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Good Tuesday morning!  Here's your weekly
Dose of Dover
The only reliable source for un-common sense advice,
insights and cover-your-hiney strategies you simply can't find anywhere else.
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Tuesday, March 25, 2003:
 
Didja miss the best 2-hours in talkradio Sunday morning?  So did I! Thanks to the wall-to-wall coverage of the "Whaq on Iraq" by KFI's "A Team" [led by Bill Handle and John & Ken] everyone got bumped from their usual weekend timeslots.  Barring some new developments from the world of "shock and awe," weekend programming should return to normal the weekend of March 29-30.  But thanks to Al Gore's invention (of the Internet), now you can listen to what you might have missed in the last few weeks! Click here to access Ben's on-line radio show archive.
 

 
Only three weeks to go until our big date with the IRS...beware of the tax scams heading your way!  Here's another example of one of Dover's Rules: If the bad guys spent as much time creating wealth as they do creating illegal schemes and scams, we wouldn't be calling them bad guys.  You've gotta read about the latest-and-greatest attempts to make your life miserable, this time under IRS cover.
 

 
If you're the typical American, you'll want to read this to find out how to get an 18% (or better) return on your money: It's not brain-surgery, just un-common sense...and a familiar theme this time of year.  So what are you planning to do with your IRS refund?  Pay off those outstanding credit card balances and you're "earning" whatever interest rate you're burning every month on the balances you've been carrying with our pals at Visa, MasterCard or Discover.  Here's a starched-up spin on the same story from "experts" you might wanna take a moment to read...especially since it confirms my point.
 

 
Should you spend the extra dough to buy an extended warranty for your car?  Aside from recognizing the fact that the salesman (or finance-guy) trying to sell this to you is making a hefty commission on the sale, you've got to be informed and have a clear understanding of how good (or how unreliable) that new car you're about to buy really is, before you take the plunge and buy.  Read all about extended warranties right here!
 

 
Ouch!  Home foreclosures set records nationally in the last quarter of 2002: Check out this breaking story from the soon-to-be-outta-your-home front.  It doesn't have to end up this way, since there are effective alternatives to ending up in foreclosure.  Here's a new resource that'll help you (or someone you know who's having financial difficulties) avoid the heartache of being kicked out of your/their home... 
 

 
Foreclosed properties--one person's pain is another person's profit: And with interest rates so low, you're nuts if you don't cash in while you can!  Think about investing in something that won't turn into worthless origami, like the stocks in your investment portfolios.  Think about investing in real estate.  Rental properties can give your investment portfolio the growth and stability you've been searching for.  And since now's the time to get the edge in the home buying/re-financing world; get your free copy of Ben's 2003 Home Buyer's Guide right here!
 

 
Flying any long distances anytime soon?  Here's how to avoid being one of 60,000 that unexpectedly die as a result...of flying long distances, driving/riding long distances, or being confined to a bed for an extended period of time.  Read all about it right here...
 

 
Last week I gave you a website that's supposed to keep you "up" on the very latest disaster news: It's a free service from the Emergency E-Mail and Wireless Network that I thought you might wanna sign up for.  I did...but then a few days later I un-subscribed.  Why?  Because I think they've got to be the most abusive, "cry wolf" service I've ever been abused by in my 10 + years of carrying an alpha-numeric pager.  Their penchant for sending messages out everytime someone passes gas was simply too much.  Their county (or region) specific news flashes were anything but news.  Think twice about opening yourself up to this type of "news flash abuse."
 

 
It's one of the most popular Internet websites out there, but there's some increasing concerns about the safety of buying stuff on e-Bay: More and more shoppers question the online seller's anti-fraud software as an Arizona couple allegedly bilked more than $100,000 from 500 bidders.  Before you buy more stuff you'll never use, you'd better read about this unsettling trend from the cyber-auction world.....
 

 
Do you know how to raise hell effectively?  I do!  This is one of the most popular sections of the website...because it works!  Check out the Six Steps To Effective Complaining...(and don't come whinin' to me!)
 

 
Are you broke and have nothing left to give anyone for their special day or a special event coming up?  Then it's time to be resourceful and share the wealth!  Give 'em a subscription to the Dose of Dover.  C'mon...it's still the most reliable source of insight and ideas available...and besides, it's free! Sign 'em up for their weekly Dose of Dover newsletter right here on our award-winning website!
 

 
Those "loyalty cards" from places like Texas' Tom Thumb or Southern California-based Ralph's might seem innocent enough, but what sort of information are you "giving up" about your personal buying habits?  Here's an article from yesterday's The Los Angeles Times...but it's a story that Ben's covered many times over the years.  Check out his notes from the NBC daytime show "The Other Half" on the topic, or a column that'll (hopefully) open your eyes before you open your wallet...
 

