Speaker 1: It's Night Side with Dan Ray. I'm Boston Radio Icale.
Speaker 2: Hope you have a great weekend. It's going to be
Speaker 2: great weather wise, or wish the Patriots are playing back home,
Speaker 2: because I think it's going to be better weather here
Speaker 2: than in jolly old London. My name is Dan Ray.
Speaker 2: I'm the host of nightside'd heard every Monday through Friday night.
Speaker 2: This being a Friday night, it is the last night
Speaker 2: of this week. If you stick with us till midnight,
Speaker 2: I'll get you all the way to Saturday, well just
Speaker 2: right to the cusp of Saturday morning. So stay with us.
Speaker 2: We have very interesting guests coming up. If you'd like
Speaker 2: to have your dreams analyzed by a dream expert, we'll
Speaker 2: do that for you at nine o'clock. You can call
Speaker 2: in and talk about the type of dreams, maybe reoccurring
Speaker 2: dreams of some crazy dream you had, and this guest
Speaker 2: will be able to explain to you what it all means,
Speaker 2: I think. And then we're going to be talking with
Speaker 2: Bill Bratton, former police commissioner here in Boston and New York,
Speaker 2: and he's the police chief in Los Angeles. They don't
Speaker 2: have police commissioners, at least his title there was police chief,
Speaker 2: about security and not only domestic security but international security,
Speaker 2: security in the context of the next two and a
Speaker 2: half weeks between now and November fifth presidential election. And
Speaker 2: also there's some suggestions, some stories that are out and
Speaker 2: about that Iran has floated out some assassination teams looking
Speaker 2: to do damage in Western countries and all ask God
Speaker 2: Bill Bratton about that. And look, protecting our political leaders,
Speaker 2: be they democratic or Republican leaders a very very important
Speaker 2: role for the government to play, that's for sure. And
Speaker 2: then coming up tonight in the eleventh the twentieth hour
Speaker 2: or eleven o'clock hour tonight, which goes the twenty hour
Speaker 2: of the week, to talk about traffic etiquette. I mean,
Speaker 2: what have we talked about bad traffic driving a couple
Speaker 2: of weeks ago, about the sort of things you've seen
Speaker 2: people do. But I'm talking about traffic etiquette. You know,
Speaker 2: the person who sits in the left hand lane, he
Speaker 2: goes forty five miles an hour in sixty five mile
Speaker 2: an hour zone. Well, the person who's in the left
Speaker 2: hand lane doing seventy five and some knucklehead has to
Speaker 2: be up lasting their horn and flashing their lights. We'll
Speaker 2: get to all of that. People crazy drivers here in
Speaker 2: New England. I don't know why, but I think we
Speaker 2: are and we'll talk about that. But first, we have
Speaker 2: four really interesting guests for your consideration tonight, and we're
Speaker 2: going to start off with our first guest, who ironically
Speaker 2: is going to talk about election anxiety, amongst other things,
Speaker 2: Doctor Lee Richardson. Doctor Richardson, Welcome to Night Side. How
Speaker 2: are you tonight?
Speaker 3: I am good.
Speaker 4: Thank you for having me, Well.
Speaker 2: Thank you very much for joining us. So you're a
Speaker 2: licensed professional counselor and founder of the Brain Performance Center.
Speaker 2: But there was an article, I guess in Forbes Health
Speaker 2: that my producer saw about election anxiety, politics and mental health.
Speaker 2: So it's politics based driving people crazy. I guess that's
Speaker 2: the opening question.
Speaker 4: And there's a one word answer for that. Absolutely.
Speaker 5: Oh.
Speaker 2: I thought it was going to be yes. Okay, that's
Speaker 2: even more okay. So, other than the interfamilial disputes which
Speaker 2: clearly exist within our country, within everyone's family, I'm sure,
Speaker 2: why are people so hot and bothered about it?
Speaker 1: Well?
