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Tim LaTrasse, Senior Investigator, Parker Lakes & Associates Investigative Services; Concord, California
 
 
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#: From / Date: Question / Answer:
5535. Mike
AZ
Age: 51
Mar 6, 2009
LLC vs Living Trust
Does an LLC provide any protection from probate court in case of death of me or my wife, or is that protection only provided by a living trust?

... Put the LLCs in your living trust. The trust is what should keep you from probate.

5534. Helen
Boston, MA
Age: 38
Mar 5, 2009
Beleaguered Surgeon

Hello Mr. Luna,

I have read with interest HTBI as well as some of your e-books on personal security and banking. I read with a certain melancholy your "Skip College" e-book.

This was a fascinating read for this over-educated surgeon, now with 26 years of training sunk into a field that promises to make me a federal worker before long (but not if I can help it)./p

I love my work. Reconstructive surgery is a gift of transformation for my patients. I understand that total invisibility is not an option for me. But do you have any suggestions for doctors seeking to minimize exposure to oppressive government bureaucracies? Any tips for dealing with the state medical boards, who sell our information to internet opportunists? I know this may not be your area of expertise, but any advice you can offer (or contacts you may have with other like-minded physicians) would be appreciated./p

Best,
Helen S.


... Can you afford to drop out of the rat race? If so, perhaps you could work as a volunteer doctor, overseas.

... Otherwise, you can at least (1) hide your home address, (2) open a bank account in Canada, and (3) hide all real estate holdings.

... Thank you for the kind words about "Skip College." As you learned, it is written for more than just young people.

5533. Jay
Columbia, Missouri USA
Age: 30
Mar 4, 2009
large cash bank withdraw
I sold my home last December and after the closing I deposited my check for $40,000 into a money market acct at my local bank. I then moved to the state of WV. Since then I've thought a lot about the safest/most accessible way to keep that money. I can't think of any good reason for keeping it in the bank and would rather keep it in a well hidden and secured place where I can access it at any time and under any circumstances (ie even if the bank computer systems go down or in the event of any sort of disaster). Is there any way to take out that much money in cash without raising red flags? I can't really take it out in small increments because I'm now 700 miles away from the closest branch. Would I be better off buying gold off a check written on the account than trying to take out cash? Thank you for any advice you can give. -Jay P.

... Gold, no, for various reasons. If you order my e-book "Invisible Money" you'll learn about ways to hide the actual cash and also, details about opening a Canadian bank account in Canadian dollars. (The Canadian banking system is far safer than the American one!) Beyond that, it gets complicated. If you can spare the time, why not meet me in Las Vegas for a short consultation on March 12th? You can see "O" at the Bellagio at the same time. :)

5532. Alex
Ferndale,Michigan
Age: 41
Mar 4, 2009
Email removal
Thank you Sebastian and Michael. The email account has been dumped. I obviously need a better education about protecting my computer privacy. One thing I do correctly is use a computer that has never been connected to the internet for all personal documents. The email was deleted and I contacted my attorney with the specifics so it is on record. I will be moving shortly and will finally be putting the rest of the "Invisible" practices in to place. Thank you.

5531. Theresa
Franklin, TN
Age: 44
Mar 4, 2009
Coming soon to a DDS near you
I'm interviewing orthodontists for my child. I was HORRIFIED to see the new "check in procedure" at an office today. It has a fingerprint scanner!!! I asked the receptionist if it was mandatory in their office and she said no. (I would have crossed him off my list if she didn't respond that way.) I asked where this idea came from and she said the Dentist "opted in" as part of the HIPAA programs. I would imagine this must be the beginning of the new protocol to protect our privacy. Yeah, right!

5529. Jeff
San Francisco, CA
Age: 21
Mar 3, 2009
EFF's
Many questions asked on this forum here are also talked about in the guide. Worth a look?

Submitted Link #1: https://ssd.eff.org/...

