JJ Luna

Questions & Comments

There are 7,116 questions at JJLuna.com.
#5534 03/05/09 Beleaguered Surgeon

Hello Mr. Luna,


I have read with interest HTBI as well as some of your e-books on personal security and banking. I read with a certain melancholy your "Skip College" e-book.

This was a fascinating read for this over-educated surgeon, now with 26 years of training sunk into a field that promises to make me a federal worker before long (but not if I can help it)./p



I love my work. Reconstructive surgery is a gift of transformation for my patients. I understand that total invisibility is not an option for me. But do you have any suggestions for doctors seeking to minimize exposure to oppressive government bureaucracies? Any tips for dealing with the state medical boards, who sell our information to internet opportunists? I know this may not be your area of expertise, but any advice you can offer (or contacts you may have with other like-minded physicians) would be appreciated./p



Best,

Helen S.





Helen, ,      Age: 38
Can you afford to drop out of the rat race? If so, perhaps you could work as a volunteer doctor, overseas.

... Otherwise, you can at least (1) hide your home address, (2) open a bank account in Canada, and (3) hide all real estate holdings.

... Thank you for the kind words about "Skip College." As you learned, it is written for more than just young people.

#5533 03/04/09 large cash bank withdraw
I sold my home last December and after the closing I deposited my check for $40,000 into a money market acct at my local bank. I then moved to the state of WV. Since then I've thought a lot about the safest/most accessible way to keep that money. I can't think of any good reason for keeping it in the bank and would rather keep it in a well hidden and secured place where I can access it at any time and under any circumstances (ie even if the bank computer systems go down or in the event of any sort of disaster). Is there any way to take out that much money in cash without raising red flags? I can't really take it out in small increments because I'm now 700 miles away from the closest branch. Would I be better off buying gold off a check written on the account than trying to take out cash? Thank you for any advice you can give.
-Jay P.

Jay, ,      Age: 30
Gold, no, for various reasons. If you order my e-book "Invisible Money" you'll learn about ways to hide the actual cash and also, details about opening a Canadian bank account in Canadian dollars. (The Canadian banking system is far safer than the American one!) Beyond that, it gets complicated. If you can spare the time, why not meet me in Las Vegas for a short consultation on March 12th? You can see "O" at the Bellagio at the same time. :)

#5532 03/04/09 Email removal
Thank you Sebastian and Michael. The email account has been dumped. I obviously need a better education about protecting my computer privacy. One thing I do correctly is use a computer that has never been connected to the internet for all personal documents.

The email was deleted and I contacted my attorney with the specifics so it is on record.

I will be moving shortly and will finally be putting the rest of the "Invisible" practices in to place.

Thank you.

Alex, ,      Age: 41

#5531 03/04/09 Coming soon to a DDS near you
I'm interviewing orthodontists for my child. I was HORRIFIED to see the new "check in procedure" at an office today. It has a fingerprint scanner!!! I asked the receptionist if it was mandatory in their office and she said no. (I would have crossed him off my list if she didn't respond that way.)
I asked where this idea came from and she said the Dentist "opted in" as part of the HIPAA programs.
I would imagine this must be the beginning of the new protocol to protect our privacy. Yeah, right!

Theresa, ,      Age: 44

#5529 03/03/09 EFF's
Many questions asked on this forum here are also talked about in the guide. Worth a look?
URL #1: https://ssd.eff.org/

Jeff, ,      Age: 21

#5528 03/03/09 Problem Email
Alex: Several problems here, as far as I can tell.

1) Your private email address isn't as private as you thought.

2) How are you to get rid of the email from your ISP's email server.

3) If you were to read it, how do you do that without leaving a trace on the computer you use to read it.

4) How to keep safe against viruses and other malware in email generally.


URL #1: http://www.sandboxie.com/

Michael, ,      Age: 40


#5527 03/03/09 Problem Email
Open it in a “sandbox”. Get an old computer; if you don’t have one, they are cheap. Set the old computer up to receive and read email. Download or copy the email to the old computer, scan it for malware, and open it. Delete the email from your current computer. If the old computer is compromised, you can do a low level hard drive format and reinstall software with no losses.

Sebastian, ,      Age: 58

#5526 03/03/09 My prior question
JJL,

Yes to your question, but I'm also concerned that the email might potentially have a virus...or something of that nature. Also I'm concerned from a safety issue. The email came to a personal email not a corporate one. Thank you.

