JJ Luna

Questions & Comments

There are 7,114 questions at JJLuna.com.
#6146 07/14/09 My Experience with the Arizona DMV
I purchased one of the LLCs advertised on this site a couple months back and up til now, never used it. In the meantime I did make up a logo and type up some letterhead to state that my

Lee, ,      Age: 30s
You're very welcome, Lee, and right on the ball when you talk about titling the cargo trailer.

#6145 07/14/09 ISP Anonymity
This is partly a statement and partly a question -- I guess. I'm reading your book, How to Be Invisible, and the ISP privacy section seemed to me, to be difficult in attaining privacy. It is possible but it requires some work. I recently got a text message from Virgin Mobile and they just told me that they have a prepaid to go broadband internet access service. Here's the URL:

[Enter URL here] (Spam filter wont let me put url here)

Would you recommend these for EASY to attain ISP privacy?
URL #1: http://web.virginmobileusa.com/broadband

Kevin, ,      Age: 19

#6143 07/13/09 alternative I.D.
At the end of this year or the beginning of next year, I will be going to the Dominican Republic to get my permanent residence card. I have had my temporary residence card for about seven months now and I live in the states somewhat invisibly even though I have legal residency in the D.R. When I go back at the end of the year to get my permanent residence I will also get a D.R. drivers license which costs about $30.00 USD. I can have a remail address there also but I will return to the states to continue my invisible existence. I have found some very low priced lawyers to work with to get this residence and am very happy with my decision to vacation with a purpose in the D.R.

David, ,      Age: 44

#6138 07/12/09 Cap & Trade
Cap and Trade, better known as the "Energy Bill" is one of the most intrusive and privacy destroying bills imaginable.


The provisions of the bill will create an entire new federal building code enforcement arm and massive new federal powers to physically invade your home to see that you comply with new energy use rules to be made up by the Secretary of Energy and enforced by his own private jackboot squads.


By 2029, all new residential homes and businesses will have to use minimum 70 percent less energy than they do today, and your home will not only be physically inspected and certified as meeting the regs, but it will be entered in a federal database, and combined with "Smart Grid" technology, the feds will be able to monitor your energy usage in real time, and shut down your appliances as they see fit.


And that's on top of the whole carbon tax scheme.
URL #1: http://thebroadside.freedomblogging.com/

Seth, ,      Age: 50


#6136 07/10/09 Name On Online Databases
A way to increase invisibility is removing my name from internet databases, such as background checks and white pages, for the most part, with success. Some, however, do not have this option, for their own reasons (ie Integra Scan). What do you suggest?
I enjoy reading your book and blog.
Thank you for your time.
Everett

Everett, ,      Age: 45
The only way to absolutely positively become invisible is to move, use another name, and follow instructions in HTBI to the letter.

Not easy.


#6135 07/10/09 Rubber stamp for junk mail (#6134)
Be aware of the possible problems using a rubber stamp saying MOVED, LEFT NO ADDRESS (or some variation) on the outside of an envelope. See post #2588 and JJ's reply.

Randy, ,      Age: 46

#6134 07/09/09 MOVED, LEFT NO ADDRESS
I thought Jack's use of a rubber stamp, (see his answer to post # 5982), "MOVED, LEFT NO ADDRESS" was an excellent idea. So I hurried down to the custom rubber stamp place to have one made. Then I thought, "Shouldn't it say "MOVED, NO FORWARDING ADDRESS"?



I decided to check it out. Jack is very thorough, so he's probably right - still . . .



I did a search on the net and found an article about auxiliary postal markings! I was surprised to find such an article! The title is "Return To Sender 2005: No Mail Receptacle" by Douglas B. Quine.



Here's the link if you want to read the article:



(website address)



It will contain much more information than you ever wanted to know on the subject but is, none the less, fascinating.



Now, I'm an old philatelist so was not too surprised that there are those interested enough to collect these auxiliary postal markings. But I was surprised to find an article, with color examples of these imprints.



Jack is right. The term as used is "MOVED, LEFT NO ADDRESS" however it is usually included as just one of several reasons to send mail back on a "multi choice" stamp.



The article states: " 'Return to Sender’ handstamps must number over a million!" That's good news for us. It would be very hard for anyone to tell a home grown one from an official post office one.



There's more: "The designs themselves also vary within this basic layout. This indicates that a standard rubber stamp has not been produced and distributed to local post offices." So, probably anything will work. But at least now we know why.



Here's another tidbit gleaned from the article that should be kept in mind when returning mail to sender.



