Privacy Invasion, Credit Bureaus and how to prevent a Privacy Crisis

Worried about public and private agencies learning about you and your families’ most intimate personal financial privacy details? You’re not alone. In fact, most people seem to accept the fact that certain “institutions” have your business and personal money and property details in their data bases.

Readers may be interested in how to live privately.

As this article’s subject concerns financial privacy, James Clark King, LLC, publisher has free financial resources which may be of interest to those who wish to preserve and protect their financial privacy.

The credit bureaus have long been established as the “know-it-all” agencies-private agencies that know all there is to know about you and your finances. In fact, one privacy expert, Jack Dunning who was recently interviewed by Privacy Crisis and Privacy Crisis Banking author and privacy expert, Grant Hall, believes the credit bureaus are here to stay and it is difficult to thwart their monopoly and manipulation of the average person’s financial life. I’m paraphrasing Mr. Dunning’s responses to Mr. Hall’s questions throughout the interview and this interpretation is mine as well as my own opinion of his responses. It seems this is a consensus view among privacy experts-that our privacy is evaporating and that there is nothing we can do about it. Grant Hall interviewed PT Shamrock who stresses that privacy is indeed deteriorating and provides insightful information for the perpetual traveler during the interview.

Both Mr. Dunning and PT Shamrock are quite experienced in the privacy arena. And their views are noted and taken seriously by this author.

I wondered what Mr. Grant Hall thinks about our privacy being invaded and whether he echo’s the consensus of the above experts on the subject. Mr. Hall has done radio interviews on the subject of personal and business privacy. In addition, he has written a number of articles on financial privacy. So I contacted him for a mini-interview for this article for the benefit of our readers. Here is the bulk of that interview:

Sue Holtzen: Grant, I am glad you agreed to field my questions. Thanks for your help and clarification on the privacy invasion we as American’s and others in the world face concerning privacy. Tell me, Grant, what is your view on our current state of privacy?

Grant Hall: Hello, Sue. It’s my pleasure to speak with you again. Thanks for thinking of me. In regard to your question concerning our state of privacy, I believe we have to break privacy down, both geographically as well as the kind of privacy we discuss in order to provide a picture of the state of privacy at the current time.

Sue Holtzen: I see. How about the credit bureaus? The three major credit bureaus seem to dictate to the American public as far as their credit or borrowing worthiness is concerned. This seems like a monopoly with Big Brother dictating to the public as well as those who the public wants to do business with. A historical log of the public’s financial history-not always accurate reporting I might add is a permanent record of credit bureaus.

Grant Hall: The credit bureaus do, in my view have a reporting monopoly on the history of Americans’ financial history. And it is not always accurate as you point out, Sue. In my interview with Mr. Dunning, the credit bureaus were discussed and he does, I believe agree with me on that point-that the credit bureaus are dictating to the public and the major ones, the big three are difficult to challenge. In fact, it is my experience they infrequently answer their phones and require endless documentation in order to contest a simple error-perhaps an incorrect date of a payment to a credit bureau subscriber by a clerical person. Something such as this, a simple error can drastically lower a credit score and wreck a person’s creditability.

Sue Hotzen: Do you have any ideas on how to handle these privacy invasions imposed upon us by the credit bureaus?

Grant Hall: Yes. I do not subscribe to the popular view that we have lost our privacy to the credit bureaus. I’m speaking about U.S. privacy now and specifically about the big three credit bureaus. I want to narrow our discussion to these points, please.

Sue Holtzen: Okay, Grant.

Grant Hall: It’s possible to live very well without the credit bureaus’ interfering with your life. And I believe in borrowing and credit as a matter of fact. But I do not believe in bad borrowing. Nor do I believe in being slaves to credit bureaus and their institutional friends.

Sue Holtzen: Please explain.

