Sam Sky is a Nationally Known Consumer Advocate and well known author. Most notably Sam Sky is the author of The Credit Book. Mr. Sky has written approved courses for/and has been an approved instructor, for, licensed professionals and their continuing education credits for Certified Public Accountants, Licensed Realtors, Licensed Mortgage Loan Officers, and Certified Financial Planners. He has also been a professional speaker, and spoken to over 20 fortune 500 companies, as well as at other large businesses, and events with multiple speakers. Mr. Sky, has previously served as Vice President, for 3 consecutive terms, of Oakland County MADD (Mothers Against Drunk Driving). Mr. Sky was also appointed to facilitate and moderated the 46th district Court Victim Impact Panel, where he brought forth Prosecutors, injured and bereaved victims, videos, and more. Many convicted offenders were required by court order to attend, so they could gain better understanding of the real ramifications, that so frequently occur. This was brought in a non-judgmental format, and has been implemented in many areas around the country. Mr. Sky has owned several businesses, feels fortunate to have great friends, embraces his sense of humor, and has an obsessive passion to reduce the abuse, by those who are using their power, to abuse others. He was born in Detroit, Michigan and has resided in Michigan, California, and Florida. One of Mr. Skyâ€™s personally created quotes, that he really likes is, â€śHelpful love is wonderful, soft love is great, but tough love, can be the most important, courageous, and spectacular gift, for someone who truly needs it.â€ś Mr. Sky believes that gratitude, appreciation, having a positive outlook at circumstances, and acting on courage, is what generates the real massive true power of love, that the universe understands, and, on the surface sometimes – cannot be seen, measured, or fathomed, by many people.