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#: From / Date: Question / Answer:
7741. Danny
Livermore, CA
Age: 32
Jun 26, 2010
7716 - Scott
Scott wrote, "Have a NM llc. Want to use it to open a non-interest bearing checking account. Bank requires an ein. Any cpa types (or others) have experience and/or advice on how to fill out the ss4 - application for ein form. Especially question 9a - type of entity, and question 16 - principal business activity ( probably "other", but what? Thank you in advance for your help.

9a I would put Sole Proprietor or OTHER: and write in LLC. (It says if 8a is yes see instructions, but the instructions don't say much about it either.

16 - Other and fill in the blank.

FYI: You can get an EIN fastest using the online form (see link of #7723) or call it in.

The link below is the SS-4 form in pdf.

JJ - The following message I will send will be the html instructions link.

Submitted Link #1: http://www.irs.gov/pub/irs-pdf/fss4.pdf...

7740. Charles
Washington, DC
Age: 42
Jun 26, 2010
Privacy, the Police and Passports

Yesterday, after buying a car off of Craigslist, getting a temporary move permit and driving around, I was pulled over by a County Sheriff. The move permit paper wasn't quite visible in the back window and the car had no tags, yet. He wanted to see what was going on, and if the car was stolen.

In the vehicle was myself, a properly licensed driver from a far-away State; my wife who only had her passport as an ID; and our 2-year old son in his car seat.

After fixing the move permit in the window, showing the officer the title of the car, and giving him our IDs, the educational part began.

He didn't like my wife using a passport as an ID and kept asking for a driver's license or State ID. My wife does not drive and has not in over a decade. She had a State ID in Illinois a few years back, and a license in Florida 20 years ago, but that is it.

The officer wanter her SSN, which she said "I don't have it memorized" and had no other paperwork with it written down. He questioned this a dozen different ways, not buying her story but she stuck to her guns (and we do NOT have anything with the SSN written on it).

His problem? He can't verify identity using a passport! It doesn't contain an SSN nor an address, and he has NO ACCESS to the Federal system that records passport data! Neither of our names showed up in Virginia's database by name & DOB. And for some unknown reason, my wife's old but still valid Illinois ID did NOT come back by name and DOB. He was stymied because she wasn't in any computer system he had access to. (Don't be fooled by the 2-year old son. We also have 20+ year old children, so have had almost half-a-century to get "in the system".)

In the end, his suggestion was for my wife to write her SSN and address in the passport. :-) Somehow, I just don't think that is going to happen!

... Excellent information for us all, Charles. Well done!

7739. Charles
Washington, DC
Age: 42
Jun 26, 2010
LLC Auto Title in Virginia
If you look at the VA DMV website, you'll see a long list of requirements for titling a vehicle in your name. IDs proving who you are, bills proving where you live, etc.

Yesterday I was in the DMV and proposed the following scenario.

I own a computer consulting business from out of State. I travel to areas where my clients are and frequently stay for a few months at a time. Since I'm only here for a few months, then gone, I don't get a driver's license in this State. (They agreed this was correct.)

For tax purposes and the fact it is just plain cheaper for me, I usually just buy some cheap old car off of Craigslist instead of renting one, then sell it again when I leave. How hard is it for me to register that car in my business' name, an out-of-State LLC with no local presence?

I was told to just bring the form from the IRS with the FEIN and the LLC papers and an ID that matches the name of the person authorized to sign for the LLC. (This person does NOT show up in the database. The new title & registration is in the name of the LLC.) They also need an address where the vehicle will be garaged.

I said I change garaging locations every month or two, as for the next six months my territory ranges from Front Royal east to DC then north to Baltimore. The DMV person said "pick one and don't bother changing it with us".

My next question was "what proof do I need of the address?" Answer. "None. Just tell us what it is."

Make sure to pick an address NOT in city limits and the registration will just show the COUNTY where the vehicle is to be garaged.

As for the FEIN number...it is a GOOD IDEA TO GET ONE! Virginia, like many other States, can look up vehicle records by owner SSN. Any competant PI is going to have my SSN if looking for me, and it would quickly turn me up and expose my LLC name. However, since they don't know about the LLC, they don't know about the FEIN. A search by my SSN shows NOTHING!