Grant Hall: Okay. Good borrowing is generally limited to business borrowing following a thorough analysis and a study of the asset to be purchased with borrowed money. I’m in the minority with this line of thinking. I follow these principles. I borrowed money to buy our last home. The credit bureaus were never aware of this debt. That method is fully explained in my financial privacy e-Book, Privacy Crisis Banking.

Sue Holtzen: I read Privacy Crisis Banking, Grant. Essentially, you used money with very low rates or just fees for the transaction, I believe, and the debt was actually shifted to another entity. Is that correct?

Grant Hall: Yes. During that transaction, the cost of money was very low. And I borrowed against an asset and the money was paid back with a credit line. And there were no restrictions on what could be purchased with the money. It’s important to always stay above board in these more complicated and non-traditional loans and transactions. I stress that point. As outlined in the book, Privacy Crisis Banking, large transactions or loans can be achieved while the credit bureaus are unaware of the reason for the purchase. In other words, privacy is achieved. In this case, home privacy, perhaps the most important part of one’s total privacy plan was kept a secret. That is quite different than going to the mortgage company, getting “approved” for X amount of money and buying a house over a thirty year period-a bad idea in my opinion, unless one is truly at the beginning of an uptrend in houses in the area one is buying into and then leverage can be utilized very advantageously. However, in my view, giving the credit bureaus, the lending company and anyone who has access to the credit bureaus’ reports a roadmap to your front door is always a bad idea. That’s why I stress non-traditional borrowing for personal and business privacy.

Sue Holtzen: Thank you, Grant. We’ll continue another time.

Grant Hall: Thank you, Sue.

Sue Holtzen

Jeff Finkelstein Founder of Customer Paradigm Interview

The company, Customer Paradigm has a website located at www.customerparadigm.com and according to their information focuses on acquiring new customers, keeping customers, and interacting with customers. Jeff Finkelstein, Customer Paradigm agreed to this interview with Grant Hall.
Grant Hall: Hello. Thank you for communicating with me by e-mail. I am interested in learning more about your company. Please tell me about your business and your role in it.

Jeff Finkelstein:

Thanks, Grant!  I founded Customer Paradigm in 2002, and since then, we’ve completed more than 11,300 projects in the website development, marketing and privacy space.  I have a particular focus on Web privacy, and worked at a $47 million venture funded company focused on privacy, prior to forming Customer Paradigm.
We focus quite a bit on eCommerce, and keeping information secure and private.
Grant Hall: We sell privacy books and services at www.PrivacyCrisis.com and I requested this interview because our website visitors, customers, and clients often inquire about privacy issues related to their businesses as well as marketing services available, particularly related to internet sales, marketing, and search engine optimization services. Would you comment on your company’s services available to businesses and website companies? How can individuals and businesses preserve privacy in the face of hackers and identity thieves?

Jeff Finkelstein:

Sure.  Data is valuable.  It’s valuable for a company – it allows an organization to reach back out and hopefully get a past customer to buy from them again.  With a lot of data, you can create a more personalized approach, and really make marketing to the end user even more compelling.
I’ve created marketing campaigns for organizations that connect a real person to other real people, and is compelling and engaging.  And when that real person who received a personalized email message shows up at an event or conference, they truly feel they have a pre-existing relationship with the person sending them a message.
We did all of the early email marketing for the Howard Dean for America campaign, way back in 2003.  Although he didn’t win, we showed their team how to use email in a compelling, personalized way.  They set records for raising money online, and it was fun to help teach their candidate how to better engage with voters.
Fast forward 14 years to the present.  We work on a lot of eCommerce sites that collect payment information, address information and other data from end users.  We also work with companies with more basic, informational websites as well.  But those sites often have payment pages, or contact forms.
A hacker looking to steal data is usually motivated to get credit card information.  They either want to use that credit card information to make purchases on other sites (perhaps to convert it into more untraceable funds).  Or, they’ll try to sell it.
If the site is an eCommerce site, the attackers will often attack the specific files that capture the credit card information during the purchasing process, and then send these details to a remote server.  In some cases, we’ve seen hackers binary encode information like credit card numbers into what looks and acts like a normal jpg graphic; they retrieve the credit card details by simply downloading the file.
Fortunately, there’s ways to keep an eye out for attacks such as this.  Businesses should do automated scans of their sites, and keep up-to-date on security patches.