 
With April Fool's Day just around the corner, the timing's right for a shot of reality...from hot chicks to ridiculous real estate deals to the newest way to dupe perfect strangers: Here's this week's edition of Ask Benjamin Dover (now pass the vodka, will ya?):
 
She's Hot. She's Broke! She's Russian.
(And You're Toast If You Bite On Her E-Mailed "Offer")
Plus: How To Buy Real Estate For Next To Nothing &
Get A Quick $314,000+ Into Your Account The Easy Way
 
March 27, 2003
 
Dear Ben: I was recently contacted by a girl in Russia purporting to be interested in me. We corresponded back and forth, finally announcing that she'd like to come see me. She made it clear that she had very little money-a visa and passport would cost $350. But when I told her I'd come to Russia to see her, the correspondence suddenly stopped. I can imagine what would have happened if I'd sent her the $350...the next thing would have been thousands of dollars for a ticket.
- John, via e-mail


Dear John (now that seems like an appropriate opening-salutation for this topic): You're sounding awfully cynical about finding love in Russia. Perhaps others looking for love will learn from your experience-which seems to be the norm. You're right: If you actually did send some cash to Russia, the minute you tried to plan a trip over there to meet her, she'd hit you with a "Dear Dimitri" e-mail so fast your head would spin. By the way: This is among the hottest e-mail scams out there, running neck-and-neck with my all-time favorite, which opens with the infamous: "First, I must solicit your trust and strictest confidence in this transaction. This is by nature of the top-secret information I am about to divulge to you..." come-on line. These instant wealth-without-risk offers (usually) from Nigeria continue to scam millions of dollars out of naive Americans every year. You've got to ask yourself that age-old question: If it sounds too good to be true...you know the answer.

Dear Ben: I came across a website selling land on the moon. Is it fraud? Please let me know.
- Robert E., via e-mail

Dear Robert: You're kidding, right? I mean, you're not really serious about asking if it's legit, are you? I went to the website you referenced in your e-mail (but intentionally omitted here) and saw the sales pitch: "You really can own a piece of the Moon! If this sounds like a joke to you, please read on: The sale of lunar property has been ongoing for 22 years by (company name omitted) which is THE ONLY COMPANY in the world to possess a legal basis and copyright for the sale of lunar, and other extraterrestrial property within the confines of our solar system. The U.N. Outer Space Treaty of 1967 stipulated that no government could own extraterrestrial property. However, it neglected to mention individuals and corporations. Therefore, under laws dating back from early U.S. settlers, it was possible to stake a claim for land, and register it with the U.S. Government Office of claim registries." Oh...well that's different.

The Internet's proven to be a wonderful arena for exchanging ideas and advancing agendas...but it's also a magnet that consistently attracts scam-artists. Think about it, Robert! How can you sell an acre of land for only $29.95...their selling price for lunar lots, pray tell? Besides, there's no water, no sewers or electricity...no streets-nothing! If I were you, I'd stick with buying raw land in West Texas.

Dose of Dover For The Week: One of the more creative (and harmless) con games out there right now-and just in time for April Fool's Day next Tuesday-are those gosh-darn pranksters selling fake ATM receipts. These receipts, reflecting a huge bank balance, are the perfect "bait," as described on their website:

"Pick up women or men quickly at bars, dances, social events. After you write your number on this receipt (conveniently folded in your wallet), hand it to the member of the opposite sex and watch how fast they call you! When she sees the size of your bank balance, she'll be digging for gold in no time! It even has the typical black bars on back of the receipt for added authenticity! Other "ATM-ITATIONS" uses: Perfect for "over-the-hill" bachelors! High school/college students use to impress people! Leave on the coffee table and impress your friends! Write a message/phone number when negotiating with mortgage companies, matre'd at a fancy restaurant, Porsche dealerships! Read it again and again, improve your self-esteem, sex life!"

Incidentally, the big "bank balance" showing on this fake ATM receipt? A hefty $314,159.26...which (not coincidentally) happens to be the same digits used in the mathematical term "pi!" Oh what a wicked web we weave...
 

 
It's one of the most common surgical procedures performed every day across the nation but according to one Los Angeles-area doctor, as many as 85% of them are unnecessary.  (After you hear these candid revelations from a health care insider, you'll understand why surgeons wear masks!)  The Benjamin Dover Show, Sunday, March 30, 2003 edition:  5-7am (Hawaiian Time)  7-9 am (Pacific Time) 8-10 am (Mountain)  9-11 am (Central)  10 am-12 noon (Eastern)  3-5 pm (GMT)  8-10 pm (Baghdad [is is a parking lot, yet?] time) on KFI-AM/640, Los Angeles!

 
 
 

 

 

 
 

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