January 12, 2026 • 39 mins
We kicked off the program with four news stories and different guests on the stories we think you need to know about!
With the new year, comes new resolutions with people looking to lose weight…BBB Scam Alert: Use caution when searching for weight loss products online.
Guest: Paula Fleming - Chief Marketing and Sales Officer Better Business Bureau - Boston
Recap of the Patriots win over the LA Chargers as the Pats enter the postseason.
Guest: Chris Price – Boston Globe sports reporter
There is growing demand across the country for high schools to prepare students to manage their finances in real life by making personal finance classes a requirement before graduating.
Guest: Billy Hensley - Ph.D., President and CEO, National Endowment for Financial Education (NEFE) – a nonprofit focused on financial education
How real food, rest, movement, and connection to the natural world can restore vitality to animals and people alike. Healing is less about complex drugs and more about returning to life’s essentials.
Guest: Dr. Doug Coward - Veterinarian and author of “In Healing Both Ends of the Leash”
See omnystudio.com/listener for privacy information.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
It's NIC's Eyes with Dan Ray. I'm going easy Boston's
News Radio.
Speaker 2 (00:06):
Well, here we go with another week of Nightside, and
this one, Ladies and Gentlemen, is a full week. It
is Monday night, January twelfth, twenty twenty five, not twenty
twenty five, twenty twenty six. What am I talking about?
It's twenty twenty six, the first time I have slipped.
Have you written any checks this year that are dated
(00:26):
twenty twenty five? I've written a couple. I'm not twenty
twenty five. So you know how it is. The year
turns and you just get a little You're got that
bad habit of writing twenty twenty five. So I just
changed it on my program sheet that I have in
front of me, and we're ready to go. Rob and
I will be here for a full week. I'm here Monday, Tuesday, Wednesday,
(00:46):
Thursday Friday this week every night eight to midnight. Rob
is going to be here as well, Right Rob, You
can't hear, but Rob just said right. He'll be here
every Monday, every night this week, Monday, Tuesday, Wednesday, Thursday
Friday from until midnight. Look, it's only about one hundred
hours now to midnight. As a matter for you can
do the math on that. I'm actually telling you the truth.
(01:07):
So one hundred hours from now and we'll be wrapping
this week, Rob, It's gonna go by crazy fast. We
have a great show tonight. We have four great guests
coming up, including a make good from Friday night. We'll
explain that. And then a little bit later on tonight,
we're going to be talking with the former CEO and
executive director of the Massachusetts Convention Center Authority, Marcel Vernon,
(01:29):
who got a real raw deal and it's an amazing story.
This is his first media, you know, electronic media interview.
We'll talk with Marcel Vernon as well as his attorney
on the case, Jeff Robbins, a great lawyer and if
(01:50):
you ever't need a good lawyer in Boston, you gotta
be talking to Jeff Robbins. And then at ten oh
five tonight we'll talk with the professor from Boston College
about what is going on in Iran Professor Banawas Easy
he is an Iranian scholar, has been in this country
for fifty five sixty years, sixty years at least spent
(02:13):
his childhood, I guess, and his teen years there, but
has Nobody knows more about Iran and what is going
on than our guest at ten o'clock. So if that
is of interest to you, and it should be, we
got the best guest tonight you could possibly imagine. We
have great guests this hour two. Let's start it off
with Paula Fleming, one of my favorite night side News
(02:34):
Update guests. Paula, of course, is with the Boston Better
Business Bureau. She's the chief Marketing and sales officer, and
she comes tonight with warnings. With New Year's resolutions, a
lot of people are looking to lose weight, and there's
a BBB Boston Better Business Bureau scam alert that advises
(02:55):
all to use caution when searching for weight loss products online. Paula,
I'm not in the market for weight loss. I did
it with Awaken one to eighty. Not the hard way,
an easy way, but the traditional way. What are these
scams we're talking about? First of all, Happy New Year, Paula.
Speaker 3 (03:13):
Thank you so much and thank you for having me.
Happy New Year to you and your listeners.
Speaker 2 (03:17):
Dan right, so help us out here. We want to
avoid prob so as you do, want to avoid problems
for our listeners, go right ahead.
Speaker 3 (03:26):
Yeah, So, the better Business Freer across the United States
has received numerous reports of fraud tied to weight loss.
A lot of us have seen these GLP one products,
and we want every listener of yours to stay informed
and protected. So here's what you need to know. These
scammers are targeting consumers using fake ads. You'll see them
on social media when you're scrolling through social media, texts, calls,
(03:47):
and fully online pharmacies to sell these so called weight
loss products. So there are legitimate weight loss products we've
heard of. One such as will go v for example,
is a hot item right now. They're legitimately prescribed for
diabetes and weight management. They're in high demand, and scammers
are taking advantage of that.
Speaker 4 (04:06):
Unfortunately, what are they doing.
Speaker 3 (04:10):
They are targeting people by using fake ads and deep fakes.
So they're using AI generated videos and images of celebrities.
Oprah Winfrey was one that unfortunately, her picture and videos
were deep faked and they were used to con people
into thinking that she was an you know, a user
(04:30):
of this and and it's unfortunate, but these products look
legitimate and they're not. And we we highly recommend that
if you're interested in one of these that you go
to a physician.
Speaker 2 (04:41):
Paul, when you when I see these deep fake ads,
which I understand they're done with a lot of celebrities
they are how do they they make it sound you
see the picture of the celebrity, Uh, the celebrity is doing,
you know, would appear to be doing the talking on
their own voice. And it's right, it's a hit on shot.
(05:03):
It's not like a voiced over where they're someone imitating
the voice. How do they make them look so real?
These deep fakes?
Speaker 3 (05:11):
Right, Well, that's exactly it AI. It's very difficult. It
does look like it is legitimate, and people, you know,
have trust in these celebrities and they might see an
actual legitimate weight loss journey for them, but it's not
tied to whatever ad you're clicking on. So if you
look at these ads, if the lips look slightly off, delayed,
(05:33):
or it's an unnatural look, it's a sign of an
AI or what we refer to as a deep fake technology,
and be suspicious if a famous person or doctor is
claiming a miracle weight loss result or pushing you to
buy immediately. Real medical professionals don't advertise prescriptions this way.
So take a step back and go ask for expertise,
(05:54):
feedback on what your goals are so they can outline
them and what is legitimate. We don't want you just
buying from a social media ad.
Speaker 2 (06:01):
It's unbelievable. I see these all the time, and I
must tell you I'm an inherently skeptical individual, but I
look at them and I try to find you know, tips,
But the words, it's their voice. I understand. They can
take a few words and then turn it into whatever,
(06:23):
you know, voice they want, whatever intonation they want. But
they then have this video where the person is looking
at you and the lips are moving, and you know
how when you watch sometimes I don't know, on television,
if an ad is not properly SYNCD, you'll say that
just looks a little off.
Speaker 4 (06:42):
They don't look a little off.
Speaker 2 (06:44):
They look better than ads that look a little off.
It's stunningly effective. And you're right. First of all, people
should be only going through legitimate medical resources. They should
not be you know, your doctor's office, get a prescription.
Don't don't buy this stuff. I mean, it's it's only
(07:04):
going to potentially harm you physically harm you. You don't
know what the what. You might just be buying placebos
which have no impact, but you might be buying stuff
that could actually harm you as well, and that's a
problem in.
Speaker 3 (07:19):
Addition, absolutely, And that's you know to your point. Technology
can make scams look incredibly convincing. But remember real healthcare
doesn't come from a social media real so one end out,
slow down, check it out, protect yourself. Visit BBB dot
org to see who all the details about the scams.
We have the scam Tracker to help and research the company.
(07:41):
Please separately, not through the link in a video or
an incoming text or email.
Speaker 2 (07:47):
Where do you do you have a scam checker on
your website? Did I hear you saying can they misunderstand that?
Speaker 4 (07:53):
Yes?
Speaker 3 (07:54):
No, you did not misunderstand me. We actually have the
BBB Scam Tracker can be easily found at BBB dot
org forward slash Scam Tracker And this is where you
can look at scams either buy keyword or in your
geographic area, your community locally. So I would encourage your
listeners take some time and go dig around in there.
And if you've been a victim of a scam, that's
(08:15):
where you can also notify us and help education is key,
so we appreciate it. If people do let us know
if they've been a victim of a scam or a
potential victim of a scam.
Speaker 2 (08:25):
A lot of people are embarrassed even to admit it.
But please follow Paula's advice. And again you can go
at any time to BBB for Better It's a Better
Business Bureau. I always sell the extra B in their
Boston but it's just BBB dot org slash scam tracker.
(08:46):
And if you are, if you have been scammed, look
let people know. Through the BBB you reach a lot
of people. You want to tell your friends, you want
to maybe call your local police department. There's just so
much of this stuff going on, Paula. It is frightening,
is frightening. Thank God for the BBB, for the Better
Business Bureau, for what you do.
