Deceptive Money

By Bob Brooks

No Synopsis Available.

• Format: Paperback
• Language: English
• ISBN: 0972504214
• ISBN13: 9780972504218
• Release Date: April 2009
• Publisher: Springboard Publishing
• Length: 240 Pages
• Weight: 1.10 lbs.

Customer Reviews

A tool kit for those in debt

For a variety of reasons, people can be caught in a credit crisis. Deceptive Money contains valuable help. IT IS A TOOL KIT FOR THOSE IN DEBT. You can get out of debt and improve your credit score. And you can do it youself without paying fees to someone who offers no more than this book. The instructions contain lots of Dos and Don'ts. A library of blank documents is included so that individuals can take steps to prevent themselves from being abused. Clear warnings for when you need to engage a lawyer are given also. The book discusses the value of credit and your credit score. You can have credit, use the credit, AND stay out of trouble. But you have to be careful because credit companies are not your friends. Their goal is to collect interest from you on unpaid balances, and to elevate that balance and rate to the max as quickly as possible. When you sign a credit agreement you have made yourself vulnerable to a business whose goal is to take as much of your money from you as you first, and then the law allows. If you do not control the "you first" part, you could find yourself in ruin; the law will allow credit companies to ruin you. The borrower is slave to the lender. Deceptive Money also presents a money management technique that families can employ to live within their incomes, "The Boundary System". With it, you can use credit as a tool for transacting purchases, but not as a source of income. As I drive to work I listen to a radio talk show called "Prudent Money". The majority of the callers are people seeking advice on solving problems related to credit. The host is a good man named Bob Brooks, the author of Deceptive Money. After a few months listening to this guy counseling folks, I knew he could teach me something. I bought his book, I read it, and was impressed. Half way through I stopped to buy copies for both of my sons, who are young ministers. It will be an excellent resource for them as they counsel folks from all walks of life. Here's why I said Bob Brooks is a good man. He knows money problems hurt so much more than just your wallet. They can reach to the very soul of individuals and families. From page 235, "Debt is not just a financial problem. It is a heart problem. By accumulating debt, we are not only leveraging our bank accounts, we are leveraging our hearts". In concluding the book, he exposes his own heart with a compassionate witness that "Getting out of debt is a process that starts from the inside with changing your definition of happiness and contentment. When you really get that message, debt loses its grip. You can take your life back from the credit trap once and for all. The trap then becomes a defining moment in your life".

Great book! Whether you are in a little or a lot of debt I highly recommend reading Deceptive Money.

Great book! Whether you are in a little or a lot of debt I highly recommend reading Deceptive Money. Bob Brooks genuinely cares about providing the reader with essential information about creditors and the credit system. I admit to being a "fantasy budgeter" (see pg. 98); however, Bob's Boundary System (chapter 8) provides a more realistic approach to accurately track your spending. I was impressed that Bob acknowledges "life happens" and that many of us, myself included, find ourselves in debt because of emergencies that had to be addressed - resulting in unwanted debt. Bob provides real-life examples of different debt situations; one or several of which the reader can identify with. Bob also delivers a letter library (beginning pg. 219), email and physical addresses throughout the book to credit bureaus, government agencies and much more. Unlike other books, Mr. Brooks caring and integrity are woven throughout the book by addressing personal values; using his own experiences concerning money issues and answering the money questions of 15,000 emails! Deceptive Money stresses that there are no quick fixes for getting out of debt. Repeatedly with steadfast honesty, Bob states that hard work, organization and diligence are the keys to financial "debt free" freedom. Deceptive Money gives you that crucial inspiration to START and STICK WITH IT! You will succeed. Thanks Bob!

you don't want to miss this!

In a style that is incredibly easy to understand, Bob Brooks gives us a surprising but accurate picture of the credit situation we are facing. He not only exposes the reality behind the marketing of credit card companies and the abusive practices of debt collectors, but he gives PRACTICAL ways to fight back. This book is filled with information that will benefit every person who reads it, regardless of their financial situation. Two thumbs up...five stars...a definite "MUST READ"!

The TRUTH about debt and help to get out of it!

Bob has definitely done his research. This book gives the reader everything they need to know to go about getting out of debt and dealing with harrassing creditors. The information about those credit consolidation companies is alarming. Finally, a book that uses biblical principals to help people get their finances in order. Whether you are in debt or not, if you even use a credit card you need to read the information about how the credit card companies operate.