Showing posts with label Evictions. Show all posts
Showing posts with label Evictions. Show all posts

Friday, July 10, 2015

“Should I rent to someone with a foreclosure?”

Answer: probably not.

 Please be aware that I am sensitive to anyone who is going through a foreclosure.  I am giving this advice from the vantage point of a real estate investor.

Foreclosed applicants on average have a 24% lower credit scores.  They also have four times as many 30 or more day delinquents or derogatory.

What that means, is history has a way of repeating itself.  A person is who is foreclosed on, has a poor history of paying obligations on time.  Do you really want to risk your investment to someone like that? Take the chance that they will not pay or pay late?  Evictions are not a fun ordeal.

It’s not only tempting, but some times feels necessary to fill a vacancy quickly.  Never let your feelings of disparity cause you to give up your standards.  Create your standards for tenant screening and stick to them. 

Hint on tenant screening.  Renting Authority provides a free Applicant Rating Report with every credit report.  Use the drop down menu next to the credit score and select the “Applicant Rating Report.”  This report shows you how an applicant compares to other applicants across the country.

Please contact me with any questions regarding this topic.
Thanks,
Troy
888-674-9181

Thursday, July 2, 2015

Don’t Lock Out or Freeze Out a Tenant — It’s Illegal


Landlords are subject to penalties if they change the locks or shut off utilities to get a tenant out of rental property.

As any experienced landlord will attest, there are occasional tenants who do things that are so outrageous that the landlord is tempted to bypass normal legal protections and take direct and immediate action to protect the property. For example, after a tenant’s repeated destructive behavior, a landlord may consider changing the locks and putting the tenant’s property out in the street. Or, a landlord who is responsible for paying the utility charges may be tempted to simply not pay the bill in the hopes that the resulting lack of water, gas, or electricity will hasten a tenant’s departure.

Why You Shouldn’t Lock Out a Tenant

Landlords who take matters into their own hands often think that their behavior will be excused by the tenant’s egregious conduct. However, the fact that the tenant didn’t pay rent, left the property a mess, verbally abused the manager, or otherwise acted outrageously will not be a valid defense — and in fact, a landlord may well end up on the wrong end of a lawsuit for trespass, assault, battery, slander or libel, intentional infliction of emotional distress, and wrongful eviction. Defending this lawsuit will cost far more than evicting the tenant using legal court procedures.
Landlords or property managers who are tempted to take the law into their own hands to force or scare a troublesome tenant out of the property should heed the following advice: Don’t do it! Shortcuts such as threats, intimidation, utility shutoffs, or attempts to physically remove a tenant are illegal and dangerous. So, although the eviction process can often entail considerable expense and delay, consider it the only legal game in town. (For information on the steps you must take to evict a tenant legally, see How Evictions Work: Rules for Landlords and Property Managers.)

Avoid Penalties and Money Damages

Virtually every state that forbids “self-help” evictions also imposes penalties for landlords who break the law. When tenants sue after being locked out or frozen out, they can not only sue for their actual money losses (such as the cost of temporary housing, the value of food that spoiled when the refrigerator stopped running, or the cost of an electric heater when the gas was shut off), but they can also sue for penalties, such as several months’ rent. In some states, the tenant can collect and still remain in the premises; in others, tenants are entitled to monetary compensation only.
Even in states that have not legislated against self-help evictions, landlords who throw tenants out on their own run a risk of serious practical and legal entanglements. The potential for nastiness and violence is great — picture the arrival of a patrol car while tenant and landlord wrestle over the sofa on the lawn.
Landlords who lock out their tenants often find themselves sued over the “disappearance” of their tenant’s valuable possessions. The tenant will claim they were lost or taken when the landlord locked them up or removed them. Using a neutral law enforcement officer to enforce a judge’s eviction order will avoid these unpleasantries.
Article from www.Nolo.com

How Evictions Work: Rules for Landlords and Property Managers


An overview of the eviction process, including the termination notices required for different situations.

