Seth, regarding #6009. You say you took out a homeowner's insurance policy and saw the house address on your credit report within a few days. Did you have a freeze on your credit reports at the time? If so, I am wondering how they put info on those reports without you voluntarily lifting the freeze.
Brian, regarding #6017. I chose an auto insurance company/agent that did not require giving SSN (some do, some don't). I also gave separate mailing and residence addresses. I have never seen my residence address show up on my credit reports or any database as a result of this type of car insurance. Note that I did this long before I put a freeze on my credit reports, so that is not what saved me. My advice is do not give out your SSN for car ins. and make sure they put your mailing address everywhere except under location where car will be garaged at night.
As far as renter's insurance, I never saw any that didn't require giving the renter's SSN, so I never got it. Good luck and let us know if you find out how to buy homeowner's insurance (for a home paid for in cash) without compromising the home address on credit reports, etc.
Seth, I've been struggling with Insurance questions for a few months now as I approach college graduation (paid for entirely through scholarships by the way). Insuring my car and maybe a house have turned out to be the one real vulnerability in my privacy framework--the customary HTBI method being to insure in your own name. I wouldn't mind insuring in my own name but I keep learning of database sharing, and things like you've described that totally destroy any protection.
Please post if you learn of any ways to solve this issue. I know it has stumped me so far.
Brian, , Age: 22
In answer to #6011:
No, I have not purchased the house yet, I'm still renting because the buyer for my ranch failed to close.
It's my understanding the the insurance industry, not just my company Allstate, has a policy of reporting to credit agencies that they will not waive.
I haven't gotten all the details yet.
Maybe someone like Lloyds of London would do it privately, I don't know. Perhaps a UK reader could check that out for us.
Gas stations *sometimes* place "holds" on credit/debit cards for what seem to be random amounts; that's the amount that they pre-approve a card for before they allow to pump the gas. Some gas stations pre-approve a card for only $1, others go as high as $50 to $75. In my area, there is fine print on the gas pumps that a Visa purchase will max out at $50 while a Mastercard purchase will max out at $75. Those limits imply that the gas station can put through a pre-approval hold on your account for either $50 or $75. Sometimes the gas stations do "ding" the card for the whole amount, sometimes they don't. Once the actual amount gets processed by the bank, the "pre-approval" amount usually drops off within a few days.
In general, those pre-approval amounts don't cause a problem with regular credit cards because the credit limit is usually so much higher than the credit balance that the card user never notices. However, in the case of debit cards, and also in the case of gift cards, it can make a significant dent in the ability of the cardholder to purchase other items for a few days.
It is my personal humble opinion that Kammi's Visa gift card is simply following standard banking practices for gas station purchases. Nona is definitely on the right track, Kammi. If you purchase a Visa gift card for a specific purchase, you need to use that Visa gift card for ONLY that specific purchase
ALSO.... When you use a Visa gift card for an ONLINE purchase, you need to VERIFY the billing address online FIRST. SOME Visa gift cards allow a back-door approach of using the address of the Visa card itself as your *billing address* when you're filling out an online form. I've done that with the Visa gift cards from Walgreens that come in specific dollar amounts. I've never tried it with a GreenDot card, however. I hope this all makes a little bit of sense. Those Visa gift cards are very tricky creatures and really should only be used for things that truly require privacy because if you use them for everyday purchases, it just costs too much and requires too much aggravation to jump through all the hoops. Hope this helps!
How are these information brokers such as US Search, Intelius, etc., obtaining marriage and divorce records which are unavailable in most states without an affadivit from the targeted persons??? Or are these info brokers selling bogus information??
Thanks Much.
Tommy, , Age: 52
Kammi, did you get a receipt from the gas station when you bought the gas? It is possible the gas station attendant is embezzling. My advice would be to cut up the card and walk away for a few months.
You say you got the card for Internet purchases, that didn't pan out the way you wanted, but then you used it for buying fuel. You planned your work but didn't work your plan. Keep each quarantined, segregated, compartmentalized, tool for it's specific purpose. Don't infect them with outside activities that do not follow The Plan.
