December 22, 2025 • 38 mins
We began the program with four interesting guests on topics we think you should know more about!
Adrian Oomer began giving to the Homeless Prevention Council in 2022, when he was in second grade, after learning there were people on the Cape in danger of losing their homes. Now, in grade 5, at age 10, he’s running a pop-up kitchen (Loco Dos) where customers can pre-order meals to support the Cape’s homeless.
Guest: Adrian Oomer, a fifth grader from Brewster, MA, who was named the “Philanthropist of the Year” by the Philanthropy Partners of the Cape and Islands
By now, most of your holiday shopping should be done….whew! But truthfully, that’s the least of your worries! Come January, the harsh reality of all that spending will kick in. Are you prepared to pay for it all? Some shoppers are still paying off debt from the 2024 holiday season! Sara’s here to help!
Guest: Sara Rathner, Credit Card Expert and Senior Writer for NerdWallet
Parkinson’s disease is now growing as a neurodegenerative disease faster than Alzheimer’s disease. Although Parkinson’s is on the rise, there are ways to reduce your risk of developing it.
Guest: Dr. Ray Dorsey, Director of the Center for the Brain & the Environment at the Atria Health and Research Institute
If your wallet feels thinner this year from all the holiday shopping, you may want to point the finger at A.I. Artificial Intelligence powered cyberattacks hit more than 80% of small businesses this year, and that cost is being passed on to you (the consumer)!
Guest: James Lee, President of the Identity Theft Resource Center
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 Night's Eyes with Dan Ray. I'm gugging easy Boston's
News Radio.
Speaker 2 (00:06):
Ooh Kyle, that's a Ohio. That's a tough one to see.
Riffsnin resnydergo, good guy, good bat off the bench. That's
one that should not have happened. But they'll still be
able to. I'm sure have a good season next season, hopefully.
My name is Dan Ray, and we are coming towards
the end of our season. Tonight is my ultimate night
(00:29):
Side for twenty twenty five. One more program. We have
a great show lined up for you tonight. We've got
four really interesting guests during the first hour and at
nine o'clock once Rob Brooks starts to take phone calls.
Really good article again today in the Boston Globe, John
Hilliard is following the case of Lens Joseph, little five
(00:52):
year old boy who was killed by his own bus
right after he got off that bus last April.
Speaker 3 (00:58):
We'll talk talk about.
Speaker 2 (01:01):
That and really a complete failure totally here in Boston
on that, which is really frustrating. Then we'll talk with
doctor Bronwin Carol. She's a pediatric emergency physician at Boston
Medical Center and she has a lot of experience in
dealing with children who are the victims of sexual abuse.
(01:21):
My name is Dan Ray and the host of Nightside,
heard here every Monday through Friday night.
Speaker 3 (01:26):
Well this week just Monday and Tuesday.
Speaker 2 (01:29):
Tomorrow night, I'll remind you is our Nightside Charity Combine,
in which we will profile between ten and midnight tomorrow
night in my broadcast year twenty great charity, some big,
some small.
Speaker 3 (01:39):
Some you've heard of, some.
Speaker 2 (01:40):
You haven't heard of, but you should be aware of
all of them. Maybe some of you at the end
of the year would like to make a contribution with charity.
Maybe some of you at the end of the year
would like to find a charity to become a volunteer
with during twenty twenty six. So we have lots going
on in these two final nights of night Side with
Dan Ray. I'll be back after the first of the
(02:02):
year into twenty twenty six. Now we're going to start
off tonight with a philanthropist, as a matter of fact,
going to talk about We're going to speak with the
philanthropist of the year down on Cape cod the gentlemen
who we're talking to. His name is Adrian Umer. He
(02:23):
began giving to the Homeless Prevention Council on the Cape
in twenty twenty two, when he was in the second grade. However,
after learning there were people on Cape cod whose circumstances
put them in danger of losing their homes. In grade five,
(02:43):
at age ten, he's running a pop up kitchen.
Speaker 3 (02:47):
Logo Dose is the name of it.
Speaker 2 (02:51):
Unbelievable activity for anyone, never mind a tenth grade. And
we're delighted to have Adrian with us tonight. He might
very well be the youngest person who has ever appeared
in the night Side News Update. Adrian, welcome to Nightside.
How are you tonight?
Speaker 4 (03:10):
I'm good. How are you?
Speaker 2 (03:11):
I'm doing great and I'm doing better now that I've
had a chance.
Speaker 3 (03:15):
To talk with you.
Speaker 2 (03:17):
Tell us about this pop up kitchen. Local Dose my
Spanish is a little not as good as it should be.
Local Dose, give us what does that mean?
Speaker 3 (03:28):
In English?
Speaker 4 (03:30):
It means crazy number two And I got it from
a restaurant in Boston called Logo, and that's my favorite
lest one, clearly enough that I wanted to make a
second version. I basically taste my name off of.
Speaker 1 (03:48):
Loco Local Dose.
Speaker 3 (03:50):
Oh, I see it now.
Speaker 2 (03:51):
So this was when you were growing up Logo was
your favorite restaurant in Boston. You're still growing up, I guess,
but you are a person who is wise beyond your
years and generous beyond your years. What got you in?
What got you involved in all of this activity? I
(04:14):
mean a lot of kids at ten o'clock at the
age of ten are not doing things you know, as
ambitious as you have done to help other people. How
did you get involved in all of this? What kicked
it off in your mind?
Speaker 4 (04:29):
So in second age had assembly at our school and
the guy came in and talked about homelessness, and I
never realized that people didn't have homes and their basic
need won't being met. Are really sad. And I came
home and wanted to donate on my Christmas money and
birthday money.
Speaker 2 (04:50):
I did, so you made a donation in twenty twenty two, which, yes,
which is very generous. I mean, most kids are holding
their Christmas money and their birthday money so they can
buy some some new game or something like that. So
you gave that up. But you also, as I understand
(05:12):
that you have a love of cooking. Most kids at
the age of ten love to eat, but very few
of them love to cook. How did you develop a
love to cook?
Speaker 3 (05:21):
To cook?
Speaker 4 (05:24):
Well, I started helping out in the kitchen when I
was five, but we do you think it started when
I was in front camp when I at the age
of a peace schooler in Boston, and I learned all
about anything that candy grown, and they said a few
goats and seconds and learned how to grow fast, produce.
Speaker 3 (05:49):
Interesting.
Speaker 2 (05:51):
So last summer you basically the way it worked. You're
in Brewster. I know where Brewster is. Brewster has some
great restaurants. There's a favorite restaurant in mine and Brewster
called the Spinnaker. I don't know if you know where
that is, but that's a really nice restaurant. There's probably
(06:12):
a lot of nice restaurants down on the Cape and
certainly in Brewster. So you did all the cooking in
the summer of twenty twenty five, and you donated. You
charged ten dollars, which is a really reasonable reasonable price,
and people would order in advance and then they would
(06:34):
come and pick up and pay for their meals, and
then that money you gave to the to the charity.
So tell us how did it work. How did you
publicize that, Hey, locals, Dose is open? And looking for customers.
You're in but I guess they call a pop up
restaurant out of your parents brewster kitchen. So how did
(06:59):
you publicize it and how'd you get it going?
Speaker 4 (07:03):
So in twenty twenty three, we created a website for
Loco Dells and we put our story on it and
our menu of the week, so then people could sit
out form DIGI literally go to my dad's email and
send it and then we at the end of the
(07:25):
week we had tick bye about like Friday, no Wednesday,
we would dic tarry up the orders and they decide
what we needed from the grocery store. One do we
cook and then it's usually this Sunday after they order
(07:45):
from twelve at twelve to come pick up. So we
have to sit in time from that from Wednesday to Sunday.
Speaker 2 (07:54):
So you had you had to Yeah, you got you
had to plan it, and I guess you probably got
a little bit of help from you mom and dad.
Speaker 3 (08:01):
You planned it.
Speaker 2 (08:02):
You you figured out the menu, you figured out what
you needed. You folks bought that bought the supplies, and
then you did all you did the cooking and then
the meals were ready to be picked up on Sunday,
So you had people coming over and uh uh you
you did a lot of great work. I'm told that
(08:24):
meatballs were one of your specialties. What what would they
get with meatballs? Did you do meat spaghetti and meatballs?
Who just do meatballs and let them do the sides?
Speaker 4 (08:36):
So usually I what do meatballs with a fried rice
on the bottom and then the meatballs. I put about
six on the top.
Speaker 2 (08:48):
Well, it sounds like it sounds like a great deal.
All the all the money went. Mindus standing is that
w BC TV named you one of their Chaine makers
in twenty twenty four, which is quite an honor.
