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#: From / Date: Question / Answer:
6393. Otto
Pasadena, CA
Age: 41
Sep 9, 2009
Private Vaults
Thank you, Tom. I have some brief questions for you.
A] What happens to the items in the vault if you die? The iris scan seems to prevent friends or family from retrieving your belongings in that situation.
B] What information was requested when you signed up for this service?
C] Were any restrictions given as to what you can store there, and how do they insure compliance? (I ask this because it is the first sign of intrusion I can think of.)
D] Must you schedule your visits or can you show up at the facility unannounced - literally 24/7?
E] How did you hear of this type of service, and of this company? What moved you to test it?

Thank you for sharing. This is informative. The answers may help flush out Big Brother or reveal His methods...


6392. jay
Phoenix, AZ
Age: 35
Sep 9, 2009
Geico - private insurance cards
Here's a boon for insurance with Geico: I signed up a couple months back VIA a Tracfone telephone and paid the policy VIA a MoneyGram transfer at Walmart. I switched to them because I had never used them before and I had successfully gotten some privacy procedures in place, including titling my vehicles in NM LLCs. I had used a ghost address as my physical location even though I wanted all mail to go to my PO box, but they made the physical address my mailing address by mistake. I left it that way for months, but just recently switched my mailing address to my PO box because they kept sending mail correspondence to the ghost address. I just got the policy change documents back as a result of the address change and noticed that different from my previous policy documents that indicated my vehicles "would be" garaged at the physical location address I had given them, the following NEW statement was only the NEW policy documents, "The insured vehicle(s) will be regularly garaged in the town and state shown in item 1, except as noted in the Vehicle Segment". The Vehicle Segment section showed ONLY the city and ZIP code. Furthermore, the new ID cards I ordered (to see what they would show), list NO addresses! No physical address, no PO box address; just the vehicle and my name and my policy number. If I recommended a friend switch to Geico for these privacy benefits, and for some reason their insurance cards still have an address, I'd suggest calling and asking it to be removed for privacy purposes. Remember, law enforcement can access DMV records, so there is no reason an address should have to show on the insurance cards stored in the vehicle since a thief might be able to use this against you. Seems like a totally valid thing to ask for. This privacy benefit may require changing your mailing address with GEICO to a PO box, but all of us regular readers of this site have a PO box, right? Perhaps this is an Arizona "thing" as well, but I wanted to pass along this information...

6391. Atlas
Cumming, GA
Age: 42
Sep 9, 2009
Death of privacy, especially when online
Jack I am a big fan of your work! Longtime reader of HTBI. I thought everyone would be amused or interested in the adventures of Wired Magazine journalist Evan Ratliff. They held a $5,000 contest to see who could locate Mr. Ratliff while he attempted to "vanish" and still maintain his many online activities. By studying and learning how he was caught, I think this will serve as a good lesson about the methods other people could use to track you down by using contextual clues. Cheers!

Submitted Link #1: http://blog.newscloud.com/2009/09/how-we-caught-ev...

6389. TOM
DENVER, CO
Age: 64
Sep 9, 2009
PRIVATE VAULTS
I have tried a service in Vegas (24/7 Private Vaults). The service is anonymous. The security to enter is a key pad, iris recognition, and safe deposit box key. Your name is not attached to the account. I have tested it for a year, made 3 visits. I only store a few non-critical documents for the time being. It is reasonable and works well. Thet have boxes ranging in size from your 4" safe deposit box to gun safes.

My only concern is that big brother could be watching.

6388. Paul
San Francisco, CA
Age: 28
Sep 9, 2009
Pre-paid
#6383 Is there anyway to get the Amex(or anything) w/ a fictitious name/address on them. Most online purchases require name/address. This is in regards to purchasing an online membership of some sort w/ no deliveries to anywhere(E-harmony, market analysis, political, etc.).

6387. Stan
Atlanta
Age: 44
Sep 8, 2009
Low cost College
StraighterLine let students move through courses as quickly or slowly as they chose. Once a course was finished, Solvig could move on to the next one, without paying more.