Speaker 4: They are. Actually it's cyclical. Every four years people get
Speaker 4: upset about the election, but this year I think it's
Speaker 4: really different. Think back, we didn't even know who was
Speaker 4: going to be running for the election, and is you
Speaker 4: know President Biden didn't run who was going to run?
Speaker 2: Well, no, he ran. He ran, and he won the
Speaker 2: nomination of the Democratic Party, and then he was counseled
Speaker 2: by some of the senior advisors that maybe he should
Speaker 2: step aside, so we have a new candidate. Yes, you're
Speaker 2: absolutely right there. So it's been kind of a wrinkle
Speaker 2: that we haven't seen in a long time in American politics,
Speaker 2: if ever.
Speaker 4: And I think that while he did run and did
Speaker 4: get denomination, the American public started doubting him way before that.
Speaker 4: And that's uncertainty, and with uncertainty comes fear and the unknown.
Speaker 4: And I think that this election, we're going into it
Speaker 4: and it's a really difficult time. If you look at
Speaker 4: what's going on around us worldwide, that plays into our
Speaker 4: consciousness and when you look at what's facing this inflation.
Speaker 4: I mean, there are many things other than the good
Speaker 4: old family battle as to who's right and who's wrong,
Speaker 4: and that lives on for generations.
Speaker 2: So okay, I think you have categorized the problem very accurately.
Speaker 2: I deal with this every night of the week, well
Speaker 2: not every night of the week, but most nights we
Speaker 2: do something on politics. Tonight, I don't think we will
Speaker 2: be doing anything on politics other than this interview, which
Speaker 2: is merely you're kind of around the edges and you're
Speaker 2: tangentle to it. And I will tell you that I
Speaker 2: hope that this election on November fifth has a decisive winner,
Speaker 2: because I don't want to go through what we went
Speaker 2: through in twenty twenty. So the question is, in the meantime,
Speaker 2: other than not listening to the news, what should people do?
Speaker 2: And maybe that's what they should do.
Speaker 4: Go right inad Well, I think listening to the news
Speaker 4: a little bit of it is a positive thing. I
Speaker 4: think having extreaming twenty four seven is not. And I
Speaker 4: think using social media as your knowledge base and reading
Speaker 4: comments and letting those comments influence you it's not positive behavior.
Speaker 4: And you know, we all know who we disagree with, right, Well,
Speaker 4: there's still some people.
Speaker 2: Who claim, even as late in the game as we are,
Speaker 2: who are theoretically undecided. So there are some people out
Speaker 2: there who are still trying to figure it out for
Speaker 2: better or words.
Speaker 4: Well, and you make a really good point because there's
Speaker 4: also some people the survey that you mentioned cided twenty
Speaker 4: seven percent of people are excited about the election. So
Speaker 4: you're right, there's a lot of variables out there. And
Speaker 4: how those all come together peacefully and decisively, I think,
Speaker 4: is the question that we're all trying to project the
Speaker 4: answer for, Well.
Speaker 2: We'll see in about two and a half weeks. Tell
Speaker 2: me you and the founder of the Brain Performance Center,
Speaker 2: what is that and is that something that my listeners
Speaker 2: can be in contact with take advantage of. Tell us
Speaker 2: about the Brain Performance Center.
Speaker 4: Absolutely. The Brain Performance Center was started in two in
Speaker 4: a nine and it deals with behavioral health issues which
Speaker 4: we're all experiencing today as a result of the election.
Speaker 4: It's anxiety, it's depression, it's stress, it's dealing with that
Speaker 4: neurodivergent population and all of that is it's just a
Speaker 4: dysregulated brain and there are ways that we can train
Speaker 4: our brain organically to change. And for any of your
Speaker 4: listeners that would like to learn more, we have the
Speaker 4: good old fashioned website, the Brain Performance Center dot com.
Speaker 4: We also have the Brain Performance Institute dot co for
Speaker 4: organizations that are looking to create psychological safety. And you know,
Speaker 4: it is okay to not be okay, but it's not
Speaker 4: okay if you don't do something about it.