Alex, ,      Age: 41

#5525 03/03/09 Problem Email
An ex-client of mine was convicted of a 2005 threat against a federal employee in another state last year. It resulted in a federal building being shut down for possible contamination. This person has not been a client for many years and I have had no contact with them since 2004. I do not want ANY affiliation with them at all. Last night the ex-client sent me an email. I do not want to open this email and was wondering how to get it off my computer. Just delete it? Any suggestions?

Alex, ,      Age: 41
I assume you are an attorney, and wish to avoid having the e-mail show up even if your e-mail records are subpoenaed, correct?

... If so, this is a tough one. The e-mail still resides on your IP's server. Perhaps some kind reader can help you with the immediate problem, which will involve more than just hitting the delete button.


#5524 03/02/09 Court: self-incrimination privilege won't protect password
This ruling is certain to be appealed, and will likely be overturned.


The simple fact is that the government cannot compel you to say or do anything that might incriminate you. They can't compel you to speak AT ALL, EVER, and they can't compel you to perform some action based on guilty knowledge that would produce incriminating evidence.


What this judge is ruling is equivalent to saying that if a drug smuggler has a locked safe in his trunk that the police can compel him to open it merely because a drug dog has detected the scent. They cannot, and the defendant can refuse to assist them. It then becomes the government's problem to break into the safe to obtain the evidence if they have a warrant.


Encrypted computer files are the same sort of thing. Only your testimony, in the form of giving them the password, either verbally or by typing it, would reveal incriminating evidence, and they cannot compel you to tell them where, or what, or how to find the evidence they want to use to convict you is. That's their problem.


In this case, they appear to be wanting to search the hard drive to find more evidence, probably including email links to other pedophiles, but since that information can be used to stack charges, unless they offer him immunity from prosecution for anything and everything that might be on the hard drive, he doesn't have to help them.


The important consideration here is what is the penalty for refusing to cooperate versus what the penalty is if some incriminating evidence is found. For most people, it's not a matter of criminal behavior, it's a desire for privacy, so it wouldn't be worth spending time in jail on contempt charges, but for child pornography, the added sentence could be substantial, so it's probably worth it to withhold the password.


Seth, ,      Age: 50


#5522 03/02/09 RFID chips In PP/CC/DL...
I use DIFRWear products for blocking this as we Brits already have RFID passports and some credit cards are now wireless too.

They accept cash by mail in payment for your order.
URL #1: http://www.difrwear.com/purchase.shtml

Michael, ,      Age: 40


#5520 03/02/09 Court: self-incrimination privilege won't protect password
Thought some might find this of interest.

The privilege against self-incrimination, a federal court has ruled, does not bar prosecutors from forcing a defendant in a child pornography case to decrypt his laptop hard drive—reversing a 2007 decision that found the demand to enter a password equivalent to compelled testimony.
URL #1: http://arstechnica.com/tech-policy/news/2009/03/court-self-incrimination-privilege-stops-with-passwords.ars

John, ,      Age: 40

#5515 03/01/09 TrapCall
SERVICE UNMASKS BLOCKED CALLER ID TELEPHONES
“TrapCall” offers a service to unblock blocked caller ID information. When a cell phone with the TrapCall service employed receives a call from a phone with a locked phone number, the service unblocks the phone number and caller ID information of the blocked phone number.

URL #1: http://www.trapcall.com/

Hector, ,      Age: 50

#5514 03/01/09 Tax Privacy
I work from home. I've been doing my own taxes for over 20 years. I'm one of those people who can sit down with a cup of tea and read through the instructions to the 1040 or any other form, to find the answers I'm looking for. I check out the "What's New" section at the very beginning of the 1040 instructions - every year. Never an audit. I go through the 1040 line by line, and follow the instructions to the letter - filling in the number or going to the form it tells me to - and on to any additional forms required. I flip back and forth between the forms and their specific instructions, until I reach a form that doesn't tell me to go further. At that point I know I'm done with that form, which really means I'm done with that line on the 1040.I don't deduct anything for a home office because it's a big gray area, so I expect the IRS to change the rules frequently. I don't feel like keeping up with the rules, or wondering if I've got them right. I download all forms and instructions from the IRS website, and use the free adobe program to type in all my information, except my name, address, ss# and bank account number - for a refund. I print the finished forms then hand write the sensitive stuff onto the forms. I snail mail it, certified, to the IRS.