... Comments about VA from a PI friend:

"If I'm already looking for someone - I'll have their full SSN in the dossier eventually. Sooner rather than later.

"Looking up his SSN would not find a vehicle if the vehicle is registered to the LLC, not him. If he has an FEIN for the LLC registered vehicle(s) it might not be as simple and quick to locate his vehicle information.

"Does Virginia REQUIRE an SSN or an FEIN to register vehicles?

" According to: http://www.dmv.state.va.us/webdoc/pdf/vsa14.pdf Yes. Under the Privacy Notice and Ownership Information sections they make that clear. 'Any person who refuses to supply the required information will be denied a certificate of title and or registration.'

"Directly after that sentence, is this disgusting abomination: 'Title and registration records may be disseminated in accordance with §§ 46.2-208through 46.2-214, to business, law enforcement or authorized government entities.'

"Charles is correct though when they say having his SSN will not reveal the existence of an NMLLC - or the vehicle(s) registered to it.

"It is certainly worth trying to talk the Virginia DMV clerk out of strictly enforcing this requirement. Another reader may have an effective ruse/story. But having an FEIN for a fall back plan may be the only way to go for VA resident readers."

7738. Adam
Dunedin, FL
Age: 34
Jun 25, 2010
Birth without a birth cert
I don't wish to belabor the point, but my aunt didn't get birth certs for their 6 children at the time of their births, and it created a TERRIBLE mess. Certainly its not required to get at birth, but at some point the child will become an adult and will want a drivers license, passport, etc and you'll need the birth cert then. To issue a new cert of live birth for a 16 year old is next to impossible; I know from seeing their experience. If you wait, don't wait too long, or you'll regret it. Not for fear of gov't, but for fear of the unnecessary hassle. Efficiency is my motto; avoid complexity. Getting a cert at birth can be private and not complex. Thats my $.02.

7737. Adam
Dunedin, FL
Age: 34
Jun 25, 2010
Private business
Mr Luna, one thing I'm not fully clear on with regards to a private business in the name of an LLC is earning income. (I've re-read the HTBI chapter, but maybe I'm dense.) Example of a photographer with "ABC Photography,LLC"; without a Tax ID # you can't have a bank account and can't accept checks. I was wondering if I did a DBA in a similar name like "ABC Photo", then I can get a bank account with my SSN in the similar sounding DBA name. Is my idea sane, else can you explain how you do it?

... No LLC bank account is necessary. No dba either. This is clearly explained in my SKIP COLLEGE e-book.

7734. jay
phoenix,az
Age: 35
Jun 25, 2010
Off-Grid Birth
We had an off-grid birth this year that went 100% unregistered and will not prevent us from getting a birth cert or passport should we want to get one later. Don't buy into the fear tactics that you must get a birth certificate right away. I wont get into the details of the research my wife and I did, but I'll give you the results of our research.

Did you know the federal and vital statistics agencies still accept family bible records? This is likely how your grandma and great grandma did it. First off, you do want to get a midwife, preferably unlicensed. Some states require licensed midwives, some do not so research your own state. Our midwife did not report the birth on our religious grounds that the baby is a child of god given to us and does not require state registration. I then purchased a bible that had a family records section and put the birth record in there. Then I had two witnesses sign in the bible next to the birth record. As an extra measure, I put together an aseveration document that detailed the birth (exact time, name of the child, who was there, the weather, anything you want) and again had two signatures at the bottom. In Deutoronomy (and one other place) in the Bible it says at the mouth of two or three witnesses will the matter be established. So there you have it, an off-grid birth and this was how it was done in the old days. You CAN get a birth certificate later as well as a passport with this method but you will need the bible. The birth aseveration document will also help but is not required. If anyone asks, claim your religious beliefs. Religious free exercise in this country is your best ally!