A landlord can’t begin an eviction lawsuit without first legally terminating the tenancy. This means giving the tenant written notice, as specified in the state’s termination statute. If the tenant doesn’t move (or reform — for example, by paying the rent or finding a new home for the dog), you can then file a lawsuit to evict. (Technically, this is called an unlawful detainer, or UD, lawsuit.)
State laws set out very detailed requirements to end a tenancy. Different types of termination notices are required for different types of situations, and each state has its own procedures as to how termination notices and eviction papers must be written and delivered (“served”).

Notice for Termination With Cause

Although terminology varies somewhat from state to state, there are basically three types of termination notices for tenancies that landlords terminate due to tenant misbehavior:
  • Pay Rent or Quit Notices are typically used when the tenant has not paid the rent. They give the tenant a few days (three to five in most states) to pay the rent or move out (“quit”).
  • Cure or Quit Notices are typically given after a tenant violates a term or condition of the lease or rental agreement, such as a no-pets clause or the requirement to refrain from making excessive noise. Usually, the tenant has a set amount of time in which to correct, or “cure,” the violation. A tenant who fails to do so must move or face the possibility of an eviction lawsuit. Read the rest of this entry »

Bankrupt Tenants: How the New Bankruptcy Law Affects Evictions


The new bankruptcy law makes it easier for landlords to evict bankrupt tenants.

It’s not uncommon for tenants with significant financial burdens to declare bankruptcy. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, which took effect on October 16, 2005, makes it easier for landlords to evict bankrupt tenants. The steps you’ll need to take depend on whether the tenant files for bankruptcy before or after you get a judgment against the tenant awarding you possession of the rental.

Tenant Files for Bankruptcy After You’ve Won Possession

If you sued the tenant for eviction and won a judgment for possession before the tenant filed for bankruptcy, you can proceed to evict the tenant, even if the tenant then files for bankruptcy in an attempt to stop the eviction.
New bankruptcy law vs. prior law. Under prior law, tenants could stave-off eviction by invoking bankruptcy’s “automatic stay” with a last-minute bankruptcy filing. Under the new bankruptcy law, in this situation landlords can usually proceed with the eviction without having to ask a judge to lift the automatic stay.
Exception in some states. In a few states, and only in evictions based on nonpayment of rent, and in very narrow circumstances, a tenant can stop an eviction at the last minute by filing for bankruptcy — if the tenant files a certification and pays back rent and forward rent. As the landlord, if you file an objection to the tenant’s certification right away, you’ll get a hearing in the bankruptcy court. If you convince the judge that the tenant’s certification is not true, the court will lift the stay and you can proceed to evict the tenant. Read the rest of this entry »

How Evictions Work: What Renters Need to Know


Landlords can’t just lock you out, even if you are behind on rent. They must get a court judgment first.

Your landlord can’t evict you without terminating the tenancy first. This usually means giving you adequate written notice, in a specified way and form. If you don’t move after proper notice (or reform your ways — for example, by paying the rent or finding a new home for the dog), the landlord can file a lawsuit to evict you. (This type of lawsuit is sometimes called an unlawful detainer, or UD lawsuit.) In order to win, the landlord must prove that you did something wrong that justifies ending the tenancy.
State laws have very detailed requirements for landlords who want to end a tenancy. Each state has its own procedures as to how termination notices and eviction papers must be written and delivered to you (“served”). Landlords must follow state rules and procedures exactly.

Notice of Termination for Cause

Although terminology varies somewhat from state to state, there are basically three types of termination notices that you might receive if you have violated the rental agreement or lease in some way:
  • Pay Rent or Quit Notices are typically given to you when you have not paid the rent. These notices give you a few days (three to five in most states) to pay the rent or move out (“quit”).
  • Cure or Quit Notices are typically given to you if you violate a term or condition of the lease or rental agreement, such as a no-pets clause or the promise to refrain from making excessive noise. Usually, you have a set amount of time in which to correct, or “cure,” the violation.
  • Unconditional Quit Notices are the harshest of all. They order you to vacate the premises with no chance to pay the rent or correct a lease or rental agreement violation. In most states, unconditional quit notices are allowed only if you have:
    • repeatedly violated a significant lease or rental agreement clause
    • been late with the rent on more than one occasion
    • seriously damaged the premises, or
    • engaged in serious illegal activity, such as drug dealing on the premises.

