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#: From / Date: Question / Answer:
8150. Seth
collbran, co
Age: 50
Oct 5, 2010
Montana Vehicle Registration
I want to confirm this post and add that I have personally confirmed that you CAN register vehicles in Montana using a New Mexico LLC as the owner.

Moreover, any vehicle over 11 years old is registered once and you get a permanent plate with no renewal fees every year. This includes trailers as well.

HOWEVER... Be aware that other state DMV's are well aware of this and many consider it to be a tax-evasion scam, so use care.

My personal position is that if you register in Montana ONLY for the purposes of evading your home state taxes, you are at risk. Therefore, I believe it is necessary that you ACTUALLY have some sort of business that has nexus to Montana, which legitimizes that business owning vehicles registered in Montana.

In my case, I have a "news gathering" company (I'm a journalist) that has its web and email hosting from a Montana-based ISP. The Montana LLC is owned by my New Mexico LLC, and the vehicles are owned by the Montana LLC. The registered agent in Montana provides a mailing address and mail forwarding, which I never use because I never give anyone a street address for the business, because it's ENTIRELY web-based.

It is my belief that this gives me a legitimate business nexus to Montana that will defeat any allegations by my state DMV that I'm trying to evade Colorado motor vehicle taxes and fees, which, as of last year, skyrocketed and are now unbelievably high. We have the Taxpayer Bill of Rights, which means the state is SUPPOSED to have a vote on new taxes, but our state courts have ruled that "fee" increases are not "taxes," so the state turned from assessing taxes to loading up vehicle registrations with enormous "fees" to fund highway programs, which it can do without asking the voters.

As a result, the state gets really pissed off when people don't register their vehicles properly or on time. There's a $100 late fee if you miss the registration deadline, for example. Because they are aware of the Montana issue, there is a significant threat that the state might challenge Montana registration of vehicles owned by Colorado residents as tax evasion.

Actually having a Montana business of some sort that you can prove if necessary would seem to resolve that, at least in my non-lawyer's opinion.

8149. Al
Stayton, Or
Age: 53
Oct 5, 2010
#8141 Retirement
Leonard, the best way to keep your retirement out of the hands of the vultures is actually to leave it in a retirement account. You can roll it over to an IRA at a bank or credit union or an account with Etrade etc. Retirement accounts (in most states) are exempt from seizure by garnishments. You don't have to pay taxes on it until you actually take it out. The key to a rollover is to not take possession of the money yourself but have it sent to whoever you have set the new account up with.

8147. John
Cincinnati, OH
Age: 34
Oct 4, 2010
Re: 8128 - Hospital Visitor
This happened to me at Cleveland Clinic not long ago. Just show them your passport as you would anyone else. It may catch them off guard, but it works. Only 2 people ever see my DL...the bmv and police.

8146. Frank
Phoenix, AZ
Age: 37
Oct 4, 2010
Montana Vehicle Registration
In response to some questions about registering a vehicle in Montana using an LLC, I have come to the conclusion that you do need a Montana registered LLC in order to register a vehicle there. They do not accept foreign (out of state) LLCs. The good news is that the entire process can be done by mail. There are no inspections, emissions, or anything else that requires you to be there in person. If you are out of state, google "Montana llc vehicle registration" for a list of several companies that will handle everything for you. I have found that several companies are offering their services from anywhere between $219-$800 to set up a Montana LLC (shop around), then there is typically a $50 per year statutory agent charge, and then I believe the state charges $15 a year to keep your LLC current. Since the members/managers are public information in Montana, and if you value your privacy, you would want to use some sort of nominee as the official manager. Some statutory agents will also act as your manager-nominee, you have to ask. After forming the LLC, you can register a vehicle in Montana in the name of the LLC, and this can be also be done by mail, and although you are required to have insurance, you do not need to show proof of insurance at the time you register your vehicle. The registration appears to cost $28-$217 a year, depending on vehicle’s age. RVs cost between $97-$282 a year to register, depending on age. There is no sales tax, and if you register your vehicle in a rural area like Flathead county, there is no additional property tax based on the value of the vehicle. That means that even a $500,000 RV will cost no more than $282 to register. In other states, the same vehicle might cost $50,000 to register, after factoring in sales taxes, etc. This makes Montana especially attractive for registering things that are expensive and therefore taxed heavily in other states, such as RVs, exotic cars, trucks, boats, and even airplanes.

