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From / Date: |
Question / Answer: |
| 7854. |
Rob
Orange County, CA
Age: 39
Jul 29, 2010
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Purchasing CA home with LLC and Insurance
Buying a CA home with NM LLC.
Need to insure home through AAA.
Let's assume all goes well.
Five years later my property is damaged and I make a claim. Doesn't the check get written to the LLC? How would I cash it?
Or do you purchase the home in the name of the NM LLC and then put the insurance in your name?
...
Tha latter. My home is owned by an LLC, and I made a claim two years ago. The check was made out to me. No problem.
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| 7853. |
Everett
Panama City Beach, FL
Age: 58
Jul 29, 2010
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Cell Phone Stronghold Bag
Some readers might be interested in using this product instead of taking out the batteries in their cell phones.
Submitted Link #1: http://www.idstronghold.com/Cell-Phone-Stronghold-...
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| 7852. |
Chuck
West Monroe, Loisiana
Age: 50
Jul 29, 2010
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Flash Cookies
I use Firefox and have the privacy settings default to erase cookies and all files on closing the browser. If you have Flash installed on your computer ( for Youtube or other video), many websites set cookies (called LSO cookies) within the Flash player. Firefox cannot erase these cookies and you can be fully tracked by them.
There is a Firefox plugin called Better Privacy that will allow you to manage these cookies - or erase them completely on closing Firefox. The first time I ran it I had almost 700 cookies on our family Windows computer.
I highly recommend everyone use Free Open Source software whenever possible, even use Linux as an operating system, if they have the ability.
Submitted Link #1: https://addons.mozilla.org/en-US/firefox/addon/662...
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| 7851. |
John
London, UK
Age: 33
Jul 28, 2010
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Hackers to get eavesdropping lessons on cell calls - Reuters
Readers of Chapter 11 of How to Be Invisible will recall that scanners on cell phone frequencies are prohibited in the US by law.
However according to this article, it appears that it may now be possible to build such a device with other hardware and some open source software for as little as $1,500:
"A security expert said he has devised a simple and relatively inexpensive way to snoop on cellphone conversations, claiming that most wireless networks are incapable of guaranteeing calls won't be intercepted."
Submitted Link #1: http://www.reuters.com/article/idUSTRE66Q6NS201007...
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| 7850. |
leonard
columbia, sc
Age: 36
Jul 27, 2010
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prospective nominee for private bank acct.
I am trying to set up a private bank account with the help of a nominee.I have a trusted friend who meets many of the requirements, most importantly being judgement proof. He has relatives in a far way state, so a ghost address would be easily attainable. Also, nominee has a very common first and last name. However, the prospective nominee does currently have a bank account and would not be willing to close it. Also, he is on disability insurance and is rightly concerned about opening another bank account. Any suggestions? Because of the commion name, would a personal account still be fine even with the existance of the other bank account? Or, should I use the nominee to set up an account thru an llc and have him resign from the llc at a later date? Thank you.
...
You know your circumstances, we do not. These are questions best answered by yourself.
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| 7849. |
Sabrina
Sacramento, CA
Age: 34
Jul 27, 2010
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Transfering a CA property to a NM LLC
I want to transfer my existing property in California to a NM LLC. I will only be using the LLC for privacy. My questions are (1)do I have to register the NM LLC with the CA Secretary of State? (2) Will my property be protected for insurance purposes if I do not register the NM LLC in CA?
Thank you
...
(1) Apparently not. See post #7843
... (2) State Farm tells me yes. I own my own home in an LLC but insure in my own name.
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| 7848. |
beverly
dallas, tx
Age: 41
Jul 27, 2010
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LLC address?
When opening a NM LLC the address of the principle office...is that in the state I'm operating? We actually have a address in Nevada but operate in TX. which address should I send in my order?
...
If you order from Rosie, for example, she will form the LLC herself, using her personal address in Spain's Canary Islands. This is the address that will go up on the NM public website. She will then sell it to you, and you will use your own ghost address for the LLC when buying a car, property, or whatever. The only address you give her is where you want your documents mailed to. This address is strictly private--no one else will see it.
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| 7847. |
beverly
dallas, tx
Age: 41
Jul 27, 2010
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how to be invisible
How do we file paperwork for our nm llc to own our wyoming llc? We want the extra layer of privacy protection listed in HTBI book where one llc can own the other llc.
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I am not familiar with the current form you fill out each year for your WY LLC, but I assume it asks for the owner. If so, list the NM LLC.
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| 7846. |
Cliff
los angeles, ca
Age: 30
Jul 27, 2010
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Vehicle in a NM LLC
What is the difference between gifting a vehicle to a LLC and "selling" it? I understand that you would need to pay sales tax if you sold it, but are there any privacy ramifications for gifting it?
...
This was answered in a previous post. (Selling the vehicle outright gives you an extra layer of privacy.)
