JJ Luna

Questions & Comments

There are 7,106 questions at JJLuna.com.
#4394 06/19/08 IronKey - encrypted USB flash drive
I have recently purchased some "IronKey" brand encrypted USB thumb drives. I'm still learning to use mine, but they look very promising for privacy purposes. Do you or any of your readers have comments?



URL #1: https://www.ironkey.com/

James, ,      Age: 65

#4393 06/19/08 NM LLC - Real Property Recording in San Antonio
Mr. Luna, I'm about to make a "all cash" real estate residential investment for less $70K. The money will be wired from one of your small mid-west bank recommendations to the title company. I order a NM LLC just to have it on the County Clerk online public display. Has anyone of your students or readers been successful recording the NM LLC in San Antonio, Texas?? Any insight is appreciated.

Michael

Michael, ,      Age: 49
I can't answer for San Antonio in particular, but there is normally no problem in using an LLC for a property purchase. (Sometimes, a one-page resolution is asked for, but you just make this up on your own and sign it.)

#4391 06/19/08 Library Card
My pals and I recently tried and failed to obtain library cards in our alternate names. Of all the HTBI measures we've implemented so far, this has been by far the most difficult! We tried different branches of our City library on different days, and none of us were successful.



In addition to a utility or other bill in "your" name, they "require" photo ID. Does anyone have any thoughts about social engineering or other tactics (legal methods only, please)that might help us in this situation?



A couple of us would be somewhat willing to obtain a novelty photo ID (and hope they don't notice it's issued by "The Graduate School of Hard Knocks" or that it's a "Backseat Driver License" or whatever), but we'd want to make sure it was from a reliable vendor (i.e. that we'd actually obtain a quality product for our money). Any suggestions?

linda, ,      Age: 36

Libraries are indeed tough. I suggest you use a middle and a last name -- that usually does work.

#4390 06/19/08 Re: PO Box info update request (4381)
In my opinion, the best option to such queries is to ignore them. Often they are form letters sent out to large groups, with a lot of work required to verify that everyone responded. My success rate so far with ignoring such requests from the PO & CMRAs has been 100%.



Closing the box preemptively may cause you to needlessly loose a hard to get resource.



Many agencies now try very hard to get some form of verified home address by requesting utility bills, statements or such. A 100% legal way to deal with this is to rent the absolute cheapest fleabag apt. or room on a month to month basis. Insist on a written lease before handing over any money. Get utilities and a cheap/free bank account.



Have all your requests for information already lined up, so that as soon as you have the bills and lease in hand, you go get your DL, PO boxes and such.



After you have everything you need, move. Total cost can be as low as $300, probably less if you are creative.

Marc, ,      Age: 44


#4388 06/19/08 Crime Free places
I intend to move from Belgium soon as violence and crime increases dramatically. What do you think about monaco? I heard you don´t have to be wealthy to be able to live and work there and crime is nonexistent. Are there any places in the USA that are crime free or almost?
Any information is much appreciated

David, ,      Age: 33
I have no info on Monaco but I do know of an area that is virtually crime free. I refer to Lopez, Shaw or Orcas island, in Washington state's San Juan Islands. (For more information, contact me via e-mail.)

#4386 06/19/08 America is still the best
Finland, Sweden, and Norway make income statements public records.

Anyone can find out about ANYONE.

Complain all I want - at least we're not living in Socialist drudgery like that.
URL #1: http://www.usatoday.com/news/world/2008-06-18-salaries_N.htm?csp=34

Drake, ,      Age: 33
Yes, the USA is still the "least worst" place in which to live. Taxes in Europe are much higher than in this country, and gas is now approaching $9.00 a gallon over there.

#4385 06/18/08 fingerprinting
I have been offered a job and the employer has given me a form to get "livescan" fingerprinting done along with a Department of Justice background check. While I have no worries that I would pass, the thought of electronic copies of my fingerprints being sent to the DOJ gives me the willies. What happens to those files? Would I just be added to thier database permanently? I need the $ in a really bad way but.... I've heard that for any job where you could come in contact with children this is now a federal requirement. I don't know if this is true, but yikes! I think I can guess as to what you would say to the question "should I take this job or not?", but "should I take this job or not?

Thanks, Sallie

Sallie, ,      Age: 25
Take the job.

#4383 06/18/08 4th Amendment
If I were an employer and I'd provided my employees with a laptop or phone - I'd be mad about the ruling today. (Link below.)

