#901
10/30/06
living trusts
Paul said that living trusts are usually recommended for the potential tax savings. I am not aware of any tax savings from having a living trust, please explain the tax savings. Thanks.
James, , Age: 56
Paul said that living trusts are usually recommended for the potential tax savings. I am not aware of any tax savings from having a living trust, please explain the tax savings. Thanks.
James, , Age: 56
I noticed that point too, and wondered what he had in mind ...
#900
10/30/06
RFID chips
I thought you might like this article about RFID passport chips:
URL #1: http://www.engadget.com/2006/10/28/your-secrets-not-so-safe-with-rfid-enabled-passports/
Rich, , Age: 35
I thought you might like this article about RFID passport chips:
URL #1: http://www.engadget.com/2006/10/28/your-secrets-not-so-safe-with-rfid-enabled-passports/
Rich, , Age: 35
#899
10/29/06
credit card with no name
I am a canadian but I want to buy something on priceline.com. I need a credit card with a US billing address.
mike, , Age: 45
I am a canadian but I want to buy something on priceline.com. I need a credit card with a US billing address.
mike, , Age: 45
#898
10/29/06
amazon HTBI comments
I just wanted to let you know that I posted an Amazon review and a comment in response to Mr. Junge's review.
I think your readers have effectively pushed that review far enough down the page that readers will be able to give it the appropriate weight.
Gilbert NMRN, , Age: 30's
I just wanted to let you know that I posted an Amazon review and a comment in response to Mr. Junge's review.
I think your readers have effectively pushed that review far enough down the page that readers will be able to give it the appropriate weight.
Gilbert NMRN, , Age: 30's
Thanks to all of you who added posts. No more needed.
#896
10/29/06
Estates, wills, and your name
For Larry, SFO: Having manged estates in my family that involved probate court (everything out in public) and did not (no public documents except records of real estate sales, and the death certificate), in my opinion a carefully-documented living trust can be extremely healpful. Living trusts are usually recommended for the potential tax savings (which can be very important), but they also offer your heirs/trustees great freedom in how they handle your estate. Many times I've gone to a bank, real estate agent, stock broker, and been told, "We'll have to see your probate court order," and enjoyed telling the clerk "No court order, this estate is not being probated. Here are the trust documents..."
On the other hand, just try to get a quick response on some action from probate court. In one state I know of, the next opening on the calendar is about 10 weeks out.
With a living trust, you still have to work the system a little to gain the best privacy advantages, but it is possible to do. Not so in probate court.
It is essential to find a good attorney when you create a living trust. Read a couple of the books on living trusts from Nolo Press or whatever is in your public library, and then you will have some good questions to ask a prospective attorney (Avoid those offering free seminars). My experience was three incompetents to one expert.
Paul, , Age: 51
For Larry, SFO: Having manged estates in my family that involved probate court (everything out in public) and did not (no public documents except records of real estate sales, and the death certificate), in my opinion a carefully-documented living trust can be extremely healpful. Living trusts are usually recommended for the potential tax savings (which can be very important), but they also offer your heirs/trustees great freedom in how they handle your estate. Many times I've gone to a bank, real estate agent, stock broker, and been told, "We'll have to see your probate court order," and enjoyed telling the clerk "No court order, this estate is not being probated. Here are the trust documents..."
On the other hand, just try to get a quick response on some action from probate court. In one state I know of, the next opening on the calendar is about 10 weeks out.
With a living trust, you still have to work the system a little to gain the best privacy advantages, but it is possible to do. Not so in probate court.
It is essential to find a good attorney when you create a living trust. Read a couple of the books on living trusts from Nolo Press or whatever is in your public library, and then you will have some good questions to ask a prospective attorney (Avoid those offering free seminars). My experience was three incompetents to one expert.
Paul, , Age: 51
I agree with all of the above, Paul.
#895
10/28/06
Disinformation
"[I]f some other readers haved been able to pull off a disinformation campaign, I'd appreciate hearing from them."
For phone and electric bills, in addition to any change in mailing address you might try asking the companies to correct "misspellings" of your name.
David, , Age: 45
"[I]f some other readers haved been able to pull off a disinformation campaign, I'd appreciate hearing from them."
For phone and electric bills, in addition to any change in mailing address you might try asking the companies to correct "misspellings" of your name.
David, , Age: 45
#894
10/28/06
Are you an heir to an estate?
Now, here is a tacky business. I got a letter from Accelerated Inheritance, LLC in Torrance, CA. Somehow they are notified when Wills are filed for probate. They offer an advance on your inheritance. If your home-address is in the Will, consider it compromised in two ways: 1) it becomes a public record with the filing and 2) it gets put on a mailing list.
Larry, , Age: 51
Now, here is a tacky business. I got a letter from Accelerated Inheritance, LLC in Torrance, CA. Somehow they are notified when Wills are filed for probate. They offer an advance on your inheritance. If your home-address is in the Will, consider it compromised in two ways: 1) it becomes a public record with the filing and 2) it gets put on a mailing list.
