If the IRS initiates an audit and found that the transfer was done to avoid taxes in a fraudulent manner you are in for a world of trouble. 8)

Be wary of who you use though as many, many are fraudulent.

If you know what features each offers, and the price points for that particular manufacturer you can make an intelligent decision as to what items you want to buy.Or, if you don't want to go to the trouble of learning all of these things, you could just go the "get the cheapest" rout and roll the dice and take your chances, but if you make a mistake and you have 100+ faucets to replace after only a few months because you gambled wrong (or 100+ toilets with plastic flush levers that break off or won't flush much volume, or etc...) you'll probably wish you had more knowledge of these things before cutting checks.Good Luck!

Interest on loans for personal use (new car, fixing the roof on your home, new home, gambling in Vegas) cannot be deducted.

Buying new construction and betting on appreciation is gambling, not investing.

Card not Present (CNP) is one of the worst abused / fraudulent forms of payment globally today.  

The ESA is where you typically see fraudulent applications.

I find his videos about the gambling guys to be particularly interesting.

both.. some nasty marketing companies came to your countries and really put a lot of your folks smack dab into the hood... 5 to 9% returns are realistic over that your gambling and your probably going to wish you had just bought close to home

My take on the appreciation question is that investing for appreciation amounts to speculation, and for that read "gambling".