Phishing Alert: American Express

Watch and share the below video that I did of a phishing email scam stating my American Express card was “locked” and that I needed to click a link to “unlock” it. The subject line was “Attention needed on your account”

I also sent all evidence to the law enforcement agencies who oversee these types of scams. If you receive this type of email, please report it to these agencies (and more as applicable or seen in the video).

FOR THIS SCAM:

The email says it’s from “American Express” but the email address is…

peterpauljung@t-online.de

In case you are unaware, you can usually see the full email address but if not, try holding your cursor over the email name and it should reveal the entire email address as a mini pop-up by your mouse pointer, or in the lower left hand corner of your screen. Same with hyperlinks in email messages. Do not click!

For the purposes of public awareness through making videos of these things, this is what I do:

  • right click the email address or hyperlink (ie: “Unlock Card here”) and paste it in notepad program to remove secret code, or write it down by hand.
  • Then I type it in the address or URL bar
  • Enter

Please don’t do this at home, I have incredible security systems on my computer & server, so I am confident I am safe and have never had any problems.

**** CLOSE UP PICTURES BELOW VIDEO ****

** WATCH & SHARE THIS VIDEO **

 

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SCAM ALERT: “Conviction in Canada Traffic Court”

Watch and share the below video that I did of a scam stating I was convicted in a Canadian Traffic Court.

I also sent all evidence to the law enforcement agencies who oversee these types of scams. If you receive this, please report it to these agencies (and more as applicable).

FOR THIS SCAM:

The email says it’s from “The Provincial Court of Alberta” and the email said I owe a fine amount total of $651 and gives me a convinction date, date of offence, ticket number, and links that say it’s a government website. The email they use is “notice@albertacourts.ab.ca”

**** CLOSE UP PICTURES BELOW VIDEO ****

** WATCH & SHARE THIS VIDEO TO AVOID GOING TO JAIL **

 

 

 

** THIS guy scams the scammers (legally).

** THIS person almost fell for a scam.

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Psychology of Internet Bullies

Because of my former assistant, Darlene’s mistake on July 1, 2019, I was personally victimized by internet bullies, and malicious haters and trolls across all of my social media account but especially Twitter and Goodreads. Ironically, Darlene had not even mentioned this main cyberbullying, troll, hater by name (CM), so I’m not even sure why CM immediately took ownership of Darlene’s anonymous post.

But, because I usually choose to walk the high-road, once I saw the Twitter exchange, I privately emailed CM and apologized for Darlene’s post (which I haven’t even seen), and informed CM that I terminated Darlene (which I did).

Literally, CM and her equally-malicious followers spent hours of their day with nothing better to do than to berate me for something I literally had no knowledge of. It may have been different if we shared an office. But we both work from home and she lives across the United States from me.

It is my fault however, that I didn’t micromanage Darlene. Proof of my error is that I had absolutely no knowledge of what Darlene was doing on social media (which may be why she mentioned me in her seemingly-offensive post but did not tag me (so I wasn’t flagged). Had she tagged me, I would have demanded she take it down. I only found out about it after a couple of my collaborating authors in the GBF series alerted me.

However, I’m sure I’m not the only employer who had a very trusted employee in which we felt micromanaging was not necessary. Afterall, she had been with me for 9 years and I never had a problem other than a couple reports about her being a bit sarcastic. But a couple reports in 9 years is hardly enough to warrant police patrol. However, at the time of those reports, I did handle the complaints immediately and, to my knowledge, she had gotten better because I did not receive any more complaints. 

Anyway, what all this cyberbullying did was cause my volunteer-writers-only Girl Behind the Fence (GBF) series to be cancelled (and authors are very sad), my social media accounts to be shut down, and I physically and emotionally withdrew. I shut off the phone, emails, put on my pajamas, and spent 13 hours nursing symptoms such as a horrendous migraine. Yet during that time, I was able to repeatedly reassess everything that had gone on. When I turned my phone back on, I received a notice that Darlene had called and left an apology message.