Larry, , Age: 51
#889
10/28/06
Names
Site to see how many people in the US have your same name. Makes finding you more confusing?
URL #1: http://ww2.howmanyofme.com/
Dean, , Age: 51
Site to see how many people in the US have your same name. Makes finding you more confusing?
URL #1: http://ww2.howmanyofme.com/
Dean, , Age: 51
#888
10/28/06
Traveling in Campers
Essentially living in a motor home sounds great, but using a full-size truck to pull a camper seems like a bad idea to me.
Truck drivers give up many rights while in their rigs, privacy included. Drivers keep logs of every day, and trucks are monitored much more so than automobiles. Even if you are able to register the rig as a motor home, you will have a hard time flying under the radar.
The only Class 7 or 8 truck in a campground is going to stick out like a sore thumb, and there are many restrictions on trucks. For instance, in my town, a city ordnance forbids driving a truck onto WalMart's parking lot unless you are making a delivery. Calling it a motor home probably won't get you out of a ticket.
Also, it's a crime to skip truck weigh stations, and the trooper that sees you pass it by, jumps into his car and chases you down is probably going to be in a less-than pleasant mood, and might decide a search is necessary.
As a former truck driver, I like the idea of a Freightliner-pulled camper, but when the time comes, we'll be getting a traditional motor home. (Many are on Freightliner chassis, anyway!)
Steve, , Age: 43
Essentially living in a motor home sounds great, but using a full-size truck to pull a camper seems like a bad idea to me.
Truck drivers give up many rights while in their rigs, privacy included. Drivers keep logs of every day, and trucks are monitored much more so than automobiles. Even if you are able to register the rig as a motor home, you will have a hard time flying under the radar.
The only Class 7 or 8 truck in a campground is going to stick out like a sore thumb, and there are many restrictions on trucks. For instance, in my town, a city ordnance forbids driving a truck onto WalMart's parking lot unless you are making a delivery. Calling it a motor home probably won't get you out of a ticket.
Also, it's a crime to skip truck weigh stations, and the trooper that sees you pass it by, jumps into his car and chases you down is probably going to be in a less-than pleasant mood, and might decide a search is necessary.
As a former truck driver, I like the idea of a Freightliner-pulled camper, but when the time comes, we'll be getting a traditional motor home. (Many are on Freightliner chassis, anyway!)
Steve, , Age: 43
#887
10/27/06
If You Invest Online, You Better Read This!
Hackers Zero In on Online Stock Accounts
URL #1: http://www.washingtonpost.com/wp-dyn/content/article/2006/10/23/AR2006102301257.html
Sammy, , Age: 22
Hackers Zero In on Online Stock Accounts
URL #1: http://www.washingtonpost.com/wp-dyn/content/article/2006/10/23/AR2006102301257.html
Sammy, , Age: 22
#886
10/27/06
Domicle State
Heres some interestinginfo about retired people who travel constantly in campers, and how they handle their vehicle registration & mail.
URL #1: http://mysite.verizon.net/vze1nh79/diyguyrvinfo/id12.html
Stan, , Age: 41
Heres some interestinginfo about retired people who travel constantly in campers, and how they handle their vehicle registration & mail.
URL #1: http://mysite.verizon.net/vze1nh79/diyguyrvinfo/id12.html
Stan, , Age: 41
#883
10/27/06
Stocks
If stock ownership is unavoidable in one's profession, which method should be used to hold them? I was thinking NM LLC and a Canadian brokerage account.
Tom Makowsky, , Age: 34
If stock ownership is unavoidable in one's profession, which method should be used to hold them? I was thinking NM LLC and a Canadian brokerage account.
Tom Makowsky, , Age: 34
Since I have no experience in the stock market, I cannot give you any expert advice. My uneducated guess, however, is that although a Canadian account might be an improvement over a U.S. account, I doubt that you can use an American LLC in Canada without first registering it there. And the registration process there would be a nightmare.
#881
10/26/06
Undeliverable address (2)
OK maybe my last question was not very clear. If you place a new mailbox with others at rural location you will be creating a new address/street number this will not be in the USPS database and will apparently be undeliverable. Perhaps however they will attempt physical delivery and if delivered add the address to the database. I wondered if someone had any more information on the technique and if it is still viable? If someone has done this recently please look up your new address and let us know if it comes up as undeliverable.
Iain, , Age: 45
OK maybe my last question was not very clear. If you place a new mailbox with others at rural location you will be creating a new address/street number this will not be in the USPS database and will apparently be undeliverable. Perhaps however they will attempt physical delivery and if delivered add the address to the database. I wondered if someone had any more information on the technique and if it is still viable? If someone has done this recently please look up your new address and let us know if it comes up as undeliverable.
