October 13, 2025 • 40 mins
We kicked off the program with four news stories and different guests on the stories we think you need to know about!
According to LendingTree, 36% of Americans went into debt paying for holiday shopping last year, which can result in pushing off payments for credits cards and student loans. Money saving tips for not going into debt this upcoming holiday season and how to handle your money well.
Guest: Jack Wallace – Loan expert - the Director of Government and Lender Relations at Yrefy
The homebuying process, what's broken about it and the struggle millennials and younger generations are experiencing with trying to buy their first home.
Guest: Scott Harris - founder of Magnetic Real Estate & Podcast Host & author of new book: THE PURSUIT OF HOME: A Real Estate Guide to Achieving the American Dream
A NightSide listener, who is a Medway hairdresser, after experiencing hair loss of her own, decided to start making human hair wigs for others who also experience hair loss! Guest: Heather Fiatarone-Cohen - owner of b.LUXE Hair and Makeup Studio
A Small Plane crashed Monday morning on I-195 in Dartmouth, MA causing major traffic delays during the morning commute.
Guest: Dan Mazella - Operations Director for the Boston Hub of Total Traffic and Weather Network & traffic reporter
According to LendingTree, 36% of Americans went into debt paying for holiday shopping last year, which can result in pushing off payments for credits cards and student loans. Money saving tips for not going into debt this upcoming holiday season and how to handle your money well.
Guest: Jack Wallace – Loan expert - the Director of Government and Lender Relations at Yrefy
The homebuying process, what's broken about it and the struggle millennials and younger generations are experiencing with trying to buy their first home.
Guest: Scott Harris - founder of Magnetic Real Estate & Podcast Host & author of new book: THE PURSUIT OF HOME: A Real Estate Guide to Achieving the American Dream
A NightSide listener, who is a Medway hairdresser, after experiencing hair loss of her own, decided to start making human hair wigs for others who also experience hair loss! Guest: Heather Fiatarone-Cohen - owner of b.LUXE Hair and Makeup Studio
A Small Plane crashed Monday morning on I-195 in Dartmouth, MA causing major traffic delays during the morning commute.
Guest: Dan Mazella - Operations Director for the Boston Hub of Total Traffic and Weather Network & traffic reporter
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
It's Night's Eyes with Dan Ray. I'm going mazy Boston's
news Radio.
Speaker 2 (00:06):
Rob.
Speaker 3 (00:06):
Did Madison just say the Bruins lost today? I thought
we were gonna have the perfect season. You told me
they were gonna go eighty two and zero.
Speaker 2 (00:16):
What's going on? Rob? I'm he's I wow, this is
a terrible news for the Bruins.
Speaker 3 (00:23):
They're three and one. Oh, I think it goes the
perfect season. Hey, good evening, everybody. I'm having a few
laughs with Rob. Here joined the fun here on Nightside.
My name is Dan Ray, Rob and I hear every
Monday through Friday night from eight until midnight. We were
here last week from eight until midnight. We're gonna be
here this week, right Rob, between eight and till midnighte
and we'll be here next week from.
Speaker 2 (00:44):
No do you have said a vacation coming up? Business
around your time? The end of the month, Okay, the
end of the month.
Speaker 3 (00:49):
So you got me and Rob pretty much from most
of the month eight to midnight, Monday through Friday. Welcome
on in, everybody to another great week of Nightside. Fabulous
US news today in the Middle East that's going to
dominate our conversation tonight. And I hope some of you,
particularly those of you who perhaps are not the great
(01:10):
historical scholars that some that some of my other listeners are.
This is a huge story today in the Middle East
and in August very well for the lives of all
of us, not only Israelis and Godzin's and people in
the Middle East, but people around the world.
Speaker 2 (01:29):
And we will get to that.
Speaker 3 (01:30):
Will be talking with Jeff Robbins beginning at nine o'clock,
and I hope to talk to as many of you
tonight as possible. Also, I have to take a moment
tonight to wish all of you happy Thanksgiving. You're gonna say,
wait a sake, Dan, Thanksgivings not till November. Yes, America,
Thanksgiving is not to know till November. However, today it
(01:50):
is Thanksgiving. In Canada. They have a shorter growing season,
so therefore they celebrate kind of the end of harvest,
as which Thanksgiving in November for us is. It also
is a very pure holiday in Canada because Thanksgiving we
kind of turned from Thanksgiving and immediately thinking about Christmas,
(02:12):
which is going to segue to our first guest to
trust me, but folks in Canada really can luxuriate and
think about Thanksgiving and all of the all that they
have to be thankful for on this Thanksgiving Monday. So
for those of you who are listening to us north
of our border, to our Canadian friends, and I have
(02:32):
a Canadian friend or two living in the Boston area,
they're celebrating Thanksgiving Canadian Thanksgiving as well. So with that
said and done, I did promise that we would segue
to our first guest. His name is Jack Wallace. He's
a lone expert. He's the director of governmental and relations
(02:54):
at five Year five.
Speaker 2 (02:57):
Why are why? Why refly? Okay? I get it.
Speaker 3 (03:02):
I wish you'd spell these words out. I don't get anyway.
Why refry? Okay, I got it. According to lending Tree,
more than a third of Americans went into debt paying
for Christmas shopping last year, which, of course many of us,
(03:22):
whether we happen to be Christian and celebrate Christmas, many
people who are non Christians celebrate the holiday the end
of the year. There's more than Christmas as well. You
have New Years thrown in there. And so this is
our first I guess admonition, be as generous as your
means will permit to your friends and relatives, but don't
(03:44):
go all overboard.
Speaker 2 (03:45):
What's going on? Jack, How are you tonight?
Speaker 4 (03:47):
It's great to be with you again. Dan. It's hard
to believe that you and I have been interviewing each
other for thirty five years. It started back in the
day on TV in Boston and we continue today on radio.
So it's nice to be with you again.
Speaker 2 (04:05):
We were both we were both younger back then, Jack,
but I think we.
Speaker 4 (04:09):
Were young Chad Poles exactly.
Speaker 3 (04:14):
Now, that's okay, and we have faces for radio, simple
as that. So Jack exactly, First all think refresh my
recollection as to what is why REFI, why.
Speaker 4 (04:25):
R E F Y tell us, well, why Refin is
a specialty finance company that works with people that have
had a tough time in repaying their private student loans.
That's compared to federal student loans. And you know, we've
got about forty three million Americans with federal student loans,
(04:46):
a million of which lived in the state the Commonwealth
of Massachusetts. That know, thirty three billion dollars in debt
up there in Massachusetts at one point six trillion nationally.
But get to your point, it's very important, and there
was a guy back in the day Dan when we
(05:09):
were on TV, pauled Si Sims and he had a
great and it said exact an educated consumer was my
best is my best customer. And one of the things
that I've adopted over the years as I talked to
parents and students that are picking your college these days
(05:29):
with the cost of a higher education degree, is that
in the old days, when you and I went to school,
we picked a college we can get into. Now you've
got to pick a school that not only you can
get into, but the family can afford. And I think
that that same premise applies to your topic tonight with
regard to the holidays and having the ability to pick
(05:53):
fabulous presents for your family and friends. But remember, you
know you're going to have to pay the piper come
January when those credit card bills come in, So you know,
make sure you're an educated consumer and by presence that
you're going to be able to afford, yeah.
Speaker 2 (06:09):
By presents you can afford. And also I think sometimes.
Speaker 3 (06:12):
We really lose the meaning of certain holidays, and particularly
we talk about Christmas because that is the big spending
holiday for most Americans, you know, particularly those who happen
to be of Christian background who celebrate Christmas and you
can kind of get lost.
Speaker 2 (06:29):
I mean, Christmas is for kids, and.
Speaker 3 (06:32):
So you know, take care of your children as best
you can, your nieces and your nephews and all of that.
And then if there's a few few dollars left over,
and you know, you know what I'm saying, everybody wants
to be overly generous, but again, don't lose the spirit
of the actual.
Speaker 2 (06:52):
Day that we're celebrating. I'm I just think those are
two kind of kind of thing and a lot.
Speaker 4 (07:03):
Of guys that you and I know don't want to
grow up, so they still think they're kids, you know.
Number one and number two this you know your your
show is timely tonight because you know, we've got Halloween
and then you've got Thanksgiving and then you've got Haniker
and Christmas and Festivus if you're a Seinfeld fan and
(07:26):
you know, people, what amaze me in preparation for tonight's
show is that eighty six percent of Americas actually have
a budget, which I thought that number was a lot
lower than it is, and that guys are better than
girls in terms of maintaining those budgets. But the other
(07:48):
thing that is very interesting is that now is the
time to you know, readjust those budgets that you have
between what is discretionary spend and what is mandatory spending.
And so you know, you've got some bowl weather going
on up there today and yesterday and tomorrow, and the
(08:10):
headwinds that is going on up there, with the sixteen
mile an hour winds you got up there tonight, you know,
are going to come in January if you don't adjust
your budgets, you know, and you prepare properly to be
able to pay those bills when they come in in January.
Speaker 3 (08:26):
And I yeah, and I also think that there's a
lot of stuff out there that we buy that gets
disposed of as well, you know. So I mean just
I think that the word of caution as we as
we head into this holiday season. Everything's going great, you know,
in terms of the economy right now, but who knows
(08:46):
where it's going to be two or three months from now.