 

Grant Hall: Is there a conflict between good marketing and privacy protection? For instance, a consultant or manager of an e-commerce website will want to be available to communicate with prospective customers while at the same time he/she may have strong reservations concerning the security of the website and providing personal information to those who seek goods and services, but only have an internet presence.
Jeff Finkelstein:
I think that the trend that we see is that companies that focus on security and privacy are doing quite well in the marketplace.  Yes, a marketer is always going to want to reach back out to talk to past customers and entice them to buy again.
We’ve found that companies that treat end users with respect and use good judgement are successful.
If you are selling products or services online, you do need a way to deliver a physical or virtual product to the end user.  If the product is good, most end users don’t mind a thoughtful contact from the company to help them learn more.

Grant Hall: Your business provides search engine optimization services according to your website, www.customerparadigm.com. Is SEO an ongoing service that requires continuous involvement by the SEO expert in order to keep organic traffic flowing to the business website? How can a business manager budget for these costs while marketing a few products? Why are more companies providing SEO services and other internet marketing services not amenable to providing services in exchange for a percentage of sales? This lack of interest in working on a “commission” appears to be incongruent to other industries and personnel such as the insurance business, real estate agents,  stock brokerage and portfolio management financial service industries, and other business sectors and industry groups that require the industry professional to prove his/her abilities by producing sales prior to being paid?
Jeff Finkelstein:
Yes, this is a great question.  SEO for a site is kind of like working out.  In order to stay healthy and fit, you need to work out a few times (or more) each week.  You can’t just do one massive workout on January 1st and then you’re good to go for the year.
Sites that rank well are ones that have content that is actively added and curated.  Otherwise, the site becomes more of a static time capsule.  I don’t think that you need to adjust title tags each day or week, but working on your site is always an ongoing process.
Second, most people don’t want to do SEO on a percentage of sales perspective, because there are a lot of factors beyond their control.  Things like price, reputation, other companies and how competitive the space might be.
If you are trying to do SEO in a highly competitive space, you’re going to have to spend tremendous energy to make a small dent in your rankings.  There are some industries where people will spend $100,000+ per month in SEO to rank well.  Spending 5 hours a month is just not going to make a difference.
Most reputable firms will not work on a percentage of sales for SEO.

Grant Hall: On the surface, it would appear many website owners/managers would be open to sharing sales in exchange for services, thus creating a win-win business plan for both sides. This appears to be especially attractive to website companies who have developed a product but lack website development and SEO skills as well as other marketing skills. How do you feel about a service plan with a commission structure in place as payment for SEO and marketing services for selling internet products and services?

Jeff Finkelstein:
With rare exceptions, I always pass on these types of projects.  It usually means that the business owner is strapped for cash, and that all of the risk is on the web development firm or SEO company to produce results.
Again, there’s a lot of factors outside our control.  Perhaps their product sucks.  Perhaps the pricing is way, way to expensive.  Perhaps their delivery times, customer service or documentation is lacking.
To me, a structure like this means that we as an SEO company do all of the work, and then if it’s successful we’ll get 10% as a commission.  If I believe that much in a product, I’d rather buy it wholesale and do all of that myself.

