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From / Date: |
Question / Answer: |
| 7584. |
Andreas
Norwalk, CT Age: 46 May 13, 2010
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The Banking Bill Authorizes Spying on You
The next monstrosity (2000+ pages) making its way through Congress is the banking bill. And there are provisions in this bill that will send a shiver up your spine. It sets up two new agencies to spy on your financial transactions: The Office of Financial Research and The Consumer Financial Protection Bureau. Supposedly set up to monitor risk in the system, they monitor things like consumer and credit card transactions. Don't be fooled, this bill is not about the banks, it's about government power over you.
Submitted Link #1: http://www.ocregister.com/opinion/data-248115-fina...
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| 7583. |
Fred
Los Angeles, CA Age: 35 May 13, 2010
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Cashing Checks
Hi Mr. Luna, You recommend using initials for deposits to a personal account. Should you inquire with the bank first to see if they will have an issue with this or do you just push ahead and see how they react? What has your experience been with this as of late?
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I have one accolunt where we just started using initials, and no complaint so far. With a recent new account--this one for a trust--we set up initials from the beginning. Here's an example:
"NO NAME TRUST (N.N.T.)"
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| 7580. |
Teresa
Lewiston, Idaho Age: 48 May 12, 2010
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Airport reader (#7578)
Mark, I suspect that this part of the Homeland Security Act. In larger cities, too, murders have been solved by tracing license plates of vehicles left in long-term parking (pre-9/11).Just a thought....
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| 7579. |
Teresa
Lewiston, Idaho Age: 48 May 12, 2010
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Mail vs. home address
Dear Mr. Luna:
I have read your book, and read the first chapter twice. I'm afraid I'm not clear on this:
"Put in a temporary forwarding address with the post office.... At the end of this temporary period, cancel the service."
I guess I'm not getting it: Does this mean the temporary forwarding or the P.O./CRMA itself?
Thank you!
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Cancel the temporary forwarding service, not the CMRA. Then close the PO Box.
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| 7578. |
Mark
Barnesville, GA Age: 35 May 12, 2010
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Atlanta Hartsfield airport license reader
Went to pick someone up at the airport in Atlanta and parked in the parking deck. Later, went to leave the parking deck and the cashier asked if I wanted a receipt. I didn't need one, but said yeah. I looked at the receipt and it had my vehicle license plate number printed on it! Beware.
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| 7577. |
Mark
Austin, TX Age: 26 May 12, 2010
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Alan's Q no. 7571 - TX car registration
I've registered my car in the name of an LLC and transferred the title to an LLC all at the Travis County Tax Office on Airport Blvd. I've never been to the DMV for that. The employees at the tax office are very much your average bureaucrat. Different employees will tell you different things. Their heads explode if you don't have an ID, so bring one because they won't do anything for you if you don't have one. Never mind that there are no such rules or laws that require it. They'll surely tell you "it's the law." What law they're not exactly sure.
I did need a TX address for them to send registration renewal mail to since I paid in cash, but that might not be have to be in state. I just didn't have a far away ghost address at the time. They also wanted an address where the vehicle would be garaged/parked. I gave the address of a local parking garage which I might park at every once in a while. :)
I'm about to need to run this Tax Office gauntlet again this month, but I'm thinking of trying to find a private company to do it all. I recently saw mention of "title transfer & stickers" on the office sign of an insurance agent that caters to the Spanish speaking community. I'm sure there's more of these around.
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| 7576. |
Miki
Asheville, NC Age: 43 May 11, 2010
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Privacy documentary
Couldn't find a reference in the comments via Search, but there is a documentary out now entitled "Erasing David". English filmmaker tries to hide from investigators for a month. His reason for the doc is his being made aware of just how much of a "datastream" he produces in the world's third largest surveillance state - the UK. Interesting viewing - he should've read HTBI!
Submitted Link #1: http://erasingdavid.com...
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| 7574. |
Matt
San Angelo TX Age: 27 May 11, 2010
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Forming a solid business structure
I plan on forming a NM LLC and I have a few questions.