And you know, don't assume that there may not be
a blip here or a blip there, because there always
seems to be, and sometimes the blips are bigger than usual.
So you don't want to be caught in that situation either.
So you know, just stay within your means, have fun
with it. You'll still enjoy the holiday, the time off,
(09:06):
and the time with your family and friends.
Speaker 2 (09:08):
That's what's most.
Speaker 3 (09:09):
Important in my opinion, as well as if you happen
to religious, have a religious observation. You know, whether it's
Hankah Christmas, it doesn't matter. You know, take care of
that aspect of your life, and take care of the
aspect of your life with your friends and family and
spend time.
Speaker 2 (09:27):
Time is so much more important than simply.
Speaker 3 (09:30):
Gifts, which some of which will will be forgotten about
two days from the time they're given. Jack always great
to chat with you. You're so much fun to chat with.
And to think it's thirty five years, yikes, it's been
a while.
Speaker 4 (09:45):
Yep. Well, Dan, thanks for having me. And remember for
those million people that listen to you out there that
have student loans and the Commonwealth of Massachusetts, you know,
they haven't been making payments for the last couple of years.
So that's another thing that you got to factor into
your budgetary stuff, is that you know, those student loans
(10:07):
have got to be repaid even though the governments shut down.
Speaker 3 (10:09):
Yeah, and also the other thing is sometimes if you
do have some really huge credit card loans, because those
numbers are going up, you can think about consolidation. And
I assume that they can always talk with UH with
why Refine, Jack Wallace, the you know, just to get
some guidance. It doesn't hurt. What's the best way to
(10:31):
reach you? Is there the website for why Refine?
Speaker 4 (10:34):
The website, Yeah, why refine dot com is the best
place to.
Speaker 2 (10:38):
Get And so that's the letter y R E F
y UH dot com.
Speaker 3 (10:44):
It looks like an Eastern European person's name, Why Refine.
Speaker 4 (10:49):
Thanks very much the marketing department. Thanks stand and.
Speaker 3 (10:53):
Holidays, Merry Christmas, Happy Holiday, Happy, happy festival is happy everything,
and Happy Thanksgiving and again happy Thanksgiving to our Canadian listeners.
Speaker 2 (11:02):
Thanks Jack. Talk soon. All right, we get back.
Speaker 3 (11:04):
We're going to talk about another economic aspect here, and
I think it's important we do the economics in the
first part of the couple of hours, first two segments,
I should say, of this hour, and we're going to
talk about the home buying process, what's broken about it
and the struggle for millennials and younger generations to try
to buy their first home. We're going to talk with
Scott Harris. He is an author of a new book
(11:26):
called The Pursuit of Home, A real Estate Guide.
Speaker 2 (11:28):
To Achieving the American Dream.
Speaker 3 (11:30):
Get started as early as you can on this one, folks.
We'll be right back here on Nightside.
Speaker 1 (11:36):
It's Night Side with Dan Ray on w Boston's news Radio.
Speaker 3 (11:41):
Well, I think everybody knows that buying homes today is
very tough. The market has gotten pretty expensive. With This
is Scott Harris. He's written a book, The Pursuit of Home,
a real Estate Guide to Achieving the American Dream.
Speaker 2 (11:53):
He's also founder of.
Speaker 3 (11:54):
The Magnetic real Estate and podcast host. He's a podcast hosts.
As I mentioned, Uh, Scott, what's going on? I've been
reading some articles which which are telling me that that
the market is slowly but surely switching from a sellers
market to a buyer's market. There's more homes coming available
(12:16):
and prices are dropping a little bit. Is that what
you understand to be the situation as well?
Speaker 5 (12:22):
Hey Dan, thanks for having me. Well, you know, it depends.
I'm based. My real estate business is in New York City,
which sometimes operates it operates a little differently than other markets,
so it's it's hard to give one size fit fits
all answer. But certainly as mortgage rates are coming down,
sellers are a little bit more optimistic that there. You
(12:44):
know that there's going to be you know, a lot
more buyers who can afford their properties. And of course
in the suburbs, you've got plenty of situations where a
property comes on and everybody jumps at it. So it's
it's bound to just be a healthier market than what
we've seen over the last few with interest rates being higher.
Speaker 3 (13:01):
Yeah, well, if New York Alex Mandami, you'll have a
lot of people leaving New York.
Speaker 2 (13:05):
He lost a lot of real estate in the market.
Speaker 3 (13:07):
I'm not sure you want to live there with with
a socialist running the city.
Speaker 2 (13:11):
So what advice would you have to buyers? I mean,
a lot of young people.
Speaker 3 (13:14):
In their twenties and their early thirties, they want to
settle down, They're tired of renting.
Speaker 2 (13:19):
What's what's their.
Speaker 3 (13:21):
Best play other than you know, perhaps buying the book
The Pursuit of Home, A Real Estate Guide to Achieving
the American Dream.
Speaker 5 (13:28):
Well, the advice that I give first time home buyers
it's it's often, for a second there, stop focusing on
what mortgage rates are. Stop focusing on how much inventory
or how little inventory there is, and take a minute
to really fill out create a vision for what you
(13:48):
really really want and get clear you get if you're
if you're buying a home with a with a spouse,
with a partner, which is about seventy percent of all
home buyers, take the time to really sit down with
your partner and talk about what is it that you
would both love. And when you do that, you start
to it changes the conversation. It becomes a little bit
(14:10):
more of a vision driven conversation. And then I recommend
that you go and interview real estate agents. Okay, I
mean Dan, The problem is that people don't spend enough
time finding somebody that's a real partner for them.
Speaker 3 (14:25):
Well, that is such great advice because, first of all,
if you're buying a home, can almost be a full
time job, because the mistake that you make or the
great home that you find that is undervalued is either
can cost you more money than intruder or can save
you a substantial amount of money.
Speaker 2 (14:46):
So you got to look at it.
Speaker 3 (14:47):
It's you're not talking about going to the store and
to the you know, to the grocery store. You're talking
about a huge commitment, probably with the mortgage of anywhere
from fifteen to thirty years and uh and in this
day and age, is going to it's going to cost
you a lot of money. But it's also the most
the most important investment you'll ever make in your life,
(15:08):
because most people who buy homes make money when they
go to sell them after a certain period of time.
Real estate in this country has a great market, has
a great tradition of going up. I'm sure you would
be an apostle of that that gospel.
Speaker 5 (15:28):
Oh sure. The what I've found, Dan, is that people
spend more time planning a weekend vacation than they do
preparing to buy, Like you said, one of the most
important making one of the most important decisions of their lives.
And I really encourage home buyers to take a step
back and interview it's it. It becomes a little bit
(15:52):
awkward sometimes, right because you're you're you're you've got a
family friend who's in real estate, or maybe you're close
your own close friend in real estate. But at the
same time, maybe they're just not the right match for
what you need. Maybe you're a person that needs a
certain type of communication, and that agent just can't give
it to you. Even if they're supposed to be, you know,
(16:13):
really great, they may not be great for you.
Speaker 2 (16:16):
Yeah.
Speaker 3 (16:16):
The other thing to really and the other thing true
i'd suggest is when you get a real estate agent,
don't sign some sort of a six month commitment or
a three month commitment with the real estate agent. Just
say to the real estate agent, hey, look, as long
as you're showing us good properties that are value, we're
going to keep you. But when all of a sudden
you stop doing that, we're going to find someone else.
(16:38):
I mean, the real estate agent wants your business because
they're going to make three, four, five, maybe six percent
on the sale of the home. You're a big ticket item.
Don't allow them to take you for granted and lock
you up for six months.
Speaker 5 (16:54):
Right now, Dan, there's there's been a big change in
the real estate market, which some people probably know about,
where you have to sign what's called a buyer representation agreement.
And like you said, you may not want to commit
yourself to one agent just in case that person. Maybe
you're looking in different neighborhoods, different towns, or maybe you
just want to give it a shot at first. And
(17:15):
see how you like this person. You can do You
can sign a buyer representation agreement where it's property one
property at a time, which is a little bit more
paperwork to sign back and forth. But ultimately you're going
to find someone that you really like and trust, that
you really feel has your best interest at heart, and
that person is going to find you a home you love.
But it's worth taking a little bit more time being
(17:37):
a little more intentional about your process.
Speaker 3 (17:40):
I remember when we were in the process of buying
homes and when I was single, I was trying to
buy a condominium. I remember that at that time, for
some reason, every real estate agent who I talked to,
all they wanted to do was tell me about closet space.
And I didn't have that much stuff at that point
in my life to even need the closet space. It
was like, I was looking for a place that I
(18:01):
can get a parking space and a view of somewhere.
And you've got to make sure that they understand what
your priority is, okay, and not be a priority. You're
the one that's going to live in that house. You're
the one that's going to buy that house and live
in that house for some period of time, they're.
Speaker 2 (18:17):
Going to be there at the closing and you may
never see them again. So how can folks get the book?
Speaker 3 (18:24):
I assume The Pursuit of Home, a Real Estate Guide
to Achieve the American Dream is available on Amazon bookstores.
Speaker 2 (18:33):
I'm I'm sure you will highly recommend it.
