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	<title>Bob Brooks - Prudent Money Blog &#187; Consumer Warnings</title>
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	<link>http://blog.prudentmoney.com</link>
	<description>No hype. No agenda. Just financial information from a Christian perspective.</description>
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		<title>No More Fraud Alerts</title>
		<link>http://blog.prudentmoney.com/2009/08/31/no-more-fraud-alerts/</link>
		<comments>http://blog.prudentmoney.com/2009/08/31/no-more-fraud-alerts/#comments</comments>
		<pubDate>Mon, 31 Aug 2009 14:40:52 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Consumer Warnings]]></category>
		<category><![CDATA[Credit Score]]></category>
		<category><![CDATA[Bob Brooks]]></category>
		<category><![CDATA[Congress]]></category>
		<category><![CDATA[credit reports]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[Fair and Accurate Credit Transactions Law]]></category>
		<category><![CDATA[fraud alerts]]></category>
		<category><![CDATA[identity]]></category>
		<category><![CDATA[Identity Theft]]></category>
		<category><![CDATA[Prudent Money]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=2546</guid>
		<description><![CDATA[For years, LifeLock has aggressively advertized that they will protect your identity like no other. They even offer a $1,000,000 guarantee.  What they don&#8217;t tell you is that they are simply putting fraud alerts on your credit files which have been shown to work 75% of the time.  Now, anyone can put fraud [...]]]></description>
		<wfw:commentRss>http://blog.prudentmoney.com/2009/08/31/no-more-fraud-alerts/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The Marketing Pitch with &#8220;Guaranteed&#8221; Investments Ends Up Not Being So Great</title>
		<link>http://blog.prudentmoney.com/2009/08/14/the-marketing-pitch-with-guaranteed-investments-ends-up-not-being-so-great/</link>
		<comments>http://blog.prudentmoney.com/2009/08/14/the-marketing-pitch-with-guaranteed-investments-ends-up-not-being-so-great/#comments</comments>
		<pubDate>Fri, 14 Aug 2009 15:23:36 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Consumer Warnings]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Bob Brooks]]></category>
		<category><![CDATA[Deceptive Money]]></category>
		<category><![CDATA[equity indexed annuities]]></category>
		<category><![CDATA[insurance companies]]></category>
		<category><![CDATA[investments]]></category>
		<category><![CDATA[investor]]></category>
		<category><![CDATA[irresponsible marketing]]></category>
		<category><![CDATA[marketing]]></category>
		<category><![CDATA[Prudent Money]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=2388</guid>
		<description><![CDATA[A key to being a successful investor is the ability to tell the difference between the marketing and reality.  Investors make the biggest mistakes when they make a decision based on the marketing pitch.  
You have probably heard the pitch made by insurance companies on equity indexed annuities.  They claim that you [...]]]></description>
		<wfw:commentRss>http://blog.prudentmoney.com/2009/08/14/the-marketing-pitch-with-guaranteed-investments-ends-up-not-being-so-great/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>You Never Want to Let a Serious Crisis go to Waste</title>
		<link>http://blog.prudentmoney.com/2009/06/26/you-never-want-to-let-a-serious-crisis-go-to-waste/</link>
		<comments>http://blog.prudentmoney.com/2009/06/26/you-never-want-to-let-a-serious-crisis-go-to-waste/#comments</comments>
		<pubDate>Fri, 26 Jun 2009 15:19:21 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Consumer Warnings]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[bankruptcy]]></category>
		<category><![CDATA[Bo]]></category>
		<category><![CDATA[Bob Brooks]]></category>
		<category><![CDATA[credit counseling]]></category>
		<category><![CDATA[Debt Settlement USA]]></category>
		<category><![CDATA[debt solution business]]></category>
		<category><![CDATA[Deceptive Money]]></category>
		<category><![CDATA[fraud]]></category>
		<category><![CDATA[National Federation of Consumer Counseling]]></category>
		<category><![CDATA[NFCC]]></category>
		<category><![CDATA[politicians]]></category>
		<category><![CDATA[Prudent Money]]></category>
		<category><![CDATA[Ron Emanuel]]></category>
		<category><![CDATA[scams]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=1849</guid>
		<description><![CDATA[

You never want to let a serious crisis go to waste &#8211; Ron Emanuel
 
The politicians aren&#8217;t the only people who do not want to let a serious crisis go to waste.  There are also opportunists in the debt solution business that want to seize the opportunity as well.  These companies that do everything from credit counseling to [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Be Careful &#8211; Ponzi Schemes Are All Around Us</title>
		<link>http://blog.prudentmoney.com/2009/06/10/be-careful-ponzi-schemes-are-all-around-us/</link>
		<comments>http://blog.prudentmoney.com/2009/06/10/be-careful-ponzi-schemes-are-all-around-us/#comments</comments>
		<pubDate>Wed, 10 Jun 2009 14:42:43 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Consumer Warnings]]></category>
		<category><![CDATA[Bob Brooks]]></category>
		<category><![CDATA[Deceptive Money]]></category>
		<category><![CDATA[HYIP]]></category>
		<category><![CDATA[Investment]]></category>
		<category><![CDATA[investors]]></category>
		<category><![CDATA[money]]></category>
		<category><![CDATA[ponzi scheme]]></category>
		<category><![CDATA[Prudent Money]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=1619</guid>
		<description><![CDATA[