Grant Hall: I am aware of certain website owners and managers who have hired website marketing businesses that charged substantial fees for taking on a customer as well as large maintenance fees for a period of time-sometimes a contract is required for a period of time. Furthermore, I am aware that sales did not increase to justify these marketing expenses. If one is considering a company for internet marketing services, do you believe that company under consideration should be a proven website marketing winner that manages their own in house websites that produce sales and make these websites profitable? What other criteria should a manager use to evaluate a marketing firm’s potential and credibility prior to hiring the company?
Jeff Finkelstein:
Any website – short of a static HTML vintage 1994 site – should be a living, breathing entity.  One that has content, products and information added to it each week.  Security patches come out all the time, and need to be implemented.  Those patches or software upgrades can break existing features, so someone needs to help out.  Or, you might need someone to add more complex content or change the design of the site.  That’s more of a function of running a business that has an active website.  Those are often what maintenance fees can cover.
For our clients, we always offer ongoing support and maintenance, but it’s not required.  We don’t lock people into a long term contract.
As far as criteria a manager should use to evaluate a marketing firm’s potential, I’d look at what they’ve done in the past, and what kind of strategic and tactical plan they can offer to help you solve your business needs.
Many of the people on our team have run Websites in the past, and seen solid success with it.
If you’re looking at a company to help out with SEO, you can ask them what types of keyword terms their site ranks for.  That said, trying to rank broadly for SEO is a highly competitive game.  Instead, ask what tools they use, and how they evaluate success.
And avoid anyone with an SEO performance guarantee.  I can guarantee that you’ll rank #1 for some obscure keyword that nobody ever searches on.  It’s a lot more difficult to rank highly for a keyword that is highly competitive.

Grant Hall: Can you comment on affiliate marketing and do you assist companies with attracting and recruiting affiliates at your company?
Jeff Finkelstein:
We will often help people integrate affiliate marketing tracking systems into their site, and suggest that this can be a great way to drive additional traffic to a site.  If done really well (and you have big margins you can entice affliates with), this can be a great channel.  That said, this is not something that we usually manage for our clients, as it does require a very active role and day-to-day management.
Grant Hall: Please tell us anything thing else you would like for us to know about your business and feel free to expand into any areas we have not covered thus far. And point our readers to any links on your website that you believe would be helpful and educational for business people interested in your services.
Jeff Finkelstein:
Most of what we focus on these days are helping eCommerce sites that use the Magento platform stay secure, as well as implement new designs, features and functionality.  More information can be found on our site here: http://www.CustomerParadigm.com.
Grant Hall: Thank you for the interview. We will post it on our site at www.PrivacyCrisis.com or www.PrivacyCrisis.com/blog and you are welcome to post in on your website as well.

How to be Invisible on Paper for Safety and Privacy

Are you suffering from a privacy crisis? Today, unless you take personal privacy precautions, you and your family as well as your personal and business property could be in danger. How can you guard against such disasters as becoming a stalking victim, prevent identity theft, both business and personal, and live privately while participating in the “normal” activities of work and socialization?

It is possible to become “invisible” on Paper by creating a self totally separate from the real you. And your life does not have to be disrupted in the process. Your new privacy living priorities will, however, separate you from the crowd, and you will, of course be more selective in the people you associate with as well as careful about who knows details of your intimate, private life.

A worthwhile objective if you’re convinced you need to take your privacy to the next level is to establish a new identity, create an alter ego-an identity to be used only for the sake of privacy and safety, and to be used for non-official purposes.

Once, you become someone else-on paper, stalkers will have no clue to your whereabouts, and your days of being a stalking victim will cease. You will no longer have to endure the harm “he” caused.

What about money and financial privacy? Worried about all the privacy invasive measures banks, brokers, currency dealers, and others ask for when you want to invest or buy expensive items? It is possible to do all of this and do it according to the policies of these institutions while not skirting laws or putting yourself at risk. It’s just that you’ll need to teach yourself how to bank anonymously-as anonymous as is necessary to keep unwanted identity thieves and others-perhaps an ex-spouse from draining your accounts or running up your credit card bills.

Learn to bank and hold property privately by reading Grant Hall’s financial privacy e-book, Privacy Crisis Banking.

While your banking and brokerage accounts will be under your control, the accounts will be titled under entity names. And these entities can be registered anonymously when registration is a requirement. Home privacy can be established when you buy a home by titling the property in a trust or an investment property in a Limited Liability Company. These privacy crisis principles will enable you to establish your financial privacy while keeping everything on the up and up.