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| 7845. |
Ken
Santa Cruz, CA
Age: 35
Jul 26, 2010
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Home Phone and DSL with Verizon
Phew, just went through the ringer trying to get 'private' phone service with Verizon.
Last time I signed up for phone service (ATT), they immediately updated the credit bureaus to my service address (not at all what I wanted) and I got a torrent of junk mail as well as the discomfort of anyone typing me into Google and finding my address. I'm smarter this time.
1. I gave Verizon my first initials and last name. I denied providing my SS#, and told them I do not want my credit pulled, and that I would be happy to provide a deposit instead.
2. The friendly phone agent said that she would have to work with the 'Credit Verification' department, and got them on the line.
3. The Credit Verification people tried to bully me into revealing my SS#, DOB, and doing a credit check. They also refused to open an account without my legal first and last name. So I gave them my first name, and a fake DOB.
4. The Credit Verification department STILL used the credit inquiry database to 'confirm' my identity ... so that 'someone else can't open phone service in your name'. I have NO IDEA how they confirmed my identity with the wrong birthdate, but it went through just fine. The 'identity verification' questions were clearly wrong and completely irrelevant to me and my personal data. Odd.
4. I got an unlisted phone number, and just in case had the initial agent change the account information BACK to my first initials instead of first name. I also told them to opt me out of any information sharing and gave them a billing address to send all documentation to in a different state.
Next time: I'm opening a BUSINESS account using my LLC, and making up a name etc. as the nominee.
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| 7844. |
Frank
Arlington, VA
Age: 47
Jul 26, 2010
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The IRS does not authorize the use of nominees to obtain EINs.
FYI - I didn't know until today.
The web page cited was "...Last Reviewed or Updated: November 05, 2009"
Submitted Link #1: http://www.irs.gov/businesses/small/article/0,,id=...
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| 7843. |
Danny
Livermore, CA
Age: 32
Jul 25, 2010
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7763, 7764, 7770
Some exceptions to avoid the minimum franchise fee in California:
If this is of interest to you, be sure to read the whole document to have a complete understanding.
Page 2, Left Column:
Foreign corporations must be “doing business'” in California in order to be subject to the franchise tax. For example, foreign corporations that make deliveries of inventory warehoused in California based on orders taken by employees or independent contractors in
California are “doing business'” in California. As such,they are subject to the franchise tax even though they might not have an office or a regular place of business in California. Get Public Law 86-272 (September 14, 1959;
73 Stat. 555; 15 U.S.C. 381) and FTB Publication 1050 for more information on the types of activities that are
protected from state taxation.
Submitted Link #1: http://www.ftb.ca.gov/forms/misc/1063.pdf...
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| 7842. |
john
Miami, Florida
Age: 50
Jul 25, 2010
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Forcing people search sites to include ghost addreses
I just did a search of my self on peekyou.com and was wondering if it's possible to have my ghost addresses show up as a current or past address?Thanks
...
Past, no. Current, yes.
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| 7841. |
john
Miami, Florida
Age: 50
Jul 25, 2010
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Insurance claims and llc's
I'm about to quick claim rental property to a nm llc. After I do this, and at some point in the future if I have an insurance claim, will the insurance company issue a check to the llc?...if they do, I won't be able to do anything with the check.
...
I am not an expert in real estate but I've heard negative comments about quitclaim deeds. Check with a Florida expert on this one.
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| 7840. |
David
Concord, CA
Age: 32
Jul 25, 2010
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Credit Cards and Domestic Travel
Mr. Luna,
I thought this might interest your readers.
I noticed a while ago that many hotels and car rental companies require you to give them a credit card even if you're paying in cash. This of course produces a paper trail.
To overcome this, I purchased a $1000 Visa Gift Card. A friend produced a new card (issued in the name of a bank that doesn't exist) and copied the mag-strip information from the gift card to the new card.
Visa Gift cards are run as credit cards anyway, so there is no difference in procedure. When the card is "pre-authorized" for the typical $300-$500, it is accepted (because it has more than that available).
Since my name isn't actually attatched to the card in any way, there is no paper trail what-so-ever.
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| 7839. |
Alex
Chicago, IL
Age: 40
Jul 24, 2010
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Postal Return Address
For the return address, why not simply restate the "to" address but in a slightly different way (i.e. Billing - ABC Co. instead of the 2 lines with Attn: and then the company name)---The postal workers won't notice it and it's guaranteed to get where you want the mail to go (so long as you know the "to" address is correct). I never use anything other than the "to" address and no problems/issues whatsoever. Just make it slightly different, and abbreviate a lot more, for example. Even for packages, you can do this---the postal worker may notice but won't say anything---never has... If he/she ever does, claim it's a self-addressed envelope/package because of travel.
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| 7838. |
Hamish
Salem, Oregon
Age: 67
Jul 23, 2010
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#7837, Library User
Steph, does the library permit you to plug your own USB drive into their public computers?
