JJ Luna

Questions & Comments

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There are 7,674 questions at JJLuna.com.
Reasons to not celebrate...
A year ago, Mr. Luna, you sent me three reasons not to celebrate this coming holiday. I can not find that email on my computer and I wish to print it out and show my new girlfriend. Can you send it to me once more? �¿Por favor?

You forgot to include your email address, Juan. Contact me at Jack (at) JJLuna.com and I'll send the three reasons again.

marriage "off the record"
Are there locations in the US or US territories, for example, which are less accessible in terms of recording marriages as public information ? In our brave new world maybe this is no longer possible in the US or its possessions.

Appreciate any help

Not that I know of, no.

What is your opinion about PaySafe Pre-Paid card?
URL #1: https://www.paysafecard.com/en-us/

Iowa to launch smartphone driver's license
Look like the smart phone will be your DL, insurance ID, library card, and everything else rolled into one.
URL #1: http://www.desmoinesregister.com/story/news/politics/2014/12/08/iowa-digital-smartphone-drivers-license/20114979/

Incoming flight to US - Passport
I recently flew back to the US. In the past there were two lines: 1)Foreigners and 2)US Citizens and Permanent Residents.

This time the second line was labeled "US Citizens Passport Express" They have self service kiosks where you scan your PP, have your photo taken, (of course they already have your photo on the PP) and possibly (I'm not sure) have your fingers scanned like they do for foreigners. There is only a small disclaimer on the bottom of the first screen that says that use of the machines is voluntary. But the employee told me use of the machine was required!!!
Finally a supervisor told me that if you don't want to use the machine you use the line for foreigners. I only saw another person with a US PP in the foreigner line. In that line I was processed as a US citizen (did not have my photo taken and did not have to provide finger scans like foreigners do.)

URL #1: http://www.cbp.gov/travel/us-citizens/automated-passport-control-apc

Re 10904 prepaid/gift cards
There are two types of cards you can buy at store: prepaid and gift.

Prepaid requires personal info including SSN, and is usually reloadable. They will also often want an address to whih they will mail a permanent personalized card. I do not recommend these cards.

Gift card cannot be reloaded and is available in fixed values (such as $100) or variable (usually any amount up to $500.) These are easily activated and any information you provide is not verified. If you use these online you will have to provide the same billing name/address you provided when registering the card, so remember that. Typically there is a fee of $5.95 when you buy the card but no monthly fee. The card is good for several years until it expires, at which point if you have an unused balance you'll need a mailing address to get a replacement card. This is the type of card I prefer.

You can buy these cards at supermarkets and drugstores, that have racks with various gift cards. The one's I've happily used are issued by Metabank (it's in very small type) but I'm sure there are others.

I've used prepaid cards for Amazon and Paypal (they work fine) but for in-person transactions I do as Jack suggests. I use cash. Then when a small amount is left on the card, the next time I buy groceries I do a split transaction: pay part of my purchase with whatever's left on the card (need to tell the cashier the amount; they can only check whether it's authorized or not; they don't know the balance.

Re: #10903 A Little Privacy Please
Hi Mary, I agree with Jack that cash is usually your best option for small purchases. But I prefer to use plastic at the gas pump so I don't have to go inside (twice -- once to prepay and again to get my change). For that I buy gas gift cards at the grocery store or drugstore. They're convenient and there's no service charge. They're good for $50 or $100, and when they're used up you just throw them away and buy a new one. Totally anonymous.

You can also buy gift cards for most national restaurant chains, but as Jack said, why bother?

And you can buy anonymous Visa or American Express gift cards from Simon Malls that you don't have to register for local purchases, but they're not convenient for gas or restaurants because they put a hold on an amount greater than your purchase. Plus there's an activation fee, I believe $5. The AmEx is especially good for travel because it's replaceable if stolen, though I assume it would have to be registered first. They ask for a name and address, no SSN needed.

A Little Privacy Please
Yes, cash is an alternative, but I don't like having a lot of cash with me. I travel to Florida and Arizona and would just like to travel with a cc that wasn't associated with name and info so I don't have to worry while traveling and on the road etc. I read HTBI and haven't been able to find a prepay without all the hassle? Help.

A Little Privacy Please
I'm trying to obtain a prepay CC without giving a name or social. I don't like going into a restaurant or gas station (when traveling) and using a CC that has my name printed on it. I can't find a CC, even a pre pay, without having to give all my info. Next they'll want a DNA sample. Any help out there on how I can obtain a prepay without all the info?

Good grief, Mary, just pay cash, as I have done since the 1940s!

Home titled in LLC
Is it possible to keep your name out of home-related transactions such as:
-hiring a contractor/plumber/electrician
-applying for a permit (remodeling, etc.)
-paying utilities

Would the best solution be to hire someone that can handle all of this for me?

Thank you for your time.