In less than two months, she had finished four complete courses, for less than $200 total. The same courses would have cost her over $2,700 at Northeastern Illinois, $4,200 at Kaplan University, $6,300 at the University of Phoenix, and roughly the gross domestic product of a small Central American nation at an elite private university. They also would have taken two or three times as long to complete.

And if Solvig needed any further proof that her online education was the real deal, she found it when her daughter came home from a local community college one day, complaining about her math course.

When Solvig looked at the course materials, she realized that her daughter was using exactly the same learning modules that she was using at StraighterLine, both developed by textbook giant McGraw-Hill. The only difference was that her daughter was paying a lot more for them, and could only take them on the college’s schedule. And while she had a professor, he wasn’t doing much teaching. “He just stands there,” Solvig’s daughter said, while students worked through modules on their own.

Submitted Link #1: http://www.washingtonmonthly.com/college_guide/fea...

6386. john
Atlantic Beach NC
Age: 49
Sep 8, 2009
NC DMV LLC NC DL Required for title & tag
I'm stumped The NC DMV requires a NC DL for the sale or purchase of a vehicle LLC or not.
Any ideas?
Thanks in advance
John


Submitted Link #1: http://www.ncdot.org/dmv/vehicle_services/registra...

... Most if not all states require some sort of ID, although not necessary a local DL. (I show a passport each time.) However, I doubt that your name will show up when a license plate is run, if you title the vehicle with an LLC.

6385. Billson
New York, NY
Age: 44
Sep 8, 2009
re: #6383 Prepaid cards online
Clay, I checked out the AmEx giftcards today. The bank teller informed me that for amounts above $100, you have to buy them directly from AmEx. I took this to mean you have to use your own credit card to buy them. This gives you privacy from vendors you buy things from. But it does not give you privacy from the credit card companies and that is mainly what I am after. Any suggestions?

6384. Iris
King George, VA
Age: 40
Sep 8, 2009
kids and privacy
Marc-I homeschool my boys, but reading HTBI and dealing with a stalker has opended my eyes to how little privacy one has unless they make it a on going priority in their day to day life. I hope your tips will give others something to think about if they their kids are in public school.

6383. Clay
New York, NY
Age: 42
Sep 7, 2009
re: #6379 Prepaid cards online
See my post #6359. The Amex is great for any website where they do address verification, whether you're buying something shipped or online content. If they don't do address verification, any of the prepaid credit card / gift cards will work. How to know whether they do address verification? 1) Contact them via email or phone & ask. 2) Read their Terms and/or Privacy policies--they will often mention it in there. 3) Try it--get the Amex card, try to make the purchase without adding "personal info". If it doesn't work, then add the personal info. A private way to call 800 numbers (like the Amex customer service) without a pay phone--use VOIP at gizmoproject.com (either download the application or use the online keypad). All you need is headphones & any microphone that will plug into your computer. Calls to 800 are free & if you download the application, you can use a proxy server. Need internet connection faster than dialup, but nothing super speedy. Any wifi hotspot will do.

6381. Randy
Johnston, IA
Age: 45
Sep 7, 2009
College for $11 per Day (or Less)...
Re Wendy, #6371: I agree with JJ that many people should not attend college, but I also agree with Wendy that many people legitimately need/want to. Dr. Gary North insists that there are ways to get a college degree far more cheaply than most people do or imagine. Check the info at the link provided below and be sure to watch the short video (second line down).

Submitted Link #1: http://www.lowestcostcolleges.com/...

6380. Marc
Seattle
Age: 52
Sep 7, 2009
#6378 - Iris - Childrens privacy

First, don't use the bus. Take them yourself or get a friend to.

Second, consider using a small private school.

We use a church based school with approximatly 55 students(k-6). Since I take her to school each day I know all the staff, about 8 people, and most of the students and parents. Since the school is church based it tends to be conservative and since it is small the staff are very flexible about privacy and other issues. If they lose too many students they could lose their job. It's also not too expensive.