((I once wrote a blog post about how “professional badmouthing says more about the talker” than it does about the talker’s target but I can’t locate the post anymore. If I can find a copy of it, I’ll republish it. However, it’s true)).

Anyway, in the process of reassessing things, I decided to do some research on the mentality behind online bullies, malicious trolls, and professional haters such as CM and her sidekicks.

This is what I found… 

A research team from the School of Health and Life Sciences at Federation University in Australia carried out a study to analyze the personality traits of these kinds of people. They discovered they actually scored much higher than others in two important personality traits: psychopathy and cognitive empathy. 

What does that mean?

Psychologist Dr. Robert Hare has been researching psychopathy for more than 30 years and he stated: psychopaths are easily bored, need constant stimulation, and are unable to set long-term goals. They’re manipulative and need to feel like they have power and control over others. Psychopaths also have narcissistic traitsSure seems to sum-up CM and her sidekicks the 1st week of July. Who else would spend nearly a full 24-hours wasting time trying to sabotage little ole’ me for trying to help our readers heal from destructive attitudes, beliefs, emotions, thoughts, etc?

According to Dr. Hare and the study, these people have serious impulse control problems and react with anger. Individuals with this disorder have problems with social and moral norms (abnormal). However, they’re often superficially charming (fake) and seem well-adjusted (keyword: seem).

Psychopaths think highly of themselves. Inflicting pain on others gives them pleasure. It’s often said that psychopaths lack empathy”, but that’s not exactly true and here’s why… 

The study also reveals the “dark side of empathy”…

Emotional empathy and cognitive empathy are both cognitive processes. However, there are significant differences between them involving the activation of different parts of the brain. 

You can read the complete study / article HERE but let me first share this about the “dark side of empathy” per the article.

There’s a kind of “cold” empathy that is not as well known but online evil-doers have high levels of it. In other words, these online bullies, trolls, and haters can identify someone else’s suffering, but they don’t feel it. In fact, they are able to predict and recognize their victim’s emotional suffering. They then deliberately use their knowledge to cause the most damage possible. 

They often don’t even read people’s posts or they just skim them and reinterpret them to fit their motives. (This is exactly what CM and her sidekicks did). 

Again, it sure seems to sum-up CM and her sidekicks, and what they attempted and somewhat succeeded in doing to me last week. However, if you pay attention to her page, that’s all she seems to do & enjoy. Here is an example. She likes to “name and shame” without knowing the full story so I decided to “name” her in this post.

How in the world does she have time to write books if she’s always cyberbullying someone or starting shit online? And the genre she writes is romance. That’s very surprising because her personality sure seems far from warm and fuzzy. Perhaps she’d be a more successful author if she wrote murder mysteries, lol.

Now, check this post out!

Oh, and she tried to claim (via Darlen’e post) that I expect professionals to work for free. That’s not true. However, I did ask women who were friends and family members of mine if they would like to write a story to contribute to the GBF series, which was a passion project for me.

In my opinion, there is a big difference between the intention of all people who do things to help others and those who do things to make money. The GBF series was about helping people fulfill goals. For example, the series allowed many women to realize their dream of becoming a published author and, on the flipside, it allowed readers to realize their dream of shifting their mindset so they can break free from things that may be holding them back (ie: anger, anxiety, codependency, loneliness, etc.)

Update as of 7/18/19:

At first, I was emotional and had become so tired of fighting against jerks, bullies, and downright a-holes all of my life, that it’s just easier now that I’m older to just quit. But I have never been a “quitter”. I mean, Jesus was tortured and he kept going, so my “pain” seemed a whole lot more bearable.

So, after my much-needed break to think everything through, I realized that CM et al (those who caused all of the above) are just mere, tiny specks in a world of billions of specks. I never heard of them before this “situation”, so why should I let them put a stop to my passion project that could help millions of women across the world? They judgement upon me should not reflect my judgement upon myself so…

I have decided to be like a Phoenix once again and rise-up from the ashes. Therefore, the GBF series is once again “on” and it will continue until all of the series books are published as originally scheduled. I will see this project through to the end because it’s what I want to do. Ladies, if you’d like to participate in the GBF series, check this out.

