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Good Tuesday morning!  Here's your weekly and incredibly street-smart 
Dose of Dover
It's your most reliable source for un-common sense insight and
cover-your-hiney strategies you won't be able to find anywhere else.
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Tuesday, October 28 2003:

 

"Courage is knowing what not to fear." 
- Plato

It's really pretty simple to improve your marriage, your health, your outlook on life...even your income! Forgive and forget: Okay, while I'm personally doing better on my ability to forgive, I've got my work cut out for me on the forgetting-side of the equation. According to experts, there's strong evidence that forgiving those that have "done us wrong" over the years actually will improve our quality of life on many levels.

"Chronic unforgiveness causes stress" says Everett Worthington, executive director of an organization that's grabbing headlines for its research in this area of mental and physical health. "Every time people think of their transgressor, their bodies respond. Blood pressure and heart rates go up. Facial muscles tense, stress hormones kick in. Chronic stress affects the immune and cardiovascular systems. Forgiveness reduces stress by replacing negative emotions with positive ones."

Maybe Don Henley spotted this correlation years ago: His ode to forgiveness "Heart of the Matter" certainly hammered some of these points home when it was released in the early 1990s. From forgiving spouses to forgiving parents, the upside is startling. According to the recent feature story in USA Today, studies have also found these links between forgiveness and...
    - Reduced blood pressure and stress hormone levels, especially among low-income blacks
    - Less pain, depression and anger in patients with chronic back pain
    - Fewer relapses in women in substance abuse programs
    - Fewer symptoms of depression and stress and a higher quality of life for HIV/AIDS patients

Hate spam? Here's a solution that everyone can immediately benefit from: Please...sit down and get ready for some cyber-life changing strategies guaranteed to help you manage your Inbox. That saying "what's old is new again" comes to mind.....

Wanna give those sterile computer components a "new" look? Forget boring black, white or gray computer cases, CD burners or other peripherals. Think "Toys 'R Us" meets "CompUSA"...

Got an aging Mom, Dad, grandparent or other special person that you need help keeping an eye on? Here's a solution to a challenge all of us are going to have to deal with sooner or later-and another example of why we should all thank Al Gore for inventing the Internet.....

NostraDover, Part I-Bad credit can mean more than just paying higher interest rates. Texas lawmakers are finally going after the insurance companies for holding consumers hostage over negative credit information: I've been warning you about this for over a decade.  My biggest beef against the insurance industry: While they might be right to make a connection between bad credit and higher insurance risks, the assumption that they're making decisions using accurate credit information is wrong.  As I've consistently proven over the years, an unacceptably high percentage of credit reports contain outdated, erroneous or just flat-assed incorrect information. Hopefully one lawmaker's mission will take root and spread throughout all 50 states; read why you'd better pray he's successful.....

Anyone else feel the same impulse to crank up the Village People's "Macho Man" after watching the new "Brawny man" paper towel TV commercials? They've re-made the image of the nation's #2 paper towel maker, thinking that a lumberjack hawking their product will be just the remedy for their mustachioed-face leftover from the 1970s. Apparently, "women love him." Yeah, and I'll bet he's got a fair-share of male fans too; read more about the great make-over of 2003.....

Here's one more example of our tax dollars being wasted! The Senate's spinning its wheels passing a law by a 97-0 margin that will never be enforceable: Why'd they do it? Either because it'll make 'em look good when they come up for re-election or because no one wants to vote against anti-spam legislation. Read more about the latest "cause" pursued by the Silly Bastards Inside the Beltway.....

 

Bait-and-switch is such a common landmine for consumers trying to finance (or re-fi) a mortgage.  Don't get caught in their expensive traps--but take the Dover-proven route to stress-free finance, and take advantage while interest rates are STILL at incredibly-low levels!  Ben's no-brainer choice for any/all of your mortgage needs? Easy...do it all on-line or on the phone with the official mortgage company of www.benjamindover.com and your first (and only) stop: 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.....

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.....

