JJ Luna

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There are 7,142 questions at JJLuna.com.
#8685 01/05/12 firearms and LLC's
Selling a firearm in the state of WA is legal. There is a document that the seller and buyer each fill out. Could I use that document to transfer ownership of a firearm from me to an LLC? So that, like a vehicle, the firearm is owned by the LLC and I own the LLC. Can I do that to a firearm that is already registered? Is my privacy improved?

Shirley, Bellingham, WA      Age: 55
THis is a question for a WA attorney.

#8684 01/05/12 Trust for Property ownership
I was pleased to see someone finally mentioned holding real estate in a trust. I have been doing this for 20 years, and over half of the properties purchased at Trustee Sales (foreclosures)are placed into trusts. They are easy, private, and can be learned for the price of a NOLO Press book which is less than $50.



San Bernardion Country Recorder used to require the name of the trustee to be on the deed, but recently I helped a friend, being terrorized by an ex boyfriend,acquire a house and record it into a trust with no trustee named. Her name does not appear within the public records as owning the house. If your County requires a trustee on the deed, create a partnership to perform the task, as partnership documents are normally private.

steven, Yucca Valley, California      Age: 67


#8682 01/04/12 Stalked by Ex
In reference to those who are being stalked by ex (and found due to having to be registered for a professional license), would it be as easy for ex to get to you if you had to stay in the states, but lived somewhere like Alaska or Hawaii where it would not be as easy to travel there? Why not consider a job working in your industry, but not necessarily working at a position where you must be licensed? There are many companies (large corporations, especially) that have entire legal or medical departments where one can get a job in those areas for positions that do not require a license. Also, many of these corporations like to hire contract personnel. You could work under your own company name (contract) and simply bill the company yourself. That way you would stay off of any new hire lists. Many companies have many different companies within the one company (such as Siemens). Being licensed as a doctor or lawyer doesn't mean you have to actually practice that profession. There are many other alternatives that you can use to stay under the radar.

Melissa, Houston, TX      Age: 48
Excellent suggestions, Melissa!

#8681 01/04/12 Stalked by Ex
In reply to the response from the question that I posted (#8667). Unfortunately, my husband's ex has a vast amount of money which she is using to help "hunt" us. She is not interested in my ex (shortly after they were married, she admitted to him that she is gay - he stayed in marriage because she was pregnant and he wanted to "do the right thing"), but she wants "control" (we know this because she has shouted it from the top of her lungs in the courthouse at countless hearings - like I said, she is also a lunatic). My husband doesn't have any contact with his kids from his previous marriage because they are paid (by his ex)not to have a relationship with him (as we have been told by the kids) so the only contact with them is the child support that we pay his ex and the gifts, texts and emails that we send the kids (with no reply of course). We can't leave the country because we can't get a passport for my son without "permission" from his biological father (who is hunting us). Any suggestions on the additional information? It is so hard when we are trying to follow the law and they are not! However, we will not give up our religious and ethical beliefs.

Heather, St. Louis, MO      Age: 45
I do not have a magic wand to solve all problems. My only additional comment is that desperate problems call for desperate measures.

One such measure would be to leave your son with relatives or in temporary foster care, and leave the country. I can think of no other solution (except killing the stalker, which is illegal in the western world). Can you?


#8680 01/04/12 Stalked
My family is being "hunted" by my ex. We have a protective order against him, but that is only a piece of paper. We relocated across the country, but he has been "hunting" us. He recently got very close just days before Christmas and we had to pack our children and their gifts in the car (upon recommendation of the court and police) and get out of town for a couple of days. We have taken every precaution we can under the restraints of the law, but it is hard when my ex does not abide by the same restraints of the law. He has gotten a judge from a state (WV)other than the state who has jurisdiction (VA)of custody to make illegal rulings (pointed out to WV judge who said, "I am a judge, this is my court, and I can do what I want"). We have spent every penny we have on relocating and legal costs. What can we do to stay safe? (complicated because my husband is a licensed professional and has to be registered in any state that he practices in!)

Heather, St. Louis, MO      Age: 45
Look back to #8667, where you posed a similar question. My answer is the same.