Speaker 5 (18:37):
Yes, wherever you buy books, you can find it. And
if you want to get some of the free resources
that are in the book, you can also visit pursue
your Home dot com which has you can buy the
book straight from there, and you can also find all
of the different resources that are on offer, which is
a whole bunch of different assessments and also a bunch
(19:00):
of tools to help you identify what really is important
to you in that home that you want to buy.
Speaker 3 (19:04):
Sounds great, Scott, And good luck with that Mayo race
coming up in New York.
Speaker 2 (19:10):
Thank you very much. Good luck with that line, all right. Thanks.
Speaker 3 (19:14):
When we get back, we're going to talk with a
Medway hairdresser. She tells us she's a nightside listener, which
makes me like her a lot already. Uh, and she
experienced some hear loss and has now decided to start
making human hero wigs. For others who have experienced hear loss.
We will talk with this very interesting, amazing woman right
(19:35):
after the break at the bottom of the hour here
in Nightside.
Speaker 2 (19:37):
News is next the big news day.
Speaker 3 (19:39):
We're going to start talking about that right after the
nine o'clock news back on Nightside after this.
Speaker 1 (19:45):
Night Side with Dan Ray. I'm Boston's news Radio.
Speaker 3 (19:51):
All right, let us now move on, and I am
delighted to introduce Heather and Heather.
Speaker 2 (19:59):
I hope I'm going to get this correct correctly.
Speaker 5 (20:04):
Uh.
Speaker 6 (20:04):
Fiat Toroni Siattroni is my maiden name. My married name
is Cohen. But I'm fine with either.
Speaker 3 (20:11):
I could, I could do. No, I'll put them together,
Heather fiat Roni Cohen, no problem.
Speaker 6 (20:17):
Uh, and much easier.
Speaker 2 (20:18):
Yeah. I know that. Yeah, great decision. Uh.
Speaker 3 (20:22):
But you're the owner of a beauty salon for hair
and makeup studio in Medway. I know where Medway is
called b uh Lux, but it's it's b the lowercase
B period and then capital l u x e b lux.
Speaker 4 (20:38):
Uh.
Speaker 6 (20:38):
That's correct.
Speaker 2 (20:39):
And you have had a personal experience.
Speaker 3 (20:42):
You're a young woman, uh, and you were dealing with
a medical situation that caused you to lose some hair, uh,
and you have started to help other women, and I
guess men, uh, And if I'm being presumptuous there, tell me.
I assume that it's a problem that that either gender
can can deal with it, and you've decided to start
(21:03):
making human hair wigs for others.
Speaker 2 (21:06):
So, first of all, how difficult is it to make
human hair wigs?
Speaker 6 (21:12):
Tod Yeah, It's time consuming obviously, So I would say
the majority of my wigs, about eighty percent of the
ones that I do, I call them canvas pieces, So
they come to me about seventy percent done, and at
that point I can then customize the hairline, the hair texture,
whether your hair is curly or straight, and match the
(21:32):
color exactly. So whatever you had before your hair loss,
I can recreate. I do have some clients where their
customization is a little bit more complex, and I will
have to do the wigs start to finish. I try
my best to use a canvas piece that I can
kind of go in and customize because the weight time
is much shorter, and when you're dealing with hair loss,
(21:53):
you don't want to be without your hair for very long, so.
Speaker 3 (21:57):
Without you know, impose on your personal situation. You had
a condition, which hopefully you're doing well now that and
have dealt with that, but you needed.
Speaker 2 (22:12):
To get.
Speaker 3 (22:14):
A wig yourself, so you mate, that's how you kind
of came to this situation, as I understand it correct exactly.
Speaker 6 (22:21):
I've been a hairstylist for thirty years and during that time,
many of my clients would ask me about wigs, whether
they had a family member or a friend who was
going through a medical treatment or had alopecia, and I
would never know where to send them. So it really
wasn't on my radar until I was diagnosed with rheumatoid
arthritis about four years ago, and the treatment that they
(22:42):
put me on caused hair thinning and some hair loss,
and I just kind of figured it wasn't that big
of a deal.
Speaker 5 (22:49):
I could fix it.
Speaker 6 (22:49):
Because I was a hairdresser. And what I realized very
quickly was there were not a lot of options out there.
I could buy a wig in a box, or I
could go into a wig store, but they couldn't recreate
what I had. They couldn't recreate the color or the
style or the density, and it just looked like a
wig when I put it on, So I just thought
(23:11):
there has to be a better way. And I spent
about a year and a half destroying wigs, ripping them apart,
trying to figure out how they were constructed. And when
I finally made my first piece and customized it to me,
I just couldn't believe the difference. When I put it on,
I felt like back to normal again, and I realized
that there were so many people out there that were
(23:33):
probably dealing with hair loss as well, and I could
help them.
Speaker 3 (23:37):
Now.
Speaker 2 (23:37):
One of the things this is not something that you're
doing for free, but one of the things that did
you've discovered in this process, as I understand it, is
that when it's related to a medical condition, some insurance
policies cover this. Correct.
Speaker 6 (23:54):
Yes, so it's called a cranial prosthetic when you're using
it for a medical reason, medically necessary. All health insurance
companies are different. So I do encourage anybody who is
dealing with hair loss, whether it be through a medical treatment, cancer,
medication side effects, to contact your insurance company to find
(24:16):
out if you do have a cranial prosthetic benefit, and
then at that point you can discuss it with your
medical team, your doctor, and they can actually write you
a prescription for a cranial prosthetic. And I have a
special qualification where I'm able to write what's called a
statement of reimbursement, so I can help my clients through
(24:38):
that insurance reimbursement process.
Speaker 3 (24:41):
Now again, I'm curious about this. When you're talking about
a you know, a standard wig, but at the quality
that you want, how expensive is it? And what do
some insurance companies do realistically? I mean, I'm just trying
I make people who are listening, you know, save you
(25:03):
the aggravation of telling twenty people tomorrow, give us an
idea about what a what a you know, full wig
for a person would cost, and then how do the
insurance companies treat it, the ones who are willing to
view it as some sort of you know, a cranial prosthetic.
Speaker 6 (25:22):
Yeah, absolutely no aggravation at all. I love talking about wigs,
so please anyone who's listening ask me all the questions.
But typically a human hair wig can cost anywhere from
one thousand to four thousand dollars. Typically the cost associated
with it it's really the length of the hair. So
the longer you go with the hair, the more expensive
it becomes. And in my experience. I've seen health insurance
(25:45):
companies cover three hundred and fifty dollars up to eighty
percent of the total cost of the wig.
Speaker 1 (25:52):
So it really.
Speaker 6 (25:53):
Runs the gamuture. And that's why I always say, just
check in with your insurance company. They're super helpful. They'll
be able to tell you if you do have a
wig benefit and what that benefit usually looks like.
Speaker 2 (26:05):
And then the question which is in the back of
my mind here, and that is how when you say
a human here wig, I assume that means actually human.
Speaker 6 (26:15):
Hair it does. You need to be very careful, like
if you're buying something online, just because it says human
hair doesn't necessarily mean that it is. But all of
my wigs are one human hair.
Speaker 3 (26:28):
Yes, So then the question is do you have a
source where you actually call up and say, hey, I
need some auburn human hair, or I need brown human
or black human hair?
Speaker 4 (26:39):
Is that yes?
Speaker 5 (26:40):
Yes?
Speaker 6 (26:41):
So hair, human hair or hair made for wigs comes
from three main sources. One is what we call Indian
temple hair, and this is hair where people will donate
their hair to their temple. It's a religious ceremony. I'm
not super well versed on it, but the temple then
sell the hair to hair brokers and then that money
(27:03):
is used like with their community outreach. Hair is also
a commodity, so it's bought and sold, so people do
sell their hair. And then the third source of human hair,
and it's not a source that I use, but I
do just want to say, if you know, there's no
shame in it at all, it's it's the most cost
(27:23):
effective would be what's called drain hair or floor hair.
So drain hair, it's kind of exactly what the name says.
It's hair that's kind of collected and sorted out and cleaned.
It's sanitary. The issue with that is you can't guarantee
the quality of it and the hair cuticle they're not
always aligned, so that that hair usually is very weak
(27:46):
and tangles very easily. So the two main sources of hair,
I have two vendors that I work with, and I
know the hair is ethically sourced. It's Indian Temple hair
or hair that has been purchased from a donor.
Speaker 2 (28:01):
I've learned a lot in this segment. Heather.
Speaker 3 (28:04):
Again, if folks want to get in touch with you, uh.
Speaker 2 (28:07):
The website is always the best. If you have a website.
Speaker 6 (28:11):
Absolutely, it's b as in boy Lux dot com, b
lux dot com.
Speaker 3 (28:16):
No, no, no period or comma or anything like that,
b l u XI and not upper lowercase sensitive.
Speaker 6 (28:28):
No, just just blux dot com.
Speaker 4 (28:31):
Yep, exactly b l u xy.
Speaker 3 (28:33):
Well, Heather, thanks very much. It says here that you're
a night side listener and again it's true. Thank you
very much and delighted that we could help you out
and hopefully help out some folks who are dealing with
what might be a temporary situation and uh and you
can keep you can help them along the way of life.
Speaker 6 (28:51):
Thank you so much, Thank you so much for having me.
Speaker 2 (28:54):
Very welcome.
