Benjamin Dover At His Best!

Good Tuesday morning! Here's your

Dose of Dover...

Still your most reliable source for un-common sense insight and

cover-your-backside strategies this new year and beyond.

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Tuesday, March 23, 2004

"If you can't bite, don't show your teeth."

This latest prank-by-mail has been updated and may end up in a mailbox near you: Herpes was the punch-line back in the 70s and 80s, but in the 21st century this joke is a bit more sobering.  Good con games are supposed to be convincing; read about this latest confidence play that could disrupt your relationship if you're the target.

How'd you like to pay only 3.39% for a mortgage? ARMs hit another record low, and 15-and-30 year rates aren't far behind: Alan Greenspan to continues to make a lot of people in the housing industry pretty happy these days. Here's why.

W.R. Starkey Mortgage has the Dover Seal of Approval because they're the best, no-B.S. mortgage company in the nation...period. They consistently deliver on their company credo: "A different kind or mortgage company where people come first."

Get smart(er) about the process from start to finish: Click here to get your free copy of Ben's 2004 Home Buyer's Guide.

Experience what stress-free financing is all about and take advantage of incredibly low interest rates: Do it all on-line W.R. Starkey Mortgage, or find a location near you: (888) 282-6632

And if you know a senior homeowner who's cash poor but is sitting on a wad of equity: Here's how to flush out some cash so they can enjoy the riches of their years of hard work. It's non-taxable cash, and allow 'em to travel, pay for medications or hire health care professionals that, in turn, allows them to stay in their homes longer. Turn up the speakers and learn more from Ben's streaming video archive.....

Is Burger King dead meat? Don't count 'em out yet; they're trying to reverse 5 years worth of declining sales by (here's a novel concept) improving the quality of their hamburgers! Before you pull in for another under-nourishing order of McCrap, read why it might be worth giving 'em one more shot over at Burger King.....

Love that nice big ride of yours? How are you gonna feel when gas prices hit $3 a gallon? Even the automotive industry admits they're amazed by continued strength in the SUV sales category.

Spring is officially in the air...now's the perfect time to cash in on [still] low interest rates...lower financing rates will give you more bang for your four-wheeled buck.  Click here to get a free copy of Ben's (recent) Smart Car Seminar guide to avoiding car-buying brain damage.

The key to avoiding auto buying heartache is to deal with an honest company in the first place: No matter where you're located, Manufacturer's Auto Leasing delivers on that promise, and more. They've got the Dover Endorsement because they really are auto experts you can trust. Check 'em out for yourself.....

You ever wonder what our Supreme Court justices are wearing under their black robes? Hmmmmmm, this has nothing to do with the story I'm pitching do mind you, it was just a sidebar thought.....

Here's the real question: Should you be able to sue your health insurance company for medical negligence? For the most part, the insurance industry attorneys have done a pretty good job of protecting them from these types of lawsuits, but it could change. Here's why.

Just a reminder Easter Sunday (April 11th) is now just 19 days away: Do something original this year that'll score some big points...send beautiful flowers instead of predictably boring Easter lilies. They'll last at least twice as long...FedEx-ed direct by our friends at www.tropicalcolors.com

Didja hear about the prison inmate who became the latest victim of identity theft while wasting away in prison for a crime he didn't commit in the first place? Talk about getting screwed...this guy's jinxed big time (read why).

Check out Ben's moving tips section here...and remember the key to lowering your chances for financial and emotional heartbreak starts by making the right moving company choice. Exodus Moving is a great example of dependability and just as important, affordability.

Unpacking after a big move doesn't have to be total brain-damage, either: Ben's choice for unpacking and organizing expertise that won't bust your bank account? Tiffany Pine-Lastelick and her team of organizational experts at InOrder.....

Live in North Texas? I've already found the first/last/only reliable (and bonded) locksmith you'll ever use!  Chief Lock & Safe  (214) 827-7535 (answered 24/7/365)

(Dead) seal heads? Add 'em to the list (besides knives and boxcutters) to not to "carry on" the next time you fly: I don't have to make these things up...they just fall into my lap.

Wanna zip through airport security? All it's gonna take is good old-fashioned cash to push you to the front of the line.

You really could have an extra $100,000 in your desk drawer and not even realize it! Read about the toddler that just gave dear Mom a 6-figure windfall.....

Dontcha love the amazing resources I compile every week in the Dose of Dover? Good! Then don't whine 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 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.....

Yeowch! Here's the latest way the bad guys are scamming gullible senior Americans out of hard-earned cash or (even worse), stealing their Social Security Numbers! Those Medicare drug discount cards aren't even available yet, but the bottom-feeders are using them as a cover story to put the screws to thousands of unsuspecting consumers. Put down that glass of Metamucil and read all about it.....

On the run from the law? Hiding out from the cops? Here's where you don't wanna go...(you'll never see this fact highlighted in any of the travel brochures, either!)

Speaking of running from the law, April 15th is now only 23 days away. Millions of Americans have IRS-related troubles hanging over their heads...are you one of them? Personal or business challenges aren't as hard to work out as you might think, especially if you hire the right representation to cut a deal with the world's most powerful debt collection agency. Take a deep breath and read more about it here.....

What an idiot, Part I: Jessica Simpson may be hotter than hell, but here's confirmation that she's also dumber than a box-o-rocks: According to Dallas Morning News columnist Alan Peppard, the former Dallas-area resident recently took a tour of the White House and was introduced to Gale Norton, the Secretary of the Interior. Said Simpson: "You've done a nice job of decorating the White House." Yet one more example of why hot chicks can have the mental capacity of a turnip...

What an idiot, Part II: Before you call your mistress, you might wanna double-check the number you think you're dialing! Maybe you don't have a mistress, but a parole officer instead. This pinhead deserves to be behind bars.....

What an idiot, Part III: That's what I felt like after waiting forever to make the jump from cable to satellite.

Easter and Mother's Day is coming up fast...looking for a reliable source for all types of jewelry or watches? Learn how to avoid getting hosed...check out Ben's diamond/jewelry buying tips...all assembled in one easy-to-reference section.....

Know how to find a new landlord that'll not only give you free rent, but will even move you for free? Simple! And only one click away.....

The good news? Your life expectancy just got extended by 73 days: The bad news? If you're in a lousy marriage or poor health, your average life expectancy just got extended by 73 days.....

How loaded are you? Americans have taken on record-levels of debt. Put down the credit card, step away from the ATM and read why.

In over your head in debt? Don't let the bottom-feeding tele-terrorists scare you (or someone you know/love) into making even worse financial decisions! Here's where you can get your hands on Ben's popular pull-no-punches books and fire the debt collectors! Or maybe you need to take legal actions and clear the slate in '04? Read more here.....

Dover's Dating Rule #1: Always "review the contents" of someone's medicine cabinet before you get too involved with them.

Dover's Dating Rule #2: Take a flashlight and lock the door before you start snooping. According to The New York Times, the new generation of medicine cabinets are bigger than most 6 year olds' bedrooms.....

Just a reminder that next to biting dogs, kids are the next big liability land-mine for homeowners/parents...Plus: Insurance companies love to beat you down when the time comes to settle a claim–here's an example of how you can leverage this strategy to limit your own liability...And: Now's the time to get the Easter/Mother's Day flowers/gifts ball rolling. Guiding you through life's mine-field (one bratty-child stunt at a time), check out this week's edition of Ask Benjamin Dover from The Dallas Morning News right here!



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