Now my only question is… since Darlene wants her position back, do I rehire her ? Did I terminate her due to my emotional upheaval? I do know that, had this “online harrassment” with CM and her groupies not occurred, Darlene would’ve never been terminated.

What are your thoughts?

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In closing, while there aren’t any studies on how to stop trolls, ignoring their attacks seems to be the best way to avoid giving them more power.

So from this point forward, that’s what I’m going to do. 

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Post by Ms. Mozelle Martin

 

Never Use Insurance for Mental Health Treatment. Here’s Why…

I have been in my field of forensics and mental health for over 30 years. Some of my experience was as a Sexual Assault Advocate, Domestic Violence & Anger Management Group Facilitator, Crisis Therapist, Clinical Liaison for a Regional Behavioral Health Authority (RBHA) for the Seriously Mentally Ill (SMI) adult population, a Forensic Mental Health Professional (FMHP) in jails and prisons, and have been a supervisor of over a dozen trauma therapists for 10+ years. I am only telling you this bit of bio information so you can feel confident that I am qualified to tell it like it is. You see, one thing I witnessed consistently was how using insurance to pay for mental health treatment screws the client over in many ways. Therefore I decided to write this blog and, although it is more of an article than a blog post, I am confident you will agree that sharing this knowledge is much more important than length.

However, I am not only writing it to share with you – my blog readers – but also to help educate my agency’s prospective private CG clients who often ask “Why don’t you accept insurance?”

The SHORT answer is “BECAUSE I CARE”.

The LONG technical, “let-me-count-the-reasons” answer is below…

In order for anyone to use their insurance for mental health treatment (or get reimbursed), the therapist is required to diagnose (“label”) them. Why is that an issue? Because most people do not want their “label” to be part of their permanent, official records which follows them everywhere.

CASE: I remember Lora, a 27-year-old Caucasian female who, within a 3-week time-frame was laid-off from her job of 12 years, her car was repossessed, her husband had an affair and moved out, and she lost her home in the 2008 housing crash. In addition she was now facing a divorce and trying to raise a set of 3-year-old twins on her own. When she came into the county’s mental health clinic with an emotional breakdown, she was depressed, her anxiety was uncontrollable, she gave temporary custody of her children to her mother, and she was having suicidal thoughts.

Her employer-paid insurance was still active until the end of the month and, because she had insurance, Jerry (the therapist), “labeled” her Bi-Polar with Adjustment Disorder  just so he could bill her insurance (get paid).

While Jerry was doing what he was supposed to do, I personally had an issue with this and ethically disagreed with the process. I mean, who wouldn’t have a breakdown and act “bi-polar” with all that hitting our life at once? Who wouldn’t have a difficult time “adjusting” to all of that?

When the dust settled, and she was reemployed, worked it out with her husband, found a great apartment, and obtained the gift of a car from her parents… she was “normal”. In fact, she had not presented with “bipolar” symptoms of any kind before or after that one instance. But, because it was now “officially” on her permanent record, every provider and insurance company (including life insurance) will be essentially told that she was diagnosed “Bipolar with adjustment disorder” and nobody can remove it.

For the rest of her life this label will follow her everywhere which can affect her eligibility of many things… all because she had a shitty three weeks.

That brings me to…

Now let’s say you wish to use insurance to pay for mental health treatment… because your insurance company is paying for it, they have a legal right to look in your records whenever they want to.

That means any representative of the insurance company will be able to see all of your private information – the traumas, the emotions, the “skeletons in the closet”, and more. In other words, if the insurance company tells the receptionist to audit your file, that $10 / hour receptionist has access to it all. Let’s hope it doesn’t become the topic of her Facebook page.