Speaker 3 (28:55):
Heather Cohen, the owner of b Lux blux dot com,
b l uxe dot com. If you're in need of
a wig and you're in the MetroWest area or further away,
give a recall. She sounds like a really nice lady.
And we come back on and talk about a tough
story today, the biggest news story at least in Massachusetts.
That's a small plane that I'm out of New Bedford
(29:16):
crash today Monday morning on I one N in Dartmouth,
taking the lives of Middlesex, Middleton, Rhode Island a couple.
We'll be back going to talk with Dan Mazzella. He's
the operations director for Boston Huff of Total Traffic and
Weather Network.
Speaker 2 (29:32):
Right after the break, It's.
Speaker 1 (29:34):
Night Side with Dan Ray. Hey, Dan Boston's News Radio.
Speaker 7 (29:39):
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Speaker 5 (30:40):
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Speaker 1 (30:44):
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Speaker 8 (30:45):
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Speaker 5 (30:48):
Not a good time for jokes, Randy.
Speaker 8 (30:50):
It's Drains by James. You've heard the commercials always the
solution for home and business clog pipes and drains as
well as pipelining repair.
Speaker 2 (30:58):
Okay, online Drains by James dot com.
Speaker 8 (31:01):
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because at Drains by James, Honey.
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They give a poop about your pipe.
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Speaker 10 (31:37):
If you were construction and have been hurt on the job.
I totally understand your pain because I was too.
Speaker 2 (31:42):
Hi.
Speaker 10 (31:43):
I'm Sean Flaherty, Managing partner at Catches Law Group. Before
I became a lawyer, I worked in construction until my
work accident. Once I recovered, I went to law school
and now I represent people who were hurt on the job.
Catches Law Group has worn over two billion dollars for
our clients, and you pay nothing unless we went contact
us to set up a free consult and learn more.
Speaker 1 (32:04):
Catch us law dot com. You're on Night Side with
Dan Ray on WBZY, Boston's news radio.
Speaker 3 (32:14):
All right, welcome back everybody, as we head to our
fourth topic tonight.
Speaker 2 (32:19):
This is a tough one.
Speaker 3 (32:20):
There was a small plane crash this morning, a little
after eight o'clock down in Dartmouth with us as Dan Mozilla.
He's the operations director for the Boston Hub of Total
Traffic and Weather Network traffic reporter. You hear them all
the time, Dan Mozilla, Welcome back to Night's at.
Speaker 2 (32:33):
How are you hey, Dan?
Speaker 11 (32:35):
Longtime no talk?
Speaker 3 (32:36):
Yeah, a couple of months now. Maybe this was a
tough one today. Small plane a couple lot of Middleton,
Rhode Island. I guess we're on their way somewhere to Wisconsin.
They took off tough weather conditions. Sounds like they were
in trouble right away and they were trying to get
back to the airport.
Speaker 2 (32:54):
Didn't quite make it, tell us about it.
Speaker 11 (32:56):
Yeah, So after the takeoff, believe they weren't even in
the air for like a minute, and then unfortunately the
plane went right down on to one ninety five down
in the Dartmouth stretch. So because it landed in the median,
it actually skimmed another car and they had to shut
the highway down both directions, and from the reports that
(33:18):
I was here in earlier, people thought, you know, I know,
we're in October, and everyone thought it was very, very
eerie that the highway was shut down and folks had
to get off at Route one forty to get around this.
They had to jump down to Root six and then
that just became a nightmare. The weather was terrible today
and it was just a perfect disaster. It was a holiday,
(33:41):
so not many people were on the road, which silver
lining that is a good thing, but you know, unfortunately
it closed the roads down for for hours on end.
They just reopened it around like three or four o'clock
and then they still have the left ling taken on
the east spound side where all this is happening, because
(34:02):
they're still doing the investigation right now.
Speaker 2 (34:05):
Do they they've identified the couple as I understand it, Yes,
from from Middleton, Rhode Island. Do we know why they
were heading off? I believe they were heading to Wisconsin.
That's a that's pretty long flight.
Speaker 11 (34:22):
Yes, I mean it's it's one of those things where
I also believe they didn't submit from the reports that
I've been seeing, they they didn't. They didn't submit a
flight plan, which is kind of odd, and so I'm
not sure why Wisconsin was the destination. But I mean,
I mean, in a small plane like that, you have
(34:43):
to make some other stops, most likely to land and
fuel up. So I'm sure Wisconsin was the ultimate destination.
But I'm pretty sure they had to have They would
had to have landed somewhere else to refuel. As to
why they were going to Wisconsin, I'm still not familiar
with that answer right now.
Speaker 3 (35:03):
I watched the news tonight and I saw that the
plane had, you know, basically broken up upon landing in
the on the Median Strip. Now it's rained a lot
the last twelve hours or maybe twenty four hours. I
guess now it's twenty four but as of this morning,
probably had rained for about twelve hours, so I assumed.
Speaker 2 (35:24):
The landing strip, the median strip was pretty soggy. It
looked to me as if the plane might have flipped
over when it landed. Yep, could have. The condition of
the ground would have they had more more chance of survival.
Speaker 3 (35:40):
If if this accident occurred last week, before this huge
rainstorm hit, it just sounds to Anthony ground.
Speaker 2 (35:47):
Was probably pretty soft and that's what proceeded to flip over.
Am I am? I Am? I speculating way too much?
Speaker 11 (35:55):
I would say just a little bit. The only thing
that I would say to that is with the ground
being whey, and you know all medians, if you've ever
looked at a median, it's kind.
Speaker 2 (36:06):
Of a ditch, right.
Speaker 11 (36:09):
It's it's designed for that reason, not only for water runoff,
but also if there if a car does go off
the road, the likelihood of it going over to the
other side is there's still a chance. But because of
the design, it makes it go into the ditch. So
with the plane going down and going into the median,
(36:31):
I will say that that's probably the best place for
this to happen. Unfortunately, because if it went all over
the road, more cars would have been damaged, we would
have had more loss of life most likely. So the
fact that it went right into the ditch in the
median is saved, saved a lot of lives. The person
(36:51):
who the person who was in the car was able
to go home at the end of the day, So
that just shows you. I mean, we don't know what
kind of a pilot whoever was flying at one of
the two. I know it was a married couple. Whoever
was flying at him or her going right into the
(37:12):
median was the lesser of all the evils.
Speaker 3 (37:17):
My understanding is that the pilot was the men and
that I heard him referred to grece I say that
and said that he was a very experienced, a well
known pilot within the Rhode Island community. So I know
nothing more about you know, whether they was they were
described as sixty eight and sixty six years of age,
(37:39):
whether they had retired or whether they were.
Speaker 2 (37:43):
No why no information.
Speaker 3 (37:44):
I'm sure that more information will come out, but no
idea as survivors, family members, there are probably a lot
of people are an island tonight, who are you know,
very you know, sad at the loss of friends, relatives,
who knows, maybe parents.
Speaker 2 (37:58):
I mean, it's these stories, Dan, just horrible.
Speaker 3 (38:00):
They're they're terrible because we look at it and we say, well, no,
it's sad and all of that, but it's a real
human tragedy because for people tonight it is really hurting
over the loss of this couple.
Speaker 11 (38:12):
And you know, the size of the plane is you know,
if you look up to make it model, it's it's
a single engine TB seven hundred and that that isn't
you know, the biggest of planes is not the smallest
of planes. But you know, still if you've ever been
in one of those planes, you hear everything that goes
on around you. You got to have like, you know,
(38:33):
the the headphones on with with the microphone kind of
like how you and I do our job.
Speaker 4 (38:38):
Dan.
Speaker 11 (38:39):
It's it's pretty much like that the whole time up there.
It's it's not you know, going to low gain and
gain on a different flights like a commercial flight.
Speaker 2 (38:49):
So it especially with the weather.
Speaker 11 (38:51):
Today, it was it was a bumpy ride and it
turned into a tragedy.
Speaker 3 (38:56):
No doubt Damn Mozela is always so great to talk
to you. As they say, when you and I have
our headsets on, we can crash a radio show or
a or a traffic or weather report. But these poor people,
you know, lost their lives and hopefully there was no
suffering involved, and hopefully our thoughts and praierser with the survivors,
(39:16):
family members and friends of this couple from Rhode Island.
Dann Mozella. Next time we'll talk, it'll be on hopefully
in a better topic.
Speaker 11 (39:22):
Okay, thank you, Ma, crossing my fingers and my toes.
Speaker 2 (39:26):
All right, thanks Dan, talk to you soon we get back.
Speaker 3 (39:28):
We will talk about a great news story and that
is what transpired in the Middle East today, the release
of twenty hostages alive, the remains of four returned home.
Speaker 2 (39:40):
But this may open a door for genuine peace in
the Middle East. I want to talk about it.
Speaker 3 (39:47):
We're going to talk about it with Jeff Robbins, who's
been a guest in this program on this topic, this
very topic, and I want to hear from you if
you'd like to join the conversation.
Speaker 2 (39:56):
Let's celebrate.
Speaker 3 (39:57):
This is one that has actually is work six one, seven, two, five,
four ten thirty six, one seven nine three one ten
thirty back right after the nine o'clock news on night
Side
It's Night's Eyes with Dan Ray. I'm going mazy Boston's
news Radio.
Speaker 2 (00:06):
Rob.
