A leprechaun frolicked from under the magnificent rainbow that caressed the once heavily laden rain soaked valley. A pot of gold lay beneath his feet and a smile paraded from his lips as a man tried with all of his might to catch the lively elf. His pursuit was quickly thwarted with the disappearance of the green man and the gold he guarded.

So many people are easy targets to con artists who prey upon good and honest people. Victims are hard working people who toil and slave to build a nest egg for the rainy days of life. People who fight to get ahead, but often times fall prey to scams and opportunities that don't exist.

People are deceived by credit card companies that convince them that they can have a new tool, a new piece of furniture, the new appliance, or something so necessary as the plumbing repaired that is leaking under the kitchen sink. Companies that exploit those who don't understand how interest expands and accumulates making a person pay up to three times the price for an item they may not really need.

Recently I moved a debt on a credit card over to a non-interest card for a year. When I did this I had no knowledge as to how the plan worked so I asked a lot of questions to the person who was helping me with this task. She explained that there was no interest for a year on the transfer, but if I used the credit card again towards any purchases then I would have to pay interest.

Well that sounded right until she made one final statement. When I use the card for another purchase and I make a payment, then my payment goes towards the non-interest transfer. In other words I would not be able to pay off the interest credit until I had paid off the interest-free transfer first.

Suddenly a revelation came to my mind and I stated, if that's the case, I will put this card up and not use it again until the transfer was paid. The woman on the other end of the phone realized that she had just revealed a secret used by the credit card companies. She was shocked on how quickly I comprehended what she said and she became very quiet.

People who are wise financially know how to trick people who are using credit to get ahead. They set snares to trap those who think that credit is a way to have the things that you want now. People who don't understand, become easily ensnared with too much debt.

Recently I took out a mortgage on my home. When I signed the papers, she explained that it would be best if I paid as much as possible the first few years over and above my payment, because it would solely go towards the principle of the loan. The principle was the original loan amount. The creditor has the right to take their interest first while paying the principle last. In other words very little of my monthly payment would go towards the real amount for my loan unless I paid extra at the beginning of the loan.

I was amazed at how the rich can rob honest, hard working people in the name of a loan. They have all the power and the intellect to pilfer and plunder those who have to use credit in order to have a home to live in.

Luke 16: 8, "As a result the master of this dishonest manager praised him for doing such a shrewd thing; because the people of this world are much more shrewd in handling their affairs than the people who belong to the light."

Every where I turn, I find money hungry people inventing schemes to take money from the poor and give it to the rich. Even our government has gotten into the act through the state funded lottery. People have been fooled into believing they can win money without working for it.

Luke 12: 2-5, "Whatever is covered up will be uncovered, and every secret will be made known. So then, whatever you have said in the dark will be heard in broad daylight, and whatever you have whispered in private in a closed room will be shouted from the housetops.
I tell you, my friends, do not be afraid of those who kill the body but cannot afterward do anything worse. I will show you whom to fear: fear God, who, after killing, has the authority to throw into hell. Believe me, he is the one you must fear!"

Creditors, people in government, friends, loved ones, beware that anything you do that hurts another human being will be seen by God and you will be judged for the pain you inflicted through charging excessive interest on loans. God sees everything and His judgment is final!

I saw a man in ragged clothes who looked like he hadn't eaten for a while. He unfolded a crumbled dollar bill and handed it to the clerk who promptly gave him a lottery ticket. He didn't win anything and he left the store with his head hanging down in defeat.

The poor are the easiest target for the rich! They believe what they are buying can save them from the hardness of life. They believe in the schemes of governments and people who are smart financially and as a result bankruptcy is filling our courts.

Of course the banks and credit card companies are not to blame. People make their own choices. If they can't handle their money then it's their fault when they accumulate too much debt. They didn't have to buy the lottery tickets!

Still people are fooled and deceived easily sometimes from the very people they love. I loaned over fifty thousand dollars to a friend and she never paid me back. That is where the biggest hurt can happen. When the people who say they love you take advantage of you so they can get ahead. It would be different if she took responsibility, and at least tried to pay a little, but she didn't even try, she just cut me out of her life.

Luke 8:17, "What ever is hidden away will be brought out into the open, and whatever is covered up will be found and brought to light."

Our world is filled with evil and everything people do to each other will be found out. You cannot cheat and deceive people without coming under the judgment of God. Your deeds will be discovered and uncovered for all people to see.

Matthew 10: 26-28, "So do not be afraid of people. What ever is now covered up will be uncovered, and every secret will be made known. What I am telling you in the dark you must repeat in broad daylight, and what you have heard in private you must announce from the housetops. Do not be afraid of those who kill the body but cannot kill the soul; rather be afraid of God, who can destroy both body and soul in hell."

Money is the root of all evil for those who take advantage of people who are good. Money is evil when it is put into the hands of those who don't care about anyone other than themselves. Be ashamed creditors, bankers and even friends who think they can take whatever they want from those who are not as financially wise.

I have learned a lot and I pass on what I learn in hope that good people will not do evil. I pray if you are a person who works in a financial institute that you will explain clearly to all who borrow money. I pray to all friends who barrow without believing that it isn't necessary to pay it back that you listen and take heed that God is watching and He will repay those who think they got their money free and clear!