I have never given the IRS the address of a home I owned at the time I filed the return. No problems ever. I only give them the address of past homes I have owned, to claim a capital gains exemption or deduction for a loss. I put the address on schedule D, part 2, under property description. I do this the year after the sale. I don't deduct anything unless I have the original receipt or the closing documents showing the numbers. Never an audit. Never a problem. If I was audited, I would bring all my receipts, and whip out my 1040 instruction booklet for the year their interested in. I would spend my time with the auditor showing him my receipts and reading him his own booklet. I would not answer any questions beyond the issue listed in the audit. I am not an expert on audits, though, because I've never had one.

Larry, ,      Age: 45

#5513 03/01/09 Enhanced Drivers Licenses
There is also a metal mesh lined pouch and wallet available at some travel stores that will defeat the RFID chip by sealing it in the miniature equivalent of a Faraday Cage, thus preventing any RF query of the chip.

If there are any electrical engineers out there, I would like to discuss a private project with one for a potential product to solve this problem.

Seth, ,      Age: 50

#5512 03/01/09 RFID chips in Driver's Licenses
Wouldn't the RFID chip in a passport accomplish the same thing? You say (and I believe you) that one shouldn't carry their driver's license as identification. I understand that the passport is superior in this respect because it doesn't give your home address right on the card. I've got that...

The problem is that a person walking through the crowd (as referenced in the article linked in the earlier post by somebody else) could ALSO pick up the RFID chip in the newer passports. That leaves almost everybody who carries a passport instead of a driver's license for ID vulnerable as well. Even those of y'all whose passports were issued prior to RFID chips will eventually have to replace them....

At what point will it cause even more questions to be one of the people in the crowd whose passport or driver's license doesn't "beep" while the security guy is walking through the crowd? Not that I'm paranoid.... LOL!

Dorothy, ,      Age: 40

There is seldom any reason to carry a passport. Since you always pay cash, it may be needed only when you wish to cash a check or travel by air and/or stay in a hotel or motel.

For those of you even more paranoid than your humble servant, wrap your passport in tin foil.


#5511 03/01/09 NM LLC owning another LLC
Mr. Luna,

Can a New Mexico LLC own an LLC in another state that transacts business? I own several rental houses in an LLC, but wish improved privacy. Will a New Mexico LLC owning my in-state LLC help? Are there any down sides to doing this? I need to finance my properties, so I quit claim deed the properties into my LLC after purchase. (Financing through the LLC is more expensive.) I realize this does leave a trail, but you have stated in the past the transferring later is still a good idea.

Love your book. Keep up the great work.

Steve, ,      Age: 47
Yes, an NM LLC can own another, anywhere. However, in the field of asset protection, I prefer that you get expert help--especially since you are using mortgages. Your best protection, as always, will be insurance.

#5509 02/28/09 Enhanced Drivers Licenses
Just when you thought the REAL ID act had gone away....here is a "new" version that should scare you to death.....link below.











URL #1: http://www.worldnetdaily.com/index.php?fa=PAGE.view&pageId=90008

Sarah, ,      Age: 50
Remember, Sarah, that there is no need to carry your driver's license. Since it is only to show a cop if he pulls you over, leave it hidden in your car. (As always, carry your passport if you anticipate you are going need some ID.)

#5508 02/28/09 Re: #5505, Paul
Jack's e-book Invisible Money already has the advice that will help minimize this risk: Open your nominee account in another state, and at a smaller bank.

Paul, ,      Age: 54

#5507 02/28/09 Facial recognition
Current state of commercially available computer facial recognition. You can assume that if you are willing to spend more money you can get much better results.


URL #1: http://www.technologyreview.com/computing/22234/?a=f

Marc, ,      Age: 44
Here's one of the scary parts:

"But what's really unsettling about Google's service is that it doesn't just stop at your friends. Before you know it, Google is asking you to identify all those other faces in your photographs--the people standing in the background, the faces in the crowds, even the faces on posters ..."


#5506 02/28/09 Consulting in Las Vegas?
Dear Mr. Luna,

- A friend where I work says he heard about a discount on a consultation with you, provided it was a certain date and in Vegas.
- He can't remember the date or details, so if the date has not already passed, could you post the details, please?

