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From / Date: |
Question / Answer: |
| 7002. |
Adam
Tampa, FL
Age: 34
Jan 14, 2010
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#6993, Shawn, Canada banks
Shawn, I can't speak to branches in that specific part of Canada, but I have my Canadian account opened in Vancouver with BMO (Bank of Montreal) and I can very well recommend them as a bank.
Do exactly as JJL says, dress well, speak well, cheerful and relaxed in your request... a complete snap. If you do not open an interest bearing account, they won't need any social ID number, which was fine with me. I can do without the meager 2% interest for now.
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| 7001. |
Debra
Philly, PA
Age: 23
Jan 13, 2010
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Alternate to Paypal
Dave, I know about the other payment methods. I sell affiliate products. People I sell for use Paypal Mass payment. They only pay for affiliate sales with Paypal.
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| 7000. |
Dave
Rancho Palos Verdes, California
Age: 61
Jan 13, 2010
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Alternative way of accepting Paypal
I would like to add to the discussion of ways to accept Paypal without being subject to their questionable business practices.
You can signup for a third party credit card processor such as 2checkout which offers a Paypal payment option in addition to all of the major credit cards. That way you are totally shielded from Paypal's arbitrary freezing of accounts, etc.
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| 6998. |
Debra
Philly, PA
Age: 23
Jan 13, 2010
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Response to Michelle #6997
Michelle, Did you give Paypal your SS#? If so my advice will not help you.
If you did not give Paypal your SS# you have several options. I advise against using the debit card or using it too much because paypal will freeze it without notice. Based on my experience and my friends experiences this usually happens if the card is used outside your area. They base this on your zip code and other factors.
Another thing that happens is Paypal will pull money from your account if they discover or think you may be associated with someone who owes them money. My co-worker got a new phone number and the phone number was linked to a person who owed Paypal money. Paypal snatched money from their account.
I've had at least five accounts closed down by paypal for various reasons. I currently have about five active paypal accounts because I sell on Ebay and other internet websites. I would love to not use Paypal but Ebay and a few other websites make using Paypal pretty much mandatory.
Here's my advice. Do not use your real address with paypal. I usually use Hotels or Office buildings. Used a nominee to open two bank accounts for you. Link your paypal account to one of the accounts. When you are paid immediately transfer the monies from the Paypal linked bank account to the account not linked to Paypal. This will save you from waking up one morning to learn Paypal has all your money and you have to fax them a ton of documents to MAYBE get your money back.
This may be overkill to you. But, I have 20+ internet businesses with payments going to various paypal accounts. I will not use the same computer to access my paypal accounts. Paypal has been known to link accounts based on ip addresses ...
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| 6997. |
Michelle
Arlington. VA
Age: 45
Jan 12, 2010
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PayPal
I accepted part-time work from home today that requires that I accept payment through PayPal. Can someone please advise me of any "traps" to avoid when using them, I.e., can they transfer my money to a pre-paid VISA and how much personal information will I have to divulge? Thanks in advance!
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| 6996. |
bobby
Newport Beach, CA
Age: 71
Jan 12, 2010
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Registering a car in a NM LLC
Hello Jack
Thanks for all your great books & this website. I recently bought 3 NM LLC's from Rosie in order to register my cars & house. Here's my experience.
I went to AAA to register car. I always dress nice, not overdone, just neat. I spoke to the agent & he looked at my papers & said, "oh you've done this before right?". Of course I agreed with him. But this was actually the first time I ever did this.
I started to talk to him about the cold weather & how lucky we were to have sun & not snow. He continued to talk with me about all sorts of items I brought up just to make conversation, and try to avoid any tough questions. After a few minutes he said I would have to have Commercial Insurance in order to register the car in the LLC. I said "OK", I will see my agent, she's down the hall here at AAA. I didn't want to show any signs of being upset or disappointment.
I spoke with my agent and within twenty minutes I had a new Commercial Insurance Policy, & because I have multiple cars insured with AAA, I got a discount. The increase rate was not that much money at all.
She then put in the front of the line to get my car registered in the LLC. It was completely done in less than one hour. Two weeks later I got a refund because they now said I didn't need Commercial since it was a personal holding company with no else driving my vehicles. Of course I told them this in the beginning, but I usually go along with them if it accomplishes my goal.
Later that week I went DMV to renew my drivers license. I was nervous because I was going to use my new local ghost address. It went so smooth I couldn't believe it. Now both my car and drivers license are in my ghost address, with car in the LLC.
Thank you Jack.
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| 6995. |
Chris
Sea Cliff, NY
Age: 37
Jan 12, 2010
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auto title transfer to LLC/NY
Just came back from DMV after trying to transfer title to my NM LLC. I was told, that it could only be done if the car was over 10 years old,(it is)if not, a family member would have to sign as one of the officers of the company/LLC. However, when asked to fill out the new registraion form using the LLC name, the form still required not only my DL #, but my DOB, valid street address in NY as well as a new insurance card with the LLC name. Is the DMV in NYS correct or misinformed? If this info IS correct, this negates having a car transferred to my NM LLC because my privacy would still be compromised.
