| #: |
From / Date: |
Question / Answer: |
| 6018. |
Elizabeth
Monterey, CA
Age: 54
Jun 10, 2009
|
Ins. and Credit Reports, RE: #6009 and #6017
Seth, regarding #6009. You say you took out a homeowner's insurance policy and saw the house address on your credit report within a few days. Did you have a freeze on your credit reports at the time? If so, I am wondering how they put info on those reports without you voluntarily lifting the freeze.
Brian, regarding #6017. I chose an auto insurance company/agent that did not require giving SSN (some do, some don't). I also gave separate mailing and residence addresses. I have never seen my residence address show up on my credit reports or any database as a result of this type of car insurance. Note that I did this long before I put a freeze on my credit reports, so that is not what saved me. My advice is do not give out your SSN for car ins. and make sure they put your mailing address everywhere except under location where car will be garaged at night.
As far as renter's insurance, I never saw any that didn't require giving the renter's SSN, so I never got it. Good luck and let us know if you find out how to buy homeowner's insurance (for a home paid for in cash) without compromising the home address on credit reports, etc.
|
| 6017. |
Brian
detroit
Age: 22
Jun 10, 2009
|
Insurance
Seth, I've been struggling with Insurance questions for a few months now as I approach college graduation (paid for entirely through scholarships by the way). Insuring my car and maybe a house have turned out to be the one real vulnerability in my privacy framework--the customary HTBI method being to insure in your own name. I wouldn't mind insuring in my own name but I keep learning of database sharing, and things like you've described that totally destroy any protection.
Please post if you learn of any ways to solve this issue. I know it has stumped me so far.
|
| 6015. |
Seth
collbran, co
Age: 50
Jun 10, 2009
|
Renter's insurance and public databases
In answer to #6011:
No, I have not purchased the house yet, I'm still renting because the buyer for my ranch failed to close.
It's my understanding the the insurance industry, not just my company Allstate, has a policy of reporting to credit agencies that they will not waive.
I haven't gotten all the details yet.
Maybe someone like Lloyds of London would do it privately, I don't know. Perhaps a UK reader could check that out for us.
|
| 6014. |
Dorothy
Topeka, KS
Age: 40
Jun 9, 2009
|
Kammi's Visa gift card and gas purchases
Gas stations *sometimes* place "holds" on credit/debit cards for what seem to be random amounts; that's the amount that they pre-approve a card for before they allow to pump the gas. Some gas stations pre-approve a card for only $1, others go as high as $50 to $75. In my area, there is fine print on the gas pumps that a Visa purchase will max out at $50 while a Mastercard purchase will max out at $75. Those limits imply that the gas station can put through a pre-approval hold on your account for either $50 or $75. Sometimes the gas stations do "ding" the card for the whole amount, sometimes they don't. Once the actual amount gets processed by the bank, the "pre-approval" amount usually drops off within a few days. In general, those pre-approval amounts don't cause a problem with regular credit cards because the credit limit is usually so much higher than the credit balance that the card user never notices. However, in the case of debit cards, and also in the case of gift cards, it can make a significant dent in the ability of the cardholder to purchase other items for a few days. It is my personal humble opinion that Kammi's Visa gift card is simply following standard banking practices for gas station purchases. Nona is definitely on the right track, Kammi. If you purchase a Visa gift card for a specific purchase, you need to use that Visa gift card for ONLY that specific purchase ALSO.... When you use a Visa gift card for an ONLINE purchase, you need to VERIFY the billing address online FIRST. SOME Visa gift cards allow a back-door approach of using the address of the Visa card itself as your *billing address* when you're filling out an online form. I've done that with the Visa gift cards from Walgreens that come in specific dollar amounts. I've never tried it with a GreenDot card, however. I hope this all makes a little bit of sense. Those Visa gift cards are very tricky creatures and really should only be used for things that truly require privacy because if you use them for everyday purchases, it just costs too much and requires too much aggravation to jump through all the hoops. Hope this helps!
|
| 6013. |
Tommy
Bronxville, NY
Age: 52
Jun 9, 2009
|
Marriage/Divorce Records: Not public, but available thru info brokers???
How are these information brokers such as US Search, Intelius, etc., obtaining marriage and divorce records which are unavailable in most states without an affadivit from the targeted persons??? Or are these info brokers selling bogus information??