As an employee, this is great news though.


URL #1: http://www.latimes.com/news/local/la-me-text19-2008jun19,0,4172340.story

Nona, ,      Age: 43
I agree with your comment about "If I were an employer... "

#4382 06/18/08 Terry - Credit Card
In your case the creditor probably charged off the account many years ago. Contact the top three credit reporting agencies, CRA’s, and get copies of your credit reports. The CRA’s can only list bad information for 7 years, 10 years for a bankruptcy. If any old information shows up contact the CRA and ask that it be removed.



Even if the data is not 7 years old you can often get it removed after a few years by writing the CRA and saying that the entry does not agree with your records. There is no need to be specific about what is in your records.



Let's use the example of an account where you were late with payments several times but did finally pay off the debt. The CRA gets your letter and must contact the creditor to verify the information reported. If the account was paid off and a couple years have passed the creditor would have to do a search of old records, possibly in storage, just to find your account. They would then have to write a letter to the CRA and provide the specific information. If the CRA does not have verification within 6 weeks of your letter they are required to remove the disputed information.

By the way, if you just happen to send this letter to the CRA’s at a time when everyone in the credit industry is busy, like mid November or early December, it is even less likely the creditor will get to this low priority project within the time limit.

Your best bet is to pay cash. If you do use credit, pay all your debts on time. If you cannot pay as agreed contact the creditor and set up a modified agreement, or go through a credit counseling service and pay off the debt as soon as possible. Then worry about cleaning up your records after a few years with no bad reports. After that, your best bet is to pay cash!!


Jenni, ,      Age: 50


#4381 06/18/08 PO Box info update request
I have held this business PO Box (size#1) for 1 year and 4 months. I renewed by mail with a USPS money order and paid for 12 months.

I have a personal PO Box for the same amount of time and renewed in the same manner.

I received this on June 2 for my business PO Box only at a large post office in a top 10 city:



Update Request

Box holder #/company name


All persons receiving mail in your box must submit 2 forms of valid ID.
All businesses must submit taxID info. or business certificate.
Please bring the PS 1093 form application filled out. submit 2 pieces of valid id (one with photo) and current proof of address (utility bill, cable bill, or bank statement that is less than 2 months old).

failure to update your application may result in termination of service.




I actually only use this business USPS POBox for a once-a-month business bank account financial statement. The bank only has my old physical address where mail is "returned to sender Undeliverable" and this PO Box as the mailing address.



I have a CMRA that I use in the same city for all of my mail.

I do not have id nor any of the proof of address for my physical street address. (Subletting and no utilities in my name).
My personal financial things all go to an out-of-state CMRA that says PMB# on the financial mailing addresses, and my drivers license goes to my personal PO Box.
Other than my passport & voter ID card, and business certificate (which I used to open the PO Box in the first place) I cannot update this PS1093 form without criminally furnishing false info to the USPS.


Is this a good time to just close the business PO Box?

Brian, ,      Age: 33

This DOES sound like a good time to close.

#4380 06/18/08 Air Travel
Hello Mr. Luna,
I'm traveling for the first time by air and hoping to use as many HTBI principles as possible. I've read both editions of your book. I intend to travel under my first initial and last name and wondering if paying cash would attract unwanted attention. Ive been advised that the name on the ticket has to match exactly as it does on my passport.
I'm curious if you or any HTBI frequent flyers have any advice to share. Thank you.

Jason, ,      Age: 30
I suggest you use at least your full first name plus last name. If you purchase your ticket on the internet, you will be stuck with having to use a credit card.

In my first book I showed a way to travel anonymously but in my later revised book I skipped that. The days of flying incognito on a commercial airline are (sad to say) gone forever.

Only the rich and famous--who own or lease private jets--can get away with that today.


#4379 06/18/08 old debts
[Edited for length] Debts older than 7 years old are NOT supposed to appear on a credit report at all unless they were included in a bankruptcy, in which case the maximum is 10 years.



A 16-year-old debt is legally uncollectable - wouldn't it be just as honorable to send the amount of the old debt to the original creditor anonymously and let the conscience rest?

Susan, ,      Age: 39


#4377 06/18/08 Terry- Credit card
Terry- If you listen to Dave Ramsey at all, he frequently has callers that find collectors calling them years after defaulting on credit cards. Quite often, these old/bad debts are sold to pitbull collection agencies for pennies.