1. Should I use the LLC strictly as a holding company or can I perform business out of it as well?
2. I have an ex-wife and I can bet she will be taking me back to court. How can I effectivley use the NM LLC to hide my assets?
3. Is it true that the tax id number on the nm llc is not associated to the members?
4. How can I built my biz credit with a nm llc?
Thanks in advance!!!
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1. Either way, but if used for business, work with your CPA.2. Hiding assets in such a case is probably illegal. 3. That is NOT a tax ID, and has nothing to do with members. 4. I know nothing about getting a credit rating. I always pay cash or do without.
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| 7573. |
Alan
Austin, TX Age: 29 May 11, 2010
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NM LLC-Tickets
...Anytime you get a ticket, the info on your DL is forever linked the license plate on the vehicle you were pulled over with. So, next time your license plate is ran/typed into the patrol car, they can see that you had a local citation and can access your info easily. If you go out of state if they find the ticket they can find your DL info with your name and DOB, state of DL. I hope this makes sense. I hope the linked video helps explain...
Submitted Link #1: http://www.youtube.com/watch?v=Z6WNRz_Oi1I&feature...
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You are referring just to one city in one state. In any event, drive safely, check your lights frequently, and keep your tabs up to date.
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| 7571. |
Alan
Austin, TX Age: 29 May 11, 2010
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LLC
I went to the DMV and asked about registering my vehicle under a NM LLC, They said that I had to have an offical branch in their state in order to register my vehicle. JJ-Any general ideas or tips? Does it usually work to take the out-of-state LLC to the DMV with a local physical address?
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Several years ago one of my nephews licensed a pickup in Austin. If I remember correctly, he had to give a street address in Texas. If any of you Texans have had a different experience, please send a post.
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| 7570. |
Mary
Baudette, Minnesota Age: 64 May 11, 2010
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Mail-forwarding needed
I like the idea of a ghost address in Alaska or Spain, but I expect to get several hundreed letters a year (in at least six different names), which I assume would be extremely expensive. Are there any other options?
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It so happens that a quote for a similar amount of mail was made earlier this week, by another person. In answer, this quote was given:
If letters are sent once each month via Priority Mail, $200 per year. If sent twice a month, $285. (I consider this to be quite a bargain.)
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| 7569. |
leonard
columbia, sc Age: 36 May 11, 2010
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portable apps/lib privacy
i just tried to download the portable apps/ firefox browser, for use on the library computer for private browsing. i tried to install it on a cd, but i got a mess that said it could not be run from a read only source. what did i do wrong? do i need to get a flash drive. last time i copied a file it was to a floppy, so i'm pretty rusty.
any suggestions? thanx.
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| 7568. |
Nick
Toronto, Ontario Age: 22 May 11, 2010
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Facebook vs. Privacy
In response to Jay, post #7559:
Thanks for the article Jay! I think the arguments and facts are right on! But the solution presented - to delete or deactivate your Facebook account - is nothing short of paranoia. Moreover, there’s much you can do to fix the privacy issue and keep the benefits of having a social networking account. Often, “eliminating” is the simplest and most effective method, but here we are overlooking a few important solutions.
A year ago, I decided to start using Facebook differently, rather than not using it at all. Below, you will find the “protocol” I followed to reach my privacy standards. For those in hurry, I suggest you scroll down to the conclusion. I think my approach, unlike that of many conservative privacy advocates, better takes into account the realities of the “You-Tube-and-Facebook” generation. I know, because I’m part of it. That said, the following lines remain subjective and reflect only but my opinion on the matter.
For those who already have a Facebook account (and who display their private information and photos the way a strip dancer would undress herself on stage), I am sorry to say that no matter what you do now, your information will always be retrievable (namely, through server backups). Yet, it’s not because your data is retrievable that it is readily available to the public. They’re ways to lessen the damages.
I already had an account. My privacy settings were not extremely high but I was careful in choosing what information could be displayed. But this was insufficient. So this is what I did:
1) I started by downloading this simple program called “My Facebook Contacts” to backup the contact details of all my friends onto my computer.
