IRS Tax Payment Rejection Scam

Are people really this stupid?

I got an email message from “” today claiming that:

Your federal Tax payment (ID: HF2IRS598523201), recently sent from your checking account was returned by the your financial institution.

For more information, please download notification below. (Security PDF Adobe file)[REDACTED].php


Are people really stupid enough to click a link on a site based in the UK for an IRS tax issue? Are people really stupid enough to click a link to a PHP file that’s supposed to be a PDF file?

Here’s a copy of the message. If you got one of these, “raise your hand” by posting a comment below. I’m curious.

And spread the word; you have no idea how much it irks me that scammers are preying upon people dumb enough to believe crap like this.

Tax Scam Email

Ten Years Stalled

Belated realization.

I recently blogged about the feeling I got walking through my new home under construction. It was a feeling of happiness at moving forward again, a feeling of achievement, a feeling of a good future ahead of me. In that post, I mentioned that my life had been stalled not for the 2 years of my ongoing divorce battle but for at least 10 years.

It was back in the mid 2000s that I began hitting hurdles erected by the man who called himself my “partner” in life, the man I was foolish enough to marry after 23 years together.

At the CabinI bought a truck to leave at the cabin so we could come and go by helicopter. Back in those days, I had plenty of money to burn. My wasband never stopped me from spending my money on things he could enjoy.

It all started when I couldn’t get him to work with me on putting a vacation home on our Howard Mesa property. We had two separate sets of drawings made, spending well over $1,000 in the process, before he admitted that he “couldn’t live up there” because it was “too remote.” This was after dumping thousands of dollars into a fence, septic system, and water storage tanks. The compromise was a “camping cabin” that we bought and had brought to the site; I spent much of the summer of 2005 insulating it and framing out the wall between the kitchen and bathroom, joined by him on weekends for other construction work. The resulting structure was used infrequently over the following six or so years — but I still cherish great memories of weekends and holidays there with him and our dog and our horses.

Jack at Howard Mesa
Our dog, Jack, at Howard Mesa. I was always a sucker for a good view; it was the views, the privacy, and the silence that sold me on the 40 acres we bought north of Williams, AZ.

In the years that followed, he continued to hold me back from moving in one direction or another. I wanted to move out of Wickenburg, which had become a sad retirement town that almost all of our friends had already abandoned, but I couldn’t get him to work with me to find a new place. I wanted to expand my business so we could work together, but although he occasionally went through the motions of helping me out, his contributions were so minimal as to be non-existent — and I usually couldn’t rely on him when I needed him most. I spent a lot of time waiting for him to do what he said he’d do. Lots of promises, no deliveries. I was patient — too patient! — but by the winter of 2011/2012, my patience was wearing very thin.

I also wanted to help him achieve his goals — opening a bike shop or developing solar energy products or becoming a flight instructor — but he kept dropping the ball. How many business cards and web sites did I create for him? How many letters did I edit? How many brainstorming sessions did I share with him? I wouldn’t mind if they led to something, but they only led to dead ends. I became tired of putting time and energy into projects that he never took to completion. He wasn’t just holding me back, he was holding himself back.

He was stuck in a rut and he apparently expected me to stick there with him.

Although I didn’t realize it at first, my summers in Washington doing cherry drying work not only made my business prosper but they were a welcome relief from a boring life in a dying town with a man who seemed satisfied to live out his existence in his own daily grind. I made new friends, I did new things. I learned about agriculture and wine-making. I experimented with video production. And I fell in love with the area — with the mix of happy people of all ages, the wholesome farmland attitudes, the river and mountains, the recreation possibilities. There was life in Central Washington — a lot more life than there was among the angry old people in Arizona.

One of the last times I spoke to him, in July 2012, I brought him by helicopter to see the place I wanted to buy and make our summer home. I envisioned him opening that bike shop he claimed he wanted to open along the bike trail in Wenatchee and working there with him on sunny days to rent bikes and maybe even do Segway tours. (I even had $25K saved up and was willing to spend it to buy 5 or 6 Segways.) I envisioned me flying on rainy days, drying cherries, and perhaps doing the occasional wine-tasting flight. I envisioned afternoons spent on the deck together with a glass of wine overlooking the Wenatchee Valley. I envisioned returning to Arizona in the winter, hosting couples with horses in the guest rooms of our house via Air BandB, making a little money while he continued his flight training and realized his dream of becoming a flight instructor.

