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
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a big shot!]
the wealth and share the word: Lots of eye-opening
"Faith is the only known
cure for fear."
- Lena K. Sadler
Since you're (probably) reading this on your computer screen
right now, you've got the ability to drop your long distance phone
bills to zero. No hype-just Skype.
Read more about the newest
technology to threaten the profitability of the world's phone
companies-as well as foil the wiretapping abilities of law
enforcement-in this week's Dose of Dover (below).
(It's worse than Ben and J-Lo...) The
Do Not Call list is on again...for now:
The national Do Not Call List is on again...at least until
November 10th. That's when an appeals court in Tulsa,
OK will hear oral arguments giving the tele-pests another shot at
overturning the wishes of 52 million Americans. Here's
Looking for a reminder of why the Do
Not Call list is not the end all/cure all to tele-cockroaches?
course Ben was the first to point out the assorted
loopholes that could keep those phone calls coming.....
Wanna know how the telemarketers are
scheming to work their way around the Do Not Call Lists? They're
setting you up by creating sweepstakes, rebates and product
giveaways to lure you into signing on and-in the process-waiving
your do-not-call rights. Here's
how they're doing it and what you need to know to avoid taking
Didja hear the one about the priest, the hooker and the rabbi?
Okay then, didja hear the one about the FTC and FCC's intent to
enforce the Do Not Call list? You betcha...this should be good:
Okay, so I'm a bit skeptical. But maybe it's because I've seen how
effective the anti-spam laws have been.
The FTC (Federal Trade Commission) says they're gonna go after
Do Not Call violators, slapping them with $11,000-per-occurrence
The FCC (Federal Communications Commission) says
it received 2,665 complaints during the first nine days the list
was "live" and sent out 19 letters to tele-scumbags
seeking "more information" as they launched their
investigations. FTC and FCC officials say they'll go after
companies that generate the most complaints first, and that the
two agencies are prepared to share complaint information (sure
they will, two federal agencies helping each other-uh-huh...), but
do you know where to go and what to do if you've been
"violated"? You do now...
If you receive a call from a
telemarketer-and you signed up for the list in timely manner and
want them penalized, you'd better have the ammo needed to get 'em
in hand and ready to go...make sure you've got:
- The telemarketer's name or phone number
- The date of the call and...
- (Duh!) Your phone number/the number that's
listed on the Do Not Call list...
It's not your parent's box of crayons:
In honor of Crayola's
100th anniversary, they've blown out teal
blue, blizzard blue,
magic mint and Mulberry.
out what they've replaced them with.....
a great time to be in the market for a new set of wheels...but
please don't get taken in by radio-commercial claims from car
leasing companies out to get you hooked and then set to wear
you down and beat the emotional (and maybe financial) 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...Benjamin
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
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,
Auto Leasing is the best in the
DELTA stands for Don't
Ever Leave The Airport-hungry
and cashless, anyway:
Delta Airlines is discontinuing
complimentary meals by next Spring, which might be a blessing
after all. Please return your seat to the upright position, hit
the ATM before you get the hairy-eyeball from the gate agent and read
why packing your own food is not only safer for your palate, but
your pocketbook, too.
Now that you're
looking forward to that scrumptuous airline food, it's time
you got off your rear and started making travel plans for
the Thanksgiving holiday weekend! (You're on the clock
and it's now only 54
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
How about being a hero this year
for Thanksgiving? Instead of showing up at someone's house with a
crappy bottle of wine that either nobody will drink and it'll end
up being "re-gifted" somewhere down the road, bring
something that's sure to set you apart!
Screw-off tops or canned cranberry sauce can be the quickest way
to be de-invited for future events so spend a few bucks and do a
little planning today to bring beautiful flowers, direct from
Hawaii with you. Ben's affordable choice? Tropical
Colors. Order on-line or give 'em a call
toll-free (remember to call after 1p ET/12n CT/11a
MT and 10a PT because of the time difference): 800
God hates cell phone and pagers: Add
crying babies to the list and you've got the most-popular banned
behaviors list for places of worship, as well as movie theaters. Knock
out a few Hail Marys or Shaloms and read more.....
Speaking of yarmulkes, didja hear about the newest periodical
to make waves among Old Testament purists? It's called "Heeb"
magazine, and it irreverently likes to refer to itself as
"The New Jew Review". Skip
the pork rinds and read all about it.....
When is bad news good for you?
When fears about our economy's health result
in the lowest mortgage rates in decades! Time
to buy your first home...or a bigger home...or just
re-finance! Interest rates are STILL at incredibly-low
levels...so quit waiting on guessing the winning 6 Lotto numbers.
Ben's no-brainer choice for any/all of your
mortgage needs? Easy...do it all
or on the phone with the official mortgage
company of www.benjamindover.com
and your first (and only) stop: W.R.