Speaker 3 (09:03):
But I'll tell you it's a real honor to be
named the philanthropist of the year.
Speaker 2 (09:09):
Where do you think this is going to lead? Do
you think that maybe someday you'll run a restaurant on
your own after you, you know, finished with school and
open up a restaurant full time or where do you
think this might lead you in your life?
Speaker 3 (09:23):
Well?
Speaker 4 (09:23):
I don't think I could run restaurants with me. I
definitely need some help from other sets and people. But
I do hope that Local Doos gets big enough that
we can eventually have a tangible restaurant building. And I
(09:46):
also hope we will grow big enough that even the
basic needs are being met, and I think there's a
happy and joyful life.
Speaker 3 (09:56):
Yeah, well that's great.
Speaker 2 (09:57):
So what I'm saying is that this idea you might
become a restaurant owner Sunday. Obviously there are people who do.
Speaker 3 (10:05):
They open restaurants.
Speaker 2 (10:07):
They rent buildings or they buy a building, and then
they hire a staff.
Speaker 3 (10:12):
You'd have cooks in chefs, and you'd have.
Speaker 2 (10:17):
Waiters and waitresses and staff, and you know, I'm sure
could you see yourself owning a restaurant. You know, I'm
not saying when you're eleven or twelve, but maybe when
you're thirty or thirty five, you think that that might
be the thing that drives you. Whatever you have, whatever
you have a passion about is what's important. Obviously, sounds
(10:40):
like to me like you have a passion about cooking
and you have a passion about helping people, and restaurant
is just the perfect opportunity to do both of those
things together.
Speaker 4 (10:53):
Yeah, So I definitely can pixture myself owning a restaurant,
make enough money to donate, and I think that will
help support everyone basic needs.
Speaker 2 (11:07):
Oh, that's great. So what grade are you now? I'm
guessing fourth grade when you're ten years old.
Speaker 4 (11:14):
Now, I was born in August and I didn't do
kindergarten twice simon this glade.
Speaker 2 (11:21):
Wow, wow, boy, you're you're moving right along there. Next thing,
you'll be in high school and college. Well, Adrian on
behalf of everybody who's listening tonight. Thank you for being
who you are. Thank you for doing what you do.
Very few young youngsters your age have accomplished what you've
already accomplished in the first decade of your life. It's
(11:43):
going to be amazing to watch and see what you
do in your next decade or decades in your life.
You're going to be a great success or whatever you try.
And also you seem to be a great member of
the community. And congratulations. The Philanthropist of the Year honored
by the Philanthropy Partners of the Cape and Islands. Thanks Adrian,
(12:04):
We'll keep in touch, Okay, Thank you so much. And
I hope you and your family have great holidays.
Speaker 3 (12:09):
Okay, so do.
Speaker 4 (12:11):
I hope you have great holidays and even out there
has the best New Year.
Speaker 3 (12:16):
All right.
Speaker 2 (12:17):
Thanks Thanks Adrian, Thank you so much. Appreciate your time
to me. Not a great story, all right, we have
three more great stories as well. That's going to be
a tough, as we would say, a tough act to follow,
But in Adrian's case, it is not an act at all.
He is the real deal. Week go back on a
talk with Sarah Rathners. She's a credit card expert and
(12:37):
senior writer for Nerd Wallet. We'll be back as we
continue along on this Monday night. It is December twenty second.
We're getting very close to Christmas, very very close to
the to the beginning to the end of twenty five
and the start of twenty twenty six. Some of our
(12:58):
Jewish members in our audience are wrapping up Honukkah celebrations
as well, so there's a.
Speaker 3 (13:05):
Lot going on.
Speaker 2 (13:06):
Whatever you celebrate, we wish you the best holidays possible
and the most success in the new year. Back on Nightside,
my name is Dan Ray. Rob Brooks is back in
the control room. He'll get you going.
Speaker 1 (13:16):
Right after nine o'clock, It's Night Side with Dan Ray
on Boston's news radio.
Speaker 2 (13:25):
All right, well, that's a tough act to follow. Young
man ten year old feeding raising money his home kitchen
helping homeless people on the Cape. However, joining us now
is Sarah Rathner. Sarah's a credit card expert senior writer
for nerd Wallet. I think most of us, probably except
for me, have holiday shopping done, but that may become
(13:48):
the least of your worries come January, because the reality
of January, besides the fact that the holidays were over,
is you have to pay for your holiday spending. I
got any tips that people. You are a senior writer
for Nerdwallet.
Speaker 3 (14:05):
I am not a.
Speaker 2 (14:07):
Reader of nerdwallet, but it sounds like something I should
be reading here.
Speaker 5 (14:12):
You're a credit cards hope hopefully hopefully from here on out,
you check us out online nerdwallet dot com.
Speaker 6 (14:17):
Sure, yeah, and those of you.
Speaker 5 (14:19):
Listening right now might be frantically out in your cars,
hopping from store to store getting those last minute Christmas
related errands done and spending more money on top of
what you've already spent. And not only are you buying gifts,
but the cost of entertaining your loved ones is so expensive.
You're buying tons of groceries to cook a huge festive meal,
(14:39):
maybe more than one, maybe hosting relatives for several days
on ends. That's a lot of money to spend, and
so a lot of holiday shoppers are going to be
carrying credit card debt not just for the next couple
of months, but sometimes for the next year, maybe even
multiple years.
Speaker 7 (14:56):
Into the future.
Speaker 5 (14:57):
And so it is really important as we head into
January and.
Speaker 6 (15:00):
Set those years revolutions.
Speaker 5 (15:02):
You sit down, you look at your recent credit card statements,
you see where you are today, and you make a
plan for getting out of this debt as quickly as
you possibly can.
Speaker 3 (15:11):
Okay, so what is the plan?
Speaker 2 (15:12):
I mean, let's assume that you come January, your normal
credit card debt every month is three four hundred dollars.
And now this January, when you get that check that
bill in the mail or online, instead of being three
or four hundred, it's like two thousand or twenty two hundred.
Speaker 3 (15:34):
That's a big dut to crack.
Speaker 8 (15:37):
Absolutely, and you know, think about all the other financial
obligations you have over the course of a month, your
housing costs, transportation, childcare, medical expenses, health insurance premiums.
Speaker 5 (15:48):
When your credit card bills go way up, that's money
that you no longer have to meet those other needs.
And so that's why it's really important to as quickly
as your buddy. It allows chip away the credit card debt,
but not just that, look for ways to lower the
interest rate you're paying on your credit cards because average
credit card interest rates are over twenty two percent APR.
(16:12):
That's high, and that's just the average, so you could
be paying close to thirty percent APR depending on which
cards you carry, and so you want to find ways
to lower that interest payment so you save money while
you pay off this debt, and there are a couple
of different ways you can do that. The first is
with a balance transfer credit card. That's a credit card
that offers is zero percent interest promotion. We've seen long
(16:34):
periods of time twelve months, eighteen months, even close to
two years with no interest, and if you can time
your payments so that you are debt free by the
time that promotion ends, you could save hundreds or potentially
thousands of dollars on interest, depending on the size of
the balance you started with. But the paviat is that
you typically need good or excellent credit to qualify for
(16:56):
these cards. So if those if they're not an option
for you, or you simply just don't feel comfortable applying
for another credit card. You could also look into a
personal loan. It's not going to be zero percent interest,
but depending on what you qualify for, it could be
a lower interest rate than what you're paying on your
credit cards.
Speaker 3 (17:12):
Yeah.
Speaker 2 (17:12):
I mean if you go to your bank and somehow
could get a loan. I mean, first of all, I
thought they were usery laws, US U R Y laws
in America, but I guess credit companies have worked the
way around those.
Speaker 3 (17:23):
Uh and and you look at the fees.
Speaker 2 (17:25):
I'm one who never wants to pay any money to
a credit card. I want my credit card, I want
to have it available, but I want to pay it off.
Speaker 3 (17:32):
I don't overspend.
Speaker 2 (17:33):
You know all of the disciplines that we that you
have to engage in. But I you know, you can
go to your bank and you can get a loan,
even if it's an eight or nine percent. And I
don't know if there were banks that I have never
had to do this before. What would a bank loan
If you went to a bank and you had pretty
good credit and said, look, I got myself in over
my head, I got three thousand dollars in debt. What
(17:57):
what what would the would the bank? What would they
give you, I mean, would they give you six months
free of charge and get it done at that point
or what's the I mean that would be the best scenario.
Speaker 5 (18:07):
Well, basically, typically personal loans, they'll charge a set interest
rate for a defined period of time, and your monthly
payments are the same every month. And so let's say
you take out a three year loan at nine percent APR.
