| #: |
From / Date: |
Question / Answer: |
| 8679. |
Melissa
Houston, TX
Age: 47
Jan 4, 2012
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NM LLCs
If I purchase a NM LLC and then use that LLC to purchase property (i.e., land or auto), if I decide later to sell that property, how is that done? Would I have to sell the LLC to the buyer, or can I just sell the property and keep the LLC? If I sell the LLC, wouldn't the new owner be responsible for paying a resident agent in NM after they purchase it? Thanks!
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Sell the property outright, and keep the LLC. Almost all buyers will wish to purchase the property, not your LLC, anyway. Don't scare them by even mentioning the alternative.
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| 8678. |
Anne
Los Angeles, CA
Age: 29
Jan 3, 2012
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DLs and Real ID
Dan - Many states are resisting Real ID compliance. From Wikipedia: "Arkansas, Arizona, Colorado, Georgia, Hawaii, Idaho, Illinois, Louisiana, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, New Hampshire, North Dakota, Oklahoma, South Carolina, Tennessee, Virginia, and Washington have joined Maine and Utah in passing legislation opposing Real ID. Similar resolutions are pending in Alaska, Kentucky, Louisiana, Maryland, Massachusetts, New Mexico, New York, Ohio, Oregon, Pennsylvania, Rhode Island, Texas, Utah, Vermont, Washington, D.C., West Virginia, Wisconsin, and Wyoming."
California, for all of its Real ID compliance, has never required I show anything other than my old license upon renewal (and let me renew online last year). Go figure.
There seems to be little consistency (some states don't even require a fingerprint...), so you might want to check the rules in the states listed above and take your pick. Do note, however, that some of them won't allow you to keep your Utah license.
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I do not know of any state that says you can keep your license from the previous state.
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| 8677. |
Dan
Moab, UT
Age: 46
Jan 3, 2012
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DL renewal
Going to get my DL in another state, any benefits from one state to another? I have not chosen one yet. Do all states participate in r-e-a-l i-dee? Some of my friends when renewing their DLs have had to submit marriage records, birth certificate or just a passport to be scanned by the DMV as a part of the verification process....
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Sorry, but I have no favorite state. Some prefer Arizona due to the long time before renewals but all states compare records.
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| 8676. |
Dan
Moab, UT
Age: 46
Jan 3, 2012
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Re: 8666
Re: 8666 Pamela
In general what are somethings to look for whem choosing a good attorney to help me with a home purchase as you described? Are most attorneys willing to help their clients set up utilities in the name of the trust or llc? Any advice on where I can get a general idea of what my state may or may not allow when trying to protect my privacy with a home purchase either with a mortgage or paying $cash?
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| 8675. |
Dan
Moab, UT
Age: 46
Jan 3, 2012
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Private Det.
I recently heard a story of a nefarious motorcycle group employing a private invest./ attorneys, to track down victims. Has anyone ever heard of this being done?
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I checked with a PI friend. His answer:
This basic scenario happens daily around the country. When the purpose of the service provided by the investigator is known to be pre-op for violence, the PI has the obligation to turn down the work and alert the potential victim/the authorities.
For the PI it is akin to accepting payment for spying against the US for Chinese Intelligence. When the approach is made, the correct response is to pull the alarm.*
We have a contract with society, just like everyone else. When a mobster, drug cartel, or any other organized crime group contacts us for services the answer should be, 'No. We reserve the right to refuse service to anyone. We will not accept your money and will not provide you with information. Please be on your way.' Breaking the law, or assisting someone else to do so is a violation of that widely accepted social contract.
Many PI's fail the 'Know Your Client' policy though. If a potential client refuses to give us information we need to check their story - or if they lie to us about anything - they lose their retainer and are dismissed. We deal in information. There is a bond of trust between the Agency and the client. The Agency is expected to be professional and to deliver the most accurate information available. If the client breaks that trust, the relationship is ruined.
The scenario can be shrunk down to the smallest scale too. That's why I say it happens daily, it is most often used by family members against each other or stalkers against their victims.