Why not wake those old debts up one by one and simply pay what's owed? You'll sleep better at night! ;)

Theresa, ,      Age: 43

#4376 06/18/08 Deceased?
Does anyone have experience with returning unwanted mail addressed to them by marking the mail "DECEASED"? I'm thinking this might be a good way to get yourself off of unwanted mailings. Specifically, I'm wondering if anyone has found there to be negative complications.

linda, ,      Age: 30's
Why take a chance with DECEASED when some other stamp will work as well? I use
MOVED -- NO FORWARDING ADDRESS.

#4375 06/18/08 Credit History Question
When I entered college, I had a part-time job at a law firm, where I was encouraged to apply for as many credit cards as possible. When I was 18, I was proud I had 6 credit cards, quickly racking up balances on each. Some of the accounts with a zero balance were closed by me. Some with a zero balance I stopped using, clipping up the cards only. A few with balances, the highest being a $1500 balance, I just clipped up those cards, ignoring the collection letters. The last time I used a credit card was in 1991, so I'm wondering if I can remove any or all of the activity history on these cards from my credit history, as it's been over 16 years.

Terry, ,      Age: 38

#4374 06/17/08 Previous Addresses
Now that I have read your book and am privy to the importance of remaining invisible, the question of previous addresses arises. How can I tell which of my previous addresses that I have lived at during my entire lifetime are linked to my name? Obviously, if someone knows where I used to live 5 years ago, they may be able to go to that location and obtain information from neighbors or landlords though social engineering... how can I find this information and how can I protect myself? Thank you.

John, ,      Age: 40
To get the information, try one or more of the search sites and pay the fee for the most complete search. You might start with http://find.intelius.com ($49.95). As for how to protect yourself, the only solution would be to move ... and not let your neighbors and/or landlord know your new address or place of employment.

#4373 06/17/08 Re:Carrying cash
JJ,
I've noticed the concerns over carrying large amounts of cash and possible seizure if stopped by the police (very valid in many places for "significant" sums, usually over $1000 or so). Would having a letter from your bank officer stating the money was yours and legit and possibly the intended purpose (i.e. buying a car) possibly keep it from being seized? Thanks.

john , ,      Age: 39
If you appear legitimate and are polite, I seriously doubt that a cop in a routine traffic stop will ask you how much money you are carrying. Even better, drive carefully so you are never stopped.

#4372 06/17/08 <u>Just Say No</u> -- The new rally cry of Privacy Seekers!
JJ, I thought that you may find this article interesting. The Canadian Privacy Commissioner's office is urging Canadians that if they are asked to supply a SIN - Social Identification Number (comparable to a SSN in the US) for a service and there is no relevent need for supplying the SIN, that the citizen should say NO and that the citizen cannot be denied the rights to the service based on their decision to deny the SIN request.


URL #1: http://dailygleaner.canadaeast.com/cityregion/article/327101

Michael, ,      Age: 37

#4371 06/16/08 Carrying Cash Update
Greetings,

The attached address is from the NPR site. It outlines a story broadcast today titled "Seized Drug Assets Pad Police Budgets". Some police departments near USA borders are thriving from seizing property, including cash. They are motivated to bring in the cash for funding new equipment purchases and interdepartmental task forces.

Here is a quote:



"In civil forfeiture, the government seizes the property — in this case, the currency — without ever charging the person with a crime. The government must show by a preponderance of the evidence that the money is dirty; then it's up to the owner to prove that his cash is clean. To defend the money requires hiring a lawyer, who often charges more than the amount of the seized cash."

I am not anti-police nor anti-government, however, I see this arrangement as highly problematic when traveling or purchasing cars out of area.


URL #1: http://www.npr.org/templates/story/story.php?storyId=91490480

Bill, ,      Age: 55

I doubt that you will have any problem in Oregon.

#4370 06/15/08 Public Records from Apt Rental
Greg, no matter what name you rent under, if you get a landline phone from the local phone company (or the kind of digital phone that uses a wall jack) and don't make sure you tell them you want the phone number BOTH unlisted and nonpublished, it will be published in the local white pages under the name on the account. In fact, getting any kind utilities under a pseudonym rather than an LLC may put that name in databases associated with the physical address where the utility service is provided. You may want to check to see if the landlord has given the name of new tenants to anyone but I doubt that.



