Question And Comments

There are 8,092 questions at
Medical Tourism
I need a minor operation done, but to get it where I am now, it\\\\\\\'s ridiculously expensive. A friend told me it\\\\\\\'s cheaper to go to Japan and get it done, but I feel like there\\\\\\\'s probably a better place to do it. What country do you recommend for getting quality, but affordable medical treatment?

You do not say what the operation will be for, so this limits my answer.

In general, Mexico has some good doctors and dentists, but you have to get references first.

Madrid, Spain is great for any kind of heart surgery, and much cheaper than USA.

I was wondering about the nominee you use for the bank account. What if the things you are protecting yourself from happens to the nominee, accounts get frozen, divorce proceeding find money etc. Are you basically out your money? Do you keep only a minimal balance in that account for paying small utilities? Or is it simply a cost of doing business that you might lose whatever you have there.

I no longer use a nominee for a bank account, and I no longer recommend them to anyone else.
This is due to increased scrutiny by Homeland Security.

Here is an insightful article on the perils of offshore \\\\\\\"hidden\\\\\\\" assets from the NY Times:
How to Hide $400 Million

URL #1:

G\\\'day Mr Luna. I\\\'ve read the 3rd edition and it was great. Interesting that while some doesn\\\'t apply to Australia, it is offset by developing USA anti-privacy measures being a bit in front of here. On CRMA addresses being in a database, I found it worse than that here. Government agencies and large companies universally have a system which identifies any given address as residential or commercial, if it is stand alone or if it has flats or units and how many there are. I was lucky enough to find a Mum & Dad CRMA with an address simple enough to be able to convince clerks to use their ability to over-ride the program but it took persistence and personal visits. I would have had no chance with any of the larger CRMA providers and suspect in time even the Mum & Dad option will be tightened up.

Most of your predictions have come true here, notably drivers licences becoming national ID cards linked between State and Federal government and to sophisticated facial recognition technology. I suspect a national ID card will follow. The other thing that is very true is the time and detail involved.

Looking forward to the 2019 edition!

Sorry, no more editions. The third edition was the last.

Total privacy in a retirement home?
Mr. Luna, I have a younger friend who just rented a two-bedroom apartment in a retirement home order to hide her true home address. She says she used a different name, no ID required, and of course her name is now not on any utilities. (She can afford the $2400 a month.) She stays and eats there about half the time. All her mail and deliveries now come in her new name, to this place. Is this a good idea? Are all retirement homes that good for protecting privacy?

I cannot speak for ALL retirement homes but I do have a friend that recently moved into one. He used a different name, with no problem. He is not retired, however. He has an internet business and works on it from his room.

He says that the main problem for him is to be among all these old people sitting around, bored, dreading long evenings, and apparently just waiting to die and go to heaven or some other place, or else nowhere at all. Very depressing, he says.

I am going to write a short report on things to do before you die, that he can pass out. I fear no one will be interested in this, but who knows? We will soon find out, Donna!

If any of you old timers [ages 70 to 110] would like a copy, email me at Jack(at) Put RETIRE? in the subject line. (Not in the text but in the SUBJECT LINE.)

Smart Meters
Hi JJ...

Two Questions if I may ask....

1. What\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\'s you opinion on smart meters from electric companies. Privacy, safety, health issues......

2. In cleaning out my storage locker, I found the old black binder privacy reports I purchased from you many years ago. Is all that info obsolete?


1. I hate all smart meters, and live in a place that does not have them,.

2. Some yes, but many, not at all. I sold that report to Saint Martins Press with almost NO CHANGES.
It is still sold on Amazon! However, the 3rd edition is more up to date.

Post office and privacy
In the book how the *bleep* did you find me real life lessons for protecting your privacy from one of America\\\'s leading skip tracers ($6.51 on Amazon) the author discloses that the U.S. post office is one of the largest resellers of information. Every time you submit a change of address that information is resold to data companies who in turn resell it again and again. A great companion book to HTBI.
URL #1:

I do not have her book because it has 5-star reviews ONLY. No book is that good.

Also, did she not even tell her readers WHY their info gets sold?

As I say in HTBI, forward mail temporarily only. NEVER permanent! I do this all the time.

Password Generation
I came across a super great way to create strong passwords. You pick a key on your key board either along the bottom Z row or the second row. Pick a letter. This will be basically all you need to remember. Start with one finger either down on the shift key or off. Start with the letter you picked and move up the keyboard diagonally up to the left or right then follow again diagonal up the opposite direction creating a V pattern ending up at the very top row of numbered keys and symbols. Then repeat with the shift key depressed or not depressed.

