| #: |
From / Date: |
Question / Answer: |
| 5653. |
Leon
Williams, AZ
Age: 30
Mar 27, 2009
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Why does this site want my personal info?
JJ, I find it ironic you are so worried about getting the city, state and age of people posting to your site ... I love your book but your book taught me not to trust anyone with my personal information ...
...
Have you read this explanation on the page where your entered this comment? It reads:
'Your comments and suggestions will be appreciated. I do require your true first name and age. This helps me as I now have some way of referring to you, and I can sometimes better answer a question if I know your age and sex. I also require your city and state (or city and province, or city and country) because this too may affect the way I answer your question. (If you merely enter something like "USA" or "CA," your message will be deleted.)' The answer I give an 18-year old girl in California may be different than if I am answering a 77-year old New Yorker. Also, I think readers find it more interesting to see "Solvang, CA" than "USA." Since you are so concerned about my requirements, use your middle name or even another name. Just be consistant and always use the same name for each post. Thanks for writing.
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| 5652. |
Alex
Redondo Beach, CA
Age: 35
Mar 26, 2009
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Undoing Social Security Damage
So Jack, unfortunately I was not given a copy of your book at birth and have only just recently read it. Before now, I was not so cautious with my social security number and am now wondering what I can do now. My SS number is no doubtedly in a lot of databases, many of them nationwide. The SS Admin will not allow for a change of numbers unless something happes, and even then it is a hassle. So what now? Obviously I will be more careful in the future, but it seems like the damage is already done. There must something more I can do! Thanks in advance.
...
Just make sure that in the future, your car is not connected to your real name, and your real name is normally not connected to your home address. (You listed a zip instead of your city and state, but I looked it up this ONE time and entered it, above. But please don't do that again.)
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| 5651. |
Georja
Whittier, CO
Age: 28
Mar 26, 2009
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FYI on College Loans
Don't know but my guess is at least a few of the people on this board are here because they can't deal with the repayment of college loans. Some students even commit suicide. If I understand correctly, a federal law is being passed in July, which may limit the amount of garnishment of students' wages to 10%. Or nothing, if unemployed. This will probably save lives.
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| 5650. |
Susan
Cleveland
Age: 53
Mar 26, 2009
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#5649 - Purchasing guns privately
For purchasing a firearm privately, without getting into any govt database, purchase it from a private party with cash. If you purchase it at a gun store or pawn shop, these dealers are what's known as an FFL, Federal Firearm Licensee, and you will have to fill out a Form 4473 with detailed personal information, and show ID (Driver's License). This information will then be submitted to the feds for a background check, which you must pass before the FFL can sell you the gun.
While supposedly the feds are not allowed to keep records of these forms and sales, the FFL does have to retain the records, which the federal BATF can always have access to.
For private party sales, gun shows are good, but there are FFL dealers there too, so you have to look carefully and ask questions. You can also check ads in the papers, and online sites such as Gunbroker.com, which may have private parties, but you can only legally buy from within your state.
The above is only addressing federal requirements. It is possible that your state has more onerous laws that will make private firearm purchases impossible. And, you may want to act quickly, as the new administration may clamp down on gun rights.
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| 5649. |
Mark
Eugene, Oregon
Age: 26
Mar 26, 2009
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Purchasing a gun for safety
I'm thinking about buying a handgun for personal safety at home and was wondering what's the best method for private folks like us to purchase one? Should I purchase one from a pawn shop, gun show or some other place?
thanks
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| 5648. |
Seth
collbran, co
Age: 50
Mar 26, 2009
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Money & Metal Detectors & drug-tainted bills
The strip is plastic, not metal. Metal detectors will not detect bills. However, a drug-dog might, if the bills (as 80% in circulation do) have traces of cocaine on them. A large enough quantity of contaminated bills might trigger a drug dog, and if that happens, the DEA will most likely seize your money and force you to prove in court that it's NOT the proceeds of a drug transaction. This is PARTICULARLY true if you are found to be carrying large quantities of cash, even if it's less than the legal amount that has to be declared. Many people have had such cash seized as "presumptively" drug money, and no few have not gotten it back.
Here's a challenge for you chemists in the group: What procedure can be used to launder (literally, not figuratively) bills to remove all detectable traces of cocaine without damaging the bills? What chemicals would take any drug traces into solution and bind them well enough to make any field test or drug-dog unable to detect any traces?