Then let’s not forget about the others involved in this process… when Jerry submitted Lora’s documentation to the insurance company, others saw the nitty-gritty details too, such as the mail clerk who opens and disperses to the appropriate department, the case manager, the processor, the peer reviewers, the customer service reps, and, if not disposed of properly (and many aren’t), even the cleaning people. In other words, HIPAA does not totally keep your information confidential.

Also, if you ever have to go court like Lora did… divorce, custody hearings, or as a witness, the “legal beagles” have a right to request all of your records and especially mental health records… and they will. Finally, there is not typically a statute of limitations on mental health diagnoses so, once entered into the Medical Information Bureau (MIB) and other systems, it becomes a “pre-existing illness”. My husband sells life insurance, and has for over 20 years. He has seen many people get turned down for situations like Lora’s… even for small policies. 

CASE: let me tell you about one of my husband’s most recent clients, Moses. Moses had sought coverage from his Employer Assistance Program (EAP) because his child, age 14, had committed suicide. He was clearly and understandably troubled with grief and yet the insurance company labeled him with “Generalized Anxiety Disorder” and because it was not one of the “covered services” (not a drastic or severe enough label), they would not cover it. Instead, he was slapped with the rejected EAP bill of over $15,000 and a collection agency from hell who was making his life miserable. In fact, one collection agent even told him to pawn his wedding ring to make a payment to them!

Yet still, the label / diagnosis was placed in his permanent record and listed in the MIB, which then caused him to be turned him down for life insurance. BTW – in case you are unaware, everyone who has ever gone to any doctor has a file in the Medical Information Bureau.

That brings me to…

* Even if your therapist highly recommends a 6-month program and you agree… if the insurance company representative (yes, even the receptionist) decides you only need a 2-month program, that is all you will get… unless you pay out of pocketThe only hope here is that the insurance company can be convinced that the 6-month program is medically -necessary (unfortunately that usually takes a small miracle or act of Congress to do). 

That brings me to…

Even if the insurance company approves the 6-month regimen, they will rarely pay the full amount and you will be surprise-attacked when the mailman delivers a multi-thousand dollar bill.

So… be prepared to fight for it because insurance companies have often told mental health clients that something is covered and then, after they receive the treatment, the insurance company denies it anyway. This can interrupt your treatment and impact your credit, bank account, stress levels, emotions, and much more, even undoing the very things you sought treatment for. So… what are your options or choices?

Pay cash for your sessions to assure that your records are completely confidential.  You can then have the amount of treatment that is best for you and your future.

If you cannot afford your payments, there are agencies who offer sliding-fee scales and payment plans.

If you must use insurance, try to avoid in-network providers and, instead try to use a PPO so you can pre-pay and then get reimbursed, which will help just a little bit with confidentiality and the other points above. Again… just a little bit.

However, be advised that many insurance companies will not give you a choice when it comes to which therapist you choose. This has it’s separate drawbacks too such as compatibility, ability to trust and build rapport with your therapist, etc. I mean, ever met someone you instinctively-for-no-obvious-reason didn’t particularly like? That happens with therapists too. If you don’t jive with your therapist, the outcome of your treatment will be disappointing.

Added bonus for self-pay: many times paying out of pocket can be tax deductible.

From a professional viewpoint… most quality therapists rarely take insurance. Okay, I am not saying that there are NO good therapists or psychologists out there who do take insurance – there are.  However, when comparing supply & demand, only those who are busy (which equates to successful in this case) will not accept insurance.

Why? Because with all the headache of paperwork, submitting billings, arguing with insurance companies on your behalf, filling out more paperwork, resubmitting billings, etc…. for an average of 7-10 extra hours per month behind the scenes perclient, this results in your therapist making minimum wage.

Typically only those who need the clients will sign up for all of that hassle, even though they know that doing so is usually not in their client’s best interest!  Therapists who are not full of clients will be happy to jump through the red tape just to make some money and get their name out there. However, once they are busy, almost always they will stop accepting insurance.

How do I know? Because when I started out, that was me. 