"Applied labels are often used to direct mail back to the sender and have the advantage that they can cover the POSTNET barcode (typically lower right of the envelope) which directs the letter towards the destination by automation equipment. This is an important consideration; otherwise the USPS automation equipment will read the barcode and continue to redirect the mail to the original
addressee, creating “loop mail”.



So I also included a pack of 1 1/3" X 4" Avery labels on my shopping trip.



So the simple "MOVED, LEFT NO ADDRESS" works, and so should just about any configuration you can come up with.



But, in the interest of over-kill and my basic insecurities, I decided to go with the big 2" X 4" multi choice version, you know - with the hand outline at the top with the words "Return To Sender" written in it. Plus I now have a nice choice, as befits my purpose, of checking off a box for:



 MOVED, LEFT NO ADDRESS


 NOT DELIVERABLE AS ADDRESSED


UNABLE TO FORWARD


 ATTEMPTED - NOT KNOWN


 UNCLAIMED  REFUSED


 NO SUCH STREET - NUMBER ______________


 INSUFFICIENT ADDRESS


 NO MAIL RECEPTACLE


and my favorite


 DECEASED



Also it looks so damned authentic - even to any postal employee.



All of these have a little square box in front of each choice for the mail carrier, (now me), to check. Another little tip in the article is that a black marker or grease pen is usually used to mark the chosen box. Wow, now we're really getting authentic!



I just figured that the whole thing would have more credibility if it looked exactly like the one many post offices used. And most of them do use a multi choice stamp.



If you choose to do as I did, brace yourself as this 2" X 4" stamp at $41.00 plus $10.00 for the red ink stamp pad is a bit pricey.



Jim


URL #1: http://www.postal-markings.org

Jim, ,      Age: 71


#6133 07/09/09 Cap & Trade
I would have expected the buzz in here to be all about the privacy which will no doubt be lost with the passing of
Cap & Trade. Anyone care to share on this subject. Home inspections, forms,
mandates, more inspections, etc. etc.
Being a property owner is losing its luster fast............

Ray, ,      Age: 50
I haven't taken time to study this, Ray. In part, perhaps, because I am an optomist and assume it may not end up as gruesome as it looks at first glance.

Readers, any comments or opinions about this?


#6132 07/09/09 Student Loan Sinkhole: Case Example of Why to Skip College
The student loan industry has turned into one of the most predatory lending shams in history. What used to be a laughable "good debt" kept at low fixed interest rates has now become a monsterous burden without borrow protections and perhaps the most oppressive of its kind in U.S. history.

If you know anyone who is even thinking about going to school, or if you know parents or students who are not convinced that what they borrow today may come back to haunt them for the rest of their lives, you need to let them see this video first!
URL #1: http://www.pbs.org/now/shows/525/index.html

George, ,      Age: 26


#6131 07/09/09 SSN Can Now Be Accurately Guessed Using Date and Place of Birth
Another reason not to reveal your DOB and birthplace, including on social networking sites.
From the article referenced in the post at the link below:


"The accuracy of these algorithms is positively disturbing. Using a separate pool of data from the Death Master File, the authors were able to get the first five digits right for seven percent of those with an SSN assigned before 1988; after that, the success rate goes up to a staggering 44 percent. For a smaller state, like Vermont, they could get it right over 90 percent of the time."
URL #1: http://www.wisebread.com/your-ssn-can-now-be-accurately-guessed-using-date-and-place-of-birth

Randy, ,      Age: 46


#6130 07/08/09 RE: 6117, how to answer nosy boss
I think the fact that you used a P.O. Box as your home address that sparked his curiosity or suspicion. Anyone else I would tell it's none of their beeswax, however since it's your boss you have to be tactful. I would tell him a secondary ghost address you may use or can set up.

Even though I live with my girlfriend and I'm not on the lease. I always use ghost address's on applications usually a friends house or now presently an homeless drop in center (so homeless can give address's to potential employers). They even have a free voice mail and hold mail for you which I use in conjunction with goggle voice and a prepaid cell phone.

Daniel, ,      Age: 37

#6128 07/08/09 social engineering
After I locked myself out of a friend's apartment, I went to see the building manager to see if he would call my friend and ask her to let me in. He couldn't find my friend's number in his files, so I just told him a number to call, claiming it was my friend's number. He called it, and the person on the other end claimed to be my friend, and asked him to let me into the apartment. He did.

No harm done this time, because the number really was for my friend, and it actually was my friend on the other end asking the building manager to let me in. But what if I was lying, just trying to sneak my way into the apartment? The building manager did not independently verify the information I gave him, so he had no way of knowing if it really was my friend asking him to let me in.