Notice of Termination Without Cause

Even if you have not violated the rental agreement and have not been late paying rent, a landlord can usually ask you to move out at any time (assuming you don’t have a fixed term lease) as long as the landlord gives you a longer notice period.
A 30-Day Notice to Vacate or a 60-Day Notice to Vacate to terminate a tenancy can be used in most states when the landlord does not have a reason to end the tenancy. (The length of the required notice can be slightly longer or shorter in some states.) Read the rest of this entry »

So You’re Being Evicted? Tips for Tenants

Introduction

Most tenants who are facing eviction are being evicted as a consequence of nonpayment of rent. Others may face eviction for a variety of reasons, including violation of lease terms, creation of a health or safety hazard, or even a personality dispute with a landlord.
While landlord-tenant law, and the laws governing the eviction process, can change substantially between jurisdictions, there are some generalities which apply for most jurisdictions. If you are facing eviction you should check with a lawyer or tenant’s union in your area, so you can learn the specific laws which apply to your situation.
The following information is of a general nature, and may not apply where you reside

Nonpayment of Rent

In most jurisdictions, there is an expedited process for evicting a tenant for nonpayment of rent. Typically, the tenant is served with a legal notice requiring that rent be paid by a specific date (e.g., within seven days of service), after which time the landlord can commence an eviction action. Many times, a landlord will agree to accept a partial payment during this time, with the promise that any remaining rent arrears will soon be paid in full.
If the landlord accepts partial payment (no matter how small) prior to obtaining a judgment on a nonpayment action, upon learning of the acceptance of the payment most jurisdictions will dismiss any eviction proceeding premised on nonpayment of rent. The landlord must then start the process over, in relation to any additional rents owed.
Typically, even after judgment the tenant has a period of time during which the rent arrears can be paid, so as to avoid eviction. Read the rest of this entry »

Landlord Cleans Up Community

Take a few minutes to watch this YouTube video. This landlord is an amazing example of how landlords can clean up their community and create a better environment for everyone. Brent Sobol is a great example of what a determined landlord can accomplish. Follow us on Facebook

Thank you for the valuable information!


Thank you for the valuable information!
Vadim and Veronique
This week I had some great conversations with many of you. A couple of issues were brought up that you should all know about.
Issue #1
The applicant doesn’t want me to run his credit because he doesn’t want his credit score affected. What should I do?
When you as a landlord check a person’s credit, it is called a soft hit on their credit. This means it will only stay on their credit report for 2 to 3 months. Their credit score will not be affected long term when you check their credit.
I have found often that a person who does not want you to check their credit has credit issues that they are hiding from. You need to establish your own rule that you check everyone’s credit.
Another thing to consider is if an applicant is trying to dictate how you run your business now, they will continue to cause you issues in the future.
Issue #2
My tenant wants to pay cash. What should I do?
Cash is king, but not in the landlord business. This is big red flag. Why? People often want to pay cash because they do not have a checking account and they have money gotten from illegal means. Drug dealers are some of the biggest offenders of this. Now this does not mean that everyone who wants to pay with cash is doing something illegal nor is a drug dealer. It is better to be safe that sorry.
Last week I received an email from a landlord who rented to a person who seemed to be a great applicant and wanted to only pay in cash. The tenant paid the deposit and first month’s rent in cash. That was all he ever paid. The landlord is now going through the eviction process.
In summary, screen your applicants and don’t take cash.
Visit our new site at http://www.RentingAuthority.com

7 Costly Landlord Mistakes


Cash Flow Isn't Always Easy

My wife watches all sorts of TV shows with one of her favorites being with Scott McGillvray. He has a great show about cash flowing properties and at the end of each one he shows how much money the person will be pocketing each month and I just have to laugh. That number is always assuming that nothing goes wrong.
Lets look at our own housing situation. How many months have you had nothing go wrong with your house? Just last month we had a broken door, broken door handle, broken garbage disposal and some plumbing problems as a result. Other months it is always something else and we are no different. When you buy a cash flow property you are buying the good and the bad so sure you will have some months when you make money, but you’ll also have months where you lose money. In the end you are banking on the appreciation of the home while having good renters or leasers who take care of the place. It just isn’t as easy as a half hour show makes it out to be.