You are making equal monthly payments for three years and
then you are done because you can't add to the
(18:27):
debt while you have it, Unlike with credit cards, where
if you get into credit card debt, you can keep
spending money on the card as long as you make
at least the minimum payment every month. Your accounts in
good standing and you can keep spending up to the
credit limits, so your debt can grow and grow. But
an installment loan, like a personal loan, functions much like
your auto loan or mortgage does, where it is a
(18:48):
fixed amount of money that you've borrowed, it is a
fixed amount of time that you have to pay it back,
it's an interest rate that's not changing, and then you
make those payments until you're done.
Speaker 2 (18:57):
Sarah, this is all great advice. How can folks get
in touch you to give us that nerd wallet website again.
Speaker 5 (19:04):
Yes, you can find me and all of my colleagues
work at nerdwallet dot com. You can also comparison shops
for different financial products like credit cards and personal loans,
and if you have financial questions, come find us and
hopefully we can help answer them, so the next time
you're making a financial decision, you can move forward and
know that you are making the best decision for you.
Speaker 2 (19:24):
Sounds great, Sarah Rather, thank you very much for your
time tonight. You gave a lot of great advice, clearly
and concisely, and hopefully you've made things a little help
a little easier for some of our listeners. I appreciate
your time. Thank you so much.
Speaker 5 (19:38):
Thank you, thank you.
Speaker 3 (19:39):
You're very welcome.
Speaker 2 (19:41):
When we get back, we're going to talk with doctor
Ray Dorsey. He's the director of the Center for the
Brain and the Environment at the atrea health and research institute,
and we're going to talk about a tough disease, Parkinson's disease.
We have members of the bs family and specifically Jordan
Rich who is dealing with Parkinson's disease and find out
what's new and what you can do to take to
(20:03):
diminish the likelihood that you might develop this disease. And
that's what we will talk with doctor ray Dorsey amount
about right after the news at the bottom of the art.
We are a couple of minutes later. I apologize for.
Speaker 1 (20:15):
That with Dan Ray on Boston's News radio.
Speaker 3 (20:24):
All right, welcome back.
Speaker 2 (20:27):
If there is a more difficult disease then Parkinson's disease.
I don't know what it is. Which disease that would
be with me? Is doctor ray Dorsey, He's the director
of the Center for the Brain and the Environment at
the atrea Health and Research institute, doctor Dorsey. Is the
(20:47):
incidence of parkinson increasing over time? That is my sense?
Or is it just the incidence of diagnosis that is increasing.
Speaker 7 (20:58):
Thank you very much for having me delights with you
and with all your listeners. So when parkinsicus first described,
a sixty one year old physician in London noticed something
new on the streets and he described six individuals with
a rest tremor shuffling gate in a tendency to walk
forward and fall forward. When he saw this disease, he
said it was a described the medical literature, and he
(21:22):
described six individuals with it two years later, Oh.
Speaker 2 (21:28):
We got a bad connellion. People talked a whole up
for one second. We lost you there for a second.
Speaker 3 (21:34):
Sure, So I don't know if you're moving around.
Speaker 2 (21:36):
I hope you're not in a car, because sometimes we
get we get interruption of service. I think that you
were talking about the doctor in London who discovered this
two hundred years ago, and he had a phrase for
it which was instinctively, I guess, very descriptive.
Speaker 3 (21:56):
What was it called?
Speaker 7 (21:58):
He called it a shaking palsy. And then two hundred
years after he described the condition that he said had
not been describing in medical literature, you had an estimated
six million people have the disease. So how do you
go from a rare disease affecting six people in London
to one affecting over six million people worldwide in two
hundred years. It's not just diagnosis. It's not due to
(22:20):
changes in our genetics. It's principally due to changes in
our environment. The principal causes of parkincas do not lie
within us, but they're outside of us, and chemicals in
our food, water and air.
Speaker 2 (22:32):
Is everyone equally susceptible, depending upon their diet, or are
there a certain group of people who are who are
who are greaterly inclined if they happen to have that diet.
Speaker 7 (22:49):
Is the principal known susceptibilities is there are a small
number of people who carry a genetic risk factor and
mutation in a gene called GBA. It turns out that
those into viduals who are exposed to pesticides, for example,
appear to be have a heightened risk of Parkinsons disease,
and family members appear to be have about twice the
(23:09):
risk of developing parkinson disease. But for the vast majority
of Americans, the vast majority of people around the world
with Parkinson's disease, they have no family history, they have
no underlying genetic predecision to the disease. They're just principally
exposed to chemicals that are okay.
Speaker 2 (23:27):
So what can people do who are listening to my
show tonight, whether they're you know, teenagers or people who
are octogenarians, what can they do to reduce the chances
that they would develop I assume that that you know,
if you're working with high dose chemicals, but most people
(23:48):
aren't working with high dose chemicals but all of us
have chemicals in our home.
Speaker 3 (23:52):
What could be done?
Speaker 7 (23:53):
Sure, So in our book, we give you the Parkinson's
twenty five. Twenty five actions individuals can take in their
everyday life to reduce their risk of Parkinson's. Number one
is to wash your produce, even your organic ones. It
turns out that residues of pesticides are found on twenty
percent of common foods. Organic produce and dairy products have
lower levels of these pesticides, but it's still important to
(24:16):
wash your fruits and vegetables with water and perhaps a
little bit of soap or a vegetable wash. Other things
people can do. They can put a water filter on
their water, especially if they get their water from a well,
a private well, and the residents really critical because those
wells aren't regulated by the Safe Drinking Water Act, tend
to be in rural areas, tend to be near farms
that often use pesticides that can contaminate the underlying groundwater.
(24:40):
An air purifier for almost all Americans is really helpful
in terms of decreasing exposure to high levels of air
pollution that are in many parts of the country. There's
twenty two other recommendations in the book.
Speaker 2 (24:51):
Okay, so let's see how people can get the book.
The book is Ending Parkinson's Disease and The Parkinson's Place
in twenty twenty five. I think there's two books here.
Speaker 7 (25:03):
Correct, Yes, the first book is The Ending Parkins's a
new book which has the twenty five recommendations. It's called
The Parkinson's Plan. It can be got Amazon or wherever
people like to get their books. And again the name
of the book is The Parkinson's Plan and people can
learn more about it on Amazon or on our website
Pdplan dot org.
Speaker 3 (25:22):
Okay, let me ask you a question.
Speaker 2 (25:24):
I see ads on television on some of the cable
network channels where they have a woman who says, you've
got to wash your vegetables and wash your fruit, which
sounds to me like what you're saying. Do you suggest
that people wash the fruit and wash the vegetables with
water or I forget what the product is, but I'm
sure most of my audience have seen it. At some
(25:46):
point she would run the vegetables under some water, and
then should spray whatever the item is and then run
it underwater and then see more stuff. Is there stuff
on the market that you would recommend that would be
safe and effective, or is it just wash them with water?
Speaker 7 (26:05):
In your opinion, So, the Department of Agriculture, when it
measures the residues of pesticides on an apple, for example,
if they do so after they've held the apple under
cold water for fifteen to twenty seconds. So that's what
the federal government does. I suggest people what I do
is I have a glass bowl. I put my organic
apples into the bowl. I fill it with water, and
I put it with a little bit of vegetable wash,
(26:27):
just like we wash ourselves with water and soap. Some
of the pesticides that are used on fruit because are
fat loving, so they only come off when you use
a little bit of vegetable wash. I buy a bottle
for four dollars at the grocery store and it lasts
me six months. Other studies have looked at vinegar and
salt solutions and they can be effective as well.
Speaker 2 (26:46):
So vinegar wash is I'm going to get you time.
I'm a big apple guy, and I tend to rinse,
rinse it like within two seconds, so I'm wasting my time.
It sounds to me when I do that.
Speaker 7 (26:59):
It's a start. It's a start, and one of the
most common pesticides sprayed on apple orchards is a pest
acidity called color purifoss. It's estimated to cost twenty six
million American children seventeen million IQ points. The EPA banned
it in twenty twenty one, but it's manufacturers successfully sue
to overturn that ban, allowing a pesticide that kills dope
(27:22):
be producing nerve cells in the lab to be used
once again on apple orchards across the United States.
Speaker 2 (27:28):
Well, I wish that I had this conversation with you
about thirty or forty years ago. Probably this this knowledge
was not available at the time. So if you're out
there and you've heard what doctor Dorsey said, the book
is the Parkinson's Plan. You co wrote it with doctor
Michael Oakham. And I'll tell you this sounds to me
(27:51):
just so necessary for every family, every person to get
this book. And I don't say that I say that
very rarely, but knowing the devastation of Parkinson's disease.