#8679 01/04/12 NM LLCs
If I purchase a NM LLC and then use that LLC to purchase property (i.e., land or auto), if I decide later to sell that property, how is that done? Would I have to sell the LLC to the buyer, or can I just sell the property and keep the LLC? If I sell the LLC, wouldn't the new owner be responsible for paying a resident agent in NM after they purchase it? Thanks!

Melissa, Houston, TX      Age: 47
Sell the property outright, and keep the LLC. Almost all buyers will wish to purchase the property, not your LLC, anyway. Don't scare them by even mentioning the alternative.

#8678 01/03/12 DLs and Real ID
Dan - Many states are resisting Real ID compliance. From Wikipedia: "Arkansas, Arizona, Colorado, Georgia, Hawaii, Idaho, Illinois, Louisiana, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Hampshire, North Dakota, Oklahoma, South Carolina, Tennessee, Virginia, and Washington have joined Maine and Utah in passing legislation opposing Real ID. Similar resolutions are pending in Alaska, Kentucky, Louisiana, Maryland, Massachusetts, New Mexico, New York, Ohio, Oregon, Pennsylvania, Rhode Island, Texas, Utah, Vermont, Washington, D.C., West Virginia, Wisconsin, and Wyoming."

California, for all of its Real ID compliance, has never required I show anything other than my old license upon renewal (and let me renew online last year). Go figure.

There seems to be little consistency (some states don't even require a fingerprint...), so you might want to check the rules in the states listed above and take your pick. Do note, however, that some of them won't allow you to keep your Utah license.

Anne, Los Angeles, CA      Age: 29
I do not know of any state that says you can keep your license from the previous state.

#8677 01/03/12 DL renewal
Going to get my DL in another state, any benefits from one state to another? I have not chosen one yet. Do all states participate in r-e-a-l i-dee? Some of my friends when renewing their DLs have had to submit marriage records, birth certificate or just a passport to be scanned by the DMV as a part of the verification process....

Dan , Moab, UT      Age: 46
Sorry, but I have no favorite state. Some prefer Arizona due to the long time before renewals but all states compare records.

#8676 01/03/12 Re: 8666
Re: 8666 Pamela

In general what are somethings to look for whem choosing a good attorney to help me with a home purchase as you described? Are most attorneys willing to help their clients set up utilities in the name of the trust or llc? Any advice on where I can get a general idea of what my state may or may not allow when trying to protect my privacy with a home purchase either with a mortgage or paying $cash?

Dan , Moab, UT      Age: 46

#8675 01/03/12 Private Det.
I recently heard a story of a nefarious motorcycle group employing a private invest./ attorneys, to track down victims. Has anyone ever heard of this being done?

Dan , Moab, UT      Age: 46
I checked with a PI friend. His answer:



This basic scenario happens daily around the country. When the purpose of the service provided by the investigator is known to be pre-op for violence, the PI has the obligation to turn down the work and alert the potential victim/the authorities.



For the PI it is akin to accepting payment for spying against the US for Chinese Intelligence. When the approach is made, the correct response is to pull the alarm.*



We have a contract with society, just like everyone else. When a mobster, drug cartel, or any other organized crime group contacts us for services the answer should be, 'No. We reserve the right to refuse service to anyone. We will not accept your money and will not provide you with information. Please be on your way.' Breaking the law, or assisting someone else to do so is a violation of that widely accepted social contract.



Many PI's fail the 'Know Your Client' policy though. If a potential client refuses to give us information we need to check their story - or if they lie to us about anything - they lose their retainer and are dismissed. We deal in information. There is a bond of trust between the Agency and the client. The Agency is expected to be professional and to deliver the most accurate information available. If the client breaks that trust, the relationship is ruined.


The scenario can be shrunk down to the smallest scale too. That's why I say it happens daily, it is most often used by family members against each other or stalkers against their victims.


* If you think I'm exaggerating, read On The Wrong Side by Stanislav Levchenko (c) 1988
Pergamon-Brassey's International Defense Publishers, Inc.