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First of all, if you ordered the LLC from Rosie, I assume you did NOT tell her that you planned to license a vehicle in New York, right? Because she would have told you it was probably not a good idea. (A few other states in that area are also getting difficult.)
However, having said that, you might still wish to title the car in an LLC because if your name does not show up on the registration, nor when the plate is run, then that's a lot better that using your own name, no? If any of you New York readers have titled a car in your state, please let us hear of your experience!
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| 6993. |
Shawn
Miami, FL
Age: 40
Jan 11, 2010
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Canadian Branch ID#
After reading HTBI, I feel the need to open a bank account in Canada. I am planning on flying up to Detroit, and going into Canada from their - either to Windsor or Sarnia. Does anyone know which branch is friendly. If you could provide me the Branch Transit #, that would be great - I really do not want to have to spend days going from branch to branch....
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| 6992. |
Robert
Sausalito, CA
Age: 49
Jan 11, 2010
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Online billing statements and moving out of state
Hi JJ - I've just finished HTBI and look forward to starting to put some of this into practice.
I've always avoided "paperless" statements because I don't like doing business online much - now, however, my bank and cell phone company frequently urge me to "go paperless." It occurred to me that this might be useful as i am planning on moving out of state next year. I currently have my PO Box as my billing address (I am now residing elsewhere from the original street address). If I move to online bill pay - then my bills (I have few), would always come to my email address and I wouldn't have to worry about ghost addresses or new PO Boxes for my bank and other bills that I can do this with. Am I missing something here, or is this a good idea? I have apparently, just "forgotten" to update my new street address with my various bill companies (I plan on living with roommates who already have utilities for the next few years, so that isn't a problem either).
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| 6991. |
Angel
Logan, UT
Age: 29
Jan 11, 2010
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RE: #6839/6875 - Visa prepaid gift cards
I responded earlier to Joe's question about using a prepaid Visa gift card for Gmail/Yahoo annual service charge. I said that I use a Gift2go card (available at Walgreens) and register it with a fake address.
Well... to my surprise, the Yahoo auto-renewal failed to accept my Visa gift card last week. After scratching my head for awhile, I noticed that the street address I used when registering the card, had a comma at the end (i.e. 123 4th Ave,). This was causing Yahoo's credit card address verification to fail. When I went to Yahoo and added a comma to the street address, they instantly processed the card and renewed my account.
Having some knowledge of setting up merchant accounts, I know that you can adjust the settings on the merchant gateway for different levels of security. Typically, the default setting for address verification is to match only the street number and first five digits of the zip code. It now appears that merchants like Yahoo are implementing a more strict address verification policy when processing credit cards.
From now on, I will double-check that the credit card info I give to the merchant exactly matches the info registered with the gift card.
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| 6990. |
Drake
LA, CA
Jan 10, 2010
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6986 - Passwords and PINs
I would suggest you make a list of your passwords, and a list of PINs, then use the information in the pages of the link below to develop a story you can tell yourself for the corresponding need.
One story may be for computers, one for banks, one for anniversaries and birthdays, etc.
The biggest problem people have with their memory is disorganized thoughts. If you can create a robust filing system in the first place you will be able to easily navigate it effectively and efficiently forever after. We NEVER forget, we only have trouble recalling specifics at will, when we don't have reference points and organized thoughts.
Submitted Link #1: http://www.buildyourmemory.com/pegging.php...
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| 6989. |
Alan
Austin, TX
Age: 29
Jan 10, 2010
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Vehicle Registration
Does anyone know of which states I can register my vehicle with an out of state "foreign"address?
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If you live in Texas, I suggest you license your car in Texas, especially if you are going to use your own name. Or, if you use an LLC, why not use a ghost address in Texas for the LLC?
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| 6988. |
Alan
Austin, TX
Age: 29
Jan 10, 2010
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Money
How do I cash my work checks without a bank account or for a substantial fee? Also, in the past I have submitted my info to universities for attendance, looking back and from reading HTBI, I see this was a poor move (although since I am now in the medical field it was almost impossible). Since there is not a way to erase my info from their system, how to I obtain HTBI with these institutions who have virtually all info on me? (passport, marriage cert, etc.) ?
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Sadly, one of the penalties you pay by entering the medical field is a lack of privacy. However, I see no reason for not establishing a bank account per the instructions in "Invsible Money."Further, you can still hide your home address, can you not? And the ownership of your car?
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| 6987. |
Tom
Denver
Age: 65
Jan 10, 2010
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PDA pin, password storage Response
I was early adaptor to the Casio products. You can purchase a older model iPhone. There are several apps which store encrypted PIN's, passwords, bank accounts etc. To name a few: My Eyes Only, Lockbox, and Password. They can be backed up to a laptop.Once loaded, the phone does not need to be active on a network for these apps to work.