Grant Hall wrote Privacy Crisis and this e-book contains an entire section on financial privacy. Chapter topics in the book, Privacy Crisis include Anonymous Banking, Private Bill Payments, Private Investments, Real Estate and Hard Assets, Credit Bureaus, and Retirement Accounts.

Establishing financial privacy as described above empowers one to control all financial matters without revealing his/her identity on these assets to the outside world. Thus, one’s financial life becomes invisible to the outside world.

James Clark King, LLC

 

Do bankers understand money?

Inflation. CPI. Nonsensical terms to be sure. But ask any managerial level banker and they probably subscribe to those terms-meaningless, oxymoron-like, bordering on the absurd and in the vocabularies of all who make your mortgage and loan decisions.

Devaluation not inflation is the correct way to describe the erosion of purchasing power. However, in order to understand this correction in verbiage, it is necessary to first learn the basics, the fundamentals of any monetary system or medium of exchange without biases. An article which may be useful to understand the loss of purchasing power is located at:

http://www.privacycrisis.com/article_financial_privacy.htmlt:

Imagine people in a land with diverse products and services to sell. Mabel has a pie baking business and her husband Cleve has hogs and milk in excess supply. Art is a skilled mechanic and his brother Billy builds houses while their sister Ruth and her husband practice medicine and provide nursing services. Sue, their neighbor teaches school. Bret writes computer programs and provides search optimization services. May makes winter coats. Gabriel cuts hair. Charlie has used cars for sale. And three hundred other community members possess skills and services and have products for sale.

There is no accepted method of exchange in this fictional community.

Grant Hall wrote Privacy Crisis Banking and this book explains money and banking as well as business and investment privacy. The book is available as an e-book for immediate download at:

http://www.privacycrisis.com/orders_index.html

It becomes cumbersome for Cleve to hall hogs and milk to May’s store to trade like values for like values. Charlie wants Mabel’s pies for desert, but doesn’t want eleven hundred of them at once-the number that is valued to equal one of his used automobiles. And others face the same dilemma. How to “buy” goods and services? What to do?

A community meeting is held to establish a suitable and convenient means of exchange, a monetary system that can serve the consumers and survive without being devalued over time. This community is aware of what happened to previous currencies-those money systems that began at 100 and were devalued to 2 or 3 due to the instant gratification needs of the cons who initiated them in the first place without consent of those who eventually lost everything because of the Ponzi scheme. This responsible community is determined to establish a money system that works-without devaluation or “inflation,” that scam word that money creators conned everyone into believing was a normal phenomenon when in fact it is nonsense, a lie used to control and make a population poor within a hundred years or less, or much less depending on how much abuse is exercised by the controllers.

Property is held by the community in the form of farmland  and producing oil wells. The city hall and the surrounding buildings are also owned by “the state.” In addition, money is owned by the community which has been collected for revenues on these properties.  And there is an income stream from other diversified properties.

First, the value of all properties is determined as well as the bottom line figures  for all businesses. The final value is established based on the current value of spot Gold. Next, this figure is converted to the value of Gold in troy ounces. It is determined that this state owns property and current profits from their business that is the equivalent to 99,000 ounces of Gold at today’s price. With this value in mind, this community establishes a money system and a bank. The properties and business revenues remain owned by the community while the bank has the power to distribute receipts in paper or digital form up to the value of all their assets. Receipt issuing power is only increased when new business profits are generated and only up to that value per the value of the new profits. And this becomes the money policy of the people who own the money.

Stockholders or community members are entitled to their share of ownership of the property and may receive this ownership in the form of the receipts. Or their account is credited to equal their share and this account may be drawn from to buy goods and services.

A means of exchange has been established and commerce begins without the inconvenience associated with bartering hogs for coats and the like.

Devaluation of the community bank will only occur when the collateral behind the money receipts fluctuate in value such as a decrease in the price of oil and land and buildings and other property held by the community.