Iain, , Age: 45
#879
10/26/06
Undeliverable Addresses
I was looking into getting an address at a rural location. When I looked up the zipcode of potential addresses at www.usps.com they came back as undeliverable. I know that some places will not even attempt to send something to such an address.
Are these types of addresses still usable?
Iain, , Age: 45
I was looking into getting an address at a rural location. When I looked up the zipcode of potential addresses at www.usps.com they came back as undeliverable. I know that some places will not even attempt to send something to such an address.
Are these types of addresses still usable?
Iain, , Age: 45
If "undeliverable," why use such an address? I prefer an address where mail can actually be received.
#878
10/26/06
New Mexico LLCs
Do you recommend them for holding and trading publicly traded stocks?
Tom Makowsky, , Age: 34
Do you recommend them for holding and trading publicly traded stocks?
Tom Makowsky, , Age: 34
No. And FYI, I do not invest in stocks at all.
#876
10/26/06
The Book:
Hi,
What happened to your other book "Work From Home At Any Age: A Self-made Millionaire Reveals How You Can Create the Debt-free Business of Your Dreams From Scratch". I read your bestseller "How to be invisible" a year ago, and now was ready to order the other book, but to my surprise it has been pulled out.
Any reason why?
Bill, , Age: 32
Hi,
What happened to your other book "Work From Home At Any Age: A Self-made Millionaire Reveals How You Can Create the Debt-free Business of Your Dreams From Scratch". I read your bestseller "How to be invisible" a year ago, and now was ready to order the other book, but to my surprise it has been pulled out.
Any reason why?
Bill, , Age: 32
I re-wrote--and improved-- the book. The new title is Skip College: Go Into Business for Yourself. Don't be fooled by the words, "Skip College." Focus on "Go Into Business for Yourself." The online edition is for sale on this website at a price that even starving students can afford: $4.95.
#875
10/26/06
wireless security/ spaulding
I have a laptop and an xbox 360 set up for wireless. a technician from geek squad said it was hacked and someone got on my network. the xbox only supports wep security. is it possible to have wpa-2 on my laptop and wep on my 360 at the same time?
mike, , Age: 34
I have a laptop and an xbox 360 set up for wireless. a technician from geek squad said it was hacked and someone got on my network. the xbox only supports wep security. is it possible to have wpa-2 on my laptop and wep on my 360 at the same time?
mike, , Age: 34
My personal recommendation would be to turn off the XBox! However, Michael Spaulding says:
... "I would get two different wireless access points, one running WPA2 and the other Wep.
Unless you go out an buy a $500 Cisco AP, it would be cheaper to get two different ones. While you
are at it, if you can run one on the 2.6Ghz and the other on 5.2Ghz that would also minimize conflicts
with the wireless ap's."
... "I would get two different wireless access points, one running WPA2 and the other Wep.
Unless you go out an buy a $500 Cisco AP, it would be cheaper to get two different ones. While you
are at it, if you can run one on the 2.6Ghz and the other on 5.2Ghz that would also minimize conflicts
with the wireless ap's."
#874
10/25/06
phone cards
[Edited] I recently discovered that Costco phone cards will display the phone number you are dialing from, on the caller I.D. on the receiving end. U.S. Postal calling cards do not . . . Is there another card you would reccomend?
john, , Age: 44
[Edited] I recently discovered that Costco phone cards will display the phone number you are dialing from, on the caller I.D. on the receiving end. U.S. Postal calling cards do not . . . Is there another card you would reccomend?
john, , Age: 44
Phone cards are hit-and-miss. Sometimes the same card will work differently in different parts of the country. (I have had Costco cards that do NOT show the calling number.) The only sure way is to try each card out in the same region where you will be using the card.
#873
10/25/06
RFID-Blocking Wallets
Dirfwear faraday caged apparel provides rfid-blocking wallets and passport casses.
URL #1: http://www.difrwear.com/
Sidney, , Age: 51
Dirfwear faraday caged apparel provides rfid-blocking wallets and passport casses.
URL #1: http://www.difrwear.com/
Sidney, , Age: 51
#872
10/25/06
MISINFORMATION * DISINFORMATION * REFORMATION
The article by Frank m. Ahearn.
found at freebooter.com, escapeartist.com, etc. was from a very in-depth presentation given to a mystery writers convention a year or two ago. It also was linked for a time on mr. Ahearns website. Those links are long gone but Google makes coppies, so most of it can be found at the following link. It goes into greater depth. I thought you might be interested.
URL #1: http://72.14.209.104/search?q=cache:2jlSjV5KoHAJ:mwane.org/crimebake/FrankAhearn.pdf+Frank+M.+Ahearn+how+to+disappear+database&hl=en&gl=us&ct=clnk&cd=1
Sidney, , Age: 51
The article by Frank m. Ahearn.
found at freebooter.com, escapeartist.com, etc. was from a very in-depth presentation given to a mystery writers convention a year or two ago. It also was linked for a time on mr. Ahearns website. Those links are long gone but Google makes coppies, so most of it can be found at the following link. It goes into greater depth. I thought you might be interested.