* If you think I'm exaggerating, read On The Wrong Side by Stanislav Levchenko (c) 1988
Pergamon-Brassey's International Defense Publishers, Inc.
ISBN 0-08-034478-X
Chapter 10 (pp 222-224)
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| 8674. |
Drake
Los Angeles, CA
Age: 36
Jan 2, 2012
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Passwords
The link below is an analysis of the Strafor hack. It is written in non-technical language and gives examples of BAD passwords.
Submitted Link #1: http://www.thetechherald.com/articles/Report-Analy...
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Thanks, Drake. There's a couple of passwords I am going to immediately change!
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| 8671. |
Pamela
Los Angeles, CA
Age: 31
Jan 1, 2012
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6888
Woops, yes I did mistakenly put my age as 3. I seem to have aged considerably since then... :)
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| 8670. |
bob
austin , tx
Age: 58
Dec 31, 2011
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trust
why should I pay someone to setup a NM LLC when I can form my own trust for free? it doesn't have to be filed either which is a nice benefit
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1. Trusts are not as widely understood or accepted as LLCs.
2.Trusts require a trustee who is willing to have his or her name in public records for
real estate or in DMV records, where as the LLC owners have an easier time keeping their name out of searchable records.
3. Trusts are trickier legal devices which can have unintended consequences for do-it-yourselfers.
Legal guidance is suggested.
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| 8669. |
Dennis
Charlotte, NC
Age: 42
Dec 31, 2011
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Low Profile Banking - Credit Unions
I read Invisible money and have started looking into small banks with only a couple branches, however are small credit unions just as good or is there anything you would advise against?
Pro's vs Con's of each or are they pretty much the same when it comes to low-profile banking?
Thanks
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For PI's, they are about the same as small banks with few branches with the exception that Credit Unions require 'membership' and many times a current member must introduce the new guy.
Since you are looking into Credit Unions, your safest move would be to find a nominee (such as a relative)that already is a member of a Credit Union outside your city/state who is willing to open a second account for you.
* Credit Unions often use ChexSystems, Inc., just like banks. (Though many don't http://nonchexsystems.org/.)
Interesting Related Reading:
http://chexsystemsrelief.com/
https://www.consumerdebit.com/consumerinfo/us/en/chexsystems/faqs.htm
http://www.firstdata.com/telecheck/index.html
http://www.debtconsolidationcare.com/collection-agencies/teletrack-telecheck.html
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| 8668. |
Charles
Atlanta, GA
Age: 35
Dec 30, 2011
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RE: 8666
Thank you Pamela for your thoughts about making the Living Revocable Trust irrevocable. I'm sure that you merely made a mistake in listing your age as 3 and that Mister Luna was only teasing you with his question about your age.
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| 8667. |
Heather
St Louis, MO
Age: 45
Dec 29, 2011
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Stalked by an ex
I had contacted you a few years ago about my husband's ex hacking into our bank accounts, going through our garbage, trying to break into our house, etc.. We have your books and have used much of the advice you offer. We recently moved across country because my ex has been "hunting" us after he kidnapped my youngest son (we got him back safely). We have a Protective Order, but that is just a piece of paper and cannot stop bullets! To top it off, my husband's crazy ex and my crazy ex have joined forces to "get rid of us". We have a PO Box under a NM LLC (thanks for that) in another city. My husband is a doctor and must register in the state he is working in so they have "tracked us" after a couple of weeks! The SSA gave us new SSN's because of the danger we are in, but that doesn't do us much good if we get found because we want to be legal and must register with the licensing board. Recommendations? My ex has also enlisted a rogue judge in WV (a buddy of his dad) to make judgements against me for visitation and WV doesn't even have jurisdiction! We have used every dime we have in legal bills and cannot afford another lawyer! What can we do to escape these lunitics (we will only do things that are ethical and legal)?
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As long as your husband registers in the USA, he will be found.
He could go international and he could work for Doctors Without Borders or something... maybe. At least that would give him a reason to be in another country, where he could set up other bank accounts and properties, etc.
I checked with a expert PI about your quandry. His answer follows. Please let me know what you eventually decide.