Speaker 2: Yeah, do you have like little test or analysis that
Speaker 2: people can kind of do what this brain performance center
Speaker 2: so they can figure out if they are okay.
Speaker 4: While we do it more scientifically. We actually record the
Speaker 4: brand ways and we can flare them to a database
Speaker 4: and we see, you know, it works off the bell
Speaker 4: shaped curve. What's it's age specific? And but where is
Speaker 4: your brain within normal within normal limits?
Speaker 2: So the people in order to take true advantage that
Speaker 2: they have to physically be where the brain performance center is.
Speaker 2: I'm not exactly sure what's what state or city you're in.
Speaker 4: We're in Dallas, Texas, Okay, And there are there are
Speaker 4: organizations across the United States that do the same thing
Speaker 4: that we do.
Speaker 2: I guess is what I'm hearing you say.
Speaker 4: Absolutely, I would encourage anybody that wakes up and thinks,
Speaker 4: you know, I don't know if I want to do
Speaker 4: this today or oh not another day? Why is this
Speaker 4: so hard? Give me a call, because it can that
Speaker 4: you calm that brain down and lie it's a game changer.
Speaker 2: I would say. I would say it all starts with
Speaker 2: the brain one way or the other. You wake up
Speaker 2: in the morning and the first thought is oh the
Speaker 2: alarm clock. I gotta get up. I hear you, I
Speaker 2: hear you. Doctor Richardson. Always appreciate talking to you. I
Speaker 2: think we've talked before, and I hope we're gonna talk again.
Speaker 4: Thanks so much, Thanks you, Bye bye.
Speaker 2: When we come back, we're going to get a little local.
Speaker 2: We're gonna talk with Mark shield Drop. He's seen your
Speaker 2: spokesman for Triple A. And guess what. Deer crashes are
Speaker 2: increasing by leaps and bounds, and it is that time
Speaker 2: of year. We will explain I had won many years ago.
Speaker 2: I'm not even gonna bother to tell you. Maybe I
Speaker 2: will tell you this story. I don't know, but you
Speaker 2: have to be a little careful with those little with
Speaker 2: those big deer running around, all their homeowners are going crazy.
Speaker 2: I'll explain why when we talk with Mark shield Drop
Speaker 2: in just a moment. My name's Dan Ray. This is
Speaker 2: nine Side to listen to WBZ in Boston. We are
Speaker 2: a big, powerful radio station out of Boston. If you
Speaker 2: listening to our car radio anywhere east on your car
Speaker 2: radio anywhere east of the Mississippi River, that's great. Lock
Speaker 2: us in at ten thirty and the AM dial if
Speaker 2: you want to listen to us on the iHeartRadio app.
Speaker 2: That's really easy. Just download iHeart app. Download it for free.
Speaker 2: You be able to listen to WBZ twenty four seven,
Speaker 2: three sixty five from anywhere in the world. We'll be
Speaker 2: back on Night Side with Mark shield Drop right after this.
Speaker 1: Now back to Dan Ray live from the Window World
Speaker 1: Nights Sin Studios on WBZ News Radio.
Speaker 6: All right, if you've been driving in New England recently,
Speaker 6: I suspect you probably have seen a little more activity
Speaker 6: of the deer running hither thither and Yon with us
Speaker 6: is Mark shield Drop, senior spokesperson for tripa A, and
Speaker 6: he's going to explain what's going on.
Speaker 2: It's a seasonal thing, correct, Mark.
Speaker 3: Yeah, it is.
Speaker 5: And thanks for having me Dan.
Speaker 2: It's great to be back in order to have you,
Speaker 2: by the way, one of my favorite guests. Right ahead.
Speaker 5: Oh wow, I'm writing that down. It's mating season for
Speaker 5: the deer, and when in its mating season they get
Speaker 5: a little frisky. That means they get bolder, more aggressive.