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.
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.....
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 company!
Moving Tips will save you time, money and lots-o-heartache.....
The list of urban killers is predictable: AIDS. Drugs. Guns. Stress?
That's right...stress is apparently taking it's toll on urban
a Xanax and read more about it...
Skype and VoIP. Two new words you'll
be adding to your cyber-vocabulary soon, and you heard 'em here
(rhymes with hype) allows the cleanest (free!)
long distance telephone connections via the Internet yet, relying
on the VoIP (Voice Over Internet Protocol) technology. Wanna
Free phone calls sound like a
"too good to be true" sorta opportunity? Maybe
not-one sign of legitimacy is when taxing authorities start making
moves to get a piece of the action. Find
out how the VoIPs are starting to show up in taxation crosshairs
in states like the Socialist Republic of California.
NostraDover strikes again!
Only 41 days until you can tell your cell phone company to
shove it: Oh boy oh boy oh boy-the time is drawing near
when we'll be able to level the cellular playing field; Ben
told you to hang on and wait for some terrific deals months ago
and now regulators are giving consumers cellular brass-knuckles as
talk of quick switching appear to be reality. Quick
Click here and find out more about the leverage 100 million
Americans are about to enjoy.....
Plastic utensils on airplane flights.
Digital physical exams at airport security checkpoints. And now
the hairy-eyeball scrutiny at your local bank: Thank
Osama for the latest inconvenience the next
time you try to open a bank account. Here's
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...
Those snappy dressers in brown
polyester are going after FedEx in a big way: Read
how Big Brown's re-tooling their infrastructure and delivery
systems to get competitive on ground shipments.....
(Could they be targeting KKK members?)
Could McDonald's be bringing "segregated food" to a
McArches outpost near you? Hmmmmm...read
this article and then you decide.
You know the biggest victim of scumbag
spammers? Legitimate e-mail! I know it's
happened to me-messages inadvertently directed to my
"delete" box because of mail rules that I set-up to
reduce the amount of garbage in my "inbox." Find
out more about how software engineers are trying to beat the
spammers by helping you identify the e-mails you want to
you know what to do if you happen to miss your weekly
Dose of Dover?
Aside from blaming your ISP (taking anti-spam measures) for
it, take the path of least resistance: Read
the latest edition in the Dose of Dover archive right here!
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
Are you a Google fan? I am...but I'm a little concerned about
the recent revelation that sounds like they could be engaging in
"spyware" type behaviors:
How often do you
use this free search engine? If you don't know, they just might
have the answer. Find
out what the Google braintrust has quietly rolled out into the
cyber-landscape, and how your on-line activities might not be as
anonymous as you might think.
You'd better think twice about the content of your next e-mail!
Here's a lesson being learned by Enron employees-the hard
I've warned you many times over the last few years
about the dangers and inherent insecurity of e-mail. Aside from
its being non-secure, it can also stay "resident" on
dozens of e-mail servers for years-giving nosy investigators an
easy avenue with which to impale you on your own words. Maybe
you'll start believing me after you read the personal revelations
of innocent Enron employees. (And I'll be you'll start being
careful what you write about in-laws, spouses or mistresses from
Add four more
"Dover's Rules" (
stolen I mean, acquired
from the November '03 issue of Esquire
magazine) to your list:
- Rule 146:
There is no product that can't be
improved with the addition of Velcro.
- Rule 153:
If you see a really nice car with handicapped plates, you're not
as jealous anymore.
- Rule 611:
If your PIN number is your birthday,
you're an idiot.
- Rule 612:
If your PIN
number is your girlfriend's birthday, you're a sucker.
to level the playing field with the long-awaited new edition
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.....
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 now.....
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
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 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 information. It really looks
like he's 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 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.
Irritated by software companies that want
to limit your usage of their products that you've legitimately
purchased? The TurboTax braintrust is trying to defuse
the PR-bomb they created last year by buying full-page ads
apologizing for their greedy
behavior. Check out their
While we're on the subject of
copying software, here's a little tip on how to override a new
security feature on CDs, designed to keep you from making multiple
copies of music you've legitimately purchased and have a right to
rip: Some of life's cyber-solutions can be so easy
if you know where to look. Of
course I'll show you how and where, read on.....
Sold a car
and thought your problems were behind you? Not so fast,
Manson. Here's what you need to know to protect yourself
from ending up on an episode of "Cops"...Plus:
If you're looking for a good deal on drugs (the legal ones, you
dope!) but don't wanna join one of those buying clubs for
the privilege, you don't have to! Keeping you outta
prescription painkiller at a time, check
out the October 16, 2003 edition of Ask Benjamin Dover from The
Dallas Morning News right here!