In US, UK and Australia, tax authorities are actively targeting offshore schemes and expatriates at an alarming rate. Outside of unscrupulous promoters of offshore tax havens (and their clients), tax-collecting arms of these governments are also targeting millions of people living and working around world who may be unknowingly committing tax evasion.

Here are some recent examples:

1. Real estate investing is for wealthy. Money helps, but my first real estate investment was a $3,500 lot - which I sold for a profit two weeks after I bought it. Small deals, partners, low-down deals, or just putting aside $7 per day for a couple years until you have enough money for a downpayment - these are some of ways to start with a little and invest in real estate.

2. "0 down" isn't possible. I sold a rental property for $1,000 down because I trusted buyer to make payments, and I wanted 9% interest and higher price. He could have gotten a cash-advance on a credit card for another $30 per month and made it a "0-down" deal. "No money down" means none of YOUR money down, and yes, it happens.

3. "0 down" is best way. If you don't invest some of your own money, you'll have higher payments. You'll also spend more time finding suitable properties, and pay more for them (generally cooperative sellers want more for their cooperation - I do). There are 0-down deals out there - they just aren't always worth doing.