URL #1: http://72.14.209.104/search?q=cache:2jlSjV5KoHAJ:mwane.org/crimebake/FrankAhearn.pdf+Frank+M.+Ahearn+how+to+disappear+database&hl=en&gl=us&ct=clnk&cd=1
Sidney, , Age: 51
#871
10/25/06
llc bank account
If I register a NM llc. is there some way I can get a bank account without giving a EIN etc. in Hawaii? .
rick, , Age: 51
If I register a NM llc. is there some way I can get a bank account without giving a EIN etc. in Hawaii? .
rick, , Age: 51
No. I therefore do not recommend LLCs for bank accounts.
#869
10/25/06
Email privacy
Question for Mr. Spaulding?
For people who already have a Hotmail email account, Hotmail will sell them a $20 per year service ("Hotmail Plus") which provides, among other dubious "benefits", the ability to access their Hotmail account through their Microsoft Outlook email account. Assuming a person purchases this privilege, do you think it would be possible for Microsoft to gain access to personal information about the user through the Outlook account which is in fact, set up through their ISP? Thanks.
Patrick, , Age: 24
Question for Mr. Spaulding?
For people who already have a Hotmail email account, Hotmail will sell them a $20 per year service ("Hotmail Plus") which provides, among other dubious "benefits", the ability to access their Hotmail account through their Microsoft Outlook email account. Assuming a person purchases this privilege, do you think it would be possible for Microsoft to gain access to personal information about the user through the Outlook account which is in fact, set up through their ISP? Thanks.
Patrick, , Age: 24
"Theoretically, Yes. Do I think they would get direct information, No. They would probably use it
to glean marketing information; you like to surf butterfly sites at 2AM, etc. Normally, they
aggregate the data, but as more emphasis is placed on marketing, they could very well get highly
quantitative data on the habits of the user." -- MS
to glean marketing information; you like to surf butterfly sites at 2AM, etc. Normally, they
aggregate the data, but as more emphasis is placed on marketing, they could very well get highly
quantitative data on the habits of the user." -- MS
#868
10/25/06
Medical Information
I recently had to use the emergency room at my local hospital. In order to be treated, the hospital registration desk insisted on having my social security number, birth date, and wanted a photocopy of my driver's license (no passport allowed). Following HTBI, I asked why they needed such information. They responded "We've never been asked that... our computer screen won't move ahead without it. We can't process you." I then considered giving false info, such as an SSN with the fourth and fifth digits being zeros. But, worried that the system might cross check with my medical insurer (who has my correct info), creating a further problem, I told the truth. Was I intimidated too easily?
Alan, , Age: 31
I recently had to use the emergency room at my local hospital. In order to be treated, the hospital registration desk insisted on having my social security number, birth date, and wanted a photocopy of my driver's license (no passport allowed). Following HTBI, I asked why they needed such information. They responded "We've never been asked that... our computer screen won't move ahead without it. We can't process you." I then considered giving false info, such as an SSN with the fourth and fifth digits being zeros. But, worried that the system might cross check with my medical insurer (who has my correct info), creating a further problem, I told the truth. Was I intimidated too easily?
Alan, , Age: 31
Since you have a medical insurer and assuming you do want coverage, you need to furnish the SSN. Just don't give anyone your true home address.
#867
10/25/06
Lessons from a Secretive Billionaire
I am always amazed at corporate execs who find themseleves in trouble because of over detailed emails they write-- that others can later look at. Perhaps there is a lesson to be learned by the methods of this secretive billionaire.
URL #1: http://www.kellerkomments.com/2006/09/how-to-operate-like-billionaire.html
Alan G., , Age: 40
I am always amazed at corporate execs who find themseleves in trouble because of over detailed emails they write-- that others can later look at. Perhaps there is a lesson to be learned by the methods of this secretive billionaire.
URL #1: http://www.kellerkomments.com/2006/09/how-to-operate-like-billionaire.html
Alan G., , Age: 40
#866
10/25/06
RFID Wallets
I found this website that tells how to build an RFID blocking wallet for any card that carries an RFID type chip in it. If you are concerned about your passport you could make one that could ease your worries I believe.
URL #1: http://www.i-hacked.com/content/view/208/48/
Hugh, , Age: 51
I found this website that tells how to build an RFID blocking wallet for any card that carries an RFID type chip in it. If you are concerned about your passport you could make one that could ease your worries I believe.
URL #1: http://www.i-hacked.com/content/view/208/48/
Hugh, , Age: 51
#865
10/25/06
DMV
[Edited] I recently lost my wallet. After handling ny credit and debit cards promptly. I went to DMV and they asked for my SS# and 2 thumbprints. I balked and gave in to their insistence. Of course, now I feel pretty dirty (and stupid). I did use a nominee address.
What should I have done differently?
