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From / Date: |
Question / Answer: |
| 7100. |
Robert
Baltimore, MD Age: 43 Feb 11, 2010
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Western Union Warning
A word of warning to my friends concerned with protecting privacy from a recent personal experience.
The specific details aren't so important but a friend called and needed a small amount of cash due to an unforeseen emergency. Under normal circumstances I would have gone in person to a Western Union agent and given them cash but in case you haven't noticed there have been 2 blizzards in my neighborhood in the past week. As a result, everything is closed including the multiple places within a short distance that I could have done business with a live agent and used cash.
Extremely begrudgingly I called Western Union and sent money using my credit card. I say "extremely begrudgingly" because I rarely use my credit card. I pay cash for almost everything. The only exceptions are airline tickets, hotel reservations, etc. To say the amount of personal information required for this transactions was excessive would be an understatement. For someone so protective of my privacy, I feel like I've been "raped."
The normal credit card information was not enough. They needed my DOB too. But that was just the beginning of my horror story. This was the first (and last) time I've used Western Union. I was told the funds would be available to my friend within 30 minutes but that was not the case. I don't know if the agent I spoke to lied to me or is just incompetent.
In any event, several hours later I had to call Western Union again. My transfer had been suspended until they could verify my identity. I can respect that we live in a world full of criminals so they need to take steps to protect themselves but I am not a criminal and it annoys the crap out of me that criminals have made this level of caution necessary.
They needed the last 4 of my SSN to pull some information from my credit file so they could give me a multiple choice test based on that information. But even that was not enough. The last step was to give them a telephone number they could call and I would answer.
Had I known the excessive amount of personal information required before hand, I would never have wired my friend money. I also made it crystal clear that I will NEVER do this again. I remember some words my mother used to say to me when I was a kid: "Failure to plan on your part does not create an emergency on my part."
Hopefully sharing this horror story saves someone else the hassle and frustration of dealing with Western Union.
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Wow, what a wise mother: "Failure to plan on your part does not create an emergency on my part." Readers, remember that one!Here's a message for your friend: Never leave home without some hundred-dollar bills on your person. Never! Never! NEVER!
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| 7099. |
Nona
SF, CA Age: 44 Feb 11, 2010
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7095 - Marriage
Andrew, it is VERY likely that Ancestry (dot)com will upload your marriage information.
My spouse and I traveled to Nevada for the 'Confidential' marriage option offered there. It is the first record that pops up when I look at Ancestry (dot) com.
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Excellent point, Nona. Looks more and more like Andrew had best opt for another country.
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| 7098. |
Roger
baytown texas Age: 60 Feb 10, 2010
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#7093
Tennessee is a state that allows series LLCs; this means each parcel can be placed in a different series under the same LLC. Assets in each series are protected from the legal problems of the other series.
The assets of each series can be bought and sold without affecting the assets of the other series.
Each series is part of one LLC so you would only pay to setup one LLC.
I would recomend that you have an attorney help you with this.
I am only familiar with Texas laws and Tennessee laws about series LLCs may be different but the concept is the same. It is like one corporation with several subsidiaries.
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| 7097. |
Charles
Chicago Illinois Age: 42 Feb 10, 2010
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Marriage
The U.S. State Dept. says marriages performed abroad are fully legal in the U.S. as long as they don't break any U.S. laws (i.e. - polygamy). My suggestion -- take a cruise to the Caymans, Jamaica, the Virgin Islands, etc. and get married there. Many offer "cruise marriages" and unless someone specifically looks in that country, no search will turn anything up. They aren't going to turn up in U.S. databases.
Submitted Link #1: http://marriage.about.com/cs/marriagelicenses/a/ma...
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| 7096. |
CJ
Madoc, Ontario Age: 58 Feb 10, 2010
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7095
Hi Andrew,
You ask a very good question. Wish more folks would ask this question first. I also agree with JJ that you should be congratulated for making it legal.
What do you think about getting married in a foreign country? There are numerous countries which could work for you. I would be wary of countries which have information exchange treaties with US. Better yet, in some places you can have the judge performing the marriage "seal the records" (so they are not in any form of computer database) and nobody but you can get copies!
What do you (and JJ) think of this?
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Since Andrew specified the U.S., I didn't offer an opinion on marrying in another country (which normally would be an option, of course).
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| 7095. |
Andrew
Cleveland,Ohio Age: 25 Feb 10, 2010
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Marriage and Identity
I am about to be married in a few months. As I value my privacy, I am interested in a marriage that is recognized as legal but one that will NOT show up in the county/marriage data base searches here in the U.S. Any suggestions?
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If the wedding must take place in the United States, then no, I have no suggestions. I do, however, congratulate you on your plan to have a legal marriage. Way to go, Andrew!
