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The Super Bowl's Coming To Houston:
(...And So Are The Con Artists & Thieves!)
 
Airdate:  January 22, 2004
 
The Super Bowl’s coming to Texas in a couple of weeks and that means in addition to the thousands of fan descending on Houston to watch the big game between New England and Carolina, the bad guys will make their presence known to an unlucky group of victims.
Dallas Morning News columnist and our own un-common sense expert–Benjamin Dover–is here this morning to help put the bad guys outta business.

Question 1: I know you’ve covered the big game some years ago–does anything surprise you when it comes to super scams at the Super Bowl?

Answer 1: Nahhhhhh, it’s just another excuse for the grifters to get creative and take advantage of tourists–many of who are filled with the spirit, if you know what I mean.

Question 2: So what’s the most creative super scam you’ve heard about?

Answer 2: It’s a tie from Super Bowl XXXV in Tampa three years ago. The first set of clowns went to the game wearing hospital scrubs, and tried to walk into the stadium during the game claiming to be paramedics. Of course the security guards didn’t buy it and turned ’em away, only to catch them a little while later crawling behind some forklifts, trying to sneak in. They got popped with grand theft charges–since they were trying to "steal" their way into the big game instead of paying $325 a ticket like everyone else.

Another guy bought a jacket from a security guard to get him past the gates, and two other super scammers tried to use fake media passes for admission.

Question 3: What should we be careful of when it comes to super scams at the Super Bowl?

Answer 3: I’m so glad you asked! Ben’s Top 4 Super Scam Picks

#1 Ticket scams are the most predictable Super Scam every year: Anytime you hear a hard luck story that promises to deliver Super Bowl tickets, be skeptical. Jerome Solomon from The Houston Chronicle reported a coupla weeks ago that $500 upper deck end zone seats were going for $2,000, and if you want to sit in "the good seats," you could spend closer to $6,000 a pop. If it sounds too good to be true–you’re gonna feel Super Stupid if you think you’ve found an amazing deal.

Question 4: But there’s another ticket-scam related con game out there, isn’t there?

Answer 4: Yeah, and this one’s just as silly. There’s a Super Raffle Deal making the e-mail rounds, offering Super Suckers the chance for tickets–$50 for a chance for two tickets. Aside from the fact that there aren’t any tickets to be won, even if there were, it’s illegal. The only legal game of chance in the state of Texas is the lottery.

Question 5: What’s the next scam Super Scam on your list?

Answer 5: #2 Watch out for pickpocket teams and purse thieves: The bad guys look at it as an "extra Christmas shopping season." There’s a huge influx of visitors coming to Houston for the game, and that means more scammers out trying to ply their trade.

Of course the bad guys don’t know who’s a "local" versus who’s a Super Sucker-Tourist, so everyone’s fair game. It’s no secret that Super Bowl fans have gotta lot of cash on ’em, so the incentive–like at the malls during the holidays–the incentive for the crooks is obvious.

Protect your purses and don’t carry a bunch of cash or credit cards or your checkbook or anything with your Social Security Number on it. Or you’ll be Super Sorry you did.

Question 6: What’s your next scam?

Answer 6: #3 Un-licensed/unauthorized or knock-off Super Bowl merchandise: Just like those terrific deals on Rolexes you buy from guys on the streets on New York, we’ve gotta be careful about Houston-area street vendors peddling merchandise bearing NFL logos. If the trademark-infringement police catch you with an un-licensed product, there’s a good chance they’ll confiscate it–and of course–you lose...again.

Question 7: And your last Super Scam?

Answer 7: #4 "Cash back" phony check schemes: These really seem to be heating up again. "Buyers" from overseas–frequently that hotbed of con games, Lagos Nigeria, pop us as a buyer of something you’re advertising on eBay or what I predict we’ll see is a "I’m in town for the Super Bowl and I saw your ad in the paper" type of cover story.

The "buyer" wants to buy whatever you’re selling, and you end up getting what appears to be a Cashier’s Check or Money Order for more than the actual sales price you’re asking for. Then they play the "can you send me the balance of the cash after my check clears" card, unwitting victims think they’ve waited long enough before sending the remaining cash balance and are stung when the check bounces, you’ve lost whatever merchandise you were selling in the first place, along with a stack of cash. It’s not pretty.