2) I then wrote a sample message, which I sent to all my contacts, telling them I was now deleting my Facebook account for privacy reasons.
3) I then proceeded to removing each and every one of them from my contact list manually, clicking the “Remove from Friends” button next to the name of the contact.
4) I untagged myself from every picture, video or any other media for that matter.
5) I made a backup of all my photo and video albums onto my computer.
6) For privacy reasons, I had never activated my wall so there was nothing to delete there. This should be done as well.
7) I deleted all my network and group affiliations.
8) NOW, this is important, I did NOT deactivate my account. Deactivating your account does NOT delete your account as such. Your data is safeguarded indefinitely onto the servers, and would still be accessible to any private investigator willing to pay enough to retrieve it. Instead, I deleted it. For obvious reasons, Facebook does not publicize this method. The link is “buried” (as properly said by Dan Yoder in his article) in the online help.
Once your account is deleted, if you persist in wanting to have a new Facebook account, this is what I suggest you do. This is what I did:
1) I created a new account using my secondary e-mail address (“ghost” account) and a pen name. Now, here, some will say this is illegal because the Facebook “Terms and Conditions” specify that any information should be “truthful”. But honestly, how in the world would they verify that? If you are uncomfortable with this alternative, simply use your middle names, omitting both your first and last name. As far as I know, using middle names or initials remains totally legal.
2) First thing you do once your account is created, is going to “Privacy Settings” and increasing all your privacy settings to their maximum level. In that way, no one will be able to Google search your middle names (in case somebody knows them). Your profile will just go “invisible”; no one will be able to send you friend requests (unless using a friend’s profile as proxy), browse your profile or even search your profile on Facebook (other than those you’ve accepted as friends).
3) Deactivate your wall. Use your e-mail to communicate with people.
4) Do not join any religious, political or social groups and networks. They tell a lot about you.
5) Do not put a picture of yourself as a profile picture. For example, mine displays a beautiful mountain landscape.
6) Do not upload any video or picture of yourself onto your profile. Do not tag yourself in any picture either.
7) Pretty much, the rule is, do NOT upload, post or display any information (ie, written, audio, video) that could reveal anything about you.
8) Now, Facebook policies reserve them the right to deactivate your account if no information is posted on a regular basis. I personally log on every 4 to 6 days to upload pictures of random people (ie, just type “people” in Google image) or places. Every once in a while, I also change my status quote from, “Hello world!” to say, “I scratch my head”. Just provide totally irrelevant information to keep you account from being deactivated. Try to make it look personal, but NOT relevant to YOUR person.
9) Now, remember your backup contact list? Browse through it and select those “Friends” who REALLY are friends. I have 18 of those (most are family members), not 3000!
10) Send them a friend request. Also send them an e-mail, using your secondary e-mail account, telling them it’s you. Do not forget to discuss with them your need for privacy (ie, “If you happen to have any picture of me, do not tag me unless I tell you so.”) Otherwise, just give them a call. It’s easier to explain.
11) This step is optional. But for business and social purposes, I decided to join several academic networks. When you are part of a network, often times, partial if not full profile of its members is accessible. Since I do not display any personal information on my profile, I have nothing to give away. But it gives me access to often more than 30,000 personal Facebook profiles per university campus (partial or complete)! I use this for recruiting, profiling and screening candidates for my company, or sometimes just for surveying. Just be careful in choosing “neutral” networks (ie, what not to do: Network Name - People Who Live on my Street XXXX, Toronto”). Just use common sense. Networks require that you provide an e-mail address that associates you with a particular group or organization. I usually use a nominee for that (ie, “Frank, do you mind if I use your university address to join that network?”).