Harold, ,      Age: 55
No, and I can't contact you privately because you failed to leave an e-mail address. If you send me an e-mail, be sure to tell me exactly what you hope to accomplish because I turn down any request where I think I cannot be of any serious help.

#5505 02/28/09 Nominee Death
I have researched prior posts and have not found an answer to this question.

If you have a nominee open a bank account for you, and that nominee later dies (as I'm told we all eventually will,) won't that account be frozen as soon as the bank finds out? Then your money will be part of your nominee's estate, unless the nominee is not a U.S. citizen.

Is the answer to electronically transfer funds to that account only as needed, so no excess cash is there on that mournful day?

Paul, ,      Age: 48

Don't keep too much cash in the nominee's account if you are worried about his or her health. Normally you would cash a check for close to the balance, once you heard of a serious accident or illness. Otherwise, don't keep any more in the account than you can afford to lose. (I suggest keeping the balance under $10,000.)

#5502 02/28/09 alibi-baby
Mike, I'm pretty sure this was discussed awhile back. Somebody had an Ebay auction with something similar, and I have a vague memory of Jack offering something like that through Canary Islands briefly.

As for using it for more than a practical joke, I wouldn't recommend that at all! There are too many ways to be found out - like a mutual friend seeing you in person by chance meeting on the date of the postmark, except NOT in Europe, but rather at the grocery store or the car wash or the movie or the mall or the doctor's office...

Dorothy, ,      Age: 40


#5501 02/28/09 Lisa, missing child
Are the police treating this as a non-custodial parental abduction? If so, then keep going up the police station hierarchy until you find someone who will agree to tracking him down that way. If not, you might need to explain to them that your ex- getting your daughter to a place of safety was okay for a few hours, but now it's not okay, it's a violation of your custody agreement.

In the future, when you get your daughter back, if your ex-husband ever gets visitation again, supply your daughter with her own cell phone secretly. Because it will be YOUR cell phone, you will have the legal right to call up the cell carrier yourself and ask for location tracking on the phone. Plus, she will be able to reach you without having to ask permission first. Best wishes on her speedy and safe return.

Dorothy, ,      Age: 40


#5500 02/28/09 Alibi (for fun)
I found this website, used them and it worked fine. Obviously its intention is for fun but could there be other uses for it...?
URL #1: http://alibibaby.weebly.com/index.html

Mike, ,      Age: 47

#5499 02/27/09 Concerned Mom - cell phone ping
The cell phone can probably be located. The police have their hands tied. A PI would be your best bet, but they would need to verify this information and a good one would probably require you to fill out paperwork, and fork out a fair chunk of change before locating the child or the ex-husband.

Is the phone still active? You might save yourself some money by calling it. If you have a lawyer, maybe they should call the cell phone.

Drake, ,      Age: 34

#5498 02/27/09 Trace a cell phone
My ex husband had some very serious crimes at his home on Valentines Day by his oldest son. This spooked him and he has disappeared with our daughter. I have custody and have since obtained a Temporary Restraining Order blocking his contact with our daughter until we can have a hearing and a Writ of Attachment for our daughter, when found, to be returned to me. I am very concerned about my daughter and what she may be going through. Is there any way I can trace the location of his cell phone that he is still using so I can find my daughter? The police will not help with this, is there any other way? -Concerned Mom

Lisa, ,      Age: 38

#5497 02/27/09 Re: 5480 David
My daughter had all of her ID stolen...SS card, Drivers License, etc. When we went to the SS Office we were told that they WILL NOT issue another SS Number for her...she was just 18 at the time. When asked why not we were told it is against policy regardless of having it stolen, including for the reason of Identity Theft, we just had to keep checking her credit report to make sure there was no illegal activity. Even then, they would not reissue another number to her. We were shocked by the response and asked to speak with a supervisor, we were told the same thing. Leave it to the government to HELP in these situations.....sarcasm intended. Good luck!!

Sarah, ,      Age: 50

#5495 02/27/09 Don - vumber
Don, have you tried contacting Vumber and asking them about it? Maybe they will give you a new number free. Maybe they can explain how they generate the numbers and what might account for the calls. If there's a weakness in Vumber's operations, who knows, maybe your inquiries will inspire Vumber to change the way they get numbers so as to prevent this in the future.