ISBN 0-08-034478-X

Chapter 10 (pp 222-224)


#8674 01/02/12 Passwords
The link below is an analysis of the Strafor hack. It is written in non-technical language and gives examples of BAD passwords.
URL #1: http://www.thetechherald.com/articles/Report-Analysis-of-the-Stratfor-Password-List

Drake, Los Angeles, CA      Age: 36
Thanks, Drake. There's a couple of passwords I am going to immediately change!

#8671 01/01/12 6888
Woops, yes I did mistakenly put my age as 3. I seem to have aged considerably since then... :)


Pamela, Los Angeles, CA      Age: 31

#8670 12/31/11 trust
why should I pay someone to setup a NM LLC when I can form my own trust for free? it doesn't have to be filed either which is a nice benefit

bob, austin , tx      Age: 58
1. Trusts are not as widely understood or accepted as LLCs.

2.Trusts require a trustee who is willing to have his or her name in public records for
real estate or in DMV records, where as the LLC owners have an easier time keeping their name out of searchable records.

3. Trusts are trickier legal devices which can have unintended consequences for do-it-yourselfers.

Legal guidance is suggested.


#8669 12/31/11 Low Profile Banking - Credit Unions
I read Invisible money and have started looking into small banks with only a couple branches, however are small credit unions just as good or is there anything you would advise against?

Pro's vs Con's of each or are they pretty much the same when it comes to low-profile banking?

Thanks

Dennis, Charlotte, NC      Age: 42
For PI's, they are about the same as small banks with few branches with the exception that Credit Unions require 'membership' and many times a current member must introduce the new guy.



Since you are looking into Credit Unions, your safest move would be to find a nominee (such as a relative)that already is a member of a Credit Union outside your city/state who is willing to open a second account for you.



* Credit Unions often use ChexSystems, Inc., just like banks. (Though many don't http://nonchexsystems.org/.)



Interesting Related Reading:


http://chexsystemsrelief.com/

https://www.consumerdebit.com/consumerinfo/us/en/chexsystems/faqs.htm

http://www.firstdata.com/telecheck/index.html

http://www.debtconsolidationcare.com/collection-agencies/teletrack-telecheck.html


#8668 12/30/11 RE: 8666
Thank you Pamela for your thoughts about making the Living Revocable Trust irrevocable. I'm sure that you merely made a mistake in listing your age as 3 and that Mister Luna was only teasing you with his question about your age.

Charles, Atlanta, GA      Age: 35

#8667 12/29/11 Stalked by an ex
I had contacted you a few years ago about my husband's ex hacking into our bank accounts, going through our garbage, trying to break into our house, etc.. We have your books and have used much of the advice you offer. We recently moved across country because my ex has been "hunting" us after he kidnapped my youngest son (we got him back safely). We have a Protective Order, but that is just a piece of paper and cannot stop bullets! To top it off, my husband's crazy ex and my crazy ex have joined forces to "get rid of us". We have a PO Box under a NM LLC (thanks for that) in another city. My husband is a doctor and must register in the state he is working in so they have "tracked us" after a couple of weeks! The SSA gave us new SSN's because of the danger we are in, but that doesn't do us much good if we get found because we want to be legal and must register with the licensing board. Recommendations? My ex has also enlisted a rogue judge in WV (a buddy of his dad) to make judgements against me for visitation and WV doesn't even have jurisdiction! We have used every dime we have in legal bills and cannot afford another lawyer! What can we do to escape these lunitics (we will only do things that are ethical and legal)?

Heather, St Louis, MO      Age: 45
As long as your husband registers in the USA, he will be found.


He could go international and he could work for Doctors Without Borders or something... maybe. At least that would give him a reason to be in another country, where he could set up other bank accounts and properties, etc.



I checked with a expert PI about your quandry. His answer follows. Please let me know what you eventually decide.

Jack

========================


An attorney recently asked if I knew anyone in the Russian Mafia - because his ex-wife was causing him problems. The doctor in Kansas and his wife seem to be in a similar predicament with their exes. Their resolve to only do what is legal and ethical is admirable.



This was my reply:


=====


Divorce is a crushing experience for most folks. It really can be cheaper to keep 'er.



