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Good Tuesday morning! 
Here's your weekly, always street-smart 
Dose of Dover
Still the single-most reliable source for un-common sense advice,
insights and cover-your-backside life 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 today's newsletter to everyone
in your Address Book!  [C'mon...be a big shot!]
Spread the wealth and share the word: Lots of eye-opening
information posted on our award-winning website.

Tuesday, September 2, 2003:
 
They cut what off?  (And no, Lorena Bobbitt wasn't involved in this one, either.)  Here's another reminder of the dangers that exist every time someone's admitted to the hospital.  This poor guy was permanently hacked up by a couple of doctors who decided to take matters into their own hands...and then proceeded to amputate his manhood.  Every guy out there reading this right now knows there is no amount of money that can ever fix this mess.
 
So why put yourself (or a family member of friend) into a position of weakness?  You've got a 1 in 5 chance of being victimized by medical malpractice the next time you stay in a hospital...the numbers don't lie...but you could die.  You can't afford to ignore these facts before you go to the hospital!  I've said this before and it's worth repeating: I have an enormous amount of respect for the medical community...a group of folks who are dedicated to saving lives and often working long hours, despite being woefully under-compensated for the risks they take. So don't misinterpret this story as an attack on doctors or nurses or the health care profession in general, because it's not.  
 
The bigger lesson here is one all of us can benefit from, whether you're dealing with a doctor, an insurance salesman or a stock broker: Anytime you're asking for advice from someone who could impact your world in a big way, you've got to check the work of the people you've chosen to trust when you're most vulnerable.
 
Ben's Bottom Line?

    1.
Always have someone backing you up. Always have a second set of eyes, where ever possible, checking the work of others...especially if you're in a hospital, a place that's full of germs, full of sick people, and full of people, period!

    2. If you or someone you love is ever kept in the hospital overnight, take copious notes! And check the work of the nurse...especially the overnight shift! They're human, they make mistakes, too. 

    3. And from my own personal experiences (months in the hospital as a result of my motorcycle accident) it seems like the folks working the overnight shift might not always be the best-and-brightest...so get someone to spend the night with you in your room if at all possible!

Here's an interesting bit of insight from a listener who heard me discussing this subject; personal insights and food for thought:

"Dear Ben: Add to your list of things to do in a hospital, or rather before going. Meet the residents, they will be the ones treating you, especially if going in for surgery. I went in for a surgery recently and the surgical residents, who actually handled the scalpel most of the time, the staples in my skin, and the post operative evaluation were the epitome of arrogant surgeons, without the skills to back it up.

What pulled me through some major complications was a relationship my wife developed with the Chief Resident, who made a special effort to come see me in the emergency room (that I had to go to instead of being home recovering) and read his residents (on duty at the time) the riot act for screwing up and putting me back into the emergency room. Then at rounds when I was readmitted to the hospital he was on the residents hard and made sure they knew what they were doing."

Wanna avoid doing yourself in by an accidental overdose?  Believe it or not, this is something you've got to be aware of, especially if you're taking multiple medications!  Check out this website...their mission is to help you track all of your medications!
 
 

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.

 

Nowhere is it written that you have to give them accurate information: 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...

 
 
Interest rates are going up, and it's (finally) turning a buncha "tire kickers" into home buyers!  With interest rates moving up, lots of folks are taking the plunge into home ownership.  This shouldn't be a surprise to anyone...read more about it right here.

 

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.....

Okay, so you're about to move, it's time to 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.....

Back to school shocker!  More schools are aggressively enforcing dress codes this year...for teachers: Dude, lemme see your piercings after school.  Call Mary Kay LeTourneau and read all about it here.
 
 
NostraDover strikes again!  This time the FDA echoes Ben's warnings about buying prescription drugs outside of U.S. borders: It's good to be first the first one to report a story, but it's even nicer to be right on target; the latest word from the Food & Drug Administration confirms concerns first reported on this website over 12 months ago.
 
 
It's a little too late for the Marlboro Man to cash in on this one, but the tobacco industry must be tickled with the newest health benefit for smokers!  Cost of a pack of cigarettes? $3  News that Medicare's gonna start paying for lung surgeries? Priceless...
 
 

 

If you do decide to cut the cable, or hook-up with satellite TV, the choice really is simple: First off, it's probably not as expensive as you think...and those satellite TV installers ["great service or else"] put the cable guy to shame.  Here's Ben's easy pick.....

Didja happen to miss the fastest (and most relevant) 2-hours in talkradio Sunday morning? Oops!  So did I!  Sleeping late?  Live outside of Southern California?  It doesn't matter: KFI canceled the show on Monday, June 23, 2003.  (Oh well...that's life in the post-1996 free-for-all world of consolidation.)  Check out KFI's new weekend line-up by clicking here.

You know you've got great credit because you keep getting all of those pre-approved, fat-credit line offers in the mail...right?  WRONG!!!  I've been tellin' you for years that you've got to be extremely aggressive when it comes to monitoring the information reported by the credit bureaus.  Now USA Today's Sandra Block confirms what your pal Bennie's been preaching...read all about it here.
 
Of course there's lots more great information about you and your credit reports, all free for the taking.....
 

 

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..... 

 
 
Wanna avoid wasting an extra 15 minutes (or more) because airport security people insist on tearing apart your baggage?  Then don't try to carry on your hand lotion!  Here's why.....

Time to get off your butt and start making travel plans for the Thanksgiving holiday weekend! (You're on the clock and it's now 96 days away): Stretch your travel budget and get your Thanksgiving or Christmas-time travel planning handled now. Check out Ben's no-brainer choice for hotel room or condo deals: www.hotels.com.  

 
 
What's worse than getting a digital exam as you're trying to get through airport security?  A similar level of scrutiny from our pals at the IRS!  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. 
 
 
Gas prices got you squirming yet?  Apparently not.  Experts predict prices will have to go a lot higher to force many of you into downsizing your rides.  Read more about it before you top off your tank.....
 
 
What's this? Chocolate might actually be good for you after all?  Here's a story you'll probably see re-surfacing around Valentine's Day.....
 
 
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.

Want 100,000,000 reasons why you're gonna know all about the latest prescription drug to become available over-the-counter?  The big Prilosec Push of '03 begins next week (fueled by $100 million Proctor & Gamble ad dollars) in anticipation of it's no-prescription-needed availability beginning September 15.  Pile on the extra jalapenos and read all about it here.....
 
 
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!
 
 
That tele-terrorist kinda shy about you rolling tape on your phone calls? In many states, it doesn't matter! Find out why you don't have to get their permission to tape your calls...Plus: Knowing when you've got leverage (and when you don't) when it comes to pulling the trigger on the bottom-feeders...And: American Airlines changes their policy and we're the winners!  Helping you cover your assets one cassette tape at a time, check out the latest, always informative and incredibly entertaining installment of Ask Benjamin Dover (September 4, 2003 edition) from The Dallas Morning News right here!

 


 
 
 

 

 

 
 

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