Nona, , Age: 44
Seth, you bought your home outright, correct? No mortgage is attached to the home, correct?
Has an insurance company explained to you the purpose of placing the policy on your credit report? Assumption being that it protects them somehow (from fraud or something?).
Homeowners insurance companies report names and addresses of their insured to the credit bureaus.
I took out a homeowner's policy for my new home, but as a precaution I gave a ghost address for the house, as a test of security.
That address appeared on my credit report within THREE DAYS of obtaining the policy.
Needless to say, I cancelled the policy.
I haven't found a way to get a large insurance company to agree to not submitting such information to the credit bureaus.
jj,
does getting renters insurance mess up ones privacy efforts? i am using a ghost address and nothing comes to my rented home in my name including cable, phone, electrical utilities....etc but i have to have the renters insurance in the home where i occupy in case of damages, theft...etc
any opinion?
peter, , Age: 30
However, see Seth's comment #6009, above. Perhaps other readers can chime in on this one, as well.
When I checked my balance on the above subject card, I found that $37.00 had been deducted from the card for a $7.25 gasoline purchase. When asked the gas station about this I was told that the money was reserved and the settlement process would take place over night; I found this strange, but interesting. The next day when the numbers were not as I believed they should be I called, and I was told that I should give it another day or two. Today, two days later, I checked the balance (via internet, with no particular security) an saw that the card was flagged as a possible fraud. I find this deeply worrisome, and I invite comment and advice. For now I am taking no action I no more than $100.00 at risk, within the card itself - can walk away from it. I bought this card to make purchases over the internet and so my personal information is linked within those orders; even though I was not allowed to use this gift card to pay for the items I wished to order, and had to substite another brand of gift card. Backgound Information: I do have problems with other Visa card; and I am taking advice on my unsecured detd .
kammi, , Age: 60
I don't know anything about Shadow Escrow, but for advice in fighting foreclosure check out Neil Garfield's Living Lies website. Make them produce the note, and use the court procedures to your advantage.
URL #1: http://livinglies.wordpress.com/
Susan, , Age: 53
Here is one of the security devices you mention in your book-Invisible Money. One of the 5 rings of protection. This is the 2nd ring-the loud noise deterrent. Just Google 12 Gauge Boundary Security System and you will get several results you can check out. This one goes for $90.
URL #1: http://www.ajarmsbooksellers.com/cgi-bin/ajarms/12497
Hu, , Age: 54
I just found your book! I was wondering what should be my first step? A ghost address or the LLC?
Tina, , Age: 45
For your current vehicle, try for a change of address so the DMV no longer lists your true home address. (Always good to hear from a reader in one of my favorite states!)
The phone I have is a chinese clone (CECT) and has no GPS chip in it.
Ray, , Age: 43
Remember when you offered copies of that corporation in the T & C Islands? I bought that and have been using it ever since--lots of fun! Now, I'd like to add a phone number on my business cards. Would that new phone number in the Canary Islands work?
Ashley, , Age: 27
CANARY ISLANDS:
011-34-606-18-xxxx
TURKS & CAICOS:
1-649-941-xxxx
Pat if you want to host a controversial website PRQ in Stockholm, Sweden is who you need to contact. They host wikileaks and other controversial sites and don't care about legal threats (they only respond to Swedish court orders).
They also offer VPN services and they should be able to give some guidance on everything.
URL #1: http://www.prq.se
hi jj -- i already have the canary islands ghost address but i need that other one thats ok for domain names, and the phone number as well. big rush. any way i can set that up right now, without waiting? thanks for a fast answer.
Eddie, , Age: 27
Rosie does have same-day service now, and I think she has some big discount this month on both phone and second address, for those who already have the C.I. service. Contact her right now.