Nobody has 'friends' in that organization - or similar organizations. They're not known for attracting or engendering friendship. They'd rather get a hook into you for a future harvest. They cause more problems than they solve. They've been found to be soul-less and unreliable at the lower levels - thoroughly penetrated in the higher echelons.




Always focused on helping; I wonder what issues you're having with the ex-wife.


Can they be solved if distractions arose in her life? (Leaving fewer hours in the day to poke at you.)


Are children involved?


Does her location bear any weight on her ability to aggravate you?


How big is her family and where are they located - and are they involved in aggravating you?


Do you feel your life or livelihood is at risk?


Is there no relief from the court system?


=====



The answers to the questions at the end would be used to begin planning how to distract the ex.





#8666 12/29/11 Buying a home with a trust
A reader named Alan recently posted about trying to maintain his privacy by purchasing a house with a trust. I suggest he talk to a lawyer in his states - WA. I am a CA lawyer. In CA you can purchase a house with a trust and the name of the trustee. If you get a less experienced clerk at the recorder's office, maybe you can manage to only have the name of the trust recorded. Don't name your trust "Smith Family trust". Call it something not connected with you - Canary Islands Trust is a good example!


Make the trust revocable at first, for the purchase. Many banks require you to take a house out of a trust for purposes of issuing a mortgage. They realize it is a fiction and do not complain if you put it right b ack into the trust after the mortgage paperwork is signed - as long as the person taking out the mortgage actually resides in the property.


After the purchase, and the financing have gone through, file a Waiver of Revocability with the Recorder's Office. This makes your trust irrevocable. Check with your attorney for exact wording necessary in the trust and the waiver to preserve mortgage interest deductions, etc. A Personal Residence trust is pretty standard in these situations, and this does not vary from state to state as it is an IRS approved trust.


An irrevocable trust takes the real estate out of your possession, the benefit being that it is not subject to attachment should you ever be sued. If the trust puchases the real estate to begin with, your name will not show up in the county register, making you a less attractive lawsuit target to being with.


Can an attorney still find you based on the mortgage? Yes. A title search will reveal the debtor's name. But someone has to go to some effort to find it, it is not easily available info.


So bottom line is if you are trying to keep a low profile, and cannot afford to buy without a mortgage, then a trust is a good option. Not perfect, but good. If you are trying to be completely invisible, then you can't have a mortgage. Save up and have a trust buy the house for cash.

Pamela, Los Angeles, Ca      Age: 3

Pamela, I assume you are more than three years old? (See your entry, above, left.)

#8665 12/29/11 EIN # for LLC Bank Account
Im curious to know if banks verify EIN #'s when opening an account in the name of an LLC and conducting transactions? For Instance, many that open an acct in the name of an LLC for privacy reasons have said that they cancel the EIN after they do so. My question is, if you cancel the EIN and then conduct a $10,000+ transaction for example and the bank reports it to the IRS, does the IRS notify the bank that the EIN is not valid? Does the account get flagged etc? Curious as to what would happen in this instance.
Thanks

Jimmy, Phoenix, AZ      Age: 38
I don't know the answer, and not all banks are the same. However, why take a chance?

#8664 12/28/11 Privacy Goes Down the Drano
From the post listed below:
"If you buy a can of Drano in Illinois, you must register your name and address. The U.S. government plans to put you in its data base. Reason? You might try to attack someone with Drano."


URL #1: http://teapartyeconomist.com/2011/12/28/privacy-goes-down-the-drano-registration/

James, Johnston, IA      Age: 49

#8663 12/27/11 For Dan re: Kindle
Hi, Dan.

I have an Amazon account funded by pre-paid gift cards, with a throw-away e-mail address (Yahoo seems to be best). Friends agreed to have my orders sent to their addresses (under my Amazon name), and nary a problem.

Since I was just given a Kindle, I'll see if that works.

Good luck!

Teresa, Lewiston, Idaho      Age: 49
Yes, Amazon will send to any address you give them.