Want to predict a heart attack with enough notice to possibly avoid it altogether? Doctors appear to have discovered a new blood test that may help thousands of coronary patients avoid a ride in an ambulance...and then, a hearse. Great news since 47% of the 1.1 million people suffering heart attacks every year die; read more about a new procedure that may put you in the 53rd percentile.....

Better living through alcohol-Part One: Now you can skip lifting weights or working out to improve your muscle strength! Drink vodka! At least that's what Liza Minnelli's punching bag soon-to-be-ex-husband is claiming: Oh yes, the truth really is stranger than fiction...

Popeye ate his spinach, Bruce Banner lost his temper to gain his super-strength...and Liza pounded vodka: Read what a Russian bartender and expert on the subject thinks about David Gest's claims.

Better (more profitable) living through alcohol-Part Two: I think I know why portraits George Washington always portray a rather depressed-looking demeanor. Maybe he was hung-over: Yes, the father of our country liked his whiskey, and started his own distillery after he left office in 1979. He made a profit of over $105,000 (in 2003 dollars) in his first year of business by warming the souls of early Americans with over 11,000 gallons of whiskey. Now his estate is preparing to auction off 96 bottles of hooch-here's how you can get a sip of George's Private Stock...

 
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..... 

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.

Shhhhhh! Don't tell the Mormon Tabernacle Choir directors about this story...(I wonder how much time they spent in Arkansas doing their research?): Scientists have discovered a gene needed to start puberty, zeroing in on it by studying families in which cousins had married each other. Hmmmmmm...read more about why some family trees don't have forks by clicking here, Jethro...
 

Here's why your wallet's about to shrink while your waistline expands: Some of the nation's biggest restaurant chains are poised to raise prices. Find out if one of your favorites is on the list.

Do 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!

NostraDover, Part II-I warned you this product was a scam...I wasn't surprised when the FTC went after them for promoting false claims and now they're going out of business: Oh sure, anyone can lose weight while they sleep...not. Say buh-bye to Body Solutions.....

Instead of trying a flaky weight loss strategy like Body Solutions, why not try something guaranteed to work every time? It's called creative labeling. Women have been jamming their feet into shoes two sizes too small forever because they don't wanna admit to wearing a larger shoe. Find out how some manufacturers are cashing in-it's another reminder that perception is reality...

Looking for a holiday gift this year? Think about making a donation in the name of someone you love. Ben's pick of the week? Appropriately-timed with the recent FDA announcement about some breakthrough drugs for Alzheimer's patients, let me suggest that Leeza Gibbons' Memory Centers, founded in honor of Leeza's Mom (who was diagnosed with the condition a couple of years ago) is a worthy recipient of your holiday donation dollars. The Memory Foundation's determined to not just help find a cure, but to help families coping with the challenges of Alzheimer's.....

The smell...wonderful. The lighting-soft. And the sound? Seductive. It's the newest strategy behind Detroit's quest for your love money: You're about to have your eyes opened to the 21st century reality that it's really not your Dad's Cadillac, or Lincoln or VW.....
 

 

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 here!

 

Here's the first and last automobile leasing company you'll ever need to deal with, no matter where you live...Benjamin Dover-endorsed 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.
 
 
Speaking of automobiles, the insurance companies are winning their battle to reduce the amount of cash they have to pay out if you're in an accident: I covered this topic in my column back in 1999 and now the Texas Supreme Court is siding with the deepest pockets-bad news for any of us already screwed by the inconvenience and financial hardship of a fender-bender...
 
 
NostraDover, Part III-I warned you over a year ago that your boss might actually be looking forward to your death. Why? Simple...it's called profit! You'd be surprised how many companies have quietly insured their employees, reaping huge tax-free windfalls from life insurance proceeds, frequently years after the employee has left the company. Now lawmakers are trying to close this blood-money driven loophole.....