7733. michael
princeton nj
Age: 39
Jun 25, 2010
benefit of passport is questionable
JJ, How beneficial is a passport for domestic ID if: 1. A given state allows a PO box to appear as the address on the DL. 2. The state DMV accepts an "alternate" address on their record for street address. 3. One only uses a DL for ID when asked by the police and no one else. 4. Since a driver's license is needed for driving, does it not make more sense to limit or adjust the info they DO have? 5. If one prefers to travel by train or car, why be concerned that someday passports will be needed for domestic flight? 6. If one needs to cash a check, a county ID card may provide adequate identification without revealing driver's license number (granted this requires careful investigation on the requirements for, and inquiry on the information that WILL appear on this type of card). Have I missed anything? I welcome your response.

... Too many questions, all run together, and there is no one answer for everyone. Make your own decisions, please.

7732. Adam
Dunedin, FL
Age: 34
Jun 25, 2010
Private Birth

We managed this with our recent birth. Use a midwife at a birthing clinic (its not dangerous; don't listen to the fear mongers). You can refuse to fill out 98% of the State's forms.

Even the parent's birth place can be skipped if you insist hard enough (which I did). All the birth cert has is our names, and the place of birth which was a clinic.

Use your ghost address for all records. Not too bad.

7730. Nona
SF, CA
Age: 45
Jun 24, 2010

What ever happened to Jim in Orange, California and his experiment with the-homeless-nominees?

Did it work? Did he stop trying? Did he write an e-book about the experience?


... Are you out there Jim?

Hello? Hello?

7729. scott
georgetown tx
Age: 54
Jun 24, 2010
7723 - Danny
Thank you so much for your help Danny in Livermore.

7727. George
Pomona, CA
Age: 27
Jun 22, 2010
How to Keep People Out of Your Trash
This is no substitute for proper shredding precautions and is not enough to deter a P.I., but it will definitely keep nosy neighbors and homeless people out of the trash. I especially like idea #5.

Submitted Link #1: http://www.associatedcontent.com/article/1933466/h...

7725. Lewis
Athens, Georgia
Age: 40
Jun 21, 2010
Birth Tourism instead of births at home
Regarding births at home, I am reminded of a previous post about "birth tourism". If one is worried about c-sections and medical complications, why not go to a country like Brazil, and give your child another option?

I like the idea of jus soli. States that observe jus soli, according to Wikipedia include:

Antigua and Barbuda Argentina Barbados Belize Bolivia Brazil (Male Brazilian citizens must have a military service obligation.) Canada Chile(children of transient foreigners or of foreign diplomats on assignment in Chile only upon request) Colombia Dominica Dominican Republic Ecuador El Salvador Fiji Grenada Guatemala Guyana Honduras Jamaica Lesotho Malaysia Mexico Nicaragua Pakistan Panama Paraguay Peru Saint Christopher and Nevis Saint Lucia Saint Vincent and the Grenadines Trinidad and Tobago United States Uruguay Venezuela

Submitted Link #1: http://www.canaryislandspress.com/index.cfm/fa/sho...

7724. Stan
Atlanta GA
Age: 44
Jun 21, 2010
Birth at home
Saw the birth at home/midwife post and wanted to chime in here. Had we gone that route, my wife and baby would not have survived. An emergency C-section was required to save the life of the mother and baby. I think telling the hospital staff " We haven't decided on a name yet" line is the best route. Wish I had thought of it years ago at the hospital.

7723. Danny
Livermore, CA
Age: 32
Jun 21, 2010
7716 - Scott
Go to the IRS Online SS-4 Application for EIN. (see link submitted)

- Click Begin Application - Identify: - LLC - Single Member (Disregarded Entity) - Banking Purposes - Authenticate: - Individual - Provide your information there.

Remember that this information will be submitted to the IRS.. and that your only exposure outside of federal authorities would be if the bank requested a copy of the EIN form. I have never encountered a bank requesting the actual form. They just ask for the EIN.

Also, it is my experience that the bank will still want your ssn if you use the method above because a single member LLC is a "disregarded entity" for federal taxation purposes.

One possible way around that would be to not disclose that it is a single member LLC.

Submitted Link #1: https://sa2.www4.irs.gov/modiein/individual/index....