URL #1: https://www.vumber.com/contact.aspx

Brian, ,      Age: 21

#5489 02/25/09 Don- Vumber
Don- I put Net 10 phones just for my kids or husband to call me. I get a lot of "junk" calls too from all over the place. (I never answer those.)
My kids have answered it accidentally few times; it was a wrong number.
My guess is they're either recycled numbers or computer generated marketing garbage. (Once, with an old contract cell phone, I started getting weekly solicitations from a large tele-evangelist. I have NO idea how they got my number. I was furious!)


Theresa, ,      Age: 44

#5488 02/25/09 Tax privacy
I'm also not aware of a requirement to note the physical address up front. However, if you're audited, particularly if you are subjected to the dreaded TCMP (taxpayer compliance measurement program) audit, you will have to not only reveal the location but prove the degree of business office use, in detail, with receipts, photos and possibly an inspection by an IRS agent.


Home business deductions are one of the "red flag" items that any good tax attorney will tell you to seriously consider before claiming. The IRS is fully aware of the propensity of taxpayers to make faulty home office claims, and they quite frequently audit such returns.


If you're trying to stay private, if you can afford it, don't itemize, just take the standard deduction. Any time you itemize, you raise your chances of an audit because you're giving the IRS information it does not need, but which it can use against you.


Being invisible and trying to play clever games with the IRS is a mutually exclusive proposition.


Also, if they ASK you something, like your true street address, and its either compulsory (such as when they are going to levy on you) or if you voluntarily answer some inquiry. DO NOT LIE. Even a little, even by omission, because THAT is a federal felony crime for which they WILL toss you in the pokey if they can. Either REFUSE TO ANSWER or provide the information (if it's optional) or tell the truth. Giving the IRS your ghost address as your true residence address (as opposed to your mailing address, which is why I use a PO box) could be considered to be "concealing assets" if the IRS wants to levy on you for back taxes.

Seth, ,      Age: 50

Peter says he is self-employed. I assume he can always take the standard deduction and still take office expenses off on Schedule C.

#5485 02/25/09 Tax privacy
JJ, thank you for your time. how do you reconcile being private and not listing your true home address on your taxes and being self employed and writing off your office / residence on your returns? the write off is substantial around $30,000 a year. if i want to write off my home office and some of the rent for it, i would need to disclose on my taxes where the primary residence is physically.

any thoughts or solutions? much appreciated as always.
peter

peter, ,      Age: 34
I am not aware of any requirement to list your home address when writing off home-office expenses. (I assume you list a ghost address as the mailing address on all tax returns, right?)

#5484 02/24/09 Issue with Vumber
I'm wondering if Vumber is not in cahoots with the folks who call, saying the warranty is out on the vehicle. I signed up with Vumber yesterday on two mobile phones, and have since gotten dozens of these fake calls on both phones. Caller ID reveals numbers from all over the map. Weird.



Don, ,      Age: 60

#5482 02/24/09 Best Buy Stores database hacked
this week brought news of three major security breaches in Florida that have put the personal information of tens of thousands of regular citizens in danger.



First, Best Buy discovered that an employee at a West Palm Beach location may have been using a device to skim data off of credit cards as they were being swiped for purchases.



n an even larger breach, the credit card data of up to 21,000 customers at Wyndham Hotels in Florida was siphoned off the company's servers by hackers.
URL #1: http://www.switched.com/2009/02/23/florida-struck-with-three-cyber-attacks-in-one-week/

Stan, ,      Age: 43

Quote: "Needless to say, customers who shopped at Best Buy in November and December should pay close attention to their credit card bills, just in case."

... I shopped at Best Buy in December but I paid cash. If you readers shopped there and also paid cash, you have nothing to worry about. ... :-)


#5481 02/24/09 Another good reason to use a pseudonym
I just found this article about the involuntary paternity racket in California that gives men a really good reason never to use their real name when dating, or any other time for that matter.


Note that I'm not advocating being a deadbeat dad, but as this article points out, when you can be slapped with child support when you never even met the mother, merely because your name is the same as a deadbeat dad, and you've been the victim of "sewer service" on the paperwork that gives you just 30 days to deny paternity, it provides a really good justification for being invisible AND for using a pseudonym whenever you can manage to do so.