Buy and Hold Coming to an End Soon

I’ve talked to several people lately about different real estate strategies to use and the one that has been the most popular among smart real estate investors has been the buy and hold. NOT THE FLIP. People flip homes when the market is moving at a pace that allows them to get a house quickly and turn it for a profit. But the investors that are absolutely cleaning up right now are the ones who are buying homes and holding them. Why is that?
First, the interest rates have been low enough for so long that if people have money to put down they can get these low rates on properties. A man I work with in Las Vegas has been buying up plenty of 100k houses and getting them rented while having extremely low payments on those houses. Why is this a good idea? Plainly, even if the interest rates go up in the area he is in a spot where renters will always be able to afford his payment and if the area goes up in value with the economy then he is sure to really increase the equity in each property. It’s a win across the board for him now.
Second, interest rates have started to go back up. When interest rates go back up something interesting will happen that the country isn’t prepared for at the moment. The housing values will have to stay still or even drop. I say this because the average person owns a 3 bed/2 bath house in our country and if they can’t afford an average payment at a 6% interest rate or higher then the market will have to adjust so they can. By getting these homes now at low rates you are setting yourself up for the best long term success because you can afford the payment at the low rate and it isn’t going to adjust on you like it did during the serious downswing we had a couple years ago.
Real estate is a great way to make long term wealth. Each day I deal with great owners of homes or apartments and they really see things for how they are when it comes to our market. I get great advice from them daily and I love to pass it on to you.

