They prey on people who are in serious debt problems. If you want to get a business card, print it up and call yourself a tax expert, you're not regulated.

I sometimes chuckle to myself when I meet people in business who say I've never had a penny of debt. I say why not do it in half the time with a bit of debt? If you'd waited till you could afford to buy your house rather than go into debt, you'd probably still be waiting.

One of the problems with any new technology is that unless people can actually see it, the technology is just a gleam in somebody's eye.

The IRS suspects there's something wrong, or they wouldn't have picked you to start with. Taxpayers just prolong the process.

Your job is to stay out of that 10 percent.

They're grading for audit potential, and the more your return deviates from the norm, the higher your score.