5528. Michael
London, UK
Age: 40
Mar 3, 2009
Problem Email
Alex: Several problems here, as far as I can tell.

1) Your private email address isn't as private as you thought.

2) How are you to get rid of the email from your ISP's email server.

3) If you were to read it, how do you do that without leaving a trace on the computer you use to read it.

4) How to keep safe against viruses and other malware in email generally. Re 1) Get a new email address. The old one is compromised and you'll never get it out of your ex-client's head. You will need to keep your new personal address to a much closer group of people than you have in the past. The ex got it from someone you've given it to at some point in the past, or from someone they have given it to. Once you release it to someone, you can't control who they reveal it to. Make sure you never post your personal email address anywhere, ever.

I have a scheme that I use personally to mitigate this problem -- and it is a problem -- that avoids the need to keep changing your own email address but it would take a while to describe so I'm not going to do it in this post.

Re 2) You won't be able to remove it from the ISP logfile but you might be able to remove it from your inbox on the server without having to read the body. Call them, or email your ISP's abuse email address, and let them know which email address your ex-client is using to send email to you (if you can tell without downloading it). Ask them to add a filter to their email server. They may or may not do this. You could also ask them to delete the email from your inbox. Be prepared to explain your situation and concern.

NB: this doesn't change the fact that your email address is compromised, it only deals with this particular email. The problem could recur if the ex emails you again from another email address.

Re 3) You've already partly read the message, at least you must have read the subject line and sender's name in your inbox or you wouldn't have written to the forum here. Your email software may have downloaded the rest of the message to your local computer already unless you are using a web-based service. If that's the case, like Sebastian, I'd just delete it without reading it. There will still be a trace of it on your own hard disk should a forensic scan be done -- but you can then correctly claim that you deleted it unread.

Re 4). Switch to linux if you can otherwise, on Windows, get a good virus scanner and keep it up to date. Make sure it is correctly configured (get help if you need some) so it scans incoming and outgoing email. Use an email reader that can be configured to show all your email in plain text and, at the very least, turn off images in your email. Most problems come from either HTML email with images or from email attachments. Avoid opening any attachment that comes in unsolicited email -- open only what you are expecting to come in.

If you are running on windows, get and install SandboxIE (a software sandbox) and run your web browser and email apps from inside that.

(A slightly off topic note to Sebastian that may be interesting to others.) Nice idea but I suspect that will be insufficient to prevent email recovery from the machine if the hard disk is seized and put through a good forensic investigation.

I know a missionary agency out in the far east that destroys its hard disks by opening them, taking the (extremely powerful) magnets out of the voice coils (the bit that moves the heads over the surface of the drive), then they proceed to wipe the entire surface (top and bottom) of every platter in the drive with those magnets.

I'm not sure what they do after that but I assume they would then break every one of the platters and dispose of them in multiple locations.

To do this yourself you'd need a fine torx screwdriver set -- one with the security dimple in the centre of the bits. Afterward, you'd also have yourself a **very** powerful set of magnets for other purposes such as spare 'keys' for JJL's magnetic locks.

Submitted Link #1: http://www.sandboxie.com/...

5527. Sebastian
Knoxville, TN
Age: 58
Mar 3, 2009
Problem Email
Open it in a “sandbox”. Get an old computer; if you don’t have one, they are cheap. Set the old computer up to receive and read email. Download or copy the email to the old computer, scan it for malware, and open it. Delete the email from your current computer. If the old computer is compromised, you can do a low level hard drive format and reinstall software with no losses.

5526. Alex
Ferndale, Michigan
Age: 41
Mar 3, 2009
My prior question
JJL, Yes to your question, but I'm also concerned that the email might potentially have a virus...or something of that nature. Also I'm concerned from a safety issue. The email came to a personal email not a corporate one. Thank you.

