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From / Date: |
Question / Answer: |
| 6988. |
Alan
Austin, TX Age: 29 Jan 10, 2010
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Money
How do I cash my work checks without a bank account or for a substantial fee? Also, in the past I have submitted my info to universities for attendance, looking back and from reading HTBI, I see this was a poor move (although since I am now in the medical field it was almost impossible). Since there is not a way to erase my info from their system, how to I obtain HTBI with these institutions who have virtually all info on me? (passport, marriage cert, etc.) ?
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Sadly, one of the penalties you pay by entering the medical field is a lack of privacy. However, I see no reason for not establishing a bank account per the instructions in "Invsible Money."Further, you can still hide your home address, can you not? And the ownership of your car?
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| 6987. |
Tom
Denver Age: 65 Jan 10, 2010
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PDA pin, password storage Response
I was early adaptor to the Casio products. You can purchase a older model iPhone. There are several apps which store encrypted PIN's, passwords, bank accounts etc. To name a few: My Eyes Only, Lockbox, and Password. They can be backed up to a laptop.Once loaded, the phone does not need to be active on a network for these apps to work.
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| 6986. |
Josef
Port Huron, MI Age: 34 Jan 10, 2010
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Can you recommend a PDA or similar product for storing passwords,PINS,etc.?
For years, I relied on inexpensive electronic organizers(like sharp wizards)which were low-tech and reliable, no blue-tooth or wireless capability to worry about. No recharging, just replace the wafer battery once per year or so. As the Wizards became unavailable at stores, I switched to entry-level Palm Pilots, but have had horrible luck with them. They seem to only last a year or so then just stop working. So, can you or your readers recommend an inexpensive, highly portable alternative that I can easily slip into a pocket? I need to be able to retrieve many multiple passwords,PINS, etc., when on the fly. Using a cheap laptop computer would be much too conspcicous, not to mention bulky and cumbersome to tote around.
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| 6985. |
Lindsay
Beverly Hills, CA Age: 30 Jan 9, 2010
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Low-cost overseas address needed
All I need is an address overseas for a domain name. I would expect to get not more than one or two letters a year. (I might also use it as a return address on normal correspondence but unless the address or postage was incorrect, the letter would never show up at the overseas address.) Do you offer anything like that?
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Yes, for just 27 cents a day (3 year minumum). Although it is not currently offered on this Web site, you can contact Rosie for details. It's called the "PG" address.
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| 6984. |
Craig
Chesapeake, VA Age: 55 Jan 9, 2010
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Re: 6978 - Titling a car in VA using an LLC requires a Federal EIN
Using a Federal EIN kept my name and SSN off the records and registration, BUT
the VA DMV agents would not let me use an international address as the address of the LLC - they required I use the US address of the LLC on the IRS EIN letter.
They told me NO company can register a vehicle in VA without a US address.
I'm skeptical but was unable to think of any points that might have persuaded them as I was standing there talking to them beyond the "not doing business" approach.
It didn't matter to them that I wasn't doing business with the LLC and this was a personal vehicle.
On the positive side, they were patient and took the time to discuss it with me without threatening or bluster. This may not be representative of all VA DMV agents, but it kept it civil and informative.
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Would they have accepted an Alaska address?
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| 6983. |
George
Pomona, CA Age: 27 Jan 9, 2010
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How to Survive an Abduction or Hostage Situation
I think this is an excellent write-up for people in a bad luck situation.
Submitted Link #1: http://www.wikihow.com/Survive-an-Abduction-or-Hos...
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| 6982. |
Hu
Ayutthaya, Thailand Age: 54 Jan 9, 2010
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VA Title information
Here is part of the Va code of Registration. It says the SSN of the owner, if any. Would the LLC be considered the owner, and if so than wouldn't a SSN not be needed or am I just beating at Wind Mills<
>Virginia Code § 46.2-623 -(ii) the Social Security number, if any, of the owner and, if the application is in the name of an employer for a business vehicle, the employer's identification number assigned by the United States Internal Revenue Service;<
Submitted Link #1: http://law.justia.com/virginia/codes/toc4602000/46...
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| 6980. |
Craig
Chesapeake, VA Age: 55 Jan 8, 2010
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Re: 6978 - Titling a car in VA using an LLC requires a Federal EIN
It looks like any vehicle titled and registered in VA must have an SSN and/or EIN associated with it.
From the Privacy Notice section of VSA 17A (07/01/2008) –“APPLICATION FORCERTIFICATE OF TITLE AND REGISTRATION”:
The information, including Social Security Number, is requested in accordance with Virginia Code §§ 46.2-623 and 46.2-629.