Speaker 3 (09:05):
Thank you so much.
Speaker 2 (09:06):
Dan. All right, again, be careful, people, be careful. And
if you are using your credit card, you have to
be particularly credible because when you put those numbers in,
you just have no idea who was looking at those
numbers and what can happen. We live in this society
where we're gone from bartering. I'll give you water out
(09:29):
of my well if you help shoe my horses back
of the eighteen hundreds. I guess to now where it's
all electronic, and I know it sounds better, but it's
really not. In my opinion, we get back, I will
tell you what is better, and that is the twenty
twenty five, twenty six edition of the New England Patriots.
(09:51):
They just overwhelmed Los Angeles Chargers last night, and the
difference between the Patriots defail vents, you know, the Chargers
were pretty good. We're going to break it down with
Chris Price, Boston Globe sports reporter on towards the Super Bowl.
We're not gonna jinx anybody, but we'll talk with Chris
about what was the magic formula last night. It was
(10:16):
a great performance by the defense. I mean, justin Herbert
if he wasn't seeing ghosts last night at Chillette Stadium,
I don't think any quarterback ever will. We'll be back
on Nightside with Chris Price of the Boston Globe recapping
last night's Pats win over the LA Chargers formally the
San Diego Chargers.
Speaker 1 (10:39):
It's Night Side with on Boston's news radio.
Speaker 2 (10:44):
I think most of New England was watching the Patriots
demolish the Los Angeles Chargers last night. Nobody probably watched
it more closely than Chris Price of the Boston Globe
and Chris joins us. Now, Chris, I've watched a lot
of football games. I can go back to the days
of Bay p Really in the New England had the
Boston Patriots in the early nineteen sixties, and that was
(11:08):
a devastating performance by the Patriots last night. They looked
as good as any pro football team in my lifetime.
I mean just dominated. The defense dominated the Chargers. Did
you expect the game to go like that at all?
Speaker 5 (11:26):
I expected the Patriots to win, but I did not
expect the game to play out as it did. I
thought the Patriots to give him a couple of touchdowns
and they would be able to kind of impose their
will offensively on Los Angeles. But I did not anticipate
the defense fundamentally smothering what is a pretty good Chargers offense.
And so for me, Dan really in a lot of ways,
(11:48):
I don't want to kind of engage in hyperbole here,
but it reminded me a little bit of the two
thousand and one team that won a lot of games
on defense and special teams, and the offense did just
enough to kind of put some points on the board
and you know't allow them to come away with the wins.
So you know, it's a championship formula. So if I mean,
if they can, if they can keep on with that,
I think they're gonna be in good shape.
Speaker 2 (12:08):
Oh yeah, the Packers did that for years. Dallas did
that for years. I'll tell you what. It reminded me
of the Super Bowl, most recent Super Bowl that the
Patriots won, which I think was the when they I
think the school was identical sixteen to three when they
beat the Rams.
Speaker 5 (12:26):
Yeah, yeah, it was. It was very similar because again,
you know, you have an overwhelming defense led by in
the case of last night, led by a guy like
Milton Williams who was absolutely tremendous. And again you get
just enough offense. You get the touchdown, the late touchdown
pass from Drake me to Hunter Henry which made it
sixteen to three. You get three field goals from Andy Borgalas,
(12:46):
who was you know, on a weekend where it was
awful tough for other kickers, he was able to be
rock solid. So, like I said, it's a. It's a
really good formula. They need to be able to replicate
that moving forward, whether it's going to be Houston or
Pittsburgh in the next round. They need to kind of
keep that moment him, you know, kind of spinning, spinning
in the right direction.
Speaker 2 (13:02):
But Godless is a great story and that he had
a couple of miss field goals early in the season
and the Patriots were going to not change it up,
but Rabel must have seen something or you know, to
stick with the guy. He is now silent he is.
Speaker 5 (13:23):
He's also an interesting guy too, because he came out
of the University of Miami, had a great college career,
and like you said, he kind of stumbled a little
bit and nearly going in. One of the things when
it comes to kicking field goals, so much of it, yes,
so much of it is is a confidence thing. And
he talked to me about this the other day. I
wrote a piece for the Globe about it. That the
(13:43):
confidence that Rabel showed in him after his early struggles.
You know, if you remember he made the big kick
down in Miami, he's made you know, he made a
big kick to help him beat Buffalo. He made a
fifty nine yarder the last week of the regular season. Yeah,
this this is the young man who's really been able
to kind of pick up on those good vibes from
the head coach. And you know, ever since then, he's
really kind of you know, he's really had a point
(14:04):
in the right direction, is he not?
Speaker 2 (14:06):
I believe he's is. He's from South America originally.
Speaker 5 (14:10):
His family from Venezuela. Actually, yeah, and so they hear.
Speaker 2 (14:14):
That Venezuela right now, that's for sure.
Speaker 5 (14:16):
Yeah, exactly exactly. His brother was a kicker, and so
kind of it runs in the family a little bit.
So yeah, he's he's he's an interesting young man.
Speaker 2 (14:24):
Well, people don't understand the pressure that's on kickers because
at that point, it's it's eleven, it's ten guys that
got to make sure everything gets blocked out, but they
still got to kick the ball. The timing is so important,
and they got to look at look at the Giants
kicker that actually missed the ball. I've never seen that
happen in that game two or three weeks ago.
Speaker 5 (14:45):
Yeah, yeah, it's it's extraordinary because and also too of
these are guys who have oftentimes in these playoff games
that are decided by the closest of margins. They have
the fortune of the entire franchise in their hands. The
last regular season game, the Ravens kicker missed a chip
shot that would have given them a playoff berth and
would have knocked the Steelers out. The other night, the
(15:07):
green Bay kicker his missus played a rowan green Bay
losing to Chicago. So when you come across the kicker
who was able to execute in the biggest moments like
Boragalas has done or did on Sunday nights, you gotta
hold on to a guy.
Speaker 2 (15:19):
Like that, yeah, or guys like growing the prior Patriots
kickers Vinit Terry and you know, I mean those those
guy those guys were priceless. They're absolutely justless to think about.
Speaker 5 (15:33):
How about this? How about this Dan that twenty two
years ago this week Adam vin Terry kicked the deliver
the game winner in the snow against against the Raiders.
And so I think there was some good vibes in
the air when it came to Patriots and the Patriots
and the kicking game last night.
Speaker 2 (15:49):
And then I got to touch on Justin Herbert. I mean,
we don't see him much because he's a California, you know,
LA quarterback. He looked horrible yesterday. He looked he it
looked like, find me the backup quarterback at you know,
Colorado State, And that's what I would have expected. He
(16:10):
looked like a backup quarterback yesterday. And I hate to
say that about a guy, but I mean his line
didn't help him. I mean, ye, look, well, who was it?
The which I guess was Sam Donold who were playing
for the Jets, said he used to see ghosts, ghosts. Yet, yeah,
that guy saw army of ghosts.
Speaker 5 (16:33):
Yeah he was, he was seeing ghosts. I say, I'll
look a couple of different things. Figure into that. They're
starting running back on Marie Hampton was clearly hobbled with
an ankle injury. He was not one hundred percent. The
other thing too, Dan, they were playing with two backup tackles.
The left tackle and the right tackle were both backups,
and so I think that played a role in it
as well. But he certainly did not do himself any favors.
(16:55):
He didn't do a great job handling the pressure. The
Patriots came away with six sacts. Milton Williams got one
at the end of the game, you know, the kind
of the closer, you know, kind of a way way
to kind of close things out for the for the
Patriots in that one. But yeah, he did not do
a good job handling the pressure last night.
Speaker 2 (17:09):
Okay, you got a choice between Houston and Pittsburgh. It's
going to be one or the other coming into Gillette
next weekend. Who do you want to say?
Speaker 5 (17:16):
I think if you're a Patriots fan, you want to
see Pittsburgh. Houston's defense is really one of the best
in the league, you know, both against the running in
the past, so I think it's a tougher Yeah, in
the any other thing too. You want to get a
little revenge on the Steelers because the Steelers were the
one one of only a handful of teams this year
the beach. It came to Foxburn Beacher earlier in the season.
(17:38):
So I think for many reasons, the Patriots would rather
face the Steelers than the Texans next Sunday.
Speaker 2 (17:44):
We'll see, Chris. I always appreciate you joining us, particularly
the night after a big victory, and I always appreciate
reading your pieces in the Globe. As I tell all
my buddies at the Globe, you know, Kevin, Paul DuPont,
and Yeah, Bob Bryan and sew to say, it's the
best part of the Boston Globe, the best part of
the Boston Globe, particularly on Sunday. I'll sit there with
(18:09):
this Globe Sports page on Sunday and spend an hour
just going over the Globe Sports page. As you probably
can tell, I'm a big sports guy.
Speaker 5 (18:17):
I love it.
Speaker 2 (18:20):
Thanks, Chris, I appreciate it.