Speaker 5: And when deer on the move, it tends to be
Speaker 5: in the afternoon around dusk and the days are getting shorter,
Speaker 5: and when it's dusk, that's like matching up perfectly with
Speaker 5: our commute home from work. So it's really a recipe
Speaker 5: for a lot of crashes because he got more active deer,
Speaker 5: a lot of people on the road, so that all
Speaker 5: those things lines up, line up. So that's why we
Speaker 5: see almost half of all deer crashes over the course
Speaker 5: of the year happened between October, November and December. So
Speaker 5: we like to remind folks it's deer mating season. It's
Speaker 5: it time to be extra alert. You're going to see
Speaker 5: carcasses on the roadway. Now you're going to see the
Speaker 5: aftermath of some of these crashes, and there's a lot
Speaker 5: of crashes involving deer and folks out there these days.
Speaker 2: Well, what it comes down to is the deer will
Speaker 2: looking for love and all the wrong places.
Speaker 5: I think, yeah, they are, you know, on the roadway.
Speaker 5: It's a terrible place for deer, but it happens to
Speaker 5: be kind of an ideal environment for them. So I'm
Speaker 5: not a wildlife expert, but I have some interest in
Speaker 5: this topic and I did cover it a bit when
Speaker 5: I was a journalist before working with Triple A. So
Speaker 5: I've talked to some wildlife folks and a lot of
Speaker 5: our roads, you know, have a tree line like a buffer,
Speaker 5: and then oftentimes it's next to kind of an open area,
Speaker 5: whether it's lawns or golf courses or grass. They love
Speaker 5: those buffer zones. They love to kind of walk along
Speaker 5: a field along the tree line. So that's a lot
Speaker 5: of our roadways.
Speaker 3: So that's why we see them a lot.
Speaker 5: I think, on the highway and hit one. I've never
Speaker 5: hit one personally, but I've been in a car with
Speaker 5: someone to hit one, and it was quite an ordeal.
Speaker 5: And we weren't even going that.
Speaker 2: Like giving a stone wall it is. It is the
Speaker 2: big one that that I hit long, long time ago.
Speaker 2: We were headed to Thanksgiving dinner on Martha's vineyard. This
Speaker 2: is going to be sometime in the nineteen nineties, I'm guessing.
Speaker 2: And I saw a car in the distance flashing its
Speaker 2: lights and I thought they were telling me, well, there's
Speaker 2: a police officer had slowed down. It wasn't going that fast.
Speaker 2: As soon as the car passed me, all of a sudden,
Speaker 2: it was like I hit a stone wall and I'm
Speaker 2: still on the road, and next thing I saw Bamby
Speaker 2: flying through the air. It was really like a movie
Speaker 2: with blood spray on the windshield. I hope every no
Speaker 2: one's having dinner while we're talking about this.
Speaker 3: Yeah.
Speaker 2: I went to pull over to try to help the deer,
Speaker 2: and my wife said, what are you doing? I said,
Speaker 2: I want to see if the deer's eaten nuts. So, yeah,
Speaker 2: the kids in the back seat, two of them. What
Speaker 2: was that? What was that? I think my wife said something. Well,
Speaker 2: Daddy just bumped into Bamby.
Speaker 3: Yeah.
Speaker 5: Yeah, it's not fun. They're beautiful and majestic. Well, unfortunately
Speaker 5: they're less and less afraid of us, which seems to
Speaker 5: be not helping them problem. And then there's a massive
Speaker 5: deer over population problem. So I pulled a total number
Speaker 5: of deer crashes in Massachusetts by year. I started twenty
Speaker 5: twenty three. I went all the way back to two
Speaker 5: thousand and two, so two thousand and two, eleven hundred
Speaker 5: and four crashes, and then let's skip ahead ten years,
Speaker 5: so twenty twelve, nineteen hundred and forty eight.
Speaker 2: We're going to the wrong direction.
Speaker 5: Last year, Yeah, last year thirty eight hundred and sixty seven.
Speaker 2: Wow, that's doubling.
Speaker 5: Every ten years, it really is, And it's just every
Speaker 5: year more and more and more. So there's more deal
Speaker 5: out there.
