Question And Comments



There are 8,075 questions at JJLuna.com.
Privacy and the patriot act
With the recent data breech at Experian it was revealed that the various government agencies have full access to all credit files. The I.R.S., social security, and department of Homeland security and others all have agreements with the credit reporting agencies due to the patriot act. Whenever you update your address with a financial institution like a bank, credit union, or insurance agency it reports this update to all three credit bureau\\\'s which in turn update the header on your credit file which is viewed by the government agencies. I use the street address of my post office as my address and without me updating my address the MVD has started sending me mail at my updated address, the post office.


Nevada residency vs. California
I recently moved from Seattle, WA to Las Vegas, NV but spend lots of time in California where I also have a house and income property. I have considerable assets and income and just want to be sure that I’m covering my basis so CA cannot come after me for state income taxes. Do you have an attorney (preferable because of attorney/client confidentially) that knows about these things?

You may only need a CPA to handle the CA tax issue. However, the residency issue is tricky enough for a lawyer. You might want to contact Mark Kohler, https://kohlereyrecpas.com/ who is one of my fans.

At minimum, you need a CPA who handles multi-state tax filings. I’m not sure how someone with an income property in California would legally not pay “Nonresident income tax form for CA source-income.” Rental income on CA property is pretty clearly CA-source income, and is subject to taxation. Now, as for spending “lots of time” in CA, that could be trouble. See this link on the CA Part-Time Resident Tax Trap:
http://www.sangerlaw.com/Articles/THE-PART-TIME-RESIDENT-TAX-TRAP.shtml

data breach at credit reporting agency
Hello Mr. Luna,
I recently started reading your book \\\"How to be Invisible\\\" and have already started taking steps to protect my privacy. Then I learned about the recent massive data breach at Equifax credit reporting agency - hackers gained access to the company\\\'s database and personal information, including social security numbers, were compromised for over 100 million Americans.

While I, as a rule, have never used credit and have no outstanding debt, in the past I have been unable to avoid the occasional landlord or prospective employer running a credit check on me (or at least, I wasn\\\'t then aware that such checks could or should be avoided). This means that the credit reporting agencies likely have a file on me and that I have likely been affected. I\\\'ve been advised to apply for a credit freeze at all 3 companies, which should theoretically prevent people from using my information to apply for credit in my name, potentially ruining my credit score.

This seems like a good idea, but in order to apply for such a freeze, one is required to submit a lot of personal information to the credit reporting agencies (name, address, birthdate, social security number, email, credit card, etc). My instincts tell me this is a bad idea, and in any case I don\\\'t really care about my credit score, since I don\\\'t use credit. But on the other hand, if someone steals my identity, I could end up being pursued by collection agencies, forced to appear in court and prove my innocence, or even have my paychecks garnished.

I wish I had read your book 10 years ago and could have avoided ever giving away my social security number, but unfortunately that ship has sailed, and now I have to do damage control. What would you recommend to people who may have been affected by the data breach? Is it better to submit my information (since they supposedly already have it), and get the credit freeze? Or does giving out my information again just compound the risk? Is there anything else I can do to limit my vulnerability? I appreciate any advice you might be able to offer.


This data breach did not affect me. (Since I always pay cash, my name does not appear in any of their files.)

My personal opinion is not to get a credit freeze, but I have no concrete facts to back that up. You will have to make your own choice.

face recognition
While at DMV getting my youngest daughter her licence the DMV agent said all photos have to be no glasses and no makeup. When asked why she responded it is for facial recognition. With digital photography now standard you face is available to any law enforcement agency through your driver licence photo.

There are only 2 remedies:
1. Hire someone to drive you.
2. Drive without a license.

HOWEVER:

The theme of my HTBI book is to never allow any stranger to find out where you live. If you can avoid having your home address on your DL, that will be a great step forward!

Obstinate insurance agents
I live in Erie, PA and am having an impossible time finding an insurance agency/insurance agent that will allow me to have my vehicle in an LLC even with the actual insurance in my proper name - without charging me \\\"corporate/business\\\" rates for insurance. (astronomically high !)
I am running out of insurance agencies in the phone book to call and my voice is gone from trying to explain to one agent after another that I am just doing this for privacy reasons and I am NOT a business.
I\\\'m ready to reach through the phone and choke some of these idiots.
I see other people have managed to do this is other states and localities.
Can anyone please recommend an agency in the Erie County (PA) area or even in the Tri-State area I could get my insurance through ?
Any suggestions would be so very greatly appreciated.
Thank you.