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| 6986. |
Josef
Port Huron, MI
Age: 34
Jan 10, 2010
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Can you recommend a PDA or similar product for storing passwords,PINS,etc.?
For years, I relied on inexpensive electronic organizers(like sharp wizards)which were low-tech and reliable, no blue-tooth or wireless capability to worry about. No recharging, just replace the wafer battery once per year or so. As the Wizards became unavailable at stores, I switched to entry-level Palm Pilots, but have had horrible luck with them. They seem to only last a year or so then just stop working. So, can you or your readers recommend an inexpensive, highly portable alternative that I can easily slip into a pocket? I need to be able to retrieve many multiple passwords,PINS, etc., when on the fly. Using a cheap laptop computer would be much too conspcicous, not to mention bulky and cumbersome to tote around.
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| 6985. |
Lindsay
Beverly Hills, CA
Age: 30
Jan 9, 2010
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Low-cost overseas address needed
All I need is an address overseas for a domain name. I would expect to get not more than one or two letters a year. (I might also use it as a return address on normal correspondence but unless the address or postage was incorrect, the letter would never show up at the overseas address.) Do you offer anything like that?
...
Yes, for just 27 cents a day (3 year minumum). Although it is not currently offered on this Web site, you can contact Rosie for details. It's called the "PG" address.
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| 6984. |
Craig
Chesapeake, VA
Age: 55
Jan 9, 2010
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Re: 6978 - Titling a car in VA using an LLC requires a Federal EIN
Using a Federal EIN kept my name and SSN off the records and registration, BUT
the VA DMV agents would not let me use an international address as the address of the LLC - they required I use the US address of the LLC on the IRS EIN letter.
They told me NO company can register a vehicle in VA without a US address.
I'm skeptical but was unable to think of any points that might have persuaded them as I was standing there talking to them beyond the "not doing business" approach.
It didn't matter to them that I wasn't doing business with the LLC and this was a personal vehicle.
On the positive side, they were patient and took the time to discuss it with me without threatening or bluster. This may not be representative of all VA DMV agents, but it kept it civil and informative.
...
Would they have accepted an Alaska address?
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| 6983. |
George
Pomona, CA
Age: 27
Jan 9, 2010
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How to Survive an Abduction or Hostage Situation
I think this is an excellent write-up for people in a bad luck situation.
Submitted Link #1: http://www.wikihow.com/Survive-an-Abduction-or-Hos...
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| 6982. |
Hu
Ayutthaya, Thailand
Age: 54
Jan 9, 2010
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VA Title information
Here is part of the Va code of Registration. It says the SSN of the owner, if any. Would the LLC be considered the owner, and if so than wouldn't a SSN not be needed or am I just beating at Wind Mills<
>Virginia Code § 46.2-623 -(ii) the Social Security number, if any, of the owner and, if the application is in the name of an employer for a business vehicle, the employer's identification number assigned by the United States Internal Revenue Service;<
Submitted Link #1: http://law.justia.com/virginia/codes/toc4602000/46...
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| 6980. |
Craig
Chesapeake, VA
Age: 55
Jan 8, 2010
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Re: 6978 - Titling a car in VA using an LLC requires a Federal EIN
It looks like any vehicle titled and registered in VA must have an SSN and/or EIN associated with it.
From the Privacy Notice section of VSA 17A (07/01/2008) –“APPLICATION FORCERTIFICATE OF TITLE AND REGISTRATION”:
The information, including Social Security Number, is requested in accordance with Virginia Code §§ 46.2-623 and 46.2-629.
Any person who refuses to supply the required information will be denied a Certificate of Title and/or registration.
Titles and registration records may be disseminated, in accordance with §§ 46.2-208 through 46.2-214, to business, law enforcement or authorized government entities.
From the searchable Code of Virginia:
46.2-623. Statements in application.
A. Every application for a certificate of title shall contain
(i) a statement of the applicant's title and of all liens or encumbrances on the vehicle and the names and addresses of all persons having any interest in the vehicle and the nature of every interest in the vehicle;
(ii) the Social Security number, if any, of the owner and,
if the application is in the name of an employer for a business vehicle, the employer's identification number assigned by the United States Internal Revenue Service;
and (iii) a brief description of the vehicle to be titled or registered, including the name of the maker, the vehicle identification or serial number and, when titling or registering a new vehicle, the date of sale by the manufacturer or dealer to the person first operating the vehicle.
It looks like the only option is have a nominee using your ghost address get an EIN and register for you, though your nominee would be on the IRS record as the "Responsible Party of the LLC" as the IRS online EIN application describes the person.
Thoughts, anyone?
Submitted Link #1: http://leg1.state.va.us/000/src.htm...
...
I suspect that although an SSN is required (unlike most states), only the LLC name and address will show up on the registration. You might wish to check this out.
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