#8662 12/23/11 HOW DO I GET A P.O. BOX WITHOUT GIVING OUT MY INFORMATION??
HELLO. I AM IN NEED OF A P.O. BOX BUT CANNOT GET IT IN MY OWN NAME. ANY SUGGESTIONS ON HOW I COULD OBTAIN A P.O. BOX WITHOUT GIVING OUT ANY OF MY INFORMATION???

oscar, los angelos, california      Age: 35
If you post again, please do not use all capital letters.

To get mail in another name, use a nominee. It the mail will be in your name, see if the nominee can add your name to the account.


#8661 12/22/11 paid membership plan forum
Re:#8659
and a paid membership plan mention.
If you decide to create a paid membership for a forum of privacy-minded folks I surely hope you would host the forum on servers located out of the country.

Since your canaryislandspress website specifically says
"This website deals with LEGAL suggestions as to how to maintain your personal privacy. "
Having a paid membership forum would not be for criminals but very specific topics would be forbidden but I hope not nearly as much as a free forum. For $5./year paid membership I can see that but expect SSL technology for the full login session including a private message service between members. May I suggest using Powered by SMF 1.1 as forum software or else vBulletin® Version 4.1?
For $25./year and up I would want any topic not to be taboo. Even a similar website for free discusses many topics:
thementalmilitia

I'm not suggesting that canaryislandspress website become a black market website for information but a discussion forum with fully open discussion of ideas for the 6000 current members who wish to pay a yearly fee.

Brian, New York, NY      Age: 37
Sorry, but if we do this, some subjects will not be permitted, especially if illegal. No politics and no religion. (I do discuss Bible subjects privately with a few who have honest questions, but not on my website. The website is devoted to information on privacy and low-profile businesses.)

#8660 12/21/11 Avoid New Hire Reporting and Get a Ghost Address
A good way to make extra income AND have a mail drop is to rent a booth/space at a local antique mall or flea market to sell services or items that you collect, manufacture, etc.



I have a relative who began by buying good quality used furniture and restoring/reselling it at a local antique mall. You can sign up with them using your DBA name and tax ID number instead of your name and SSN. They need this info to pay you and I'm sure to report taxes to the IRS, but since you are not an employee, no New Hire reporting.



You can use the mall address as your business address, and they generally won't have a problem with you receiving mail there, including packages (especially if you are a great vendor and sell a lot of product). These places are manned every day, and handle all money transactions (usually for a small percentage of the sell). They usually pay you by check (either in your name or your DBA name) twice a month. You can get month-to-month contracts with them, so there is no long-term commitment.



Flea markets generally require even less information, since most only operate on weekends and you have to sell your own product or service. But it still is a good way to make money and stay off of the New Hire reporting.

Melissa, Houston, TX      Age: 47

Excellent idea, Melissa. Thanks!

#8659 12/20/11 The forum closing
Hello Mr. Luna! I am sorry to hear about the spam and the resulting closing of the forum. I was wondering and hoping that you maybe will archive the posts that are still on there?

Jen, Mars, PA      Age: 28
Not sure about achiving them, but we'll probably have another, later, for members (paid) only. More later on the membership plan.

#8658 12/20/11 RE: 8640 Library Card Privacy
Even though I use my real name with the library here, I use a ghost address which is a drop in center for homeless/ indigent individuals. I use this address for ALL official functions (had my passport sent here, w2's, and this address is printed on the my state ID card as well). Even though I have an apartment- I am friendly with the staff, told them I had a mail theft in the past and was worried about identity theft. So they let me receive mail there no questions asked and completely free.

Daniel, Minneapolis, MN      Age: 39
Great tip, Daniel!

#8657 12/19/11 Home Insurance Privacy?
I read in HTBI that when acquiring auto and home insurance, there really is nothing that can be done about privacy in this matter as the person insured must be listed along with the home address. Now I believe JJ mentioned that Auto Insurance can be obtained with a different agent in the same state using a ghost address, however Im just confirming that the only way to keep your name and address separate for a home insurance policy is to provide the true home address but perhaps listing it in the name of a trust as opposed to your name? Please advise on what other options you have with insurance? Thank you
A

Alan, Atlanta, GA      Age: 35
No, I have never said to use a ghost address for a home insurance policy. That makes no sense. The choice is no insurance or else list your true address. (Your home address is fairly safe with the insurance company although nothing is perfect.)