Could this happen to any of you? Is there an attendant somewhere with access to your house, apartment, storage unit, car, computer data, or anything else sensitive or valuable?

Eric, ,      Age: 28


#6125 07/06/09 Why a passport?
After reading the passport application, it appears as though I will be giving up all inforamtion to the state department. Why distribute my info to them, when I could get a non-drivers ID from my DMV, and perhaps it would not have my drivers licesense number on it...?

michael, ,      Age: 40
The US government does not sell passport information. States often do sell such information. (If that includes mere ID cards, I cannot say.) I assume the ID card will also contain your address, whereas a passport never does.

But if you prefer not to obtain a passport, then don't do it. I give my opinions in my books and on this Web site, but you must make your own decisions.


#6122 07/05/09 Facebook Folly - Britain
This story is hilarious.

Folks, we know better, but if your family or friends have social networking site accounts, make sure you talk to them about your views on privacy... then show them the story in the link below, and the one in #792, and research "Polar Rose" on Wikipedia, and other sites.
URL #1: http://www.timesonline.co.uk/tol/news/uk/article6639521.ece

Drake, ,      Age: 34

#6120 07/05/09 NM LLC
Can you put mortgaged real estate in a NM LLC?

















Dewey Link, ,      Age: 71
Not without guaranteeing the loan yourself, so there is nothing to be gained. It's better to either pay cash or rent. Renting has many advantages!

#6119 07/04/09 6117 'Answers for the boss'
Allen - That the question is coming from the BOSS doesn't matter at all. I don't care what uniform or badge type they show you - those are just colored (and pressed)clothes, shiny boots, and shaped pieces of metal. Nobody ever needs the correct answer to this question.

Tell him you're straight and married and busy so you don't have time for dinner or other entertainment after work. Look at him dumbly for extended periods of time. Pretend he asked a different question and answer that. Ask extremely detailed and private questions about him and his family, one after the other, rapid-fire. Tell him where he can send presents and bonus checks. He knows your schedule so if there are legal papers to be served he can put them in your Inbox.

Print out whatever is in the computer and hand him that. Better yet, in addition to your P.O. Box, add a Ghost Address to your To Do list, get one in the general area, update the computer files to which you have access, and show him that.

Where you spend time after work hours is none of his cotton-picking business. If he's older than a teenager, tell him you appreciate his understanding in the matter of your privacy and you're going to tell his mother what a fine southern gentleman she raised... Then look at him pointedly.

Drake, ,      Age: 34

#6118 07/04/09 Agustin's Post #5976 Re. Moving home into a trust
I have copied Agustin's post with JJL's comment:



Post #5976.
Agustin.
Buena Park CA,
May 31, 2009



Holding Title --

I recently purchase a home and made the mistake to hold title in my name and it is public information, what can I do to erase this mistake and hold it as a revoable trust, can you help,thank you. Agustin



... Check with your real estate agent and/or title company to learn how to do this with the lowest possible cost.




Agustin, -- I found myself with the same problem except that I have lived in the same home over 35 years. It will be impossible to "get invisible" completely with that kind of record to hide if I stay here, and moving is not an option for me.



However I'm proceeding anyway to put as much distance between me and the 35 years of information as possible. Transferring the property into a trust was one of the first steps.



I know I can't really erase my history but I can make it look like I've moved and given enough time that should suffice.



A few months ago I created a trust and transferred my property into it. I belong to a very large attorney network and had their trust expert check everything out.



Of greatest concern to me was the possibility of it being re-assessed based on the current value which is many times what I paid for it almost 40 years ago. You don't have that problem as you just purchased your home so re-assessing it will be of no concern to you. In fact it may be beneficial if you bought before the real estate values plummeted in Southern California, (I'm assuming you posted your actual location.)



I'm happy to report that my house is now "in trust" and was not re-assessed. It will take about two years for the trust to reach its full potential as an asset protection - but I didn't know enough to have done it earlier.



It's very hard to find a competent attorney let alone a really good trust attorney. I think I found one.



I was so sick at the time I could barely get around but I did it all myself so I know you can too.



The best time to do this kind of stuff is NOW! If you don't yet have Jack's book "How to be Invisible" get it and don't just read it through - STUDY IT! It has the most competent information in print. I've read every thing out there I can get my hands on and he is by far the best.



Then take action, even if you can do only one thing. Do it. Then do the next thing. You don't have to eat this elephant all in one bite. I procrastinated and am now paying the price.



If you gave Jack your email address he has my permission to give you mine. I'll be glad to show you what I did.