7721. Darius
Detroit, MI
Age: 31
Jun 20, 2010
Should I receive mail in the PLACE OF BIRTH listed on my Passport?
I was born in Michigan and moved to Ohio when I was 20, still in college, living at home with parents. When I first enrolled in college at 18, while living in MI, I opened 2 different P.O. Boxes, using one for personal,school mail, the other for banking and credit card bills. When I moved an hour south to Ohio, I changed my Drivers license to OH, closed the 2 MI PO Boxes,got 2 PO Boxes in OH and notified the college, banks and credit card companies. For the last 2 years, I've been living part-time with my girlfriend in Detroit, working in Detroit, and still have my BMV, auto insurance info. go to the OH address where I rent a room from my sister for $50/month.

Now, I'll be applying for my first U.S. Passport and see the only geographical information on it is PLACE OF BIRTH. Since I'll be using this as my primary ID, unless stopped by a policeman, where I only give him a drivers license, should I close my OH PO Boxes and replace them with 2 PO Boxes in MI again, since that would match my MI location on the Passport, keeping my OHIO presence a mystery to all except the police, auto insurance company and the OHIO BMV(Bureau of Motor Vehicles)?

... Unless there has been a recent change, your passport will show only the state where you were born, not the city or town. And almost no one pays any attention to that anyway.

7719. Richard
Park City, UT
Age: 31
Jun 19, 2010
Passport benefits
Hi, I own HTBI and am a frequent reader. I’m trying to explain the benefits of a passport over a driver’s license, and can’t find supporting references I thought I learned from you. Would these statements be accurate? Thanks.

1. Driver’s licenses are more easily copied and can be used to steal identity.

2. Most states sell data from driver’s licenses.

3. Passports may be required to fly domestically in the future.

4. If a teller writes your driver’s license number on a cashed check that can expose you to identity theft.

... All of the above are true, but the main reason is that a passport does not reveal your street address, city, or even state.

7718. Seth
collbran, co
Age: 50
Jun 19, 2010
#7707 - Off-the-grid childbirth
5 words: Home Birth With A Midwife.

I will venture a guess that every state in the Union has laws similar to Colorado's, which impose a legal requirement on all professionals, including midwives, to report live births to the registrar of vital statistics.

Likewise, I'm betting that all states have laws making it a crime to neglect or refuse to report a live birth. In Colorado it's a misdemeanor.

There are good reasons for requiring that births be recorded, and the most compelling is that this is how your child's citizenship is granted. Keep in mind that if you do not register the birth of your child, it is your child who will suffer. He/she will not be able to get a driver's license or a passport, won't be allowed to vote, and will lose out on all the benefits of being a documented citizen.

While it may be ethical for you to go "off the grid" to the extent you can do so to maintain your privacy, your children do not deserve to be burdened with the frustrations and difficulties that will attend their not having a birth certificate.

Do them a favor and make sure their birth is recorded. Go have the baby in a neighboring state if you must, and simply refuse to provide address information if you like. Most states require the name of the mother and father and the name of the child, along with the time, date and place of birth, and little more, so it's hard to see what information is required that would compromise privacy to any substantial degree so long as actual residence location is concealed.

7717. Dorothy
Topeka, KS
Age: 44
Jun 18, 2010
#7707 - Off-the-grid childbirth

5 words:

Home Birth With A Midwife.

7716. scott
georgetown tx
Age: 54
Jun 18, 2010
irs form ss4
Have a NM llc. Want to use it to open a non-interest bearing checking account. Bank requires an ein. Any cpa types (or others) have experience and/or advice on how to fill out the ss4 - application for ein form. Especially question 9a - type of entity, and question 16 - principal business activity ( probably "other", but what? Thank you in advance for your help.

7715. helmut
Kitchener,Ontario
Age: 70
Jun 18, 2010
Passport cross references.
Just a reminder to all bloggers who are entitled to Canadian citizenship:Canadian passport questionaires do NOT ask for Canadian Social Insurance numbers.On the downside, those numbers and the related I.D. cards are only mailed to Canadian addresses.But,with those two documents and Canadian mail forwarding your bank teller should not ask any "catch" questions.

Submitted Link #1: http://www.cic.gc.ca...


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