5525. Alex
Ferndale, Michigan
Age: 41
Mar 3, 2009
Problem Email
An ex-client of mine was convicted of a 2005 threat against a federal employee in another state last year. It resulted in a federal building being shut down for possible contamination. This person has not been a client for many years and I have had no contact with them since 2004. I do not want ANY affiliation with them at all. Last night the ex-client sent me an email. I do not want to open this email and was wondering how to get it off my computer. Just delete it? Any suggestions?

... I assume you are an attorney, and wish to avoid having the e-mail show up even if your e-mail records are subpoenaed, correct?

... If so, this is a tough one. The e-mail still resides on your IP's server. Perhaps some kind reader can help you with the immediate problem, which will involve more than just hitting the delete button.

5524. Seth
Collbran, co
Age: 50
Mar 2, 2009
Court: self-incrimination privilege won't protect password
This ruling is certain to be appealed, and will likely be overturned.

The simple fact is that the government cannot compel you to say or do anything that might incriminate you. They can't compel you to speak AT ALL, EVER, and they can't compel you to perform some action based on guilty knowledge that would produce incriminating evidence.

What this judge is ruling is equivalent to saying that if a drug smuggler has a locked safe in his trunk that the police can compel him to open it merely because a drug dog has detected the scent. They cannot, and the defendant can refuse to assist them. It then becomes the government's problem to break into the safe to obtain the evidence if they have a warrant.

Encrypted computer files are the same sort of thing. Only your testimony, in the form of giving them the password, either verbally or by typing it, would reveal incriminating evidence, and they cannot compel you to tell them where, or what, or how to find the evidence they want to use to convict you is. That's their problem.

In this case, they appear to be wanting to search the hard drive to find more evidence, probably including email links to other pedophiles, but since that information can be used to stack charges, unless they offer him immunity from prosecution for anything and everything that might be on the hard drive, he doesn't have to help them.

The important consideration here is what is the penalty for refusing to cooperate versus what the penalty is if some incriminating evidence is found. For most people, it's not a matter of criminal behavior, it's a desire for privacy, so it wouldn't be worth spending time in jail on contempt charges, but for child pornography, the added sentence could be substantial, so it's probably worth it to withhold the password.

5522. Michael
London, UK
Age: 40
Mar 2, 2009
RFID chips In PP/CC/DL...
I use DIFRWear products for blocking this as we Brits already have RFID passports and some credit cards are now wireless too.

They accept cash by mail in payment for your order.

Submitted Link #1: http://www.difrwear.com/purchase.shtml...

5520. John
Midland, TX
Age: 40
Mar 2, 2009
Court: self-incrimination privilege won't protect password
Thought some might find this of interest. The privilege against self-incrimination, a federal court has ruled, does not bar prosecutors from forcing a defendant in a child pornography case to decrypt his laptop hard drive—reversing a 2007 decision that found the demand to enter a password equivalent to compelled testimony.

Submitted Link #1: http://arstechnica.com/tech-policy/news/2009/03/co...

5515. Hector
Naples, FL
Age: 50
Mar 1, 2009
TrapCall
SERVICE UNMASKS BLOCKED CALLER ID TELEPHONES “TrapCall” offers a service to unblock blocked caller ID information. When a cell phone with the TrapCall service employed receives a call from a phone with a locked phone number, the service unblocks the phone number and caller ID information of the blocked phone number.

Submitted Link #1: http://www.trapcall.com/...