Market values only contribute to any debasement of the newly established currency.

J. Baily

Can you have money privacy today?

Concerned about your financial privacy?

Unfortunately, one has to utilize non-traditional methods to keep money and banking private today.

Within the last few years, the last institutions where banking secrecy was guaranteed by law, the Swiss Banks have succumbed to pressures and relinquished money and banking privacy. In fact, a United States citizen will find it nearly impossible to open a foreign bank account today.  And telephone and e-mail communication with offshore entities is often monitored by “you know who.”

How can one keep his/her business private in today’s world?

Privacy Crisis, an e-book by Grant Hall provides privacy seekers with high level privacy for today’s challenging times.

Ensure Phone and Computer Privacy and prevent government phone taps and e-mail monitoring. Chapters 15, 17, 18.

Privacy Crisis Banking, Hall’s second book contains money privacy secrets used to make assets and funds invisible.

Do you want to eliminate bank account and property seizures?

Utilize an “invisible home mortgage” and bypass credit bureau reporting agencies. See chapter 9.

Kate Holworth

 

Bothered by a Stalker?

Unfortunately, stalkers contribute to unwanted fear, anxiety, pain-both psychological and physical as well as the disruption of many lives.

This post is meant to provide the reader with the first step towards coping with the persistent stalker. First and foremost, one who is bothered by a dangerous stalker must remove himself/herself from the crosshairs of the stalker. This is best accomplished by following a serious privacy plan designed to dissuade the stalker from further stalking. Success in removing a stalker from one’s life depends on the level of privacy one seeks to gain as well as the motivation one has to achieve total privacy and freedom from the stalker(s).

Author and privacy expert, Grant Hall wrote articles on stalking solution available free of charge. One such article suggests it is possible to be free from a stalker in twelve hours. This article can be accessed at this link:

http://www.privacycrisis.com/escape_a_stalker_twelve_hours.html

In addition to this article, Hall wrote an e-mail privacy course designed to provide information on how to cope with a troublesome stalker. Here is the link to this Free privacy course:

http://www.privacycrisis.com/stalking.html

It should be noted that the successful escape from a stalker is a comprehensive privacy effort encompassing all aspects of personal and business privacy.

For a full understanding of complete business and personal privacy, two e-books written by Hall are recommended and these are Privacy Crisis and Privacy Crisis Banking.

You may be interested in purchasing these books. Here is a link to buying the books:

http://www.privacycrisis.com/orders_index.html

Thanks.

Betty Brokshoken

Check Cashing Store Managers: Key to “Banking Secrecy”

I have not used this store for a year and a half to cash business checks. I am in town and want to keep the business relationship. The store “manager” assures me they can make all decisions necessary on a Sunday afternoon when I call prior to taking the trip across town. I wonder…and elect to take her word for it.

Fifty minutes later, I sign the checks after being promised by clerk number one that they look fine. Enter clerk number two, a large lady who notices I have not been in for a while. “It’s time to update your information, ” she says. I agree and assist in every way possible: telephone, address verification, business name, everything. She asks if I’m the owner of the Limited Liability Company. “I manage it.” She insists I write “DBA” on the back. I explain that’s for sole proprietorships. She doesn’t know the difference and calls on Clerk number three. Number three makes a call to the District Manager. I know him and address him by name. She isn’t impressed. She has to leave a message as he’s not in. Clerk number four enters and says I’ll have to bring in all the paper work-all over again. I explain I’ve been a customer since 2007. She advises she doesn’t want to argue. I leave my name, business name and phone number for the district manager. After leaving the store, I swear for half a minute.

On Monday, Bill, the district manager calls. I remind him that we’ve met. He looks at his message and advises the staff made a mistake and should have cashed my checks, and says to come in again at my convenience. Later in the day, I make a second trip and hand over the checks to a very polite young man who reviews the district manager’s notes and repeatedly says how sorry he is for the problems their staff caused me the day before.