Jim, ,      Age: 71


#6117 07/04/09 how to answer to employer
I recently got a new job that I enjoy very much. Fortunately, I control all of the information entered into the employees' records/database, including name, address, ss#, etc. Therefore, I have used my PO Box as my home address without any problems.

Unfortunately, one of my bosses has twice asked me where I live. I usually just answer "near the new strip mall", and so far this has worked. I wonder how much longer I can continue to do this without raising some type of suspiscion. I have absloutely NOTHING to hide, other than my privacy!

Does anyone know of another good way to answer this question, which I'm sure I will be asked again, keeping in mind that it is the BOSS asking me? Thanks

Allen, ,      Age: 40


#6114 07/03/09 RE: Post 6113
I respectfully disagree about not going to law school. Address the real problem there: crooked Sallie Mae! Let's not get into the hatred of lawyers and believe the faux stories that blame all the troubles on lawyers. But for those that want to become an attorney with law school, I recommend the first edition of Planet Law School, and the site: How to Become a Lawyer With No Law School - Be a Lawyer With No Law School - No College. Attorney Ehline writes, "As far as I know, 7 U.S. states will still let you read the law in a law office with no law school degree are Virginia, Washington, Wymong, California, Wyoming, Maine, and New York."
Carolyn Strozier Seklii, who grew up in Savannah, passed the Virginia
State Bar exam last spring and was sworn in this summer as an attorney
at the Supreme Court in Richmond.

And what's so outstanding about that?

Carolyn, a 45-year-old divorced mom of two teenagers, did not attend
law school. Instead, she enrolled in Virginia's law-reader program, an
alternative to law school.

URL #1: http://www.ehlinelaw.com/pages/3226/How_to_Become_a_Lawyer_With_No_Law_School-Be_a_Lawyer_With_No_College.htm

Charles, ,      Age: 42

#6113 07/03/09 Perfect Example of Why NOT to Go to Law School
This man was did wrong by the legal system and the presently corrupt student loan industry.



Who would think that you could borrow $270,000 to go to law school and watch it skyrocket to $435,000 in only four years?!



Yeah, he passed the bar, but he still gets denied a legal license to practice law. The ironic reason: his student loans are just too big.



I really don't see how the judges think barring him from making a living will help him in paying back that $435K.

Skip college altogether and avoid this kind of entanglement.
URL #1: http://www.nytimes.com/2009/07/02/business/02lawyer.html?_r=1&em

George, ,      Age: 26


#6112 07/02/09 IRS leaning on foreign banks to spy
The British are reporting that the American IRS is trying to coerce them (and other banks around the world) into reporting on American financial transactions with them. If a bank refuses, it will be deemed "unqualified" and the IRS will assume that the American is guilty of "something."
URL #1: http://business.timesonline.co.uk/tol/business/columnists/article6620586.ece

Lewis, ,      Age: 62
As many of you readers know, I have never suggested offshore trusts or offshore banking accounts. Especially not in tax havens. (Canada, however, is still an excellent option.)

#6111 07/01/09 #6105 Try Alaska
[Drastically shortened] The best location in the U.S. to fit the offshore profile is the strip of Alaskan state land that borders Canada in the South of the mainland of Alaska along the Pacific. You can park a mobile home there and garden and take all the fresh fish you need out of the ocean and lakes and hunt and live off of the land. The temperatures along the coast there are mild since it is on the Pacific. You also get $1,000 from the Alaskan government because they are not in debt like some other states.

Dave, ,      Age: 44
I am familiar with Ketchikan, Juneau, Petersburg and Sitka (in addition to Fairbanks, Anchorage, Kodiak Island and Dutch Harbor/Unalaska). Compared to the lower BC mainland, any place in southeast Alaska is cold and dark in winter.

#6110 07/01/09 mobile home niche
This got me to thinking! I would buy the mobiles using my LLC and then sell them to survivalists who have bought
"junk land". My question is: How can I market the fact that the buyers privacy would be protected because of my LLC?
Show them how to get their own LLC?
Have my LLC sell directly to their LLC with out names mentioned?
I read survival blogs daily, just as this site, and believe me, survivalists are more interested in privacy than most other people. Don't want others to know what they have!

Mary, ,      Age: 44
This would be similar to land sales. I buy, say, an acre along a river, and title it in an LLC. I bring in electricty, also in the name of the LLC. Then I sell the LLC to a buyer who wants total privacy.