So if you picked M and started with your finger off the shift key the PW would be

This gives you a 16 character PW with upper and lower case letters, numbers and symbols.
You can vary it by changing the way you use the shift button first or last after each V or switching the shift button mid-branch of the V. When you need to change your password just pick a new letter and repeat. I suppose you could also start from the numbers row and come down to start the V.

Easy to remember and fast to enter which is a win win. And works wherever you have a QWERTY keyboard.

I hope this isnt old news here. Ive been using the trick of using the first letters of the words in a song verse or poem.

There is a you tube video a navy seal creates a bomb poof PW if you want to watch it

URL #1:

That system is not as secure as one with random digits. This is because your system is used by thousands of others.

Mail privacy gone
Jack, you\\\'ve mentioned before that mail while sorted is scanned with an image of the outside envelope being taken. The USPS has indirectly acknowledged this by offering a service \\\"Informed Delivery\\\" in which scans of the outside envelope are emailed to you. Images are available for the last 6 days, but who knows how long the USPS keeps them. Even if you don\\\'t opt into having the images emailed to you, of course the mail still gets scanned. I don\\\'t know whether only the front or also the back of envelopes is scanned.
URL #1:

The mail is STILL private in that the contents are not scanned. Neither is the back.

Re 11561 DL and doctor
Tony is in Canada, where laws are different than in the US. Here in the US the big concern is not getting paid. I simply say I don\\\'t have it and am paying cash. I\\\'ve called ahead to find out the cost of a visit, explaining that I don\\\'t have insurance. I am asked to pay before the doctor sees me and I do so.

Re 11568/others credit report address
Credit report header data (name, address, phone, DOB) can be legally sold and are readily available from many people search sites. Anyone can get that info easily and cheaply.

Young readers pay attention. ALWAYS PAY CASH!

Then, like me, you will not have a file to copy and sell.

Re 11565 Prescription privacy
Depends on the type of medication. Narcotics require ID. Ditto for some OTC cold medicine. Other prescriptions, as long as you are not using insurance, I have never been asked for ID, and have picked it up for relatives as well.

Privacy LLCs
Mr. Luna, loved the book. Your attorney says you are retiring, and Ms. Rosie says she retired, but I see you are writing a new book. I am curious in light of Rosie\\\'s retirement what you think of I know some folks around here that use their services and they seem to be legit. Thanks in advance -

My attorney was dead wrong. I told him to remove that content. Frankly, I do not believe in retirement. Go visit any retirement home. Observe all those old fogies just sitting around, waiting to die. Ugh!

If any of you olsters read this, and have no idea what to do with your remaining time, please CONTACT ME:

Make sure to put RETIRE? in the subject line. Not in the text.. In the SUBJECT LINE.

USA Liberty Act: New ‘Foreign’ Intelligence Law Will Legalize Spying On Americans
USA Liberty Act: New ‘Foreign’ Intelligence Law Will Legalize Spying On Americans
URL #1:,35623.html

It is not yet a \"law\" and may never be one

US Military Veteran
Mr. Luna, I am a military Veteran receiving payments from the government monthly. How can I get those payments into an LLC checking account if my real name is not on the account? Or should I just have the whole amount transferred to the LLC account after the government deposit? But then that could be traced back to me, couldn\\\'t it? I am still scratching my head. I want to move overseas too but I will need that money monthly from Uncle Sam to live off of until I can establish another business to generate an income for me. Not sure where to start. Planning on moving in December to another place stateside to save up my money before expatriating the USA.

Are you asking for an anonymous, no-tax, untraceable bank account? Not legally possible as far as I am aware, certainly an LLC does not do anything to \"shelter\" money.

Private business
Hi, I liked your book \\\"Invisible Money\\\" and have learned a lot, thank you. Can you make your next book about \\\"How to Start an Invisible Business\\\" or something? I want to start a business but it seems impossible to do that without giving away so much of my privacy. How would you start a private business if you were to start one?

Please help.


It depends entirely on who you are and what the business will entail. What you need is a consultation of at least three hours.

Privacy Tools
Why do you give prepaid credit cards and cell phones so little attention as good privacy tools?

These will be discussed in my next 1919.

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, 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:

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.

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