Speaker 7 (28:03):
And so I think your listeners need to understand that
Parkins's is not an inevitable consequence of aging. This is
a preventable disease. The disease you know, rose from almost
a non existent two hundred years ago to the world's
fastest growing brain diseases. There are diseases, have causes, and
the principal causes of Parkins These are chemicals in our fruit,
(28:23):
water and air. If your listeners stopped getting exposed to
those chemicals, they can reduce their risk of Parkinson's and
slow their rate of progression if they're already affected.
Speaker 2 (28:32):
So it's it's conceivable that you can reverse this process.
Speaker 3 (28:35):
I mean, if you.
Speaker 7 (28:36):
Can slow, you can slow it. Just like if you're
a smoker and you get diagnosed with lung cancer, what's
the first thing the doctor's going to tell you to do.
Stop smoking? If you're diagnosed with Parkin's disease. We need
to stop having people get exposed to pesticide in their food,
dry cleaning chemicals in their water, and outdoor air pollution.
Speaker 2 (28:55):
Great great advice, Doctor Dorsey. Thank you so much. We'd
love to have you back and this maybe every every
three or four months, just to help people. Thank you
so much tonight for your time. I really appreciate it.
Speaker 7 (29:07):
My pleasure and happy to holidays you and your listener.
Speaker 3 (29:09):
Same to you as well.
Speaker 2 (29:10):
When we get back We're going to talk about another
problem with the holidays and also with artificial intelligence, and
that is identity theft.
Speaker 3 (29:17):
Going to talk with James Lee.
Speaker 2 (29:19):
He's the president of the Identity Theft Resource Center. Right
here on Nightside, coming back right after the break.
Speaker 1 (29:25):
You're on Night Side with Dan Ray on WBZ, Boston's
news radio.
Speaker 3 (29:31):
Joining us is James Lee.
Speaker 2 (29:32):
He's the president of the Identity Theft Resource Center. I
got a feeling that the Identity Theft Resource Center is
going to become a much busier place in the years ahead.
Speaker 3 (29:44):
How are you, James Lee?
Speaker 6 (29:47):
I am doing well. How are you, Knight Dan?
Speaker 3 (29:49):
I'm doing fine.
Speaker 2 (29:50):
Look, everybody is aware of artificial intelligence, which can be
used for the good.
Speaker 3 (29:56):
But it also can be used for the negative.
Speaker 2 (29:58):
It apparently has the ability to power cyber attacks hitting
small businesses, and of course that cost gets passed on
to people. But are we more and more exposed to
identity theft in our lives? No matter what we do?
I mean, all of us have you know, twenty five passwords?
So you know, I mean all of us assume that
(30:21):
we are all target rich environments. Give me some good
news if you got any.
Speaker 6 (30:29):
Well, well, I guess The good news is there's a
lot we could actually do to help protect ourselves. But
you're right, You're absolutely right. We are all at risk,
and we're all at risk in ways we didn't really
think of necessarily, even just a couple of years ago.
And and it really is everybody. It's not a matter
(30:50):
of old people, young people, people in the middle of
the country, people on the coast, people in the cities,
people in the country. Everybody. Everybody is a target.
Speaker 3 (30:59):
So what can we do?
Speaker 2 (31:00):
I mean, all of us had bank accounts. Everybody is
migrating away from I actually went to the bank today
and cashed at check, I should say, deposited a check.
I thought to myself, when was the last time I
deposited a check? Is it's all now done electronically? The
government makes you do it electronically if you have any
sort of or your employer makes you start to do
(31:22):
it electronically. Are they just pushing us off a cliff?
Speaker 6 (31:29):
You know, in some respects, they're a lot more secure
if people followed you know, some good basic I've developed
some good basic habits. You know, it is actually more
secure in most every way now cash is still the
absolute most secure way, But you know, cash is something
that we don't see very often anymore, and in fact,
(31:51):
some places won't even take it. So the thing that
most people have to to kind of get in their
head is there's really two First one is they are
at target. This idea that I don't have anything anyone
would want is wrong. So once you kind of get
that in your head that I have to protect myself,
(32:12):
then there are certain things you have to do. Starting
with you have to ask a question every time, is
this really who I'm doing business with? Is it really
who I think they are? And do some basic due
diligence before you engage in any kind of transaction with somebody.
Don't click on that link.
Speaker 1 (32:31):
We all know that.
Speaker 6 (32:32):
Don't respond to that text. We should know that. And
if we think that really is our bank, don't reply online.
Look at that phone number on the back of your card.
Call that number, ask for the fraud department and say
did you really contact me? Did I really win that
new car? Whatever it is that you know that somebody's
(32:54):
trying to get me to do, just take a beat
and use my question.
Speaker 2 (32:59):
You say, a great guy to ask this question, Okay,
And I'm being honest with you. I was on the
phone today trying to order a gift for some friends
of mine who live a couple thousand miles away. And
so I call up this company and I'll tell you
the name of the company, Harry David. Okay, they advertise
(33:19):
like hell, and you couldn't get through to a person.
And I started to read the reviews of people. This
was a big company, and the reviews are just awful.
I mean I read the reviews that I said to myself,
I'm not dealing with this company because the reviews were horrible.
The bottom line is that in the old days, you'd
(33:40):
call someone, you talk with them on the phone, you'd execute,
you know, an agreement. And now we've moved into this
new world which is going to destroy all of us.
And I don't want to sound like a troglodyte, but
I guess I am.
Speaker 6 (33:57):
Well, you know, every now and then I do think
that that I should I should just move back into
a cave and.
Speaker 3 (34:05):
Cave no, I don't want to go. Look.
Speaker 2 (34:06):
I can remember as a young man, every Saturday I
was working in television in the mid seventies, and to
take my paycheck to this bank, I knew that I
had put that paycheck.
Speaker 3 (34:21):
In the bank.
Speaker 2 (34:21):
Why have we decided to get away from that? Because
it's cost people's jobs. They were no longer bank tellers
unless you have a great bank like the bank I
go to Eastern Bank. But a lot of the banks,
I mean it's it's they're trying to put they're trying
to lay people off, whether it's at the grocery store.
I talk about this a lot, James, And as you
(34:42):
can tell, I'm not a I am not a fan
of the.
Speaker 3 (34:44):
Direction of which we're headed.
Speaker 1 (34:46):
Yeah.
Speaker 6 (34:47):
Well, you know, a lot of that was was all
about convenience and and reality is a lot of people
like it, but a lot of and the same thing
when we when we introduced online commerce, you know, we
started doing everything over the internet. That was all about convenience.
And now to go back the other way would be
so disruptive that you talk about people losing their jobs.
(35:11):
You'd have almost the same level disruption going back the
other way. And the simple fact that this usually blows
people's mind when I say this, We literally do not
have room to put all the paper forms we used
to generate. So if we went back to using paper
and we save things on paper instead of saving them
to the cloud, or saving them to some sort of
(35:32):
hard drive. We went back to paper. There's literally not
enough storage base, there's literally not enough paper manufacturing capacity.
So we're in this place where we have put ourselves,
where convenience is the most important, and unfortunately security has
become an afterthought, not forethought.
Speaker 2 (35:53):
Let me tell you, if you're going for a walk
in the woods alone sometime and after about an hour,
you get this bad feeling that maybe you're in an
area where you're in over your head. It may be
inconvenient to back out of the woods, but at least
it's safe.
Speaker 3 (36:06):
I really mean this seriously.
Speaker 2 (36:08):
What happens when there's some sort of electro magnetic impulse
that takes the banking system down.
Speaker 3 (36:15):
And I'm not some.
Speaker 2 (36:15):
Crazy person who's got key and beans in my cellar
waiting for the end of the world, but I'm telling
you there's a real problem here, and we're heading towards
the cliff. We're heading to a cliff, and there's some
group of people who are going to benefit from this,
and it's not you and me, James telling you.
Speaker 6 (36:36):
Well, and that's a little bit of this report we
put out is trying to let people, especially small businesses know,
as if they didn't know already, they're a target and
they need to be preparing for their business for how
to respond when somebody attacks them.
Speaker 2 (36:54):
Okay, so maybe help them real quickly. How can they
get your report? Because I've gone on a little bit
too long to go.
Speaker 3 (37:00):
But how can you get the report?
Speaker 6 (37:02):
The easiest way is they just come to our website,
and that's id Theftcenter dot org. So we're a nonprofit,
we're not we and our services are free to individuals
and if and for small businesses, we have some very
low cost things that help them protect their business. But
come to id Theftcenter dot org and we can you
(37:25):
can download our reports. We have the Small Business Report,
We have one on consumers too, how consumers are impacted,
and there's always free information on that site to help
you protect yourself.
Speaker 3 (37:36):
All right, James, thank you very much. Hope you have
a great Do you celebrate Christmas?