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| 7094. |
Tony
Seaside, CA Age: 68 Feb 9, 2010
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LLC before or after buying house
A mortgage broker said to quitclaim house bought in my name AFTERWARDS. Otherwise you pay fraction of point per thousand.
To my mind I'd rather LLC at first despite any extra cost.
Lack of tax stamps in paper transfer/quitclaim may say it still belongs to one who transferred.
LLC-ing from the first eliminates finding your name.
Please advise.
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Since you mention a mortgage broker, I wonder if you plan to finance. If so, an LLC will not protect your privacy--you must guarantee the loan personally. As for the quitclaim idea, my vote is no. (BTW, your paragraphs ran together because you didn't follow instructions on the question page.)
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| 7093. |
Sharon
Cookeville, TN Age: 58 Feb 9, 2010
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LLCs for real estate
I have two different parcels of land and want to put them in an LLC.
1. Do I need a separate LLC for each?
2. Is it possible to put them in one LLC but different cells so they are each protected on their own?
3.
If one parcel of land was sold, how would this be handled? 4.
Would I be paying for one LLC or two?
5. Do I need an attorney to do this?
Sorry for all the questions but the more I read about an LLC the more confusing it is.
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I numbered your many questions, to make it easier to answer.
1. Yes.
2. No.
3. Do not put both in one.
4. Two.
5. Probably not, but check with your title company first.
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| 7091. |
Kay
Australia Age: 26 Feb 9, 2010
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[deleted]
[No city. No e-mail address.]
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| 7090. |
Joseph
Tonopah, NV Age: 35 Feb 8, 2010
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reply to #7089 (nevada residency)
In order to get a Nevada Driver License, I have to be a resident. To prove it, I have to complete this form, called a "Certification Of Nevada Residency" (link). It asks for proof of where I live. It appears that the Alaskan "ghost address" cannot work for me, or any other Nevadans. I don't want to perjure myself but is there a way around this?
Submitted Link #1: http://www.dmvstat.com/pdfforms/dmv005.pdf...
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Give your true address, but do not use your DL for ID--use only a passport. You can use an Alaska address for banking in another state, for the address of an LLC that owns your car, etc. Later, you may wish to move without leaving any forwarding addresses.
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| 7089. |
Joseph
Tonopah, NV Age: 34 Feb 8, 2010
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nevada residency
I am from Northern California but have just recently moved to Nevada for work.
I read HTBI but since Nevada has residency requirements, the book can't help me.
I live an work in Nevada but if I do what the book says, I will not be considered a resident, then I will still be considered a CA resident and have to pay CA income taxes.
How can I (officially & legally) become a Nevada resident and still have my privacy?
Submitted Link #1: http://www.leg.state.nv.us/lcb/research/residency....
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You say "since Nevada has residency requirements, the book can't help me." I fail to see why not.
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| 7088. |
Thad
Toledo, OH Age: 36 Feb 7, 2010
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Any merit in buying a very cheap home for a ghost address?
Originally from PA, I've been living in OH for over 2 yrs., having been using a good friend's PA apt., where I briefly lived, as my ghost address on my drivers license, voters registration. My car has PA tags and is registered at a business address, 20 miles from the apt. ghost address in PA. I've been pulled over by local and state police here in OH and only the local police ever questioned why I was in Toledo at midnight. I always explained I was here on business, with a sport coat and white shirt convincingly hanging on the rear coat hook of my generic sedan. I'd also tell them I was on my way back to a chain motel 20 miles away. Now, last week my friend informed me he's moving to a house, since his apt. bldg. has been sold, having gone condo. He also no longer feels comfortable collecting, re-sending what little mail I get, usually just voter registration,auto tags related info. Should I just buy a very cheap house somewhere in rural PA, getting a PO Box there to where all mail addressed to this house would be forwarded? Also, should I get OH plates, since I'm in OH or just keep using my PA plates to match up with my PA drivers license?
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| 7087. |
Carl
Virginia Age: 35 Feb 7, 2010
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#7026 - baggage
Any recommendation on how to ship luggage ahead of time ?
I have seen multiple online services with varying degrees of customer service,
www.luggageforward.com www.luggageahead.com www.luggageconcierge.com
Fedex Ground, or USPS.
Any specific suggestion, anyone ?
Submitted Link #1: http://www.usps.com/communications/newsroom/localn...
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Personally, I use Priority Mail. (I'd never use FedEx since they share their information with the government.)
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| 7086. |
Hamish
Salem, Oregon Age: 67 Feb 7, 2010
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Vanish: the contest
I agree, Drew. Making myself invisible is just an entertaining game to me - and I hope it stays that way! Still, it has a serious purpose: protecting myself against ID theft and possibly worse should I ever acquire an enemy.
It would defeat that purpose to invite others to compete in finding me.
If others want to treat HTBI as a contest, that's fine with me: I might learn something from their failures.