This is REALLY scary!
URL #1: http://www.reason.com/news/show/29035.html

Seth, ,      Age: 50


#5480 02/24/09 Soc Sec #
"HOW TO BE INVISIBLE" mentions obtaining a new
SS#, if your identity is stolen. Does anyone know if a new number creates a new credit/criminal/ employment history and where might I obtain more information about that?

David, ,      Age: 30

#5479 02/24/09 RE:5477
MARC,I realize the English language is full of homonyms,but you live in California,whose education standards are known to be higher than,say,those of Mississippi.Check J.J.Luna's introduction under"Read This First" to learn how to spell "principle".You pointed out the headmaster of a high school to us,which did not relate.Did you come from Florida?I read that Mr.Luna grew up in Minnesota.Now that's high standards.Not all states were created equal.

HELMUT, ,      Age: 69
Helmut, I noticed the "principal" but I prefer not to change posts as long as the meaning is still there.

And BTW, you addressed the post to Marc but #5477 refers to Jane.



As to education, the main difference is that English and handwriting in the schools has come down all over the country since the 1930s and 1940s.



I still make mistakes, and so do you. (You leave no spaces after the periods in your post, above.) :)


#5478 02/23/09 Marc and Jane - cancer registries
While the concept of a cancer database may seem like the ultimate in privacy invasion, especially when it is accompanied by financial consequences from your local banker... I offer this thought: Cancer registries actually serve a very useful purpose in that they identify cancer "clusters" in a particular region. I would suggest that one get into a habit of misplacing a digit or two in one's SSN whenever possible on medical information forms, and misspell your own name while you're at it, especially if one can figure out which digits to transpose so as to create a unique, non-duplicated SSN that doesn't borrow somebody else's name in the process. But don't balk too much at the concept that one's cancer is recorded in a database somewhere. Here's why: When the health departments look at cancer clusters, you might want to know (or your surviving relatives might want to know) whether you lived in a region that had way more than the "average" number of cases of your very rare cancer. That knowledge could be useful for tracking down the fact that some industry was putting contaminants in the water or air supply in excess of what that industry or the FDA or the EPA knows to be a safe level. While you don't want your *personal* identity known, you still DO want the fact of your existence (if anonymously, then so much the better) known. Trust me on this one - it's the voice of sad experience.

Dorothy, ,      Age: 40

#5477 02/23/09 Marc #5476

Other states besides California probably require doctors to report cancer patients. I remember about 10-15 years ago reading about a situation on the east coast (might have been Maryland but I'm not sure) where a bank officer, who also sat on some state medical board, cross-referenced the state's list of cancer patients with his bank's records.

He then called in the loans of everybody on the cancer registry and put a "no loans allowed" remark in the computer of account holders who had cancer but did not have a loan at the time he did it.

I know credit is bad for privacy but it's the principal (or rather, lack thereof) I wanted to point out.

Jane, ,      Age: 49


#5476 02/23/09 CA and cancer patient confidentiality
I came across this appalling item while reading a medical research paper. It would appear that in California, if you are diagnosed with cancer, the doctor is REQUIRED to report your name, social security number, birthdate, phone numbers, race, ethnicity, gender and detailed medical information to the state. Further, the CA registry may send a person to the doctor's office to look over your records and copy items as they see fit. This has been going on since 2001.



The reporting compliance information for doctors has a bold section stating "CALIFORNIA LAW DOES NOT REQUIRE WRITTEN OR VERBAL PATIENT CONSENT TO REPORT, AND SPECIFICALLY EXEMPTS PHYSICIANS FROM ANY LEGAL ACTION OR DAMAGES FROM MEETING THEIR LEGAL OBLIGATION TO REPORT CANCER CASES OR TO PROVIDE ACCESS TO THOSE PATIENT'S MEDICAL RECORDS" No doubt in an attempt to prod doctors to help hide this ethical nightmare. Once the information is sent off to the state, you are given a notice that it's been done.



There are a few loopholes that would allow a privacy friendly doctor to not report you. If you are "directly referred" to a treatment facility or have been previously diagnosed or admitted for that specific instance of cancer, reporting is not required. So you could have the doctor do a direct referral, then call the new doctor to cancel the appointment or tell them that you decided to go elsewhere. I can't think of any doctor that would go chasing you just to fill out more paperwork.



