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Good Tuesday morning!
Here's your weekly,
always street-smart and
the single-most reliable source for un-common
sense advice and
cover-your-hiney strategies you
be able to find anywhere else.
your best shot...try to put me out of
Make everyone allot
this newsletter to everyone in
your Address Book!
a big shot!]
the wealth and share the word...
check out the incredible collection of eye-opening
Tuesday, August 5, 2003:
Sorry...but you're undesirable!
You've gotta love the latest hook from
the marketing brains at the nation's largest on-line dating services: Rejection.
Dating's hard enough...but now sites like eHarmony.com are
screening (and rejecting) applicants before they get the chance to be
rejected by a real live person. Another cyber-snob site, TheSquare.com requires
members to hold a degree from an elite college...and may force you to fax in
your transcript to prove it. Amazing...and even true. Get
out the Kleenex and the whiskey and read the complete story here.
Nowhere is it
written that you have to give them accurate information:
They'd like you to, but they'll never really know. So use a disposable
e-mail address (like Hotmail
or Yahoo) and get
creative when you register. But just remember: They/we are
giving you a tremendous service for a great
Getting married anytime soon? How
'bout divorced? Considering that 1 out of 2
marriages ends up in divorce court (and 60% of the second trips to the
altar), knowing how to plan a financially sound divorce just makes
sense. Check out some terrific resources that'll help you (or a
friend or a family member) avoid further brain-damage:
Interest rates are bumping up fast,
above 6% for the first time this year! Now's
the time to buy a home...or if you're thinking about getting
divorced, re-finance and take the other spouse outta the picture once
and for all!
Interest rates are still
lower than they were a year ago, so
read what the big shots are saying about the future of those (still)
incredibly-low interest rates.
And since we're on
the topic of good timing, what
are you waitin' for? Cash
in and lock in the lowest
rate in decades by re-financing your current mortgage and cut 10
to 15 years off your term! It's
easy to get educated about the process first...and the price is
Everything you need to know can be found on-line; get your own copy of Bens'
2003 Home Buyer's Guide by clicking here.
Now that you're motivated to buy a
house, or trade-up from your current home...how
would you like to get some cash back on your next home
purchase (or sale)?
show you how.) Click here.....
Okay, so you're about to move;
it's time to go down your "things to do" checklist:
Moved your phone service and utilities? [Check!]
Put in your change of address on your mail? [Check!!]
Have all of your belongings held hostage by some rogue movers? [Check...not!!!]
Do your homework (first) and
choose the right moving company! Ben's
Moving Tips will save you time, money and lots-o-heartache.....
If you're a homeowner, you might be
interested in the newest breed of brazen thief targeting
your home. Not burglars, but thieves
that actually steal your entire home!!!
Don't jump to the "it had to be a mobile home"
conclusion, either...because it was a real home on a real
foundation outside of Placerville, in the El Dorado County (CA)
foothills east of Sacratomato. They
stole the house and all its contents...read
the entire story here, and then go call your insurance agent to
raise your policy limits.....
Did you know that your bank could be
stalking you? I don't have to make this stuff
up...I've been telling you this has been going on for awhile.
Either you haven't been listening, or you didn't know I was out
here tryin' to protect you. The credit card companies are
checking up on you...daily. It's nice to see someone else
(other than me) is out there spreading the word...read
more right here.
Renting a car at the airport? Be
careful...because some of the biggest airport rental facilities don't even
kiss you when you return the car.
But they sure do
it to you on local taxes, and DFW airport (Useless, I mean, the DFW
Airport suburb of Euless) really piles on the fees. In fact, it
saddens me to report that 4 of the top 5 (actually it's 6 out
of the top 10) worst "let's put the screws to out of towners"
offending airports are in Texas.
Read the entire story here.
So if Texas airport municipalities are the
worst, which state's the best? This one's
easy...California, with the Top 8 out of 10 spots for lowest airport car
Speaking of Hotels.com...are you planning to
do any traveling outside of U.S. borders?
hosed just because "yer
Our buddies at Hotels.com
are expanding their consumer-friendly reach...and they've launched 14
websites for Europe, Canada and Australia...and they'll be adding SARS-friendly
Asia by year-end. [Read
all about it here.]