Joseph, , Age: 53
[Edited] I recently lost my wallet. After handling ny credit and debit cards promptly. I went to DMV and they asked for my SS# and 2 thumbprints. I balked and gave in to their insistence. Of course, now I feel pretty dirty (and stupid). I did use a nominee address.
What should I have done differently?
Joseph, , Age: 53
Nothing. As long as you didn't give out your true home address, why worry?
#864
10/24/06
Rental Property & LLC
I own rental property in Detroit MI, I was planning on transfering them to an LLC for two reasons, protection and privacy if possible. I have noticed that you are recommending, from other posts, LLC's from Georgia for protection. Why would you recommend that?
Terry, , Age: 36
I own rental property in Detroit MI, I was planning on transfering them to an LLC for two reasons, protection and privacy if possible. I have noticed that you are recommending, from other posts, LLC's from Georgia for protection. Why would you recommend that?
Terry, , Age: 36
Look again. I have NEVER in my life recommended LLCs from Georgia, for use in other states! For privacy, New Mexico stands alone. However,if someone plans to do business with an LLC, such as buying rental properties, that is another matter. In such a case, (since the LLC may someday wish to file a lawsuit), form the LLC in your own state, whichever state that may be.
#863
10/23/06
Passport Signature
Hello,
I recently got my passport as recommended, and I had a question about signing it. I know in one of your books you suggested making up and practicing a non-readable signature, and make it your own. (As in use it all the time)
I have not changed my signature yet but I will if you still think it's a good idea. If I make up a "new" autograph, do you think I should sign my passport with it? (Rather than using my old "readable" one?)
Amy, , Age: 17
Hello,
I recently got my passport as recommended, and I had a question about signing it. I know in one of your books you suggested making up and practicing a non-readable signature, and make it your own. (As in use it all the time)
I have not changed my signature yet but I will if you still think it's a good idea. If I make up a "new" autograph, do you think I should sign my passport with it? (Rather than using my old "readable" one?)
Amy, , Age: 17
I prefer a readable signature for a passport.
#861
10/23/06
change of name
In your web page privacy test you say "If you decide to change your name, you need not bother to file any legal documents." I know you can call yourself anything you want, but what good will it do if you cannot get an ID in that name?
John, , Age: 35
In your web page privacy test you say "If you decide to change your name, you need not bother to file any legal documents." I know you can call yourself anything you want, but what good will it do if you cannot get an ID in that name?
John, , Age: 35
Use your OWN ID, always. But another name can be used for new friends as well as for all in your business dealings.
No requirement--just an idea that works for SOME.
No requirement--just an idea that works for SOME.
#860
10/23/06
RFID
Does anyone know if you can disable or destroy the RFID in the new passports without voiding the passport?
Is there something that can find hidden RFID chips?
Is there a way to destroy RFID chips without damaging the item to which they are attached?
John, , Age: 35
Does anyone know if you can disable or destroy the RFID in the new passports without voiding the passport?
Is there something that can find hidden RFID chips?
Is there a way to destroy RFID chips without damaging the item to which they are attached?
John, , Age: 35
I am totally against destroying RFID chips in passports. Why call attention to yourself that way? If you must, wrap the passport in tinfoil but make sure not to do this when going through an airport.
#859
10/23/06
disguising apartment rental
Edited for length] Ignoring other rental options (e.g., private lessor), is there an effective way to rent an apartment (or condo) through some kind of entity? So "your name" is not the rentor?
Brian, , Age: 20
Edited for length] Ignoring other rental options (e.g., private lessor), is there an effective way to rent an apartment (or condo) through some kind of entity? So "your name" is not the rentor?
Brian, , Age: 20
Not that I know of, unless you use a nominee.
#858
10/23/06
Georgia LLC
Why is a Georgia LLC better for owning Real Estate to protect it from litigation rather than a NM LLC?
Debbie, , Age: 47
Why is a Georgia LLC better for owning Real Estate to protect it from litigation rather than a NM LLC?
Debbie, , Age: 47
Because NM does not require privacy-destroying annual reports.
#855
10/22/06
Using LLCs for business
Is it OK to use a NM LLC to hold rental property? Can I keep my name off a bank account if I use an LLC?
John, , Age: 29
Is it OK to use a NM LLC to hold rental property? Can I keep my name off a bank account if I use an LLC?
John, , Age: 29
Rental property: You may end up in litigation some day and if so, you need an LLC registered in Georgia. Therefore, you may as well form a Georgia LLC to begin with.
... Bank account.I see no advantage in opening a bank account with an LLC, and therefore never recommend it. If you sign the checks, you will have to furnish both your name and your SSN anyway, so what have you gained?
... Bank account.I see no advantage in opening a bank account with an LLC, and therefore never recommend it. If you sign the checks, you will have to furnish both your name and your SSN anyway, so what have you gained?
