Hi JJ. My wife and I will be vacationing in South Florida this summer. What is the safest to way to carry cash? (We're worried about robbers, pickpockets, etc.) We'll probably just be wearing shorts and T-shirts, so that may limit our options. Is a money belt recommended, or is that too obvious -- like leaving a key under the door mat?
We've saved up for two years for this and I'm not as able to defend myself as I was in my younger days. Thanks for your help!
St. Paul, Minn.
You consider yourself old when you are only 61?
If you are just carrying, say, an extra $1500 or so, you might use a can safe. I use a hollow WD-40 can, with $2000 inside. It goes in a battered old tool box with pliers, a wrench, a few screwdrivers, and a greasy old towel.
--Jack, age 89.
Privacy as a Real Estate Agent
I have been considering getting my Real Estate License to go into business for myself. If I go down this path are there ways to structure my Real Estate business privately? Or does the licensing process and State / Federal regulations make this impossible?
Salt Lake City, Utah
If you wish to stay legal, then use your correct address.
If any other agents dispute this, I'd be interested in hearing from them.
What State for LLC Now?
I read you e-mail about NM's proposed law change regarding LLCs. Will you be recommending other states for LLC formation?
Too soon to tell, Steve. For now, get a NM LLC before the laws change.
I keep an old dumb phone to use as a backup. I first got it back in the day when you could get prepaid service without revealing any information and was on T-mobiles plan where I just had to put $10 on it once a year to keep it active. I got it out today to check on my top up date and realized that T-mobile has done away with the old plans. I spoke with a customer service rep who stated that my phone will stay with the legacy plan as long as it is active.
So, should I keep my old phone (about 20 years old but still works despite surviving a flood) or switch to a different provider. The main pro of keeping it is that they don't have personal info on me with it but the cons is that the future of my service is uncertain. I checked the tracfone website and it looks like their own plans may have changed as well. Pageplus still has the old plans and is the best pricing but I am concerned that signing up for service may require giving out information as it has to be done online or at a store.
Do you recommend any particular cell phone service for dumb phones at this time?
Due to the invasive and time consuming process of ascertaining a pistol permit on NYS, I'm curious to know your stance and if you be so kind to provide advice. Thank you
Three choices, you choose.
1. Go through the process.
2. Take a chance and carry sans permit.
3. Do not carry a handgun. This one is my choice.
Re: #11488 Easy VPN setup for internet security
Re: #11488 04/11/17VPN for internet security
I use the Opera browser and its built-in VPN option. It’s very easy to set up and use.
First, get the Opera installer at:
Once installed, I go to Settings and check the ad-blocker (not necessary, but helpful).
Then I go to Privacy & Security and check VPN (and uncheck Offer to Save Passwords).
Last, I go to
and add EFF’s “HTTPS-everywhere” extension for Opera which will use HTTPS encryption for every website it can.
This has worked very well for me so far.
The source article for all of this information and instructions is at:
How to set up a VPN in 10 minutes for free (and why you urgently need one)
URL #1: https://medium.freecodecamp.com/how-to-set-up-a-vpn-in-5-minutes-for-free-and-why-you-urgently-need-one-d5cdba361907
Rosie: You probably misspelled senorita. Many readers do.
Banks: You cannot bank in the US or Canada and legally remain invisible. Forget about it.
ISIS Kill List
In early April Newsweek printed the story linked below.
Yesterday a close family member got a call from local law enforcement. The detective on the line said he didn't want to scare my family member. He repeated that. Then he asked if they still lived at the address he had on record. They said no. Then he told them about the ISIS Kill List, and gave them a telephone number for their states' Intelligence Fusion Center telling them to call and talk to a particular individual.
This family member called me and told me the story. I used the name the Detective gave, and the numbers he provided and confirmed the Detective worked at that police station. I also confirmed the number provided would be answered by the Intelligence Fusion Center and the recommended employee worked there.
When they called the IFC number they were given a different number to call. I was given this number too. It also terminated at the IFC. My family member spoke to the employee she was supposed to contact. She explained what the Kill List is (for Lone Wolves - encouraging nuts who agree with stated-ISIS goals to target random individuals in the US. Torturing/Raping/Harassing/Killing them, cutting off their heads, etc.).
