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Good Tuesday morning!  Here's your weekly, amazingly street-smart 
Dose of Dover
Still your most reliable source for un-common sense advice, insights and
cover-your-back side strategies you simply can't find anywhere else.
Take your best shot...try to put me out of a job!
How? Make everyone a little lot smarter:
Forward this e-mail 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, September 30, 2003

Dover's Definition of a real friend? Someone who calls you when they don't need something.

Jeepers-Creepers, where'd ya get that...laptop!?!  A new breed of thieves are walking into office work areas...and it's your fault! How so? A recent article in The Wall Street Journal notes that with post-9/11 fears of terror attacks fading, thieves are brazenly walking through "secured" office area doors that have been propped open for convenience and they're helping themselves to hundred of thousands of dollars worth of personal property.

Atlanta law enforcement came up with the term "office creeping" for this rapidly-growing white collar crime that's happening daily in office buildings across the nation: Laptops, purses, cell phones and wallets are being stolen right under the noses of friendly employees because overly-polite office workers are the bad guys' unwitting accomplices. In Connecticut, a team of well-dressed thieves entered offices at the end of the day, as workers were going home and cleaning crews were coming in to do their job. Greeting victims with "have a good evening" as they passed into secure areas, the bad guys are suspected of making off with over $100,000 worth of laptop computers and other office equipment. This past summer a well-dressed burglar chatted with office workers at an elevator, bidding them "a nice day" before walking off with three laptops in Boca Raton, Florida.

Wanna make yourself an even bigger target? Make sure you attend that mandatory meeting or seminar! Though you might not like those boring, job-related functions, the bad guys love 'em. They dress nice, are great conversationalists, and are incredibly-adept at fitting right in as they make their move on your unprotected personal belongings. The moment you step away to the bathroom, to get a drink of water or to make a call on your cell phone outside of the meeting room, you can kiss your valuables goodbye.

So how do you protect yourself and your co-workers? A dose of common-sense and suspicion is a good start. According to security industry experts Barton Protective Services:
    - Carry and store laptops in a nondescript case.
    - Store and lock purses and keys, wallets and laptops whenever you leave the office or your work area.
    - Challenge strangers! "May I help you?" had better be answered with a helluva good answer, and if they don't have one or can't verify their purpose for being there, don't be shy about busting their chops and calling security. [Better safe than sorry.]

    - Remember: Lunch time, as well as the beginning and end of the business day, are the favorite times for creepers to strike.

 

Fake Rolexes or Louis Vutton purses have some new counterfeit-company-Red Bull: Phony Red Bull has begun showing up in bars and clubs. And didja know you can't even buy it legally in Canada, Denmark or Sweden? Put down that Stoli's shot and chug this...

Forget traditional home-finance thinking and take advantage of dropping interest rates! That's right, rates have dropped again, this time below 6% for the first time in over 2 months: Quit jacking around and re-fi now-or take the plunge and buy a home during the slow time of year and really save some dough. Read more about it right here..... 

Since we're talking about moving, let's 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.....

Since 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!  And the best news of all?  Deal with the best, lay-it-on-the-line/no-games-played-here company in the country, W.R. Starkey Mortgage.

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.....

NostraDover strikes yet again. This time? Calling the actions of the cellular phone industry as the phone number portability deadline approaches with eerie-accuracy. I love it when I'm so far ahead of the pack, as documented here. Read how the nation's cellphone heavyweights are delivering on Ben's predictions, and how you are going to benefit in the next coupla months.....

While we're on the topic of cell phone number portability-didja hear the latest marketing salvo fired by Verizon? Beginning the Monday-before-Thanksgiving, they're going to let their customers transfer their cell phone numbers to their home numbers, or vice-versa. In other words, they're determined to let you keep your phone number as long as they can keep you in their extended family. Smart move...read more about it here.

