball. Finally, someone has left “the elementary teachings about the Christ,” and gone on to maturity. Wiley assumes a basic understanding of the gospel and spiritual life and moves on to the practical matters of living out the faith in an increasingly unstable world. He unearths the ancient idea of the household, not as a place to eat dinner, watch a sitcom, and go to bed—a place from which we depart every day to work in the “real world”—but as it once was: a spiritual, social, economic, and political shelter that creates a world for generations of those who come under its roof.

Having given that endorsement I hasten to add that I disagreed with some of his ideas and found others not quite wrong, just over-torqued. Still, he is at least asking the right questions and offering thoughtful answers, a rarity in Christian men’s books.

Most guys don’t like to read, but this one is written to men for men. Wiley is a preacher, but unlike many of my kind he doesn’t waste words just because it comes easy (See? Those last five were superfluous. I can do this all day!). He uses what I call “man-speak.” Reading his book is like sitting around the table with Lewis and Clarke, planning their trip or a group of engineers and thinkers, planning to build a city. Serious men gathered for an interesting, challenging job, with enough humor thrown in to keep everybody’s egos in check. At twelve chapters and 135 pages it is also short. Each chapter takes about 15-20 minutes to read.

If you’re a young man trying to figure out how to navigate your family through this unstable world you would benefit from this book.

[1] From the Introduction.

LAUNCHING THE LAST ONE: Five things I would say to myself as a young father

LAUNCHING THE LAST ONE: Five things I would say to myself as a young father

The last of my three daughters launched today, off to pursue her calling as a storyteller and begin her career as the digital video and media producer for a private university in a neighboring state. I couldn’t be happier for her or prouder. She worked hard and smart and with the grace of God achieved her goal. A biblical paraphrase comes to mind: This is my beloved daughter in whom I am well pleased. Followed by, WATCH OUT WORLD, HERE SHE COMES!

I am, of course, exceedingly proud of all three of my daughters, each of whom loves God and others, serves their respective churches, has happy, healthy relationships, and have become self-supporting adults who will contribute much to society. But watching the last one launch reminded me of how fast it all went by and how often I wondered how it all would turn out. No human life is without trial and tragedy. Our girls did not escape serious illness, hidden trauma, and acquaintance with sudden death as they grew up.

Knowing this, many people choose not to have children, but I’m so glad we did.  With 20-20 hindsight, here are five things I would say to myself as a young father.

First, don’t wait till you can afford it. I was earning less than $10 an hour when my second daughter was born. We had maternity insurance, but still, given our conviction that my wife should be at home with the kids till they entered school, (she home schooled them through third grade), times were tough. We used the envelope system of cash management and my wife was a champion shopper. God is faithful and provided just what we needed when we needed it. If you wait till you can afford it, you can become more attached to your standard of living than is necessary to raise healthy children.

Second, be present in their lives. The best parenting advice I ever got came from a very successful friend. “Don’t let your ministry consume all of your time,” he said. “I’ve worked too much and lost touch with my sons. I wouldn’t want to see that happen to you.” It was only too true. Sadly, one son took his own life as a high school senior. Some things only a dad can do and some things only a mom. They need both of you in their lives. This will require sacrifice of other things that may seem more important. Make the sacrifice.

Third, hold the reigns loosely. Keep the picture of the mature adult you are aiming for clearly in mind and guide them toward it, but don’t over control. Don’t let the daily details—the foolishness of youth, the ups and downs of adolescence—discourage or enrage you. Hold your temper and your tongue and keep the big picture in mind.

Fourth, be the storyteller in their lives. Read to them—the Bible and other good books—before they know what a book is and manage well what they watch and read as they mature. That includes, of course, worshiping with other believers each week, living out the story of the gospel in the body of Christ. The storytellers of a culture shape the values of a culture and of a family. Discuss what you read and the sermons you hear “as you go in and out, as you rise up and sit down,” in the car and at the table, everywhere life happens. Make sure they know how to analyze every story from the biblical worldview. Then they will know how to write their own.

Finally, let them fail and learn how to stand up again. “Success is never final,” the saying goes, “and failure is never fatal. It is the courage to continue that counts.” Life is no Disney World, and the sooner they learn how to suffer defeat and keep going, the better.

“Forgetting what lies behind and straining toward what lies ahead,” wrote the Apostle Paul, “I press on toward the goal to win the prize for which God has called me heavenward in Christ Jesus.”[1] I’m so glad I became a dad, and look forward with great anticipation to see what God is going to do next in my daughters’ lives.

[1] Philippians 3:13-14.

 

BEWARE BLACK FRIDAY

“Watch out! Be on your guard against all kinds of greed; a man’s life does not consist in the abundance of his possessions.” Jesus (Luke 12:15)

One of our church members, who worked in a well-known department store, mentioned something one Thanksgiving week that made me gasp. “I have to be at work at 2:00 AM next Friday morning.”

The next day, at the teen ministry I co-sponsored at the middle school, one of the kids said, “I can’t believe it. My mom is waking me up at 1:00 AM Friday to go shopping!”