Speaker 3 (00:06):
Did Madison just say the Bruins lost today? I thought
we were gonna have the perfect season. You told me
they were gonna go eighty two and zero.
Speaker 2 (00:16):
What's going on? Rob? I'm he's I wow, this is
a terrible news for the Bruins.
Speaker 3 (00:23):
They're three and one. Oh, I think it goes the
perfect season. Hey, good evening, everybody. I'm having a few
laughs with Rob. Here joined the fun here on Nightside.
My name is Dan Ray, Rob and I hear every
Monday through Friday night from eight until midnight. We were
here last week from eight until midnight. We're gonna be
here this week, right Rob, between eight and till midnighte
and we'll be here next week from.
Speaker 2 (00:44):
No do you have said a vacation coming up? Business
around your time? The end of the month, Okay, the
end of the month.
Speaker 3 (00:49):
So you got me and Rob pretty much from most
of the month eight to midnight, Monday through Friday. Welcome
on in, everybody to another great week of Nightside. Fabulous
US news today in the Middle East that's going to
dominate our conversation tonight. And I hope some of you,
particularly those of you who perhaps are not the great
(01:10):
historical scholars that some that some of my other listeners are.
This is a huge story today in the Middle East
and in August very well for the lives of all
of us, not only Israelis and Godzin's and people in
the Middle East, but people around the world.
Speaker 2 (01:29):
And we will get to that.
Speaker 3 (01:30):
Will be talking with Jeff Robbins beginning at nine o'clock,
and I hope to talk to as many of you
tonight as possible. Also, I have to take a moment
tonight to wish all of you happy Thanksgiving. You're gonna say,
wait a sake, Dan, Thanksgivings not till November. Yes, America,
Thanksgiving is not to know till November. However, today it
(01:50):
is Thanksgiving. In Canada. They have a shorter growing season,
so therefore they celebrate kind of the end of harvest,
as which Thanksgiving in November for us is. It also
is a very pure holiday in Canada because Thanksgiving we
kind of turned from Thanksgiving and immediately thinking about Christmas,
(02:12):
which is going to segue to our first guest to
trust me, but folks in Canada really can luxuriate and
think about Thanksgiving and all of the all that they
have to be thankful for on this Thanksgiving Monday. So
for those of you who are listening to us north
of our border, to our Canadian friends, and I have
(02:32):
a Canadian friend or two living in the Boston area,
they're celebrating Thanksgiving Canadian Thanksgiving as well. So with that
said and done, I did promise that we would segue
to our first guest. His name is Jack Wallace. He's
a lone expert. He's the director of governmental and relations
(02:54):
at five Year five.
Speaker 2 (02:57):
Why are why? Why refly? Okay? I get it.
Speaker 3 (03:02):
I wish you'd spell these words out. I don't get anyway.
Why refry? Okay, I got it. According to lending Tree,
more than a third of Americans went into debt paying
for Christmas shopping last year, which, of course many of us,
(03:22):
whether we happen to be Christian and celebrate Christmas, many
people who are non Christians celebrate the holiday the end
of the year. There's more than Christmas as well. You
have New Years thrown in there. And so this is
our first I guess admonition, be as generous as your
means will permit to your friends and relatives, but don't
(03:44):
go all overboard.
Speaker 2 (03:45):
What's going on? Jack, How are you tonight?
Speaker 4 (03:47):
It's great to be with you again. Dan. It's hard
to believe that you and I have been interviewing each
other for thirty five years. It started back in the
day on TV in Boston and we continue today on radio.
So it's nice to be with you again.
Speaker 2 (04:05):
We were both we were both younger back then, Jack,
but I think we.
Speaker 4 (04:09):
Were young Chad Poles exactly.
Speaker 3 (04:14):
Now, that's okay, and we have faces for radio, simple
as that. So Jack exactly, First all think refresh my
recollection as to what is why REFI, why.
Speaker 4 (04:25):
R E F Y tell us, well, why Refin is
a specialty finance company that works with people that have
had a tough time in repaying their private student loans.
That's compared to federal student loans. And you know, we've
got about forty three million Americans with federal student loans,
(04:46):
a million of which lived in the state the Commonwealth
of Massachusetts. That know, thirty three billion dollars in debt
up there in Massachusetts at one point six trillion nationally.
But get to your point, it's very important, and there
was a guy back in the day Dan when we
(05:09):
were on TV, pauled Si Sims and he had a
great and it said exact an educated consumer was my
best is my best customer. And one of the things
that I've adopted over the years as I talked to
parents and students that are picking your college these days
(05:29):
with the cost of a higher education degree, is that
in the old days, when you and I went to school,
we picked a college we can get into. Now you've
got to pick a school that not only you can
get into, but the family can afford. And I think
that that same premise applies to your topic tonight with
regard to the holidays and having the ability to pick
(05:53):
fabulous presents for your family and friends. But remember, you
know you're going to have to pay the piper come
January when those credit card bills come in, So you know,
make sure you're an educated consumer and by presence that
you're going to be able to afford, yeah.
Speaker 2 (06:09):
By presents you can afford. And also I think sometimes.
Speaker 3 (06:12):
We really lose the meaning of certain holidays, and particularly
we talk about Christmas because that is the big spending
holiday for most Americans, you know, particularly those who happen
to be of Christian background who celebrate Christmas and you
can kind of get lost.
Speaker 2 (06:29):
I mean, Christmas is for kids, and.
Speaker 3 (06:32):
So you know, take care of your children as best
you can, your nieces and your nephews and all of that.
And then if there's a few few dollars left over,
and you know, you know what I'm saying, everybody wants
to be overly generous, but again, don't lose the spirit
of the actual.
Speaker 2 (06:52):
Day that we're celebrating. I'm I just think those are
two kind of kind of thing and a lot.
Speaker 4 (07:03):
Of guys that you and I know don't want to
grow up, so they still think they're kids, you know.
Number one and number two this you know your your
show is timely tonight because you know, we've got Halloween
and then you've got Thanksgiving and then you've got Haniker
and Christmas and Festivus if you're a Seinfeld fan and
(07:26):
you know, people, what amaze me in preparation for tonight's
show is that eighty six percent of Americas actually have
a budget, which I thought that number was a lot
lower than it is, and that guys are better than
girls in terms of maintaining those budgets. But the other
(07:48):
thing that is very interesting is that now is the
time to you know, readjust those budgets that you have
between what is discretionary spend and what is mandatory spending.
And so you know, you've got some bowl weather going
on up there today and yesterday and tomorrow, and the
(08:10):
headwinds that is going on up there, with the sixteen
mile an hour winds you got up there tonight, you know,
are going to come in January if you don't adjust
your budgets, you know, and you prepare properly to be
able to pay those bills when they come in in January.
Speaker 3 (08:26):
And I yeah, and I also think that there's a
lot of stuff out there that we buy that gets
disposed of as well, you know. So I mean just
I think that the word of caution as we as
we head into this holiday season. Everything's going great, you know,
in terms of the economy right now, but who knows
(08:46):
where it's going to be two or three months from now.
And you know, don't assume that there may not be
a blip here or a blip there, because there always
seems to be, and sometimes the blips are bigger than usual.
So you don't want to be caught in that situation either.
So you know, just stay within your means, have fun
with it. You'll still enjoy the holiday, the time off,
(09:06):
and the time with your family and friends.
Speaker 2 (09:08):
That's what's most.
Speaker 3 (09:09):
Important in my opinion, as well as if you happen
to religious, have a religious observation. You know, whether it's
Hankah Christmas, it doesn't matter. You know, take care of
that aspect of your life, and take care of the
aspect of your life with your friends and family and
spend time.
Speaker 2 (09:27):
Time is so much more important than simply.
Speaker 3 (09:30):
Gifts, which some of which will will be forgotten about
two days from the time they're given. Jack always great
to chat with you. You're so much fun to chat with.
And to think it's thirty five years, yikes, it's been
a while.
Speaker 4 (09:45):
Yep. Well, Dan, thanks for having me. And remember for
those million people that listen to you out there that
have student loans and the Commonwealth of Massachusetts, you know,
they haven't been making payments for the last couple of years.
So that's another thing that you got to factor into
your budgetary stuff, is that you know, those student loans
(10:07):
have got to be repaid even though the governments shut down.
Speaker 3 (10:09):
Yeah, and also the other thing is sometimes if you
do have some really huge credit card loans, because those
numbers are going up, you can think about consolidation. And
I assume that they can always talk with UH with
why Refine, Jack Wallace, the you know, just to get
some guidance. It doesn't hurt. What's the best way to
(10:31):
reach you? Is there the website for why Refine?
Speaker 4 (10:34):
The website, Yeah, why refine dot com is the best
place to.
Speaker 2 (10:38):
Get And so that's the letter y R E F
y UH dot com.
Speaker 3 (10:44):
It looks like an Eastern European person's name, Why Refine.
Speaker 4 (10:49):
Thanks very much the marketing department. Thanks stand and.
Speaker 3 (10:53):
Holidays, Merry Christmas, Happy Holiday, Happy, happy festival is happy everything,
and Happy Thanksgiving and again happy Thanksgiving to our Canadian listeners.
Speaker 2 (11:02):
Thanks Jack. Talk soon. All right, we get back.
