"The FDIC findings are based on research by the US Census Bureau. The survey represents the first time that this data has been collected to produce estimates at the national, regional, state and large metropolitan statistical area levels, the FDIC says."

After reading this article, I am concerned by how much info they must have asked for to gather this much data. It says this is the first time they have asked for this info. The more I think about this, the more I am understanding just how invasive this census truly is. I need to practice being stubborn.

Submitted Link #1: http://www.centralvalleybusinesstimes.com/stories/...

When working as your own boss, you may sometimes reach a point with certain clients where you simply have to “fire” them to:

A) Protect your privacy B) Protect your assets C) Protect your freedom D) Avoid other unreasonable requests

Today I found myself in the unfortunate position of realizing that I have to “fire” my most valuable client. Without going into too much detail, they are part of the “financial services” industry and are saturated with corruption, regulatory violations, and (funny enough) extreme nepotism. This move will no doubt put a massive dent in my revenue stream and will most likely require many sacrifices in my personal life, but no amount of money is worth the stress or the prison time that comes with dealing with these types of individuals.

When working for yourself, never let the dollar get in the way of your morality.

For the WRAL(dot)com story see the link.

With the 'electronic data sharing' technology push in ObomaCare what is the best way to keep your medical information secure and safe from medical cyber space?

Submitted Link #1: http://www.wral.com/news/education/story/6547340/...

I’d like to share my nightmare of an experience registering another of my vehicles in the name of an LLC at a So-Cal AAA office yesterday. This time I happened to be in Riverside County and went to another AAA office to see how easy it would be. After waiting in line, I was happy to see I would be helped by a female clerk. My happiness soon faded…

After sitting down and explaining that I’d like to gift my vehicle to my LLC, she immediately said “That is not possible.” I politely stated “Actually, it is. I’ve gifted and registered several of my vehicles at AAA offices under my company.” She got up to ask a supervisor if it was possible and after a few minutes returned and said “You will need a letter from the California Board of Equalization giving you permission to gift the vehicle.” I stated that the business does not operate in California and she cut me off saying “It doesn’t’ matter. You would have to sell the vehicle to yourself for fair market value to avoid this requirement.” Not wanting to spend the $2,000+ dollars and knowing that she was flat out incorrect, I requested that she call the AAA clerk at the other office I most recently visited. She stated “Well she must have done it wrong, because the DMV won’t allow it. Also, different AAA offices deal with different DMVs.” At this point I knew I was dealing with someone who just didn’t know what they were doing, so I requested that she call the DMV and ask them. After calling the DMV and specifically asking “can this person gift the vehicle to their corporation – the business doesn’t operate in California”, the DMV clerk stated “They will need a letter from the CA Board of Equalization.” She looked at me and said “See!? There you go!”

At that point I realized what was happening. I took a deep breath, regained my composure, and politely stated “Ma’am, I have done this MANY times before, and I assure you, it is not necessary for an LLC, but is required ONLY for corporations”. She immediately replied “Ohhhh this is an LLC???? Hold on one second.” She got up to speak to her supervisor again, came back, and said “You’re right! It’s not required for an LLC!”

Thinking I was home free, things got even worse. She began processing the registration and printed out a copy for me to review. To my dismay it showed some mutant address on it listing both the RESIDENTIAL ghost address street immediately followed by my PO Box number, but with only one city and ZIP code (even though the addresses are in different ZIP codes). Confused beyond belief, I stated “Oh there must be some mistake… You accidentally listed my residential address instead of my mailing address.” Proving just how poorly trained she really was, she stated “I didn’t make a mistake. ALL registrations are like that.”

At that point I decided to stop being nice, set her straight, and make this thing happen. I looked her square in the eye and said “YOU ARE ABSOLUTELY WRONG. What if someone wants to murder my family? Do they just break into my car, open the glove compartment, grab the registration, and find out my home address? OF COURSE NOT, THAT IS THE PURPOSE OF A MAILING ADDRESS ON THE REGISTRATION. DO THAT MAKE ANY SENSE TO YOU?” Seeing a little light turn on in her head, she handed me a “registration correction” form, told me to write in “do not want home address listed due to personal security”, and 5 minutes later I walked out with my new registration with only a PO Box listed.

The moral of the story? Don’t give up when a hardheaded or poorly trained clerk thinks they know more than you. Stay persistent and exhaust all avenues before walking away and trying another clerk/office.

Good luck…

... Well, Mike, I see another moral to this story. If they don't treat you nice at one office, just try another. I speak from personal experience!

Recently I had a client whose soon-to-be-divorced wife was tracking him via cell phone. His wife was also getting his text messages. She'd show up at the most inopportune times, like when he was at a motel. I didn't have a chance to examine his phone for tracking apps (they are available for smartphones!), but it was obvious to me his phone was compromised. I advised him to get a new phone with a separate carrier and dump the company phone he was using (family business). If you own a smartphone, you definitely need to limit access to it as you would a computer.

Most phones have a feature whereby one can disable the location features, though I am sure it does not disable e911. I am not privy to all the features of e911 that are available to law enforcement and whether they can track a phone with the location features disabled outside of 911 calls. The e911 feature cannot be disabled.

Most people are not aware that GPS has evolved into AGPS, so that when a satellite GPS signal is lost, say in a large building, AGPS reverts to triangulating from cell phone towers, which is not nearly as accurate. In my experience with a nat'l provider, a satellite signal can track my phone to within 10-20 yards of its location when it's got a clear satellite signal, like when it's in my car. If the signal is jammed by a building or some other structure, the location jumps out to 150-200 yards, or more. Again, this is with the location feature ENABLED. Disable the location feature built into your phone for added privacy.

FYI, Carl

... As stated in the instructions, if you wish to separate paragraphs, you need to add the html code. (I added the codes this time.)

I totalled my car a couple of weeks ago and will handle my next vehicle with privacy in mind: buying from a private owner in cash and registering with an LLC. I don't know whether to look forward to my first LLC car registration or to dread the potential headaches and unanticipated pesky questions.

I was curious to see if my LLC would really be listed on New Mexico's web site, and indeed it is. For those who would like to check out their own LLCs, use the search box in the link below.

Submitted Link #1: http://www.nmprc.state.nm.us/cii.htm...

There is a lot of pressure to go to college and I know I don't actually want to but I'm not sure what else there is sometimes. I've wrestled with the idea of if I should or not for a few years now. Any chance I could check out your ebook too? I'd really like to avoid college if I can. I don't want to be anywhere near all the parties, drugs and debauchery...

I try to live a clean life close to the divine and I know college definitely isn't an environment conducive to what I really care about in life. It seems like college would mostly just fill my head full of 95% useless information and occupy so much of my time that I can't focus on anything that matters to me. Seems more like brainwash in a lot of ways.

(1) Should I pay off the vehicle, and use it for NM LLC, or sell it and buy a diff one using cash for this purpose?

(2) Also, I have scoured the site and have yet to see someone in Canada successfully use a NM LLC to register a vehicle there. Is this possible?

(3) Lastly, before we move, will it be prudent to keep a ghost address, mail forwarder, and friend/nominee here in the states? I have a US based business and want to maintain a US address so my clients think I am still in the US.

Thanks for all you do.

... 1) It might be simpler to sell the RAV4 and get a new one in Canada, but check first. Perhaps you can license the SUV in Canada without paying tax. But if that doesn't work, contact me. I know someone who is looking for a 2007 RAV4 (All wheel drive).

... 2) Not that I know of.

... 3) Yes. You might even consider the Alaska ghost address if not much actual mail will be involved.