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Should You Finally Flush Your Cell Phone Company?
Maybe Not...Yet, Anyway: Here's Why!
Plus: Two Tips That'll Save Your Butt This Holiday Season
 
Air Date:    November 26, 2003
 
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?
 
Answer:    As I first reported in my column in The Dallas Morning News almost three years ago: "All cellular phones are loaded with software that makes them work specifically with the networks of the phone carrier that sold the phone into service in the first place."
 
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.
 
Close:    For all of Ben's tips covered this morning, as well as his 2003 Holiday Gifts Picks list that we'll talk about next week, check out his award-winning website at www.benjamindover.com, or you can always link over through our own www.khou.com. 

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.

Don't bite on those silly ads in the paper or on TV for jewelry that appears too good to be true.  Because it is!!! Looks like a severe case of bait-and-switch when you start comparing print/TV ads to the actual item offered in their stores!  You might want to use your head the next time you're shopping for jewelry, higher-end watches--even sports memorabilia!  Ben's easy pick?  No matter where you live, this is an easy choice: Dallas Gold & Silver Exchange.  Yes--you really can safely spend this sorta dough on-line...and with a company that's out to sell you jewelry--not financing!  Check 'em out for yourself at www.dgse.com.

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. 

'Tis the season to dig deep and give to the charity of your choice. Just make sure they're legit.  Check out my special section devoted to helping you make the best charitable choices this holiday season--or any time of the year.  Also included: My personal charities of choice for the 2003 holiday season.....

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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