Speaker 6 (37:40):
I do celebrate christ well, I say.
Speaker 2 (37:42):
Merry Christmas, because if I knew you sell it whatever
you say. If you told me you celebrated Kwanza, I'd
wish you happy Kwanza or happy Festives or whatever. But
if you celebrate Christmas. Merry Christmas.
Speaker 6 (37:54):
Well, thank you very much, and the same to you.
If you celebrate Christmas, I do, I do well you
and your family, Thank.
Speaker 3 (38:01):
You very much.
Speaker 2 (38:01):
James talk again, thank you very much. When we get back,
we're going to talk about the death of Lens Joseph
and how this could have been foreseen and avoided. Coming
back right after the nine o'clock news on a Monday
night edition of Nightside,
It's Night's Eyes with Dan Ray. I'm gugging easy Boston's
News Radio.
Speaker 2 (00:06):
Ooh Kyle, that's a Ohio. That's a tough one to see.
Riffsnin resnydergo, good guy, good bat off the bench. That's
one that should not have happened. But they'll still be
able to. I'm sure have a good season next season, hopefully.
My name is Dan Ray, and we are coming towards
the end of our season. Tonight is my ultimate night
(00:29):
Side for twenty twenty five. One more program. We have
a great show lined up for you tonight. We've got
four really interesting guests during the first hour and at
nine o'clock once Rob Brooks starts to take phone calls.
Really good article again today in the Boston Globe, John
Hilliard is following the case of Lens Joseph, little five
(00:52):
year old boy who was killed by his own bus
right after he got off that bus last April.
Speaker 3 (00:58):
We'll talk talk about.
Speaker 2 (01:01):
That and really a complete failure totally here in Boston
on that, which is really frustrating. Then we'll talk with
doctor Bronwin Carol. She's a pediatric emergency physician at Boston
Medical Center and she has a lot of experience in
dealing with children who are the victims of sexual abuse.
(01:21):
My name is Dan Ray and the host of Nightside,
heard here every Monday through Friday night.
Speaker 3 (01:26):
Well this week just Monday and Tuesday.
Speaker 2 (01:29):
Tomorrow night, I'll remind you is our Nightside Charity Combine,
in which we will profile between ten and midnight tomorrow
night in my broadcast year twenty great charity, some big,
some small.
Speaker 3 (01:39):
Some you've heard of, some.
Speaker 2 (01:40):
You haven't heard of, but you should be aware of
all of them. Maybe some of you at the end
of the year would like to make a contribution with charity.
Maybe some of you at the end of the year
would like to find a charity to become a volunteer
with during twenty twenty six. So we have lots going
on in these two final nights of night Side with
Dan Ray. I'll be back after the first of the
(02:02):
year into twenty twenty six. Now we're going to start
off tonight with a philanthropist, as a matter of fact,
going to talk about We're going to speak with the
philanthropist of the year down on Cape cod the gentlemen
who we're talking to. His name is Adrian Umer. He
(02:23):
began giving to the Homeless Prevention Council on the Cape
in twenty twenty two, when he was in the second grade. However,
after learning there were people on Cape cod whose circumstances
put them in danger of losing their homes. In grade five,
(02:43):
at age ten, he's running a pop up kitchen.
Speaker 3 (02:47):
Logo Dose is the name of it.
Speaker 2 (02:51):
Unbelievable activity for anyone, never mind a tenth grade. And
we're delighted to have Adrian with us tonight. He might
very well be the youngest person who has ever appeared
in the night Side News Update. Adrian, welcome to Nightside.
How are you tonight?
Speaker 4 (03:10):
I'm good. How are you?
Speaker 2 (03:11):
I'm doing great and I'm doing better now that I've
had a chance.
Speaker 3 (03:15):
To talk with you.
Speaker 2 (03:17):
Tell us about this pop up kitchen. Local Dose my
Spanish is a little not as good as it should be.
Local Dose, give us what does that mean?
Speaker 3 (03:28):
In English?
Speaker 4 (03:30):
It means crazy number two And I got it from
a restaurant in Boston called Logo, and that's my favorite
lest one, clearly enough that I wanted to make a
second version. I basically taste my name off of.
Speaker 1 (03:48):
Loco Local Dose.
Speaker 3 (03:50):
Oh, I see it now.
Speaker 2 (03:51):
So this was when you were growing up Logo was
your favorite restaurant in Boston. You're still growing up, I guess,
but you are a person who is wise beyond your
years and generous beyond your years. What got you in?
What got you involved in all of this activity? I
(04:14):
mean a lot of kids at ten o'clock at the
age of ten are not doing things you know, as
ambitious as you have done to help other people. How
did you get involved in all of this? What kicked
it off in your mind?
Speaker 4 (04:29):
So in second age had assembly at our school and
the guy came in and talked about homelessness, and I
never realized that people didn't have homes and their basic
need won't being met. Are really sad. And I came
home and wanted to donate on my Christmas money and
birthday money.
Speaker 2 (04:50):
I did, so you made a donation in twenty twenty two, which, yes,
which is very generous. I mean, most kids are holding
their Christmas money and their birthday money so they can
buy some some new game or something like that. So
you gave that up. But you also, as I understand
(05:12):
that you have a love of cooking. Most kids at
the age of ten love to eat, but very few
of them love to cook. How did you develop a
love to cook?
Speaker 3 (05:21):
To cook?
Speaker 4 (05:24):
Well, I started helping out in the kitchen when I
was five, but we do you think it started when
I was in front camp when I at the age
of a peace schooler in Boston, and I learned all
about anything that candy grown, and they said a few
goats and seconds and learned how to grow fast, produce.
Speaker 3 (05:49):
Interesting.
Speaker 2 (05:51):
So last summer you basically the way it worked. You're
in Brewster. I know where Brewster is. Brewster has some
great restaurants. There's a favorite restaurant in mine and Brewster
called the Spinnaker. I don't know if you know where
that is, but that's a really nice restaurant. There's probably
(06:12):
a lot of nice restaurants down on the Cape and
certainly in Brewster. So you did all the cooking in
the summer of twenty twenty five, and you donated. You
charged ten dollars, which is a really reasonable reasonable price,
and people would order in advance and then they would
(06:34):
come and pick up and pay for their meals, and
then that money you gave to the to the charity.
So tell us how did it work. How did you
publicize that, Hey, locals, Dose is open? And looking for customers.
You're in but I guess they call a pop up
restaurant out of your parents brewster kitchen. So how did
(06:59):
you publicize it and how'd you get it going?
Speaker 4 (07:03):
So in twenty twenty three, we created a website for
Loco Dells and we put our story on it and
our menu of the week, so then people could sit
out form DIGI literally go to my dad's email and
send it and then we at the end of the
(07:25):
week we had tick bye about like Friday, no Wednesday,
we would dic tarry up the orders and they decide
what we needed from the grocery store. One do we
cook and then it's usually this Sunday after they order
(07:45):
from twelve at twelve to come pick up. So we
have to sit in time from that from Wednesday to Sunday.
Speaker 2 (07:54):
So you had you had to Yeah, you got you
had to plan it, and I guess you probably got
a little bit of help from you mom and dad.
Speaker 3 (08:01):
You planned it.
Speaker 2 (08:02):
You you figured out the menu, you figured out what
you needed. You folks bought that bought the supplies, and
then you did all you did the cooking and then
the meals were ready to be picked up on Sunday,
So you had people coming over and uh uh you
you did a lot of great work. I'm told that
(08:24):
meatballs were one of your specialties. What what would they
get with meatballs? Did you do meat spaghetti and meatballs?
Who just do meatballs and let them do the sides?
Speaker 4 (08:36):
So usually I what do meatballs with a fried rice
on the bottom and then the meatballs. I put about
six on the top.
Speaker 2 (08:48):
Well, it sounds like it sounds like a great deal.
All the all the money went. Mindus standing is that
w BC TV named you one of their Chaine makers
in twenty twenty four, which is quite an honor.
Speaker 3 (09:03):
But I'll tell you it's a real honor to be
named the philanthropist of the year.
Speaker 2 (09:09):
Where do you think this is going to lead? Do
you think that maybe someday you'll run a restaurant on
your own after you, you know, finished with school and
open up a restaurant full time or where do you
think this might lead you in your life?
Speaker 3 (09:23):
Well?
Speaker 4 (09:23):
I don't think I could run restaurants with me. I
definitely need some help from other sets and people. But
I do hope that Local Doos gets big enough that
we can eventually have a tangible restaurant building. And I
(09:46):
also hope we will grow big enough that even the
basic needs are being met, and I think there's a
happy and joyful life.
Speaker 3 (09:56):
Yeah, well that's great.