That's why it's best to rent under one pseudonym and put utilities in the name of an LLC and have mail sent to the LLC (to another pseudonym, if the utility requires a "contact person") to a ghost mailing address. Return any mail they send to your street address as undeliverable. As long as you pay your bill on time (if you haven't taken the step of giving a large deposit and prepaying your account regularly), they should [not] care where your mail goes. But to keep a physical address associated with a pseudonym you use to receive mail out of databases, you'll have to rent under one pseudonym and receive mail under another and NEVER associate the two. (In other words, don't have mail sent to your rental pseudonym at your CMRA; receive deliveries to your physical address in your rental pseudonym or, better yet, in an entirely different one so any mail a retailer tries to send to that pseudonym at your physical address can be legitimately returned "no such addressee".) That's what I do and it works very well.

By using a combination of pseudonyms and LLCs, I've managed to keep myself fairly invisible but I take nothing for granted and am very careful not to become so confident or complacent I begin to make mistakes. That's always a possibility when you've been doing this long enough. Don't fall into that trap and you'll be fine.

Wendy, ,      Age: 44


#4369 06/13/08 RE 4368 Tailgate Position
Actually, pick-up drivers have less aerodynamic drag with the tailgate up. Although it is claimed to be an insignificant difference, it is structurally safer to have the tailgate in the upright position.
URL #1: http://www.cartalk.com/content/columns/Archive/1997/October/05.html

Sidney, ,      Age: 53
Well! I have been misformed for over 60 years! To quote Ray:

"And as your flight attendant might say, please return your tailgate to the upright and locked position."


#4368 06/13/08 Lisense Plates
Just a simple idea, If you're driving a Pickup Truck.

With today's gas prices, any improvement in aerodynamics is a reasonable excuse for keep your tailgate down, thus preventing anyone from easily reading your lisense plates.





Mason, ,      Age: 37

#4367 06/13/08 public records from Apt. rental
Does anyone know any specifics about how one's Apartment address would end up in the public records?

For example, say I rent an apartment with the name "J. Doe." As I go about my business, the only address I ever give out is a CMRA (say a UPS Store address).

Will the J. Doe Apartment address end up in the White Pages? If so, how exactly did it get into the white pages?

greg, ,      Age: 25

#4366 06/13/08 Club-Stopping?
Here's a sure way to torpedo the nightlife in a city, and a completely gratuitous way to try to assign accountability to businesses for an individual's bad behavior. If a city is concerned that business establishments are creating problems in a neighborhood, I suspect they have other ways of dealing with this, such as through the business permitting process or the Alcoholic Beverage Licensing process, rather than essentially spying on its citizens via these handstamps. One more reason to stay at home with your friends and watch Netflix - rented under your alternate name and set to you via your ghost address, of course!!
URL #1: http://www.examiner.com/a-1439427~Stamps_could_mark_the_nightspot.html

Linda, ,      Age: San Francisco CA

#4364 06/13/08 Targets of Spying Get Smart
An interesting read...
URL #1: http://online.wsj.com/public/article_print/SB121314159777262545.html

Sean, ,      Age: 41
Very interesting indeed!

#4363 06/13/08 Transit Tracking via Anonymous cards and Cameras
JJ, This article, which discusses the merits of why the police and transit workers track people (in this case it was an attempted kidnapping) brings about some interesting thoughts with mass transit. In particular, that if you stand out or offend the wrong person, you could be quickly tracked through the use of an anonymous rail card. Although this is nothing new, what is interesting, is how the use of surveillance cameras and facial recognition software allow the transit workers to find previous occasions and times of a route to know when to be at a certain location so that they can detain a suspect or person of interest. I was advised that the NYC transit system already automates this and they routinely run facial recognition for suspects of crimes from scanned images from the NYPD.
URL #1: http://blog.wired.com/cars/2008/05/is-big-brother.html

Michael, ,      Age: 37

#4360 06/11/08 4350 Dave: Auto Dealers
My uncle recently bought a new Lincoln,titling it in the name of a Florida based trust,paid with a cashier's check from a large local bank,with a cover letter from the branch manager,verifying the authenticity of the check. He had the car delivered to a local address, without plates. Since the car didn't have plates, the issues of getting a driver's license number,name, and auto insurance were avoided. We didn't show them any I.D. or driver's license. We didn't give them any social security number. The sales person at the dealership was cooperative ,as it was made crystal clear the deal would fall through if our terms were not met. We also bought the new car right off their lot. Let me know if anyone else has tried this method.