8145. Lewis
Athens, GA
Age: 39
Oct 4, 2010
RE: 8139 Living without a bank: Fees and confusion galore
Thanks for the link. In my opinion, the piece is propaganda for the banks and the government. However, the comments are worth reading, such as Katherine's:

"I live a cash existence and have saved tens of thousands of dollars by doing so. I keep my cash in a safety deposit box, bought my house for cash, my car for cash and paid for the college tuitions of my three children with cash. I go to a travel agent for all of my travel arrangements and pay her with cash .. .always get a much better price than searching online for days as well. I have never had a car loan, a mortgage, a school loan, a boat loan or any other kind of loan. I have never bought into the great credit card scam of consumerism and never paid more than $1.00 for a money order nor have I paid any credit card company a penny in interest or fees. Yes, I make more money now than I did 28 years ago when I started to live on cash only but i would not live any other way. It's all very basic. If you can't afford to pay for it . . .don't buy it...America does not need banks or credit cards . . .use common sense and live within your means. Maybe that is what the so called "poor" are doing."

8142. sidney
los angeles, ca
Age: 55
Oct 4, 2010
8140
Virgin Mifi - $40 per month for unlimited access - up to 5 devices - portable hot spot. No contract, can pay with "Virgin Top Up" cards or in person, etc.

Submitted Link #1: http://www.virginmobileusa.com/mobile-broadband/mi...

8141. Leonard
atlanta, Ga
Age: 49
Oct 4, 2010
retirement
I will be recieving a lump sum of money from my retirement. Whats the best way to protect my money from creditors and other vultures?

... One way may be to have a lawyer deposit it into his trust fund, and then pay you from that fund according to your directions.

8140. Tommy
Yonkers, NY
Age: 44
Oct 4, 2010
Best Pre Paid Internet with laptop please??
Did not Google, because I would rather ask here first: What are your recommendations for a reliable, cheap, pre paid phone to use with a laptop for internet only please?? Also need to know about a non fancy laptop for this occasional pre paid net surfing. Many Thanks in advance.

8139. Gunsche
Salzberg, German
Age: 87
Oct 4, 2010
Living without a bank: Fees and confusion galore
Article submitted for your approval.

Submitted Link #1: http://finance.yahoo.com/news/Living-without-a-ban...

8138. Drake
LA, CA
Age: 35
Oct 3, 2010
8136 - Google Voice
Sabrina, if guys like those mentioned in the link on Post #8054 don't bother you, you should have no problem.

Every technology can be abused. I don't recall the exact wording of the Russian proverb, but it goes something like; if a human is involved in the process, the human is the problem.


8137. andie
Huston, TX
Age: 66
Oct 3, 2010
Loose Lips Sink Ships
Ways to put off nosey people and their advances....

Submitted Link #1: http://www.thriftyfun.com/tf70426824.tip.html...

8136. Sabrina
Oak Park, MI
Age: 36
Oct 3, 2010
Is having 10 google voice numbers TOO MUCH?
I use several different google voice numbers for several different small home-based businesses, along with giving different numbers out for different situations, such as car repair, utilities, local government(volunteer in our NEIGHBORHOOD WATCH program with the police), family and PERSONAL(dating). Everything I do is legitimate, I just don't want a single number in a data base linked back to myself.

Now, although these google numbers seems wonderful, especially since it's all free, and I've enabled all the privacy options on this service, including not having my voice on the recorded greeting.

My CONCERN is that when I return a call using Google voice, my call is still being recorded by Google to the point of being able to match my voice to all the various numbers I use. What do you think?

Submitted Link #1: http://www.google.com/voice...

8135. Jay
Boston, MA
Age: 29
Oct 3, 2010
Licensing a car in Massachusetts with an LLC

I've asked this a couple of times, but haven't heard from any other readers yet. Maybe someone new has an answer:

Have you successfully registered a car in Massachusetts with no trace to your name?

The issue is that in MA, the form to apply for insurance and to get a registration is one and the same. Following HTBI, I would get insurance in my own name, but then the RMV would get my name too.

