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From / Date: |
Question / Answer: |
| 8657. |
Alan
Atlanta, GA
Age: 35
Dec 19, 2011
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Home Insurance Privacy?
I read in HTBI that when acquiring auto and home insurance, there really is nothing that can be done about privacy in this matter as the person insured must be listed along with the home address. Now I believe JJ mentioned that Auto Insurance can be obtained with a different agent in the same state using a ghost address, however Im just confirming that the only way to keep your name and address separate for a home insurance policy is to provide the true home address but perhaps listing it in the name of a trust as opposed to your name? Please advise on what other options you have with insurance? Thank you
A
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No, I have never said to use a ghost address for a home insurance policy. That makes no sense. The choice is no insurance or else list your true address. (Your home address is fairly safe with the insurance company although nothing is perfect.)
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| 8656. |
Alan
Atlanta, GA
Age: 35
Dec 19, 2011
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Home Purchase Privacy with Revocable Trust
JJ,
I am moving to the state of WA and want to know if establishing a Revocable Trust will protect your privacy on the Deed of Trust and Warranty Deed even if you will need to get a mortgage through a Bank. I understand that personal credit will be run to obtain the mortgage, however I my concern is privacy in the county records as to what the Deed of Trust and Warranty Deed says. My understand is that its possible to put the Name of the Trust on the Warranty Deed, however on the Deed of Trust, can only the Revocable Trust be named or must the individual obtaining the finance be named as well?
Please Advise. Thank you
A
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I am not an authority on trusts but if a mortgage is involved, this does not sound good.Why not rent until such time as you can pay cash?
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| 8655. |
Mel
Austin, Texas
Age: 42
Dec 18, 2011
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New Device
Thanks Mel--I may use that in my blog or in a mass email.
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| 8654. |
Anne
Los Angeles, CA
Age: 29
Dec 18, 2011
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8640 - Books
Dan - Libraries are not consistent. I've held library cards in several different cities. One, and ONLY one, of those libraries insisted I show a photo ID, have my picture taken, and show two proofs of residence (such as a lease or utility bill). I should mention that it was by far the best library I've ever used, and they (understandably) don't want non-residents using the facility without paying the non-resident membership fee.
The rest didn't even ask for my ID, and at one library I used my work address instead of a home address, with zero difficulty. (It was one block from the library in question and wasn't residentially zoned, but the librarian didn't ask any questions...)
The librarians I've talked to resent having to hand over patrons' records at all, and I suspect very few will do it without a warrant. Even better, some library systems aren't set up to permanently record patrons' full checkout history. Doing so would take up a LOT of disk space (which costs money), so some library software doesn't save older entries in patron records.
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| 8653. |
Deb
Derry, NH
Age: 42
Dec 17, 2011
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NM LLC for titling cars & property in MA
Hello,
I am in the process of moving, buying a new home, setting up a business & utilities, and titling/registering/insuring a vehicle in MA.
Can I do all of these things privately, or will MA demand the name of a real person? Will I be able to accomplish these things on my own, or will I need an attorney?
What I am trying to accomplish is to keep my name out of public records as much as possible.
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Use a NM LLC. You will have to sign for it but that should not appear on the registration. For insurance, use your own name--that's fairly safe.
I doubt an attorney can help. Most do not have a clue about privacy.
Check with Rosie Enriquez if you still have questions.
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| 8652. |
Calvin
Detroit, MI
Age: 37
Dec 16, 2011
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Are there any prepaid smart phones that allow for the removal of the battery?
Can anyone recommend a prepaid smart phone that allows for the removal of the battery when the phone is not in use?
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| 8651. |
Zoe
Oak Harbor, OH
Age: 60
Dec 16, 2011
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home security
I recently learned about a $35 device (with a timer) that simulates the flickering of a TV to help make outsiders believe you're at home when you're not. I'm often not home during the work week, but I want to make my house look like I am. I leave the kitchen radio on when I'm away, but that flickering TV on a timer thing would be great too. However, I can't remember where I read about it! Was it in your book? (I have the 2nd ed.)
Submitted Link #1: http://www.amazon.com/Flicker-Flame-Imitates-Flick...
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Amazon has something like that (see link below)but you can also find other suppliers via Google/
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| 8650. |
Mike
Phoenix, AZ
Age: 38
Dec 15, 2011
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phone privacy
Is there a way to know if your land line or cell phone conversation is being recorded?
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Sorry, but no.
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| 8649. |
Dorothy
Topeka, KS
Age: 46
Dec 13, 2011
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reader forum
Hi Jack,
I posted a test post on the forum to see if there was a problem, and that post is showing properly. Maximina [from London]is past the number of minimum posts to be allowed to post without being moderated, so I cannot see a reason why she can't post from my end of things.
Thanks,
Dorothy
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| 8648. |
Paul
Roseville, CA
Age: 33
Dec 13, 2011
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Starting business
I'd like to start a business and need to know if it's better to start the LLC first and then register for the business license, Fictitious Business name, and Tax ID under the LLC or register the Business first through the state/county and then transfer to the LLC? I will be starting up 2 businesses and will probably want an additional LLC to hold my cars and business assets. If it helps, one business will be internet based and no income coming from the US and the other is a fitness consulting business. Thanks for any info...
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Please check with Rosie and/or your CPA
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| 8647. |
maxi
london, london
Age: 35
Dec 13, 2011
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READER FORUM
:
WHAT IS GOING ON?
Sent: Tue Dec 13, 2011 11:04 am
From: maximina
To: Dorothy
I CAN'T POST. NOBODY IS POSTING!
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I do not know why you can't post. HOWEVER, due to few posts lately, but tons of spam, I am having the forum shut down at the end of this month.