#6108 07/01/09 Towns along Washington Canada Border
Hi Jack: Regarding your comments to Ian in the U.K. and towns along the Border: I visited Point Roberts a few years ago. A small penisula of a U.S. town with sole access through the Canadian Border. Are you familiar with it and would you include it in your list of favorable places to live? Security seems pretty good in that you have to pass through U.S. and Canadian Customs coming and going. I would like your thoughts as you are from that area. Thanks in advance. Best Regards

Paul, ,      Age: 58
Although Point Roberts is unique, what you think is security, I think is a drawback if privacy is desired. Every time you leave Point Roberts to go to any other part of the U.S., you are checked by Canadian and then U.S. Customs, and they both get you again on the return.

#6107 06/30/09 mobile home parks, Seth...
I have to say that Seth has some really pertinent points. Mobile home parks, even in my backwater region of the Midwest, are not popping up new. Old ones, however, still plug along in small towns and back-country areas. The one nearest me has deteriorated in the past 5 years, but is still functioning. I would recommend avoiding "city" areas and focusing on rural areas.

On a slightly related note... While it is possible to buy a mobile home for CASH and own that mobile home in its entirety, most places that one can find to park that mobile home involve paying a monthly DEBT in the form of "lot rent."

If I were personally in a position to look for FREEDOM, I'd be looking for a piece of land in a COUNTRY area that I could afford to pay cash for, and then pay yet more cash for a mobile home to set on that land. All titled in LLC's, "of course."

Since the discussion here isn't about personal FREEDOM, but rather about money-making businesses.... I'd be looking to become a mobile home owner (privately of course) and then rent out trailers to good families as a steady stream of income.

Again, this whole conversation is about finding one's niche. If this isn't your personal niche, then something else might be!

Dorothy, ,      Age: 40

Currently, I recommend buying up cheap rural lots that can be used for RV parking. I'm in that field myself, constantly searching for land along a river where no building is allowed. RVs can still use such land since the RV can be driven off in the case of a flood. For semi-permanent living, add a used 8 x 20 cargo trailer to store all your stuff, or use it as an extra room.

#6106 06/30/09 Buying and selling mobile homes
It seems to me that the saturation point on mobile homes is directly connected to the availability of spaces in mobile home parks, which are becoming increasingly rare. Many towns and cities view mobile home parks as "slums" and they regulate them out of existence where possible, even though they are the essence of "affordable housing." The trend seems to be for park owners to drive out the lower-class tenants with smaller mobile homes in favor of double and triple-wides whenever they don't simply close the park entirely and convert it to another use. Mobile home parks are high maintenance investments and are less and less favored, and I haven't heard of a single new mobile home park being built in the Denver Metro area in decades because the ROI won't support them based on land prices.

Seth, ,      Age: 50
Excellent answer, Seth. Times have changed, and not for the better.

#6105 06/30/09 Best country to move to?
I'm ready to pack it up and leave the UK. I hear you're working on an international edition of "How to Be Invisible" so perhaps you can help me. I have a decent income from an internet business and I can continue to run it anywhere there's a high-speed Internet connection available.



What country would you suggest for privacy, culture, reasonable living costs, not too hot or too cold, and nearby access to the ocean and to a decent airport?



BTW, I am not the only one leaving the UK. See link.
URL #1: http://www.expatfocus.com/index.php?name=News&file=article&sid=1130

Ian, ,      Age: 26

That's the easiest question I've been asked in a long time! Check out any of the small towns along the northwestern border of Washington State, USA. Cool summers, temperate winters, as there's nice airport at Bellingham, not to mention ferries that leave there for B.C. and Alaska. For culture, pop up to Vancouver, B.C.

You can rent a nice two-bedroom apartment in Sumas (right on the border) for about $675 a month.

As for reasonable living costs, I suspect--but cannot prove--that small-town living in the U.S. is less than in the UK. Perhaps some of you readers in Britain can tell me what living costs are in your area?


#6104 06/30/09 Skip College
Thanks for posting the link to the article on college.

As a home educator, I have many parents ask me "What about college?" To which I respond, [unless] they decide to pursue medicine or some other applied knowledge field, I am NOT encouraging my children to go to college.


This article further supports my long-held convictions.

Theresa, ,      Age: 44


#6102 06/29/09 For Canadians
I would like to know if anyone has purchased a LLC from NM and what the advantages for Canadians.

Please advise if anyone has any knowledge in this area... or where they can direct me. Thank you.

Robert, ,      Age: 40


#6101 06/29/09 Post #6099
1) From an editor's point of view, it appears the writer's last sentence is missing a phrase. I won't speculate further...

2) "Saturation point" can be guessed at, but my personal opinion is that it is an ART not a SCIENCE to determine exactly when the saturation point occurs.