Link provided is to the form in question.



Submitted Link #1: http://www.mass.gov/rmv/forms/RMV1_fillable.pdf...

... The main question is, will your name show up on the registration? If not, that's good news.

8133. Seth
collbran, co
Age: 50
Oct 2, 2010
A&P takes your birthday for beer
"...The cashier then entered my birthday month, day and year into their database."

Nice to know. My response would be to cover the month and year of birth with a piece of tape, leaving only the year of birth. One might also cover one's last name, or perhaps first and middle names. At need, one can lift up the tape, but for identification purposes, the photo and year of birth ought to be sufficient to buy beer. They need to know you're 21, and that's all they need to know.

8132. Stan
Atlanta , Georgia USA
Age: 44
Oct 2, 2010
Re: 8128, Hospital visits requiring ID
Most hospitals lock all the entry doors at a certain time, usually 9:00 PM or so, leaving only the ER entry open and manned by a security guard, thus requiring ID to gain entry after hours.

8131. Teresa
Lewiston, Idaho
Age: 49
Oct 2, 2010
Re: 8129 (Iris)
I have worked in several hospitals, and have seen quite a few incidents of visitors' (and patients') assaulting (or threatening to assault) staff. A recent article I saw addresses the assertion that those in the health-care field are more likely to be assaulted in the work-place than those in other professions. (I'd been aware of that for a while)

Anyway, I wonder if what Iris experienced might be fall-out from the recent shooting of a Johns Hopkins physician; not so far from Virginia.

For myself, I would certainly ask a LOT of questions about the ID business: How long it is kept, by whom it may be accessed, etc.

8130. Alex
White Plains, NY
Age: 44
Oct 2, 2010
A&P takes your birthday for beer
When I went to the cashier to buy beer at the local A&P, I was asked to show ID as has become common around here now. I showed my passport. The cashier then entered my birthday month, day and year into their database. Imagine had I used an A&P card as well! I informed the cashier that I would not be buying the beer nor I would I frequent that store again.

8129. Drake
LA, CA
Age: 35
Oct 2, 2010
Dangerous Decision
In 2007, two environmental groups filed FOIA requests for the identities of livestock grazing permit holders in an attempt to evaluate the bureau’s management of grazing on Idaho’s public lands.

Last month, Judge Candy W. Dale balanced the privacy interests of Idaho’s grazing permit holders against the public interests of those wishing to shed light on the agency action related to the permitting scheme.

The privacy interests of Idaho’s grazing permit holders, she ruled, were not threatened by the release of their addresses and were outweighed by the public interest. The documents were, therefore, ordered disclosed.

So - What is Judge Dales' address and telephone number? How many children has she got in the house? How many wine bottles can be found in her garbage each week?

If the ELF or any other Domestic Terrorist organization visit those permit holders, Judge Candy will have a lot to answer for.


Submitted Link #1: http://www.rcfp.org/newsitems/index.php?i=11557...

8128. Iris
king George, VA
Age: 42
Oct 1, 2010
Hospital visitor
I ran into an interesting situation yesterday at a local hospital. I went to visit my father who was admitted there from the emergency room. Inorder to visit him, we had to have some form of ID (they asked for DL) inorder to visit! They scanned my DL into their system and printed off a "visitor badge" with photo and all. This badge expires every 24 hours. So the next day, went to visit. They only needed my name and pulled my "visitor badge" info and printed off another badge with the current date.

I am working on my levels of privacy and haven't gotten the passport yet, and should have discussed this privacy invasion with someone there at the hospital. But just thought I'd let others know of a potential situation where you'd be asked to identify yourself and they keep copy of your ID. Maybe tomorrow I'll get into the situation with the hospital and ask them what happens if someone doesn't have ID or such, how long they keep the copy of DL, and other privacy related questions.

... My wife was in the ICU of a small hospital twice this past spring and had many visitors. No one was ever asked for ID.

Perhaps larger hospitals have stricter rules.

8126. brian
detroit, mi
Age: 21
Oct 1, 2010
Android apps caught covertly sending GPS data to advertisers
More confirmation to stay away from anything Google is connected with.

Submitted Link #1: http://arstechnica.com/security/news/2010/09/some-...


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