It appears that the tele-pests are trying to score some butt-kissing points with consumers: Even though a coupla judges appear to be working hard at making names for themselves by blocking the national Do Not Call list that was supposed to go into effect tomorrow, the Direct Marketing Association (that would be the telemarketing lobbyist mouthpiece) says its members are going to voluntarily comply with the yet-to-go-live list. (That sucking sound you now hear is their collective lips on the behind of lawmakers...)

Now's a great time to be in the market for a new set of wheels...but don't get snookered by those radio-commercial claims by car leasing companies that want to get you hooked, wear you down and beat the daylights out of you!  Check out Ben's free Smart Car Seminar automotive acquisition tips right here!

 

Here's the first and last automobile leasing company you'll ever need to deal with, no matter where you live...the Benjamin Dover-endorsed choice? Manufacturers Auto Leasing! They have loyal clients across the entire state of Texas and around the nation.  Why?  Because they'll take care of you better than anyone else out there! 
 
By the way: If you're facing one of those upside-down scenarios (car business term meaning you're financially buried), or maybe you simply want to bail on your current vehicle and need someone to get creative on your behalf, Manufacturers Auto Leasing is the best in the business.  Period.

Real men don't eat Chicken McNuggets: At least that's what the National Cattlemen's Beef Association is betting on. Here comes the newest taste-treat, cheeseburger fries.....

Speaking of fast food, it's the friendly service-not the food-that keeps a restaurant's patrons coming back for more: You're kidding, right? Not according to a recent study from a company that specializes in analyzing the buying habits-and-motivations of fast-food patrons. According to an article in The Wall Street Journal: "Traditional QSRs [Quick Service Restaurants] are failing to satisfy customers on a basic level. When it comes to good service, "fast-casual" chains such as Panera Bread Co. and Boston Market easily outperform their fast-food rivals."

By the way, didja hear about the new adult Happy Meal that McDonald's is testing? Oh yeah, I'm sure this will sell well: It includes salad, water, and exercise booklet and a pedometer to encourage walking. Is it just my cynical side coming to the surface, or does this sound like a buncha window-dressing encouraged by McDonald's lawyers hoping to head off future lawsuits filed on the "you're making Americans fat" front? Stay tuned.....

Also from the food aisles: We all know that the skies are safer in this post September 11th world, unless, of course, you've got someone chowing down on a 5-course meal they've brought with them. Some flight attendants are longing for the good ole days, when they could sling crappy food at you with a smile-instead of turning into busboys at 31,000 feet. Wouldja like coffee, tea or a Hefty Bag, ma'am? Read all about the newest hazard facing the flight attendant world, and please return your seat to the upright position.....

Airborne eating, Part II...American Airlines is the latest to experiment in the pay-as-you-eat world of flying-and-dining: Meals costing $7-$10 are being tested on certain flights, giving us one more reminder why eating before you fly might be the best way to cure an AAirborne AApettite.  

Since you're thinking about eating-and-flying, now's the time to get off your butt and start making travel plans for the Thanksgiving holiday weekend! (You're on the clock and it's now 68 days away): Stretch your travel budget and get your Thanksgiving or Christmas-time travel planning handled now. Check out Ben's reliable, no-brainer choice for consistently affordable and competitively priced hotel room or condo deals: www.hotels.com.  

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...with one small caveat: If you try to hit an older story, there's a reasonable chance that the news organization has either moved the story to a new URL, or to their archives.  If it's archived, there's a high probability that they'll charge you for access to the story...usually under $3.  Don't whine about it...just pay 'em if you wanna read it--or not.  It's always your choice.

 

Also worth noting: Nowhere is it written that you have to give them accurate information when you sign up for free access on their website. 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...

Big Brother's not welcome in California, at least if he's driving, anyway: Last week California adopted the first law designed to protect the privacy of drivers whose cars are equipped with a Black Box-data recorder that could be used to gather information on how a vehicle was being driven moments before a crash. Read all about it here...and yes, of course we've covered this topic before on this very website.

Speaking of California: Spammers had better stay clear of sending unauthorized e-mail to or from anyone there, or face some major financial consequences-like a $1 million fine. Yeah, you betcha. Good luck catching these cyber-cockroaches, and better luck trying to collect.