I may have to face, and God willing, fight a foreclosure action. I am thinking about trying to set-up what I'm calling a Shadow Escrow Account. I believe that much of the thinking that goes into creating or preserving privacy, could with some modification, be useful in my situation. The modification that I feel might be important in my situation, is that it might actually be wise have the Shadow Escrow as an Attorney Trust Account. Because I cannot predict how or under what conditions this money may have to be "surfaced". Advice will be gratefully received. Thanks in advance to all responders
Drew, , Age: 64
Here is a bank on Indian territory that could be one of the most private banks that a U.S. person could want. What do you think of their privacy techniques JJ ?
URL #1: http://www.chrismartenson.com/forum/free-lakota-bank/9334
Dave, , Age: 44
Now, all that being said, I believe that this “Free Bank of Lakota” is a total scam! I highly doubt that it has anything to do with the real Lakotah Tribe or Russell Means. There is no mention of this bank or this currency on either Means website or the Lakotah website. The current market value of once ounce of silver is under $15.00, to charge people $40.00 an ounce for silver is just criminal. The Lakotah people are a proud and honest people, they would never operate a scam like this.
The website for the AOCS currencies http://www.opencurrency.com/currencies.php has different sites of “novelty” silver coins listed. All of them priced at $50 (the face value of the “Lakota” coin), which is way overpriced for silver.
The people behind this should be ashamed for making profit by exploiting name of the Lakotah people, and taking advantage of people who don’t know enough about silver investing to spot such a scam.
By the way, the real Lakotah do spell their name with an “H” so don’t you think that they would have named their first bank likewise?
its interesting to read what was said in this blog about that Alaska water company having to provide services. we are about ready to hook up water service to a new house, and this "privat water company" has a board of directors, by laws and requires that you become a part-owner of the company. The form asks for a SSN, wants previous addresses, a relative name, employer, and because this house sits on more than 5 acres, needs the whole thing notarized. Besides getting a cistern installed, standing out like a sore thumb by threatening legal action may limit our ability to use an alternate name like we hoped and I wonder how "searable" a private water company would be as opposed to a government one? I can fake the relatives, and employer and may be able to get around providing the SSN, but the notary seems difficult. any suggestions short of hiring you to come help us hook up the water JJ?
jay, , Age: 35
Egyptian Cell Phones have the same tracking features as any other cell phone in the world. The iPhone is the one phone sold in Egypt that has the user end of the GPS disabled.
If you want phones that are less likely to have as much creepy stuff on them try the website I listed below. They sell a lot of cheap knock off unlocked gsm cell phones shipped straight from Hong Kong.
Any cell phone can still be used as a tracking device, but a phone without all the e911/agps stuff wouldn't be as accurate.
On a sidenote that site also sells a lot of cool gadgets like pen cameras, but everything is of varying quality some good, some bad and some very dangerous (like the unfiltered high powered lasers that could blind you).
URL #1: http://dealextreme.com
Hi JJ, if you have an e-mail address for Pat, please give him mine. I'm fairly sure I could answer most questions he has about internet proxies, VPN's, VPS's, servers and the like.
URL #1: http://www.canaryislandspress.com/index.cfm/fa/showquestion/qid/5970/index.htm
Johnny, , Age: 25
In How to be Invisible you mention bank account searches.
If someone is searching for assets how exactly do they find your bank accounts (I know you said it is done by state)?
More of a comment than a question. Because of your teachings, we have successfully ditched the repo man, for nearly a year now. Yes, we said a YEAR!
We had one of those preditory auto loans from one of those banks that needed to be bailed out by the U.S. government.
We are days away from being able to legally file a Chapter 13 (we had to wait that 4 year period) Letters from the attorney's office went out to our creditors we were filing etc 2 weeks ago.
Suddenly, the preditory bank, decided to repo the car.
We have been driving the repo tow truck guy knuts. Why? Because we followed your advice YEARS AGO.
We never have our real address connected to our vehicles or creditors.
For the past 3 years everything has been going to "mothers". Along with 9 other relatives mail.
Here are some other tricks that we have pulled to mis-direct.
1. When you get a new phone number (cell phone only-we NEVER do land lines anymore)"Google" the number. Sometimes it has been used before. This could be good mis-direction info later on.