Any person who refuses to supply the required information will be denied a Certificate of Title and/or registration.
Titles and registration records may be disseminated, in accordance with §§ 46.2-208 through 46.2-214, to business, law enforcement or authorized government entities.
From the searchable Code of Virginia:
46.2-623. Statements in application.
A. Every application for a certificate of title shall contain
(i) a statement of the applicant's title and of all liens or encumbrances on the vehicle and the names and addresses of all persons having any interest in the vehicle and the nature of every interest in the vehicle;
(ii) the Social Security number, if any, of the owner and,
if the application is in the name of an employer for a business vehicle, the employer's identification number assigned by the United States Internal Revenue Service;
and (iii) a brief description of the vehicle to be titled or registered, including the name of the maker, the vehicle identification or serial number and, when titling or registering a new vehicle, the date of sale by the manufacturer or dealer to the person first operating the vehicle.
It looks like the only option is have a nominee using your ghost address get an EIN and register for you, though your nominee would be on the IRS record as the "Responsible Party of the LLC" as the IRS online EIN application describes the person.
Thoughts, anyone?
Submitted Link #1: http://leg1.state.va.us/000/src.htm...
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I suspect that although an SSN is required (unlike most states), only the LLC name and address will show up on the registration. You might wish to check this out.
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| 6979. |
Deb
Manchester, NH Age: 41 Jan 8, 2010
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Frank, #6943
Hope this helps someone.
If you're willing to pay the utility bill in cash each month, then a good option is to call around and find a grocery store that accepts utility payments (in NH, some do. Not sure about other states). All you need is cash and a copy of the utility bill, or at least the utility bill acct. number. Not sure about other states.
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| 6978. |
Craig
Chesapeake, VA Age: 55 Jan 7, 2010
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Titling a car in VA using an LLC requires a Federal EIN
I was unable to title a car at a DMV location because I did not have an EIN for the NM LLC I wanted to be recorded as the buyer.
Filing for an EIN requires your personal information to be associated with the NM LLC then, which defeats the purpose of the LLC, it seems.
Any ideas how to handle this situation, anyone, other than a nominee to get the EIN and title, then register the vehicle?
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EINs are for those doing business in the state. Are you sure you explained that your LLC was ONLY to title a personal car, not for anything else? You might try another office.Any of you Virginans out there who've titled a car in an LLC?
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| 6977. |
jiim
Greenville NC Age: 35 Jan 7, 2010
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Debit Cards
FYI I saw something a while back where a CC merchant may place a hold on a debit card for more than the purchase amount. They will sometimes do this to cover late fees on rentals, missing towels in motels etc and it will usually last for a few days. Unlike a check (that cannot be changed by a merchant) this hidden fee can cause you to over draft should you exceed the cards balance.
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And not just debit cards. I currently have a $1500 hold still on from a Canadian hotel I stayed in ten days ago.
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| 6975. |
Carl
Cinti, OH Age: 43 Jan 7, 2010
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Two laptops
I've done PC support for years now, including mobile users. Personal use of company computers can be an issue at times, so if anyone poses a question as to why you have two laptops, you can simply tell them one is a company computer, subject to strict company policies. The other is a personal laptop.
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| 6974. |
Mike
Orange County, CA Age: 30 Jan 7, 2010
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Anonymous Western Union Money Transfer
All,
I had to send someone some money tonight (after business hours) via Western Union, and it was incredibly easy to do it anonymously.
I went to a local mom and pop check cashing place that offers the Western Union service. I wasn’t sure if they were going to ask me for ID or not, so I filled out the form with my middle name and an incorrectly spelled version of my last name. I made up a fake address and phone number, and put “N/A” for the email address and cell phone number fields. I handed the guy the form and cash, he entered the info on his computer, and then turned the screen towards me to verify the spelling of my “name”. I stated that it was correct, he printed the receipt, handed it to me, and that was it! No ID check at all.
Also, while I did put the real first name of the recipient of the money, you can actually put anyone’s name in that field and add a “secret” question on the form. With the secret question, anyone can show up and retrieve the money by simply answering the question – no ID required.
While Western Union is somewhat pricey, it can be handy for extraordinary circumstances when you need to anonymously and instantly send someone money (they have a $200 maximum limit for instant transfers, with a $12 fee regardless of the amount).
Good luck!
