Wednesday, April 22, 2015

"Doctor" Mehmet Oz: How a Snake Oil Salesman Devalues the Meaning of Freedom of Speech



I've been following the Dr. Oz situation as of late. If you'll recall, 10 doctors recently sent a letter to Columbia University calling for his dismissal based on his lack of credible scientific backing for the medical positions he often holds. This morning I see that on an upcoming episode of his show, Mr. Oz will fight back against critics who call him a fraud. I saw a clip of him "fighting back" and the general message went like this:

"I try to help people live healthier and yet some critics want to silence my freedom of speech."

It's tiresome hearing people claim their freedom of speech is being stifled, when in fact it's their platform that we want to stifle due to their misuse of that freedom. Freedom of speech is crucial to what we have in this nation, and that's why it's crucial that we exercise that freedom to call out people on their bullshit. I see someone like Mr. Oz as exercising his freedom of speech while simultaneously abusing it. He's not merely holding an outlying view on hotly debated topics or going against the grain of mainstream science or something. He's outright lying about the efficacy of medications he promotes, and he does this from a platform that he built around very noble things that he knows lend credibility to his voice: he's a doctor at a prestigious university, he offers health and dieting advice to the masses, he says he wants to help people live healthier lives, and he's got a TV show seen by millions. That platform has the potential to do so much good... and yet he uses it for no good at all. He isn't being paid to help the masses be healthier by promoting products to further that goal. Quite the contrary: he's being paid to promote products by people who want to sell products. He's a spokesman, and not a spokesman for the scientific or medical community or for people who want to lead healthier lives, but a spokesman for the business community. And while the businesses that develop products labeled as miracle cures for whatever, and that do not work for anything they claim, are not blameless in this, they sure as heck wouldn't last very long if not for a famous guy with a doctorate talking about them.

When someone jokes about a "used car salesman" we all know exactly the stereotype they're referring to because it's been burned into our minds that these folks are sleazy and will do anything to make a sale. And yet because "Doctor" Oz has a medical degree and works for a university and says he wants us to lead healthy lives he's perceived as something better than that stereotype. Sadly, he is worse... much worse. At least the car salesman who talks up the AM/FM radio in that old beater vehicle as if it's futuristic technology is talking about something real and isn't putting your life in danger when he exaggerates the importance of features. Mr. Oz just talks about whatever will sell his sponsor's products though, with just enough scientific mumbo-jumbo that everyday folks without medical degrees think he is providing them with valuable medical advice. We used to call them "snake oil salesman", but that term isn't as widely used as it was back when water was packaged in a bottle and promoted as a cure-all (although that still happens today... it's called homeopathy). But there are people out there who have real medical problems, or who want to take steps that will actually help curb their weight, or who need to know what medicine is truly proven to treat an ailment from which they suffer, and these folks shouldn't have to be doctors themselves to avoid falling prey to a salesman wearing a lab coat. He has the knowledge to know that the crap he talks about doesn't have any scientific basis and what makes him truly dangerous is that he's chosen to shun that knowledge in favor of keeping folks in just enough darkness that he can collect his fat paycheck while still being perceived as an actual doctor.

So I say this to "Doctor" Mehmet Oz: If the merits of what you speak about stood on their own you'd have an evidence-based defense to your position. You could point to each thing you've promoted and talk about the science that led you to the conclusion that it's "magic in a bottle" and was worth promoting full-blast from your podium. Instead you attempt to keep up the charade not even by giving us more of the pseudo-medicine you so dutifully practice, but by calling into question your critics' respect for Freedom of Speech. Know this Mr. Oz: Your critics aren't trying to quell your free speech and we aren't asking for your arrest, we'd just rather you don't use your disproportionately large platform to spread such misinformation under the guise that you want to help your audience. The only help you actually provide is to yourself and to your sponsors.