The key to banking secrecy and personal and business privacy is to state your goals to the managers who have the ability and responsibilty to meet your needs as a responsible consumer. Try not to waste your time with clerical folks. Today, most clerks have no idea how to handle any extraordinary needs as far as privacy is concerned. I always deal with top level managers whenever possible and attempt to meet them in person. And make sure you do everything according to the laws in your jurisdiction.

Grant Hall

www.PrivacyCrisis.com

Bank without a SSN for personal privacy protection?

Are you concerned about your personal privacy? Worried about  business privacy protection? How about the confidentiality of your money and investments?

Can “they” track and trace your money, personal property and business or private practice? Who has the right to your banking records, property information without your authorization to share it?

Privacy Crisis Banking provides financial privacy information and banking secrecy principles, methods, and resources for personal and business privacy protection.

Read book reviews at:

http://www.dailykos.com/story/2011/11/16/1036356/-Beat-the-bankers-at-their-own-game-with-the-Ultimate-Bank-Secrecy-Account

http://www.amazon.com/Privacy-Crisis-Banking-Resource-Identity/product-reviews/0978657330/ref=dp_top_cm_cr_acr_txt?ie=UTF8&showViewpoints=1

You may be interested in our free banking secrecy e-mail courses and other privacy courses at: http://www.privacycrisis.com/infoseries_index.html

Worried about your personal bank account or business bank account being discovered by identity thieves, a dangerous stalker, or “you know who?”

How would you like to bank secretly? Who has the right to know your financial business and where you store your cash and investments? Why is it anyone’s business what real property you own? Isn’t privacy a constitutional right?

Privacy Crisis Banking: Bank Secrecy Plan & Resource Guide to Protect Identity, Money and Property by Grant Hall is available at Barnes & Noble bookstores or online and at Amazon and other bookstores and online stores.

Available as an e-book or hardbound from Publisher, James Clark King, LLC at:

http://www.privacycrisis.com/privacy-crisis-banking.html

Perhaps you would be interested in reading personal and business privacy articles written by Grant Hall and others at:

http://www.privacycrisis.com/articles.html

Another free educational privacy resource is archived radio shows with Grant Hall as the guest of talk show hosts. We have some of these shows at our website.

Listen free of charge at:

http://www.privacycrisis.com/radio.html

Thanks.

Grant Hall, Author

James Clark King, LLC, Publisher

www.PrivacyCrisis.com

www.PrivacyCrisis.com/blog

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Grant Hall on Protecting Financial Privacy and Preventing Identity Theft

Keeping finances and property ownership a secret will protect identity and prevent identity theft and help you avoid privacy invasions.

Financial Privacy is a core privacy principle for all privacy advocates and will prevent bank identity theft and make you and your family and your property invisible.

Exercising your right to financial privacy is imperative as you attempt to protect your privacy from a number of predators who may wish to harm or steal from you and your family. Potential kidanppers will not be able to identify you as a worthwhile target when your bank secrecy and home privacy measures are in place. Use home privacy and banking privacy as described in the Privacy Crisis series.

Identity Theft Prevention is a huge benefit derived from obtaining home privacy. Of particular interest to many today is how to prevent a thief from stealing your identity in order to receive medical treatment under your name or the name of a family member. Preventing medical identity theft is a priority today as this form of identity theft is the white collar crime of choice among many identity thieves. Keep insurance policy names, numbers, group names, and the identities of all covered members private until the services are rendered. Refuse to provide policy information over the telephone to medical providers and do not provide Social Security Numbers, home addresses, home land line telephone numbers to providers. Instead, substitute mail drops, voice mail numbers, and omit the SSN for personal privacy reasons. These types of identity theft prevention tactics are necessary as many identity thieves have worked for medical providers and some have taken these jobs to gain  access to patients’ records.