Speaker 3 (11:04):
We're going to talk about another economic aspect here, and
I think it's important we do the economics in the
first part of the couple of hours, first two segments,
I should say, of this hour, and we're going to
talk about the home buying process, what's broken about it
and the struggle for millennials and younger generations to try
to buy their first home. We're going to talk with
Scott Harris. He is an author of a new book
(11:26):
called The Pursuit of Home, A real Estate Guide.
Speaker 2 (11:28):
To Achieving the American Dream.
Speaker 3 (11:30):
Get started as early as you can on this one, folks.
We'll be right back here on Nightside.
Speaker 1 (11:36):
It's Night Side with Dan Ray on w Boston's news Radio.
Speaker 3 (11:41):
Well, I think everybody knows that buying homes today is
very tough. The market has gotten pretty expensive. With This
is Scott Harris. He's written a book, The Pursuit of Home,
a real Estate Guide to Achieving the American Dream.
Speaker 2 (11:53):
He's also founder of.
Speaker 3 (11:54):
The Magnetic real Estate and podcast host. He's a podcast hosts.
As I mentioned, Uh, Scott, what's going on? I've been
reading some articles which which are telling me that that
the market is slowly but surely switching from a sellers
market to a buyer's market. There's more homes coming available
(12:16):
and prices are dropping a little bit. Is that what
you understand to be the situation as well?
Speaker 5 (12:22):
Hey Dan, thanks for having me. Well, you know, it depends.
I'm based. My real estate business is in New York City,
which sometimes operates it operates a little differently than other markets,
so it's it's hard to give one size fit fits
all answer. But certainly as mortgage rates are coming down,
sellers are a little bit more optimistic that there. You
(12:44):
know that there's going to be you know, a lot
more buyers who can afford their properties. And of course
in the suburbs, you've got plenty of situations where a
property comes on and everybody jumps at it. So it's
it's bound to just be a healthier market than what
we've seen over the last few with interest rates being higher.
Speaker 3 (13:01):
Yeah, well, if New York Alex Mandami, you'll have a
lot of people leaving New York.
Speaker 2 (13:05):
He lost a lot of real estate in the market.
Speaker 3 (13:07):
I'm not sure you want to live there with with
a socialist running the city.
Speaker 2 (13:11):
So what advice would you have to buyers? I mean,
a lot of young people.
Speaker 3 (13:14):
In their twenties and their early thirties, they want to
settle down, They're tired of renting.
Speaker 2 (13:19):
What's what's their.
Speaker 3 (13:21):
Best play other than you know, perhaps buying the book
The Pursuit of Home, A Real Estate Guide to Achieving
the American Dream.
Speaker 5 (13:28):
Well, the advice that I give first time home buyers
it's it's often, for a second there, stop focusing on
what mortgage rates are. Stop focusing on how much inventory
or how little inventory there is, and take a minute
to really fill out create a vision for what you
(13:48):
really really want and get clear you get if you're
if you're buying a home with a with a spouse,
with a partner, which is about seventy percent of all
home buyers, take the time to really sit down with
your partner and talk about what is it that you
would both love. And when you do that, you start
to it changes the conversation. It becomes a little bit
(14:10):
more of a vision driven conversation. And then I recommend
that you go and interview real estate agents. Okay, I
mean Dan, The problem is that people don't spend enough
time finding somebody that's a real partner for them.
Speaker 3 (14:25):
Well, that is such great advice because, first of all,
if you're buying a home, can almost be a full
time job, because the mistake that you make or the
great home that you find that is undervalued is either
can cost you more money than intruder or can save
you a substantial amount of money.
Speaker 2 (14:46):
So you got to look at it.
Speaker 3 (14:47):
It's you're not talking about going to the store and
to the you know, to the grocery store. You're talking
about a huge commitment, probably with the mortgage of anywhere
from fifteen to thirty years and uh and in this
day and age, is going to it's going to cost
you a lot of money. But it's also the most
the most important investment you'll ever make in your life,
(15:08):
because most people who buy homes make money when they
go to sell them after a certain period of time.
Real estate in this country has a great market, has
a great tradition of going up. I'm sure you would
be an apostle of that that gospel.
Speaker 5 (15:28):
Oh sure. The what I've found, Dan, is that people
spend more time planning a weekend vacation than they do
preparing to buy, Like you said, one of the most
important making one of the most important decisions of their lives.
And I really encourage home buyers to take a step
back and interview it's it. It becomes a little bit
(15:52):
awkward sometimes, right because you're you're you're you've got a
family friend who's in real estate, or maybe you're close
your own close friend in real estate. But at the
same time, maybe they're just not the right match for
what you need. Maybe you're a person that needs a
certain type of communication, and that agent just can't give
it to you. Even if they're supposed to be, you know,
(16:13):
really great, they may not be great for you.
Speaker 2 (16:16):
Yeah.
Speaker 3 (16:16):
The other thing to really and the other thing true
i'd suggest is when you get a real estate agent,
don't sign some sort of a six month commitment or
a three month commitment with the real estate agent. Just
say to the real estate agent, hey, look, as long
as you're showing us good properties that are value, we're
going to keep you. But when all of a sudden
you stop doing that, we're going to find someone else.
(16:38):
I mean, the real estate agent wants your business because
they're going to make three, four, five, maybe six percent
on the sale of the home. You're a big ticket item.
Don't allow them to take you for granted and lock
you up for six months.
Speaker 5 (16:54):
Right now, Dan, there's there's been a big change in
the real estate market, which some people probably know about,
where you have to sign what's called a buyer representation agreement.
And like you said, you may not want to commit
yourself to one agent just in case that person. Maybe
you're looking in different neighborhoods, different towns, or maybe you
just want to give it a shot at first. And
(17:15):
see how you like this person. You can do You
can sign a buyer representation agreement where it's property one
property at a time, which is a little bit more
paperwork to sign back and forth. But ultimately you're going
to find someone that you really like and trust, that
you really feel has your best interest at heart, and
that person is going to find you a home you love.
But it's worth taking a little bit more time being
(17:37):
a little more intentional about your process.
Speaker 3 (17:40):
I remember when we were in the process of buying
homes and when I was single, I was trying to
buy a condominium. I remember that at that time, for
some reason, every real estate agent who I talked to,
all they wanted to do was tell me about closet space.
And I didn't have that much stuff at that point
in my life to even need the closet space. It
was like, I was looking for a place that I
(18:01):
can get a parking space and a view of somewhere.
And you've got to make sure that they understand what
your priority is, okay, and not be a priority. You're
the one that's going to live in that house. You're
the one that's going to buy that house and live
in that house for some period of time, they're.
Speaker 2 (18:17):
Going to be there at the closing and you may
never see them again. So how can folks get the book?
Speaker 3 (18:24):
I assume The Pursuit of Home, a Real Estate Guide
to Achieve the American Dream is available on Amazon bookstores.
Speaker 2 (18:33):
I'm I'm sure you will highly recommend it.
Speaker 5 (18:37):
Yes, wherever you buy books, you can find it. And
if you want to get some of the free resources
that are in the book, you can also visit pursue
your Home dot com which has you can buy the
book straight from there, and you can also find all
of the different resources that are on offer, which is
a whole bunch of different assessments and also a bunch
(19:00):
of tools to help you identify what really is important
to you in that home that you want to buy.
Speaker 3 (19:04):
Sounds great, Scott, And good luck with that Mayo race
coming up in New York.
Speaker 2 (19:10):
Thank you very much. Good luck with that line, all right. Thanks.
Speaker 3 (19:14):
When we get back, we're going to talk with a
Medway hairdresser. She tells us she's a nightside listener, which
makes me like her a lot already. Uh, and she
experienced some hear loss and has now decided to start
making human hero wigs. For others who have experienced hear loss.
We will talk with this very interesting, amazing woman right
(19:35):
after the break at the bottom of the hour here
in Nightside.
Speaker 2 (19:37):
News is next the big news day.
Speaker 3 (19:39):
We're going to start talking about that right after the
nine o'clock news back on Nightside after this.
Speaker 1 (19:45):
Night Side with Dan Ray. I'm Boston's news Radio.
Speaker 3 (19:51):
All right, let us now move on, and I am
delighted to introduce Heather and Heather.
Speaker 2 (19:59):
I hope I'm going to get this correct correctly.
Speaker 5 (20:04):
Uh.
Speaker 6 (20:04):
Fiat Toroni Siattroni is my maiden name. My married name
is Cohen. But I'm fine with either.
Speaker 3 (20:11):
I could, I could do. No, I'll put them together,
Heather fiat Roni Cohen, no problem.
Speaker 6 (20:17):
Uh, and much easier.
Speaker 2 (20:18):
Yeah. I know that. Yeah, great decision. Uh.
Speaker 3 (20:22):
But you're the owner of a beauty salon for hair
and makeup studio in Medway. I know where Medway is
called b uh Lux, but it's it's b the lowercase
B period and then capital l u x e b lux.
Speaker 4 (20:38):
Uh.
Speaker 6 (20:38):
That's correct.
Speaker 2 (20:39):
And you have had a personal experience.
Speaker 3 (20:42):
You're a young woman, uh, and you were dealing with
a medical situation that caused you to lose some hair, uh,
and you have started to help other women, and I
guess men, uh, And if I'm being presumptuous there, tell me.
