New Page 1
Tuesday morning! Here's your weekly,
your most reliable source for un-common
sense advice, insights and
side strategies you simply can't find anywhere
your best shot...try to put me out of a job!
Make everyone a
this e-mail to everyone in
your Address Book!
a big shot!]
the wealth and share the word: Lots of eye-opening
Dover's Definition of a real
friend? Someone who calls you when
they don't need something.
where'd ya get that...laptop!?! A new breed
of thieves are walking into office work areas...and it's your
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
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.
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
and store laptops in a nondescript case.
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...
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
more about it right here.....
we're talking about moving, let's go
down your "things to do" checklist: Moved
your phone service and utilities?
in your change of address on your mail?
Have all of your belongings held hostage by some rogue movers? [Check...not!!!]
Do your homework (first) and
choose the right moving
Moving Tips will save you time, money and lots-o-heartache.....
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.
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.
that you're motivated to buy a house, or trade-up from your
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
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...)
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
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!
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
Auto Leasing is the best in the business.
Real men don't eat Chicken
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"
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
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.
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
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
varying levels of registration in order to access their websites
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.
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
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
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
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:
me, you'll be more informed and a lot more
grateful 10-minutes (or less) from
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.
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
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."
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
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
Can ice cubes save someone who's
taken an overdose of the date-rape drug GHB? It depends where
you put 'em...according
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:
Orange County Register covered this recently...and of
course your pal Bennie
covered it about 10 months ago on this very site.....
looking for a cool birthday (or other special occasion) gift
that'll keep on giving, all
long? Then give 'em
a subscription to the Dose
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
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.....
time to level the playing field with the long-awaited new
edition of Back
Off! The Definitive Guide To Stopping Collection Agency
sample chapters from the new book!
inside scoop on those "non-profit" credit
all about the biggest thugs operating under the noses of
authorities, rogue collection agencies that terrorize
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
sense predictions made months (or even years) before they're
proven correct. Countless predictions (from identity
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.