Close: The web address for everything we’ve talked about this morning–and a lot more–is the award-winning www.benjamindover.com.  And of course you can always link to Ben’s site from ours, www.khou.com.


More good news for future home buyers (and their credit reports): Didja hear about the mortgage company that was able to step in and close a tough loan on less than 24 hours notice? Despite all of the paperwork and (perceived) brain-damage that goes with the home buying process, the first mortgage company that was supposed to close fell apart and set the stage for the save of the century by my friends at W.R. Starkey Mortgage. And what's really amazing about this story are the facts of the deal: A pock-marked credit report, a non-conforming loan and a short-fuse couldn't keep Starkey from delivering the goods for a grateful homeowner, which brings me to the moral of the story...

Don't screw around with a buncha pikers that make mortgage promises they'll never be able to keep! You might think you're getting a good deal, but it'll likely blow up in your face when push-comes-to-shove and they can't close. Then your problems really begin. W.R. Starkey has the Dover Seal of Approval because they're the best, no-B.S. mortgage company in the nation...period.

They deliver and make home buyers the winners and long-term beneficiaries of Starkey's commitment to their company positioning statement: "A different kind or mortgage company where people come first." You really can bank on it, folks.

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.  Hit their website or call their Houston-area office at: (713-977-9533) or toll-free: (866) 249-7599. 

It's easy to get educated about the process first...(plus the price is right...how about free?!?) Everything you need to know is only a click away. Get your copy of Bens' 2004 Home Buyer's Guide by clicking here.

 
Don't waste your time and $$$ on over-priced roses this Valentine's Day!!!  Incredible flowers--not long-stemmed rip-offs, but beautiful (and affordable) flowers sent direct from Hawaii!
 
 
What's in your credit files? How do you know? Yeah-I've heard the faulty logic: "I get dozens of pre-approved credit card applications every month, so I must have great credit." Wrong, Einstein: Don't come cryin' to me if your file's loaded with credit crapola. Get to work and find out what's in your file-here's how.

It's time to wake up and check your FICO scores! I can't make it any easier for you, either.
Click here for some credit hand-holding from your pal Bennie... 


Since we're on the subject of credit scores, it's time to learn more about the inner-workings of that black hole known as the credit reporting bureaus: Get a digital copy of Ben's 1993 (#5) bestseller
Life After Debt on-line, right here. Here's how.....

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.....


Don't get suckered in by countless radio-commercial claims from car leasing companies out to hook you, wear you down...and beat you into an emotional (and maybe financial) pulp! Check out Ben's free Smart Car Seminar automotive acquisition tips
right here!

This is a no-brainer, and they're 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. 


Help Mom & Dad (or Grandma & Grandpa) do a little fancy financial footwork and allow them to live in their homes until they pass on without a mortgage payment...Or even pull a wad of cash outta the deal while they're at it! I've already done the research for you on reverse mortgages. Now it's your turn to help an older homeowner take advantage of this fantastic financial product. 


Still looking for a cool holiday, birthday (or other special occasion) gift that'll keep on giving, all year long? 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! 


Plan a getaway romantic weekend this year for Valentine's Day...it's only 23 days away!) Get more bang for your sleep away from the rest of the family buck...check out Ben's reliable, no-brainer choice for consistently affordable and competitively priced hotel room or condo deals: www.hotels.com. 


Diamonds are still a girl's best friend, something to remember with Valentine's Day coming up fast. Here's how to buy 'em right, and get maximum bang-for-your-buck: It doesn't matter where you live on the planet, I've got the absolute best, Internet-based resource for diamond rings, tennis bracelets...or even high-end watches like Rolexes. 


How deep are your pockets? Wanna get that significant other a Valentine's Day gift that'll even-up the gift-giving score for the next coupla years? Okay, so this one's not for everyone's budget...
 


Is getting right with the IRS on your list of New Year's Resolutions for '04? Don't even think about trying to make a deal with them on your own! Lousy advice could not only cost you dearly, it could really jack up your total tax bill...late fees, interest and/or fines can jump to levels that'll make you think about heading south of the border. If you've got some tax-related challenges, make 2004 your year 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.
 

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