I assume that it's a problem that that either gender
can can deal with it, and you've decided to start
(21:03):
making human hair wigs for others.
Speaker 2 (21:06):
So, first of all, how difficult is it to make
human hair wigs?
Speaker 6 (21:12):
Tod Yeah, It's time consuming obviously, So I would say
the majority of my wigs, about eighty percent of the
ones that I do, I call them canvas pieces, So
they come to me about seventy percent done, and at
that point I can then customize the hairline, the hair texture,
whether your hair is curly or straight, and match the
(21:32):
color exactly. So whatever you had before your hair loss,
I can recreate. I do have some clients where their
customization is a little bit more complex, and I will
have to do the wigs start to finish. I try
my best to use a canvas piece that I can
kind of go in and customize because the weight time
is much shorter, and when you're dealing with hair loss,
(21:53):
you don't want to be without your hair for very long, so.
Speaker 3 (21:57):
Without you know, impose on your personal situation. You had
a condition, which hopefully you're doing well now that and
have dealt with that, but you needed.
Speaker 2 (22:12):
To get.
Speaker 3 (22:14):
A wig yourself, so you mate, that's how you kind
of came to this situation, as I understand it correct exactly.
Speaker 6 (22:21):
I've been a hairstylist for thirty years and during that time,
many of my clients would ask me about wigs, whether
they had a family member or a friend who was
going through a medical treatment or had alopecia, and I
would never know where to send them. So it really
wasn't on my radar until I was diagnosed with rheumatoid
arthritis about four years ago, and the treatment that they
(22:42):
put me on caused hair thinning and some hair loss,
and I just kind of figured it wasn't that big
of a deal.
Speaker 5 (22:49):
I could fix it.
Speaker 6 (22:49):
Because I was a hairdresser. And what I realized very
quickly was there were not a lot of options out there.
I could buy a wig in a box, or I
could go into a wig store, but they couldn't recreate
what I had. They couldn't recreate the color or the
style or the density, and it just looked like a
wig when I put it on, So I just thought
(23:11):
there has to be a better way. And I spent
about a year and a half destroying wigs, ripping them apart,
trying to figure out how they were constructed. And when
I finally made my first piece and customized it to me,
I just couldn't believe the difference. When I put it on,
I felt like back to normal again, and I realized
that there were so many people out there that were
(23:33):
probably dealing with hair loss as well, and I could
help them.
Speaker 3 (23:37):
Now.
Speaker 2 (23:37):
One of the things this is not something that you're
doing for free, but one of the things that did
you've discovered in this process, as I understand it, is
that when it's related to a medical condition, some insurance
policies cover this. Correct.
Speaker 6 (23:54):
Yes, so it's called a cranial prosthetic when you're using
it for a medical reason, medically necessary. All health insurance
companies are different. So I do encourage anybody who is
dealing with hair loss, whether it be through a medical treatment, cancer,
medication side effects, to contact your insurance company to find
(24:16):
out if you do have a cranial prosthetic benefit, and
then at that point you can discuss it with your
medical team, your doctor, and they can actually write you
a prescription for a cranial prosthetic. And I have a
special qualification where I'm able to write what's called a
statement of reimbursement, so I can help my clients through
(24:38):
that insurance reimbursement process.
Speaker 3 (24:41):
Now again, I'm curious about this. When you're talking about
a you know, a standard wig, but at the quality
that you want, how expensive is it? And what do
some insurance companies do realistically? I mean, I'm just trying
I make people who are listening, you know, save you
(25:03):
the aggravation of telling twenty people tomorrow, give us an
idea about what a what a you know, full wig
for a person would cost, and then how do the
insurance companies treat it, the ones who are willing to
view it as some sort of you know, a cranial prosthetic.
Speaker 6 (25:22):
Yeah, absolutely no aggravation at all. I love talking about wigs,
so please anyone who's listening ask me all the questions.
But typically a human hair wig can cost anywhere from
one thousand to four thousand dollars. Typically the cost associated
with it it's really the length of the hair. So
the longer you go with the hair, the more expensive
it becomes. And in my experience. I've seen health insurance
(25:45):
companies cover three hundred and fifty dollars up to eighty
percent of the total cost of the wig.
Speaker 1 (25:52):
So it really.
Speaker 6 (25:53):
Runs the gamuture. And that's why I always say, just
check in with your insurance company. They're super helpful. They'll
be able to tell you if you do have a
wig benefit and what that benefit usually looks like.
Speaker 2 (26:05):
And then the question which is in the back of
my mind here, and that is how when you say
a human here wig, I assume that means actually human.
Speaker 6 (26:15):
Hair it does. You need to be very careful, like
if you're buying something online, just because it says human
hair doesn't necessarily mean that it is. But all of
my wigs are one human hair.
Speaker 3 (26:28):
Yes, So then the question is do you have a
source where you actually call up and say, hey, I
need some auburn human hair, or I need brown human
or black human hair?
Speaker 4 (26:39):
Is that yes?
Speaker 5 (26:40):
Yes?
Speaker 6 (26:41):
So hair, human hair or hair made for wigs comes
from three main sources. One is what we call Indian
temple hair, and this is hair where people will donate
their hair to their temple. It's a religious ceremony. I'm
not super well versed on it, but the temple then
sell the hair to hair brokers and then that money
(27:03):
is used like with their community outreach. Hair is also
a commodity, so it's bought and sold, so people do
sell their hair. And then the third source of human hair,
and it's not a source that I use, but I
do just want to say, if you know, there's no
shame in it at all, it's it's the most cost
(27:23):
effective would be what's called drain hair or floor hair.
So drain hair, it's kind of exactly what the name says.
It's hair that's kind of collected and sorted out and cleaned.
It's sanitary. The issue with that is you can't guarantee
the quality of it and the hair cuticle they're not
always aligned, so that that hair usually is very weak
(27:46):
and tangles very easily. So the two main sources of hair,
I have two vendors that I work with, and I
know the hair is ethically sourced. It's Indian Temple hair
or hair that has been purchased from a donor.
Speaker 2 (28:01):
I've learned a lot in this segment. Heather.
Speaker 3 (28:04):
Again, if folks want to get in touch with you, uh.
Speaker 2 (28:07):
The website is always the best. If you have a website.
Speaker 6 (28:11):
Absolutely, it's b as in boy Lux dot com, b
lux dot com.
Speaker 3 (28:16):
No, no, no period or comma or anything like that,
b l u XI and not upper lowercase sensitive.
Speaker 6 (28:28):
No, just just blux dot com.
Speaker 4 (28:31):
Yep, exactly b l u xy.
Speaker 3 (28:33):
Well, Heather, thanks very much. It says here that you're
a night side listener and again it's true. Thank you
very much and delighted that we could help you out
and hopefully help out some folks who are dealing with
what might be a temporary situation and uh and you
can keep you can help them along the way of life.
Speaker 6 (28:51):
Thank you so much, Thank you so much for having me.
Speaker 2 (28:54):
Very welcome.
Speaker 3 (28:55):
Heather Cohen, the owner of b Lux blux dot com,
b l uxe dot com. If you're in need of
a wig and you're in the MetroWest area or further away,
give a recall. She sounds like a really nice lady.
And we come back on and talk about a tough
story today, the biggest news story at least in Massachusetts.
That's a small plane that I'm out of New Bedford
(29:16):
crash today Monday morning on I one N in Dartmouth,
taking the lives of Middlesex, Middleton, Rhode Island a couple.
We'll be back going to talk with Dan Mazzella. He's
the operations director for Boston Huff of Total Traffic and
Weather Network.
Speaker 2 (29:32):
Right after the break, It's.
Speaker 1 (29:34):
Night Side with Dan Ray. Hey, Dan Boston's News Radio.
Speaker 7 (29:39):
This is doctor Frankie of Boston Prolo Therapy. Recently a
number of patients have told me they first looked at
another treatment for their joint pain. In the end, they
chose Boston Prolo Therapy, but the reasons were all different.
Some patients chose me because they knew prolo therapy could
alleviate their joint pain. They've seen friends and relative achieve
(30:00):
a new lease on life without surgery. Other patients chose
me because I'm an orthopedic surgeon, a doctor who would
be performing their treatments. The overwhelming majority, however, chose Boston
Prolotherapy because I listened to them. Your consultation is solely
to diagnose your injury and determine if prolo therapy could
(30:21):
be an option for you. If it isn't, I'll refer
you in the right direction for your complementary phone consultation.
Call one eight three three Go Prolo. That's one eight
three three gop r l O or go online at
Boston Prolotherapy dot com.
Speaker 5 (30:40):
Oh this traffic, Hi honey, the bothom sinks backed up?
Speaker 1 (30:44):
What am I gonna do?
Speaker 8 (30:45):
Call the company that gives a poop about your pipes?
Speaker 5 (30:48):
Not a good time for jokes, Randy.
Speaker 8 (30:50):
It's Drains by James. You've heard the commercials always the
solution for home and business clog pipes and drains as
well as pipelining repair.
Speaker 2 (30:58):
Okay, online Drains by James dot com.
Speaker 8 (31:01):
Correct. We can depend on Drains by James dot com
because at Drains by James, Honey.
Speaker 6 (31:07):
They give a poop about your pipe.