#854
10/22/06
Jessica's Car Insurance
The specific kind of insurance you want is called "Broadform Named Operator Insurance".
Doug, , Age: 28
The specific kind of insurance you want is called "Broadform Named Operator Insurance".
Doug, , Age: 28
#852
10/22/06
Fingerprints at Pubs in UK
The U.K. government is is funding the roll out of fingerprint security at the doors of pubs and clubs in major English cities.
In short, many cities are requiring their pubs (bars) fingerprint customers and keep a blacklist of problem drinkers. Just how much is a beer worth?
URL #1: http://www.theregister.co.uk/2006/10/20/pub_fingerprints/
Charles, , Age: 38
The U.K. government is is funding the roll out of fingerprint security at the doors of pubs and clubs in major English cities.
In short, many cities are requiring their pubs (bars) fingerprint customers and keep a blacklist of problem drinkers. Just how much is a beer worth?
URL #1: http://www.theregister.co.uk/2006/10/20/pub_fingerprints/
Charles, , Age: 38
#851
10/21/06
re: Jason 35 CO camouflaging personal info
Here's what a profesional skip tracer has to say about creating misinformation. The article is slanted towards the PT crowd and a little dated. Technology has also marched on so I'd consider this an outline not a how-to.
URL #1: http://freebooter.com/articles/privacy-article-2.asp
Richard, , Age: 39
Here's what a profesional skip tracer has to say about creating misinformation. The article is slanted towards the PT crowd and a little dated. Technology has also marched on so I'd consider this an outline not a how-to.
URL #1: http://freebooter.com/articles/privacy-article-2.asp
Richard, , Age: 39
Thanks for sending that along, Richard. There are some good ideas in the article as well as some excellent reminders.
#847
10/20/06
Name change
Debbie in Key West said, "I am wanting to get invisible & have contemplated using my deceased husbands last name. I would have to request my marriage certificate from NV to do this."
Nonsense. You can change your name to anything you want without anyone's permission. It's a simple court filing. Besides, you'd probably want to choose a name you have absolutely no ties to, not one that could be found on an old marriage certificate!
Mike, , Age: 46
Debbie in Key West said, "I am wanting to get invisible & have contemplated using my deceased husbands last name. I would have to request my marriage certificate from NV to do this."
Nonsense. You can change your name to anything you want without anyone's permission. It's a simple court filing. Besides, you'd probably want to choose a name you have absolutely no ties to, not one that could be found on an old marriage certificate!
Mike, , Age: 46
#846
10/20/06
Car Insurance
I wanted to thank your readers for the suggestions regaring my problem procurring auto insurance. I have since discovered that most, if not all, insurance companies have measures for domestic violence victims that implement privacy procedures. If the agent contacted does not know about these procedures, one should ask the supervisor. More corporations need to follow suit with such policies. This information may be helpful for your work concerning domestic violence and stalking.
Jessica, , Age: 39
I wanted to thank your readers for the suggestions regaring my problem procurring auto insurance. I have since discovered that most, if not all, insurance companies have measures for domestic violence victims that implement privacy procedures. If the agent contacted does not know about these procedures, one should ask the supervisor. More corporations need to follow suit with such policies. This information may be helpful for your work concerning domestic violence and stalking.
Jessica, , Age: 39
#844
10/20/06
registering a vehicle with LLC and a ghost address
Ok, here is my situation so far: I am getting a New Mexico LLC via the service on your website. This LLC will have my real name and my ghost address in a neighboring state associated with it. I would like to also get the mailing address in Alaska. Now my question is. Can I register my vehicle in the name of the LLC while at the same time giving the Alaska address to the DMV? I'm afraid the DMV clerk's eyeballs will bug out of his head when he sees this and deny my request.
Jason, , Age:
Ok, here is my situation so far: I am getting a New Mexico LLC via the service on your website. This LLC will have my real name and my ghost address in a neighboring state associated with it. I would like to also get the mailing address in Alaska. Now my question is. Can I register my vehicle in the name of the LLC while at the same time giving the Alaska address to the DMV? I'm afraid the DMV clerk's eyeballs will bug out of his head when he sees this and deny my request.
Jason, , Age:
Of course you can use an Alaska address. Explain that the the company is based in Alaska but since the car will be used in Colorado, you are conforming with Colorado law by getting a CO license.
... Dress well, act positive, don't stutter, don't avoid eye contact. BTW, if there is a choice, choose a female clerk. (Women, on the other hand, will do better choosing a male clerk.)
... Dress well, act positive, don't stutter, don't avoid eye contact. BTW, if there is a choice, choose a female clerk. (Women, on the other hand, will do better choosing a male clerk.)
#841
10/20/06
Link.
The link is to a fascinating comparison of privacy attitudes between Europe and the US.
URL #1: http://www.msnbc.msn.com/id/15221111/
Susan, , Age: 41
The link is to a fascinating comparison of privacy attitudes between Europe and the US.