Anthony, ,      Age: 34

#4359 06/11/08 Wedding Photography
Mr. Luna,

I see from your book that you used to be a wedding photographer. Do you have any advice for someone who wants to break into the field? I think I already have a unique niche. How to approach getting the first few clients to build a wedding portfolio is my concern. Thanks.

Bruce, ,      Age: 29
Do the first two or three jobs free in return for letters of recommendation.

#4358 06/11/08 Rx Drug


Here's another reason to bypass the US health insurance complex and obtain prescription meds via Mexico or Canada.

I rely upon a certain prescription med (and unfortunately will most likely rely on this med for the remainder of my years), which I obtain via Kaiser Permanente's health plan. Under this plan, the insured has the option to obtain meds in person at the pharmacy (30-day supply of a generic for 1 copay), or by mail through an automated phone system (100-day supply of a generic for 2 copays).

The last prescription cycle, I forgot to fill my scrip via mail in time, and ended up running out. The day I ran out, I went into the pharmacy in person and picked up a 30-day supply. Right before the end of this 30-day supply, I fortunately remembered to call to obtain the scrip via mail (100-day supply).

When the scrip arrived, I was charged 2 copays for what ammounted to a 36-day supply (!?) of meds. I called the pharmacy, and they tried to explain that this was "the balance" of my scrip. Apparently, although it's not referenced in the plan materials (which I had up on my computer screen while talking to the pharmacy), by filling the scrip in person, the 30-day supply is deducted from the balance for that scrip cycle. This would have made some sense if the mail order had provided me with a 70-day supply (100 minus 30), but not since I received a 36-day supply (!?). The mail order pharmacist also asked me if I knew that I could obtain a 100-day supply in person. Of course I was not aware of this, since this is not referenced in the plan materials, nor was I informed of this when I picked up the last scrip. (And believe me, I look for these things, as the mail order requires the use of a credit card, and of course picking up the scrip in person would be my prefered method since I could pay cash!)

Since all the mail order meds come in similar sized bottles whether your 100 day supply is 10 pills or 100, I suspect that many Kaiser Permanente Plan members who are victims of this scam either don't notice or don't bother to follow up, so Kaiser gets away with this (and lots of plan member's money).

I suspect that Kaiser is not the only health insurance provider who pulls these kind of scams.

The pharmacist "generously" offered to send an email (hope it's secure!) to my doctor requesting that the mail order quantity be restored to the 100 day supply for this order "at no additional charge". I have to call back in a few days to see if this was approved. Gee, thanks Kaiser Permanente!

Jane, ,      Age: 46

#4357 06/11/08 Assured destruction of hard drives
These fellows wanted to really make sure their old data was unrecoverable...so they melted the hard drive. They did the whole thing but I think it would be sufficient to take out the platters (round discs inside) and shred or melt them.
URL #1: http://driveslag.eecue.com/

Zach, ,      Age: 24

#4356 06/11/08 one time use emails
This might be useful for both one time emails and receive only emails.
URL #1: http://www.mailinator.com

Sebastian, ,      Age: 58

#4355 06/10/08 Canadian Drugs (John #4347)
The headline at the link below answers your question.
URL #1: http://www.sfgate.com/cgi-bin/article.cgi?file=/c/a/2006/10/04/MNGF3LHULA1.DTL

Sean, ,      Age: 41
First paragraph:

"The federal government plans to halt a controversial crackdown on discount drugs mailed from Canadian pharmacies to U.S. customers, removing a significant hurdle to Americans buying cheaper medications from abroad."


#4354 06/10/08 Going paperless
We are considering getting an "Abbyy Fine Reader" for our CPA practice in our move toward having a paperless practice.

It's a software that uses your camera to snap photos and then converts them ("effortlessly") into a PDF. Sounds like a dream come true. (And not a little James Bond-ish too.)

Anyone use this? And of course, privacy is our biggest consideration since we're dealing with client info.

Any comments/considerations on this or similar software would be appreciated.

Thanks!
URL #1: http://www.abbyyusa.com

Theresa, ,      Age: 43

#4353 06/10/08 Ebay and Big Brother
This is the latest in loss of privacy. From eBay:

"We would like to tell you about a new security initiative. To help protect the Community against fraudulent access to our members’ accounts, eBay has started noting which computers members typically use to conduct their buying and selling activity.

Sometime this summer, eBay will begin checking to ensure you are logging in from the same machine you have successfully used previously, whether it is a home or business computer. If you attempt to list an item from a different computer – for example, from a PC you are borrowing in a hotel or library – eBay will ask you to confirm your identity.