Speaker 2: I remember one year I was on the early morning
Speaker 2: news and it was heading to some story at five o'clock.
Speaker 2: Four five o'clock in the morning. Light had just come up.
Speaker 2: It was mid November, and I looked about I don't know,
Speaker 2: a quarter of a mile ahead, and there was this
Speaker 2: deer that was trying to cross the road. There wasn't
Speaker 2: much traffic, but the deer was sort of like slipping
Speaker 2: it sliding. It was like, come ons, the deer get
Speaker 2: going going? Yeah, right, the hoofs on the road. They
Speaker 2: they the houss on a major roadway that they have
Speaker 2: a tough time getting some traction. I've seen it in person.
Speaker 5: Yeah, they're skittish, uh and and they can often they
Speaker 5: can jump really high. I have no folks who are
Speaker 5: just driving along and a deer just launched out of
Speaker 5: the woods like right.
Speaker 3: Into the side of the car, like for.
Speaker 5: No reason apparently. So it's unsettling when it happens. Fortunately,
Speaker 5: we haven't had a lot of fatalities from these crashes,
Speaker 5: but they cause a lot of damage, you know, they can.
Speaker 5: They can really be stressful, and they caused some injuries too.
Speaker 5: You know, folks who've had the misfortune of a deer
Speaker 5: going through the windshield. You know, that's that's an image
Speaker 5: you're not gonna get out of your mind anytime soon.
Speaker 5: You can get, you know, pretty badly hurt from that.
Speaker 2: So I will tell I will tell this story the
Speaker 2: weekend of the Monday that I came in after the
Speaker 2: deer strike. Five thousand dollars damage to the front of
Speaker 2: my car. By the way, it was the easily damage.
Speaker 2: And I wasn't I mean, I really wasn't going that
Speaker 2: fast because I had slowed down thinking there was a
Speaker 2: police officer. So I was telling the story in the
Speaker 2: newsroom that day that following Monday, and one of my
Speaker 2: colleagues I'll not identify who it was, said something like,
Speaker 2: that's nothing, So what do you talk about nothing? My
Speaker 2: brother was driving up in Maine and he decapitated a deer.
Speaker 2: The deer had smashed through the windshield and landed in
Speaker 2: the lap of his daughter, who was sitting in the
Speaker 2: passenger front seat.
Speaker 3: Oh that's horrifying.
Speaker 2: How many years of therapy has she been?
Speaker 5: Oh my god, don't don't player the Godfather or anything
Speaker 5: like that.
Speaker 3: Oh no, No.
Speaker 2: The other question is, how does Massachusetts compare to other
Speaker 2: New England states. In New Hampshire, I guess they worry
Speaker 2: about hitting moose, which can even be more US.
Speaker 5: Yeah, you know, that's a good question.
Speaker 3: I would have to do some comparisons.
Speaker 2: But a big.
Speaker 5: Problem throughout all our territory at triple in northeast. So
Speaker 5: when we put the advisory out in mass we also
Speaker 5: are putting on New Jersey, Connecticut, Rhode Island, and the
Speaker 5: numbers are pretty much across the board going in the
Speaker 5: same direction, and there's a lot of crash and on
Speaker 5: all those states and the more rural parts of New
Speaker 5: Hampshire Vermont. I think just due to the fact that
Speaker 5: fewer people driving around, maybe they have less of an
Speaker 5: issue in terms of number of crashes. But I think
Speaker 5: the frequency, as far as the odds of hitting one,
Speaker 5: they're certainly going to be high when you're driving in
Speaker 5: those areas because you know it's prime territory for those creatures.
Speaker 2: I'll tell you what worked for me. I went to
Speaker 2: a you know, a hunting and gaming store, and those
Speaker 2: little plastic deer horns you mount on your front bumper
Speaker 2: they worked. They really do. They set out some sort
Speaker 2: of a signal, you know, just a high pitch properly whistle,
Speaker 2: and they're pretty cheap. They're just plastic, and I can
Speaker 2: remember so many times driving along and realizing that there
Speaker 2: was a deer that did not cross the road in
Speaker 2: front of me. I would recommend, at least my experience.