URL #1: http://www.ccrcal.org

Marc, ,      Age: 44

#5475 02/23/09 Carlos - GSM phones & SIM cards
Both AT&T and T-Mobile seem to be able to recognize the MODEL of the phone that a SIM card is sitting in, or recognize that the SIM card is not in a turned-on phone at all. I can't say for certain that they would be able to read the individual serial number of the phone or whether they can just tell the make and model. From various things gathered from using both AT&T and T-Mobile for prepaid and postpaid accounts, it is clear to me that they CAN and DO recognize the make (Nokia, Motorola, etc.) and model (Nokia 6101, Motorola v195, etc) of a phone when the SIM card is installed in that phone. The ONLY way I know of to disassociate a phone's SIM card from its phone is to remove the SIM card and/or remove the battery.

The ONLY exceptions I have found are these: T-Mobile's "MYAccount website" does not seem to be able to recognize a Nokia 1100 or a Nokia 1208. The Nokia 1100 is obsolete and hard to find, but the Nokia 1208 can be found at Walgreens and Wal-Mart and perhaps more stores, for $19.99. Which of course you will pay cash for.... :) There may be other phones that T-Mobile's "Myaccount" website can't recognize, but I'm a cheapskate, so I haven't tried every phone out there yet!

Dorothy, ,      Age: 40


#5474 02/23/09 Re #5468 - Vehicle Registration Renewal Consent
Lee, you DO NOT have to check this. They wouldn't make it a check box if it was not optional. It's a Junk Mailer's dream, and it allows the DMV to sell addresses to anyone who pays the freight.


NEVER consent to release of your personal information, EVER! No one can force you to do so, under any circumstances.


ALWAYS take the opposite position. In fact, when someone TRIES to get you to waive privacy, don't just object, PUT IT IN WRITING. Cross out any contractual provisions that purport to authorize release of information, get photocopies of the contract as amended, get the representative to initial the corrections, and then follow up the contract with a confirming letter advising them to NEVER release your information to anyone without your express, written consent on each occasion.


If they waffle or object, first demand a supervisor and explain that things ARE going to go your way, whether they like it or not. If they still balk, get up, walk out, and find someone else to do business with.


NEVER WAIVE YOUR PRIVACY RIGHTS! NEVER, EVER!

Seth, ,      Age: 50


#5473 02/22/09 checked baggage and alternatives
My Grandmother used to send her luggage ahead of her travels via Greyhound. This was REALLY a LONG time ago (she died in 1987). Is that still a reasonable idea? What about sending it to your UPS CMRA *after* setting up a forwarding address from the CMRA to a different CMRA in your destination city? I checked on that concept last week, and my UPS CMRA only charges $10 for a month of forwarding service to a different UPS Store. So how about the price of sending the package via UPS to yourself at your CMRA, plus $10 for a month of forwarding? Relatively private? Relatively less likely to "lose" one's luggage or have items stolen from it?

FWIW, a very close relative of mine lost luggage between the USA and Denmark after a weather mishap in France. It didn't show up in Denmark until approximately 10 days after the relative arrived in Denmark. And that was even including the fact that the relative got to Denmark 36 hours after the original scheduled flight! That relative was very thankful that I had strongly encouraged him/her/it to pack a change of clothing in his/her/its carry-on bag!

Dorothy, ,      Age: 40

Although I prefer Priority Mail, I see no big problems with your UPS ideas.

#5472 02/22/09 GSM cell phones
I want to have 1 phone but use many SIM cards in it. Is it possible will TMobile or ATT or other company track my phone id no. and link the phone numbers? Is 2 or 3 or 4 phones safer than 1 phone and 2 or 3 or 4 SIM cards?

Carlos, ,      Age: 19

#5471 02/22/09 Private Banking
I wish to work with a private bank.
The one I work with now is not part of the ABA system of clearing houses nor the Federal Reserve.

Is there a way to access the private banking system so that i amable to function day to day? Pay bills buy clothes etc.

David

David, ,      Age: 56

I have never heard of any "private" banks in Canada.

