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With the official start of the holiday shopping season beginning Friday,
our consumer watchdog and un-common sense expert and Dallas
Morning News columnist Benjamin Dover joins us this morning
to try to prepare us for the onslaught at the malls.
Question #1:
What's the number one thing consumers should do the day after Thanksgiving?
Answer: Easy... stay
away from all of the cell phone stores. As I first
predicted last summer when it was announced that cell phone number portability
would become reality this week, there's alotta confusion surrounding this new
cell phone customer-empowering option. My
bottom line? If you're twisted off at your current cell
phone provider, waiting another month isn't gonna kill ya.
Trying to jump ship and take your number with you right now is a recipe for
disaster. Between the mass of interest surrounding this new option,
combined with no hard-and-fast rules on how long the change-over should
take--we've been hearing times quoted ranging from 2.5 hours to "a
day or two"...just chill.
Another reason to relax? I
think you're gonna see the knives come out in the next few weeks and the cell
phone companies are going to do their best to raid each other's clients by
offering all sorts of deals and enticement to jump ship.
Question #2:
So Ben if someone does jump ship, will they be able to use their same
telephone with the new cell phone company?
Answer:
Probably not. Even though your new cell phone provider may use a Nokia
phone model that's identical to the one you're using right now [for instance],
there's a good chance it won't work with your new company.
Question #3:
Why's that?
Question #4:
Okay, so we're gonna stay away from the cell phone stores--for now anyway.
What other advice do you have for shoppers as they begin the big shopping push
the day after Thanksgiving?
Answer: Two things quickly
come to mind...
Don't
waste your money on extended warranty service contracts:
Salesmen love to try to add these on because they're paid pretty nice
commissions on 'em. Frankly, most electronics are priced in such a way
these days that it probably makes most sense to roll the dice and take the bet
that your purchase--which is probably going to be a gift, anyway...so let the
recipient worry about service--the bet is that it won't break and if it does,
it's cheaper to buy a new one, anyway.
Make
sure you keep your receipts! Not only are more and more
stores really holding consumer's feet to the fire and making them show proof
of purchase, but alotta stores still print way too much information on those
receipts....like your name and full account number. There's movement in
Washington to make merchant credit card processing equipment block this
information, but it hasn't happened yet. And a receipt blowing across a
parking lot or laying on the floor of the Galleria can be just as dangerous as
the card itself in many cases.

It's finally here. Ben's 2003
Holiday Gift Picks List: Wanna
get a letter from the President? How about a sheet of uncut $1/$5/$10/$20
bills? Maybe you're at a loss for the perfect gifts for the woman in your
life. Maybe you've got someone on your gift list who already has
"everything....." Outta
the box solutions...all here and all $$$ affordability rated.....

Struggling with your monthly house payment? You
might not have to if you take this shot of Dover Mortgage-related Common
Sense! Especially for Texans (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.....

Diamonds are still a girl's
best friend. Here's how to buy 'em right, getting 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.

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! Interest rates are still
lower than they were a year ago, so
read what the big shots are saying about the future of those (still)
incredibly-low interest rates. And
since we're on the topic of good timing, 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! 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.

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: Ben's
no-brainer choice is Dallas-based 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.


Time to get off your butt and start making travel
plans for the lonnnnng Christmas holiday weekend coming up fast!
(You're on the clock and it's now 28
days away): Stretch
your travel budget and get your holiday travel planning handled now.
Check out Ben's no-brainer choice for hotel room or condo deals: www.hotels.com.

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 insights 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!

If you (or someone you know) is even remotely
thinking about joining some non-profit credit counseling service, hiring a
debt re-negotiation company or filing for bankruptcy, read this first:
Trust
me, you'll be more informed and a lot more grateful 10-minutes (or less)
from now.....

It's probably time you got that unfinished business
with your pals at the IRS handled for (hopefully) good: Tie
down those tax-related 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.

It's time to level the playing field!
Check out 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.

Got credit problems? (Know someone who does?) Wanna
know more about the inner-workings of that black hole known as the credit
reporting bureau? You can get a digital
copy of Ben's 1993 (#5) bestseller Life
After Debt on-line, right now. Read
how right here.....

Wanna buy your first home...or a bigger
home...or just re-finance? 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.


Why not be a hero this holiday season 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.

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!
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