Speaker 2: I don't endures any product that I haven't used, but
Speaker 2: I use those for three or four years and they worked,
Speaker 2: They really did. I was out.
Speaker 5: I think, yeah, I think that those are maybe a
Speaker 5: good deterrent. You got to make sure you install it correctly,
Speaker 5: you know, and and you know, there's different types out there,
Speaker 5: and I haven't looked into them too much myself. People
Speaker 5: have asked me if they work, and I say, hey, look,
Speaker 5: you know, as long as you're not covering up an
Speaker 5: important sensor or something, and you can install it properly.
Speaker 2: There's no hart, just simply little plastic things. They looked
Speaker 2: like a horn and you just yeah, they were self
Speaker 2: glued down to you and you could take them off.
Speaker 2: I mean, but they stayed. They stood the test of time,
Speaker 2: and they I thought they were pretty good investment and
Speaker 2: might have saved the deer or two along the way.
Speaker 2: Hey Mark, thank you much. I enjoyed the conversation with
Speaker 2: you as always. Triple A available folks. I'm a Triple
Speaker 2: A member. I would advise other people to it's all
Speaker 2: it's it's a great investment. Trust me. We use Triple
Speaker 2: A all the time and they're great people. Absolutely, thanks Mark.
Speaker 5: Appreciate it very much. Thanks for the kind of words, Dan,
Speaker 5: have great night.
Speaker 2: Well they're from the heart. Thank you much. Taking a break,
Speaker 2: we come back when to talk with a Medicare consultant
Speaker 2: and certified financial planner. We are getting into the Medicare
Speaker 2: season and we have all the mustnos to avoid coverage
Speaker 2: gaps available with Joh coming back right after the news
Speaker 2: at the bottom of the air of My name is
Speaker 2: Dan Ray, and you're listening to Nightside.
Speaker 1: Night Side with Dan Ray. I'm w Boston's news radio.
Speaker 2: All right, we are coming upon the time of year
Speaker 2: when people who are on Medicaid or looking to get
Speaker 2: on Medicaid have a window to apply and it's not easy.
Speaker 2: It's not simple. I find it confusing with us. Now
Speaker 2: is Jay Oh. He's a Medicare consultant and certified financial
Speaker 2: planner and hopefully he's going to simplify it for us.
Speaker 2: Jay Oh, welcome to nightside. How are you?
Speaker 3: Thank you very much for having me Dan, How are
Speaker 3: you today?
Speaker 2: More than welcome? Is it as confusing? I am not
Speaker 2: on medicare, but I got to tell you, from what
Speaker 2: I know about it, it's everyone tells me it's confusing,
Speaker 2: am I it is? How confusing? Is it? I'll ask you.
Speaker 2: I'll ask it to you that way, not necessarily to
Speaker 2: you because you know it, but to the average person
Speaker 2: who's going to try to get on for the first
Speaker 2: time or renew their membership.
Speaker 3: Sure, I think that first many people who have been
Speaker 3: employed and have had benefits, health insurance benefits from their employer.
Speaker 3: The issue is that they have to learn a language
Speaker 3: that they've never really faced. They face a menu of
Speaker 3: selections which it can seem overwhelming compared to the one
Speaker 3: or two plans that you kind of get offered by
Speaker 3: your employer. And that's it. Well, under Medicare, we've got
Speaker 3: a lot of moving parts. We've got many, many different alternatives,
Speaker 3: we have different checkpoints in terms of time, the rules
Speaker 3: of medicare, eligibility, enrollment, they are complicated. Admittedly that all said,
Speaker 3: I also spend time with yourselves, the public other capacities
Speaker 3: because at the end, the quality of coverage that you
Speaker 3: can access, at the price at which you can access
Speaker 3: it will be very likely superior to anything that you've
Speaker 3: had in the US, you know, prior to turning sixty five.