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| 7085. |
Drew
watertown,Ma Age: 45 Feb 6, 2010
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Vanish/the contest
My question is, if you want to vanish, why would you have to fill out an application and tell people your habits, etc, for ten grand I could disappear and you'd never find me, seems like a bs scam to me.The easiest way to get off the grid is to stay off it. I'd like to hear other people's input.... Drew.
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| 7084. |
David
California Age: 31 Feb 6, 2010
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(No city. No e-mail address.)
(Deleted)
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| 7082. |
Charles
Chicago. IL Age: 42 Feb 5, 2010
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Vanish - The Contest
This summer, Wired writer Evan Ratliff wrote a story about how people erase their identities and start over. After it ran, he tried to disappear—spending 25 days on the lam until a few enterprising Wired readers tracked him down through some brilliant hacking and sleuthing.
Now we’re going to try the experiment again. Evan, Wired, Loneshark Games and I are working with Universal Pictures to do another, similar contest connected to the new film Repo Men: and this time we want you to go on the run. We need four applicants willing to disappear from their lives from late February to late March. If they can stay hidden for that time period, they’ll end up with $10,000 each. There’s more information, and an application, here. We’ll need to recruit hunters soon too; but now we just need folks who are willing to drop their lives and go.
Submitted Link #1: http://www.wired.com/vanish/2010/02/do-you-want-to...
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(It appears Charles has no part in the contest, he is merely quoting from the WIRED website.)
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| 7080. |
Seth
collbran, co Age: 50 Feb 5, 2010
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Why won't people pay for privacy?
"An Internet start-up wants to sell you the ability to protect your privacy, allowing you to create different online identities for different purposes and cloak your true self from prying eyes."
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Most people are smart enough to know that a "man in the middle" compromise of security is the most likely scenario when you hire some random internet company to give you "privacy."
The very fact that THEY have to know who you are compromises your privacy, because YOU can never know who THEY are going to give the info to. This is particularly since (as the Anonymizer situation reveals), such "let us secure your privacy, just tell us who you are" companies are all too often opened either by crooks, foreign agents, or our own security apparatchiks in order to keep tabs on people who aren't being good little compliant, complacent proletarians who don't complain about Nanny Government watching their every move.
People who value privacy and liberty make spooks and cops suspicious, and they like to keep track of such people. How do you think Randy Weaver ended up with his wife and son dead?
The key to maintaining privacy is to drop off the radar and STAY THERE, or possibly create a plausible "persona" that acts like a good little proletarian, though that is MUCH harder to do.
And you can't drop under the radar if some on-line business knows who you are and where you live, because if they know, the three-letter agencies they likely work for certainly know. That's why such businesses are bad business models. People are smarter than that.
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| 7079. |
Nona
SF, CA Age: 45 Feb 4, 2010
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7050 - related -
The government focused Accurint database post prompted a search for other similar projects.
This CNet article reveals an ongoing hope of law enforcement agencies nationwide. If the individuals were trustworthy it might be a good idea. The potential for privacy-related disasters is recognized and, thankfully, being debated. Still, it sounds Orwellian to me.
Submitted Link #1: http://news.cnet.com/8301-13578_3-10446503-38.html...
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| 7078. |
Stan
Atlanta GA Age: 44 Feb 4, 2010
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Why won't people pay for privacy?
An Internet start-up wants to sell you the ability to protect your privacy, allowing you to create different online identities for different purposes and cloak your true self from prying eyes.
Early press coverage has been uniformly positive. CNN.com's review says "Total digital privacy may be on the horizon." The San Francisco Chronicle's article is titled "Online disguises from prying eyes." To BusinessWeek, it's a "A big boost for Net privacy."
"Think about how much business is predicated on the flow of personal information!" one of the founders predicts. "If you need to add privacy as a foundation under all of that, what is that industry worth? It's huge. Billions and billions and billions."
The year was 2000, and the company was named Zero Knowledge Systems
Which sounds exactly like what ZKS tried, and failed, to convince the public was a good idea. And it's not just one company: a 2001 article in The Atlantic rattles off a list of companies that were hoping to attract privacy-sensitive Internet users. The list includes IDcide (dead), PrivacyX (defunct), American Express' Private Payments (ditto), and Disappearing.com (you guessed it).
The Atlantic article mentions ZipLip, founded to protect e-mail privacy; now, under the name ZL Technologies, it offers innovative ways to "find relevant information hidden in massive volumes of data" for legal discovery processes. Anonymizer.com was founded by cypherpunk Lance Cottrell to provide privacy-protective Web surfing to the public for a reasonable fee. It's now part of Abraxas Corporation, a northern Virginia firm that shares its name with a comic book villain and has close ties to the CIA and FBI. The Electronic Frontier Foundation, which once enthusiastically recommended Anonymizer.com, says it no longer does because of Abraxas' links to the U.S. national security apparatus.
Submitted Link #1: http://news.cnet.com/8301-13578_3-10443575-38.html...
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