5514. Larry
Solvang CA
Age: 45
Mar 1, 2009
Tax Privacy
I work from home. I've been doing my own taxes for over 20 years. I'm one of those people who can sit down with a cup of tea and read through the instructions to the 1040 or any other form, to find the answers I'm looking for. I check out the "What's New" section at the very beginning of the 1040 instructions - every year. Never an audit. I go through the 1040 line by line, and follow the instructions to the letter - filling in the number or going to the form it tells me to - and on to any additional forms required. I flip back and forth between the forms and their specific instructions, until I reach a form that doesn't tell me to go further. At that point I know I'm done with that form, which really means I'm done with that line on the 1040.I don't deduct anything for a home office because it's a big gray area, so I expect the IRS to change the rules frequently. I don't feel like keeping up with the rules, or wondering if I've got them right. I download all forms and instructions from the IRS website, and use the free adobe program to type in all my information, except my name, address, ss# and bank account number - for a refund. I print the finished forms then hand write the sensitive stuff onto the forms. I snail mail it, certified, to the IRS. I have never given the IRS the address of a home I owned at the time I filed the return. No problems ever. I only give them the address of past homes I have owned, to claim a capital gains exemption or deduction for a loss. I put the address on schedule D, part 2, under property description. I do this the year after the sale. I don't deduct anything unless I have the original receipt or the closing documents showing the numbers. Never an audit. Never a problem. If I was audited, I would bring all my receipts, and whip out my 1040 instruction booklet for the year their interested in. I would spend my time with the auditor showing him my receipts and reading him his own booklet. I would not answer any questions beyond the issue listed in the audit. I am not an expert on audits, though, because I've never had one.

5513. Seth
collbran, co
Age: 50
Mar 1, 2009
Enhanced Drivers Licenses
There is also a metal mesh lined pouch and wallet available at some travel stores that will defeat the RFID chip by sealing it in the miniature equivalent of a Faraday Cage, thus preventing any RF query of the chip. If there are any electrical engineers out there, I would like to discuss a private project with one for a potential product to solve this problem.

5512. Dorothy
Topeka, KS
Age: 40
Mar 1, 2009
RFID chips in Driver's Licenses
Wouldn't the RFID chip in a passport accomplish the same thing? You say (and I believe you) that one shouldn't carry their driver's license as identification. I understand that the passport is superior in this respect because it doesn't give your home address right on the card. I've got that...

The problem is that a person walking through the crowd (as referenced in the article linked in the earlier post by somebody else) could ALSO pick up the RFID chip in the newer passports. That leaves almost everybody who carries a passport instead of a driver's license for ID vulnerable as well. Even those of y'all whose passports were issued prior to RFID chips will eventually have to replace them....

At what point will it cause even more questions to be one of the people in the crowd whose passport or driver's license doesn't "beep" while the security guy is walking through the crowd? Not that I'm paranoid.... LOL!

... There is seldom any reason to carry a passport. Since you always pay cash, it may be needed only when you wish to cash a check or travel by air and/or stay in a hotel or motel.

For those of you even more paranoid than your humble servant, wrap your passport in tin foil.

5511. Steve
Michigan
Age: 47
Mar 1, 2009
NM LLC owning another LLC
Mr. Luna, Can a New Mexico LLC own an LLC in another state that transacts business? I own several rental houses in an LLC, but wish improved privacy. Will a New Mexico LLC owning my in-state LLC help? Are there any down sides to doing this? I need to finance my properties, so I quit claim deed the properties into my LLC after purchase. (Financing through the LLC is more expensive.) I realize this does leave a trail, but you have stated in the past the transferring later is still a good idea. Love your book. Keep up the great work.

... Yes, an NM LLC can own another, anywhere. However, in the field of asset protection, I prefer that you get expert help--especially since you are using mortgages. Your best protection, as always, will be insurance.

5509. Sarah
Casper, WY
Age: 50
Feb 28, 2009
Enhanced Drivers Licenses
Just when you thought the REAL ID act had gone away....here is a "new" version that should scare you to death.....link below.

Submitted Link #1: http://www.worldnetdaily.com/index.php?fa=PAGE.vie...

... Remember, Sarah, that there is no need to carry your driver's license. Since it is only to show a cop if he pulls you over, leave it hidden in your car. (As always, carry your passport if you anticipate you are going need some ID.)

5508. Paul
Minneapolis MN
Age: 54
Feb 28, 2009
Re: #5505, Paul
Jack's e-book Invisible Money already has the advice that will help minimize this risk: Open your nominee account in another state, and at a smaller bank.


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