Speaker 3: And so I don't want to be passing the message
Speaker 3: of be frightened and be frozen. There's work to do
Speaker 3: and things to understand. That said, the outcome very usually
Speaker 3: is worth it.
Speaker 2: So first, people who for whatever reason find it complicated,
Speaker 2: can they reach out to people like you? Are their
Speaker 2: private medicare consultants? If you're a medicare consultant, certified financial planner.
Speaker 2: Are there enough of those folks around the country who
Speaker 2: can make themselves available to help people, particularly the first
Speaker 2: time or does one have to be very wealthy to
Speaker 2: even consider using the services of a medicare a consultant
Speaker 2: and a certified financial planner.
Speaker 3: Access to medicare is as democratic as it gets.
Speaker 2: Pointing that everybody, yeah.
Speaker 3: Exactly, and access So for example, people like me, if
Speaker 3: you're coming to us and you can see information about
Speaker 3: my book Maximize your Medicare dot com, there's contact ability
Speaker 3: and our consults for pure medicare are free of charge,
Speaker 3: So nice.
Speaker 2: And do you do it you're located in Boston. We
Speaker 2: have listeners all over the eastern half of the US.
Speaker 2: Do you have a website? You know, whenever someone comes
Speaker 2: on here and they are for informational services, I'd like
Speaker 2: to try to put people in contact. And in this
Speaker 2: day and age, the telephone still works, so.
Speaker 3: I don't work internetwork.
Speaker 2: Can they get in touch with you?
Speaker 3: Sure? The best way is the official website for my book,
Speaker 3: which is Maximize your Medicare dot com. And there are
Speaker 3: tons of resources, videos in recordings of interviews kind of
Speaker 3: similar to this. Not as good, of course as you
Speaker 3: but you can understand my point that there are resources.
Speaker 3: And every state also has something called SHIP, which is
Speaker 3: government funded volunteer staffs Medicare guidance. Now the caveat there
Speaker 3: is that they are not licensed. That doesn't mean that
Speaker 3: the information is wrong. In fact, I am the ex
Speaker 3: colleague of the entire group that has educated all of
Speaker 3: them nationwide.
Speaker 2: One of one of the things that I learned when
Speaker 2: I became eligible for Medicare when you become sixty five,
Speaker 2: Unlike Social Security, where you can take it early, you
Speaker 2: can take it late and all that with Medicare. Even
Speaker 2: if you are going to continue to work and therefore
Speaker 2: you do not need Medicare. You still have to sign
Speaker 2: up for Medicare and get a Medicare card because if
Speaker 2: you don't sign up, I believe that there's some penalties
Speaker 2: that can occur at that time when you want to
Speaker 2: go on Medicare.
Speaker 3: So I had spoken about complicated rules, and here's you've
Speaker 3: mentioned one. So I wrote, that's my job.
Speaker 2: Jay.
Speaker 3: I wrote an article that appears in Kiplinger, a byline
Speaker 3: there Kiplinger, a personal finance magazine, and it is the
Speaker 3: number one thing, especially as you rightly point out that people,
Speaker 3: in order to get the maximum from Social Security, they delay.
Speaker 3: But Medicare eligibility is still sixty five. There's a lot
Speaker 3: of misinformation in the world about laate enrollment penalties, but
Speaker 3: the basic guideline is that if you are the full
Speaker 3: time employee and your employer is providing health insurance, you
Speaker 3: do not need to enroll in Part B and you
Speaker 3: will not incur a late enrollment penalty. There are many
Speaker 3: different parts. Part A, which is the first line of
Speaker 3: this card, that generally people do. But that's just because
Speaker 3: the price is zero, right.