Some questions to ponder before jumping in to a field that one might not be familiar with: Are there a lot of un-sold mobile homes in your area? Have you inspected those un-sold homes to determine if they are move-in ready? Are most of them "fixer-uppers" that appeal to a broke and desperate group, or can you find some that would appeal to more discerning families? Are you really talented in the fix-it-up aspect of that business? Is the trailer park a place where you would consider raising small children? Tweens? Teenagers? Senior citizens? How far is it to the nearest elementary school? How far is it to the nearest senior nutrition center? The grocery store?

It's ALL about the "niche". Is this your niche? Or do you need to keep thinking?

Dorothy, ,      Age: 40


#6100 06/29/09 ATM use of Canadian Banks
The idea about having a bank account as a backup in Canada sounds like a good idea. However, given the Patriot act and stuff like that, I'm worried that pulling funds out via ATM in the States is going to pop me up as suspect activity or something like that, even though its my money from my US account. After all, the Canadians surely monitor this stuff and report it to Uncle Sam I bet. I guess its important to catch the bad guys but I'm worried someone over here might get the wrong idea. After all, the ATM card would have my name on it. Or did I misunderstand and am I only supposed to use the ATM card for the Canadian bank when I am in Canada due to some problem or whatnot?

Brett, ,      Age: 25
Here are the comments of a reader who is familiar with that field:

"Using the ATM in America should not be a problem. Lots of foreigners pull money out of US ATM's every day. Lots of Americans have accounts in banks all over the world."


#6099 06/28/09 Lonnie Scruggs and mobile home biz
Concerning the invisible home based business you recommend in your book which is taught by Lonnie Scruggs regarding buying and financing mobile homes, I had someone caution me with these words:

"Look carefully at the saturation point in your area for this type of real estate investment strategy. I learned too late when I was once getting started in a business that this was a concern I should have understood and had addressed. If too many people are doing what you are doing, it becomes far more difficult to make money."

I thought exactly the same thing before they gave me this caution.

The question now remains: How do we know what the saturation point is and how do we check it?



The response: There is no such thing as saturation is not valid because it is.






David, ,      Age: 44

I don't understand your last sentence but perhaps someone else will.

#6098 06/27/09 6088 DMV records
I cannot speak to all states DMV records, but in Colorado, if your drivers license is queried, your social security number will come up along with all of the other information associated with your license. Running a plate will give the name and address that you find on the registration. If your SSN does not appear on your registration paper, I would think it would not come up in a license plate search.

Greg, ,      Age: 44

#6097 06/26/09 80% of New College Grads Jobless

I know people who have literally left the country to find what little work there is available.



Lesson learned:
URL #1: http://prof77.wordpress.com/2009/05/16/new-college-grads-80-without-jobs/

George, ,      Age: 26


#6096 06/26/09 FACEBOOK SEARCHES: Not anonymous
For those who are unaware, Facebook searches made by you can be revealed to your searched party. I get these e mails from Mylife.com inviting me to pay a small fee to see exactly who was looking at my profile on Facebook. So just be aware of this when doing Facebook searches that you my think are anonymous-they are apparently not...

Tommy, ,      Age: 52

#6095 06/25/09 Re: 6093
The person applying for the mortgage will then be required to disclose the personal loan. If the mortgage company or their underwriters discovers any of the monies used for the downpayment are borrowed the loan will be denied. Would also refer you to Title 18 United States Code, Sec 1001, et seq. (Making it a crime to lie on a loan application form 1003)

Nathan, ,      Age: 25

#6093 06/24/09 6086 - Mortgage
Make a personal loan to your partner who will show the value in their bank statement or other asset records checked in the mortgage process. That they have the value in their possession seems like it ought to be enough to satisfy the ones looking. Your personal arrangements can keep you invisible.

Nona, ,      Age: 44

#6092 06/24/09 #6086 - Mortgages
Not disclosing the true source of the downpayment in the qualification process of applying for a mortgage.... is called mortgage fraud.

Nathan, ,      Age: 25

#6091 06/24/09 CCW Virginia
If you don't want your name and address showing up in Virginia's database, get a Utah CCW permit. Utah issues CCW permits to non-residents. Virginia and other states have reciprocity with Utah.
URL #1: http://www.usconcealedcarry.com/public/399.cfm

Sebastian, ,      Age: 59
OK, I said I was going to drop the CCW posts, but I'll add this one last item. That should do it.

#6089 06/24/09 Check Depositing
Thanks everyone for your suggestions! I am going to look into them and I'll let you know which option works best.