2. Take your new phone number, and make up a few healthly mis-directions on those "who's number is this?" Website search engines. Our favorite is to make ourselves science intellectuals, with egg head jobs at dull colleges. That way, anyone "googles" your phone number, sees a smart egghead, and moves on.
3. Post fake stuff about yourself. We found a few blog types that let you insert a picture of someone. We picked a good looking, couple, posing in front of their new beach house in Malibu, Ca.
Now, anyone googling our names for images--get these two models,not us.
4. Add extra phone lines to your cell phone accounts. When our current numbers became over used, we found we could add extra phones with new numbers to our existing accounts. No new credit checks, just get new phones, and fresh numbers to use.
5. After we file our bankruptcy, we are going to get new license plates for the car. We cover up the VIN # with a postcard, and use fake parking lot stickers that aren't ours( car bone yards are good for this peal and stick relocation).
6. Mis-direct, Mis-direct, Mis-direct.
7. Another fun thing to do is: Change your first names every time you are introduced at the gym or apartment complex. Any time the name game comes up, around the gym, we change our first names, so other gym members don't get the same name over and over again on us. This works well for the apartment complex we live in, and a social club we attend but aren't paying members of. Church--just use fake names here--god doesn't care what name you use to make your tidings in....
8. Last but not least. Got a old rubber stamp from a large well known second had store. The same came from a business that had gone out of business 5 years earlier. When we needed to enlighten someone about something going on, without having to "get involved" we used the stamp as a return address. If anyone "googled" the return address, all they get is a history of this out of business, business. This could be a way around not wanting your return address photographed by the U.S. Post Office.
You and/or your readers may find some of these articles from last Sunday's Boston Globe magazine useful as they discuss going to college from some non-traditional points of view.
URL #1: http://www.boston.com/bostonglobe/magazine/
Mike, , Age: 48
Is this similar to Seth's post a while back?
"BOSTON — Wanderers with phones and other devices that have GPS chips can figure out where they are using signals from satellites thousands of miles up, but those are easily blocked by walls or trees. The founders of Skyhook Wireless discovered some alternative navigational beacons: the signals coming from the Wi-Fi network in the coffee shop across the street, or the apartment upstairs."
2000 cities around the world have been 'mapped' so far!
URL #1: http://www.nytimes.com/2009/06/01/technology/start-ups/01locate.html?_r=1&th&emc=th
Nona, , Age: 44
I was recently looking for ways to stop junk mail and preserve my privacy, and I came across an opt-out page of the DMA. There is a section specifically dedicated to deceased individuals - you can register their names and halt their junk mail.
My question is, what's to stop a living person like me from putting his name on this list? The DMA has no need to know if I'm alive or not, and it sounds like a good way to get out of these marketing databases. Is this a good strategy, or are there problems that could arise with pretending to be 'deceased'?
URL #1: https://www.ims-dm.com/cgi/ddnc.php
MOVED--LEFT NO ADDRESS
Do you know where we could get a cookie cutter and inexpensive charitable remainder unitrust to hold 90% of the stock in our invisible business?
Dave, , Age: 44
I have an idea to run by you: Lets say your name is Barack Osama and you are starting an internet business where your picture and name and phone number is going to be on the home page of the web site. I have one question about titling the LLC: Could a person title it: Ken Werrington LLC and put that as the name and then you could always speak on behalf of the company as Ken. This would keep your own name out of the picture and there would be justification for answering the phone as Ken since you are speaking on behalf of the company which is in that name?
Dave, , Age: 44
What happens when your three years are up for the NMLLC? Who bills you and what happens if you don't want to continue with a LLC? What if the LLC owns property?
Jenni, , Age: 41
If the date passes and you do NOT get a statement, then by all means contact her.
Or, if you prefer not to continue, tell her. Otherwise you may keep getting reminders. Eventually, of course, she will resign as resident agent and if you do not renew with some other r.a., NM will cancel the LLC.
