Good
Tuesday morning! Here's your weekly,
amazingly street-smart
Dose of
Dover
Still
your most reliable source for un-common
sense advice, insights and
cover-your-back
side strategies you simply can't find anywhere
else.
Take
your best shot...try to put me out of a job!
How?
Make everyone a little lot
smarter:
Forward
this e-mail to everyone in
your Address Book!
[C'mon...be
a big shot!]
Spread
the wealth and share the word: Lots of eye-opening
Tuesday,
October 7, 2003:
"Keep doing what you're
doing and you'll keep getting what you're getting."
- Anonymous
There's something a
helluva lot worse than having your identity stolen! If you just
thought having someone leaching off your good credit name was
bad-wait until the cops throw you in jail! It's
the latest example of the bad guys getting badder...
Here's
what you need to do when the bad guys use your good name as
their alias.....
Wanna see your
doctor? How about join a gym or get a cellphone? Then get ready to
sign away your rights: The credit card companies
have been doing it for awhile-now everyone else is getting into
the act and bottom line is simple. Sign-away your right to sue or
hit the door...read
the rest of the story right here!
When is bad news good for you? When
fears about our economy's health result in dropping mortgage
rates-for the fourth week in a row!
Time to buy your first home...or
a bigger home...or just re-finance! Interest rates are STILL
at incredibly-low levels...so quit waiting on guessing the winning
6 Lotto numbers. 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.....
Oh boy-Big Brother's
coming to an airport check-in counter near you! NostraDover
covered it here first, read
all about the unveiling of the ultimate in post 9/11-database
mining projects designed to make our skies safer.....
Since
you're feeling safer about traveling now, it's about time you
got off your butt and start making travel plans for
the Thanksgiving holiday weekend! (You're on the clock
and it's now 61
days away): Stretch
your travel budget and get your Thanksgiving
or 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.
Now's
a great time to be in the market for a new set of wheels...but
don't get snookered by those radio-commercial claims from car
leasing companies that want to get you hooked, wear you down and
beat the 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.
Over 50 and love to
cash in on discounts available to your age bracket?
Got some bad news and one
less company that's sucking-up to America's graying
demographic.....
Speaking of the 50+ set...are Grandma and Grandpa
retired? Here's how to get 'em wired: Read
more about the latest application of Global Positioning System
technology, and how keepin' an eye on the older folks via remote
control is becoming a reality.
Enjoying the
declining prices at the gas pump? Don't get too carried away-in
fact now's the time to fill up...while you can:
Here's
why.
Love Oreos? The
official form of nourishment for charter members of the United
Heads For Hemp have gotta be pleased about Nabisco's expanding
product line: Here's
7 more reasons to grab a gallon of milk and a quick 3,000 calories
the next time you come down with the flu.....
Kenneth Lay. Dennis
Kozlowski. Kobe Bryant. Millions of Internet music thieves. Martha
Stewart (allegedly). Is this American rogue's gallery an
indication that more people are more accepting of cheating than
ever before? (Or maybe there's just better news
coverage?) Check
out a recent story from The New York Times and make the call.....
Do
you 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...
Credit card debts
and lawsuits push a former Wall Street investment banker over the
edge in the worst way: It's never that bad, folks.
I know...I've been there. Unfortunately for Richard Josephs and
his 8 year-old son, there was no other way out. It's
tragic and it's a fact of debt-laden life in the 21st
century I'm afraid.....
I hate stories like
this, because I know first-hand how vicious these bastards can be.
That's why 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.
From
the "you just thought they could be nasty" department;
some insights on the IRS' new commissioner:
According to a tax industry insider: "The
new IRS commish is a real hard liner. In documents that had
to be requested under the Freedom Of Information Act (FOIA),
the new commish has stated he's
going to do his best to eliminate the offer in compromise program.
It's also been documented from internal IRS memos (that also
had to be pried out via FOIA), that the new commissioner has
isolated and ostracized the congressionally mandated taxpayer
advocate department, and that they're not to be privy to any of
the of the IRS' internal information. It really looks
like he's a mad dog off the leash. In the future we see a
huge backlash against him, but it might take a few years for all
that to build up. The
IRS has a new focus in collections even if the taxpayer has
already completed and sent in their returns...and the IRS is
dragging its heels in processing returns right now; 6 month or
more is quite standard time for them to process older,
multiple-years of returns."
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 jack up your total taxes
owed, late fees, interest and/or fines 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.