Jack ========================
An attorney recently asked if I knew anyone in the Russian Mafia - because his ex-wife was causing him problems. The doctor in Kansas and his wife seem to be in a similar predicament with their exes. Their resolve to only do what is legal and ethical is admirable.
This was my reply:
=====
Divorce is a crushing experience for most folks. It really can be cheaper to keep 'er.
Nobody has 'friends' in that organization - or similar organizations. They're not known for attracting or engendering friendship. They'd rather get a hook into you for a future harvest. They cause more problems than they solve. They've been found to be soul-less and unreliable at the lower levels - thoroughly penetrated in the higher echelons.
Always focused on helping; I wonder what issues you're having with the ex-wife.
Can they be solved if distractions arose in her life? (Leaving fewer hours in the day to poke at you.)
Are children involved?
Does her location bear any weight on her ability to aggravate you?
How big is her family and where are they located - and are they involved in aggravating you?
Do you feel your life or livelihood is at risk?
Is there no relief from the court system?
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The answers to the questions at the end would be used to begin planning how to distract the ex.
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| 8666. |
Pamela
Los Angeles, Ca
Age: 3
Dec 29, 2011
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Buying a home with a trust
A reader named Alan recently posted about trying to maintain his privacy by purchasing a house with a trust. I suggest he talk to a lawyer in his states - WA. I am a CA lawyer. In CA you can purchase a house with a trust and the name of the trustee. If you get a less experienced clerk at the recorder's office, maybe you can manage to only have the name of the trust recorded. Don't name your trust "Smith Family trust". Call it something not connected with you - Canary Islands Trust is a good example!
Make the trust revocable at first, for the purchase. Many banks require you to take a house out of a trust for purposes of issuing a mortgage. They realize it is a fiction and do not complain if you put it right b ack into the trust after the mortgage paperwork is signed - as long as the person taking out the mortgage actually resides in the property.
After the purchase, and the financing have gone through, file a Waiver of Revocability with the Recorder's Office. This makes your trust irrevocable. Check with your attorney for exact wording necessary in the trust and the waiver to preserve mortgage interest deductions, etc. A Personal Residence trust is pretty standard in these situations, and this does not vary from state to state as it is an IRS approved trust.
An irrevocable trust takes the real estate out of your possession, the benefit being that it is not subject to attachment should you ever be sued. If the trust puchases the real estate to begin with, your name will not show up in the county register, making you a less attractive lawsuit target to being with.
Can an attorney still find you based on the mortgage? Yes. A title search will reveal the debtor's name. But someone has to go to some effort to find it, it is not easily available info.
So bottom line is if you are trying to keep a low profile, and cannot afford to buy without a mortgage, then a trust is a good option. Not perfect, but good. If you are trying to be completely invisible, then you can't have a mortgage. Save up and have a trust buy the house for cash.
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Pamela, I assume you are more than three years old? (See your entry, above, left.)
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| 8665. |
Jimmy
Phoenix, AZ
Age: 38
Dec 29, 2011
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EIN # for LLC Bank Account
Im curious to know if banks verify EIN #'s when opening an account in the name of an LLC and conducting transactions? For Instance, many that open an acct in the name of an LLC for privacy reasons have said that they cancel the EIN after they do so. My question is, if you cancel the EIN and then conduct a $10,000+ transaction for example and the bank reports it to the IRS, does the IRS notify the bank that the EIN is not valid? Does the account get flagged etc? Curious as to what would happen in this instance.
Thanks
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I don't know the answer, and not all banks are the same. However, why take a chance?
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| 8664. |
James
Johnston, IA
Age: 49
Dec 28, 2011
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Privacy Goes Down the Drano
From the post listed below:
"If you buy a can of Drano in Illinois, you must register your name and address. The U.S. government plans to put you in its data base. Reason? You might try to attack someone with Drano."
Submitted Link #1: http://teapartyeconomist.com/2011/12/28/privacy-go...
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| 8663. |
Teresa
Lewiston, Idaho
Age: 49
Dec 27, 2011
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For Dan re: Kindle
Hi, Dan.