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| 8646. |
Karen
Baytown, Texas
Age: 47
Dec 13, 2011
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Frozen Credit Reports
In an attempt to deter possible identity theft or credit card fraud and maintain privacy, I have frozen my credit reports from the 3 major bureaus. Allegedly, I am unable to apply for any "new" credit unless I unlock my files and only my current creditors have access to my records. I am wondering if I have missed another credit information source that is used by banks. If I apply online to open a bank account, I must go through a lengthy online form which will ask me to verify information that I know comes from my credit report (i.e., I will be offered multiple choice questions such as "Which of these addresses is a former residence?" or "Which of these amounts matches your current auto loan?") which must be answered accurately in order to process the form. I am just wondering how the banks still seem to have access to that credit report information if my reports are supposed to be locked.
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Another possibility, of course, is to stop using credit cards and just pay cash for everything.
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| 8645. |
Dan
Moab, UT
Age: 46
Dec 12, 2011
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Kindle
When I got my kindle the guy helping me actually told me I could use my prepaid visa card and did not care what name or pen name I used. He just wanted to get a sale. The same with my cell phone. I got it at a large chain bookstore. I also saw one at the local pawned goods store, might also be an option for some!?
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Not sure I understand this. You need an account at Amazon.com in order to download books, no?
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| 8643. |
Dan
moab, UT
Age: 46
Dec 12, 2011
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Books #2
Are library records easily acessable to PIs? Could one walk up to a librarian and get the persons library info?
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No.
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| 8642. |
Alan
Vero Beach, FL
Age: 50
Dec 11, 2011
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NM LLC and 1st time home purchase
Is there a third edition of HTBI?
If I finance either a home or a car in FLA, I cannot utilize a NM LLC, correct?
Once either are "Paid in Full", THEN I could utilize a NM LLC. In the meantime, I can play hide-and-go-seek with my mailing address/true address.
Is there an online support group where users share their experiences implementing HTBI principles?
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I currently have a forum but it will be shut down at the end of this month. (Check it out while you can!)
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| 8641. |
Dorothy
Topeka, KS
Age: 46
Dec 10, 2011
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Do you know your Carrier's IQ?
Please see the link - it is enlightening, frightening, and funny all at the same time.
Submitted Link #1: http://money.cnn.com/2011/12/01/technology/carrier...
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| 8640. |
Dan
Moab, UT
Age: 46
Dec 9, 2011
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books
Do you have any reccomendations for privacy when becoming a patron at a library?
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You will almost always have to give your true name. Sometimes you can hide your home address--it depends on the library.
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| 8639. |
Joseph
Milwaukee, Wisconsin
Age: 25
Dec 9, 2011
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THE LIFEBOAT STRATEGY
Was wondering if anyone had order The Lifeboat Strategy book yet and if they know what eBook format is it in such as .pdf, .epub, etc?
Thank you for your time.
Submitted Link #1: http://http://www.nestmann.com/catalog/lifeboat-st...
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.PDF
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| 8638. |
Michele
Chicago, IL
Age: 42
Dec 6, 2011
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RE: Question 8624 - Pastor's privacy
Re: Question 8624 - pastor's privacy
This is in response to Joyce's question about privacy for herself and her husband, a pastor.
I have multiple friends who are pastors/ministers, and I am appalled at the lack of privacy that seems to be taken as par for the course if one pastors a congregation. Some of them belong to denominations which have clergy directories on the denominational websites, that list home address and home phone number. None have PO boxes. All the ministers/pastors I know also have a listed phone number!
From what I've seen, here are some simple suggestions I've made to clergy friends:
*Do NOT live in the parsonage/rectory if at all possible. Live at least 15-20 minutes away from the church, so you have privacy for yourself and your family from people coming over unannounced. Older pastor friends have told stories of their wives being walked in upon by a member of the congregation who thought the parsonage was open to all!
*Have a PO Box. Don't divulge home address if at all possible.
*If you list a phone number for pastoral emergencies/calls outside of office hours, make it a cell phone number. If the pastor's wife needs to be contactable as well, make the number she lists a cell number, not a home number. If you have a home phone, make sure the number is unlisted. Or perhaps just go with cell phones, instead, as a good number of people do nowadays.
*Don't entertain members of the congregation in your home. Either meet with them at the church, a coffee shop, or restaurant. Some churches have made their fellowship areas inviting and cozy, so that might be something to think about doing, if possible. Also, by not having congregation members in the pastor's home, even the appearance of possible impropriety is avoided.
*Encourage good privacy management methods within the congregation itself. Membership directories, even if without pictures, do not need to be laying about. Don't list needless information on published prayer lists. Be careful with the personal information (addresses, phone numbers, email addresses, DOB, etc., donation records) of congregation members.
If office staff is needed, it's something to consider a NON-member for the position. That way, the person wouldn't be tempted with private info of fellow members.
These are simple enough changes that aren't too difficult to enact, although some might be more difficult if one has been pastoring a congregation for some time.
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I've posted the above without editing, but with this strong declaimer:
I disagree with about half of it, especially "Don't entertain members of the congregation in your home." There are things more important in this world than keeping one's private life private.
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| 8636. |
Sam
Macomb, Michigan
Age: 40
Dec 6, 2011
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Kindle Registration requirement
Is anyone else appalled at the Registration requirement for using an Amazon Kindle?
I can't see JJ Luna using a Kindle because of this. Am I mistaken?
Is there a "privacy minded alternative" to the Kindle that has e-ink?
I'd love to hear some feedback on this issue.
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FYI, I have both a Kindle and a Nook Color, although not under my own name. The trick is to get a credit card in an alternate name, or in the name of trust.
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