Speaker 9 (31:10):
In the cold and winter weather. Peerless Boilers is ready
to help with all your vital heat and hot water
heating needs. Don't wait until you have no heat in
a leaky mess in your house. Visit Peerless boilers dot
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home or business. Remember Peerless Boilers the world's best built boilers.
Speaker 10 (31:37):
If you were construction and have been hurt on the job.
I totally understand your pain because I was too.
Speaker 2 (31:42):
Hi.
Speaker 10 (31:43):
I'm Sean Flaherty, Managing partner at Catches Law Group. Before
I became a lawyer, I worked in construction until my
work accident. Once I recovered, I went to law school
and now I represent people who were hurt on the job.
Catches Law Group has worn over two billion dollars for
our clients, and you pay nothing unless we went contact
us to set up a free consult and learn more.
Speaker 1 (32:04):
Catch us law dot com. You're on Night Side with
Dan Ray on WBZY, Boston's news radio.
Speaker 3 (32:14):
All right, welcome back everybody, as we head to our
fourth topic tonight.
Speaker 2 (32:19):
This is a tough one.
Speaker 3 (32:20):
There was a small plane crash this morning, a little
after eight o'clock down in Dartmouth with us as Dan Mozilla.
He's the operations director for the Boston Hub of Total
Traffic and Weather Network traffic reporter. You hear them all
the time, Dan Mozilla, Welcome back to Night's at.
Speaker 2 (32:33):
How are you hey, Dan?
Speaker 11 (32:35):
Longtime no talk?
Speaker 3 (32:36):
Yeah, a couple of months now. Maybe this was a
tough one today. Small plane a couple lot of Middleton,
Rhode Island. I guess we're on their way somewhere to Wisconsin.
They took off tough weather conditions. Sounds like they were
in trouble right away and they were trying to get
back to the airport.
Speaker 2 (32:54):
Didn't quite make it, tell us about it.
Speaker 11 (32:56):
Yeah, So after the takeoff, believe they weren't even in
the air for like a minute, and then unfortunately the
plane went right down on to one ninety five down
in the Dartmouth stretch. So because it landed in the median,
it actually skimmed another car and they had to shut
the highway down both directions, and from the reports that
(33:18):
I was here in earlier, people thought, you know, I know,
we're in October, and everyone thought it was very, very
eerie that the highway was shut down and folks had
to get off at Route one forty to get around this.
They had to jump down to Root six and then
that just became a nightmare. The weather was terrible today
and it was just a perfect disaster. It was a holiday,
(33:41):
so not many people were on the road, which silver
lining that is a good thing, but you know, unfortunately
it closed the roads down for for hours on end.
They just reopened it around like three or four o'clock
and then they still have the left ling taken on
the east spound side where all this is happening, because
(34:02):
they're still doing the investigation right now.
Speaker 2 (34:05):
Do they they've identified the couple as I understand it, Yes,
from from Middleton, Rhode Island. Do we know why they
were heading off? I believe they were heading to Wisconsin.
That's a that's pretty long flight.
Speaker 11 (34:22):
Yes, I mean it's it's one of those things where
I also believe they didn't submit from the reports that
I've been seeing, they they didn't. They didn't submit a
flight plan, which is kind of odd, and so I'm
not sure why Wisconsin was the destination. But I mean,
I mean, in a small plane like that, you have
(34:43):
to make some other stops, most likely to land and
fuel up. So I'm sure Wisconsin was the ultimate destination.
But I'm pretty sure they had to have They would
had to have landed somewhere else to refuel. As to
why they were going to Wisconsin, I'm still not familiar
with that answer right now.
Speaker 3 (35:03):
I watched the news tonight and I saw that the
plane had, you know, basically broken up upon landing in
the on the Median Strip. Now it's rained a lot
the last twelve hours or maybe twenty four hours. I
guess now it's twenty four but as of this morning,
probably had rained for about twelve hours, so I assumed.
Speaker 2 (35:24):
The landing strip, the median strip was pretty soggy. It
looked to me as if the plane might have flipped
over when it landed. Yep, could have. The condition of
the ground would have they had more more chance of survival.
Speaker 3 (35:40):
If if this accident occurred last week, before this huge
rainstorm hit, it just sounds to Anthony ground.
Speaker 2 (35:47):
Was probably pretty soft and that's what proceeded to flip over.
Am I am? I Am? I speculating way too much?
Speaker 11 (35:55):
I would say just a little bit. The only thing
that I would say to that is with the ground
being whey, and you know all medians, if you've ever
looked at a median, it's kind.
Speaker 2 (36:06):
Of a ditch, right.
Speaker 11 (36:09):
It's it's designed for that reason, not only for water runoff,
but also if there if a car does go off
the road, the likelihood of it going over to the
other side is there's still a chance. But because of
the design, it makes it go into the ditch. So
with the plane going down and going into the median,
(36:31):
I will say that that's probably the best place for
this to happen. Unfortunately, because if it went all over
the road, more cars would have been damaged, we would
have had more loss of life most likely. So the
fact that it went right into the ditch in the
median is saved, saved a lot of lives. The person
(36:51):
who the person who was in the car was able
to go home at the end of the day, So
that just shows you. I mean, we don't know what
kind of a pilot whoever was flying at one of
the two. I know it was a married couple. Whoever
was flying at him or her going right into the
(37:12):
median was the lesser of all the evils.
Speaker 3 (37:17):
My understanding is that the pilot was the men and
that I heard him referred to grece I say that
and said that he was a very experienced, a well
known pilot within the Rhode Island community. So I know
nothing more about you know, whether they was they were
described as sixty eight and sixty six years of age,
(37:39):
whether they had retired or whether they were.
Speaker 2 (37:43):
No why no information.
Speaker 3 (37:44):
I'm sure that more information will come out, but no
idea as survivors, family members, there are probably a lot
of people are an island tonight, who are you know,
very you know, sad at the loss of friends, relatives,
who knows, maybe parents.
Speaker 2 (37:58):
I mean, it's these stories, Dan, just horrible.
Speaker 3 (38:00):
They're they're terrible because we look at it and we say, well, no,
it's sad and all of that, but it's a real
human tragedy because for people tonight it is really hurting
over the loss of this couple.
Speaker 11 (38:12):
And you know, the size of the plane is you know,
if you look up to make it model, it's it's
a single engine TB seven hundred and that that isn't
you know, the biggest of planes is not the smallest
of planes. But you know, still if you've ever been
in one of those planes, you hear everything that goes
on around you. You got to have like, you know,
(38:33):
the the headphones on with with the microphone kind of
like how you and I do our job.
Speaker 4 (38:38):
Dan.
Speaker 11 (38:39):
It's it's pretty much like that the whole time up there.
It's it's not you know, going to low gain and
gain on a different flights like a commercial flight.
Speaker 2 (38:49):
So it especially with the weather.
Speaker 11 (38:51):
Today, it was it was a bumpy ride and it
turned into a tragedy.
Speaker 3 (38:56):
No doubt Damn Mozela is always so great to talk
to you. As they say, when you and I have
our headsets on, we can crash a radio show or
a or a traffic or weather report. But these poor people,
you know, lost their lives and hopefully there was no
suffering involved, and hopefully our thoughts and praierser with the survivors,
(39:16):
family members and friends of this couple from Rhode Island.
Dann Mozella. Next time we'll talk, it'll be on hopefully
in a better topic.
Speaker 11 (39:22):
Okay, thank you, Ma, crossing my fingers and my toes.
Speaker 2 (39:26):
All right, thanks Dan, talk to you soon we get back.
Speaker 3 (39:28):
We will talk about a great news story and that
is what transpired in the Middle East today, the release
of twenty hostages alive, the remains of four returned home.
Speaker 2 (39:40):
But this may open a door for genuine peace in
the Middle East. I want to talk about it.
Speaker 3 (39:47):
We're going to talk about it with Jeff Robbins, who's
been a guest in this program on this topic, this
very topic, and I want to hear from you if
you'd like to join the conversation.
Speaker 2 (39:56):
Let's celebrate.
Speaker 3 (39:57):
This is one that has actually is work six one, seven, two, five,
four ten thirty six, one seven nine three one ten
thirty back right after the nine o'clock news on night
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My Favorite Murder is a true crime comedy podcast hosted by Karen Kilgariff and Georgia Hardstark. Each week, Karen and Georgia share compelling true crimes and hometown stories from friends and listeners. Since MFM launched in January of 2016, Karen and Georgia have shared their lifelong interest in true crime and have covered stories of infamous serial killers like the Night Stalker, mysterious cold cases, captivating cults, incredible survivor stories and important events from history like the Tulsa race massacre of 1921. My Favorite Murder is part of the Exactly Right podcast network that provides a platform for bold, creative voices to bring to life provocative, entertaining and relatable stories for audiences everywhere. The Exactly Right roster of podcasts covers a variety of topics including historic true crime, comedic interviews and news, science, pop culture and more. Podcasts on the network include Buried Bones with Kate Winkler Dawson and Paul Holes, That's Messed Up: An SVU Podcast, This Podcast Will Kill You, Bananas and more.
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Dateline NBC
Current and classic episodes, featuring compelling true-crime mysteries, powerful documentaries and in-depth investigations. Follow now to get the latest episodes of Dateline NBC completely free, or subscribe to Dateline Premium for ad-free listening and exclusive bonus content: DatelinePremium.com