I have an Amazon account funded by pre-paid gift cards, with a throw-away e-mail address (Yahoo seems to be best). Friends agreed to have my orders sent to their addresses (under my Amazon name), and nary a problem.
Since I was just given a Kindle, I'll see if that works.
Good luck!
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Yes, Amazon will send to any address you give them.
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| 8662. |
oscar
los angelos, california
Age: 35
Dec 23, 2011
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HOW DO I GET A P.O. BOX WITHOUT GIVING OUT MY INFORMATION??
HELLO. I AM IN NEED OF A P.O. BOX BUT CANNOT GET IT IN MY OWN NAME. ANY SUGGESTIONS ON HOW I COULD OBTAIN A P.O. BOX WITHOUT GIVING OUT ANY OF MY INFORMATION???
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If you post again, please do not use all capital letters.To get mail in another name, use a nominee. It the mail will be in your name, see if the nominee can add your name to the account.
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| 8661. |
Brian
New York, NY
Age: 37
Dec 22, 2011
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paid membership plan forum
Re:#8659
and a paid membership plan mention.
If you decide to create a paid membership for a forum of privacy-minded folks I surely hope you would host the forum on servers located out of the country.
Since your canaryislandspress website specifically says
"This website deals with LEGAL suggestions as to how to maintain your personal privacy. "
Having a paid membership forum would not be for criminals but very specific topics would be forbidden but I hope not nearly as much as a free forum. For $5./year paid membership I can see that but expect SSL technology for the full login session including a private message service between members. May I suggest using Powered by SMF 1.1 as forum software or else vBulletin® Version 4.1?
For $25./year and up I would want any topic not to be taboo. Even a similar website for free discusses many topics:
thementalmilitia
I'm not suggesting that canaryislandspress website become a black market website for information but a discussion forum with fully open discussion of ideas for the 6000 current members who wish to pay a yearly fee.
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Sorry, but if we do this, some subjects will not be permitted, especially if illegal. No politics and no religion. (I do discuss Bible subjects privately with a few who have honest questions, but not on my website. The website is devoted to information on privacy and low-profile businesses.)
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| 8660. |
Melissa
Houston, TX
Age: 47
Dec 21, 2011
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Avoid New Hire Reporting and Get a Ghost Address
A good way to make extra income AND have a mail drop is to rent a booth/space at a local antique mall or flea market to sell services or items that you collect, manufacture, etc.
I have a relative who began by buying good quality used furniture and restoring/reselling it at a local antique mall. You can sign up with them using your DBA name and tax ID number instead of your name and SSN. They need this info to pay you and I'm sure to report taxes to the IRS, but since you are not an employee, no New Hire reporting.
You can use the mall address as your business address, and they generally won't have a problem with you receiving mail there, including packages (especially if you are a great vendor and sell a lot of product). These places are manned every day, and handle all money transactions (usually for a small percentage of the sell). They usually pay you by check (either in your name or your DBA name) twice a month. You can get month-to-month contracts with them, so there is no long-term commitment.
Flea markets generally require even less information, since most only operate on weekends and you have to sell your own product or service. But it still is a good way to make money and stay off of the New Hire reporting.
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Excellent idea, Melissa. Thanks!
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| 8659. |
Jen
Mars, PA
Age: 28
Dec 20, 2011
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The forum closing
Hello Mr. Luna! I am sorry to hear about the spam and the resulting closing of the forum. I was wondering and hoping that you maybe will archive the posts that are still on there?
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Not sure about achiving them, but we'll probably have another, later, for members (paid) only. More later on the membership plan.
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| 8658. |
Daniel
Minneapolis, MN
Age: 39
Dec 20, 2011
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RE: 8640 Library Card Privacy
Even though I use my real name with the library here, I use a ghost address which is a drop in center for homeless/ indigent individuals. I use this address for ALL official functions (had my passport sent here, w2's, and this address is printed on the my state ID card as well). Even though I have an apartment- I am friendly with the staff, told them I had a mail theft in the past and was worried about identity theft. So they let me receive mail there no questions asked and completely free.
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Great tip, Daniel!
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