Now let’s see what I’ve accomplished through these simple steps. I have a first layer of privacy using the enhanced privacy settings of Facebook. No one (with the exception of my friends, some crooked Facebook employee and some very well paid investigators) will have access to my personal profile. Now, if by any chance, someone manages to bypass that first layer of safety, what is there to be found on my profile? Other than a couple galleries of animal and landscape pictures, and a few comments that make no sense, absolutely nothing. (But CAREFUL here: although nothing is displayed about your person, private investigators could see who your friends are, try to contact them, then extract some information about you. So just make sure they know how much you value your privacy.)
I, on my side, can read through my friends profile as if they were newspapers. I want to know what they’re doing now, where they live, how to reach them, what is the name of their new dog - I just browse through their profile. But I seldom ever use Facebook to communicate with them. I either use my main or a secondary e-mail account for that purpose. If you decide to join a network, now, you potentially have access to well over 30,000 partial or complete profiles. How is that for comparative advantage?
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| 7567. |
andreas
norwalk, ct Age: 46 May 11, 2010
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Chex system and new bank accounts
I opened a bank account at a small credit union recently. With the information I gave, the bank teller was able to put up instantly a complete list of addresses I'd lived at for the past 20 years. She told me was using the Chex system to check me and said she was required to do this. She asked about one from 10 years ago, presumably to verify my identity. I don't know if this was because I wouldn't give her a DL, only a passport. But it emphasizes the need for ghost addresses only being in this database.
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| 7566. |
Drake
LA, CA Age: 34 May 10, 2010
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So you bought an IPad...
Even if histories are deleted...."Mobile Spy will SILENTLY record a list of every website visited, every email sent and received, along with any Contacts added to the device. All of these logs are then sent to your secure Mobile Spy account which you can access from any web browser."
Submitted Link #1: http://www.mobile-spy.com/ipadspy.html...
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| 7565. |
Nona
San Francisco, CA Age: 44 May 10, 2010
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Motor Cop opinions
This anonymous California cop blows off steam by writing about his day. He answers questions from the public too. In the installment linked below his public defense attorney-pal writes about the impact of current technology and databases as they relate to the future of Motorcop's job.
Submitted Link #1: http://www.motorcopblog.com/2010/05/north-state-da...
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| 7564. |
Stan Hensley
Houston, TX Age: 32 May 10, 2010
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ATT U-Verse
Has anyone had any luck in signing up for ATT U-Verse without using an SSN? I have tried calling in a couple times and they insist on a credit check before you can sign up. I have offered to put up a deposit equal to what those in the worst credit category would pay, and they will not budge. Anything to do short of using a nominee?? I am a little bit desperate as there are no other options at my location other than slow 3Mb/s DSL. (I am interested for a faster fiber optic net connection only and not TV)
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| 7562. |
Casey
Houston, TX Age: 27 May 10, 2010
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NM, LLC and a traffic stop.
Hello! I am thinking about getting a NM, LLC, however, my question is as follows - if my vehicle is registered to an LLC, will there be a different process for paying for or contesting a traffic violation? Is there anything I would need to prepare for, if a police officer decides to give me a hard time about the fact my LLC address is in another state or country?
Sincerely,
C. Ryback
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A ticket is to a person, not a car. I have never had a problem with that. ... Same answer for the second question. I have been personally told by a cop that his interest is in the driver, not in who owns the car. "We pull over persons who drive company-owned cars many times, as well as those who are using someone else's car. Not a problem."
... The only question I have been asked about this is "Do you work for this company?" I answer, "No, I own it." End of questions about the LLC.
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| 7560. |
Fred
Los Angeles, CA Age: 35 May 10, 2010
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Pre Paid Cell Phone use
I currently have a prepaid cell phone registered in a pen name that I only use for a phone number that I give out to companies or organizations that I would never want to communicate with. Its almost never turned on, but only to check its subscription status, battery life etc.
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| 7559. |
Jay
San Antonio, Tx Age: 37 May 10, 2010
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10 Reasons to Quit Facebook
JJ, I thought your readers might like to see 10 more reasons they should seriously consider quitting Facebook.
Enjoy,
Jay
Submitted Link #1: http://gizmodo.com/5530178/top-ten-reasons-you-sho...
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