It was all possible. It was all doable. With our financial situation at the time — a paid for house and very little personal debt — it would have been easy. I saw a great life for both of us — a sort of semi-retirement in our 50s, moving with the seasons between two beautiful homes and realizing our dreams instead of grinding away at unfulfilling jobs and dealing with company bullshit.

Jake, the horse I bought for my wasband before we married. Does he need to see the cancelled check for $1,100 to remember who paid for him?

On that day in July 2012, I didn’t realize that he’d already made his bed with another woman and was planning to cash in on our marriage to finance his life with her. I was a fool to think that he loved me and he wanted a good, honest life. In reality, I was nothing more than a meal ticket, the provider of horses and helicopter trips and fun toys to play with. And because I didn’t play by his restrictive rules, he was finished playing and ready to cash in his chips.

And that’s my big realization.

I realize now that he married me for my money — I was earning a lot of money right before we married in 2006 and had accumulated quite a portfolio of assets. His attempts over the past two years to claim ownership of my personal and business possessions, investments, and retirement funds prove this without a doubt. There was no love, at least not when we married. He was locking himself in, banking on community property law to half of everything I owned, earned, or acquired. Everything he’s done since he asked for a divorce on my birthday in June 2012 proves it.

Phoenix Sunset Flight
Flying over Phoenix at sunset. Who’s he flying with now? He sold his plane so he’s not even flying himself around.

Those of you who have read my other divorce posts or have spoken to me about this know the personal pain my husband’s dishonesty and betrayal has caused — and continues to cause — for me on an almost daily basis. My biggest problem is that I simply can’t believe that a man I spent 29 years of my life with could turn on me as he has. I know he’s mentally ill — the things he’s done to me and said to others and in court are a pretty clear indication of that.

Every day, I face an unbelievable amount of sadness and pity for the man I love. And pretty regularly, that pity is rewarded with yet another personal attack through the court system — appeals, false claims, accusations, stalling tactics. It never ends.

Well, that may never end, but his ability to keep my life in a perpetual stall has ended. I’m moving forward with my new home and my new life. Since 2012, I’ve lost weight and regained my health and self-esteem. My flying business is going better than ever — mostly because I don’t have to say no to out-of-town jobs to keep my wasband happy — and I’ve refreshed my writing career with a series of new videos for (Meanwhile, my divorce book is on hold, waiting for the end to be written.) I’ve made lots of new friends to keep me company and share my joy and adventures.

Legal fees for the divorce dealt a severe financial blow to me, but because I’m not dependent on someone else for my living — I never have been — and I live within my means, I’m recovering nicely. Although I don’t like living in my RV (the “mobile mansion”) — as my wasband absurdly suggested in a court document — it has enabled me to live cheaply so I can save money for my new home.

Getting ahead means working hard and making sacrifices. I understand that and am willing to do what it takes.

It’s sad that the man I married and still (unfortunately) love has never understood that. All his talk about “making things happen” was just that — talk. I took it to heart and made things happen for myself — and him, for a while.

I only wish that my love for him over all those years hadn’t clouded my view of the kind of man he really is. I could have prevented that 10-year stall by making my exit a lot sooner.

Bad Advice Ruins Lives

Sad to see the dreams of a good man destroyed by taking bad advice.

I got some sad news not long ago. A very close former friend of mine sold his airplane.

He’d owned the plane for more than 10 years and had often told me of the role it would play in his retirement: he planned to become a CFI (certified flight instructor) and use the plane to do biennial flight reviews and some flight training. It was a goal I thought suited him and I supported it to the best of my ability — although there was nothing I could do beyond offering moral support and advice to help him achieve it. My advice: fly as often as you can, build time, build experience.

He didn’t take that advice.