I'm quite serious in this request, and somebody (some scientist working at a university perhaps) ought to do the research, in the public interest, and publish the methodology so that INNOCENT people will not have their money seized by overzealous drug agents.
This is in fact the principle obstruction to my plan to obtain and keep on hand (in a safe of course) several hundred thousand dollars (at least three years operating expenses) in cash. How does one get untainted bills, or clean potentially tainted bills so that one can be positive they are not detectably contaminated? Going to the bank and asking for wrappers of brand-new 100 dollar bills seems like asking for trouble to me, even if you get less than 5000 per transaction, because you'd have to make many trips. I also doubt that you'd get away without serious discussions with federal agents if you just went in and asked for 100,000 in new bills. My guess is that all sorts of alarms would go off in all sorts of three letter agencies, who would be crawling up your fundament trying to figure out what you're doing with the cash.
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| 5647. |
Dennis
Plymouth, MI
Age: 36
Mar 25, 2009
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Deletion of records
I was just curious if anyone knew how long it took for a company, like an electric utility, cell phone provider, etc., to delete records for inactive customers. Or, if anymore whether they keep them 'forever'.
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| 5646. |
Shawn
Los Angeles
Age: 38
Mar 25, 2009
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Explaining Out of State DL #5624
(Marissa--San Mateo, California)
... Marrisa, Its no wonder why your case was dismissed. The charge was erroneous and clearly an abuse of the system.
I also live in CA with FL credentials. I have two CA registered vehicles in my wife's maiden name (both are financed and therefor don't work for NM LLC ownership) I have been pulled over twice since last June with no problems (two warnings). Officer asked me how come I have a car registered in CA and a FL license. I simply said that the car belongs to a friend and I'm using it while on business here in CA. All 100% the truth. In your case I might read HTBI again for truthful, legal creative ways to protect your privacy. Now all is compromised with a CA license as they I'm sure have your physical address and that is never good.
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| 5645. |
Lee
Flagstaff,AZ
Age: 30s
Mar 25, 2009
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Re: 5643 Andrew / Proving Canary Island Address
Thanks for the tips Andrew. So was the property management company's letterhead indicative of the Canary Islands address or did you use an Alaska ghost address?
I'm a little confused about all the different addresses. I know we can't use the Canary Islands address for anything besides LLC registration purposes, but assuming I purchase JJ's Alaska service, I will have 3 addresses associated with the LLC:
1) Alaska ghost address for mailing
2) local ghost address
3) Canary Islands address
I assumed the local ghost address goes on the company letterhead documents presented [to whomever] to confirm residence in the state which seems to be required in some circumstances, however I think the Alaska address would be provided for all other circumstances? Does the local ghost address defeat the purpose of stopping process servers or should I always use the Alaska address unless asked to prove residency in the state/county/city in which I would provide the local address?
My ghost address I will use for the company is local, however the address in Canary Islands which cannot be used for anything but LLC filing purposes
...
Note to readers:
... Lee writes, in paragraph two, "I know we can't use the Canary Islands address for anything besides LLC registration purposes." To avoid any confusion here, please note that he refers to paying an extra one-time fee of $99 to Kitty McMenemy. This is for a Canary Islands address to be listed on the NM Web site as the LLC's "principal place of business." In this, Lee is correct. ... However, there is a different Canary Islands address that is available. (The rates are the same as the ghost addresses available in Alaska and the Yukon.)
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| 5644. |
H.
Los Angeles, CA
Age: 54
Mar 25, 2009
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Money & Metal Detectors
Mr. Luna:
US Currency now contains metal "anti-counterfeiting" strips embedded in each bill. US Law requires persons leaving the US with more than $10K to declare this transfer.
Is it possible to go through an airport security checkpoint or metal detector with $10K in your pockets without without an alarm sounding, etc?
...
I go through them successfully with several thousand dollars but never with ten. Perhaps some other reader can help.
