Here is the list of the “dirty dozen” scams.Arrangements that are potentially abusive:Monetized Installment Sales: violation of anti-pledging lawsMaltese Treaty Benefits for Pensions: Misuse of treaty provisionsForeign Captive Insurance: abnormal pricing, implausible risks, the company has no business purpose for entering into the arrangementCharitable Remainder Annuity Trusts (CRATS): to eliminate taxable gainsFraud that is consumer focused:Anonymous Communications: Scammers with the intent of defrauding taxpayersOffer in Compromise (OIC) Mills: Companies that offer to settle your debt with IRS but leave you in a worse positionSpear Phishing: Pretending to be the IRSCOVID-Related Fraud: Identify theftHigh-Net-Worth ActivitiesHigh-Earner Failure to File: taxpayers with over $100k in income that fail to file tax returnsMicro-captive Insurance Arrangements: Nonexistent insurance coverageOffshore Accounts and Digital Assets: Hiding incomeSyndicated Conservation Easements: Unwarranted and inflated tax deductionsAs always, if something seems too good to be true, it most likely is.

Know and be sure, because when it hits the fan, you will be the one having to defend yourself. 

Justification would be something like our units have ceramic tile floors throughout the property where comparable units only have carpet throughout or something as simple as ceiling fans in the bedrooms vs. basic lighting. 

I'm not a fan of HELOCs in a rising interest rate environment. 

I'm a huge fan of Tribute Pizza in North Park.

I am a huge fan of folks starting part time, but that could be a tough schedule if you literally can't take a client's call for 2 weeks.

I am not a huge fan of it.

Basically, you're providing a vent to the outdoors for the exhaust fan in the range hood.

i'm a big fan of getting 3 quotes, at least one of them through a broker, and then asking them to go line-by-line through it each time and explain it.  

The market is shifting.I'm not a fan of VA loans in a tight sellers market as a seller with all the subject-to seller corrects on older properties like I tend to have,  but the market is shifting in favor of buyers.