JJ Luna

Questions & Comments

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There are 7,940 questions at JJLuna.com.
Buying a home all cash with an LLC, but using a HELOC
Hi Jack,

I've got one home which I'm halfway through paying off. I bought his one before I read your book. It provides a pretty good rental income so I don't want to sell it.

I want to relocate, and my next house I want to buy under an LLC using all cash, like you've outlined in your book. What are your thoughts on using a home equity line of credit to pull out equity from my first home, in order to pay all cash for my second property? Will I still have the privacy gains from titling the home in the LLC, even if I've used the HELOC to fund it?

Please address all LLC questions to Rosie, who is more up to date state by state, than me.. Be sure to tell her in which state you plan to buy.

Best book for me?
I just checked out your HOW TO BE INVISIBLE book from the library.What you say about Facebook is so true! I have already shut my FB page down.

I see you have five other books. Are there any of them you think I should especially read,just as a general guide the future for me, a young woman at a crossroads?

The best book I ever wrote was WORK FROM HOME AT ANY AGE. It covers far more than the title indicates.

Sadly, some idiot gave it a one-star review, making wild claims including that all the five star reviews were from friends. Totally false, but Amazon will not let me delete it. Thus, it is now out of print. However, used copies are available on Amazon. Get one, Isabella!

What can we learn from the tragic shooting of Philando Castile?
What can we learn from the tragic shooting of Philando Castile?

I have no opinion, Steven, other than in similar cases, I see errors on both sides.

No purpose in life?
Dear Mr. Luna, I seem to be drifting, with no long term goals in mind. Everything seems pointless. Sometimes I wonder why I am even here. And yet, I've read one of your books and you seem to have found the answer. If I may ask, sir, how did you do that? Thanks in advance for whatever answer you can give me.

The answer is too complicated for this forum, Brad. Send me an email with "purpose" as the subject line, so I remember your request. I am preparing a short paper for two others that have contacted me with similar questions. (One is a woman who is 72 years old!)

Preventable crimes
Jack, I'm thinking it was you who wrote that 40,000 felonies would be prevented in the USA each year if people did not open the door to strangers. Sound familiar? If so, do you remember the source of that statistic? Google has been no help.

That sounds like something I wrote, years ago,for my eBook "ALONE AND AFRAID?
I assume I found that info on the internet but no longer remember where, sorry!

Oaklahoma Authorities Get Devices to Seize Funds Loaded to Prepaid Cards
"The contract signed by the state and ERAD Group, obtained by Oklahoma Watch, states that Department of Public Safety will pay a one-time $5,000 implementation charge and a $1,500 training charge for the devices.

ERAD Group will receive a 7.7 percent cut of all funds seized via the card readers."

URL #1: http://oklahomawatch.org/2016/06/07/new-front-in-civil-forfeiture-okla-authorities-get-devices-to-seize-funds-loaded-onto-prepaid-cards/

FindFace: An Incredibly Accurate Facial Recognition App Is Coming � Here's What It Means for Privacy
From the article at the link below:
"Privacy is dead � or at least, it will be soon. That's the conviction held by Russian entrepreneurs Artem Kukharenko and Alexander Kabakov, whose startup, NTechLab, recently launched a facial recognition app that nearly obliterates the concept of anonymity. Called FindFace, the app has remained exclusive to Russia since going live earlier this year. Soon, though, Kuhkarenko and Kabakov are introducing a cloud-based platform that makes their frighteningly accurate algorithm available to everyone, the pair said in a Skype interview in May."

URL #1: https://mic.com/articles/144573/an-incredibly-accurate-facial-recognition-app-is-coming-here-s-what-it-means-for-privacy#.1ju47Yz2Z

Re: #11287 "Real" looking, legal home address , not a PO box near home for digital nomads and perpetual travellers
Many digital nomads really, just enjoy travelling. Maybe they don't like harsh winters, or too hot summers. Legal, I mean, legal tax benefits are a nice addition, though. :)

OK, so I should just use the address of my attorney. Fine, thanks!

Your attorney may not agree to that. Try some of the CMRAs in South Dakota.

End to end encryption on Line app
I know no digital communication is totally secure or private. But what do you think about Line as a better alternative to emails or plain texts?


URL #1: http://www.tomshardware.com/news/line-end-to-end-encryption-all-platforms,30308.html

I have never used encryption. It is too much of a red flag. I prefer to use either a phone or the U.S. mail.

"Real" looking, legal home address , not a PO box near home for digital nomads and perpetual travellers
I understand in HTBI you suggest two addresses: one ghost address far away (you specifically offer a choice of either a US or Spanish address) and one close home (can be a box, it doesn't have to be as fancy or sophisticated as the far away address). That is all for folks actually living somewhere called 'home.'

Now there is another set of people, who can be described as digital nomads or perpetual travellers, always on the move, without a fix base. You can relate to that too, you wrote a book on RVing. For legal and tax purposes, I still have to maintain a home address, which cannot be just a box address, but also can't be in the US or Spain, it has to be a reliable, real street address somewhere, anywhere in my country, Sweden.

I wonder what type of address would be best for this situation? I was thinking of using an address of an attorney. Seems like a more reliable option to me than any mom and pap shop, even the address of an accountant, small hotel, restaurant, anything else. Is the address of the attorney a good option here? How would you proceed? How to come up with the more sophisticated version of the address anywhere, not just at your given Alaska and Canary locations?

I am not sure what you are trying to accomplish, but you mention the PT travelers. The aim of many PTs is to never pay taxes anywhere. That may not be true in your case, of course, so why not use the address of your attorney?