Speaker 2 (09:57):
So what I'm saying is that this idea you might
become a restaurant owner Sunday. Obviously there are people who do.
Speaker 3 (10:05):
They open restaurants.
Speaker 2 (10:07):
They rent buildings or they buy a building, and then
they hire a staff.
Speaker 3 (10:12):
You'd have cooks in chefs, and you'd have.
Speaker 2 (10:17):
Waiters and waitresses and staff, and you know, I'm sure
could you see yourself owning a restaurant. You know, I'm
not saying when you're eleven or twelve, but maybe when
you're thirty or thirty five, you think that that might
be the thing that drives you. Whatever you have, whatever
you have a passion about is what's important. Obviously, sounds
(10:40):
like to me like you have a passion about cooking
and you have a passion about helping people, and restaurant
is just the perfect opportunity to do both of those
things together.
Speaker 4 (10:53):
Yeah, So I definitely can pixture myself owning a restaurant,
make enough money to donate, and I think that will
help support everyone basic needs.
Speaker 2 (11:07):
Oh, that's great. So what grade are you now? I'm
guessing fourth grade when you're ten years old.
Speaker 4 (11:14):
Now, I was born in August and I didn't do
kindergarten twice simon this glade.
Speaker 2 (11:21):
Wow, wow, boy, you're you're moving right along there. Next thing,
you'll be in high school and college. Well, Adrian on
behalf of everybody who's listening tonight. Thank you for being
who you are. Thank you for doing what you do.
Very few young youngsters your age have accomplished what you've
already accomplished in the first decade of your life. It's
(11:43):
going to be amazing to watch and see what you
do in your next decade or decades in your life.
You're going to be a great success or whatever you try.
And also you seem to be a great member of
the community. And congratulations. The Philanthropist of the Year honored
by the Philanthropy Partners of the Cape and Islands. Thanks Adrian,
(12:04):
We'll keep in touch, Okay, Thank you so much. And
I hope you and your family have great holidays.
Speaker 3 (12:09):
Okay, so do.
Speaker 4 (12:11):
I hope you have great holidays and even out there
has the best New Year.
Speaker 3 (12:16):
All right.
Speaker 2 (12:17):
Thanks Thanks Adrian, Thank you so much. Appreciate your time
to me. Not a great story, all right, we have
three more great stories as well. That's going to be
a tough, as we would say, a tough act to follow,
But in Adrian's case, it is not an act at all.
He is the real deal. Week go back on a
talk with Sarah Rathners. She's a credit card expert and
(12:37):
senior writer for Nerd Wallet. We'll be back as we
continue along on this Monday night. It is December twenty second.
We're getting very close to Christmas, very very close to
the to the beginning to the end of twenty five
and the start of twenty twenty six. Some of our
(12:58):
Jewish members in our audience are wrapping up Honukkah celebrations
as well, so there's a.
Speaker 3 (13:05):
Lot going on.
Speaker 2 (13:06):
Whatever you celebrate, we wish you the best holidays possible
and the most success in the new year. Back on Nightside,
my name is Dan Ray. Rob Brooks is back in
the control room. He'll get you going.
Speaker 1 (13:16):
Right after nine o'clock, It's Night Side with Dan Ray
on Boston's news radio.
Speaker 2 (13:25):
All right, well, that's a tough act to follow. Young
man ten year old feeding raising money his home kitchen
helping homeless people on the Cape. However, joining us now
is Sarah Rathner. Sarah's a credit card expert senior writer
for nerd Wallet. I think most of us, probably except
for me, have holiday shopping done, but that may become
(13:48):
the least of your worries come January, because the reality
of January, besides the fact that the holidays were over,
is you have to pay for your holiday spending. I
got any tips that people. You are a senior writer
for Nerdwallet.
Speaker 3 (14:05):
I am not a.
Speaker 2 (14:07):
Reader of nerdwallet, but it sounds like something I should
be reading here.
Speaker 5 (14:12):
You're a credit cards hope hopefully hopefully from here on out,
you check us out online nerdwallet dot com.
Speaker 6 (14:17):
Sure, yeah, and those of you.
Speaker 5 (14:19):
Listening right now might be frantically out in your cars,
hopping from store to store getting those last minute Christmas
related errands done and spending more money on top of
what you've already spent. And not only are you buying gifts,
but the cost of entertaining your loved ones is so expensive.
You're buying tons of groceries to cook a huge festive meal,
(14:39):
maybe more than one, maybe hosting relatives for several days
on ends. That's a lot of money to spend, and
so a lot of holiday shoppers are going to be
carrying credit card debt not just for the next couple
of months, but sometimes for the next year, maybe even
multiple years.
Speaker 7 (14:56):
Into the future.
Speaker 5 (14:57):
And so it is really important as we head into
January and.
Speaker 6 (15:00):
Set those years revolutions.
Speaker 5 (15:02):
You sit down, you look at your recent credit card statements,
you see where you are today, and you make a
plan for getting out of this debt as quickly as
you possibly can.
Speaker 3 (15:11):
Okay, so what is the plan?
Speaker 2 (15:12):
I mean, let's assume that you come January, your normal
credit card debt every month is three four hundred dollars.
And now this January, when you get that check that
bill in the mail or online, instead of being three
or four hundred, it's like two thousand or twenty two hundred.
Speaker 3 (15:34):
That's a big dut to crack.
Speaker 8 (15:37):
Absolutely, and you know, think about all the other financial
obligations you have over the course of a month, your
housing costs, transportation, childcare, medical expenses, health insurance premiums.
Speaker 5 (15:48):
When your credit card bills go way up, that's money
that you no longer have to meet those other needs.
And so that's why it's really important to as quickly
as your buddy. It allows chip away the credit card debt,
but not just that, look for ways to lower the
interest rate you're paying on your credit cards because average
credit card interest rates are over twenty two percent APR.
(16:12):
That's high, and that's just the average, so you could
be paying close to thirty percent APR depending on which
cards you carry, and so you want to find ways
to lower that interest payment so you save money while
you pay off this debt, and there are a couple
of different ways you can do that. The first is
with a balance transfer credit card. That's a credit card
that offers is zero percent interest promotion. We've seen long
(16:34):
periods of time twelve months, eighteen months, even close to
two years with no interest, and if you can time
your payments so that you are debt free by the
time that promotion ends, you could save hundreds or potentially
thousands of dollars on interest, depending on the size of
the balance you started with. But the paviat is that
you typically need good or excellent credit to qualify for
(16:56):
these cards. So if those if they're not an option
for you, or you simply just don't feel comfortable applying
for another credit card. You could also look into a
personal loan. It's not going to be zero percent interest,
but depending on what you qualify for, it could be
a lower interest rate than what you're paying on your
credit cards.
Speaker 3 (17:12):
Yeah.
Speaker 2 (17:12):
I mean if you go to your bank and somehow
could get a loan. I mean, first of all, I
thought they were usery laws, US U R Y laws
in America, but I guess credit companies have worked the
way around those.
Speaker 3 (17:23):
Uh and and you look at the fees.
Speaker 2 (17:25):
I'm one who never wants to pay any money to
a credit card. I want my credit card, I want
to have it available, but I want to pay it off.
Speaker 3 (17:32):
I don't overspend.
Speaker 2 (17:33):
You know all of the disciplines that we that you
have to engage in. But I you know, you can
go to your bank and you can get a loan,
even if it's an eight or nine percent. And I
don't know if there were banks that I have never
had to do this before. What would a bank loan
If you went to a bank and you had pretty
good credit and said, look, I got myself in over
my head, I got three thousand dollars in debt. What
(17:57):
what what would the would the bank? What would they
give you, I mean, would they give you six months
free of charge and get it done at that point
or what's the I mean that would be the best scenario.
Speaker 5 (18:07):
Well, basically, typically personal loans, they'll charge a set interest
rate for a defined period of time, and your monthly
payments are the same every month. And so let's say
you take out a three year loan at nine percent APR.
You are making equal monthly payments for three years and
then you are done because you can't add to the
(18:27):
debt while you have it, Unlike with credit cards, where
if you get into credit card debt, you can keep
spending money on the card as long as you make
at least the minimum payment every month. Your accounts in
good standing and you can keep spending up to the
credit limits, so your debt can grow and grow. But
an installment loan, like a personal loan, functions much like
your auto loan or mortgage does, where it is a
(18:48):
fixed amount of money that you've borrowed, it is a
fixed amount of time that you have to pay it back,
it's an interest rate that's not changing, and then you
make those payments until you're done.
Speaker 2 (18:57):
Sarah, this is all great advice. How can folks get
in touch you to give us that nerd wallet website again.