The best way to confirm your identity is to choose an automated phone call – either now, or in 2 minutes -- that eBay will make to the number you have registered with us. The phone call will provide you with a PIN number to use to complete the confirmation process. This allows the system to confirm it is really you logging in to list items.

If this is not possible, we will provide alternatives such as confirming through Live Chat or receiving a call to a new number. These alternate methods will require you to provide more information (such as your secret question answer).

Most sellers will need to confirm their identity infrequently. By making sure you have a current phone number and a secret question and answer on file with eBay, you can help ensure this authentication process goes quickly and smoothly.

Have a cell phone? Registering it could save you time
If you carry a mobile phone, we encourage you to add this number as a secondary phone number in your registration details, so that we can reach you when you are away from your business or residence where you normally use your trusted computer. Your secondary number will not be shared with other members and will be treated in accordance with our Privacy Policy.
eBay Trust and Safety Department"

Jane, ,      Age: 36


#4352 06/09/08 Canadian and Mexican Pharmacies
Jack,

I had to take psychopharmacology in grad school along with the legal aspects to our north and south. I will check the current law... It WAS that you could purchase 3 months supply of ANY medication you have a prescription for and mail or cross the border with it. I have never heard of someone being harassed for crossing the border with say a one month supply of a med they do not have a script for.



Providing the law is the same today, here is a way to stay within the "3 month" guideline (Mexico as an example):



Fly in to a bordering US airport. Cross over for the day and buy your 3 month supply to bring back with you across the border to be taken home in your baggage. Technically you could mail to a friend, CMRA, etc. additional 3 month supplies. (3 mailings home + what you are taking home would be a year supply). This would make a yearly trip worthwhile considering the savings in Mexico. Even with some insurances, this is cheaper than the co-pays in the states!

Mark, ,      Age: 35


#4351 06/09/08 Re: Rural Blues Brian 4348
[Edited for length] Since it seems it would be difficult for your to "disappear" at the moment, you might start by implementing some of the financial privacy strategies related to HTBI, such as establishing an out of town/out of area banking relationship, paying cash or using untracable gift cards for all purchases, renting videos out of town or from Netflix under an alternate name, maybe even shopping non-locally, etc.



Depending on how local your utility providers (including cell phone) are, you may be able to transition these to an alternate or LLC name.



As you start to arrange new banking and utility relationships, you could transition slowly to using an out of town/out of area CMRA or PO box, or to a ghost address for mailings.

Although it's hard to do because they are so prevalant, you could also begin working to get your name out of as many databases (Intelius, Peoplefinders, etc) as possible and organize your affairs so that you don't end up in new data bases (i.e. watch those magazine or sweepstakes subscriptions, grocery store rewards cards, catalog shopping, etc). There is a good list of databases which allow you to "opt out" at www.privacyrights.org. There is also a website for opting out of catalogs at www.catalogchoice.org. It takes some persistance, but it can be done.



Linda, ,      Age: 36


#4350 06/09/08 comment on auto dealerships
With the purchase of the latest model ('07) car, was able to use my 'new' ghost address.
How shocked I was to find the dealer sold my address to (seemingly) every credit firm (like I need credit!) and coughed it up to other firms- which hawk high end gadgets. As this is the only mail that goes to this legitimate
residential drop, the volume then gave the local post office the green light to dump all the weekly junk mail in the receptacle.
What a headache. I only expect twice annual vehicle insurance renewals and annual tag renewals. Now receive 6-10 weekly unwanteds. Can live with this but were it not for a second rate title person, there would be no mailing list, wasted resources and me being hot under the collar!

Dave, ,      Age: 53
I wonder if you could get back at the dealer for this, and/or write a "letter to the editor" of your local newspaper.


As readers know, I advocate never buying a new car from a dealer, since "nearly-new" cars can be found on craigslist and elsewhere for much less money and with much more privacy.

Nevertheless, if buying from a dealer is something some of you feel to be necessary, Dave's experiment will give you a heads up. I suggest you insist the dealer sign a form that he will never, ever, sell, rent, lend, or give away your mailing address!


#4349 06/09/08 automobile registration renewal
New car purchase, cash, from dealer had some rough points. Got through it. Now, a year later, it is renewal time.
Showing the form the state sent to a title person, different business, the comment was, "I've never seen a form, in 22 years, which asks for so much. Its as if they don't know who owns the car!"
Info asked: Owner FL DL#; FL insurance company; ins co 5 digit #; isurance policy # and, lastly, signature of vehicle owner. This defeats purpose of my intent!