#8656 12/19/11 Home Purchase Privacy with Revocable Trust
JJ,
I am moving to the state of WA and want to know if establishing a Revocable Trust will protect your privacy on the Deed of Trust and Warranty Deed even if you will need to get a mortgage through a Bank. I understand that personal credit will be run to obtain the mortgage, however I my concern is privacy in the county records as to what the Deed of Trust and Warranty Deed says. My understand is that its possible to put the Name of the Trust on the Warranty Deed, however on the Deed of Trust, can only the Revocable Trust be named or must the individual obtaining the finance be named as well?

Please Advise. Thank you
A

Alan, Atlanta, GA      Age: 35
I am not an authority on trusts but if a mortgage is involved, this does not sound good.

Why not rent until such time as you can pay cash?


#8655 12/18/11 New Device
Thanks Mel--I may use that in my blog or in a mass email.

Mel, Austin, Texas      Age: 42

#8654 12/18/11 8640 - Books
Dan - Libraries are not consistent. I've held library cards in several different cities. One, and ONLY one, of those libraries insisted I show a photo ID, have my picture taken, and show two proofs of residence (such as a lease or utility bill). I should mention that it was by far the best library I've ever used, and they (understandably) don't want non-residents using the facility without paying the non-resident membership fee.

The rest didn't even ask for my ID, and at one library I used my work address instead of a home address, with zero difficulty. (It was one block from the library in question and wasn't residentially zoned, but the librarian didn't ask any questions...)

The librarians I've talked to resent having to hand over patrons' records at all, and I suspect very few will do it without a warrant. Even better, some library systems aren't set up to permanently record patrons' full checkout history. Doing so would take up a LOT of disk space (which costs money), so some library software doesn't save older entries in patron records.

Anne, Los Angeles, CA      Age: 29

#8653 12/17/11 NM LLC for titling cars & property in MA
Hello,

I am in the process of moving, buying a new home, setting up a business & utilities, and titling/registering/insuring a vehicle in MA.

Can I do all of these things privately, or will MA demand the name of a real person? Will I be able to accomplish these things on my own, or will I need an attorney?

What I am trying to accomplish is to keep my name out of public records as much as possible.



Deb, Derry, NH      Age: 42
Use a NM LLC. You will have to sign for it but that should not appear on the registration.

For insurance, use your own name--that's fairly safe.


I doubt an attorney can help. Most do not have a clue about privacy.



Check with Rosie Enriquez if you still have questions.


#8652 12/16/11 Are there any prepaid smart phones that allow for the removal of the battery?
Can anyone recommend a prepaid smart phone that allows for the removal of the battery when the phone is not in use?

Calvin, Detroit, MI      Age: 37

#8651 12/16/11 home security
I recently learned about a $35 device (with a timer) that simulates the flickering of a TV to help make outsiders believe you're at home when you're not. I'm often not home during the work week, but I want to make my house look like I am. I leave the kitchen radio on when I'm away, but that flickering TV on a timer thing would be great too. However, I can't remember where I read about it! Was it in your book? (I have the 2nd ed.)
URL #1: http://www.amazon.com/Flicker-Flame-Imitates-Flickering-Candle/product-reviews/B000RZPNGO/ref=cm_cr_pr_hist_3?ie=UTF8&showViewpoints=0&filterBy=addThreeStar

Zoe, Oak Harbor, OH      Age: 60
Amazon has something like that (see link below)but you can also find other suppliers via Google/

#8650 12/15/11 phone privacy
Is there a way to know if your land line or cell phone conversation is being recorded?

Mike, Phoenix, AZ      Age: 38
Sorry, but no.

#8649 12/13/11 reader forum
Hi Jack,



I posted a test post on the forum to see if there was a problem, and that post is showing properly. Maximina [from London]is past the number of minimum posts to be allowed to post without being moderated, so I cannot see a reason why she can't post from my end of things.