Use a company like State Farm.
Insure in your own name. The license still shows up in an LLC name.

Better information about how we are \\\\\\\'Tracked\\\\\\\'
This is for those who better want to understand how we are tracked here in America. As a result of watching part of the show \\\\\\\'Hunted\\\\\\\' I realized I should re-watch it because I would see things or hear the \\\\\\\'analysts\\\\\\\' speaking about techniques or ways that the US government and even the U.K. uses to track people or locate \\\\\\\'lost\\\\\\\' individuals. These are light information, much more research would need to be done. And it doesn\\\\\\\'t go deep into other information about electronic monitoring. I once saw a show by Vice or Viceland speaking about how the U.K. and MI6 used a machine that collected the numbers and cell phone transactions of all of phones in a large area, that way the could figure out who was there, and who they contacted and what type of social media they where sending and sharing. It was very shocking to see the extremes that they would go to. http://postapocalypticmedia.com/hunted-finale-surveillance-techniques-that-worked-how-fugitives-caught/ and here is the YouTube about the cell phone tracking.
https://www.theguardian.com/uk/2011/oct/30/metropolitan-police-mobile-phone-surveillance

URL #1: http://www.wfmynews2.com/news/local/2-wants-to-know/mail-cover-law-enforcement-can-track-your-mail/395260721


Re: #11569
If Deanna is planning to get SSI (Supplemental Security Income), then I would be hesitant to use a LLC to own vehicles. I think it would look too much like she is hiding assets from the Social Security Administration. For SSI purposes, one vehicle is not counted as a financial resource. More than one vehicle, they won\\\'t count the most expensive one, but will count the others (but that may not be the case if the most expensive one is a high-value luxury car - I\\\'m not sure on that). But you will have to disclose your ownership of all vehicles. If she uses a LLC, and they ask about her mode of transportation, what will she say?

I think she would have to disclose her ownership of the LLC to the SSA. I doubt if they encounter that too often in SSI cases. It would be a complication, far more complicated than simply owning a vehicle in your own name. For SSI, the recipients are supposed to be poor. Using a LLC, which has ongoing expenses, would raise red flags about that.



computer and phone security
What do you think of the privacy-oriented laptops and phones from Purism? Info in this article:
http://gizmodo.com/how-to-become-a-full-blown-privacy-fanatic-with-purisms-1798505852


I consider their products too extreme for my readers, and that includes me.

When asked for a drivers license
I have a second home in Mexico. I also have a Mexican drivers license in addition to my license in the States. When asked for a drivers license I just hand them the Mexican one. They don\\\'t know how to handle it so they just write down \\\'Mexico\\\"

Way to go, Roger! I once came back from Spain for a six month\'s visit. My Spanish DL had just expired.. When stopped for speeding I handed the cop this expired license. (A cheap 3-fold cardboard document, in those days.)

The cop looked it over, then said. \"I\'ll take your word that this is an okay license!\"

In fact, he even let me go without a ticket.

Vehicle Ownership & LLC
Mr Luna, in early editions of HTBI you recommend using a LLC to own vehicles. Then when you want to sell the vehicle, you merely sell the LLC and avoid any transfer taxes. I see in the newest edition of HTBI you do not talk about this technique at all. Has your thinking on this changed, or have you discovered any legal problems with this?

I no longer recommend this, because I discovered that it scares people. I once lost a sale because the man thought it might be some sort of scam!

Privacy and a nomadic lifestyle
I am planning to give up city life and purchase a vehicle to live and travel in. I hope to support myself through seasonal work in various places, and/or running an online business. I do not own any real property or a vehicle now, but of course I\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\'ll need to buy a van or truck or small Class B RV to live in. What states would you recommend as the best for registering an LLC to own the vehicle, and for registering the vehicle, and for legal domicile to get insurance for the vehicle? Do you think it is necessary to have two LLCs, with one owning the other, for this? I intend to live as a nomad for at least 5-10 years, so will probably start collecting SS while on the road. Will my LLC owning the vehicle mean it won\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\'t be counted as a financial resouce by SSI?

Please direct your LLC questions to Rosie. She is more up to date in this field than I am. Her email address is on my website.

Too bad you live so far away, because I have a pickup with a custom camper shell for sale, $4500. Also a converted 7 x 14 enclosed cargo trailer divided in two. The front is a home office and the back is for storage. Also $4500.