Time to get off your butt and start
making travel plans for the lonnnnnnnng Labor Day
weekend (now only 24 days away): Stretch
your travel budget and get your Thanksgiving or Christmas-time
travel planning handled now while you're at it. Check
out Ben's no-brainer choice for hotel room or condo
Still looking for a cool birthday (or
other special occasion) gift that'll keep on giving, all year
long? Then give 'em
a subscription to the Dose
of Dover...the most
reliable source of insights and no s*** ideas available on the planet.
(You can afford it...it's free!) Time to share the
for a subscription to the weekly Dose of Dover Newsletter right
Gotta have your Dover Radio
Fix? Here are two options:
Ben on the air live, Tuesday mornings (as in this
morning) on ABC Radio Network's Sirius [satellite] Channel 131
show with Mark Willis: It ain't perfect, and it's not
2 hours of Straight
Dover, but it's better than nuthin':
(888) 782-5966. (Limited
show hours/limited window of opportunity to begin with...but it'll be
expanding soon: 7:00a Pacific/8:00a Mountain/9:00a Central/10:00a
department: Wouldn't you love to sue your doctor for all of the time
you've wasted waiting for your turn? (Especially when
you're there on time.) The longer you wait, the madder you
get! The little guy strikes back:
not trying to pick on the doctors...they're already abused enough by the
insurance companies. But there are some docs with a severe case
of the "God Complex" who continually force patients to wait far
longer than is proper or necessary...so you'll love the story about
this Greek guy (just a guess) in Las Vegas: Aristotelis Belavilas got
ticked off over his 3-hour wait, he sued his Doc for
$5,000...and won! Read
the whole story here...
Let me attempt to defend the medical
profession: These folks really are over-worked and
under-paid...especially in these days of Mafioso-like HMOs and PPOs that
continue to tool the Doc around and make them take less dough for the same
[or more] work. The insurance companies should be
investigated for the way they treat both the health care providers and the
patients. But since our lawmakers seemed to be more interested in
campaign contributions than protecting our interests, don't hold your
So what can you do if you're dealing with a
Rude Doc? Here's what I did about 12 years ago:
I was seeing one of the best orthopedic surgeons in the country (hoping to
fix my motorcycle accident-abused shoulder) and, after he performed the
surgery, I returned to get the stitches out. I had a 1 p.m.
appointment and was there on time. Unfortunately, he wasn't...and
after waiting for almost 4 hours, I'd had it..and I walked out. A
friend of mine (a neurosurgeon) removed the stitches for me...and I never
saw that jackass again.
But I did get a bill from him: An invoice
for the +/- $600 balance which exceeded the "usual and
customary" charges allowed by my insurance company.
So I fired off a Certified Letter to this clown and told him, in essence: "It's
real simple Keith. I waited (in vain) to see you. I was there
on time...and you weren't. After 4 hours, I had enough and
left...because my time is just as valuable as yours. Since I bill at
$250 an hour and burned almost 4 hours waiting on you to fulfill your side
of the surgical-bargain--and you never showed up--I'll tell you what I'm
gonna do. Let's call this deal a wash...I won't bill you if you
won't bill me and we'll just walk away with no fouls. Fair
I received a "zero balance"
statement from him 30-days later: Don't
ever take any crap from anybody.
I don't care
who they think they are...if they're consistently and egregiously
late and force you to wait for hours on end, tell 'em to stick it. And
The Docs are very concerned about this
lawsuit outta Las Vegas. Stand-by for new
attitudes, a reversal of this judgment on appeal...or more lawsuits just
like it. Stay tuned.....
Speaking of brain-damage, check out the
new section for Californians that'll help you get a handle on your
rights if you do decide to pull the ripcord (that's slang for
filing for bankruptcy) on your creditors: It's
with one of the top bankruptcy attorneys in the state, and
a chance to debunk the half-truths being spewed by those
How much would you pay to be able to give
the most perfect eulogy at the most important time? How big's your
From $29 to $275, you can have your own
personal speech writer, just like the politicians do! Read
problems? (Know someone who does?) Wanna know more about the
inner-workings of that black hole known as the credit reporting
bureau? You can get a digital copy of Ben's
1993 (#5) bestseller Life
After Debt on-line, right now. Read
how right here.....