Speaker 5 (19:04):
Yes, you can find me and all of my colleagues
work at nerdwallet dot com. You can also comparison shops
for different financial products like credit cards and personal loans,
and if you have financial questions, come find us and
hopefully we can help answer them, so the next time
you're making a financial decision, you can move forward and
know that you are making the best decision for you.
Speaker 2 (19:24):
Sounds great, Sarah Rather, thank you very much for your
time tonight. You gave a lot of great advice, clearly
and concisely, and hopefully you've made things a little help
a little easier for some of our listeners. I appreciate
your time. Thank you so much.
Speaker 5 (19:38):
Thank you, thank you.
Speaker 3 (19:39):
You're very welcome.
Speaker 2 (19:41):
When we get back, we're going to talk with doctor
Ray Dorsey. He's the director of the Center for the
Brain and the Environment at the atrea health and research institute,
and we're going to talk about a tough disease, Parkinson's disease.
We have members of the bs family and specifically Jordan
Rich who is dealing with Parkinson's disease and find out
what's new and what you can do to take to
(20:03):
diminish the likelihood that you might develop this disease. And
that's what we will talk with doctor ray Dorsey amount
about right after the news at the bottom of the art.
We are a couple of minutes later. I apologize for.
Speaker 1 (20:15):
That with Dan Ray on Boston's News radio.
Speaker 3 (20:24):
All right, welcome back.
Speaker 2 (20:27):
If there is a more difficult disease then Parkinson's disease.
I don't know what it is. Which disease that would
be with me? Is doctor ray Dorsey, He's the director
of the Center for the Brain and the Environment at
the atrea Health and Research institute, doctor Dorsey. Is the
(20:47):
incidence of parkinson increasing over time? That is my sense?
Or is it just the incidence of diagnosis that is increasing.
Speaker 7 (20:58):
Thank you very much for having me delights with you
and with all your listeners. So when parkinsicus first described,
a sixty one year old physician in London noticed something
new on the streets and he described six individuals with
a rest tremor shuffling gate in a tendency to walk
forward and fall forward. When he saw this disease, he
said it was a described the medical literature, and he
(21:22):
described six individuals with it two years later, Oh.
Speaker 2 (21:28):
We got a bad connellion. People talked a whole up
for one second. We lost you there for a second.
Speaker 3 (21:34):
Sure, So I don't know if you're moving around.
Speaker 2 (21:36):
I hope you're not in a car, because sometimes we
get we get interruption of service. I think that you
were talking about the doctor in London who discovered this
two hundred years ago, and he had a phrase for
it which was instinctively, I guess, very descriptive.
Speaker 3 (21:56):
What was it called?
Speaker 7 (21:58):
He called it a shaking palsy. And then two hundred
years after he described the condition that he said had
not been describing in medical literature, you had an estimated
six million people have the disease. So how do you
go from a rare disease affecting six people in London
to one affecting over six million people worldwide in two
hundred years. It's not just diagnosis. It's not due to
(22:20):
changes in our genetics. It's principally due to changes in
our environment. The principal causes of parkincas do not lie
within us, but they're outside of us, and chemicals in
our food, water and air.
Speaker 2 (22:32):
Is everyone equally susceptible, depending upon their diet, or are
there a certain group of people who are who are
who are greaterly inclined if they happen to have that diet.
Speaker 7 (22:49):
Is the principal known susceptibilities is there are a small
number of people who carry a genetic risk factor and
mutation in a gene called GBA. It turns out that
those into viduals who are exposed to pesticides, for example,
appear to be have a heightened risk of Parkinsons disease,
and family members appear to be have about twice the
(23:09):
risk of developing parkinson disease. But for the vast majority
of Americans, the vast majority of people around the world
with Parkinson's disease, they have no family history, they have
no underlying genetic predecision to the disease. They're just principally
exposed to chemicals that are okay.
Speaker 2 (23:27):
So what can people do who are listening to my
show tonight, whether they're you know, teenagers or people who
are octogenarians, what can they do to reduce the chances
that they would develop I assume that that you know,
if you're working with high dose chemicals, but most people
(23:48):
aren't working with high dose chemicals but all of us
have chemicals in our home.
Speaker 3 (23:52):
What could be done?
Speaker 7 (23:53):
Sure, So in our book, we give you the Parkinson's
twenty five. Twenty five actions individuals can take in their
everyday life to reduce their risk of Parkinson's. Number one
is to wash your produce, even your organic ones. It
turns out that residues of pesticides are found on twenty
percent of common foods. Organic produce and dairy products have
lower levels of these pesticides, but it's still important to
(24:16):
wash your fruits and vegetables with water and perhaps a
little bit of soap or a vegetable wash. Other things
people can do. They can put a water filter on
their water, especially if they get their water from a well,
a private well, and the residents really critical because those
wells aren't regulated by the Safe Drinking Water Act, tend
to be in rural areas, tend to be near farms
that often use pesticides that can contaminate the underlying groundwater.
(24:40):
An air purifier for almost all Americans is really helpful
in terms of decreasing exposure to high levels of air
pollution that are in many parts of the country. There's
twenty two other recommendations in the book.
Speaker 2 (24:51):
Okay, so let's see how people can get the book.
The book is Ending Parkinson's Disease and The Parkinson's Place
in twenty twenty five. I think there's two books here.
Speaker 7 (25:03):
Correct, Yes, the first book is The Ending Parkins's a
new book which has the twenty five recommendations. It's called
The Parkinson's Plan. It can be got Amazon or wherever
people like to get their books. And again the name
of the book is The Parkinson's Plan and people can
learn more about it on Amazon or on our website
Pdplan dot org.
Speaker 3 (25:22):
Okay, let me ask you a question.
Speaker 2 (25:24):
I see ads on television on some of the cable
network channels where they have a woman who says, you've
got to wash your vegetables and wash your fruit, which
sounds to me like what you're saying. Do you suggest
that people wash the fruit and wash the vegetables with
water or I forget what the product is, but I'm
sure most of my audience have seen it. At some
(25:46):
point she would run the vegetables under some water, and
then should spray whatever the item is and then run
it underwater and then see more stuff. Is there stuff
on the market that you would recommend that would be
safe and effective, or is it just wash them with water?
Speaker 7 (26:05):
In your opinion, So, the Department of Agriculture, when it
measures the residues of pesticides on an apple, for example,
if they do so after they've held the apple under
cold water for fifteen to twenty seconds. So that's what
the federal government does. I suggest people what I do
is I have a glass bowl. I put my organic
apples into the bowl. I fill it with water, and
I put it with a little bit of vegetable wash,
(26:27):
just like we wash ourselves with water and soap. Some
of the pesticides that are used on fruit because are
fat loving, so they only come off when you use
a little bit of vegetable wash. I buy a bottle
for four dollars at the grocery store and it lasts
me six months. Other studies have looked at vinegar and
salt solutions and they can be effective as well.
Speaker 2 (26:46):
So vinegar wash is I'm going to get you time.
I'm a big apple guy, and I tend to rinse,
rinse it like within two seconds, so I'm wasting my time.
It sounds to me when I do that.
Speaker 7 (26:59):
It's a start. It's a start, and one of the
most common pesticides sprayed on apple orchards is a pest
acidity called color purifoss. It's estimated to cost twenty six
million American children seventeen million IQ points. The EPA banned
it in twenty twenty one, but it's manufacturers successfully sue
to overturn that ban, allowing a pesticide that kills dope
(27:22):
be producing nerve cells in the lab to be used
once again on apple orchards across the United States.
Speaker 2 (27:28):
Well, I wish that I had this conversation with you
about thirty or forty years ago. Probably this this knowledge
was not available at the time. So if you're out
there and you've heard what doctor Dorsey said, the book
is the Parkinson's Plan. You co wrote it with doctor
Michael Oakham. And I'll tell you this sounds to me
(27:51):
just so necessary for every family, every person to get
this book. And I don't say that I say that
very rarely, but knowing the devastation of Parkinson's disease.
Speaker 7 (28:03):
And so I think your listeners need to understand that
Parkins's is not an inevitable consequence of aging. This is
a preventable disease. The disease you know, rose from almost
a non existent two hundred years ago to the world's
fastest growing brain diseases. There are diseases, have causes, and
the principal causes of Parkins These are chemicals in our fruit,
(28:23):
water and air. If your listeners stopped getting exposed to
those chemicals, they can reduce their risk of Parkinson's and
slow their rate of progression if they're already affected.
Speaker 2 (28:32):
So it's it's conceivable that you can reverse this process.
Speaker 3 (28:35):
I mean, if you.
Speaker 7 (28:36):
Can slow, you can slow it. Just like if you're
a smoker and you get diagnosed with lung cancer, what's
the first thing the doctor's going to tell you to do.
