Throughout human history, one of life’s greatest riddles has been “What do you get the person who has everything?” Well, a couple of decades ago, some enterprising retailers finally solved the riddle. With a gift card, redeemable for goods and services at your favorite establishment, you can pick your own gift and thank the giver later. Perfect, right?

Have you or a loved one been the victim of unethical transplant brokers? Aside from the ongoing health problems that it caused, don’t you at least deserve your money back? Unfortunately, the process of opening and winning a chargeback dispute in cases like this is weighed down with an unbelievable amount of bureaucratic red tape.

Let’s consider some investment options that we should be on the lookout for in the coming year: Binary options, cryptocurrency, real estate, timeshares, and “Sanctuary Belize.”

Fake securities regulators are only a part of it. You’ll also find fake review sites (prepared by experts, one of them touts), fake customer satisfaction scores, and fake testimonials (featuring stock photos of fake investors). Even fake licenses from real regulators, and, most of all, real licenses from impotent regulators in small, underpopulated island countries you’d probably not be able to find on a map.