If so, get yourself an Ironkey brand secure USB flash drive. Use the Ironkey's internal Firefox browser (NOT the Firefox or Internet Explorer browser on the library's host computer) to browse the Internet. And turn on the "Secure Sessions" feature. (Click on the little icon in the lower right corner of the browser window, so that it shows a green "ON" rather than a red "OFF".
The IronKey's Secure Sessions feature hides the IP address of the host computer from the web sites that you access via the its internal Firefox browser. (You may be entertained to find that the adverts displayed on Web sites seem to be directed toward consumers located in Canada or Europe rather Denton, Texas.)
You might also install the StartPage (= ixQuick) search engine in your IronKey's browser. That search engine does not disclose the IP address of the computer that you are using.
I carry my IronKey on a cellphone-style lanyard around my neck. I use the IronKey's Firefox, its Secure Sessions feature, and the Startpage search engine whenever I browse the Internet, whether from my home computer or from someone else's computer.
Submitted Link #1: https://www.ironkey.com/...
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| 7837. |
Steph
Denton, TX
Age: 53
Jul 23, 2010
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Library User
Hi, I use the public computers at the library. Even though I use custom setting on the privacy tab of Foxfire, I still get indications that websites know where I'm at. EX: I signed up at Fotki, a photosharing website and it automatically in Denton, Texas as my location. I also notice ads for my location at other websites. Is there anyway to prevent this while using public computers? I really don't want these websites to know my actual location. Thanks.
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| 7836. |
Brad
Woodstock, IL
Age: 26
Jul 23, 2010
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RFID Clothing Tags
(Reuters) – Wal-Mart Stores Inc plans to roll out electronic tags to keep track of individual garments like jeans and underwear, in a move that would help the retail giant control its inventories better, the Wall Street Journal said.
Beginning in August, Wal-Mart will place removable radio-frequency ID tags on individual garments that can be read by a handheld scanner, the Journal said.
The tags will help Wal-Mart workers to quickly learn which garments are missing from the shelves, the paper said.
The aim of rolling out the electronic tags is to ensure shelves are optimally stocked and inventory tightly watched, according to the Journal.
If successful, the electronic tags will be used for other products at Wal-Mart's more than 3,750 U.S. stores, the paper said.
"This ability to wave the wand and have a sense of all the products that are on the floor or in the back room in seconds is something that we feel can really transform our business," Raul Vazquez, the executive in charge of Wal-Mart stores in the western United States, told the paper.
Wal-Mart could not immediately be reached for comment by Reuters outside regular U.S. business hours. (Reporting by Sakthi Prasad in Bangalore; Editing by Valerie Lee)
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| 7835. |
Seth
collbran, co
Age: 50
Jul 22, 2010
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Re: Seth #7811 out of state vehicle ownership
"I'm assuming the Colorado does not have a similar tax and so you can live there indefinitely with MT plates. If not, explain how you are able to avoid that because maybe that would work here, too."
Colorado does have a personal property ownership tax on motor vehicles. The key to AVOIDING (not evading) this tax is that the vehicle must be legitimately owned by a business that has a legitimate business presence in Montana. In general, forming a Montana LLC and having a registered agent in Montana will suffice to pass casual scrutiny, like for an RV used infrequently and stored out of sight, but technically if you are not operating a "business" of some sort in Montana, it's possible that a judge in Colorado or Virgina might call it a sham registration and possibly tax evasion.
That's why I created an internet based news gathering organization that is hosted in Montana. I'm no lawyer, but it's my judgment that having a business based in Montana that owns vehicles licensed there is pretty unassailable. I can prove that my business is based in Montana, and it's entitled to own vehicles and loan them to me, even if I use them primarily in Colorado.
Montana has been protective of this system and has resisted efforts of Colorado to cooperate in stopping it because it brings significant income to Montana.
There is always a risk that some zealous prosecutor might try to make an example out of some out-of-state registrant by charging them with tax evasion or something, and this might be a bigger risk if you do not actually have a business presence (more than just a registered LLC) in Montana.
That's why I opted for the highest degree of legal legitimacy I could obtain short of actually moving to Montana.
But, there is risk associated with this plan, and one thing it does do is draw attention to your vehicles, which may bring scrutiny of you, personally, which is the antithesis of good tactics if one is trying to be invisible.
So, one has to assess whether the monetary reward and privacy is worth being hassled by some cop who objects to your not having in-state plates.
The low-profile system suggests that you suck it up and pay in-state registration and taxes, but that the vehicle be registered to a New Mexico LLC.
Montana registration is merely an option for those who have expensive vehicles in states that levy high registration taxes, like Colorado. But it's not without risks.
...
Note to readers: My vote, as Seth says, is to "suck it up and pay in-state registration and taxes, but that the vehicle be registered to a New Mexico LLC."
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