New Deceptive Tip Post Today!
I had a listener e-mail me about a program that you could put your money in for 30 days and you would receive 30% interest during that thirty day period.  The first place you always look when you find something that seems too good to be true is the fine print.  [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Beware of Debt Solution Companies</title>
		<link>http://blog.prudentmoney.com/2009/03/18/beware-of-debt-solution-companies/</link>
		<comments>http://blog.prudentmoney.com/2009/03/18/beware-of-debt-solution-companies/#comments</comments>
		<pubDate>Wed, 18 Mar 2009 15:37:04 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Consumer Warnings]]></category>
		<category><![CDATA[Debt]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=1004</guid>
		<description><![CDATA[In my upcoming book, Deceptive Money, I write extensively about these so called &#8220;Debt Solution&#8221; companies.  Actually, it is a warning more than anything.  I will be writing a lot about these companies so that you can pick up the scam artists.   Are there good companies out there in the debt solutions business?  If they [...]]]></description>
		<wfw:commentRss>http://blog.prudentmoney.com/2009/03/18/beware-of-debt-solution-companies/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>The Harsh Reality about Consumer Credit Counseling</title>
		<link>http://blog.prudentmoney.com/2009/03/17/the-harsh-reality-about-consumer-credit-counseling/</link>
		<comments>http://blog.prudentmoney.com/2009/03/17/the-harsh-reality-about-consumer-credit-counseling/#comments</comments>
		<pubDate>Tue, 17 Mar 2009 14:50:16 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Consumer Warnings]]></category>
		<category><![CDATA[Credit Card Industry]]></category>
		<category><![CDATA[Debt]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=997</guid>
		<description><![CDATA[

If you are enrolling in a debt management program, you need to know and investigate the following:
 
(1)   When you first work with a counselor, they take a look at your debt and then present you with a proposal of how they are going to lower your payment, interest rates, and save you money.  In reality, [...]]]></description>
		<wfw:commentRss>http://blog.prudentmoney.com/2009/03/17/the-harsh-reality-about-consumer-credit-counseling/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Mobile Phone Scam</title>
		<link>http://blog.prudentmoney.com/2009/03/16/the-mobile-phone-scam/</link>
		<comments>http://blog.prudentmoney.com/2009/03/16/the-mobile-phone-scam/#comments</comments>
		<pubDate>Mon, 16 Mar 2009 14:46:15 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Consumer Warnings]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=983</guid>
		<description><![CDATA[An interesting scam I will bet you never thought of!
MOBILE PHONE
I never thought of this&#8230;.This lady has now changed her habit of how she lists her names on her mobile phone after her handbag was stolen. Her handbag, which contained her cell phone, credit card, wallet, etc. was stolen.  Twenty minutes later when she called [...]]]></description>
		<wfw:commentRss>http://blog.prudentmoney.com/2009/03/16/the-mobile-phone-scam/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>An Identity Theft Scam That You Will Not Believe</title>
		<link>http://blog.prudentmoney.com/2009/03/04/an-identity-theft-scam-that-you-will-not-believe/</link>
		<comments>http://blog.prudentmoney.com/2009/03/04/an-identity-theft-scam-that-you-will-not-believe/#comments</comments>
		<pubDate>Wed, 04 Mar 2009 16:36:12 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Consumer Warnings]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=927</guid>
		<description><![CDATA[I had a listener send me information on an identity theft scam that involves an ATM machine and a debit card.  The link below takes you to a slide show of actual pictures showing the scam happening.  It is unbelievable.  It does underscore how careful you have to be in this day and time.
The Federal [...]]]></description>
		<wfw:commentRss>http://blog.prudentmoney.com/2009/03/04/an-identity-theft-scam-that-you-will-not-believe/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Another Credit Card Story that you need to know</title>
		<link>http://blog.prudentmoney.com/2009/02/23/another-credit-card-story-that-you-need-to-know/</link>
		<comments>http://blog.prudentmoney.com/2009/02/23/another-credit-card-story-that-you-need-to-know/#comments</comments>
		<pubDate>Mon, 23 Feb 2009 22:33:48 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Consumer Warnings]]></category>
		<category><![CDATA[Credit Card Industry]]></category>
		<category><![CDATA[credit card companies; universal default clause]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=879</guid>
		<description><![CDATA[ASK BOB Q AND A  
I have a credit card that had $3400 credit limit.

The balance on that card never went above $1000 and I made payments every month, even when I had &#8220;No payment due&#8221;. I ALWAYS paid more than what was due.  I pulled my payment history and it does show that I [...]]]></description>
		<wfw:commentRss>http://blog.prudentmoney.com/2009/02/23/another-credit-card-story-that-you-need-to-know/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Not So Smart Identity Thief</title>
		<link>http://blog.prudentmoney.com/2009/02/10/not-so-smart-identity-thief/</link>
		<comments>http://blog.prudentmoney.com/2009/02/10/not-so-smart-identity-thief/#comments</comments>
		<pubDate>Tue, 10 Feb 2009 19:20:32 +0000</pubDate>
		<dc:creator>bob@prudentmoney.com</dc:creator>
				<category><![CDATA[Consumer Warnings]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://blog.prudentmoney.com/?p=838</guid>
		<description><![CDATA[I love this story about Brad and Sarah Bailey of Lewisville, Texas.  According to WFAA.com, Mr. Bailey had discovered that he was a victim of identity theft.  One charge in particular motivated Mr. Bailey to investigate and see if he could catch the thief.  Apparently, the identity thief was having a little pizza, courtesy of the [...]]]></description>
		<wfw:commentRss>http://blog.prudentmoney.com/2009/02/10/not-so-smart-identity-thief/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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