I thought he was serious about that dream — like so many of the others he shared with me. But he never moved forward with any of them beyond making some notes on paper and buying domain names he’d never use. Maybe he wasn’t as serious as he led me to believe. I thought aviation, which we’d discovered around the same time, meant something to him. But apparently, it didn’t.

When he pissed off a friend whose hangar he was sharing and got the plane kicked out, the hangar he got in Scottsdale cost him far more each month, making the plane suddenly very costly to keep. (Some people just don’t know a good deal when they have one.) I suspect that was a factor in the plane’s sale in November 2013.

Not long afterward, he sold a condo he’d bought in Phoenix back in 2008. He’d bought as the housing market was falling but hadn’t quite hit bottom. He got what he thought was a good price, but the thing came with outrageous monthly maintenance fees that, when coupled with the mortgage, was a real financial burden on him. And, in all honesty, the place wasn’t very pleasant — its windows looked out onto a courtyard so there was no privacy unless the blinds were closed — which only made it darker and drearier than it already was. Most of the other units were owned by speculators and either empty or inhabited by renters. I’d advised him to buy the other condo he’d been looking at, a bright and airy second floor unit not far away.

He didn’t take that advice.

When he lost his job and got stuck in one he grew to hate, it seemed to me that he was working primarily to make payments on that condo. He was miserable most of the time, living in the condo part-time instead of the house he owned half of and used as his primary address. The house was completely paid off and far more comfortable, and it had a heck of a lot more light and privacy.

In 2011 and early 2012, I advised him to sell the condo, despite the fact that he owed a bit more than the market value. The loss would help on his tax returns and the sale would stop the bleeding of money for mortgage payments and maintenance fees. It would relieve his financial burden so he could live within his means and wouldn’t be a slave to the job he hated.

He didn’t take that advice.

I even offered to buy the place for what he owed. I’d take the loss. (I was a very good friend.)

He didn’t want to do that, either. Instead, he claimed he wanted to keep it as an investment and rent it out. And he expected me to help him.

But I’d already gone through the nightmarish experience of being a landlord and wanted no part of it. My refusal to get involved was one of the things that began the destruction of our friendship.

When I learned in March that he’d sold the condo in December, it made me sad. I knew that if he’d sold it when I advised, before he turned his back on our friendship, we’d still be friends. I don’t think he ever put a tenant in there, but I really don’t know. I can imagine him stubbornly paying the mortgage and taxes and maintenance fees on the place, month after month, before finally giving up.

The sell-off of his assets doesn’t really come as a big surprise. Nearly two years ago, he initiated a costly legal battle to end a long-term partnership and take possession of assets that weren’t his. He misunderstood the law governing the case. The very last time I had a chance to speak to him directly, back in December 2012, I tried to reason with him. I tried to make him understand how the law would be applied. His angry and defiant response proved that he had no idea what the law was. I urged him to talk to his lawyer, to have his lawyer explain it. I urged him to take the counteroffer he’d received from the other party — a counteroffer I know that party’s lawyers thought was far too generous.

But he didn’t take that advice.

It frustrated me. He’d always been so reasonable. He’d always understood the difference between right and wrong. He’d always had morals and principals that I could respect and look up to. But now he was acting unreasonably, doing something stupid and hurtful that was so obviously wrong. What had happened to him?

It didn’t really matter. By that time he was no longer my friend and never would be again.

AdviceInstead, he listened to other, newer friends — including one he’d only recently met — friends who apparently either didn’t know the law or didn’t know the facts of the case. They told him he could get so much more if he just kept fighting. They fed him lies about the other party, convincing him that the other party had been using and manipulating him for years, convincing him that the other party was now an enemy and couldn’t be trusted.

So he kept feeding his lawyers money — tens of thousands of dollars, month after month. (I don’t know why the lawyers didn’t set him straight; maybe he wouldn’t listen to them, either?) And he kept harassing the other party with legal action, hoping that other party would give in to his outrageous demands.

And while all this was going on, my old friend began to take on the financial responsibilities of his new friend, helping her with mortgage payments and the like. He likely justified this by living with her, leaving the condo that was costing him so much money every month empty. She kept urging him to fight, to take one action after another to wear the other party down. She even began directly issuing orders to his lawyers and feeding them incorrect information that she misinterpreted from things she read online. She was rabid in her hatred, insanely jealous — or maybe, by some accounts, just insane.