Speaker 5 (18:22):
I look forward to talking to you again, to my friend.
Speaker 2 (18:24):
Right back at your buddy, talk to you, sir Chris Price,
Boston Globe Sports Reporter. They are such a talented group
of people and they have been for years. Go back
to Lee Montfhil and all those those great writers, go
way back, way back. We get back. We're going to
talk about a really good idea and that is a
growing demand across the country for high schools to prep
(18:46):
high school students to get ready to manage their own
finances because real life is right around the corner. Going
to be talking with Billy Hensley, president and CEO of
a group called the National Endowment for Financial Education. It's
about time coming back on Nightside.
Speaker 1 (19:01):
Night Side with Dan Ray. I'm Boston's news radio.
Speaker 2 (19:07):
A lot of people graduate from high school for that man,
A lot of people graduate from college or graduate school
and don't know how to balance a checkbook, don't know
much about their finances at all. They borrow heavily from
credit card companies and pay only part of the credit
card bill every month. It creates night marriage of financial headaches.
(19:28):
With us. As Billy Hensley, he's a doctor, Billy Hensley,
President and CEO of the National Endowment for Financial Education,
nonprofit focused on financial education. First of all, Hensley tell
us exactly, it give us a little bit of background
on the National Endowment for Financial Education, and then I
want to talk about your group's efforts to respond to
(19:50):
the growing demand across the country for high schools to
prep their students to manage their financers in their real lives,
which are just in many cases just about to start.
Good evening, and welcome and happy twenty twenty six.
Speaker 4 (20:03):
Yes, happy twenty twenty six to you, and thank you
for bringing me on and talking about this. You know,
the National Endowment for Financial Education. We our mission is simple.
We champion effective financial education. And what we're trying to
do is remove any barriers for young people and adults
and you know, people of all ages really to have
(20:25):
access to this essential cornerstone life skill. And so we
do that through a lot of ways, you know, research
and data polling, which is some of what I'll mention
while we're chatting today. We also do this through advocacy work,
policy work, as well as awareness and keeping this top
at front end center for people of all ages.
Speaker 2 (20:45):
So what what have you? Has your data in your
polling discovery? Are young men and women or teenagers of
eighteen year olders you know, who are graduating from high
school and perhaps beginning a career, are not still in
the educational system. How prepared are they to deal with
(21:06):
the reality of paying their own bills and of buying
their own products?
Speaker 4 (21:12):
Right right? Well, you know, there's some positive news here
in our latest poll. Those who have taken a financial
education course are very happy they did. Eighty six percent
consider it a valuable to their financial lives, and those
who didn't and eighty two percent wish they had. So,
(21:34):
you know, and this matters because if you didn't take
the class of that population, seventy percent believe the quality
of their financial life would would be better. And nationally
this holds. This trend is very consistent with eighty three
percent of Americans saying their state should require a semester
or year long course to graduate.
Speaker 2 (21:56):
OK, you will ask you about it. Go ahead, all
example of what what do kids learn in these these courses? Uh?
You know, most of them know how to I guess,
get on the internet and and and buy products, and
they know stuff about I don't know. You know venmo
that I don't know anything about. Uh, And they know
(22:19):
how to do some some transactions that I don't have
a clue about. But what are the courses in high school?
Is it generally junior or generally senior year or is
it before that? And what are they? What are they?
What are they? What are the basics they're learning?
Speaker 4 (22:36):
Mostly the requirements I'll live within high school's age and
that can be anywhere from ninth grade, but most of
it is eleventh and twelfth grade. Now some states are
starting to on ramp this topic in middle school. And
you know, you can go all the way down to
preschool and learn some of the concepts. But we did
ask you know, what people want to see covered, what
is being covered in the classroom. And at the top
(22:58):
of the list, which is front of for us all
really when you think about things like inflation and so forth,
but spending and budgeting, saving, earning income, you know, how
you navigate the career ladder and move ahead investing, And
a topic that's especially important is understanding the financial system
and how you navigate that. You know, you were talking
(23:18):
about things that people don't know how to do. You
know when I came out of college in the nineties,
the financial products that were available then, in the way
that the system works, it's very different than it is now,
you know, to the examples you gave. And so we're
trying to create and advocate for financial education classes that
meet people where they are, which is covering topics that
(23:39):
are relevant and timely for them, that are talking about
things like Venmo and even bitcoin, so that we can
relate and give them the proper information to sort of
navigate through the noise.
Speaker 2 (23:50):
If it were answer, let me ask his question because
I'm older than you are. I graduated from college about
twenty years before you did, so don't do the math
publicly here. But you know, I actually still have a checkbook,
I actually still write checks. I prefer to write checks,
and I'm able to balance my checkbook and i'm i'm,
(24:11):
I'm don't the kids coming out of high school that
they get do they have checks anymore?
Speaker 5 (24:15):
Now?
Speaker 2 (24:15):
Is it all venmos and things like that?
Speaker 4 (24:19):
Well, you know, there is a there is a gap
between understanding that even though the debit card that proves
the purchase, that doesn't mean the money is going to
be there tomorrow when your rent hits, or your car
payment or your insurance hits. And so that, you know,
it's still essential to understand how do you keep track
of your money? You know, the vernacular of the checkbook
is sort of going away, but still being able to
(24:41):
monitor and budget. You know, it's a pairmit to living
your best financial life.
Speaker 2 (24:48):
Yeah, yeah, and I don't know. Look, I remember only
a few years ago when my bank would send me
back canceled checks, so you get your big statement every
month with some cancel checks. And then they started to
just put copies of the cancel checks. And now it's
all done just just electronically. And of course I talked
(25:08):
earlier this evening to a representative of the Boston Business
Bureau of the Better Boston Better Business Bureau and talked
about all sorts of scams that are now being done online.
It's almost as if we're pushing people away from things
like check books and all of that into the electronic
atmosphere where it's just you know, there are going to
(25:31):
be a lot of people, older people, younger people who
are going to be ripped off, and they're going to
lose thousands and thousands of dollars or tens of thousands
of dollars. I'm not happy about that, to be really
honest with you, I think the basic understanding is port.
I can remember being a little kid, and I can
remember going to the store, maybe the grocery store with
(25:54):
my parents, and I used to wonder. I watched my
father on my mom and over a twenty dollar bill
or a couple of twenty dollar bills, and they would
get more money back. Now, I wasn't small enough at
that age, which was probably three or four, to look
and say, well, at these they got in change. But
I used to say, wow, they gave them one bill
(26:16):
and they got three bills and some coins back, and
I thought to myself, no, I'm serious. I was thinking
this is pretty cool, and no one explained it to me.
At some point, my parents did explain to me that
they were getting changed. But I have a firm recollection
in my mind of saying, wow, how cool is that
you go to the grocery store. But I was a
(26:38):
three year old, or a four year old or a
five year old max at the time. That's why financial literacy,
I think, is just so important, even at a young age.
You know, I know that if they were retiring the penny,
we're not going to probably pretty soon have dollar. Maybe
they're gonna they want to get rid of cash. I
know that. I mean, this the scary new world we're
(27:01):
going into. What do you think I mean, are you
somebody who feels how it's just it's just evolution. We've
gone from bartering and as I said earlier, you know,
you'll you shoe my horses and I'll I'll allow you
to take one of the horses to ride to town.
And now we're cash, right, cash used to be kidding
it's it's not even a prince anymore. What's going on?
Speaker 4 (27:23):
Well, you know, the financial system will evolve whether we
want it to or not. So what we want is empowered,
thoughtfully engaged youth as they come out of you know,
sort of their homes and at school, out of these
protective environments, if you will, so that they know how
to sort through the noise. And you and I know
there's a lot of noise out there, and if we
(27:46):
you know, one of the things that financial education does,
and it's measured and proven many times, is that it
builds confidence in addition to the knowledge. So then you
will attack and kind of go forward with this topic
in a way that you feel confident. And you know,
we've got to make sure and assure that we're not
just at thirty states. We're hearing buzz about thirty two
(28:07):
states that are now added this as a graduation requirement.
We need to wake up the folks in Massachusetts in particular,
because there's not a graduation requirement there and you have
almost a million students that are missing out on this
and they're not going to be ready if we don't
take action and make demands and ask the state legislators
and the educators and principles and districts, you know, why
(28:30):
are you withholding this essential topic from our young people
so that they know how to navigate this financial landscape
when they are launching into life, and that that's how
we see it. You know, it's going to change, so
let's give people the tools to navigate that change, whether
whether it's sort of through hard cash or whether it's
through digital financial transactions, whatever, that is. What we want
(28:54):
is confident, thoughtfully trained folks who will know how to
ask for help when they need it. They'll raise their
hand and they're not ashamed to try to figure out,
you know, the right answer. And let's demistify the topic,
and let's engage parents in this and make sure that
every school in your entire listening area is saying, hey,
(29:14):
this is important, we need to do this.