Since death and taxes are inevitable, why not do a little research today and save your family a casket-load of grief down the road?  Know your rights when it comes to end-of-life issues: Spend a tax-deductible $35 and buy your family a lifetime membership to one of Ben's favorite non-profit organizations that specializes in making you smarter: Funeral Consumer's Alliance of North Texas

If you (or someone you know) is even remotely thinking about paying 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, Californians should check out this new section on my site 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.

From the "you just thought they could be nasty" department; some insights on the IRS' new commissioner: According to a tax industry insider: "The new IRS commish is a real hard liner.  In documents that had to be requested under the Freedom Of Information Act (FOIA), the new commish has stated he's going to do his best to eliminate the offer in compromise program.

It's also been documented from internal IRS memos (that also had to be pried out via FOIA),  that the new commissioner has isolated and ostracized the congressionally mandated taxpayer advocate department, and that they're not to be privy to any of the of the IRS' internal loop of information.  It really looks like he a mad dog off the leash.  In the future we see a huge backlash against him, but it might take a few years for all that to build up.  The IRS has a new focus in collections even if the taxpayer has already completed and sent in their returns...and the IRS is dragging its heels in processing returns right now; 6 month or more is quite standard time for them to process older, multiple-years of returns."

Don't make the mistake of trying to deal with the IRS on your own.  Lousy advice could not only cost you dearly, it could jack up your total taxes owed, late fees, interest and/or fines to levels that'll make you think about learning Spanish and heading south of the border. If you've got some tax-related challenges, now's the time to tie down those 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.

Wanna really get nickeled-and-dimed to death? Try cashing in a buncha spare change at your local bank! Here's why consumers are finding it more difficult to convert coins to cash.....

Can ice cubes save someone who's taken an overdose of the date-rape drug GHB? It depends where you put 'em...according to the latest "cure" making the rounds down under. (Thanks to our definitive source for stories like this, J.D. Ryan of ratings behemoth The Russ Martin Show, heard Mondays-Fridays on 105.3FM in Dallas.)

Hey guys! Wanna improve your batting average on a first date? Older might not be better: According to a survey released by AARP, only 2% of single women aged 40-69 approve of sex on the first date. And the hook in the story that must've gone over like flatulence in church? They used Demi Moore as an example. The truth is stranger than fiction.....

The gift buying season is almost here-so know the ins-and-outs of gift cards before you start throwing your money down the holiday rat hole: The Orange County Register covered this recently...and of course your pal Bennie covered it about 10 months ago on this very site.....

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 insight 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!

 

Do you know what to do if you happen to miss your weekly Dose of Dover?  Aside from blaming your ISP for it, take the path of least resistance: Read the latest edition in the Dose of Dover archive right here!

 

What do Jethro Bodine, "Radar" O'Reilly, Laverne & Shirley, Dick Clark, Gilligan, Lucy Ricardo and Jeannie (Barbara Eden) have in common? They're all big TV icons and they're also attractions in Las Vegas...but that's where the similarities end. Didja know that slot machines contribute a ton of cash to casino coffers, but the new wave of nostalgia TV-themed slots are among the hottest. Roll the dice and read more.....

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:

    Read sample chapters from the new book!

    Get the inside scoop on those "non-profit" credit counseling agencies.

    Read all about the biggest thugs operating under the noses of authorities, rogue collection agencies that terrorize unwitting consumers.

 

And since we're on the subject of credit problems...do you know anyone who'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..... 

As of today I hereby declare the newest buzz-word "NostraDover." The definition is simple enough: Un-common sense predictions made months (or even years) before they're proven correct. Countless predictions (from identity theft, credit repair and debt negotiation scams to counterfeit drugs) have already been documented through this column and on my website over the years. All of the stuff I can't cover in this space can be found in the (free) Dose of Dover weekly newsletter. Sign-up at www.bendover.com/newsletter.asp.

 


 
 
 

 

 

 
 

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