Thanks,


Dorothy

Dorothy, Topeka, KS      Age: 46


#8648 12/13/11 Starting business
I'd like to start a business and need to know if it's better to start the LLC first and then register for the business license, Fictitious Business name, and Tax ID under the LLC or register the Business first through the state/county and then transfer to the LLC? I will be starting up 2 businesses and will probably want an additional LLC to hold my cars and business assets. If it helps, one business will be internet based and no income coming from the US and the other is a fitness consulting business. Thanks for any info...

Paul, Roseville, CA      Age: 33
Please check with Rosie and/or your CPA

#8647 12/13/11 READER FORUM
:
WHAT IS GOING ON?

Sent: Tue Dec 13, 2011 11:04 am
From: maximina
To: Dorothy
I CAN'T POST. NOBODY IS POSTING!

maxi, london, london      Age: 35
I do not know why you can't post. HOWEVER, due to few posts lately, but tons of spam, I am having the forum shut down at the end of this month.

#8646 12/13/11 Frozen Credit Reports
In an attempt to deter possible identity theft or credit card fraud and maintain privacy, I have frozen my credit reports from the 3 major bureaus. Allegedly, I am unable to apply for any "new" credit unless I unlock my files and only my current creditors have access to my records.

I am wondering if I have missed another credit information source that is used by banks. If I apply online to open a bank account, I must go through a lengthy online form which will ask me to verify information that I know comes from my credit report (i.e., I will be offered multiple choice questions such as "Which of these addresses is a former residence?" or "Which of these amounts matches your current auto loan?") which must be answered accurately in order to process the form.

I am just wondering how the banks still seem to have access to that credit report information if my reports are supposed to be locked.

Karen, Baytown, Texas      Age: 47

Another possibility, of course, is to stop using credit cards and just pay cash for everything.

#8645 12/12/11 Kindle
When I got my kindle the guy helping me actually told me I could use my prepaid visa card and did not care what name or pen name I used. He just wanted to get a sale. The same with my cell phone. I got it at a large chain bookstore. I also saw one at the local pawned goods store, might also be an option for some!?

Dan, Moab, UT      Age: 46
Not sure I understand this. You need an account at Amazon.com in order to download books, no?

#8643 12/12/11 Books #2
Are library records easily acessable to PIs? Could one walk up to a librarian and get the persons library info?

Dan , moab, UT      Age: 46
No.

#8642 12/11/11 NM LLC and 1st time home purchase
Is there a third edition of HTBI?


If I finance either a home or a car in FLA, I cannot utilize a NM LLC, correct?


Once either are "Paid in Full", THEN I could utilize a NM LLC. In the meantime, I can play hide-and-go-seek with my mailing address/true address.


Is there an online support group where users share their experiences implementing HTBI principles?

Alan, Vero Beach, FL      Age: 50

I currently have a forum but it will be shut down at the end of this month. (Check it out while you can!)

#8641 12/10/11 Do you know your Carrier's IQ?
Please see the link - it is enlightening, frightening, and funny all at the same time.
URL #1: http://money.cnn.com/2011/12/01/technology/carrier_iq/index.htm

Dorothy, Topeka, KS      Age: 46

#8640 12/09/11 books
Do you have any reccomendations for privacy when becoming a patron at a library?

Dan , Moab, UT      Age: 46
You will almost always have to give your true name. Sometimes you can hide your home address--it depends on the library.

#8639 12/09/11 THE LIFEBOAT STRATEGY
Was wondering if anyone had order The Lifeboat Strategy book yet and if they know what eBook format is it in such as .pdf, .epub, etc?

Thank you for your time.
URL #1: http://http://www.nestmann.com/catalog/lifeboat-strategy-legally-protecting-wealth-privacy-21st-centuryem-2011-volume-p-29.html

Joseph, Milwaukee, Wisconsin      Age: 25
.PDF

#8638 12/06/11 RE: Question 8624 - Pastor's privacy
Re: Question 8624 - pastor's privacy



This is in response to Joyce's question about privacy for herself and her husband, a pastor.


I have multiple friends who are pastors/ministers, and I am appalled at the lack of privacy that seems to be taken as par for the course if one pastors a congregation. Some of them belong to denominations which have clergy directories on the denominational websites, that list home address and home phone number. None have PO boxes. All the ministers/pastors I know also have a listed phone number!