Speaker 2 (29:16):
I'll tell you this, You're going to have a real
problem with the Massachusetts legislature. They are not interested in
this topic. No, I'm serious. If you if you end
up coming up here to testify, I'll put you on
a few nights before and we'll we'll preview your testimony.
But now our legislature, this is not a priority with
(29:37):
the Massachusetts legislature. And it's got nothing to do with politics.
It's got to do their Their interest is is returning
to office. They are not interested in looking at something
like this as a rule. As a rule, we have
an overwhelmingly democratic legislature and the Republicans are ineffectual because
there are so few of them, and the Democrats don't
(29:59):
have to respond on to this because they have such
a majority. So you got a real hill to climb
here in Massachusetts.
Speaker 4 (30:04):
But if we can help you out, yeah, yes, I
would love it. I mean, this is happening by with
bipartisan support in the other state and the others almost unanimous.
Speaker 2 (30:14):
Others.
Speaker 4 (30:15):
We hope they can. Yeah, a good example. You know,
maybe there's some fear missing out, but we do know
that Governor Healley established a K twelve Graduation Council, and
the council did back in October. You're after a report
that recommends this. Let's hope, you know, we keep talking
about it and maybe they will finally listen.
Speaker 2 (30:35):
Well, we'll talk about it anytime you want, and if
you are going to will will help you out because
it's something that I firmly believe in. My children both
went to private schools because I did not have enough
faith in the public education system here in Massachusetts. And
(30:55):
the teachers' union is the one that decides what gets
done and what does get done. And believe me, the
teachers union up here is very strong and they have
their own priorities, and I do not think this is
one of their priorities. So we may have a fight
in our hands, and I'll be happy to help you.
Speaker 4 (31:12):
Okay, well, I appreciate that.
Speaker 2 (31:15):
Welcome to doctor Hensley. Okay, thank you very much.
Speaker 4 (31:20):
But thank you for having me see anytime.
Speaker 2 (31:23):
All right, all right, when we get back here on
Night Side, we're going to do a rare redo, uh
a rain check for doctor Doug Coward. We had a
little bit of technical issues the other night. By the way,
I was mistaken. It was not the problem of WBZ.
There apparently was a national grid transformer that had impacted
(31:46):
a lot of businesses in the area. We were able
to work around it, but we lost our interview with
doctor Doug Coward, of veterinarian from California, who has written
a book in healing both ends of the leash. I
told him what happened. Back. Promise has made, Promises kept.
Right after this break on Nightside with doctor Doug Coward.
Speaker 1 (32:07):
You're on night Side with Dan Ray on Boston's news radio.
Speaker 2 (32:12):
Well, we had an interruption of an interview from last
Friday night rejoining us now as doctor Doug Coward his book.
He's a veterinarian in Orange County, California, his book in
Healing Both Ends of the Leash. I told you we'd
have you back, doctor Coward. How are you.
Speaker 6 (32:28):
I'm good, Thank you. I started, I pushed the wrong
button and cut you off.
Speaker 2 (32:31):
It was a national bridge, his mind is standing. He
was a transformer of a national grid transformer. I thought
it was our own equipment, and I was mistaken on that,
but it was very frustrating. So tell us about your
book in Healing Both Ends of the League of the Leash,
how real food, rest movement, and connection to the natural
(32:54):
world can restore vitality to animals and people alike.
Speaker 6 (32:59):
Go ahead, Yeah, it's a long story. I went to
vet school to be a wildlife vet, but there weren't
any jobs, so I ended up working for a wildlife dermatologist.
Mostly what we saw were dog or cats, but he
stressed that we should feed the certain food that he liked,
and I did see some dramatic improvements just changing food.
(33:22):
It was a commercial food. But then I was visiting
a winery with some family and saw the hope This
dog I'd ever seen running around like and swallowed a
jet engine and when I combat it to the wine corper.
What a beautiful dog she had. She said, if the
stupid bests have their way, he'd be dead, and to
make a runcle dog had hip dysplasia totally crippled it
(33:44):
four months and we had no solution other than told
her to get a new dog, the vetinary profession or
get new hips. And so this is in nineteen eighty eight.
She's in passer Robos, which is a horse country, and
she heard of a human chiropractor who had a reputation
for healing. So when I called the human chlorpractor up,
(34:05):
she just lit in the van, said I get them
off that stupid food, your stupid bet seed them. Then
you give them drugs that make them worse, and that's insane.
I felt so stupid. I go, I just graduated from
bed school. They tell us to do surgery. And so
she gave me read me the Riot Act again and
then she felt compassion for me because I was clueless.
(34:27):
And that's something quick inside, because I've seen wild bites
in Africa, India and Nepal, Indonesia when I was traveling
back from Australia where had been playing basketball after college,
and wild animals eat real food and they look great.
So I had five dogs scheduled for new hips, and
(34:48):
we had a huge waiting list in the eighties. So
I called them all up and said, I don't know
if this will work, that you be interested in trying
to feed food from a refrigerator, and they all said,
we'll do anything to get our pets out of pain.
And in thirty days, every single one was running and jumping,
never needed surgery, never needed medicine for the rest of
(35:09):
their lives. And I was just astonished.
Speaker 2 (35:12):
So when you say real food you're talking about, I
guess you know food that you would feed them, vegetables,
maybe fruit as well as you know meat, you know, beef, turkey,
things like that that most people would have in the
or many people would have been their refrigerator.
Speaker 6 (35:31):
Yeah, that's correct. Essentially, dogs have been living with us
for about twenty thousand years, eating whatever we gave them,
so they were used to eating our food, and we
were taught only scientifically formulated food, which turns out to
have some waste spots generated by the cooking process that
damaged both the friendly bacteria in the intestine now everybody
(35:54):
knows are super important and then also can damage the
liver and kidneys in the long run, so so many
good things.
Speaker 5 (36:01):
Hap.
Speaker 2 (36:01):
I got to tell you one of the things that
I had Kevili king chile Spaniel for I guess ten years,
well I know ten years. And he used to love
boy's head honey maple turkey, which was my favorite, and
I'd chop it up and slice it up and drop
it into his food. Now there are some foods out
(36:22):
commercially that are a little higher end, and their argument
is that it's much more like real food. I'm not
looking to you endorse any products, but is that a
step in the right direction, or do you think people
just should work out out of whatever they have in
their refrigerator?
Speaker 6 (36:41):
Oh? Absolutely, those are at least didn't exist, you know,
forty years ago when I was a young vat. But now, god,
there's you know, dozens of foods I see in the
refrigerator or refrigerator at grocery stores costco, and those are great.
The least expensive way, and sort of a fun way,
is just do the cooking yourself. And I'm a lazy guy.
(37:02):
I want to go surfing in the morning, so I
don't want to spend a lot of time cooking for
my dog. But it takes about two minutes to reheat
some vegetables and the meat is only cooked for about
a minute at the most. It's not like we eat
it where it's going to be thoroughly.
Speaker 2 (37:17):
I used to do that with burger. Just boil the
burger in some hot water and it gets great. But
you don't have to boil it a long time. Look. Yeah,
there's so much more to talk about here. People have
to buy your book. The book is called in Healing
Both Ends of the Leash by doctor Doug Coward. How
(37:39):
do they get it Amazon? I assume for sure. Any
other ways.
Speaker 6 (37:44):
Yeah, it's just published by some surfers and Carlsbad, California,
water Side, So it's available on Amazon. And if any
if any book sell, I'm donating the proceeds. And I
think you mentioned you have one. Is that the Shadow
Fund Shadow.
Speaker 2 (37:59):
Yeah, but that it's shadowfundne dot org if you want
to check it out Shadow fund ne dot org. It's
a great been around about fifteen years, done a lot
of good with that organization.
Speaker 6 (38:12):
I was impressed. I'll be donating tomorrow. Super impressed with
the law school and the veterinarians who created it.
Speaker 2 (38:19):
Well, it wasn't the veterinarians. It was the assistant dean
of the law school. Her name is Diane Sullivan, and
she I call her Saint Diane. I mean, you talk
about Saint Francis as sissy. Saint Diane Sullivan is a
modern day Saint Francis, a sissy. Trust me on that one. Okay,
get Rob will give you my direct line. Rob, give
(38:42):
doctor Coward my direct line. So if you need to
call me, Doug, if you don't mind me calling you Doug,
I can fill you in on that information on it.
But that's not my purpose. My purpose is to try
to help you sell some books. And I apologize for
the mess up last night, last Friday night, and I'm
so glad we got you back tonight.
Speaker 6 (39:00):
That's such an honor to speak. But there was someone
who's spoken to numerous presidents and I'm just a lowly
little shut down. And for all you do and for
your incredible work, again, I am so honored, and I
appreciate any minutes you spend with me. Thank you, Okay,
thank you.