#5470 02/22/09 Re: #5469 - JJ's answer
JJ,
In response to #5469 you said Fed Ex is now in the govt's pocket so you use only the US Postal Service. Aren't they as bad or worse than Fed Ex since they were a formerly govt owned, now quasi-governmental organization with very broad powers (U.S. Postal Inspector's)? Just curious why you think they are safer or better than Fed Ex or UPS? Thanks.

John , ,      Age: 39
FedEx keeps the name and address of every sender and receiver in a database which is accessible by US goverment agencies. Not so with USPS, when you use parcel post or Priority Mail.

#5469 02/22/09 Smartitag Luggage tags
I came across this product while browsing around Wal-Mart. It's the Smartitag Luggage and Key Locator. You place this tag on your luggage, key ring, etc. and if they're lost, whoever finds them can call an 800 number on the tag and using the PIN on there, they can be connected to one of five numbers that you choose. More information can be found at www.smartitag.com.



I remember reading in HTBI that you recommend sending your luggage through FedEx, UPS, etc. in lieu of checking it with the airline so that you wouldn't have to have a business card or contact information in the luggage in the event of it getting lost. So, does this seem like it would offer enough privacy if you still wanted to check luggage with an airline?

Ryan, ,      Age: 21

My recommendation is to never check luggage when you travel. One of our sons-in-law used to circle the globe on business, often being gone from home for three weeks at a time. He never checked a bag.

... Although the airlines try to keep this quiet, there are thousands of thefts from checked bags every month. Further, if you have not checked a bag, it is so much easier to transfer to another flight or another airline when necessary to do so. And last but not least, you will never lose a bag that was never checked.

... However, since FedEx is now in the government's pocket, I never use them. If I had to send a bag ahead, it would go via Priority Mail.


#5468 02/22/09 Vehicle Registration Renewal Consent
I'm still waiting on the NMLLC paperwork to be completed, but in the meantime my two cars are in my real name and point to my real home address.



I just got my tab renewal form for the upcoming year. My question is this: the box


"I consent to the release of personal information contained within my driver license and vehicle record. I understand that this is not a one-time consent that applies only to a specific individual or organization, but is instead a general consent that applies to all requests from any and all individuals or organizations for any purpose, until revoked by me in writing. Consent for a vehicle record applies to all owners."



I check this off every year because it appears that it must be checked off in order to properly renew registration, but that was before I read JJ's book. If you don't check this off, does anyone know if registration will or will not go through? If so, by not checking (and possibly revoking all past registrations by submitting a letter) does this mean the average joe is any more secure (assuming you trust your state government follows those wishes)? Obviously nobody should title and register a car in their own name, problem solved, however this is still a curiosity.

Lee, ,      Age: 33

#5467 02/22/09 Gift Cards and Maiden Name PO
I went to Safeway last week and purchased a Visa gift card which was loadable to between $20 and $500; the brand was GiftCardMall. I've never seen such high amouns allowable on a Visa gift card, but wanted to let people know that these are as anonymous as a Visa card can get.

The acvtivation fee was $5.95, the same fee as for the $100 gift cards so these are much more price effective. I loaded it with $200 and registered my ghost address and alternate name at GiftCardMall.com so online purchases AVS correctly with the billing name and address of my choice.
Next time I'm going to get the full $500.

I wanted to let people know that the hassle of GiftCards is much less if you can get $500 at one time. You can use the same card much longer for online services such as Vumber, Vonage and remote Servers for tunneling than $100 denominations.



The hardest part about the "privacy conversion" is being patient. Trying to convert too much at once is stressful and a good way to blow your cover. Researching each step (on this website and in books) just before it is done seems to help. My wife and I just got our DL's switched to our existing PO and in an alternate address. We also got my wife's name re-hyphenated with the social security administration and the new card will be here next week. They required no additional docs since all the docs connecting her maiden name and our marriage license with my last name is all information already on file.

We plan to put the PO box in her maiden name and since the DL shows a ghost address, the physical address will not be connected with us. We can then switch all of our existing bills over to the new PO and let the old one cancel out.

Leon, ,      Age: 30

You may now advance to the head of the class, Leon. :-)

#5466 02/22/09 Canadian currency
If I order by mail, sir, will you still accept Canadian dollars as equal to American, despite the drop in the loonie?
URL #1: http://canaryislandspress.com/index.cfm/page/OrderbyMail/index.htm

Grace, ,      Age: 57
Yes. I just added a note about that, on the Web page listed below.

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