My family member called me back. We laughed and laughed. They've been using JJ Luna's suggestions for over a decade and the losers in ISIS have been using databases. Databases are notoriously out of date and/or inaccurate. The crazies in ISIS don't even have the right state! My family member sort of won the lottery being on a list of so few Americans - but they have more chance of being hit by lightning than meeting an ISIS-controlled lone wolf attacker. Nevertheless...
What do we learn? PUT INTO PRACTICE TODAY WHAT YOU HAVE LEARNED FROM LUNA. It MAY save your live someday - not only from random street crime, but from an internationally despised extremist group of terrorists.
URL #1: http://www.newsweek.com/isis-linked-cyber-group-releases-kill-list-8786-us-targets-lone-wolf-attacks-578765
San Francisco, California
Safe Deposit Boxes
I recently read HTBI-2 ed. and found no mention of safe deposit boxes. What is your thought on them, pros and cons?
Pro: They are safe.
Con: When you die, they are blocked. When the executor has the box opened, the source of any cash, gold or silver must be explained. Yipe!
Re 11485 buying car for cash
Car dealers are required by law to report to FINCEN large amounts of cash. "Large" used to be $10K or more, but in many areas it is now $3K, and businesses can report even smaller amounts which they consider "suspicious." The report requires your SSN. Paying by check, although not anonymous is pretty good privacy since it attracts no special attention.
LLC for house
I'm thinking of buying a house and getting it deeded to an LLC. I called a few title companies and the typical response is "no problem, we do it all the time." Good news!
EIN for LLC?
I have looked at the requirements for titling/registering a car in Virginia and an EIN is requested for an entity (such as an LLC.) How much privacy is lost by getting and providing an EIN?
The alternative would be to register the car elsewhere but because Virginia charges property tax on cars (around 4% per year or $400 on a $10K car) I don't want to evade taxes for privacy.
Also, though the form asks for the EIN, the law really says that it's required for an employer doing business (my LLC would neither be an employer nor do business) but I don't know how succesasful I would be arguing the law with a clerk; I might need to go to court which does not enhance privacy!
Get the EIN. Not a big problem.
Hiring a PI
I'm Tim. (See the link below).
When you contact a private investigator you are contacting a business. Identify yourself. Have your information ready and be willing to share it. If you don't trust anyone with your information, don't call the PI in the first place. Be specific, be clear, answer all questions asked by the experienced professional you are HIRING.
The professional you are talking to is an unbiased 3rd party, seeing a larger picture and comparing what you are saying to vast experience. You are very close to your own problems. Your issue is personal (to you), but it is not unique. There is a solution, it may not be what you want to hear.
Every PI agency has its own culture and policies, for a variety of very good reasons. Some have big corporate offices and meet clients in a lobby. Others meet you only at your lawyers' office. I often meet people in public places where they are comfortable. Often the differences are dictated by our clientele.
Solutions know no boundaries. It doesn't matter where you are in the world, if you need a consultation and are serious enough to hire a professional, gather and organize your case information before you call, write, meet.
JJ Luna trusts me. You trust Jack. Don't call if you can't trust anyone.
URL #1: https://jjluna.com/contact-us-2/
San Francisco, California
Any state with no state income tax.
Registration Of Vehicle!!!
Can a person get a car registered through the LLC with and IDP (International Driving Permit) and not a license? I am not sure if this question has ever been asked before? Thanks in advance for your response.
No! The IDP must be tied into a state license..
Hi, Monty. I've used a VPN/proxy for at least seven years. I'm very happy with the one I've had for the past while. It's off-shore, reasonably priced, quite easy to get up and running.
There's a site that posts VPN/proxy/privacy news, & reviews various providers. Might be a place to start: bestvpn.
URL #1: https://www.bestvpn.com/
San Francisco, CA
Privacy in AU
Hello Mr Luna, i have a question i must ask, i live in Australia, and as such only about 70% of the information in your book applies to me, that said, can you suggest any sources or people i can look at?
we dont have LLCs here in Australia and im wondering if you know of a way or anyone who can point me in another direction?
Sydney, new south wales
Sorry but no, Benjamin
Advocacy of a state
Is there a particular US state you recommend above all others for those who wish to operate Internet businesses while living in Level 3 privacy?
Who do you consult when looking for information on digital security?
At Level 3? No.
I consult with my webmaster $100 an hour.