But the other party in this legal battle was in the right and wasn’t about to give in, especially after investing in a costly legal defense. The other party needed to win. And unlike my friend, the other party was living within their means so there was money to pay lawyers for the fight. And to keep paying as long as necessary to bring an end to the battle and closure to the wounds it had caused.

In the end, my old friend lost his legal battle. The other party was awarded far more than the December 2012 counteroffer would have given. (After all, it really was a generous offer.)

I suspect my friend thought he would pay his legal fees with the proceeds from his win. I suspect he and his new friend looked forward to celebrating their victory over the other party.

But there was no win, there was no big settlement. Even later accounting for other matters proved disappointing. There was no windfall coming. My friend had acted on bad advice and had lost all the money he’d spent on legal fees plus the additional amount he’d have to pay over that original counteroffer.

Ah, if only he had taken my advice!

My former friend’s downfall fills me with pity for him. Not only do I care very much for him and value the years of our friendship, but I’m sad that he remains so close with the people who led him astray, friends and a lover so full of hate and anger and greed that they can’t see facts and listen to reason. I’m sad that they have his ear and are likely, to this day, giving him advice that will only cost him more in the long run. I’m sad that a man I once thought the world of has become a greedy and delusional puppet.

So he sold the airplane that would give him his retirement “job.” And he sold the condo that he claimed he wanted to keep as an investment. And now he’s trying to sell the house he has part ownership of. Liquidating his assets — one can only assume that he has money problems.

Meanwhile, he’s failed to comply with court orders regarding the case and has to defend himself against legal action related to that. More legal fees because he failed to do the right thing. What will happen next? Who knows?

It’ll be interesting to see if the friends who led him astray step up to the plate and help bail him out of the mess he’s in.

I know that I won’t.

Postponing Happiness

Could it be true?

LifeThe other day, I spent some time with a friend of mine who just happens to be a psychology intern at the local hospital. We talked at length about some of the things I’ve gone through in the past few years. Recent events have left me concerned that I might be suffering from PTSD from something seriously weird that happened to me when I worked at the Grand Canyon in 2004. My friend has been helping me work through those concerns, as well as the pain I still feel, over a year later, from my ex-husband’s betrayal and subsequent abuse.

My friend seems to think that I changed after the June 10, 2004 event. She thinks it affected my personality. But although that was a long time ago and my memory isn’t too clear, I disagree. While I admit that I thought about the event every single day for years afterward, I don’t think it made me a different person — at least not on the outside. It didn’t change my dreams and goals; it just made me angry. (Apparently, more angry than I realized.) Sadly, the only person I could talk to about a possible personality change back then — my wasband — isn’t allowed to talk to me anymore. (His new mommy won’t let him. Either that or he’s simply too ashamed of what he’s done to our lives to face me.)

What did change my personality, however, was the illness and subsequent death of my friend Erik. Erik’s sudden illness hit my hard; it made me realize that life can be taken from you at any time and that it was important to do what you wanted to do as soon as you could. Waiting for retirement was idiotic — I knew that better than ever before.


As I shed debt, my wasband accumulated it. He bought a condo in Phoenix with a huge monthly maintenance fee as the housing market went into decline; the monthly payments on that were more than our house mortgage payments. He bought a Mercedes sedan he didn’t need. He used the home equity line of credit for overdraft protection on his own personal checking account for years, thus increasing its balance by thousands of dollars while I was paying it down. He was a slave to his job — which he hated — because of the debt he kept building. In the 20-20 vision of hindsight, I realize that he resented me because I had more free time to do the things I wanted to. He didn’t understand that I had that freedom because I simply didn’t have such a huge debt burden forcing me to work harder or longer than I wanted to.

As for his promise to join me on the road…well, that was one of his many empty promises, something he told me to give me hope without actually doing anything to make a positive change in our lives. His 55th birthday came and went; my reminders of his promise were met with new promises that were also broken. I think the broken promises hurt almost as much as the lying and cheating that came later.