How to Screen a Tenant


THE 14 HABITS OF HIGHLY MISERABLE PEOPLE

December 31st, 2013

THE 14 HABITS OF HIGHLY MISERABLE PEOPLE
By: Cloe Madanes
Most of us claim we want to be happy—to have meaningful lives, enjoy ourselves, experience fulfillment, and share love and friendship with other people and maybe other species, like dogs, cats, birds, and whatnot. Strangely enough, however, some people act as if they just want to be miserable, and they succeed remarkably at inviting misery into their lives, even though they get little apparent benefit from it, since being miserable doesn’t help them find lovers and friends, get better jobs, make more money, or go on more interesting vacations. Why do they do this? After perusing the output of some of the finest brains in the therapy profession, I’ve come to the conclusion that misery is an art form, and the satisfaction people seem to find in it reflects the creative effort required to cultivate it. In other words, when your living conditions are stable, peaceful, and prosperous—no civil wars raging in your streets, no mass hunger, no epidemic disease, no vexation from
poverty—making yourself miserable is a craft all its own, requiring imagination, vision, and ingenuity. It can even give life a distinctive meaning.
So if you aspire to make yourself miserable, what are the best, most proven techniques for doing it? Let’s exclude some obvious ways, like doing drugs, committing crimes, gambling, and beating up your spouse or neighbor. Subtler strategies, ones that won’t lead anyone to suspect that you’re acting deliberately, can be highly effective. But you need to pretend that you want to be happy, like everybody else, or people won’t take your misery seriously. The real art is to behave in ways that’ll bring on misery while allowing you to claim that you’re an innocent victim, ideally of the very people from whom you’re forcibly extracting compassion and pity.
Here, I cover most areas of life, such as family, work, friends, and romantic partners. These areas will overlap nicely, since you can’t ruin your life without ruining your marriage and maybe your relationships with your children and friends. It’s inevitable that as you make yourself miserable, you’ll be making those around you miserable also, at least until they leave you—which will give you another reason to feel miserable. So it’s important to keep in mind the benefits you’re accruing in your misery.
• When you’re miserable, people feel sorry for you. Not only that, they often feel obscurely guilty, as if your misery might somehow be their fault. This is good! There’s power in making other people feel guilty. The people who love you and those who depend on you will walk on eggshells to make sure that they don’t say or do anything that will increase your misery.
• When you’re miserable, since you have no hopes and expect nothing good to happen, you can’t be disappointed or disillusioned.
• Being miserable can give the impression that you’re a wise and worldly person, especially if you’re miserable not just about your life, but about society in general. You can project an aura of someone burdened by a form of profound, tragic, existential knowledge that happy, shallow people can’t possibly appreciate.
Honing Your Misery Skills
Let’s get right to it and take a look at some effective strategies to become miserable. This list is by no means exhaustive, but engaging in four or five of these practices will help refine your talent.
1. Be afraid, be very afraid, of economic loss. In hard economic times, many people are afraid of losing their jobs or savings. The art of messing up your life consists of indulging these fears, even when there’s little risk that you’ll actually suffer such losses. Concentrate on this fear, make it a priority in your life, moan continuously that you could go broke any day now, and complain about how much everything costs, particularly if someone else is buying. Try to initiate quarrels about other people’s feckless, spendthrift ways, and suggest that the recession has resulted from irresponsible fiscal behavior like theirs.
Fearing economic loss has several advantages. First, it’ll keep you working forever at a job you hate. Second, it balances nicely with greed, an obsession with money, and a selfishness that even Ebenezer Scrooge would envy. Third, not only will you alienate your friends and family, but you’ll likely become even more anxious, depressed, and possibly even ill from your money worries. Good job!
Exercise: Sit in a comfortable chair, close your eyes, and, for 15 minutes, meditate on all the things you could lose: your job, your house, your savings, and so forth. Then brood about living in a homeless shelter.
2. Practice sustained boredom. Cultivate the feeling that everything is predictable, that life holds no excitement, no possibility for adventure, that an inherently fascinating person like yourself has been deposited into a completely tedious and pointless life through no fault of your own. Complain a lot about how bored you are. Make it the main subject of conversation with everyone you know so they’ll get the distinct feeling that you think they’re boring. Consider provoking a crisis to relieve your boredom. Have an affair (this works best if you’re already married and even better if you have an affair with someone else who’s married); go on repeated shopping sprees for clothes, cars, fancy appliances, sporting equipment (take several credit cards, in case one maxes out); start pointless fights with your spouse, boss, children, friends, neighbors; have another child; quit your job, clean out your savings account, and move to a state you know nothing about.
A side benefit of being bored is that you inevitably become boring. Friends and relatives will avoid you. You won’t be invited anywhere; nobody will want to call you, much less actually see you. As this happens, you’ll feel lonely and even more bored and miserable.
Exercise: Force yourself to watch hours of mindless reality TV programs every day, and read only nonstimulating tabloids that leave you feeling soulless. Avoid literature, art, and keeping up with current affairs.