Dave, ,      Age: 53
If the car was titled in an LLC, that part should not change, as to the registration, right?

#4348 06/08/08 Rural Blues
JJ..Just finished HTBI ..great!..I would like to implement your plan, short of moving at this time. I have a problem I am sure others have..I have lived in the same rural area all of my life, am a "known commodity" and had a high profile career. My family is known by everyone for 3 generations, and I know about everyone for 100 miles in every direction. Any change in my mail habits, lack of deliveries by UPS, etc..would attract attention..people in small towns love to talk.! Can you provide any extra tips or suggest the first and best place to start for someone in my situation? I would like to move soon, but not for at least a year...Any thoughts appreciated.

Brian, ,      Age: 52
Since you do not plan to move at this time, my only suggestion is to stay out trouble!

#4347 06/08/08 Canadian Pharmacies
JJ,
Do you have any knowledge or experience buying prescriptions across the border in Canada? Supposedly its much cheaper for meds than in the U.S. and some companies actually run "tour" trips so seniors can get there meds at a much lower cost. I'm just curious because our plans are to move to a state that borders Canada within the next several years and I want to determine the best deals on healthcare, meds, etc as we may be living off on salary for awhile until we get settled in the selected small town.

John , ,      Age: 39
You can sometimes check the prices at Canadian pharmacies (via the internet), and make your own decision. Some items are a lot cheaper but others, not so much. What I do NOT know is what happens at U.S. customs, when you declare hundreds of dollars worth of medicines. Perhaps some readers can help with this.

#4345 06/08/08 Never talk to the police
In the link, a law professor talks about how you should never talk to the police. It can never help you, even if you are innocent and honest.




URL #1: http://video.google.com/videoplay?docid=-4097602514885833865&hl=en

Mark, ,      Age: 35
Thanks for the link, Mark. I took time out from a busy schedule to watch not only the video of the professor, but also that of the cop who followed, on the same program.



Very entertaining! However, remember, he is talking to group of law students who plan to become defense attorneys.

If you even remotely suspect you are in trouble, then the advice to take the fifth is correct. Otherwise, in a normal traffic stop, do tell the officer your real name, date of birth, and address. This is discussed in another video, located on the same website.


#4343 06/08/08 car maintenance
My car is titled and registered in an LLC with a PO Box address. It needs some routine maintenance. When I call up the dealership to schedule the maintenance, how should I identify myself? by the LLC name? by my real name? The problem is that on some occasions, the dealership provides me with a rental car while repairs are made. I must make use of the rental car (free) to go to work. A necessity of rental car use is the dealership-maintenance guy photocopying my driver's license and insurance proof; hence, my real name is revealed.

My primary inquiry is whether the dealership will add a database entry tying my name to the LLC Title on the car. No way around this? is there a trick I'm missing?

greg, ,      Age: 25

#4342 06/08/08 utility with PO box
In my personal experience with two utilities (electric and internet) in a real name, but mailing address directed to a PO box, BOTH addresses appear on the billing statements. The bill comes addressed to the PO box, but there is a spot on both bills for the "service address" which reflects the actual home street address. That street address has no mailbox out front, so certified mail sent to the street address would be returned as undeliverable, but it would still lead directly to my front door. Since we're not in a position to move, that level of privacy has proven sufficient for our needs but is admittedly not complete.

The propane company's bill is delivered the same way. Mailing address = PO box, but delivery address = actual home address.

However, the garbage collection company appears to be clueless on how to deliver bills to a different address than the one from whence they retrieve trash... I have to call them every few months to get the balance due and mail it in to them, since I never receive statements from them. My clue that it might be time to pay the bill again is when the garbage isn't picked up one week... Oops!

Susan, ,      Age: 39
From a PI friend:

"I get the address of service from utility searches. I'm looking for the person's location, not their box.
I'll get the alternate information in the same conversation, the contact numbers at home and work and verification of DOB or SSN - what ever they have on the Subject.

Process servers like to look people in the eyes when they serve them. You can serve people by mail but looking them in the eye, saying their name and seeing the confimation in thier eyes if not from their mouths makes people who look for people feel more confident.

When I sell this stuff to butny hunters they don't want someone's P.O. Box or drop box address. They want to know where they can lay hands on the guy."