Yes, if the property is not in your name. I can explain how to do it but as of last month, I charge for advice. Contact me by email.

New Mexico LLC & Canary Island Women
Hola JJ Luna!

I saw on one of your post you signed your book contract with your New Mexico LLC. MY question is how did you actually sign the contract? Did you put your name as the nomie of "blank" LLC. IF you put your name on the contract whats the point of using a LLC?

Also this is a bit more shallow but what do the women look like in the canary islands?(plz don't spare details)

As being a young man I may setup shop in those islands if the situation over there is right. ;)

I still answer questions of general interest on this site, but for personal questions such as yours, contact me by email. As of last month, I charge for advice (after 14 years of doing it for free!).

RE: Health Insurance
RE: 10889 What about getting a temporary (maybe a month or so) address in town where you live? Then get PO Box if local po allows you to use their street
address with the box number. (Some do, some don't). Then use either address for the health insurance.
After you get the insurance, give them an address change (to the PO Box). Since it is in the same town and has a street address, ins. co. may think there is no need to "re-rate" your insurance. what do you think?

Mail Forwarding
Hey JJ Luna,

I had a question about mailforwarding in the USA. Currently there are alot of companys that offer this service but the main problem I have is that they want to keep your first and last name on record. Im in no criminal activity but is there a way to use a New Mexico LLC or an equivlent to sign up for a US mail forwarding address. They say they need this form filled out "Form 1583". site: http://www.usa2me.com/site/pgenewcustomerrequirement.aspx

I'm wondering if I go the business route shown here: http://www.usa2me.com/site/pgenewcustomerrequirement.aspx
that I could possibly have a notary like Rosie take care of the sign up and leave my name out of it completely and just have the New Mexico LLC listed.

Wondering if this is possible using Rosie's services?

Thanks again for your expertise and blog. Truly hope there's a way in the future I can give back.

Rosie does not offer such a service. You might check with your bookkeeper. They sometimes get by with receiving incoming mail for their clients.

three reasons
Please tell me why you don't celebrate Christmas. Thank you. I hope you are recovering fully.

You did include your email, so I will email you a detailed answer which no one has yet disputed.

New Mexico LLC

I had a quick question about the New Mexico LLC's. I understand you need a registered agent to complete the process but I was wondering how that process works?

More specifically I wanted to know whether or not I would have to provide my full or partial name to my registered agent for my New Mexico LLC? and if it is required by law that I have to?

Also I had the same question for acquiring a nominee...would that nominee have to know my full name and what is the process of getting one?

Would love to hear you answer these questions public but if email is better that works to.


When you order from Rosie, she takes care of all that.

Use any name(s) you like, no problem. No ID required if via Rosie.

LLCs and real estate
Mr. Luna,

I have read that you recommend New Mexico LLCs for privacy, and home state LLCs for liability protection.

I am considering purchasing some rental houses as investments. No loans would be involved. How would you go about this?

My apologies if this has been answered already. I've searched but haven't found an answer yet.

Title them in Texas LLCs

prepaid cards
This actually isnt a question its about how prepaid cards work.
You (JJ) said it asked for a name address (valid) and a zip.
It does BUT here is the rub as long as the address is valid and the zip is valid it can be fake.
No need to register the card. I do this daily with visa and amex and have never had an avs mismatch (bad address) or any other issue.
Perhaps Amazon etc are changing this as I dont frequent them but no internet processor has declined my card yet not in the US or Canada. Hope that helps :)

RE: #10889 Which address should I give to apply for health insurance?
Tommy... many full-time RVers find themselves in the same predictament that you are. Having a South Dakota domicile and mailing address but they're never in South Dakota.

Kyle Henson is an insurance agent that specializes in health insurance for full-time RVers. His website does a good job explaining how the ACA can be problematic for someone in your situation. His bottom-line advice is... move your domicile to Texas or Florida.

Follow the link and scroll down to "Kyle�s South Dakota Health Insurance Assessment for 2015" for more detail.

URL #1: http://rverhealthinsurance.com/

If not JJ Luna, then who?
I understand JJ Luna is no longer answering questions and many questions go unanswered. Are there any other online privacy resources that will pick up where JJ Luna left off? Thanks.

Let me correct you, Ozzie. I said I was no longer going to answer personal privacy-related questions for FREE, after doing so for the past 14 years. (See http://jjluna.com/Consulting)

There are other authors out there who never answer anyone!

(I still freely answer questions about how to find a true purpose in life, but that is another field, not related to privacy.)

Changing Your Name
Most Common Last Names in the U.S.

Rank Name Occurrences
1. Smith 2,376,206
2. Johnson 1,857,160
3. Williams 1,534,042
4. Brown 1,380,145
5. Jones 1,362,755
6. Miller 1,127,803
7. Davis 1,072,335
8. Garcia 858,289
9. Rodriguez 804,240
10. Wilson 783,051

Get lost in the crowd by doing legal name change.

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