Kate, ,      Age: 38

#6088 06/24/09 LLC & DMV
A friend of mine (who is just starting out with HTBI) retitled his vehicle into a NM LLC. When he did this, he ended up giving his personal SSN to the DMV.


Giving that he already owned this vehicle for a number of years (where his name & true home address was attached to the VIN at the DMV, police accident reports and repair shops) is there any real privacy risk in this?


(1) Does the SSN associated with an LLC show up in the police computer if a cop runs his plates or a PI does the same? If so would it automatically pop up his name and information or would that take an additional search?


(2) I read somewhere that when the police run a Drivers license that the SSN comes up on the screen - is that accurate?

Bill, ,      Age: 51


(1) I don't think so.

(2) Perhaps some LEO can answer this question.


#6086 06/24/09 Anonymous RE purchase
Note to JJ: This does not exactly follow your suggestions, but maybe readers can help with some scenarios.


I'm trying to buy house (RE) in the max invisible way. At this time I can not buy it outright as Jack and common sense would suggest. So mortgage needs to be involved.


Here is the scenario: RE is to be acquired by me and the partner. Partner will be securing the mortgage. I'm not visibly involved at all, my name is not to be recorded on either the mortgage, nor deed.


However, money for the down payment need to come from me (fair part). What's the best way to do it??


Apparently, needs to be done such way so no mortgage company, nor tax authorities have any questions.

Josh, ,      Age: 30

You must first get an attorney to protect your interests.

#6085 06/24/09 More on CCW permits
Some additional thoughts on getting a CCW permit. In my state, on the application form to be filed with the sheriff, you have to give your true address, and list all previous addresses you have lived at since you were 18. This probably doesn't fit in too well with using a ghost address or LLCs for titling real estate or cars.


And, some states may consider the CCW database as a public record subject to disclosure under the state's Open Records or FOIA-type law. In my state some anti-gun newspapers actually get the permit list and publish the names of persons issued the permits.


So there are some anti-privacy implications to think about here.

Susan, ,      Age: 53

OK, end of CCW permit questions and comments. Let's move on to other issues, readers.

#6084 06/24/09 Ultimate Invisability
Comment:
After making a move, went to a local oil company made out an application. Yesterday was called to come in there was a problem with my credit report.
Well I do not have a credit score, instead I am listed as DISEASED.
Now I ask you how many people are going to look for a dead person?
Apparently it is only for credit purposes.
I'm still receiving my mail and appropriate checks.
Pat


Pat, ,      Age: 69
I think you mean "deceased." Glad to hear you are still alive. :)

#6082 06/23/09 Re: Chris #6071
Chris,
Open carry without any type of permit is legal in Virginia and happens every day. Virginia has an organization (Virginia Citizens Defense League - VCDL) that is very active in the gun rights movement and political scene. You DO need a Concealed Handgun Permit to legally carry a gun concealed. Yes, it will put you in the state police database, but you have to make the decision on if its worth it. Finally, you ARE NOT require to register any guns in Virginia other than regulated types like machine guns. If you are serious about carrying a gun for protection take the classes and practice regularly at the range until you are comfortable with weapons. Also, read every book you can find on self protection using guns. A split second decision can change your life forever, and not necessarily for the better.
URL #1: http://www.vcdl.org

John , ,      Age: 39

#6080 06/23/09 #6071, CCW
CCW requirements vary by state. Only two states, Alaska and Vermont, allow CCW without any licensing or permit requirements. For most other states, the requirements are generally: take a training class and pass a test; fill out a government form; provide photos and fingerprints; undergo a background check done by the government (often the Sheriff); pay a fee; then get the permit.


You may not have to register your guns, depending on state requirements. But getting the CCW permit will get you into a government database as a gun owner, and one who is serious about protecting your life with the firearm.


Are there alternatives? Open carry is one, if allowed by your state. But, the public and even some LEOs don't like or understand open carry. I have seen reports of people being arrested and charged for inducing panic in my state, where open carry is legal. You could consider non-lethal self-defense items, such as pepper spray or stun guns, if legal where you live. Or, you could carry concealed without a permit, but take the risk of arrest. Some people take the attitude that it's better to be judged by 12 than carried by 6.

Susan, ,      Age: 53


#6079 06/23/09 Fake Names a Comment
If you are searching for a realistic fake name to use for what ever reason, you may want to check out various “baby naming books” or “Google” the name you want to use and see what comes up on web.

Here are some examples:



Skip or Skippy for Peter

Butch for John

Trixie for Beatrice (no I am not Beatrice)

Peggy for Margaret

Buffy for Bufelia

Nita for Bianca

Kitty for Katrina, Kathy, or anyone who wants to use it.