Speaker 2 (39:17):
Doctor Coward. I appreciate it again. It's in healing both
ends of the leash. It's good for humans. And it's
good for their pets. Check it out. If you have
a pet, Doctor Doug Coward, Rob make sure you give
doctor Coward my phone numbers. We'll be back right after
the nine o'clock news here on Nightside, and I promise
you we have a great show for you tonight. Coming up,
(39:39):
we're going to talk with Marcel Vernon, former head of
the MCCA, a MCCA, and you're going to talk about
problems there, real problems. Uh, this is going to be
a compelling hour. Stay with us.
It's NIC's Eyes with Dan Ray. I'm going easy Boston's
News Radio.
Speaker 2 (00:06):
Well, here we go with another week of Nightside, and
this one, Ladies and Gentlemen, is a full week. It
is Monday night, January twelfth, twenty twenty five, not twenty
twenty five, twenty twenty six. What am I talking about?
It's twenty twenty six, the first time I have slipped.
Have you written any checks this year that are dated
(00:26):
twenty twenty five? I've written a couple. I'm not twenty
twenty five. So you know how it is. The year
turns and you just get a little You're got that
bad habit of writing twenty twenty five. So I just
changed it on my program sheet that I have in
front of me, and we're ready to go. Rob and
I will be here for a full week. I'm here Monday, Tuesday, Wednesday,
(00:46):
Thursday Friday this week every night eight to midnight. Rob
is going to be here as well, Right Rob, You
can't hear, but Rob just said right. He'll be here
every Monday, every night this week, Monday, Tuesday, Wednesday, Thursday
Friday from until midnight. Look, it's only about one hundred
hours now to midnight. As a matter for you can
do the math on that. I'm actually telling you the truth.
(01:07):
So one hundred hours from now and we'll be wrapping
this week, Rob, It's gonna go by crazy fast. We
have a great show tonight. We have four great guests
coming up, including a make good from Friday night. We'll
explain that. And then a little bit later on tonight,
we're going to be talking with the former CEO and
executive director of the Massachusetts Convention Center Authority, Marcel Vernon,
(01:29):
who got a real raw deal and it's an amazing story.
This is his first media, you know, electronic media interview.
We'll talk with Marcel Vernon as well as his attorney
on the case, Jeff Robbins, a great lawyer and if
(01:50):
you ever't need a good lawyer in Boston, you gotta
be talking to Jeff Robbins. And then at ten oh
five tonight we'll talk with the professor from Boston College
about what is going on in Iran Professor Banawas Easy
he is an Iranian scholar, has been in this country
for fifty five sixty years, sixty years at least spent
(02:13):
his childhood, I guess, and his teen years there, but
has Nobody knows more about Iran and what is going
on than our guest at ten o'clock. So if that
is of interest to you, and it should be, we
got the best guest tonight you could possibly imagine. We
have great guests this hour two. Let's start it off
with Paula Fleming, one of my favorite night side News
(02:34):
Update guests. Paula, of course, is with the Boston Better
Business Bureau. She's the chief Marketing and sales officer, and
she comes tonight with warnings. With New Year's resolutions, a
lot of people are looking to lose weight, and there's
a BBB Boston Better Business Bureau scam alert that advises
(02:55):
all to use caution when searching for weight loss products online. Paula,
I'm not in the market for weight loss. I did
it with Awaken one to eighty. Not the hard way,
an easy way, but the traditional way. What are these
scams we're talking about? First of all, Happy New Year, Paula.
Speaker 3 (03:13):
Thank you so much and thank you for having me.
Happy New Year to you and your listeners.
Speaker 2 (03:17):
Dan right, so help us out here. We want to
avoid prob so as you do, want to avoid problems
for our listeners, go right ahead.
Speaker 3 (03:26):
Yeah, So, the better Business Freer across the United States
has received numerous reports of fraud tied to weight loss.
A lot of us have seen these GLP one products,
and we want every listener of yours to stay informed
and protected. So here's what you need to know. These
scammers are targeting consumers using fake ads. You'll see them
on social media when you're scrolling through social media, texts, calls,
(03:47):
and fully online pharmacies to sell these so called weight
loss products. So there are legitimate weight loss products we've
heard of. One such as will go v for example,
is a hot item right now. They're legitimately prescribed for
diabetes and weight management. They're in high demand, and scammers
are taking advantage of that.
Speaker 4 (04:06):
Unfortunately, what are they doing.
Speaker 3 (04:10):
They are targeting people by using fake ads and deep fakes.
So they're using AI generated videos and images of celebrities.
Oprah Winfrey was one that unfortunately, her picture and videos
were deep faked and they were used to con people
into thinking that she was an you know, a user
(04:30):
of this and and it's unfortunate, but these products look
legitimate and they're not. And we we highly recommend that
if you're interested in one of these that you go
to a physician.
Speaker 2 (04:41):
Paul, when you when I see these deep fake ads,
which I understand they're done with a lot of celebrities
they are how do they they make it sound you
see the picture of the celebrity, Uh, the celebrity is doing,
you know, would appear to be doing the talking on
their own voice. And it's right, it's a hit on shot.
(05:03):
It's not like a voiced over where they're someone imitating
the voice. How do they make them look so real?
These deep fakes?
Speaker 3 (05:11):
Right, Well, that's exactly it AI. It's very difficult. It
does look like it is legitimate, and people, you know,
have trust in these celebrities and they might see an
actual legitimate weight loss journey for them, but it's not
tied to whatever ad you're clicking on. So if you
look at these ads, if the lips look slightly off, delayed,
(05:33):
or it's an unnatural look, it's a sign of an
AI or what we refer to as a deep fake technology,
and be suspicious if a famous person or doctor is
claiming a miracle weight loss result or pushing you to
buy immediately. Real medical professionals don't advertise prescriptions this way.
So take a step back and go ask for expertise,
(05:54):
feedback on what your goals are so they can outline
them and what is legitimate. We don't want you just
buying from a social media ad.
Speaker 2 (06:01):
It's unbelievable. I see these all the time, and I
must tell you I'm an inherently skeptical individual, but I
look at them and I try to find you know, tips,
But the words, it's their voice. I understand. They can
take a few words and then turn it into whatever,
(06:23):
you know, voice they want, whatever intonation they want. But
they then have this video where the person is looking
at you and the lips are moving, and you know
how when you watch sometimes I don't know, on television,
if an ad is not properly SYNCD, you'll say that
just looks a little off.
Speaker 4 (06:42):
They don't look a little off.
Speaker 2 (06:44):
They look better than ads that look a little off.
It's stunningly effective. And you're right. First of all, people
should be only going through legitimate medical resources. They should
not be you know, your doctor's office, get a prescription.
Don't don't buy this stuff. I mean, it's it's only
(07:04):
going to potentially harm you physically harm you. You don't
know what the what. You might just be buying placebos
which have no impact, but you might be buying stuff
that could actually harm you as well, and that's a
problem in.
Speaker 3 (07:19):
Addition, absolutely, And that's you know to your point. Technology
can make scams look incredibly convincing. But remember real healthcare
doesn't come from a social media real so one end out,
slow down, check it out, protect yourself. Visit BBB dot
org to see who all the details about the scams.
We have the scam Tracker to help and research the company.
(07:41):
Please separately, not through the link in a video or
an incoming text or email.
Speaker 2 (07:47):
Where do you do you have a scam checker on
your website? Did I hear you saying can they misunderstand that?
Speaker 4 (07:53):
Yes?
Speaker 3 (07:54):
No, you did not misunderstand me. We actually have the
BBB Scam Tracker can be easily found at BBB dot
org forward slash Scam Tracker And this is where you
can look at scams either buy keyword or in your
geographic area, your community locally. So I would encourage your
listeners take some time and go dig around in there.
And if you've been a victim of a scam, that's
(08:15):
where you can also notify us and help education is key,
so we appreciate it. If people do let us know
if they've been a victim of a scam or a
potential victim of a scam.
Speaker 2 (08:25):
A lot of people are embarrassed even to admit it.
But please follow Paula's advice. And again you can go
at any time to BBB for Better It's a Better
Business Bureau. I always sell the extra B in their
Boston but it's just BBB dot org slash scam tracker.
(08:46):
And if you are, if you have been scammed, look
let people know. Through the BBB you reach a lot
of people. You want to tell your friends, you want
to maybe call your local police department. There's just so
much of this stuff going on, Paula. It is frightening,
is frightening. Thank God for the BBB, for the Better
Business Bureau, for what you do.
Speaker 3 (09:05):
Thank you so much.
Speaker 2 (09:06):
Dan. All right, again, be careful, people, be careful. And
if you are using your credit card, you have to
be particularly credible because when you put those numbers in,
you just have no idea who was looking at those
numbers and what can happen. We live in this society
where we're gone from bartering. I'll give you water out
(09:29):
of my well if you help shoe my horses back
of the eighteen hundreds. I guess to now where it's
all electronic, and I know it sounds better, but it's
really not. In my opinion, we get back, I will
tell you what is better, and that is the twenty
twenty five, twenty six edition of the New England Patriots.