I confess that I am not a serious shopper. I know that it is sensible to try to save money by taking advantage of sales. But let’s be honest about this, Black Friday is a Greed Fest, a singularly American celebration of buying and selling that rivals any other holiday on the calendar. (Note: Holiday is a word derived from Holy Day – a special day for celebration of the deity). Our dedication to getting THE DEAL on the latest trendy toy or 4G gadget is so fanatical that we will stand in line in sub-freezing temperatures at two in the morning and then literally run over each other for the limited supply of DOOR BUSTING BARGAINS! (Lucky for you southerners this year, the temps will be mild).

Let’s not kid ourselves. This is worship. Worship includes sacrifice, adoration and celebration. Fanatical dedication to Black Friday shopping has all the ingredients. There is sacrifice. Can you remember the last time you got up at two in the morning to pray or give or serve or go to a worship service? There is adoration. “Wow! I’ve always wanted one of these!” And there is celebration. “Can you believe it? What a DEAL I got!” We don’t like to admit it but this kind of activity is what worship is made of. It is the great American sin that we never condemn. But the apostle Paul puts it right up there with the sins we do condemn.

Put to death, therefore, whatever belongs to your earthly nature: sexual immorality, impurity, lust, evil desires and greed, which is idolatry. Because of these, the wrath of God is coming. You used to walk in these ways, in the life you once lived. But now you must rid yourselves of all such things as these…( Col 3:5-8 NIV)

One day in the department store is no different from any other. Shopping on Black Friday is not a sin. Looking for bargains is not transgression. And if you are going shopping on Friday I hope you find what you’re looking for. But beware the ethos of Black Friday — the culture that celebrates the abundance of possessions as life’s highest good. There is much, much MORE to life than finding Friday’s best bargains.

ADVICE TO AUTOMOTIVE WIDOWS & ORPHANS

 

You know your kids are growing up when they write and say, “Dad, I’m beginning to see the wisdom of a mini-van. How can I find a good one?”

My kids aren’t the only people who ask car questions. I’m meeting one of our congregation’s widows today to advise her about her next car. Last week I checked out another member’s car, one of the most terrifying examples of automotive inspection malpractice I’ve ever seen.

My church knows that I was an ASE certified technician before I was ordained. I like helping people with their cars and I really hate it when unscrupulous dealers and technicians take advantage of my friends.

Car buying is one of the most stressful things Americans do. It is also one of the most costly. If you’d like to know how to save money and get an excellent used car, this article is for you.

The first step to saving money and having an excellent ride is, well, saving money.

Pay Cash If You Can, Borrow Smart if You Can’t

The late Larry Burkett had a great maxim for car buyers, “The cheapest car you will ever own is the one you’re driving right now.” I’ve seen the exception, but the exceptions prove the rule.

The costs of operating a car in this country will continue to rise. Borrowing money to finance a new car over many years will cost much more than the average repair bills for the same car if you keep it five to ten years after it is paid off.

Cash is the best way to pay for a car. Driving isn’t free, so why pay the bank and kiss off all that interest? Make car payments to yourself, even after you pay off the one you’re driving now. In five years you will be able to afford a nicer used car. If you can’t pay cash, borrow smart. Home equity loans usually have better interest rates than car loans. Credit Unions are also good bets. Shop the lenders and remember most used car lots that provide their own financing make more money loaning money than they do selling cars. The interest rates are exorbitant. You don’t have to pay them if you’re willing to shop.

Shop Smart

Most private sellers have migrated to CraigsList. My two favorite sites are Autolist, which has a very usable smartphone app, and AutoTrader, which doesn’t.

Tap the net for reliability ratings. Consumer reports.org offers a one-month subscription to its auto ratings web-site. Their reliability ratings are the best and most objective in the business. Look for red bubbles under engine, transmission, brakes, and air conditioning, as these are the most expensive repair items. Stay away from any cars with black bubbles in those areas. The higher the rating, the less the car will cost in the long run. Also, the higher the mechanical reliability, the higher mileage car you can purchase. A ten-year-old car with 110,000 miles on the clock can be 25% less than a six-year-old car with 90,000 miles on it, and the difference in quality and reliability is negligible. Older cars are also cheaper to insure and incur lower taxes.

Look for ‘One-Owners.’ When buying from a dealer check the CARFAX and look for one owner cars with no damage history, clean titles, from low corrosion, low flood probability parts of the country.

The best used cars come from the best owners. A guy who bought it new and had all the maintenance done as per ‘the book’ is rare, but he is the best because he can substantiate its history.

Talk to the owner. The seller’s character is as much a part of the deal as the new tires he may have installed as incentive. Take someone along who is a good judge of character if you aren’t. You aren’t just buying a car; you’re buying a maintenance history. After I’ve picked a make and model I shop for the guy who’s been taking care of it for me for the past six or eight years.

Run Smart

Have it inspected by a competent technician. Have him provide a list of potential problems and costs. If he has any serious reservations, walk away from the deal. Also, use him for regular oil changes and ask him to keep an eye on critical systems. He will save you money and increase reliability by doing required maintenance that can be budgeted and scheduled, rather than waiting for an expensive breakdown.

You can save thousands of dollars per year on the costs of driving. You don’t have to be a mechanic, and you don’t have to drive a ‘junker’ to do it. All it takes is a little homework and a little discipline and you can enjoy a great car as well as a higher standard of living.