URL #1: http://www.msnbc.msn.com/id/15221111/
Susan, , Age: 41
#840
10/20/06
Banking through a nominee
I checked with a CPA. He said your advice was sound to put it into a new non-interest bearing account in the nominee's name. The CPA did advise to write a letter to the nominee that the money being deposited was for payment of debts. He said the letter would substantiate the money as not being 'gift' income if the IRS investigated. It is totally within the law according to him.
Arthur, , Age: 35
I checked with a CPA. He said your advice was sound to put it into a new non-interest bearing account in the nominee's name. The CPA did advise to write a letter to the nominee that the money being deposited was for payment of debts. He said the letter would substantiate the money as not being 'gift' income if the IRS investigated. It is totally within the law according to him.
Arthur, , Age: 35
You have a good CPA, Arthur. Stick with him.
#838
10/20/06
camouflaging your information
I have found that it is not possible to extricate my personal information from all of the databases that exist to collect data on me(credit bureaus, phone records, etc). So I would like to muddy the waters for anybody trying to harvest information on me by submitting false information about myself and letting this incorrect information circulate around thus camouflaging my real data. Do you have any suggestions as to how to effectively mount a personal disinformation campaign?
Jason, , Age: 35
I have found that it is not possible to extricate my personal information from all of the databases that exist to collect data on me(credit bureaus, phone records, etc). So I would like to muddy the waters for anybody trying to harvest information on me by submitting false information about myself and letting this incorrect information circulate around thus camouflaging my real data. Do you have any suggestions as to how to effectively mount a personal disinformation campaign?
Jason, , Age: 35
Rather than muddy the waters, I think that a more reliable method would be to move. However, if some other readers haved been able to pull off a disinformation campaign, I'd appreciate hearing from them.
#837
10/19/06
LLC FUNDS and IRS
[Edited for length]
(1) If I Switch to using a LLC to hold and then sell property, could the IRS audit me and compell a person to take a salery, there by causing social security , and penalty payments due them.
(2) If you do not obtain a fed ID number for the LLC, can you easily deposite a large check that is payable to the LLC into your personal checking account,
(3) Using my ss no. for all accounts is loosing privacy, obtaing and using several business fed numbers has great privacy but many IRS potential problems.
(P.S.) please dont ask me to ask a cpa,, or irs , they dont know, they need to be told how to think.
STEWART, , Age: 53
[Edited for length]
(1) If I Switch to using a LLC to hold and then sell property, could the IRS audit me and compell a person to take a salery, there by causing social security , and penalty payments due them.
(2) If you do not obtain a fed ID number for the LLC, can you easily deposite a large check that is payable to the LLC into your personal checking account,
(3) Using my ss no. for all accounts is loosing privacy, obtaing and using several business fed numbers has great privacy but many IRS potential problems.
(P.S.) please dont ask me to ask a cpa,, or irs , they dont know, they need to be told how to think.
STEWART, , Age: 53
(1) No. no salary etc., not if you are the sole member of an LLC. Report income on schedule C. (Anyone, of course, can be audited.)
... (2) No. Do not allow any checks to be made out to your LLC.
... (3) There are ways to do low-profile banking and my forthcoming report will discuss some remedies.
... (P.S.) Disclaimer: I am not an attorney or a CPA.
... (2) No. Do not allow any checks to be made out to your LLC.
... (3) There are ways to do low-profile banking and my forthcoming report will discuss some remedies.
... (P.S.) Disclaimer: I am not an attorney or a CPA.
#836
10/19/06
irishgirl
I tried to send an email to theirishgirl@infosecguru.com
to learn more about LLCS, and the email came back. Does she have another email address?
Steve, , Age: 54
I tried to send an email to theirishgirl@infosecguru.com
to learn more about LLCS, and the email came back. Does she have another email address?
Steve, , Age: 54
I was having the same problem, but it appears now to be fixed. Try again.
#835
10/19/06
Bank Accounts
Today I went into a bank in the Atlanta area in an attempt to open a CD and was refused based on the fact that my credit score was below 650. Is this a new procedure from the fallout of the Patriot Act or just the results of an overly paranoid financial institution?
Jim, , Age: 49
Today I went into a bank in the Atlanta area in an attempt to open a CD and was refused based on the fact that my credit score was below 650. Is this a new procedure from the fallout of the Patriot Act or just the results of an overly paranoid financial institution?
Jim, , Age: 49
Overly paranoid. I recently purchased a CD at a new bank (more of which will be said in the forthcoming "Invisible Money" report) and I have no credit rating at all.
#834
10/19/06
Overzealous Cop
Mr. Luna,
Ed's October 17th post regarding overzealous cops brought to mind a 46 minute video on youtube titled, "BUSTED - The Citizen's Guide to Surviving Police Encounters" Unless educated regarding the rights provided by the founding fathers, those rights can and usually will be trampled.