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| 6973. |
John
Virginia Beach, VA Age: 39 Jan 6, 2010
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Re: Hu Post#6964
Hu,
A solid door lock we have installed on our last two residences is a "Katy bar". Go to the web site for info and ordering. They only downside is you can't lock/unlock it from the outside, but it works great when you are home, blends in to the decor, and is quick and easy to solidly secure the door.
I have a linear actuator motor (car window motor) that I was going to mess with and see if I could attach it to the bar to lock/unlock it from the outside via a remote but I haven't had the time to mess with it yet. I talked with the inventor of the bar and he has had similar requests for a remote bar and was supposed to be working on it but so far I have seen nothing new (it has been about 3 years since we talked). Hope this helps.
Submitted Link #1: http://www.katybar.com/...
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| 6971. |
Jane
Watseka, IL Age: 40 Jan 6, 2010
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online ordering, ghost addresses, and billing addresses
A word of warning: Do not order intimate items from an online merchant and give them a CMRA for delivery and a PO box for "credit card billing address." I had to place 2 separate phone calls to get 2 separate listings removed from their very visually graphic mailing list. The graphics are on the outside of the envelope, not just the catalogs. Fortunately, I am the only one who checks those boxes. Unfortunately, I know the postmaster at the PO box personally (which was why I had the article sent to the CMRA in the first place!) I'm thinking that in the future, cash purchases from a face-to-face store while wearing a wig and cross-gender clothing might be a better idea than the embarrassment that caused me at the POB. While none of this may be a surprise to most of you, I was shocked that they had the audacity to add my billing address to the mailing list. I fully expected them to add the shipping address to the mailing list, which was why it was sent to the CMRA to begin with. Additionally, I filed an obscene mailings block on the PO box address several years ago, and apparently that meant nothing. The catalog was delivered there anyway.
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Mistakes are a constant problem. I just ordered a large item from Costco online and had it shipped to a friend's home in a nearby town. Costco immediately changed my billing address from a PO Box to my friend's street address!
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| 6970. |
Frank
San Diego Age: 35 Jan 6, 2010
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Richard #6953
Richard -
Does this CC profiling include debit card purchases?
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| 6969. |
Sebastian
Knoxville, TN Age: 59 Jan 6, 2010
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Thumb Security Breach
If you use encryption on a thumb drive, you should be aware of this security hole.
Submitted Link #1: http://blogs.zdnet.com/hardware/?p=6655&tag=nl.e58...
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| 6968. |
Frank
San Diego, CA Age: 35 Jan 6, 2010
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Mike #6943
Mike - I've looked over the k7.net website. Can you elaborate more on which of their services you use and why?
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| 6967. |
Marissa
San Mateo, CA Age: 42 Jan 6, 2010
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Thank you John & J.J., RE: 6948
John, thank you for the helpful info regarding your VISA debit card. I will open a second account at my credit union to protect the bulk of my money, and use the new debit card in lieu of a credit card.
J.J., I will follow your example and stay at more upscale hotels! I think the lower end ones may be more paranoid and rigid due to less attractive clientele, although I may still call in advance regarding policies. I'm afraid I don't trust my luck. Thanks for your help!
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| 6966. |
Frank
San Diego Age: 35 Jan 6, 2010
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Response to Mike #6943
Mike
I just wanted to thank you for the feedback you offered. Your response was very specific and direct. You also come at it (my questions) from a sharper perspective. Very helpful! And a breath of fresh air, I might add, compared to some of the other responses. I've printed your post and will take much of your advice into account when making my final decisions.
Yes, I have read HTBI. Let me state up front that my only reason for delving into HTBI is to keep large assets out of my name and away from the litigious- minded Americans I walk amongst daily. I will only be using this specific LLC to purchase the estate. The deposit info you gave was what I was looking for. HTBI did mention such briefly in the but I was looking for some recent real-world experience from those who have tried such in the past 12-24 months. That's why I posed the question. So I appreciate the insight you gave (even more so coming from a Californian). Very smart to think in terms of curt paper trails that do not link. NOT tying the utilities to the LLC leaves less of a paper trail and will definitely be the route I take.
I was considering opening a bank acct in the name of the estate LLC so that the utilities could be paid via direct withdrawal. It would just tie things together neatly and make it easier, but I also see the drawback as you kindly pointed out in your post. I recently talked to a local community bank and there is just no way around the SSN# which is a deal breaker.
I have not looked into K7.net. I'm on my way there after I leave this site.
Mike, thanks again for kindly extending your hand. Here's to positive energy and abundance on to you in the New Year.
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