Plus a ton of different spellings:



Eric, Erick, Ericka, Rick


John, Jon, Ione—yeah who would have thought? Ione is pronounced John in Europe!



Also, you can add the letter K to many names: Nail, becomes KNAIL pronounced Nail, Napp becomes Knapp pronounced Nap. Scandinavians use both K and G on the front of other consonants. They also double up on consonants—Erickksson is Erickson.



Originally I started studying the origins of names because I am a writer. Research started with my own family names. I soon became educated that many names I took for granted as being a person’s real sir name and first name, were really derivatives of other names. I just found out, that my grandfather “removed an consonant—H” from the first part of our last name to make it easier to pronounce. But, I am thinking about adding it back in because it would change where we are filed now, it would take us from the T, R files to the T, H, R. files, it is a small thing, but could come in handy sometime.

Have fun with your invisible way of living—it keeps it positive.


Trixie, ,      Age: 50


#6078 06/23/09 CYBER-STALKER
Do you know of any computer programs that we can buy and install that would seek and destroy any spybots or expose hacking programs that may have been installed on a computer? Most of the ones we have used aren't powerful enough. We keep having a hacker, load something that disconnects our Phishing block and pop-up block, allowing corruptions to occur.



Trixie, ,      Age: 50

#6077 06/23/09 Comment for Iris #5726, King George VA
RE: Iris posting #5726, King George, VA.



1. Follow the advice given by J.J. Luna and the posters on his site. Understand, you will never be able to live your life the way it was before knowledge of stalker. Because it has been going on for two years, it tells me, your stalker is very close or is very comfortable around your house. Hire a locksmith to not just rekey your house, but relock your doors I recommend Medeco Locks on all doors and windows, portable alarm system works too.



2. Don’t trust anyone—not even mother—until you come to a final conclusion with your stalker. Loose lips sink ships, and assist stalkers.



3. Physically protect yourself. Get the gun, take the shooting range lessons, install the cameras, and stop using your land-line. Put 911 on your cell phone speed dial, start driving in your rear-view mirror, take note of the people around you at all times, immediately check your house for “extra” cables running from your phone lines, cable lines etc. follow the lines and see where they go, look up and down something could be buried “just under” the flower bed dirt, hiding a hidden camera watching you.



4. Sit down and evaluate who benefits the most by stalking you? If you rent, it could be a landlord or the Property Management Company the landlord hired to over see the property. If you rent, then move-but mis direct old landlord about your new location.



5. Neighbors? Could be a neighbor or a employee of a neighbor—their gardener, grounds keeper to an close apartment complex or business?



6. Mailman? There are many documented cases of strange and stalker type mailmen.



7. I am going to assume that your stalker is a male, or maybe a masculine lesbian. Because it has been going on for two years, and they seem to enjoy being in your home, or frightening you at night. (Think David Letterman's stalker ordeal)



8. If you have any pets, take them to mothers or another safe location until this is completely resolved. Pets often end up being he victims of a vicious stalker, especially if stalker knows you are on to him, or has been found out.



9. I speak for experience. Our family was stalked from 1990 to 2007. Our stalker turned to be a shyster attorney who was embezzling Trust Funds from our family that had been set aside for the care of a elderly, disabled relative. After our relative passed away, this attorney had the audacity to charge the Trust $17,000.00 thousand dollars for “investigations”.



10. If you hire a private investigator, go to Rip Off Report dot com, before you hire anyone. There are some real shyster types who will actually endanger you more.



11. Good luck, we are all with you here.
URL #1: http://www.wired.com:80/techbiz/people/magazine/17-06/ff_keymaster?currentPage=all

Trixie, ,      Age: 50

Regarding item 1:

Medeco locks may not be as secure as you think, Trixie. See link below.


#6076 06/23/09 vehicle regisration
I'm still a little confused on how to register vehicles using an LLC with an address in the Canary Islands.

Vehicles are currently located in Oregon. I spoke with the DMV and in order to register in Oregon, you must provide your home address (P.O. Boxes and comercial drops are detected and rejected) and have an Oregon address. My insurance company also will not insure the vehicles without my name, ss#, etc. I checked with other insurance companies and they have similar policies.

Any suggestions?

Neil

neil, ,      Age: 40
The C.I. address on the documents has nothing to do with the address you give the Oregon DMV. It may be that Oregon will not allow out-of-state addresses, as many other states do. However, can you give them a valid street address that is NOT your home address?



And yes, insurance companies want an SSN these days, but if your vehcile is titled with an LLC, your SSN will still remain private.


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