3. Give yourself a negative identity. Allow a perceived emotional problem to absorb all other aspects of your self-identification. If you feel depressed, become a Depressed Person; if you suffer from social anxiety or a phobia, assume the identity of a Phobic Person or a Person with Anxiety Disorder. Make your condition the focus of your life. Talk about it to everybody, and make sure to read up on the symptoms so you can speak about them knowledgeably and endlessly. Practice the behaviors most associated with that condition, particularly when it’ll interfere with regular activities and relationships. Focus on how depressed you are and become weepy, if that’s your identity of choice. Refuse to go places or try new things because they make you too anxious. Work yourself into panic attacks in places it’ll cause the most commotion. It’s important to show that you don’t enjoy these states or behaviors, but that there’s nothing you can do to prevent them.
Practice putting yourself in the physiological state that represents your negative identity. For example, if your negative identity is Depressed Person, hunch your shoulders, look at the floor, breathe shallowly. It’s important to condition your body to help you reach your negative peak as quickly as possible.
Exercise: Write down 10 situations that make you anxious, depressed, or distracted. Once a week, pick a single anxiety-provoking situation, and use it to work yourself into a panic for at least 15 minutes.
4. Pick fights. This is an excellent way of ruining a relationship with a romantic partner. Once in a while, unpredictably, pick a fight or have a crying spell over something trivial and make unwarranted accusations. The interaction should last for at least 15 minutes and ideally occur in public. During the tantrum, expect your partner to be kind and sympathetic, but should he or she mention it later, insist that you never did such a thing and that he or she must have misunderstood what you were trying to say. Act injured and hurt that your partner somehow implied you weren’t behaving well.
Another way of doing this is to say unexpectedly, “We need to talk,” and then to barrage your partner with statements about how disappointed you are with the relationship. Make sure to begin this barrage just as your partner is about to leave for some engagement or activity, and refuse to end it for at least an hour. Another variation is to text or phone your partner at work to express your issues and disappointments. Do the same if your partner is out with friends.
Exercise: Write down 20 annoying text messages you could send to a romantic partner. Keep a grudge list going, and add to it daily.
5. Attribute bad intentions. Whenever you can, attribute the worst possible intentions to your partner, friends, and coworkers. Take any innocent remark and turn it into an insult or attempt to humiliate you. For example, if someone asks, “How did you like such and such movie?” you should immediately think, He’s trying to humiliate me by proving that I didn’t understand the movie, or He’s preparing to tell me that I have poor taste in movies. The idea is to always expect the worst from people. If someone is late to meet you for dinner, while you wait for them, remind yourself of all the other times the person was late, and tell yourself that he or she is doing this deliberately to slight you. Make sure that by the time the person arrives, you’re either seething or so despondent that the evening is ruined. If the person asks what’s wrong, don’t say a word: let him or her suffer.
Exercise: List the names of five relatives or friends. For each, write down something they did or said in the recent past that proves they’re as invested in adding to your misery as you are.
6. Whatever you do, do it only for personal gain. Sometimes you’ll be tempted to help someone, contribute to a charity, or participate in a community activity. Don’t do it, unless there’s something in it for you, like the opportunity to seem like a good person or to get to know somebody you can borrow money from some day. Never fall into the trap of doing something purely because you want to help people. Remember that your primary goal is to take care of Numero Uno, even though you hate yourself.
Exercise: Think of all the things you’ve done for others in the past that haven’t been reciprocated. Think about how everyone around you is trying to take from you. Now list three things you could do that would make you appear altruistic while bringing you personal, social, or professional gain.
7. Avoid gratitude. Research shows that people who express gratitude are happier than those who don’t, so never express gratitude. Counting your blessings is for idiots. What blessings? Life is suffering, and then you die. What’s there to be thankful for?
Well-meaning friends and relatives will try to sabotage your efforts to be thankless. For example, while you’re in the middle of complaining about the project you procrastinated on at work to your spouse during an unhealthy dinner, he or she might try to remind you of how grateful you should be to have a job or food at all. Such attempts to encourage gratitude and cheerfulness are common and easily deflected. Simply point out that the things you should be grateful for aren’t perfect—which frees you to find as much fault with them as you like.
Exercise: Make a list of all the things you could be grateful for. Next to each item, write down why you aren’t. Imagine the worst. When you think of the future, imagine the worst possible scenario. It’s important to be prepared for and preemptively miserable about any possible disaster or tragedy. Think of the possibilities: terrorist attacks, natural disasters, fatal disease, horrible accidents, massive crop failures, your child not getting picked for the varsity softball team.
8. Always be alert and in a state of anxiety. Optimism about the future leads only to disappointment. Therefore, you have to do your best to believe that your marriage will flounder, your children won’t love you, your business will fail, and nothing good will ever work out for you.