I explained all this to my friend, telling her about how the sudden urgency I felt about living my life changed what I did. At the time, I was working two careers — as a writer and a pilot — and was struggling in both, working harder than I ever wanted to and having little time off. I explained how I realized that debt ties us to jobs we don’t really like or want — or, in my situation as a freelancer and business owner, working harder than we want to on jobs we do like — making us slaves. The solution was easy: get out of debt. I stopped buying expensive things I didn’t need, concentrated on investing in my business, and paid all credit card balances in full every month. I made extra payments toward our mortgage and the home equity line of credit to pay them off quicker.

I also told her about the promise my husband had made to me back in 2006, right around the time we married after 23 years together: that when he turned 55, he’d leave his job and join me on the road half the year, spending the summer doing work with my helicopter in a place we could avoid Arizona’s brutal summer heat. One of my business investments had been for a 5th wheel RV, the “mobile mansion,” that was big enough for both of us and our dog. We’d work together and play together all summer long. He’d be able to chase down some of his dreams with the free time we had every winter back in Arizona.

Out of the blue, my friend suggested that I was postponing my happiness.

Of course, I denied it — a knee-jerk reaction to the suggestion. Postponing my happiness? How could I be? After all, I’m happy now. I’m living in a beautiful place I love, surrounded by friends. My business is doing surprisingly well — even in this economy at this time of year — and I have plenty of free time to enjoy the activities I like: hiking, wine tasting, writing, making a new home on a blank slate of 10 acres of my own land.

But then she reminded me about how I’d worked so hard to get my finances in order. Had I been happy then? I thought about it. I told her I was laying the ground work for the future. Besides, I was waiting for my husband to join me.

“Exactly,” she said. “Postponing happiness.”

There was nothing I could say to deny that.

“What about now?” she asked me. “What are you doing to postpone your happiness?”

I could think of just one thing: delaying the construction of my new home. But there were reasons for that and there was nothing I could do to change them. I had to wait.

In the meantime, I was working on my land, settling in my bees, making a pathway, prepping for next season’s garden, planting wildflower seeds. I had friends over for dinner at least once or twice a week. And I did lots of other things that made me happy, including getting out with friends and traveling.

I knew that I wasn’t happy when I was married. I knew that my wasband was part of that problem — during that last year we were together, he was never happy and he seemed to constantly disapprove of anything I wanted to do. I knew that in that last year, my happiest times were the times I was away from home, in Washington, free to do the things I wanted to do when I wanted to do them. Free from the man who seemed to try so hard to make me feel guilty about my life decisions and the happiness they gave me.

I’d never thought of my marriage as something that was postponing my happiness, but it so obviously was.

So the question remains: am I still postponing my happiness? I don’t think I am. But her suggestion has planted a seed in my mind. You can bet I’ll be thinking about it in the months to come.

News I Could Use

I’m finally free.

Regular readers of this blog know that since the end of June 2012, I have been going through an extremely ugly divorce.

I won’t summarize the outrageous chain of events again here. If you want to get an idea of the crap I’d been dealing with for more than a year, read “The Divorce Book” post and follow some of the links in it. Then read any post tagged divorce that was posted afterwards. Give yourself about eight hours — there’s a lot of material to wade through.

Our case went in front of a judge in May. The second of two half-day court dates was May 31. As I left the court with my lawyer, family, and friends, we were happy, in a weird sort of way — more relieved, I guess — that it was finally over.

But it wasn’t. They dished out some more crap, like fish that had flopped themselves out of water, thrashing a few more times in a futile attempt to — well, I really don’t know exactly what they expected to accomplish with that final bit of harassment.

The Wait

The judge told us on May 31 that it would take 2 to 3 weeks for a decision. I waited anxiously, completely unsure of my financial future.

In the meantime, I was chomping at the bit, eager to get on with my life. I’d been in escrow for 10 acres of view property since late March. I couldn’t get financing without a divorce decree. I couldn’t put in a septic system or enter into a contract with a builder until I owned the land. I was living in a fifth wheel travel trailer on a friend’s land. That was fine during the summer months, but what would I do later in the year if I couldn’t get my home completed before it got cold and the snow came?