6379. Paul
San Francisco
Age: 28
Sep 7, 2009
pre-paid cards online
What is the best pre-paid ONLINE card for anonymous purchases when you're NOT having something delivered? For example, dating sites like Eharmony, etc.? I've heard a lot of these cards don't work online(w/o a name on them anyways) and I don't wanna get stuck w/ a useless one. Any and all suggestions welcome.

Glad I found your site, great info!

... Have you also checked my blog?
www.invisible-privacy.com

6378. Iris
King George, VA
Age: 40
Sep 7, 2009
Children & privacy
I hadn't really thought about it until after reading HTBI and then seeing the full page ad in our local newspaper...the school bus schedule! This schedule tells me the school (elementary, middle, or high=telling me age range of children), house address that the bus stops at, and what time it will be there.

This schedule could provide lots of information to a pedophile, stalker, PI, or whomever. Additionally; sommeone could check the list of students and their assigned classroom/teacher posted on the school doors. There are lots of ways this informmation could be used outside its intended purposes.

It may sound a little on the side of paranoia; but your family information is on public display.

... Good point, Iris!

6377. Abagail
Chicago, IL
Age: 30
Sep 7, 2009
RE: Private Vaults (post #6370)
Otto, I think (and would be interested in hearing what others have to say) that, generally, as soon as you rely or trust an outside entity with your data, you've potentially lost your data. Now, I only mean this literally in terms of having them pickup/deliver back your data files, disks, or whatever it is. I personally know someone that lost a hard-drive forever by sending it to a repair facility. They switched his with another customers' so he got someone else's hard-drive (which he returned to the customer, it had very sensitive financial material on it, he had to find a letter to figure out who the hard-drive belonged to, he never got his back though). If they allow you to personally place your documents or valuables into the vault yourself, then it seems like a potentially great service. I would still keep another backup somewhere else however. The anonymous account sounds terrific on the surface, yet I would be cautious about that - they and their facility is in America, after all, not in a country that values privacy or understands numerical accounts. By advertising basically what is just like the number-based swiss bank account (no name, etc), they have to be already be on the radar. That detail should have been kept under wraps IMHO, something they could reveal to callers if and when they enquire what info is required to open an account. The implicit assumption is that you could store tons of cash or your "medications" in the vault anonymously, and that obvious possibility is bound to attract attention, I would think. Without any account information, then I would think it would be more likely that an actual search would/could be done. It seems like a good enough reason alone. Additionally, Florida has its share of problems so it probably would be better to be located somewhere like Idaho or Iowa, for example, but for obvious reasons, Florida has got to be much better for building a privacy/anonymous-oriented business.

6375. Seth
collbran, co
Age: 50
Sep 6, 2009
Voting, CCW, and what I can still do
Mike wrote, "After reading many of the posts regarding voting I slowly and with much wrenching psychic pain came to the conclusion that voting and privacy are largely irreconcilable. *Then* I read about concealed carry. I consider the right of self defense to be more important, especially to me personally, and realized that voting is not even remotely my problem of first priority."

Absolutely correct. I will be facing the same conundrum shortly, when my existing permit, which is from a county different from where I live now, expires. Technically I'm supposed to notify the Sheriff within 30 days of a change of address, but I still own property in the old county, so I can plausibly say that that is my true place of residence because I have an "intent" to return there to domicile. I keep my post office box in that community for that reason as well. Presuming that I don't sell the property in the next month or so, I'm going to renew my permit in the old county, which will keep me for another five years. Then comes the hard decision, whether to comply with the law and provide my true address or try to skate around it. I'm leaning towards renting an apartment somewhere for a month and using that as the renewal address, but never actually living there. Alternatively I may use the street address of close friends nearby. Or I may dispense with the permit entirely, given the fact that only once in 25 years of concealed carry have I ever encountered a situation where it mattered, and that was during an accident investigation where I could easily have just put the gun in the glove box when the trooper showed up, rather than wearing it and having him disarm me during the contact, which is legal in Colorado. One might claim homelessness, as the federal government allows the homeless to use a shelter address or even a park bench as a "legal residence" for the purpose of registering to vote, but this is likely to be detected unless you actually live on the street.