#4341 06/08/08 Internet Surveillance
Wow! A must read article, and some excerpts:

"Since May 2007, all Internet providers have been required to install gear for easy wiretapping under the Communications Assistance for Law Enforcement Act."

and

"Noah Shachtman, who covers the subject like a rug at his Wired Magazine Danger Room blog, recently noted that Comcast, the country's second-largest Internet provider, "has just advertised for an engineer to handle 'reconnaissance' and 'analysis' of 'subscriber intelligence' for the company's 'National Security Operations'" – that is, for the U.S. government. ("Day-to-day tasks, the company says in an online job listing, will include 'deploy[ing], installing] and remov[ing] strategic and tactical data intercept equipment on a nationwide basis to meet Comcast and Government lawful intercept needs.'") "
URL #1: http://www.lewrockwell.com/engelhardt/engelhardt339.html

Mark, ,      Age: 32

#4339 06/08/08 utility search by P.I.
Here's my question:

Say I arranged to receive utilities at my residence under the name Greg Swick, and when I signed up for utilities I gave two addresses: the physical address of the residence (place of service) and a PO Box for any mailings. If a PI does a utility records search, which address will be listed with the name Greg Swick?

--Physical Address (place of service)
--PO Box (mailing address)
--both addresses

Greg, ,      Age: 25
I can't answer for all PIs, or for all utility companies, because they differ. However, I suspect the usual listing is the street address.

#4338 06/08/08 Canadian Check Points
I am considering a trip to Canada to open a bank account. Are there smaller check points to cross into Canada from NY, VT, etc?

Barbara, ,      Age: 63
Any road map shold show all the crossings. Look for the two crossed flags symbol.

#4334 06/07/08 Real Estate Transfer
I am closing on a property that I am selling next month. If deposit the check in an out of state bank...is that as secure as using an attorney trust account and then deposit in the out of state bank?

Pam, ,      Age: 52
Are you referring to the check you RECEIVE, from the title company? If so, I don't see why not.

#4332 06/07/08
I get an e-mail newsletter from Gary North, but no access to the good articles because I am not a member. He talks about getting to stay in a repossessed home for $1 a month. Does that make sense to anyone?
URL #1: http://www.garynorth.com:80/public/3597.cfm

Alan, ,      Age: 39
It does to me, providing you refer to an area with many home foreclosures. If a home stands vacant, it will be subject to vandalism.

However, if it were me, I would offer the bank a modest rent such as $500 a month, in return for a one-year lease. I would also offer some gold-plated references.

If any of you readers have access to North's complete article ("members only"), you may wish to add a comment about this idea.


#4331 06/06/08 Neighbors
When I was in law enforcement and looking for people, there were a number of fairly simple techniques we used to get a neighbor to tell us who lived next door or across the street. Of course, I drove an unmarked car and didn't always look quite like law enforcement. If your neighbor knows your real name they will probably reveal it under certain circumstances.

Sam, ,      Age: 62

#4330 06/06/08 To Pam 4329 Re Neighbors
For the ultimate in privacy, you could use an alternate name when making friends in your new community and/or introducing yourself to your new neighbors. Of course, you'll want to pick a fairly common name and one you'll remember to answer to and use in the presence of others!! If possible, obtain your new phone service in this alternate name, or at the very least, obtain an unlisted number so anyone doing a reverse phone search won't stumble upon your real name. When you obtain mail service, have your official mail sent and/or forwarded to a CMRA or P.O. Box from the get go, and receive mail at your new residence ONLY in your alternate name. Subscribe to a magazine or two using the alternate name to start things off and to get the mailman used to associating your alternate name with your address.



I have chosen to do this, and so far, it's worked out quite well. The transition was pretty easy, since I live in an apartment building and neighborhood where folks very much keep to themselves, and there is a fairly high turnover. My oldest gal-pals, of course, know my real name, but as we've all started embracing the HTBI lifestyle after reading Mr. Luna's book, we're all hip to this strategy of using alternate names.



Also, I have NEVER mixed work life or work friends (where they only know my real name) with my home life and home friends. A valuable lesson I learned early on in my working life is that it's best "not to fish off the company pier", so to speak.



All of your official affairs (banking, etc) in your new community will be in your legal name, but how many times do you have friends or neighbors within ear-shot when conducting personal or sensitive business? Unless you move to a small town, it's pretty unlikely that you'll run into your banker, librarian, or the DMV clerk at the grocery store, gas station, or PTA meeting!



Best of luck!

Linda, ,      Age: 36


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