Saturday, February 1, 2014

Best credit card offer ever

I've received a variety of credit card offers over the years. Some offer rewards or cash back, there may or may not be an annual fee, and they usually tout a high single-digit or low to mid double-digit annual rate. I'm content with the card we have and the terms it provides so I've no need to seek out anything new, and as such I typically discard these credit card solicitations that arrive in the mail without so much as a second look. My husband, however, is a homemaker and often jests that more credit cards will make us rich, so he occasionally opens these and reads some of the terms just to see how rewarding it can be. Such was the case this past week when he received a stellar offer in the mail for a First Premier Bank Platinum MasterCard:


Judging by the large all caps "PRE-APPROVED" text at the top we assume this is an important aspect of the card they're offering. The $700 limit is also in large text because, hey, what good is a credit card offer that doesn't tell us how rich we'll be once we sign up? Our hopes began to wane slightly when we saw the asterisk after "pre-approved" and the double asterisk after the credit limit -- there always has to be a hitch I guess -- but the bank made a compelling sales point by pointing out that we can buy stamps with this card. As of late our primary financial woe has been affording stamps, and with the recent 3-cent stamp rate hike this offer couldn't have come at a better time. Let's read a bit further to make sure this benefit is as great as it seems.


We were saddened to read the text of the first asterisk because, while pre-approved was written large at the top of the document, it turns out we may not actually be approved for this card. The second asterisk also dampened our euphoria as we realized that the $700 limit would actually be just $525 after an annual fee was immediately levied upon issuance. We continued reading, however, because the $525 in stamp money that this card offers is more than the $0 we'd have if we don't take the card. Just how much more? Well, apparently not quite $525 either...


Since stamps are a crucial part of our everyday life we can't run the risk that one of us is running errands and can't make this extremely important purchase, so of course we'll need a second card. On the one hand these fees are really starting to add up. On the other hand we're only losing out on 59 stamps in order to get the second card. Given that we can still buy 1,012 stamps with the remaining $496 credit limit we were just about ready to sign on the X, but first we decided that we'd follow in the footsteps of every other person in the history of humanity who was weighing a decision to take on additional credit: read the schedule of fees. Everything looked good thus far so we took this as merely a formality, but given that us Americans are known for our entirely responsible use of credit we would feel unpatriotic not to do our part.


While we were initially put off by the $175 annual fee listed on the first page, our glee was reignited when we realized that's a first-year fee only. For subsequent years the annual fee is only $49. There's also a monthly service fee which totals $174 annually, but the bank is nice enough to waive it for the first year and then charge it in monthly installments of $14.50. If you're as good at math as I am then you'll see $14.50 is a much smaller number than $174, so I'll take that as a win. The cash advance fee of 5% is higher than competing offers we've seen, but since we intend only to purchase stamps we don't think that'll be a problem. Late payment fees shouldn't be an issue either since the responsible use of credit us Americans demonstrate also includes paying on time. You'd be hard-pressed to find an American who has ever made a late payment, and we're no exception. We're also not concerned with the foreign currency fee because, frankly, it'd be un-American to purchase something from another country.

All that's left is to review the interest rate to make sure it's in line with what we'd expect of what otherwise seems to be a top-quality credit card offer.


At first that number scared us a bit. I mean, that's three or four times higher than the typical interest rate on credit card solicitations we've received in the past. On the other hand the bank has "First" and "Premier" in the name and this card is platinum, so we understand that we'll have to make some concessions to be part of this awesome opportunity.

To be extra sure this is the right card for us, we made a list of pros and cons:


Well there you have it, the numbers don't lie: there are 50% more pros than cons. That number is higher than even the high interest rate, and for some reason that makes it clear this is a great offer. We ran this past our financial adviser, as do all Americans who are considering a new credit card, and he responded with enthusiasm:


It wasn't the enthusiasm we were hoping for, but there's a reason he's merely an "adviser." Thankfully we live in America where listening to hunches and gut feelings are a far more patriotic expression of our freedom than heeding the advice of experts and professionals, so we're about to be sleeping on pillows of USPS stamps in the very near future.