6374. Mike
Fairfax, VA
Age: 27
Sep 6, 2009
Voting, CCW, and what I can still do
After reading many of the posts regarding voting I slowly and with much wrenching psychic pain came to the conclusion that voting and privacy are largely irreconcilable. *Then* I read about concealed carry. I consider the right of self defense to be more important, especially to me personally, and realized that voting is not even remotely my problem of first priority.

I have come to the conclusion that I am going to carry as long as it is legal for me to do so, irregardless of everything else. That said, which measures are of use (keeping my true address out of deliverer's hands, the DMV, not having a home phone, etc), and which are consequently unimportant due to my true address being required for the concealed carry permit? On a side note, I could move to Vermont, no permit requirement for concealed carry.

Also, as a possible solution, albeit with rather intrusive results, what about moving yearly (or every 2, or 4, years to hit whichever elections) immediately following each election, registering the move 10 days or so before the election (whatever the minimum requirement is. Your actual domicile would only be exposed for 10 days, and furthermore you would not have to actually be in residence for those 10 days, but actually moved out, but still paying rent, 11 days before the election. (Obviously not a very tolerable solution for the CCW if I have to defend myself on months 9 after the last move.)

6373. Drake
LA, CA
Age: 34
Sep 6, 2009
Tommy - 6353
"...Also, family court records are not public, yet my local newspaper published a family court legal notice including full names of both parties. How can this be???"

Tommy, you want to see something in the newspaper that will curl your hair? Look at the link below. Absolutely NOBODY needs to have this detailed information plastered across the small town they are moving to, or the Internet. Shame on the 'reporter' who listed private details in a column instead of writing a story. Any story! Now it is ALL 'public record'.

Think like a bad guy. What more can you want to know about your next target?


Submitted Link #1: http://www.currycountyreporter.com/news/story.cfm?...

6372. bobby
newport beach CA
Age: 72
Sep 6, 2009
ref mike #6322 & george # 6334
The thought of bartering with gold & silver coins seems a little far fetched. If in fact there is hyperinflation & true economic collapse, it would seem to me that gold & silver would be worth thousands of dollars an ounce and who could make change, You would have to sell or exchange your metal for currency to make your daily purchases. Gold & silver as an investment makes sense so that they will appreciate in value and increase your net worth. Mike, don't worry about the end of the world theory until 12-21-2012. And if that comes true you won't have anything to worry about. The thought of storing or hiding gold & silver coins & bars seems like a doom & gloom philosphy. I prefer to invest in gold & silver mining companies, in other words buy stock. George, you seem to be trading coins at your local coin store, as you mention they charge alot over spot for the 90% junk bags of silver and even gold coins. My experience is that your major brokerage firms that deal in metals charge only about 72-90 cents over spot for the 90% junk bags, and about $2.00 over spot on silver 1oz coins, and $40-$60 over spot on 1 oz gold coins. All the coins have a different premium, with the American Eagle leading as it is most popular. The cheapest seems to be the So. Africian Krugerand. They have all the various countries legal tender coins, no collector items, no nuismantic items. But remember, things do change. The major firms do charge to open an account & buy anything. They have a fee to buy coins & bars, and there is storage charge & a delivery charge should you want delivery. Also there is no privacy. They need to know who you are, SS#, DOB, legal address verified !! Shop around. turn to the Yellow pages. They have higher miniumn purchases. It sounds like you are waisting your time worring about the gold-silver ratio. Governments can change things. In the 1970's you had the Hunt Brothers trying to corner the silver market and the CFTC cancelled all new purchases of silver futures contracts. So as a result silver went from $52 to $3 over the next ten years. So where were all the buyers that said silver was, at that time, going to $100, They all became sellers of physical silver, silver came out of the woodworks. there is a time to buy & a time to sell. So that whole period is a useless effort of worry. If the trend is up, go with it. If the trend is down go with it. Gold is where it's now. Those who think silver is going to explode are dreaming to make money on the cheap man's metal. As gold goes over $1000 silver may get to $20. Well goody goody. Good Luck And if I'm wrong so be it.