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
Agustin , , Age: 50
From post 5973:
"You should always have a plausible story worked out in advance. Although I strongly recommend that you NEVER talk to the police, there are some times you have to, and identifying yourself is one of those times. And if you hope to be allowed to proceed, you'll need to prove to the cop's satisfaction that you're authorized to have the vehicle, otherwise they will impound and tow it, and then you're in a pickle trying to get a fictional company executive to come get the car released. That's one downside of titling a car in a company name."
While I agree one should be careful in what is said to law enforcement it is a big misconception that police are strangers to stopping and dealing with vehicles registered to business.
As a former LEO I would estimate that a forth of all the cars I ever stopped in my career didn't belong to the driver of said vehicle. Police stop business owners, rental cars, spouses with different names, friends borrowing vehicles to move furniture, ect everyday of the week and the simple fact the vehicle is registered differently in and of itself doesn't raise any eyebrows.
On simple traffic stops, assuming the vehicle is not reported stolen or there is no probable cause to believe it was just used in the commission of a crime one does not have to prove authorization to operate any vehicle in any state.
Also the police have no right to detain you (or your vehicle) any further simply based on that as they have no way to verify your allowed to operate it or not. All things being normal if they do tow it, seek out a good lawyer as you now have an excellent lawsuit for the police violating your 4th Amendment rights against unlawful search and seizure.
And yes I understand every ones dislike toward law enforcement but no cop worth his salt is going to put himself in danger of a civil action over something so trivial as this.
"Seth, when carrying around in your car a letter of authorization (or when going to the DMV to transfer in the name of the NM LLC), is it better to use your real name or the "bearer" of the document? Bearer protects my privacy more, but may not fly with the cops or the DMV should I have to prove I have signing privileges of the LLC."
A "bearer" authorization sounds like a good idea, but I agree that the police are going to doubt its authenticity because anyone could type it up. A letterhead document signed by the "president" of the company (who in my case is me, under my pen name) authorizing a specific person, you, to possess the vehicle ought to be sufficient, and will be more trusted because it specifically links you to the car. You're going to be giving the cop your driver's license anyway, so it's going to end up linked to you anyway, though to what extend depends on the department, it's records system, and the offense.
It might also be useful to carry a photocopy of the official NM document to prove that the company actually exists.
You should always have a plausible story worked out in advance. Although I strongly recommend that you NEVER talk to the police, there are some times you have to, and identifying yourself is one of those times. And if you hope to be allowed to proceed, you'll need to prove to the cop's satisfaction that you're authorized to have the vehicle, otherwise they will impound and tow it, and then you're in a pickle trying to get a fictional company executive to come get the car released. That's one downside of titling a car in a company name.
You can, of course, be up front with the registration folks and the police and simply tell them you own the company and title your vehicles in its name for privacy purposes. That's not illegal after all. The benefit of this is that you can have the authorization letter notarized with your signature on it, which adds to its credibility.
If you want to use a nominee as a putative company officer, select him/her carefully, because you'll be giving them legal authority over your vehicle. A family member using a maiden name would be good, or a trusted friend. Just be sure to fill them in on what to do if the cops call for verification of your authority to have the car.
Of course the best plan is to drive carefully and not get stopped....
The key to the problem is to remain totally calm, respectful, and mention the ownership in a matter-of-fact way, not showing any nervousness. (Why be nervous? You DO own the LLC, right?)
In post #5726, I referred to an article I found that said Egypt does not allow GPS in cell phones sold in their country. I think Egypt is in Africa, so I don't think I would trust the Freedom Phones from Asia.
I haven't been able to pursue the Egypt phones myself, but it might be a nice little business for somebody to have Egyptian cell phones sent to them and then resell them to privacy followers. It would be great if you could find a way to verify for sure that each phone was, in fact, lacking GPS.
On a side note, Egypt appears to only have GSM phones (AT&T & T-Mobile). That leaves out phones that can work with Alltel, Verizon (CDMA) & Sprint / Nextel (IDEN). By the way, for deciphering cell phone info, I use phonescoop.com and howardforums.com.