I needed the clients and was going to accept insurance. I was willing to stay up all day / night for a week to get all pre-client requirements done but...

That’s not all…

Many insurance companies will not accept new providers (therapists) and, even if they do, they rarely pay anything. The amount they do pay equals 40% of the total cost on average and again – to get that 40% payment, therapists have to spend 7 – 10 extra hours behind-the-scenes fighting for their money. That takes time away from serving clients (the very reason we went into the career field).

So hopefully you can see that insurance is beneficial for your cell phone, pets, physical health, your home and business, your car, and your life… but not so much for your mind.

One final piece of advice… creating any kind of change in your life requires a commitment.. an action step of some kind. When you pay for your own therapy out of pocket (action step), you  are more committed to following-through because you have more to lose if you don’t.

This is a great way to hold yourself accountable.

Looking for evidence-based, home-based and powerful therapy (without meds, diagnosis, and testing) and with affordable cost and payment plan options?

If so, you are in the right place and can start right now.

In fact, even the famous psychiatrist Daniel Amen verifies why we have said since 1987 that “talk therapy” is not the way to life-changing transformation nor are “psych meds”…. watch his video below. 

amenThis is why the CG program is successful & uniquely tailored for each of our thousands of worldwide clients… and has been since 1987.

No matter what you decide, it is important to know the above so you can make an informed decision when it comes to your short-term and long-term mental health goals. Equally important is how using insurance for your therapy can affect you when you want to purchase items or receive services that are not related to mental health.

Please understand that other types of insurance is very valuable. In fact, if you are an employer who cares, or have loved ones you’d like to protect for future generations, my husband can help you with that.

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SCAM ALERT: $350 for a Survey

Watch and share the below video that I did of a scam stating they would pay $350 to complete a store survey. Ever heard of “gift card scams” or “money laundering schemes”? You’ll definitely want to keep reading & watching…

I also sent all evidence to the law enforcement agencies who oversee these types of scams. If you receive this, please report it to these agencies (and more as applicable).

Reputable companies very rarely use a generic email extension (ie: gmail, hotmail, yahoo, aol, etc.). Most reputable companies use their company name such as bugs@bugsareus.com

FOR THIS SCAM:

The email says it’s from “Paul” and the letter inside said it’s from “Paul Philips” from “A-Class Survey” with phone number 443-356-6525. The email they use is aclasssurvey@gmail.com

The return label on the USPS priority mail envelope says it’s from:

  • Solano Lawton 
  • (hmmm… where’s Paul?)
  • 729 Jefferson St.
  • Fairfield, CA  94533-5511

**** CLOSE UP PICTURES BELOW VIDEO ****

The $2,375.90 cashier’s check was from Independent Bank” in McKinney, Texas”

** WATCH & SHARE THIS VIDEO TO AVOID GOING TO JAIL **

 

** THIS guy scams the scammers (legally).

** THIS person almost fell for a scam.

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UPDATE as of 7/27/19:  today my daughter received the same thing but some details were different. Her Priority Mail envelope was from “Richard Hepner, 81 Nightingale Ave, # R2, Quincy, MA 02169-6413” and the bank was “Centris Federal Credit Union, 11825 Q. St., Omaha, NE 68137-3503” and listed on the bottom of the fake check that the “Remitter: Edna Gustos”. Everything else was the same.

Have you received a similar letter? What names & banking institutions does yours say? Let’s keep updating this so we can spread the education and awareness. Please don’t forget to report it so these criminals and scam artists can be prosecuted.

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I Love You But…

I love this from one of my FAVE relationship gurus Mort Fertel… if you have ever been told: “I love you, but I’m not IN LOVE with you” then you will definitely want to READ THIS!!!

What does that statement even mean?

A person who says, “I love you, but I’m not in love with you” is making a distinction between 2 different feelings. But NEITHER of those feelings are love! When a person says, “I love you, but I’m not in love with you,” they’re saying that I CARE about you but I’m not EXCITED about you. 