6371. Wendy
Richardson, TX
Age: 45
Sep 6, 2009
Skipping College Isn't for Everyone
As I've said probably once a year since I've been posting here, just as attending college isn't for everyone--just around 28% of US residents complete college--skipping isn't either.

Ask yourself: do you want your doctor to have "skipped college"? What about your attorney? Your financial planner? The myriad other professionals who require a college degree to do what they do and serve us? I think not.

Similarly, not EVERYONE can run a business. It's far more complex than it appears and not knowing what you're doing--or not having the heart for it--can lead to ruin. Can it be learned by most people? Sure. But can everyone be a successful enough entrepreneur to make a living at whatever business they choose? Hardly.

I was an entrepreneur for nearly a decade before returning to school and getting my bachelor's degree. I have some graduate education but grad school bored me silly and was far to political. Where undergrad (at least USED to be) about developing your thinking skills/independent thinking, grad school is about group-think, go only this way and I was born an entrepreneur. I went to college because I WANTED to go and I went to one of the best schools in the world predominantly on a scholarship. (I've only ever had to take loans for living expenses because I was a mother raising a child who, himself, has been called to a career requiring a bachelor's degree or higher).

My nephew, on the other hand, has ALWAYS wanted to fix, refurbish and outright build cars. He requires vocational training not a college degree. And even WHEN he starts his own business (because that's what we do iin our family), he will have help from his auntie who did go to college and his mother who decided to return after many year out and is clocking nearly straight A's in a top, online undergrad program.

So, I'm a bit frustrated by the single-minded focus on "skipping college" when doing so is as impractical for some as going is for others. Moreover, I sense some resentment and/or even snobbery from those who may not have gone and think others who have/desire to are foolish. That's as unfair to those of who attend/desire to attend college as it is for those of us who have/are going to disparage your choice.

Don't skip college if YOUR true calling requires it. Plan and save for it starting as young as possible, get scholarships (some $93 billion annually go unused) and skip the debt). Go to a community college for the first two years and transfer to a four year from there. Learn how to preserve your privacy (um, yeah, you gotta forget posting those college binging photos and sharing your life story and your every thought on Facebook and Myspace!) and then prevent your school and others from violating your hard won privacy. (My son's school rarely uses nor requires social security numbers, for example. He now refused to provide them EXCEPT to apply for financial aid. And, BTW, I have NEVER had anyone obtain my financial aid transcript and use it against me. That's like getting somebody's tax return--actually, it's far more difficult. So, I don't worry about that.)

Despite not needing to have a degree to be a successful entrepreneur, I will never bitterly regret having obtained my degree. I learned more from the experience than I did from any books there could ever have taught me and grew in ways I could not have as just an entrepreneur. In fact, I'm a BETER entrepreneur (who is moving into teaching others how to be outstanding entrepreneurs, with or without a college degree.)

And, like or not, even entrepreneurs with bachelor's degrees get more and better opportunities than those without. It's one of the few places that stats can't be effectively skewed...they are what they are. (See link below.)

So, if you don't think college is for you, don't go. But if you know it is, especially if your calling requires it, don't "skip college" because others you know chose not to attend or were bitterly disappointed, debt-ridden barristas (sp?) at Caribou Coffee (since Starbucks is closing stores as even many college-educated individuals get laid off).

And for those who are considering returning, be smart and avoid the debt but, if this is your goal--even your calling--heed that call.

... I stand by what I say in "SKIP COLLEGE." At least half the students should never be there. I admit that for certain professions a degree is necessary. In all other forms of employment, you do NOT need a degree if you work for yourself. I quit college at the start of my senior year. I have never once been asked about a degree. As for a career in law, read the Appendix.


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