Police can force you to unlock a phone with fingerprint locks, but not password locks
Your fingerprint is not protected under the 5th amendment. Police can force you to unlock a phone with fingerprint locks, but not password locks.
URL #1: http://time.com/3558936/fingerprint-password-fifth-amendment/

llc for house
how do you transfer a house to a llc?

Marc, T turned over the LLC business to Rosie, several years ago. State laws differ.(Rosie@senoritarosie.com).

Assuming you own your home free and clear, be sure to tell her in which state you live.

The root of this problem is always isolation. Thwart your tormentor by refusing to be isolated anymore.

- Call the local houses of worship.
- See who will visit you in your home.
- They should be happy to visit with you.
- Develop a friendship with them.
- Gather witnesses to your living conditions.
- Attend their gatherings regularly.
- Ask you new friends for assistance.

Why houses of worship?
- That community is made up of a cross-section of the rest of the community.
- At houses of worship you meet representatives of white collar and blue collar industries. Instant network of 50-100 potential calls for help.
- Their (hopefully united) mindset is, or ought to be, one of genuine helpfulness. If the one you visit isn't, go somewhere else.
- The testimony of your spiritual leaders and fellow congregants will often hold more weight than that of many others.

FBI Bugs Bay Area Street Corners
The lawyer is actually wrong in this article. If you're on a public road and talking... I can record and use that information. Whether it's just your side of a phone conversation or a group conversation in a crowd.

If you say it in public, you wanted me to hear it.

The security consultant is right - doing something you want to keep private? Take steps to make it private!
If you don't make any effort, it must not have been that important to you and you *can't* complain later.

URL #1: http://sanfrancisco.cbslocal.com/2016/05/13/hidden-microphones-exposed-as-part-of-government-surveillance-program-in-the-bay-area/

Identity theft
I spoke with one of our mechanics this morning and he told me of his misery. He is an american citizen born and raised here and has never left the US. He is of mexican heritage and has both a spanish first and last name. He currently has fifteen different people using his name and SSN in four different states. He found this out when he filed taxes and his return was rejected by the IRS. It seems that the immigrants not only buy and use his identity but resell it to other immigrants as well. Like water poured out on the ground that cannot be gathered back up so is one's privacy once it is lost.

"By granting every federal magistrate judge the right to issue a warrant for anyone using Tor, anonymity on the Internet may become a serious offense. Moreover, if the US Congress does not undertake action to fight this ruling, it will go into effect as soon as December 2016."
URL #1: http://themerkle.com/fbi-can-obtain-a-warrant-if-you-run-tor-come-december/

Re: 11277
What a mess! I was in a situation where I got smacked around & kicked. I went to one of those places. They wanted me to come in every week for "counseling" & treated me like I couldn't find my way out of a phone booth. I didn't need counseling--I needed a plan. So I sure hope this doesn't involve assault as well.

I don't mean this to sound harsh, & I (obviously) don't know your whole situation: Instead of describing yourself as a "victim," see yourself as having a problem to solve!

First, the Postmaster General takes a very dim view of fooling around w/ another's mail :) I've given you a link. If you choose go to one of those places, they'll probably let you have your mail sent there. If notarization is the only issue & you have any ID at all, maybe a PO box/CMRA adress?

While it's fresh in your mind, write down dates/times when he destroyed your mail. Not "type:" WRITE. Handwritten notes carry more weight.

Does he control the transportation? Who goes to the store? If you can use the car(s), get a pre-paid phone & activate it at a library or at one of those places. They probably have Inernet. You might need it. A small go-bag w/ the bare essentials would be handy as well.

PS: Smacker/kicker finally got arrested. Too bad I knew his license plate #. He was picked up within 30 min. & got a room courtesy of the County. Judge not only fined him, but awarded me a few bucks as well.

URL #1: https://www.uspsoig.gov/hotline

Re: 11277
There must be some community resources to help you, such as battered women's shelters, or victims' advocacy organizations. They might have an attorney on staff who can help. Or try Legal Aid. Or the police, or the local prosecutor. You need to get out of the abusive situation, pronto. Then deal with the probate/stock sales. There are groups that can help people in your situation.

In a real quandary & in need of help.
I am dealing with the final probate of my father's estate. Of which I've had to sell some stocks. Which requires me to have a document notarized.

The problem? Im a victim of domestic violence. My abuser has twice sent my certified birth certificate & ssa card through a cross shredder. Both times I'd spent over $800 to pay for a ride to take me to the office of vital stats & ssa in the state I'm from. Plus the fees for two certified copies of my birth certificate & ssa card. The second time I also paid $80 to obtain a new DL. No sooner had I return to the house, then he'd gotten his hands on my docs & new DL that I'd spent an entire day to get & was sending them through the cross shredder while yelling "good luck proving who you are now $*@#!".
By the time I was able to save up enough money to replace the shredded docs my ID was long expired & wouldn't be accepted by the office of vital stats/ssa admin office.

My question is how do I get this document notarized w/o valid ID? I have no friends in the state I'm currently shanghaied in nor any living relatives. I really need this money so I can escape the abusive nightmare living situation that I've been trapped in for the last 8yrs. I've checked the national notary website, the society of notaries, along with a host of others. All say that the state I'm in will allow a credible witness to vouch for me. But the notary must personally know the credible witness. I don't have any money to retain an attorney for help.

Any advice & guidance you can offer will be greatly appreciated as I'm at my wits end on how to handle the situation without facing legal repercussions.


passport with alias name
Dear Mr. Luna, It is my understanding that if you have a minor non-violent conviction, that happened many years ago in the united state, that a foreign country may not accept your entry passport over this technicality and send you back home.

my question is: Is it possible and legal to have an alias name on a United States Passport?

May a person with good intent assume an alias name on his passport, so this problem does not happen when your with your family entering a foreign country?

I do not think so.

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