(09:51):
They just overwhelmed Los Angeles Chargers last night, and the
difference between the Patriots defail vents, you know, the Chargers
were pretty good. We're going to break it down with
Chris Price, Boston Globe sports reporter on towards the Super Bowl.
We're not gonna jinx anybody, but we'll talk with Chris
about what was the magic formula last night. It was
(10:16):
a great performance by the defense. I mean, justin Herbert
if he wasn't seeing ghosts last night at Chillette Stadium,
I don't think any quarterback ever will. We'll be back
on Nightside with Chris Price of the Boston Globe recapping
last night's Pats win over the LA Chargers formally the
San Diego Chargers.
Speaker 1 (10:39):
It's Night Side with on Boston's news radio.
Speaker 2 (10:44):
I think most of New England was watching the Patriots
demolish the Los Angeles Chargers last night. Nobody probably watched
it more closely than Chris Price of the Boston Globe
and Chris joins us. Now, Chris, I've watched a lot
of football games. I can go back to the days
of Bay p Really in the New England had the
Boston Patriots in the early nineteen sixties, and that was
(11:08):
a devastating performance by the Patriots last night. They looked
as good as any pro football team in my lifetime.
I mean just dominated. The defense dominated the Chargers. Did
you expect the game to go like that at all?
Speaker 5 (11:26):
I expected the Patriots to win, but I did not
expect the game to play out as it did. I
thought the Patriots to give him a couple of touchdowns
and they would be able to kind of impose their
will offensively on Los Angeles. But I did not anticipate
the defense fundamentally smothering what is a pretty good Chargers offense.
And so for me, Dan really in a lot of ways,
(11:48):
I don't want to kind of engage in hyperbole here,
but it reminded me a little bit of the two
thousand and one team that won a lot of games
on defense and special teams, and the offense did just
enough to kind of put some points on the board
and you know't allow them to come away with the wins.
So you know, it's a championship formula. So if I mean,
if they can, if they can keep on with that,
I think they're gonna be in good shape.
Speaker 2 (12:08):
Oh yeah, the Packers did that for years. Dallas did
that for years. I'll tell you what. It reminded me
of the Super Bowl, most recent Super Bowl that the
Patriots won, which I think was the when they I
think the school was identical sixteen to three when they
beat the Rams.
Speaker 5 (12:26):
Yeah, yeah, it was. It was very similar because again,
you know, you have an overwhelming defense led by in
the case of last night, led by a guy like
Milton Williams who was absolutely tremendous. And again you get
just enough offense. You get the touchdown, the late touchdown
pass from Drake me to Hunter Henry which made it
sixteen to three. You get three field goals from Andy Borgalas,
(12:46):
who was you know, on a weekend where it was
awful tough for other kickers, he was able to be
rock solid. So, like I said, it's a. It's a
really good formula. They need to be able to replicate
that moving forward, whether it's going to be Houston or
Pittsburgh in the next round. They need to kind of
keep that moment him, you know, kind of spinning, spinning
in the right direction.
Speaker 2 (13:02):
But Godless is a great story and that he had
a couple of miss field goals early in the season
and the Patriots were going to not change it up,
but Rabel must have seen something or you know, to
stick with the guy. He is now silent he is.
Speaker 5 (13:23):
He's also an interesting guy too, because he came out
of the University of Miami, had a great college career,
and like you said, he kind of stumbled a little
bit and nearly going in. One of the things when
it comes to kicking field goals, so much of it, yes,
so much of it is is a confidence thing. And
he talked to me about this the other day. I
wrote a piece for the Globe about it. That the
(13:43):
confidence that Rabel showed in him after his early struggles.
You know, if you remember he made the big kick
down in Miami, he's made you know, he made a
big kick to help him beat Buffalo. He made a
fifty nine yarder the last week of the regular season. Yeah,
this this is the young man who's really been able
to kind of pick up on those good vibes from
the head coach. And you know, ever since then, he's
really kind of you know, he's really had a point
(14:04):
in the right direction, is he not?
Speaker 2 (14:06):
I believe he's is. He's from South America originally.
Speaker 5 (14:10):
His family from Venezuela. Actually, yeah, and so they hear.
Speaker 2 (14:14):
That Venezuela right now, that's for sure.
Speaker 5 (14:16):
Yeah, exactly exactly. His brother was a kicker, and so
kind of it runs in the family a little bit.
So yeah, he's he's he's an interesting young man.
Speaker 2 (14:24):
Well, people don't understand the pressure that's on kickers because
at that point, it's it's eleven, it's ten guys that
got to make sure everything gets blocked out, but they
still got to kick the ball. The timing is so important,
and they got to look at look at the Giants
kicker that actually missed the ball. I've never seen that
happen in that game two or three weeks ago.
Speaker 5 (14:45):
Yeah, yeah, it's it's extraordinary because and also too of
these are guys who have oftentimes in these playoff games
that are decided by the closest of margins. They have
the fortune of the entire franchise in their hands. The
last regular season game, the Ravens kicker missed a chip
shot that would have given them a playoff berth and
would have knocked the Steelers out. The other night, the
(15:07):
green Bay kicker his missus played a rowan green Bay
losing to Chicago. So when you come across the kicker
who was able to execute in the biggest moments like
Boragalas has done or did on Sunday nights, you gotta
hold on to a guy.
Speaker 2 (15:19):
Like that, yeah, or guys like growing the prior Patriots
kickers Vinit Terry and you know, I mean those those
guy those guys were priceless. They're absolutely justless to think about.
Speaker 5 (15:33):
How about this? How about this Dan that twenty two
years ago this week Adam vin Terry kicked the deliver
the game winner in the snow against against the Raiders.
And so I think there was some good vibes in
the air when it came to Patriots and the Patriots
and the kicking game last night.
Speaker 2 (15:49):
And then I got to touch on Justin Herbert. I mean,
we don't see him much because he's a California, you know,
LA quarterback. He looked horrible yesterday. He looked he it
looked like, find me the backup quarterback at you know,
Colorado State, And that's what I would have expected. He
(16:10):
looked like a backup quarterback yesterday. And I hate to
say that about a guy, but I mean his line
didn't help him. I mean, ye, look, well, who was it?
The which I guess was Sam Donold who were playing
for the Jets, said he used to see ghosts, ghosts. Yet, yeah,
that guy saw army of ghosts.
Speaker 5 (16:33):
Yeah he was, he was seeing ghosts. I say, I'll
look a couple of different things. Figure into that. They're
starting running back on Marie Hampton was clearly hobbled with
an ankle injury. He was not one hundred percent. The
other thing too, Dan, they were playing with two backup tackles.
The left tackle and the right tackle were both backups,
and so I think that played a role in it
as well. But he certainly did not do himself any favors.
(16:55):
He didn't do a great job handling the pressure. The
Patriots came away with six sacts. Milton Williams got one
at the end of the game, you know, the kind
of the closer, you know, kind of a way way
to kind of close things out for the for the
Patriots in that one. But yeah, he did not do
a good job handling the pressure last night.
Speaker 2 (17:09):
Okay, you got a choice between Houston and Pittsburgh. It's
going to be one or the other coming into Gillette
next weekend. Who do you want to say?
Speaker 5 (17:16):
I think if you're a Patriots fan, you want to
see Pittsburgh. Houston's defense is really one of the best
in the league, you know, both against the running in
the past, so I think it's a tougher Yeah, in
the any other thing too. You want to get a
little revenge on the Steelers because the Steelers were the
one one of only a handful of teams this year
the beach. It came to Foxburn Beacher earlier in the season.
(17:38):
So I think for many reasons, the Patriots would rather
face the Steelers than the Texans next Sunday.
Speaker 2 (17:44):
We'll see, Chris. I always appreciate you joining us, particularly
the night after a big victory, and I always appreciate
reading your pieces in the Globe. As I tell all
my buddies at the Globe, you know, Kevin, Paul DuPont,
and Yeah, Bob Bryan and sew to say, it's the
best part of the Boston Globe, the best part of
the Boston Globe, particularly on Sunday. I'll sit there with
(18:09):
this Globe Sports page on Sunday and spend an hour
just going over the Globe Sports page. As you probably
can tell, I'm a big sports guy.
Speaker 5 (18:17):
I love it.
Speaker 2 (18:20):
Thanks, Chris, I appreciate it.
Speaker 5 (18:22):
I look forward to talking to you again, to my friend.
Speaker 2 (18:24):
Right back at your buddy, talk to you, sir Chris Price,
Boston Globe Sports Reporter. They are such a talented group
of people and they have been for years. Go back
to Lee Montfhil and all those those great writers, go
way back, way back. We get back. We're going to
talk about a really good idea and that is a
growing demand across the country for high schools to prep
(18:46):
high school students to get ready to manage their own
finances because real life is right around the corner. Going
to be talking with Billy Hensley, president and CEO of
a group called the National Endowment for Financial Education. It's
about time coming back on Nightside.
