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Dear Mr. Luna. Would you mind sharing your opinion of cryptocurrencies? Thank you.

Although i understand blockchain, I fear both thefts and government intervention. For that reason, I stay on the sidelines, just watching.

Re: Lawyers/Legalshield
I have not used this specific service, but I did have a pre-paid legal plan through an employer, and I was not very impressed. It really depends what kind of legal services you need. These services work best for routine, non-complex legal issues. Legal matters that require extensive work, research or creativity are the types of things they either won't handle at all or won't handle very well.

1st edition vs 3rd edition
I bought and read your book many years ago. It is a first edition. I'm thinking about buying the 3rd edition. What does the 3rd edition cover that the 1st edition did not? Specifically, I'm looking to learn about confidential electronic communication. I gave out my e-mail address, and nothing else, and the next thing I know, they traced it back to my web page which then gave them my name and phone number. Do I need to get a new e-mail address, or can I take care of this on the web page side of things?

The third edition is much improved! Why not get it?

As for the email problem, it depends on who you think you need protection from. If you have a serious enemy, get a better email address such as protonmail.

I judge all such questions in the light of my constant theme for the past 20 years:

"Never allow your true name to be connected to your true home address."

The 5G lie and all privacy will be effected
A very important topic that the media is not telling the public about our safety and privacy. I was just watching this and by what was said in the video. 5 G is not really needed it is a lie and is a way for the unsuspecting public to be tracked no matter where one is. Americans will not only be effected framers and rual areas will also be linked to 5 G. We the public need to learn more about 5 G and not allow this to happen especially if you value your pravicy.
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Jack - I have read much of your Third Edition of HTBI. I value your advice. Short of a marathon consulting session, can you give any advice to someone in middle age looking to begin melting into obscurity towards a peaceful and private retirement. For purposes of this hypothetical, please assume that the person in question has major credit cards, a mortgage and has been fingerprinted by a number of government organizations for employment and licensing purposes. In the event you deem consulting necessary can you provide any estimate of how much?

You may need a consultation. See for pricing.

However, I will not consult with you unless you agree to move and NOT tell anyone your new address. The credit cards and fingerprinting are not a problem but the mortgage is. This may be a deal-breaker, unless you are willing to either get private financing or sell.

NM LLC\\\\\\\'s
Greetings Jack. I've been out of the loop for a minute however I somehow remember you stating rosie is retiring and something about changes to the LLC's. So are you doing LLC's and if not who ? Thank you

Rosie still has some shelf LLCs left. Contact her.

Rosie fears that someday NM will require ID for LLCs. I doubt that and am still using NM LLCs, same as before.

I just recently got my walmart MasterCard trying to activate my card asking me to verify with my phone number I accident miss type one number and now they put a block on it wanting me to send a photo,billing statements is there anyway around it to unblockit

Not that I know of.

online business
Been a following of your since edition one of your book. Love the books and the info.
I have been trying to figure out how to set up a paypal or another way to accept money from a blog I plan to start without having to reveal my ssn or any identifying information. In this day and age, how is it possible to start a small business, just for extra income (say 500 to 1000 mnth) and not tied to ssn. It's not about paying taxes, i just plan to move to another country soon and start over but want to make money from online work. Thanks in advance

Would you consider a trusted nominee?

What's your opinion of this legal service? Would it be good insurance to have?
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No opinion, since I have never used them.

LLCs - cost
Jack, I know you have been (despite current changes on the horizon) a fan of the New Mexico LLC because of privacy but also because there is no yearly cost. I live in NY and would rather not deal with a state so far away. Which states offer the equivalent privacy protection? I'm willing to pay a little each year. I have not researched this yet, but I have read that Delaware has the same privacy protection as NM but it will cost $300/year. Is this true? And can you tell us (to your knowledge) which states offer the same protections as NM?

I cannot speak for every state. I personally continue to use New Mexico. However, New York is a tough state. It does not work well with NM. I do not know if Delaware is better in that respect.

Buying or renting a cheap property as a local ghost address
A lot of institutions (banks, DMV, etc) now can detect CMRAs (via a database) and PO boxes and will reject those addresses and ask you for your physical/primary address.

Has anyone bought or rented a cheap, run-down house to use as a local ghost address to give to these institutions? Where I am, you could buy a cheap house for maybe 40-50k. What are your thoughts on this strategy?

That seems way too expensive an idea, Jared! Better to rent a motel room for a week or so and use that. Or an apartment for just one month.

Net neutrality
The FCC is expected to end net neutrality which can potentially make privacy harder. ISPs could decide to block vpns for example (because they could be used to circumvent paywalls). Do you have any advice if the worst fears of losing net neutrality are realized?

Not yet, Paula

Hi Mr. Luna,

Would it be possible to own a business, without having to submit an EIN, or putting my name as the manager? I'm interested in purchasing a commercial real estate property, in owning to rent for renters. I was thinking about opening an LLC from NM, but it's pointless, because CA state law requires to submit an SSN or EIN, and manager names. I was thinking about hiring an attorney and opening up an manager-managed llc to disclose my identity from public record, but I'm not sure if I could trust putting responsibility to an attorney, even through an operating agreement. What do you think?


I passed your inquiry on to my attorney John Clark. This is more complicated than you seem to think. If you contact me by email, I will give you more information.

adverse possession
Can anything be done when buying/titling a deed for a home to prevent another person(s) from using Adverse Possession to "steal" that property from you?

I checked with my attorney. He asks "why do you ask this question? What are you afraid of?" (I get the impression he thinks any first year law student knows the answer.)

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

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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.

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