I am not sure about the best states, but I do know that many full-time RVers use Montana or South Dakota. I suggest you post this question on an RV forum.

credit report and government
I update my address with my bank to show the street address of my post office where I rent a post office box and used the po box number as my apartment number. I know when you update your address with the bank it automatically update it with the credit agency\\\'s. In Arizona Dept of Child support enforcement is immediately notified as soon as a new address appears on my credit report header, which I expect. My daughter wrecked my car and it was totaled out and I requested a refund from motor vehicles for the balance of the plate fee\\\'s and received the refund not at my registered address but at the new address I gave the bank. It seems that all government agency\\\'s can look at my credit report and the address in the header.


prescription medication
How could I receive prescription medication from my pharmacy without revealing my identity?

Some problems that come to mind: The doctor prescribes it to me personally, the health insurance company has a my name and social security, and the pharmacy asks for ID

Thanks!


You can do a search on this site for info on how I used to do it. However, if you want the health insurance company to pay, then it cannot be done.

New Mexico LLC
JJ,

Good evening Sir. With the recent retirment of Rosie Enriquez, do you have another contact for the New Mexico LLCs? I just found your book 2 months ago and I truly want to take advnatage of regestering my motorcycle here in TX utilizing a New Mexico LLC. And as you suggested, I paid cash for the motorcycle. Thank you for your expertise on privacy!

Thanks,
Louis


Contact Rosie. She may have a few shelf LLCs left over. Also, she will continue with the resident agent services, as well as the three ghost addresses.

NewMexico LLC
Mr.Luna,

I have years ago taken your advise to heart and titled my property in a New Mexico LLC.
Just now i went online and your site in particular and discovered that Rosie has retired and
some type of changes have been made in New Mexico. I am relying on your integrity sir to help me make the proper informed choices regarding this matter. Please let me know what you are advising your many followers. Thank you.

My email address is :
Lorenray364@yahoo.com


Not to worry, Loren! There are no changes for her current customers. \"Retired\" was the wrong word. She just plans to not sell any more LLCs in the future.

If you have any doubts, email her.

Medical Visit
Hi Mr. JJ,

I was wondering why and if it is necessary to give your driver\\\'s license at a doctors office?

Looking forward to hearing from you!


Ask the doctor!

P 0 Box in another Town
JJ, I was rereading some chapters in Htbi and had 1 question. How important is it too get a po box in another city from where your residence is? Best regards. Bobby.

It is usually overkill. Ignore it.

Nevada LLC
HI JJ Luna,

I would like to open an LLC in Nevada as I\\\\\\\\\\\\\\\'ve heard they protect privacy. My question is that during the time of acquiring an EIN, IRS is asking for SSN. One agent promised me he can provide his SSN for that purpose. That will give me complete privacy, my concern is that can he later on claim ownership of the business ?

Thanks.


I would never suggest that! Check with Rosie. She may have a left-over New Mexico LLC she can let you have.

Limited Liability Companies in Spain
Hello and thanks for your book, it was really interesting.
I\\\'m planning to buy a house in Spain but I don\\\'t want to put in on my name. I\\\'m doing some research about LLC\\\'s in Spain. It seems that the equivalent are the so called \\\"Sociedades Limitadas\\\", but it seems easy to find the associates of these type of societies even in some websites that crawl information from the register.
Since it seems that you spend some time in Spain, can you give me some advice on how to buy a house privately, without my name being easy to track?
I respect the law, but I also respect my own privacy.
Thanks in advance and excuse my bad english.


I left Spain 30 years ago. I first used S.L s. My name. showed up. Later, I used an S.A. But that was with a nominee.

Where did you find my 3rd edition?

RE: Question 11550
Bitcoin and other cryptocurrencies are anonymous to a great extent. You have to verify your identity to open an account at Coinbase, Bittrex or any other reputable exchange, but once you do that, your transactions are anonymous. You can convert bitcoins directly to cash using a Shift debit card from Coinbase if you have bitcoins in your account, of course, they don\\\'t allow overdrafts, up to$200/day and spend up to $1,000 per day on merchandise. This upper limit can be increased.
More and more vendor around the world are accepting bitcoin and many that don\\\'t will allow you to use a service like Payza that will accept the bitcoins and then credit the vendor in dollars.
Since there is no record of transactions using crypto, there is more chance of fraud when dealing with private persons, but the cryptocoin blackcoin has an affiliated service called Black Halo that acts more or less like an escrow service.



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