Speaker 1 (19:01):
Night Side with Dan Ray. I'm Boston's news radio.
Speaker 2 (19:07):
A lot of people graduate from high school for that man,
A lot of people graduate from college or graduate school
and don't know how to balance a checkbook, don't know
much about their finances at all. They borrow heavily from
credit card companies and pay only part of the credit
card bill every month. It creates night marriage of financial headaches.
(19:28):
With us. As Billy Hensley, he's a doctor, Billy Hensley,
President and CEO of the National Endowment for Financial Education,
nonprofit focused on financial education. First of all, Hensley tell
us exactly, it give us a little bit of background
on the National Endowment for Financial Education, and then I
want to talk about your group's efforts to respond to
(19:50):
the growing demand across the country for high schools to
prep their students to manage their financers in their real lives,
which are just in many cases just about to start.
Good evening, and welcome and happy twenty twenty six.
Speaker 4 (20:03):
Yes, happy twenty twenty six to you, and thank you
for bringing me on and talking about this. You know,
the National Endowment for Financial Education. We our mission is simple.
We champion effective financial education. And what we're trying to
do is remove any barriers for young people and adults
and you know, people of all ages really to have
(20:25):
access to this essential cornerstone life skill. And so we
do that through a lot of ways, you know, research
and data polling, which is some of what I'll mention
while we're chatting today. We also do this through advocacy work,
policy work, as well as awareness and keeping this top
at front end center for people of all ages.
Speaker 2 (20:45):
So what what have you? Has your data in your
polling discovery? Are young men and women or teenagers of
eighteen year olders you know, who are graduating from high
school and perhaps beginning a career, are not still in
the educational system. How prepared are they to deal with
(21:06):
the reality of paying their own bills and of buying
their own products?
Speaker 4 (21:12):
Right right? Well, you know, there's some positive news here
in our latest poll. Those who have taken a financial
education course are very happy they did. Eighty six percent
consider it a valuable to their financial lives, and those
who didn't and eighty two percent wish they had. So,
(21:34):
you know, and this matters because if you didn't take
the class of that population, seventy percent believe the quality
of their financial life would would be better. And nationally
this holds. This trend is very consistent with eighty three
percent of Americans saying their state should require a semester
or year long course to graduate.
Speaker 2 (21:56):
OK, you will ask you about it. Go ahead, all
example of what what do kids learn in these these courses? Uh?
You know, most of them know how to I guess,
get on the internet and and and buy products, and
they know stuff about I don't know. You know venmo
that I don't know anything about. Uh, And they know
(22:19):
how to do some some transactions that I don't have
a clue about. But what are the courses in high school?
Is it generally junior or generally senior year or is
it before that? And what are they? What are they?
What are they? What are the basics they're learning?
Speaker 4 (22:36):
Mostly the requirements I'll live within high school's age and
that can be anywhere from ninth grade, but most of
it is eleventh and twelfth grade. Now some states are
starting to on ramp this topic in middle school. And
you know, you can go all the way down to
preschool and learn some of the concepts. But we did
ask you know, what people want to see covered, what
is being covered in the classroom. And at the top
(22:58):
of the list, which is front of for us all
really when you think about things like inflation and so forth,
but spending and budgeting, saving, earning income, you know, how
you navigate the career ladder and move ahead investing, And
a topic that's especially important is understanding the financial system
and how you navigate that. You know, you were talking
(23:18):
about things that people don't know how to do. You
know when I came out of college in the nineties,
the financial products that were available then, in the way
that the system works, it's very different than it is now,
you know, to the examples you gave. And so we're
trying to create and advocate for financial education classes that
meet people where they are, which is covering topics that
(23:39):
are relevant and timely for them, that are talking about
things like Venmo and even bitcoin, so that we can
relate and give them the proper information to sort of
navigate through the noise.
Speaker 2 (23:50):
If it were answer, let me ask his question because
I'm older than you are. I graduated from college about
twenty years before you did, so don't do the math
publicly here. But you know, I actually still have a checkbook,
I actually still write checks. I prefer to write checks,
and I'm able to balance my checkbook and i'm i'm,
(24:11):
I'm don't the kids coming out of high school that
they get do they have checks anymore?
Speaker 5 (24:15):
Now?
Speaker 2 (24:15):
Is it all venmos and things like that?
Speaker 4 (24:19):
Well, you know, there is a there is a gap
between understanding that even though the debit card that proves
the purchase, that doesn't mean the money is going to
be there tomorrow when your rent hits, or your car
payment or your insurance hits. And so that, you know,
it's still essential to understand how do you keep track
of your money? You know, the vernacular of the checkbook
is sort of going away, but still being able to
(24:41):
monitor and budget. You know, it's a pairmit to living
your best financial life.
Speaker 2 (24:48):
Yeah, yeah, and I don't know. Look, I remember only
a few years ago when my bank would send me
back canceled checks, so you get your big statement every
month with some cancel checks. And then they started to
just put copies of the cancel checks. And now it's
all done just just electronically. And of course I talked
(25:08):
earlier this evening to a representative of the Boston Business
Bureau of the Better Boston Better Business Bureau and talked
about all sorts of scams that are now being done online.
It's almost as if we're pushing people away from things
like check books and all of that into the electronic
atmosphere where it's just you know, there are going to
(25:31):
be a lot of people, older people, younger people who
are going to be ripped off, and they're going to
lose thousands and thousands of dollars or tens of thousands
of dollars. I'm not happy about that, to be really
honest with you, I think the basic understanding is port.
I can remember being a little kid, and I can
remember going to the store, maybe the grocery store with
(25:54):
my parents, and I used to wonder. I watched my
father on my mom and over a twenty dollar bill
or a couple of twenty dollar bills, and they would
get more money back. Now, I wasn't small enough at
that age, which was probably three or four, to look
and say, well, at these they got in change. But
I used to say, wow, they gave them one bill
(26:16):
and they got three bills and some coins back, and
I thought to myself, no, I'm serious. I was thinking
this is pretty cool, and no one explained it to me.
At some point, my parents did explain to me that
they were getting changed. But I have a firm recollection
in my mind of saying, wow, how cool is that
you go to the grocery store. But I was a
(26:38):
three year old, or a four year old or a
five year old max at the time. That's why financial literacy,
I think, is just so important, even at a young age.
You know, I know that if they were retiring the penny,
we're not going to probably pretty soon have dollar. Maybe
they're gonna they want to get rid of cash. I
know that. I mean, this the scary new world we're
(27:01):
going into. What do you think I mean, are you
somebody who feels how it's just it's just evolution. We've
gone from bartering and as I said earlier, you know,
you'll you shoe my horses and I'll I'll allow you
to take one of the horses to ride to town.
And now we're cash, right, cash used to be kidding
it's it's not even a prince anymore. What's going on?
Speaker 4 (27:23):
Well, you know, the financial system will evolve whether we
want it to or not. So what we want is empowered,
thoughtfully engaged youth as they come out of you know,
sort of their homes and at school, out of these
protective environments, if you will, so that they know how
to sort through the noise. And you and I know
there's a lot of noise out there, and if we
(27:46):
you know, one of the things that financial education does,
and it's measured and proven many times, is that it
builds confidence in addition to the knowledge. So then you
will attack and kind of go forward with this topic
in a way that you feel confident. And you know,
we've got to make sure and assure that we're not
just at thirty states. We're hearing buzz about thirty two
(28:07):
states that are now added this as a graduation requirement.
We need to wake up the folks in Massachusetts in particular,
because there's not a graduation requirement there and you have
almost a million students that are missing out on this
and they're not going to be ready if we don't
take action and make demands and ask the state legislators
and the educators and principles and districts, you know, why
(28:30):
are you withholding this essential topic from our young people
so that they know how to navigate this financial landscape
when they are launching into life, and that that's how
we see it. You know, it's going to change, so
let's give people the tools to navigate that change, whether
whether it's sort of through hard cash or whether it's
through digital financial transactions, whatever, that is. What we want
(28:54):
is confident, thoughtfully trained folks who will know how to
ask for help when they need it. They'll raise their
hand and they're not ashamed to try to figure out,
you know, the right answer. And let's demistify the topic,
and let's engage parents in this and make sure that
every school in your entire listening area is saying, hey,
(29:14):
this is important, we need to do this.
Speaker 2 (29:16):
I'll tell you this, You're going to have a real
problem with the Massachusetts legislature. They are not interested in
this topic. No, I'm serious. If you if you end
up coming up here to testify, I'll put you on
a few nights before and we'll we'll preview your testimony.
But now our legislature, this is not a priority with
(29:37):
the Massachusetts legislature. And it's got nothing to do with politics.