Thanks Much.
|
| 6012. |
Nona
SF, CA
Age: 44
Jun 9, 2009
|
6007 - Kammi's Visa giftcard
Kammi, did you get a receipt from the gas station when you bought the gas? It is possible the gas station attendant is embezzling. My advice would be to cut up the card and walk away for a few months.
You say you got the card for Internet purchases, that didn't pan out the way you wanted, but then you used it for buying fuel. You planned your work but didn't work your plan. Keep each quarantined, segregated, compartmentalized, tool for it's specific purpose. Don't infect them with outside activities that do not follow The Plan.
|
| 6011. |
brian
detroit
Age: 22
Jun 9, 2009
|
Home Insurance
Seth, you bought your home outright, correct? No mortgage is attached to the home, correct?
Has an insurance company explained to you the purpose of placing the policy on your credit report? Assumption being that it protects them somehow (from fraud or something?).
|
| 6009. |
Seth
collbran, co
Age: 50
Jun 9, 2009
|
Renter's insurance and public databases
Homeowners insurance companies report names and addresses of their insured to the credit bureaus.
I took out a homeowner's policy for my new home, but as a precaution I gave a ghost address for the house, as a test of security.
That address appeared on my credit report within THREE DAYS of obtaining the policy.
Needless to say, I cancelled the policy.
I haven't found a way to get a large insurance company to agree to not submitting such information to the credit bureaus.
|
| 6008. |
peter
florida
Age: 30
Jun 9, 2009
|
privacy
jj,
does getting renters insurance mess up ones privacy efforts? i am using a ghost address and nothing comes to my rented home in my name including cable, phone, electrical utilities....etc but i have to have the renters insurance in the home where i occupy in case of damages, theft...etc
any opinion?
...
I have never used nor recommended renter's insurance. However, if you have so many valuables in your home that you cannot do without it, then yes, you will have to reveal your home address. Is this a big danger to your privacy? I don't think so.
However, see Seth's comment #6009, above. Perhaps other readers can chime in on this one, as well.
|
| 6007. |
kammi
carmel, ny
Age: 60
Jun 9, 2009
|
Strange behavior - Visa Gift Card.
When I checked my balance on the above subject card, I found that $37.00 had been deducted from the card for a $7.25 gasoline purchase. When asked the gas station about this I was told that the money was reserved and the settlement process would take place over night; I found this strange, but interesting. The next day when the numbers were not as I believed they should be I called, and I was told that I should give it another day or two. Today, two days later, I checked the balance (via internet, with no particular security) an saw that the card was flagged as a possible fraud. I find this deeply worrisome, and I invite comment and advice. For now I am taking no action I no more than $100.00 at risk, within the card itself - can walk away from it. I bought this card to make purchases over the internet and so my personal information is linked within those orders; even though I was not allowed to use this gift card to pay for the items I wished to order, and had to substite another brand of gift card. Backgound Information: I do have problems with other Visa card; and I am taking advice on my unsecured detd .
|
| 6005. |
Susan
Cleveland, OH
Age: 53
Jun 8, 2009
|
Re: #5995, Shadow Escrow & Foreclosure
I don't know anything about Shadow Escrow, but for advice in fighting foreclosure check out Neil Garfield's Living Lies website. Make them produce the note, and use the court procedures to your advantage.
Submitted Link #1: http://livinglies.wordpress.com/...
|
| 6004. |
Hu
Autthaya, Thailand
Age: 54
Jun 7, 2009
|
2nd Ring of Protection
Here is one of the security devices you mention in your book-Invisible Money. One of the 5 rings of protection. This is the 2nd ring-the loud noise deterrent. Just Google 12 Gauge Boundary Security System and you will get several results you can check out. This one goes for $90.
Submitted Link #1: http://www.ajarmsbooksellers.com/cgi-bin/ajarms/12...
...
It's the identical unit sold by Shomer-Tec but Shomer-Tec sells it for much less.
|
| 6002. |
Tina
Great Falls, Montana
Age: 45
Jun 7, 2009
|
Where to start?
I just found your book! I was wondering what should be my first step? A ghost address or the LLC?
...