Stop smoking? If you're diagnosed with Parkin's disease. We need
to stop having people get exposed to pesticide in their food,
dry cleaning chemicals in their water, and outdoor air pollution.
Speaker 2 (28:55):
Great great advice, Doctor Dorsey. Thank you so much. We'd
love to have you back and this maybe every every
three or four months, just to help people. Thank you
so much tonight for your time. I really appreciate it.
Speaker 7 (29:07):
My pleasure and happy to holidays you and your listener.
Speaker 3 (29:09):
Same to you as well.
Speaker 2 (29:10):
When we get back We're going to talk about another
problem with the holidays and also with artificial intelligence, and
that is identity theft.
Speaker 3 (29:17):
Going to talk with James Lee.
Speaker 2 (29:19):
He's the president of the Identity Theft Resource Center. Right
here on Nightside, coming back right after the break.
Speaker 1 (29:25):
You're on Night Side with Dan Ray on WBZ, Boston's
news radio.
Speaker 3 (29:31):
Joining us is James Lee.
Speaker 2 (29:32):
He's the president of the Identity Theft Resource Center. I
got a feeling that the Identity Theft Resource Center is
going to become a much busier place in the years ahead.
Speaker 3 (29:44):
How are you, James Lee?
Speaker 6 (29:47):
I am doing well. How are you, Knight Dan?
Speaker 3 (29:49):
I'm doing fine.
Speaker 2 (29:50):
Look, everybody is aware of artificial intelligence, which can be
used for the good.
Speaker 3 (29:56):
But it also can be used for the negative.
Speaker 2 (29:58):
It apparently has the ability to power cyber attacks hitting
small businesses, and of course that cost gets passed on
to people. But are we more and more exposed to
identity theft in our lives? No matter what we do?
I mean, all of us have you know, twenty five passwords?
So you know, I mean all of us assume that
(30:21):
we are all target rich environments. Give me some good
news if you got any.
Speaker 6 (30:29):
Well, well, I guess The good news is there's a
lot we could actually do to help protect ourselves. But
you're right, You're absolutely right. We are all at risk,
and we're all at risk in ways we didn't really
think of necessarily, even just a couple of years ago.
And and it really is everybody. It's not a matter
(30:50):
of old people, young people, people in the middle of
the country, people on the coast, people in the cities,
people in the country. Everybody. Everybody is a target.
Speaker 3 (30:59):
So what can we do?
Speaker 2 (31:00):
I mean, all of us had bank accounts. Everybody is
migrating away from I actually went to the bank today
and cashed at check, I should say, deposited a check.
I thought to myself, when was the last time I
deposited a check? Is it's all now done electronically? The
government makes you do it electronically if you have any
sort of or your employer makes you start to do
(31:22):
it electronically. Are they just pushing us off a cliff?
Speaker 6 (31:29):
You know, in some respects, they're a lot more secure
if people followed you know, some good basic I've developed
some good basic habits. You know, it is actually more
secure in most every way now cash is still the
absolute most secure way, But you know, cash is something
that we don't see very often anymore, and in fact,
(31:51):
some places won't even take it. So the thing that
most people have to to kind of get in their
head is there's really two First one is they are
at target. This idea that I don't have anything anyone
would want is wrong. So once you kind of get
that in your head that I have to protect myself,
(32:12):
then there are certain things you have to do. Starting
with you have to ask a question every time, is
this really who I'm doing business with? Is it really
who I think they are? And do some basic due
diligence before you engage in any kind of transaction with somebody.
Don't click on that link.
Speaker 1 (32:31):
We all know that.
Speaker 6 (32:32):
Don't respond to that text. We should know that. And
if we think that really is our bank, don't reply online.
Look at that phone number on the back of your card.
Call that number, ask for the fraud department and say
did you really contact me? Did I really win that
new car? Whatever it is that you know that somebody's
(32:54):
trying to get me to do, just take a beat
and use my question.
Speaker 2 (32:59):
You say, a great guy to ask this question, Okay,
And I'm being honest with you. I was on the
phone today trying to order a gift for some friends
of mine who live a couple thousand miles away. And
so I call up this company and I'll tell you
the name of the company, Harry David. Okay, they advertise
(33:19):
like hell, and you couldn't get through to a person.
And I started to read the reviews of people. This
was a big company, and the reviews are just awful.
I mean I read the reviews that I said to myself,
I'm not dealing with this company because the reviews were horrible.
The bottom line is that in the old days, you'd
(33:40):
call someone, you talk with them on the phone, you'd execute,
you know, an agreement. And now we've moved into this
new world which is going to destroy all of us.
And I don't want to sound like a troglodyte, but
I guess I am.
Speaker 6 (33:57):
Well, you know, every now and then I do think
that that I should I should just move back into
a cave and.
Speaker 3 (34:05):
Cave no, I don't want to go. Look.
Speaker 2 (34:06):
I can remember as a young man, every Saturday I
was working in television in the mid seventies, and to
take my paycheck to this bank, I knew that I
had put that paycheck.
Speaker 3 (34:21):
In the bank.
Speaker 2 (34:21):
Why have we decided to get away from that? Because
it's cost people's jobs. They were no longer bank tellers
unless you have a great bank like the bank I
go to Eastern Bank. But a lot of the banks,
I mean it's it's they're trying to put they're trying
to lay people off, whether it's at the grocery store.
I talk about this a lot, James, And as you
(34:42):
can tell, I'm not a I am not a fan
of the.
Speaker 3 (34:44):
Direction of which we're headed.
Speaker 1 (34:46):
Yeah.
Speaker 6 (34:47):
Well, you know, a lot of that was was all
about convenience and and reality is a lot of people
like it, but a lot of and the same thing
when we when we introduced online commerce, you know, we
started doing everything over the internet. That was all about convenience.
And now to go back the other way would be
so disruptive that you talk about people losing their jobs.
(35:11):
You'd have almost the same level disruption going back the
other way. And the simple fact that this usually blows
people's mind when I say this, We literally do not
have room to put all the paper forms we used
to generate. So if we went back to using paper
and we save things on paper instead of saving them
to the cloud, or saving them to some sort of
(35:32):
hard drive. We went back to paper. There's literally not
enough storage base, there's literally not enough paper manufacturing capacity.
So we're in this place where we have put ourselves,
where convenience is the most important, and unfortunately security has
become an afterthought, not forethought.
Speaker 2 (35:53):
Let me tell you, if you're going for a walk
in the woods alone sometime and after about an hour,
you get this bad feeling that maybe you're in an
area where you're in over your head. It may be
inconvenient to back out of the woods, but at least
it's safe.
Speaker 3 (36:06):
I really mean this seriously.
Speaker 2 (36:08):
What happens when there's some sort of electro magnetic impulse
that takes the banking system down.
Speaker 3 (36:15):
And I'm not some.
Speaker 2 (36:15):
Crazy person who's got key and beans in my cellar
waiting for the end of the world, but I'm telling
you there's a real problem here, and we're heading towards
the cliff. We're heading to a cliff, and there's some
group of people who are going to benefit from this,
and it's not you and me, James telling you.
Speaker 6 (36:36):
Well, and that's a little bit of this report we
put out is trying to let people, especially small businesses know,
as if they didn't know already, they're a target and
they need to be preparing for their business for how
to respond when somebody attacks them.
Speaker 2 (36:54):
Okay, so maybe help them real quickly. How can they
get your report? Because I've gone on a little bit
too long to go.
Speaker 3 (37:00):
But how can you get the report?
Speaker 6 (37:02):
The easiest way is they just come to our website,
and that's id Theftcenter dot org. So we're a nonprofit,
we're not we and our services are free to individuals
and if and for small businesses, we have some very
low cost things that help them protect their business. But
come to id Theftcenter dot org and we can you
(37:25):
can download our reports. We have the Small Business Report,
We have one on consumers too, how consumers are impacted,
and there's always free information on that site to help
you protect yourself.
Speaker 3 (37:36):
All right, James, thank you very much. Hope you have
a great Do you celebrate Christmas?
Speaker 6 (37:40):
I do celebrate christ well, I say.
Speaker 2 (37:42):
Merry Christmas, because if I knew you sell it whatever
you say. If you told me you celebrated Kwanza, I'd
wish you happy Kwanza or happy Festives or whatever. But
if you celebrate Christmas. Merry Christmas.
Speaker 6 (37:54):
Well, thank you very much, and the same to you.
If you celebrate Christmas, I do, I do well you
and your family, Thank.
Speaker 3 (38:01):
You very much.
Speaker 2 (38:01):
James talk again, thank you very much. When we get back,
we're going to talk about the death of Lens Joseph
and how this could have been foreseen and avoided. Coming
back right after the nine o'clock news on a Monday
night edition of Nightside,
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