URL #1: http://www.edibleapple.com/apple-nixes-gps-on-iphone-for-egyptian-customers
Seth, when carrying around in your car a letter of authorization (or when going to the DMV to transfer in the name of the NM LLC), is it better to use your real name or the "bearer" of the document? Bearer protects my privacy more, but may not fly with the cops or the DMV should I have to prove I have signing privileges of the LLC.
Lee, , Age: 35
I am starting a controversial website and, thanks to your books and website, I am very knowledgeable about computer and internet security, but I'd like to talk with someone really knowledgeable about servers, proxies, ISP's, etc. to help me set up a secure website. Do you have a guru you currently recommend?
A search (on the recommendation of Katherine Albrecht, RFID / Spychips.org, I now use ixquick.com which doesn't track searches like Google) came up with Richard M. Smith as a computer privacy expert and activist. Anybody know anything about him?
I extend my appreciation in advance for any advice!
[UPDATE] Pat later sent me his number and I passed it on to my source.
If I transfer an aircraft into a NM LLC, wont I have pay the same sales tax to NM again that I paid when I first bought the aircraft in CA?
Scott, , Age: 35
hi jj,
can you please leave a link for your other blog site on the Q & A page so i can check it frequently? i already have your how to be invisible as my home page for the last several years and would like to check out your blog more regularly. Keep on trucking!
URL #1: http://invisible-privacy.com
peter, , Age: 35
I've been with State farm for over a yr. Today got a call my policy went under review, since my car title is under a llc they are giving me two choices. Change titles to my personal name or get insurance under commercial. I already told them "the LLC has only these two cars no other assests, we don't sell or sales etc..." Any better one gone through this already? What are my choices?
Jack replied: "... I think this has been discussed before. My current advice to to get insurance under your own name, even if your car is titled with an LLC. (If a PI has your license plate run, insurance information will NOT come up.)"
This doesn't answer the question, Jack. His problem is that the insurance company will NOT insure a vehicle that is owned by an LLC under a personal policy. This is true of many insurance companies, because they assume that if a business owns the vehicle, it's being used for business purposes, and the rates are different for business policies.
In such situations you have a choice: either find another insurance company that will, after disclosure, insure a vehicle held in an LLC with a personal policy, or pay something extra and have your vehicle commercially insured.
I'm looking into a fleet policy for my vehicles, which may give me comparable rates if I certify that the vehicles will be driven only by drivers over 40 years of age. A fleet policy combined with LLC ownership pretty much completely divorces the vehicle from the individual.
But, be sure to carry a letter of authorization from the LLC that authorizes you, the individual, to possess and use the vehicle along with your other papers, so the police don't seize the vehicle as potentially stolen.
I agree with the comments in #5963. Several years ago, I dumped my incompetent insurance agent. I asked the manager of another office of the same insurance company to recommend his best, most detail-oriented agent, mentioning that it was my intention to transfer all my existing home and car policies to her.
Since then, I've had no troubles with my policies. As recommended by Mr. Luna, my car insurance policy is in the name of "J. Lastname d/b/a Company LLC." My agent became completely satisfied with this setup once I explained to her that the insured vehicle is (a) not used for any business purposes (which would thus require a commercial policy) and (b) titled under the LLC name.
I don't use State Farm. My insurance company does car insurance in 25 states, though, so I know that you can find at least one major insurance company to cooperate. I recommend you find a better agent or a better company.
Let it out of your sight for just a few minutes, and your smart phone can be turned into a rogue agent that spies on you.
FOX 26 News tested one such program. It cost $250 and took about ten minutes to install on the target phone.
Once activated, the spyware revealed the calls placed by and received by the phone, listing phone numbers, times, dates and length of each call.
It also logged every text message, both incoming and outgoing.
And it enabled a third party to dial in to the target phone without detection, activating the microphone so the spy could hear everything said in the vicinity, even though the phone itself appeared to be "asleep."
URL #1: http://www.myfoxhouston.com/dpp/news/weird/090520_spy_phones
If you are not getting my e-mails (sent every 3 to 5 weeks), let me know.