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 really jack up your total tax bill eventually owed...late fees, interest and/or fines can jump 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 avoid a stay in your local hospital's burn unit? Don't talk on your cell phone while you put gas in your car: Yeah, I know I know I know...I've read the assorted "urban legend" like stories about cell phones and static electricity and all of that. But now comes official word from Nokia that exploding cell phone batteries is indeed, a real possibility. If you're one of the millions of Nokia users (like I am), you might want to read this.....

The friendly skies are about to become the more crowded skies: The FAA has just made some moves that'll put more jets in the air by 2005. Please return your seat to the upright position, store your tray and read more about it...

Dontcha hate being wedged into an airplane seat, only to have the clown in front of you recline-away what little space you have left? The newest gadget to protect your airline space is being banned by Northwest Airlines. Here's why.  

You'd better get off your rear and start making travel plans for the Thanksgiving holidays now! (Especially since it's just 30 days away):  Get more bang for your turkey buck by getting Thanksgiving and 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.  

Speaking of Thanksgiving...wanna be a hero this year for a change? Instead of showing up at someone's house with a cheapo bottle of wine that either nobody will drink or 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) 965-9732.

Prostate cancer-you talkin' to me? Robert DeNiro goes public about his condition, spiking public awareness about this condition. Riddle of the week: What do prostate cancer and rattlesnakes have in common?

Think your cell phone bill is high? Try getting a $39,000 bill in the mail: It happened to a guy in Michigan; apparently someone stole his identity to open an AT&T Wireless account in his name and started saying more than "can you hear me now?" to points in Kenya, Nigeria and Germany. But is this guy responsible for the bill?

 

This story serves as another reminder of the damage caused by identity theft...and it's another chance to remind you about my comprehensive resource section for ID theft victims...

Internet ID fraud complaints have tripled: What's the biggest reason for this spike? Gullible victims. Yes, you're your own worst enemy I'm afraid...read how and why.

Dontcha 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...

Do you use AOL? Did you know that your Big Brother in Virginia has quietly deactivated some of your computer's features by remote control? You see, they know what's best for you so just lean back and let them do whatever they want to your private property.....

As long as we're on the topic of Big Brother and computers, don't forget that your employer owns that computer you're working on at the office or for the company...especially helpful advice if you spend any amount of time on porn sites: Read why you really need to remember this little detail or risk embarrassment-or even a firing.

Yo yo yo!!! Have you heard about the newest update of one of America's classic board games? Instead of trying to corner the real estate market by buying up properties like Park Place or Boardwalk, Ghettopoly's "playas" build crack houses on Cheap Trick Avenue...moving game pieces like a marijuana leaf around a game-board emblazoned with a caricature of a black man with outstretched arms, holding a submachine gun and bottle of malt liquor. Needless to say Hasbro, Monopoly's owner isn't terribly amused, nor is the NAACP.....

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!

You're not gonna believe the name of a street in northern England: Sure, the three keys to succeeding in the real estate game is still location, location, location. So why would anyone buy a home located on a street with such an offensive name?

Why do Americans continue to be penalized for being innovators? We get stuck with higher prescription costs and many consumers are buying their medications outside U.S. borders at deeper discounts. Now students are using the same strategy to save cash on textbooks. Something's incredibly wrong with this picture...

Struggling with your monthly house payment? You might not have to if you take this shot of Dover Mortgage-related Common Sense!  Especially if you're a Texan (God bless the intelligent voters that allowed Proposition 6 to pass last month), homeowners over the age of 62 in Texas (other states age-limits will vary) can eliminate their monthly house payments if they know where to go. Oh yeah...here's where you can find more info on how to stretch those fixed-budgets.....

Do you know how long an auto dealership can take to pay off your trade-in?  What happens if the dealership goes bust?  Are you on the hook for the pre-existing loan/lease that you just thought was being paid off?  Plus...The games car dealers play--and what you can do to at least play 'em to a draw.  Guiding you through life's automotive minefield, one car payment at a time, check out the October 30, 2003 edition of Ask Benjamin Dover from The Dallas Morning News right here!

 


 
 
 

 

 

 
 

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