From what I've seen, here are some simple suggestions I've made to clergy friends:


*Do NOT live in the parsonage/rectory if at all possible. Live at least 15-20 minutes away from the church, so you have privacy for yourself and your family from people coming over unannounced. Older pastor friends have told stories of their wives being walked in upon by a member of the congregation who thought the parsonage was open to all!


*Have a PO Box. Don't divulge home address if at all possible.


*If you list a phone number for pastoral emergencies/calls outside of office hours, make it a cell phone number. If the pastor's wife needs to be contactable as well, make the number she lists a cell number, not a home number. If you have a home phone, make sure the number is unlisted. Or perhaps just go with cell phones, instead, as a good number of people do nowadays.


*Don't entertain members of the congregation in your home. Either meet with them at the church, a coffee shop, or restaurant. Some churches have made their fellowship areas inviting and cozy, so that might be something to think about doing, if possible. Also, by not having congregation members in the pastor's home, even the appearance of possible impropriety is avoided.


*Encourage good privacy management methods within the congregation itself. Membership directories, even if without pictures, do not need to be laying about. Don't list needless information on published prayer lists. Be careful with the personal information (addresses, phone numbers, email addresses, DOB, etc., donation records) of congregation members.


If office staff is needed, it's something to consider a NON-member for the position. That way, the person wouldn't be tempted with private info of fellow members.


These are simple enough changes that aren't too difficult to enact, although some might be more difficult if one has been pastoring a congregation for some time.


Michele, Chicago, IL      Age: 42

I've posted the above without editing, but with this strong declaimer:

I disagree with about half of it, especially "Don't entertain members of the congregation in your home." There are things more important in this world than keeping one's private life private.


#8636 12/06/11 Kindle Registration requirement
Is anyone else appalled at the Registration requirement for using an Amazon Kindle?

I can't see JJ Luna using a Kindle because of this. Am I mistaken?

Is there a "privacy minded alternative" to the Kindle that has e-ink?

I'd love to hear some feedback on this issue.



Sam, Macomb, Michigan      Age: 40
FYI, I have both a Kindle and a Nook Color, although not under my own name. The trick is to get a credit card in an alternate name, or in the name of trust.

#8635 12/06/11 8633 - Dan
Dan, I'm under the impression that any state you try to get a drivers license from will cross reference data including suspensions, etc with the other states. Does anyone know if that is true?

Danny, Livermore, CA      Age: 33
I am virtually certain that this is true.

#8634 12/05/11 Cash and Email
In HTBI you said that in your youth, you always carried a $1000 bill. What do you think about the Singapore $10,000 bill today.
Also, you recommended Swissinfo.com as an email provider. Do you know of any similar service today?

Chuck, Monroe, La      Age: 53
Local banks are not familiar with the $10,000 bill from Singapore. I used to carry a 500-euro bill but even that is hard to exchange so I now stick to carrying a pocketful of US$100 bills.

As for email, I currently have no preference.


#8633 12/04/11 driver license
my dl is suspended for a long time in my home state. does anyone have any info what state is best to try to get a license?

Dan, Linden, NJ      Age: 52
I believe all states are the same. Further, if this was for a DUI, please DO stop driving.

#8632 12/04/11 Driver's License
In today's age of fraud, privacy invasion, identity theft, etc., does anybody know why it is still a requirement to physically print one's address on a driver's license?

For those of us on this forum, it is merely inconvenient, but for those who are not so attentive, why does everybody from a police officer writing a speeding ticket, to the Walmart cashier verifying a credit card, to a bartender need to know your home address? Where did this even become a requirement to drive a vehicle?

Shaun, San Antonio, Texas      Age: 33
In my book HTBI I clearly show how to avoid this problem, at least in most states. California, for instance, allows a PO Box number.

#8631 12/02/11 Utility Account
Does anyone know a way I can scout out cities utility companies, so I can find one favorable to privacy before I move?

Dan , Moab, UT      Age: 46
Yes. Either go to the companies in those cities, or call ahead. ASK them the questions you need answered.

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