Magical Thinking

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Image by korafotomorgana via Flickr

A few weeks ago, on my way to work, while merging onto the highway, a soccer mommy in an SUV decided that she was going to accelerate to fill the opening I was going to use. Not before I got there, which would have left her in the right, if still a jerk, but as I was moving into the lane.

The entire reasoning was that she could be rude and dangerous under the assumption that I would be more civilized and back down, allowing her to indulge her little fantasy about how the world works. Luckily I saw her speed up, and had time to move out of the way. Physics very nearly taught her an expensive lesson.

This is similar to the people who think they’ll be safe because “nothing has happened before” or think “He won’t hurt me because I;m a good person” when confronted with a mugger.

This is magical thinking. Basing assumptions of other people’s actions on nothing more than your personal hopes and biases. The truth is, your halo does not provide a shield. Your luck at dodging criminals while strolling through bad neighborhoods does not circumvent statistical likelihood and your jerkface attempt to run me into a guard rail had better be backed by the stones to deal with a wreck.

Magical thinking, wishful thinking, and baseless hope are not rational methods of running your life. Criminals hunt for victims who wrap themselves in a smug, yet naïve, superiority. Murphy’s Law is waiting for someone arrogant enough to think that the laws of physics don’t apply when you’re commuting. The only rational means of predicting the behavior of others is to look at the signals they are actually producing.

Someone tentatively trying to squeeze into an opening in traffic is far more likely to submit to your passive aggression than the guy who merges with a turn signal and the gas pedal.

Someone in the park after hours in a hoody is more likely to hurt you than the guy in running shorts.

The guy lurking in the shadows of the parking ramp, refusing to make eye contact is a more likely mugger than the suit trying to find his Lexus.

A million years of evolution have given us an incredible ability to detect danger. A few hundred years of relative peace at the end of a few thousand years of relative civilization have not erased that ability, it has just convinced us to ignore our instincts under the mistaken assumption that all predators live in the jungle.

Fear has survival value. Don’t allow your rational brain to override your lizard brain completely. Let your fear keep you safe.

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Identity Theft: What To Do When You’ve Been Victimized

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Image by Don Hankins via Flickr

Have you ever been surprised by having a credit application denied? Or been told that you’re paying too much for your car insurance because you have bad credit?

There are 15 million victims of identity each year with an estimated loss of $50 billion. That’s a lot of cake. If you’re credit card gets stolen, you’re only liable for up to $50 of the theft, but what if your checking account is cracked or someone is opening accounts in your name? What is the indirect cost coming form higher interest rates?

Identity theft happens. It could happen to you.

What should you do if you become a victim of identity theft?

  1. File a police report. You’ve been victimized, make sure you have some documentation of that.
  2. Contact any credit card company that has possibly been affected. If you lost your wallet, call them all. If somebody has opening cards in your name, call all of those.
  3. Call the credit bureaus* and have a fraud alert put on your credit report. This will force any new creditor to take extra steps to verify your identity before opening a new account. Ideally, your identity thief won’t be able to make the grade. If that isn’t enough, look into an identity freeze. That will stop a lender from even seeing your credit report without your explicit permission.
  4. Close your bank accounts Depending on how severe the theft, you may need all new accounts at every level. If the thief has a box of your checks, or even your account and routing numbers, you need to close the accounts to protect your money.
  5. Report the theft to the FTC at 877.438.4338. You’ll get additional documentation of the theft, including an ID Theft Affidavit that can make it easier to clean up the mess.
  6. Hire a witchdoctor to curse the soul of your attacker. No, he probably won’t actually turn into a warty toad, but what if? Maybe the universe will wield the Magic Karma Hammer and beat him into a little greasy stain in the street.
The important thing to remember is to hurry. The longer you wait, the more damage will be done and the harder it will be to straighten out. As soon as you find out about the theft, start fixing it.
Have you had your identity stolen? How did you deal with it?
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