It's got to do their Their interest is is returning
to office. They are not interested in looking at something
like this as a rule. As a rule, we have
an overwhelmingly democratic legislature and the Republicans are ineffectual because
there are so few of them, and the Democrats don't
(29:59):
have to respond on to this because they have such
a majority. So you got a real hill to climb
here in Massachusetts.
Speaker 4 (30:04):
But if we can help you out, yeah, yes, I
would love it. I mean, this is happening by with
bipartisan support in the other state and the others almost unanimous.
Speaker 2 (30:14):
Others.
Speaker 4 (30:15):
We hope they can. Yeah, a good example. You know,
maybe there's some fear missing out, but we do know
that Governor Healley established a K twelve Graduation Council, and
the council did back in October. You're after a report
that recommends this. Let's hope, you know, we keep talking
about it and maybe they will finally listen.
Speaker 2 (30:35):
Well, we'll talk about it anytime you want, and if
you are going to will will help you out because
it's something that I firmly believe in. My children both
went to private schools because I did not have enough
faith in the public education system here in Massachusetts. And
(30:55):
the teachers' union is the one that decides what gets
done and what does get done. And believe me, the
teachers union up here is very strong and they have
their own priorities, and I do not think this is
one of their priorities. So we may have a fight
in our hands, and I'll be happy to help you.
Speaker 4 (31:12):
Okay, well, I appreciate that.
Speaker 2 (31:15):
Welcome to doctor Hensley. Okay, thank you very much.
Speaker 4 (31:20):
But thank you for having me see anytime.
Speaker 2 (31:23):
All right, all right, when we get back here on
Night Side, we're going to do a rare redo, uh
a rain check for doctor Doug Coward. We had a
little bit of technical issues the other night. By the way,
I was mistaken. It was not the problem of WBZ.
There apparently was a national grid transformer that had impacted
(31:46):
a lot of businesses in the area. We were able
to work around it, but we lost our interview with
doctor Doug Coward, of veterinarian from California, who has written
a book in healing both ends of the leash. I
told him what happened. Back. Promise has made, Promises kept.
Right after this break on Nightside with doctor Doug Coward.
Speaker 1 (32:07):
You're on night Side with Dan Ray on Boston's news radio.
Speaker 2 (32:12):
Well, we had an interruption of an interview from last
Friday night rejoining us now as doctor Doug Coward his book.
He's a veterinarian in Orange County, California, his book in
Healing Both Ends of the Leash. I told you we'd
have you back, doctor Coward. How are you.
Speaker 6 (32:28):
I'm good, Thank you. I started, I pushed the wrong
button and cut you off.
Speaker 2 (32:31):
It was a national bridge, his mind is standing. He
was a transformer of a national grid transformer. I thought
it was our own equipment, and I was mistaken on that,
but it was very frustrating. So tell us about your
book in Healing Both Ends of the League of the Leash,
how real food, rest movement, and connection to the natural
(32:54):
world can restore vitality to animals and people alike.
Speaker 6 (32:59):
Go ahead, Yeah, it's a long story. I went to
vet school to be a wildlife vet, but there weren't
any jobs, so I ended up working for a wildlife dermatologist.
Mostly what we saw were dog or cats, but he
stressed that we should feed the certain food that he liked,
and I did see some dramatic improvements just changing food.
(33:22):
It was a commercial food. But then I was visiting
a winery with some family and saw the hope This
dog I'd ever seen running around like and swallowed a
jet engine and when I combat it to the wine corper.
What a beautiful dog she had. She said, if the
stupid bests have their way, he'd be dead, and to
make a runcle dog had hip dysplasia totally crippled it
(33:44):
four months and we had no solution other than told
her to get a new dog, the vetinary profession or
get new hips. And so this is in nineteen eighty eight.
She's in passer Robos, which is a horse country, and
she heard of a human chiropractor who had a reputation
for healing. So when I called the human chlorpractor up,
(34:05):
she just lit in the van, said I get them
off that stupid food, your stupid bet seed them. Then
you give them drugs that make them worse, and that's insane.
I felt so stupid. I go, I just graduated from
bed school. They tell us to do surgery. And so
she gave me read me the Riot Act again and
then she felt compassion for me because I was clueless.
(34:27):
And that's something quick inside, because I've seen wild bites
in Africa, India and Nepal, Indonesia when I was traveling
back from Australia where had been playing basketball after college,
and wild animals eat real food and they look great.
So I had five dogs scheduled for new hips, and
(34:48):
we had a huge waiting list in the eighties. So
I called them all up and said, I don't know
if this will work, that you be interested in trying
to feed food from a refrigerator, and they all said,
we'll do anything to get our pets out of pain.
And in thirty days, every single one was running and jumping,
never needed surgery, never needed medicine for the rest of
(35:09):
their lives. And I was just astonished.
Speaker 2 (35:12):
So when you say real food you're talking about, I
guess you know food that you would feed them, vegetables,
maybe fruit as well as you know meat, you know, beef, turkey,
things like that that most people would have in the
or many people would have been their refrigerator.
Speaker 6 (35:31):
Yeah, that's correct. Essentially, dogs have been living with us
for about twenty thousand years, eating whatever we gave them,
so they were used to eating our food, and we
were taught only scientifically formulated food, which turns out to
have some waste spots generated by the cooking process that
damaged both the friendly bacteria in the intestine now everybody
(35:54):
knows are super important and then also can damage the
liver and kidneys in the long run, so so many
good things.
Speaker 5 (36:01):
Hap.
Speaker 2 (36:01):
I got to tell you one of the things that
I had Kevili king chile Spaniel for I guess ten years,
well I know ten years. And he used to love
boy's head honey maple turkey, which was my favorite, and
I'd chop it up and slice it up and drop
it into his food. Now there are some foods out
(36:22):
commercially that are a little higher end, and their argument
is that it's much more like real food. I'm not
looking to you endorse any products, but is that a
step in the right direction, or do you think people
just should work out out of whatever they have in
their refrigerator?
Speaker 6 (36:41):
Oh? Absolutely, those are at least didn't exist, you know,
forty years ago when I was a young vat. But now, god,
there's you know, dozens of foods I see in the
refrigerator or refrigerator at grocery stores costco, and those are great.
The least expensive way, and sort of a fun way,
is just do the cooking yourself. And I'm a lazy guy.
(37:02):
I want to go surfing in the morning, so I
don't want to spend a lot of time cooking for
my dog. But it takes about two minutes to reheat
some vegetables and the meat is only cooked for about
a minute at the most. It's not like we eat
it where it's going to be thoroughly.
Speaker 2 (37:17):
I used to do that with burger. Just boil the
burger in some hot water and it gets great. But
you don't have to boil it a long time. Look. Yeah,
there's so much more to talk about here. People have
to buy your book. The book is called in Healing
Both Ends of the Leash by doctor Doug Coward. How
(37:39):
do they get it Amazon? I assume for sure. Any
other ways.
Speaker 6 (37:44):
Yeah, it's just published by some surfers and Carlsbad, California,
water Side, So it's available on Amazon. And if any
if any book sell, I'm donating the proceeds. And I
think you mentioned you have one. Is that the Shadow
Fund Shadow.
Speaker 2 (37:59):
Yeah, but that it's shadowfundne dot org if you want
to check it out Shadow fund ne dot org. It's
a great been around about fifteen years, done a lot
of good with that organization.
Speaker 6 (38:12):
I was impressed. I'll be donating tomorrow. Super impressed with
the law school and the veterinarians who created it.
Speaker 2 (38:19):
Well, it wasn't the veterinarians. It was the assistant dean
of the law school. Her name is Diane Sullivan, and
she I call her Saint Diane. I mean, you talk
about Saint Francis as sissy. Saint Diane Sullivan is a
modern day Saint Francis, a sissy. Trust me on that one. Okay,
get Rob will give you my direct line. Rob, give
(38:42):
doctor Coward my direct line. So if you need to
call me, Doug, if you don't mind me calling you Doug,
I can fill you in on that information on it.
But that's not my purpose. My purpose is to try
to help you sell some books. And I apologize for
the mess up last night, last Friday night, and I'm
so glad we got you back tonight.
Speaker 6 (39:00):
That's such an honor to speak. But there was someone
who's spoken to numerous presidents and I'm just a lowly
little shut down. And for all you do and for
your incredible work, again, I am so honored, and I
appreciate any minutes you spend with me. Thank you, Okay,
thank you.
Speaker 2 (39:17):
Doctor Coward. I appreciate it again. It's in healing both
ends of the leash. It's good for humans. And it's
good for their pets. Check it out. If you have
a pet, Doctor Doug Coward, Rob make sure you give
doctor Coward my phone numbers. We'll be back right after
the nine o'clock news here on Nightside, and I promise
you we have a great show for you tonight. Coming up,
(39:39):
we're going to talk with Marcel Vernon, former head of
the MCCA, a MCCA, and you're going to talk about
problems there, real problems. Uh, this is going to be
a compelling hour. Stay with us.
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