These articles on how to prevent identity theft may be of interest as you learn to live privately.

http://privacycrisis.com/private_patient_2.html

http://privacycrisis.com/article_prevent_id_theft_without_insurance.html

You may be interested in subscribing to our free e-mail series on identity theft prevention.

Privacy Crisis Banking provides financial privacy principles and banking privacy resources for the business manager or individual who wants to practice bank secrecy and keep money and investment affairs private.

Grant Hall

www.PrivacyCrisis.com/blog

Prevent Business Identity Theft with Financial Privacy, Website Privacy

Do you do business online? If so, how can you obtain financial privacy to prevent business identity theft or theft of your business by another criminal? Business identity protection is necessary to avoid identity theft of your company as such a thefft will almost always exceed a five figure dollar amount.

Perhaps you sell products or a service through a website and want to comply with all regulations and laws while still maintaining your business privacy. Is it possible to obtain an Employer Identification number privately? How does one register a URL privately in order to enhance business privacy?

This article will cover key points necessary for the privacy conscious manager to know  in order to do business privately on the internet.

Private Website Registration

We prefer using the Trust Manager Principle as defined in Grant Hall’s books. Essentially, the Trust formed to “manage” the company becomes the manager or contact entity while the Limited Liability Company or other entity owns the website and URL.

In order to maintain privacy of the business on a long term basis, we recommend dealing with companies that accept money orders as payment for services associated with URL registration and other associated costs. There are only a few hosting companies which will do business this way. Most will want a credit card on file to charge or a bank debit card to debit. Both of these payment options are bad ideas from a business privacy standpoint. If you are serious about your business privacy and desire to avoid business identity theft or prevent a business theft or seizure of any kind, it will behoove you as the business manager to do your due diligence and take the extra time and spend the extra money to ensure business privacy.

Obtaining a Tax Identification Number Privately

During 2011, regulations passed required all online vendors to suppy a tax identifier in order to sell products. As this law impacted privacy advocates, the business manager desiring privacy wants to be able to comply with the law and still keep their business privacy.

First, the manager may choose to form a trust, an entity that has no registration requirements. The trust will manage the business. Many prefer using a Nevada LLC.

The company selling the products is required to obtain a tax identifer, an Employer Identification number to be furnished to the online retailer that processes payments for products sold. Certain vendors may also require an EIN when you do bussiness with them.

How can the company obtain an EIN and still keep managment anonymous? An EIN for managment-the trust formed to “manage” the company can be obtained. This foundation tax identifier for an entity, the trust manager, a non-person provides the gateway to obtain the EIN for the business entity receiving payment for the products.

Please review the Administrative Trustee as described in Privacy Crisis.

Banking Privacy

Once the EIN is obtained for the company receiving payment for the products or services sold, a bank account number will be required to receive these online payments.

Certain online companies may allow you to receive paper checks as payment though the charges are steep for doing business this way, not to mention the extra travel and expense assoicated with using a check cashing store to clear your checks. However, this is still an option for those of you who do not want an online bank account or for whatever reason cannot get one.

Thus far, you as the manager have managed to obtain an EIN privately for your business. The online vendor has recorded this number and the data base will confirm that your company name matches the name and number on file with the tax collection agency. Once this confirmation is received, you’re set to begin doing business online with a high degree of business privacy, a layer so thick that not even the most sophisticated business identity thief can pierce if he happens to target your company. Remember, only the trust manager is on record with the agency that issued the EIN.

Now, your task is to complete your business identity theft prevention plan by obtaining the highest level of bank secrecy available today.

For banking secrecy, we prefer the Ultimate Bank Secrecy Account as described in Privacy Crisis Banking. An online bank account may be set up using substitute identifiers under certain conditions. Resources are cited in the book. Managers want to make certain their true name is furnished to the institution  that sets up the account as this will allow him/her to claim the money in the event a dispute ever arises. Do not defraud banks or other financial instituions-EVER. It is never necessary to break the law for the sake of banking or business privacy.

Thanks for reading.

Grant Hall, Author

James Clark King, LLC, Publisher