Color schemes to avoid, tigger wording that encourage taking action immediately etc... and the biggest thing is simplicity!

And I can also see that paying (tax deductible) Advisers to steer them into Tax Minimization Schemes will continue to be a thriving industry - right up to the moment when the merry-go-round stops!

In this case, the defendants are contending that they were entitled to take advantage of this law because a Delaware state bank served as the lending partner when making loans to Pennsylvania customers.Kane and the firm Langer Grogan & Diver called this a “rent-a-bank scheme” and countered that it goes against state law, which does not allow for interest rates as high as those charged by the defendants.Kane also alleged that the defendants engaged in a rent-a-tribe scheme, in which they also partnered with Native American tribes to offer loans at rates permitted by tribal law.

You might have a repurchase guarantee, but what goes on is that there is another investor willing to roll the dice, if these were in the securities market we'd call it churning accounts, an illegal matter and when a brokerage relies on other investors you enter the Ponzi scheme realm.

Insurance companies are catching on to these schemes.

- no get rich scheme!!!  

These schemes work this way: "Im a celebrity, I was once poor, I did xyz, you can do it too for a nominal fee"...

Using schemes and technicalities in the FCRA to "remove" things from your consumer report is pretty pointless unless you intend to only use lenders who rely solely on consumer credit reports.ING uses the raw data and runs the FICO model with their variable adjustments on it.

I agree that in the grand scheme of things (well, REI things), $500 isn't a lot.

Hi DonI agree with others who point out that POFs have become kind of like a Ponzi scheme.