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| 5643. |
Andrew
Silver Spring MD
Age: 63
Mar 25, 2009
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Re: Lee, #5639
For my truck, Texas required me to provide some form of documentation that "tied" my name to the LLC. A generic business card, 50 of which which I purchased from the nearby Kinko's for about $20, showed me as the "President" and apparently sufficed. For my SUV, Pennsylvania wanted a copy of a utility bill to prove that the Canary Island address for my LLC was "valid." My explanation that the CI's were in Spain was irrelevant to them. So, on my return visit a couple days later, I presented a record of the LLC's monthly rental payments to the "property management company" that "owned" our facility, along with a statement to the effect that all utilities were included in the lease agreement. This was acceptable to them I was also required to show documentation that I personally was authorized to conduct business on behalf of the LLC with the Commonwealth of Pennsylvania. An "official" letter from my "partner" authorizing me as the "Senior Engineer" to do so was satisfactory. Not sure I would advise this tack for everyone, but it worked.
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| 5642. |
Lee
Flagstaff, AZ
Age: 30s
Mar 25, 2009
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Vehicle Title/Register EIN and Signatures
If there is the possibility of needing to show ID when titling and registering a vehicle even though the LLC will be on the paperwork AND use an illegible signature when selling, purchasing and registering the vehicle, has anyone had a problem if the clerk happens to compare signatures between your legitimate ID and your illegible signature? My illegible signature is completely different from the signature on my DL and passport, as it should be.
Can anyone normally justify having a multiple signatures for the same name, or if questioned, can it be argued that your signature is signing the words "member" (or insert something creative) instead of your real name, justifying the different signatures?
Along similar lines, what if someone does want to change their signature legally... is a court order necessary/possible or would simply a notarized document showing both signatures (new + old) suffice?
Now for my question about the EIN. I've read that some states want the EIN/TIN number and/or your drivers license number for LLC registration purposes. JJ said I could use the LLC's SCC number which is 7 digits and be made to fill 9 digits by prepending two 8's. This would be nice and easy, but I'm wondering about the "plausible deniability" of inserting two 8's and being accused of fraud. For example, inserting two 0's (or just using the 7 digits only) would give much more "plausible deniability" than two 8's, unless the two 8's mean something special or are in the EIN/TIN/SSN range that will never be used. Can someone shed some light on this?
I understand I may not need these things, but I'd like to be prepared.
...
I use various signatures and have never been questioned. As for "88," one of my clients used it with success but he was just refering to the year his company was formed: 1988. Using two zeros would be more reasonable.
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| 5641. |
shawn
Los Angeles
Age: 38
Mar 24, 2009
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FL Proof of Residence
Steve,
Thanks for the link. I see the new requirements. an unwanted omnipresent government always closing the gap. I didn't realize how easy they made it by allowing one of the documents for proof of residence to be a rental/lease agreement (I just downloaded one for a rental of ours). Planning ahead is most certainly a good idea. One must properly prepare in order to correctly comply with the obligatory statement below your signature stating the information you are providing, or are about to provide is truthful.
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| 5640. |
Steve
Ocala, FL
Age: 38
Mar 24, 2009
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Florida Drivers License #5629 &5632
Florida has some stiff new rules about your address. You will need to take serious note so that you may plan ahead. You must provide a real physical address and PROVE you live there. Our DL offices now require: one form of proof of residence such as: Deed, Monthly mortgage statement, Residential rental/lease agreement, Utility hook-up (or work order) dated within 60 days of the application. In addition you must prove your social security number. You have take these documents with you to get your license. You must plan this ahead and find a place to "rent" for a ghost address here in Florida. I have included a link to the Dept of Highway Safety for you to review. This will also be true for all future renewals.
Submitted Link #1: http://www.flhsmv.gov/html/dlnew.html...
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| 5639. |
Lee
Flagstaff,AZ
Age: 30s
Mar 24, 2009
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Letterhead Documents for LLC
I'm in the process of working on a document for DMV authorizing me signing privileges for my new NM LLC (Thanks JJ!) to title a future new vehicle. I'm having some difficulty finding a concrete example on the internet. I've searched this forum for examples and this is what I've come up with sofar:
1) company logo, ghost address, ghost phone at the top
2) the paragraph currently reads:
This letter is to authorize the bearer of this document signing and purchasing privileges on behalf of XYZ LLC. The bearer is currently the only authorized agent that may sign for the company.
