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Good Tuesday morning! 
Here's your weekly, always street-smart 
Dose of Dover
Still the single-most reliable source for un-common sense advice,
insights and cover-your-derriere strategies you simply 
won't be able to find anywhere else.
Take your best shot...try to put me out of a job!
How? Make everyone a little lot smarter:
Forward today's newsletter to everyone
in your Address Book!  [C'mon...be a big shot!]
Spread the wealth and share the word: Lots of eye-opening
information posted on our award-winning website.
 

Tuesday, August 19, 2003:
 
I finally have proof that God really is a man! It's clinched, it's proof-positive and it's great news for television fans everywhere: Okay, work with me here as I explain the logic behind this real revelation.  Men love their remote controls--whether it's for TVs, stereos, DVDs...even ceiling fans, Dover's Rule is easy to follow: The higher the testosterone level, the higher the chances of multiple remote controls.  The long-arm of God reaches out to empower electronics designers of Tivo, ReplayTV and Personal Video Recorders (PVRs) with the knowledge and "God-given talent" to create the newest innovation that'll allow us to never miss another episode of Seinfeld, Blind Date or [if you've gotta woman in your life], Sex in the City.  Program your recorder to record...via the Internet!!!  It's called "Remote Scheduling" and you can read all about it right here!
 
 
Do you love the amazing resources I compile every week in the Dose of Dover? Good! Then no whining about having to sign-up for free access: Like anything in life, there's always gonna be a trade-off on some level. I embed dozens of links in every edition of this newsletter, and my frequent sources, The New York Times, The Dallas Morning News, The Los Angeles Times, The Orange County Register and USA Today require varying levels of registration in order to access their websites for free.
 
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 price...free!  So no complaining...
 
Gotta cell phone? Get ready for another new fee from your pals at the phone company!  I was one of the first to report on the leverage cell phone users are about to have on their cell phone companies, thanks to some new rules that go into effect around Thanksgiving this year.  So none of us should be surprised that they're using this new "portability" as an excuse to pile on one more fee...take a shot, work on your deep breathing and read all about it here.
 
 
Nostra-Dover Predicts: The great baby boom on the horizon, and a wave of mid-May '04 births, courtesy of the great East Coast Blackout of 2003.  You gotta do something with all of that sweaty spare time since the TV and telephones won't work.....
 
 
 
 
Thinking about getting pregnant? (Or know someone who is?) You might wanna think twice before you take an aspirin, especially since it could trigger a miscarriage:  Recent research from Kaiser Permanente Hosptial indicates that women taking ibuprofen, aspirin and other over-the-counter pain meds may inadvertentley be increasing their chances for a miscarriage.....
 
 
More news from the medical front raises the question: Could your doctors be incentivized for sending you home with a prescription?  Or maybe it's simply another sign of the times, but the one fact is clear: The average number of drugs prescribed for each doctor's visit grew an average of 17% over the last decade...and 53% for patients older than 45!  Put down the Paxil and read all about here first.....
 
 
Since interest rates are moving, it's not too late to buy a home.  Interest rates are still lower than they were a year ago, 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 right!  (Free!)  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)?  (I'll 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.....
 
 
Time to get off your butt and start making travel plans for the lonnnnnnnng Labor Day weekend (now only 10 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 deals: www.hotels.com.  
 
 
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 wealth!  Sign-up for a subscription to the weekly Dose of Dover Newsletter right here!
 
 
If you (or someone you know) is even remotely thinking about joining some non-profit credit counseling service, hiring a debt re-negotiation company or filing for bankruptcy, you might wanna read this first:  Trust me, you'll be more informed and a lot more grateful 10-minutes (or less) from now.....
 
 
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 a Q&A with one of the top bankruptcy attorneys in the state, and a chance to debunk the half-truths being spewed by those bottom-feeding tele-terrorists.
 
 
   
 
If you do decide to cut the cable, or hook-up with satellite TV, the choice really is simple: First off, it's probably not as expensive as you might think...and those satellite TV installers ["great service or else"] put the cable guy to shame.  Here's Ben's easy pick.....
 
 
Whatchu talkin' 'bout, Arnold?  I know it's gonna be tough for some of you, but thanks to the FCC-mandated "equal time" for political candidates, don't expect to see any "Diff'rent Strokes" reruns on TV anytime before the big October '03 California governor recall election.  And add "Twins" and "Kindergarten Cop" to the list of Ahnold-driven movies to the list while you're at it. [Damn!]  Read more about it here...
 
Speaking of Ahnold, get ready for a tidal wave of spam offering "Arnold for Governator" t-shirts: And remember Dover's Rule: If you ever buy anything from a spammed e-mail offer, you're only perpetuating the problem.
 
 
You deserve to have your computer destroyed!!!  I'm serious, if you haven't been updating your Windows-platformed computer with Windows updates designed to close the holes exploited by virus-authoring hackers, you deserve to lose everything on your precious computer.  Since I know you wanna get right with the cyber-gods, here's your link.....
 
 
While we're on the subject of destroying things, don't let the IRS put holes in your life...anymore than necessary, anyway. It's probably time you got that unfinished business with your pals at the IRS handled for (hopefully) good: Tie down those tax-related loose-ends on your terms and get a deal worked out before it's too late.  Non-filers...innocent spouses...941 (payroll taxes) for the entrepreneurs amongst us: Know all your options and learn why hiring an Enrolled Agent probably makes the most sense. 
 
 
Didja happen to miss the fastest (and most relevant) 2-hours in talkradio Sunday morning? Oops!  So did I!  Sleeping late?  Live outside of Southern California?  It doesn't matter: KFI canceled the show on Monday, June 23, 2003.  (Oh well...that's life in the radio world.)  Check out KFI's new weekend line-up by clicking here.
 
 
It's time to level the playing field with the long-awaited new edition of Back Off! The Definitive Guide To Stopping Collection Agency Harassment:
 
And since we're on the subject of credit problems...do you know anyone that's got some of their own? It's time to learn more about the inner-workings of that black hole known as the credit reporting bureaus: You can get a digital copy of Ben's 1993 (#5) bestseller Life After Debt on-line, right now.  Read how right here..... 
 
 
Be wary of phone calls from strangers claiming to be taking a survey for a state or federal government agency!  The latest scam that's making the tele-rounds cashes in on naive targets who think they're doing their civic duty...Plus: Terrific [and free!] on-line resources that'll help you check out phone numbers, anywhere in the country.  Guiding you through life's wrong numbers, one suspicious call at a time, check out  this week's edition of Ask Benjamin Dover from The Dallas Morning News right here!

 


 
 
 

 

 

 
 

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