My anxiousness over the waiting was a strange thing. At first, my attitude was hopeful, sure that my future would be decided any day now and prepared for the worst.

Then, when the third week rolled along, I started getting worried. It would be this week. What would he decide? Could I really deal with the worst? Would that be what I faced?

When the third week passed without the judge’s decision, I felt sort of relieved. And even though I expected the decision any day, I continued to feel sort of relieved every day it didn’t come.

But time was not my friend. No matter what the judge decided about the division of assets, I needed that piece of paper to get on with my life.

The Deadline Approaches

The law gave the judge 60 days to make a decision. As we got closer and closer to that deadline, I started to stress out again. Had the judge forgotten us? Why did he need so much time? I called my lawyer and he had his assistant follow up. That was on Friday. That’s when I did the math on timing. The 60th day would be Tuesday.

By Tuesday morning, I was a nervous wreck.

I had a charter on Tuesday morning. I had to be at the local airport with the helicopter at 9:30 AM to fuel and wait for my passengers. They had a meeting at 11:00 AM 60 miles south. I was trying very hard not to think about what I should learn that day. I was trying to stay focused on the charter flight before me, thinking about the TFR we’d have to avoid on our way south, thinking about my fuel load with four people on board on a warm, humid day.

My phone rang at 9:17 AM, just as I was heading out to the helicopter. It was my lawyer’s assistant.

“I got the judgement,” she said. “Do you want to hear it?”

I immediately began to cry. It was finally over, but did I want to hear what the judge had decided?

“Is it good?” I asked through sobs.

“Yes,” she replied. And she began to read.

The Result

It was good. The judge had done the right thing, the fair thing, the thing we expect judges to do.

Throughout this entire ordeal, I had been plagued by unfairness, dishonesty, and a complete lack of ethics and morals from a man I’d loved and trusted for more than half of my life. As I prepared to turn my fate over to a judge, I feared that the legal system would fail me, too. I knew the law, and I knew what was fair. How would the judge interpret the law in our case? Would he allow my husband’s lawyer to wield the law as a weapon against me, forcing me to give up so much that I’ve worked hard for my entire life? That was my fear.

But the answer was no, he would not allow it. He made a decision based on the reality of the situation. He did what was right and fair.

As my lawyer’s assistant read each paragraph of the divorce decree, I sobbed. I cried for joy, mostly — at least I think it was joy. I cried to release the anxiety that had been building up for the past few weeks. I cried because I knew that my year-long ordeal was finally over and that I could get on with my life.

And I cried from sadness. I cried for the man who had been tormenting me for the past year, the man I still loved, knowing full well that he would have been so much better off financially if he’d simply accepted my very generous counterproposal back in October. I cried knowing that if he’d just sat down with me in October with our lawyers and we’d hashed this out then, we could have gotten on with our lives — perhaps even as friends — without the heartache and financial burden he’d forced on both of us. I cried knowing that the man I’d spent 29 years with had a sense of morals and ethics that would have prevented any of this from happening — and that that man had been smothered out of existence by the greedy and vindictive old woman he’d chosen to replace me. I cried because she’d made his bed — by running his side of the divorce for him — and he’d slept in it — by letting her have complete control — and now he was paying the price. I cried because I knew he hated me for reasons they had cooked up to justify his treatment of me — delusions that had taken over his mind. I cried because I felt so sorry for him.

Yes, I cried for the inconsiderate bastard who had asked for a divorce on my birthday, the man who’d locked me out of my only home, the man who had been harassing me for the past year, the man who had dragged me through a costly legal battle to protect what was rightfully mine.

Love is strange.

When my lawyer’s assistant was finished and I hung up the phone, I cried a little more. Then I pulled myself back together, dried my eyes, and headed out to the helicopter. I needed to put the past behind me. I needed to stop thinking and worrying about a person who didn’t give a damn about me and get back to the business at hand: making my new life.

Ball and ChainAt 9:45 AM, I was on the ramp at the airport, waiting with my helicopter for my passengers. It was the first day of my new life as a free woman.