Interesting article, which reinforces the advice to Skip College and work for yourself.
URL #1: http://www.nytimes.com/2009/05/24/magazine/24labor-t.html?_r=3&pagewanted=1&hpw
Susan, , Age: 53
James, I think the problem is that you are using State Farm. If they will not allow you to have your car titled in an LLC and the policy in your own name, as Mr. Luna recommends, then you need to find another insurance company. Many companies will have no problem with what you want to do. Personally, I found State Farm to be quite picky, and I dropped them. I'm not surprised you had this trouble.
Elizabeth, , Age: 54
"... I think this has been discussed before. My current advice to to get insurance under your own name, even if your car is titled with an LLC. (If a PI has your license plate run, insurance information will NOT come up.)"
This is what I've been doing for the last yr. Insurance under my own name car titled with an LLC. Statefarm wants me to title the car under my own name or issue new insurance under the LLC as commercial.
Hello:
I saw a telephone deal called the Freedom Phone advertised recently. The seller says that phones made in the USA and in Europe have a tracking chip in them but the phone he can sell you from Asia does not. Does this information sound plausible?
Dave, , Age: 44
I've been with State farm for over a yr. Today got a call my policy went under review, since my car title is under a llc they are giving me two choices. Change titles to my personal name or get insurance under commercial. I already told them "the LLC has only these two cars no other assests, we don't sell or sales etc..." Any better one gone through this already? What are my choices?
james, , Age: 35
"Computer users often dismiss Internet security best practices because they find them inconvenient, or because they think the rules don't apply to them. Many cling to the misguided belief that because they don't bank or shop online, that bad guys won't target them. The next time you hear this claim, please refer the misguided person to this blog post, which attempts to examine some of the more common -- yet often overlooked -- ways that cyber crooks can put your PC to criminal use."
URL #1: http://voices.washingtonpost.com/securityfix/2009/05/the_scrap_value_of_a_hacked_pc.html?hpid=sec-tech
Nona, , Age: 44
When you retire it may be possible to leave the money in your employer's plan. If it is not rolled over to another qualified plan or IRA it would be considered a withdrawal and taxes will be due and maybe penalties.
It is not necessary to start an LLC to have a qualified plan, you can be a sole proprietor and have a qualified plan.
There are several advantages to having your own qualified plan over an IRA. You can withdraw the money without 10% penalty at age 55. You must be 59 1/2 to withdraw from an IRA without a 10% penalty except for a 72t election and certain other limited exceptions.
Roger, , Age: 58
I have had the same PO Box for over 20 years. Today I received a form in the box from the Postal Service, which reads:
Postal regulations require that PS Form 1093, Application for Post Office Box Service, contain updated current information for each box holder. Customers that receive mail in a Post Office Box must be listed on the PS Form 1093 and each person must have two forms of verifiable identification.
Attached to this letter is a new PS Form 1093, please complete the form and hand it to any of the window clerks at the post office. When you do so, you will be asked to show two types of acceptable identification, one bearing your photograph. The identification presented must be current, must contain sufficient information to confirm that the applicant is who he or she claims to be, and must show your street address. Acceptable identification includes valid driver's license, State non-driver's license, armed forces or government ID, university or recognized corporation ID, passport, alien registration card, certificate of naturalization, current elase or mortgage, deed of trust, voter or vehicle registration card, and home or vehicle insurance policy. Credit cards, social security cards and birth certificates are not acceptable forms of identification.
Each person over the age of 18 that receives mail in the post office box should accompany you to the post office and show two types of ID. We appreciate your cooperation, and apologize for the inconvenience.
I don't like having to do this, especially since my driver's license has a ghost address. I wonder what would happen if I simply didn't file the form? Or maybe just let the PO Box go? What's the point of it if you can't have privacy?
I have PO boxes also but to date have never received such a request.
what happens if the nominee you are using gets audited by the IRS? there would surely be a discrepancy between their reported income and this bank account that they are not even using.
leonard, , Age: 35
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