By all means start with a ghost address in Great Falls, Black Eagle, or Vaughn. (Later, you may wish to add a ghost address in Alaska.) For your current vehicle, try for a change of address so the DMV no longer lists your true home address. (Always good to hear from a reader in one of my favorite states!)
|
| 6001. |
Ray
Augusta, GA
Age: 43
Jun 6, 2009
|
Dave- #5961
The phone I have is a chinese clone (CECT) and has no GPS chip in it.
|
| 6000. |
Ashley
Beverly Hills, CA
Age: 27
Jun 6, 2009
|
Phone for Turks & Caicos Islands
Remember when you offered copies of that corporation in the T & C Islands? I bought that and have been using it ever since--lots of fun! Now, I'd like to add a phone number on my business cards. Would that new phone number in the Canary Islands work?
...
No, not if you give your cards to anyone who knows that calls to the the T & C Islands start with 1+ instead of 011+. Here's the Difference:
CANARY ISLANDS:
011-34-606-18-xxxx
TURKS & CAICOS:
1-649-941-xxxx
|
| 5997. |
Ben
Chicago, IL
Age: 33
Jun 6, 2009
|
Re: 5970
Pat if you want to host a controversial website PRQ in Stockholm, Sweden is who you need to contact. They host wikileaks and other controversial sites and don't care about legal threats (they only respond to Swedish court orders).
They also offer VPN services and they should be able to give some guidance on everything.
Submitted Link #1: http://www.prq.se...
|
| 5996. |
Eddie
Palo Alto
Age: 27
Jun 6, 2009
|
Need C.I. address and phone TODAY
hi jj -- i already have the canary islands ghost address but i need that other one thats ok for domain names, and the phone number as well. big rush. any way i can set that up right now, without waiting? thanks for a fast answer.
...
How's this for fast? (Four minutes)
Rosie does have same-day service now, and I think she has some big discount this month on both phone and second address, for those who already have the C.I. service. Contact her right now.
|
| 5995. |
Drew
Putnam, NY
Age: 64
Jun 5, 2009
|
Shadow Escrow.
I may have to face, and God willing, fight a foreclosure action. I am thinking about trying to set-up what I'm calling a Shadow Escrow Account. I believe that much of the thinking that goes into creating or preserving privacy, could with some modification, be useful in my situation. The modification that I feel might be important in my situation, is that it might actually be wise have the Shadow Escrow as an Attorney Trust Account. Because I cannot predict how or under what conditions this money may have to be "surfaced". Advice will be gratefully received. Thanks in advance to all responders
|
| 5990. |
Dave
Eagan, MN
Age: 44
Jun 4, 2009
|
Free Bank of Lakota (?)
Here is a bank on Indian territory that could be one of the most private banks that a U.S. person could want. What do you think of their privacy techniques JJ ?
Submitted Link #1: http://www.chrismartenson.com/forum/free-lakota-ba...
...
This following quote is from the link I posted below.
Now, all that being said, I believe that this “Free Bank of Lakota” is a total scam! I highly doubt that it has anything to do with the real Lakotah Tribe or Russell Means. There is no mention of this bank or this currency on either Means website or the Lakotah website. The current market value of once ounce of silver is under $15.00, to charge people $40.00 an ounce for silver is just criminal. The Lakotah people are a proud and honest people, they would never operate a scam like this.
The website for the AOCS currencies http://www.opencurrency.com/currencies.php has different sites of “novelty” silver coins listed. All of them priced at $50 (the face value of the “Lakota” coin), which is way overpriced for silver.
The people behind this should be ashamed for making profit by exploiting name of the Lakotah people, and taking advantage of people who don’t know enough about silver investing to spot such a scam.
By the way, the real Lakotah do spell their name with an “H” so don’t you think that they would have named their first bank likewise?
|
| 5989. |
jay
phoenix,az
Age: 35
Jun 3, 2009
|
private water company
its interesting to read what was said in this blog about that Alaska water company having to provide services. we are about ready to hook up water service to a new house, and this "privat water company" has a board of directors, by laws and requires that you become a part-owner of the company. The form asks for a SSN, wants previous addresses, a relative name, employer, and because this house sits on more than 5 acres, needs the whole thing notarized. Besides getting a cistern installed, standing out like a sore thumb by threatening legal action may limit our ability to use an alternate name like we hoped and I wonder how "searable" a private water company would be as opposed to a government one? I can fake the relatives, and employer and may be able to get around providing the SSN, but the notary seems difficult. any suggestions short of hiring you to come help us hook up the water JJ?
...
Can you pay a nominee to furnish all HIS information? Short of that, see if a sharp attorney can't help you by setting everything up with a trust or an LLC. Don't give up easily!
|