3) a signature line named "authorized agent" for me to put my ghost signature
I realize I may need to swap out "bearer" with my real name so I can show ID if necessary, and/or a specific sentence specific to car registration to keep the DMV happy. I know I don't want to be referred to as "manager" (for lack of LLC authorization), and I know an LLC "member" controls the company, but am unsure to use "member" if I will be showing ID although maybe that's too paranoid. Besides those items and maybe some state specifics, I'm wondering if what I have is pretty bulletproof and if not, what wording should be added or changed? I've got lots more room on this 8.5/11 sheet of paper! :)
...
I have never needed a document of any kind to title a vehicle. Nor have I ever been asked for the LLC's documentation. Unless AZ is very different than other western states, I don't think you need anything at all.
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| 5638. |
Joseph
Sioux City, IA
Age: 25
Mar 24, 2009
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Where HTBI is valuable-
See the link- Mother was charged with manslaughter after the fact (Cert. of Death didn't mention manslaughter) and newspaper tracked her down to Penn. through Public Records Search.
Submitted Link #1: http://www.siouxcityjournal.com/articles/2009/03/2...
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| 5635. |
Eleanor
San Jose, California
Age: 44
Mar 24, 2009
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For Jennifer #5629
Jennifer, there are lots of "hotels" that rent by the week or month in Florida, especially in the resort areas. There are also hostels and YWCAs that do the same. Just make sure you find something in a safe neighborhood! A YWCA or "women in transition" shelter might be safest since all occupants should be women.
Sometimes people stay for a week, sometimes for months or years. I think if you rented one of those "hotels," there would be no question that you were living there, if only briefly. As long as the DMV has your ongoing mailing address so that you don't miss any mail from the government after you move, that should work. If you're still getting your expected mail, it would be easy to "forget" to update the residential address.
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| 5633. |
helmut
Kitchener,Ontario
Age: 69
Mar 24, 2009
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Elsy,#5607
FOR Elsy,#5607 and others with a more-than-USA TODAY interest in Canada:You do not have a Canadian driver license.You have an Ontario driver license. Canada is made up of provinces with constitution based separation of powers much like the 50 separate United States. Driving rules and traffic laws are provincial powers much as they are state laws in the USA.For your Ontario license renewal to look legal you will have to produce an Ontario mailing address.No jurisdiction(in USA or Canada )will mail a driving license to an address outside its "bailywick",except for the" active military" rule in the USA.
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| 5632. |
shawn
Los Angeles, CA
Age: 37
Mar 23, 2009
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FL Driver's License Exp.
RE:
Casey.
S. Florida,Age: 42,
Post Mar 21, 200
Casey,
I lived in S. FL for a year (06/07 to 06/08). I didn't have to show evidence of my legal home address for a DL when I appeared in person to obtain it. This was prior to reading HTBI.
Last I remember, FL DMV didn't mail me a license. They gave it to me on the spot. After reading HTBI What I did, was go to the FL version of the DMV website and made an address change to my license with a CMRA address. No hick-ups. Three days later I got a new FL DL with my CMRA address on it. With any luck I will be able to renew in 4 more years online without making any changes. It might be important for me to mention I moved as well.
Nevertheless, a number of large completely empty, finished, vacant new condo buildings exist in S. FL. (tremendous opportunity for temp invisibility) FL Light and Power was able to accommodate me and temporarily light up a vacant condominium for me. (FPL visits these condo sky-rises everyday for one purpose or another)
FL Power & Light mailed me a confirmation notice for service to the cmra I requested, but listed a the vacant condo address as the service address to satisfy another proof of residence need I had. After I received my notice i recognized that I mistakingly requested service for the wrong address and contacted FPL right away to offer an apology for my interim confusion.
I also ran into a number of very willing low-paid front desk managers and security personal willing to hold mail for me and call me for packages. It all comes down to how much time, creativity and $ your willing to invest in your privacy.
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| 5631. |
paul
Minneapolis, MN
Age: 54
Mar 23, 2009
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@ Brian, #5617 PO Box
I once tracked down a front organization to a PO Box. When I went to the post office to inquire about the box owner, the postal inspector told me it was private, because it was rented for business purposes. But I showed him a business-related newspaper ad that list the PO Box as a contact (this was in the days before email, boys and girls), he agreed with me that the box was being used for business purposes, and bingo--I had the name and real address of the individual. One advantage I had was that the box was at the main post office of a large city, so when I went to the postal inspector's office, I was dealing with someone who knew the regulations well. This incident was 20 years ago, but I think it points out the usefulness of having a ghost address behind the PO box.
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