CARING about someone is a good thing. It’s reflective of concern. But it’s different than love. For example, I care about the starving children in Africa, but I don’t love them. 

Being EXCITED about someone is also a good thing. But it’s different than love. For example, I am excited about having a relationship with the President of the United States but that doesn’t mean I love him. 

While someone who says, “I love you, but I’m not in love with you” seems to be making a distinction between “different loves”. In fact, they are expressing their confusion about what love really is. And that’s why they’re having marital problems and maybe even an affair (because… who are they truly in love with?). 

Love is something we articulate in the vocabulary of ACTION. Love is a verb. It’s not a feeling you get from another person. Instead, it’s an experience you receive as a result of deed you do for another person. 

And those deeds are not a secret.

In other words, love is not a mystery. There are specific things you can do with your spouse to solve your problems and build love in your marriage. Just as there are physical laws of the universe (ie: gravity), there are also laws for relationships.

Just as the right diet and exercise program makes you physically stronger, certain habits in your relationship will make your marriage stronger. It’s a direct cause and effect. If you know and apply the laws, the results are predictable… you can “make” love. 

Very often someone will say to me, “I love my spouse, but I’m not in love with him / her.” 

Mort’s immediate response is to ask, “Can you list for me 5 ways in the last week that you’ve DEMONSTRATED your love for your spouse?” 

On the other end of the phone, Mort usually hears grunts, partial statements, and gasps for breath, but none of what he hears ever passes as a specific answer to his question.

“I love you, but I’m not in love with you” is a cop out.

It basically means that I have no clue how to make a relationship last LONG-TERM so I’m exiting (leaving, ending-it, divorcing) to “get high” from another short-term romance. But whoever they think they are currently in love with will eventually hear…

“I love you, but I’m not in love with you.”

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Warning: He’s Getting Out of Prison Soon

As I always say, “locking up the behavior doesn’t solve anything because one day they will be free”.

It’s important to treat the “root causes” of the inmate’s behavior, not put a band-aid on it or think metal bars will solve the problem for the long-term.

Some people (like the guy below) may never be helped enough to guarantee he would no longer kill, but had his behaviors been acknowledged / treated when he was a kid or teen, or anytime before his spree… maybe?

It’s important to note that many sociopathic / psychopathic tendencies and indicators ARE seen in children as young as 3 years old, yet many mental health professionals are “scared” to diagnose anyone under age 18. In fact and sadly to society’s detriment, many mental health professionals blow it off as “normal childhood behavior”.

I disagree with that reasoning.

Most aware parents know when it’s normal or not-normal behavior (moms can usually sense it sooner), yet when parents do seek help, the professionals dismiss them as being “over-emotional” or “too-close to be objective”.

I also disagree that many psychologists will label and diagnose someone with an Axis I disorder (ie: bipolar, major depressive) because there are essentially no cures for Axis II disorders (esp. Cluster B – ie: histrionic, borderline).

The reasons this is done vary to include those with Axis I being more accepted within society because of its common prevalence. In addition, Axis I peeps also qualify for other treatments and services, including SSI.

Many treatment professionals and psychologists will not accept people diagnosed with Axis II because they can be extremely-exhausting to work with. Again, Axis II indicators are prevalent in childhood.

There are three Axis II clusters (A: such as paranoid / schizoid who experience major disruptions in relationships because their behavior may be perceived as peculiar, suspicious, or detached) and (B: such as mentioned above, who experience very intense emotions or engage in extremely impulsive, theatrical, promiscuous, or law-breaking behaviors) and (C: such as avoidant, dependent, and ocd).

OH & FYI – did you know that an average of 40% of patients who should be diagnosed as Bipolar are actually MISdiagnosed first (most often with major depressive disorder instead) and it then takes an average of 10 YEARS before they are correctly diagnosed with bipolar?

During these 10 years inappropriate use of anti-depressants has actually been worsening symptoms!

ANYWAY… that’s a long way of warning you…

 

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Wondering if someone has a mental illness?

DO THIS & find out !

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