Exercise: Do some research on what natural or manmade disasters could occur in your area, such as earthquakes, floods, nuclear plant leaks, rabies outbreaks. Focus on these things for at least an hour a day.
9. Blame your parents. Blaming your parents for your defects, shortcomings, and failures is among the most important steps you can take. After all, your parents made you who you are today; you had nothing to do with it. If you happen to have any good qualities or successes, don’t give your parents credit. Those are flukes.
Extend the blame to other people from your past: the second-grade teacher who yelled at you in the cafeteria, the boy who bullied you when you were 9, the college professor who gave you a D on your paper, your first boyfriend, even the hick town you grew up in—the possibilities are limitless. Blame is essential in the art of being miserable.
Exercise: Call one of your parents and tell her or him that you just remembered something horrible they did when you were a child, and make sure he or she understands how terrible it made you feel and that you’re still suffering from it.
10. Don’t enjoy life’s pleasures. Taking pleasure in things like food, wine, music, and beauty is for flighty, shallow people. Tell yourself that. If you inadvertently find yourself enjoying some flavor, song, or work of art, remind yourself immediately that these are transitory pleasures, which can’t compensate for the miserable state of the world. The same applies to nature. If you accidentally find yourself enjoying a beautiful view, a walk on the beach, or a stroll through a forest, stop! Remind yourself that the world is full of poverty, illness, and devastation. The beauty of nature is a deception.
Exercise: Once a week, engage in an activity that’s supposed to be enjoyable, but do so while thinking about how pointless it is. In other words, concentrate on removing all sense of pleasure from the pleasurable activity.
11. Ruminate. Spend a great deal of time focused on yourself. Worry constantly about the causes of your behavior, analyze your defects, and chew on your problems. This will help you foster a pessimistic view of your life. Don’t allow yourself to become distracted by any positive experience or influence. The point is to ensure that even minor upsets and difficulties appear huge and portentous.
You can ruminate on the problems of others or the world, but make them about you. Your child is sick? Ruminate on what a burden it is for you to take time off from work to care for her. Your spouse is hurt by your behavior? Focus on how terrible it makes you feel when he points out how you make him feel. By ruminating not only on your own problems but also those of others, you’ll come across as a deep, sensitive thinker who holds the weight of the world on your shoulders.
Exercise: Sit in a comfortable chair and seek out negative feelings, like anger, depression, anxiety, boredom, whatever. Concentrate on these feelings for 15 minutes. During the rest of the day, keep them in the back of your mind, no matter what you’re doing.
12. Glorify or vilify the past. Glorifying the past is telling yourself how good, happy, fortunate, and worthwhile life was when you were a child, a young person, or a newly married person—and regretting how it’s all been downhill ever since. When you were young, for example, you were glamorous and danced the samba with handsome men on the beach at twilight; and now you’re in a so-so marriage to an insurance adjuster in Topeka. You should’ve married tall, dark Antonio. You should’ve invested in Microsoft when you had the chance. In short, focus on what you could’ve and should’ve done, instead of what you did. This will surely make you miserable.
Vilifying the past is easy, too. You were born in the wrong place at the wrong time, you never got what you needed, you felt you were discriminated against, you never got to go to summer camp. How can you possibly be happy when you had such a lousy background? It’s important to think that bad memories, serious mistakes, and traumatic events were much more influential in forming you and your future than good memories, successes, and happy events. Focus on bad times. Obsess about them. Treasure them. This will ensure that, no matter what’s happening in the present, you won’t be happy.
Exercise: Make a list of your most important bad memories and keep it where you can review it frequently. Once a week, tell someone about your horrible childhood or how much better your life was 20 years ago.
13. Find a romantic partner to reform. Make sure that you fall in love with someone with a major defect (cat hoarder, gambler, alcoholic, womanizer, sociopath), and set out to reform him or her, regardless of whether he or she wants to be reformed. Believe firmly that you can reform this person, and ignore all evidence to the contrary.
Exercise: Go to online dating sites and see how many bad choices you can find in one afternoon. Make efforts to meet these people. It’s good if the dating site charges a lot of money, since this means you’ll be emotionally starved and poor.
14. Be critical. Make sure to have an endless list of dislikes and voice them often, whether or not your opinion is solicited. For example, don’t hesitate to say, “That’s what you chose to wear this morning?” or “Why is your voice so shrill?” If someone is eating eggs, tell them you don’t like eggs. Your negativity can be applied to almost anything.
It helps if the things you criticize are well liked by most people so that your dislike of them sets you apart. Disliking traffic and mosquitos isn’t creative enough: everyone knows what it’s like to find these things annoying, and they won’t pay much attention if you find them annoying, too. But disliking the new movie that all your friends are praising? You’ll find plenty of opportunities to counter your friends’ glowing reviews with your contrarian opinion.
Exercise: Make a list of 20 things you dislike and see how many times you can insert them into a conversation over the course of the day. For best results, dislike things you’ve never given yourself a chance to like.