URL #1: http://www.youtube.com/watch?v=3NmC5wHfCdM
John, , Age: 39
Mr. Luna,
Ed's October 17th post regarding overzealous cops brought to mind a 46 minute video on youtube titled, "BUSTED - The Citizen's Guide to Surviving Police Encounters" Unless educated regarding the rights provided by the founding fathers, those rights can and usually will be trampled.
URL #1: http://www.youtube.com/watch?v=3NmC5wHfCdM
John, , Age: 39
I don't often set aside 46 minutes to watch a video on my computer, but THIS one was fascinating! It deals with police who stop you in the street, on the highway, or knock on your door. Priceless information!
... Although the video is for all ages, it is especially applicable to teens. If you have teens in your home, find the time to have them watch the video. You'll be glad you did.
... Although the video is for all ages, it is especially applicable to teens. If you have teens in your home, find the time to have them watch the video. You'll be glad you did.
#832
10/19/06
What lengths PIs will go to for info.
Just a comment.
The following link is is a fantastic article about what HP did to one reporter from the Wall Street Journal. (WSJ.com subscription required)
Had she read HTBI, they would never have gotton so much information. She wonders how they got her phone numbers, my guess is from her trash.
URL #1: http://online.wsj.com/public/article/SB116122600055097332-SMe_yumWlNpm_GtWJafxk__NJ5Y_20071019.html?mod=blogs
Mark, , Age: 32
Just a comment.
The following link is is a fantastic article about what HP did to one reporter from the Wall Street Journal. (WSJ.com subscription required)
Had she read HTBI, they would never have gotton so much information. She wonders how they got her phone numbers, my guess is from her trash.
URL #1: http://online.wsj.com/public/article/SB116122600055097332-SMe_yumWlNpm_GtWJafxk__NJ5Y_20071019.html?mod=blogs
Mark, , Age: 32
#831
10/19/06
name change
[Edited for length] I need to re-new my passport (it expires in Nov) so that I can start using that as my ID and not my drivers liscense anymore.
I am wanting to get invisible & have contemplated using my deceased husbands last name. I would have to request my marriage certificate from NV to do this (we were married in 1988 and I never used his last name so it is not tied to me) Should I do this???
I'm just so freaked out because I googled my name, and my address & phone # was displayed. The phone has been diconnected as of last year & it still shows up. YES! I am in the process of moving because of this, but I will make sure I don't mess up and leave a trail this time.............hence, the careful study of your book now!
I will be living & running my business out of my RV with ghost addresses as I travel. Currently I am setting up a few LLC's to hold my personal assets & looking for a lawyer or CPA to set up my business in a corperation or LLC as well.
Debbie, , Age: 47
[Edited for length] I need to re-new my passport (it expires in Nov) so that I can start using that as my ID and not my drivers liscense anymore.
I am wanting to get invisible & have contemplated using my deceased husbands last name. I would have to request my marriage certificate from NV to do this (we were married in 1988 and I never used his last name so it is not tied to me) Should I do this???
I'm just so freaked out because I googled my name, and my address & phone # was displayed. The phone has been diconnected as of last year & it still shows up. YES! I am in the process of moving because of this, but I will make sure I don't mess up and leave a trail this time.............hence, the careful study of your book now!
I will be living & running my business out of my RV with ghost addresses as I travel. Currently I am setting up a few LLC's to hold my personal assets & looking for a lawyer or CPA to set up my business in a corperation or LLC as well.
Debbie, , Age: 47
The name change sounds good but I cannot make this decision for you. You know your circumstances whereas I do not.
#830
10/19/06
Bank account through nominee
I was reading the book. I have a large check (> $10k) of after tax money. I was considering depositing it in a new nominee bank account. My biggest concern is the tax implications. I imagine the nominee will have to pay taxes on it.
Is that the case? Is there another way to keep the money private and not pay tax?
Arthur, , Age: 35
I was reading the book. I have a large check (> $10k) of after tax money. I was considering depositing it in a new nominee bank account. My biggest concern is the tax implications. I imagine the nominee will have to pay taxes on it.
Is that the case? Is there another way to keep the money private and not pay tax?
Arthur, , Age: 35
Do not put this money into any account that the nominee is already using. Open a new non-interest-bearing checking account. With no interest reported to the IRS, the account should not be any problem for the nominee. If you are in any doubt, however, check with a CPA or an enrolled agent.
#829
10/18/06
Populating an LLC
Thanks for the great info in a great book. We are in process of setting up LLC's for our home, car, etc.
Once it is formed, how do we get money, titles and so on into the LLC?
Tom, , Age: 60
Thanks for the great info in a great book. We are in process of setting up LLC's for our home, car, etc.
Once it is formed, how do we get money, titles and so on into the LLC?
Tom, , Age: 60
Normally you put future purchases of real estate and vehicles into an LLC. (Not money.) However, you can sell your cars or real estate to an LLC but there may be sales or other taxes payable just as with any other sale in your state.
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