Speaker 2: But that let me I understand because I understand enough
Speaker 2: of this to be dangerous. Let's assume someone turns sixty
Speaker 2: five tomorrow and whatever the grace period is they choose
Speaker 2: and they say, well, I'm still working, I'm a full
Speaker 2: time person. I won't need Medicare or any of that
Speaker 2: stuff until I'm probably seventy. And they wait until they're
Speaker 2: seventy and then they say, Okay, I got to get
Speaker 2: my Medicare coverage. Better get my Medicare card. Is there
Speaker 2: not a bit of a problem that can occur if
Speaker 2: you do not at least sign up and secure the
Speaker 2: Medicare card, whether you avail yourself of it or not
Speaker 2: when you do turn sixty five. If I'm wrong, please
Speaker 2: correct me.
Speaker 3: You do not have a penalty. You do not, so
Speaker 3: you give a way.
Speaker 2: So what you're saying is people do not have to
Speaker 2: They can wait until they need Medicare. They don't have
Speaker 2: to secure a card at sixty five. I was under
Speaker 2: the I was under that impression. And if that's a misimpression,
Speaker 2: thank you for correcting me.
Speaker 3: And you can see you're not alone in this short
Speaker 3: little to and fro, right, which is that this the
Speaker 3: Medicare system has a number of rules and people are
Speaker 3: afraid of something that says penalty, and it is if
Speaker 3: you incur it, it never ends. But this is but
Speaker 3: the point here, the nuance here is that if you
Speaker 3: have health insurance as a full time employee covered by
Speaker 3: your employer, then no, no.
Speaker 2: Or if you are a full time employee and you're
Speaker 2: covered by your spouse's insurance, I also believe that that
Speaker 2: you are protected, you're not obligated to take to pay
Speaker 2: for Medicare. Again, that's another wrinkle. I think I'm correct
Speaker 2: on that, but tell me if I'm wrong.
Speaker 3: More wrinkles, which is that as long as the spouse
Speaker 3: is the full time employee. So, in other words, if
Speaker 3: your spouse is retired and let's say retired early sixty
Speaker 3: three because that person didn't like their job or they
Speaker 3: were able to access retirement, and then you turn sixty five,
Speaker 3: your spouse is retired, you cannot use her spouses or
Speaker 3: the sixty three year olds health insurance at the time
Speaker 3: that you turn sixty five. You need to be the
Speaker 3: spouse of a full time employee covered by health insurance.
Speaker 2: In this day A number of combinations, Jay, in this
Speaker 2: day and age is I'm sure you probably know better
Speaker 2: than I. There are more and more people who are
Speaker 2: working full time sixty five, and married couples are working
Speaker 2: full time past sixty five. Both my wife and I,
Speaker 2: you know, oh past sixty five, we're both working full time,
Speaker 2: and in our situation, she has a better health insurance plan,
Speaker 2: So I understand that. But I was always on the
Speaker 2: impression that if you didn't get maybe there are some
Speaker 2: circumstances that when if you don't get that Medicare card
Speaker 2: and you sign up late, there's some penalties, which means
Speaker 2: that we need to do this again and maybe in
Speaker 2: the next couple of weeks and do another take on
Speaker 2: Medicare and provide more information to people, because I thought
Speaker 2: this is a this is a very helpful conversation for me,
Speaker 2: and I hope it's been a helpful conversation with people
Speaker 2: in my audience. Could I get you to come back
Speaker 2: in the next couple of weeks and we'll take another
Speaker 2: bite at the apple.
Speaker 3: Absolutely, the number of iterations we can combinations is dizzy,
Speaker 3: and I recognize there I'll get a better one for you.
Speaker 2: I have a better recommendation. Why don't we plan on
Speaker 2: doing an hour sometime in the next week or so.
Speaker 2: If if your schedule permits, and we during this hour
Speaker 2: we just do an interview. We don't take phone calls
Speaker 2: from nine to twelve. Nine to midnight, we open our
Speaker 2: phone lines, so during those hours that would allow people
Speaker 2: to call and ask you questions. I think that might
Speaker 2: even be more helpful.
Speaker 3: What say you, I'll make myself available, no problem.
Speaker 2: We'll get back in touch with it. Jay. Thank you
Speaker 2: very much. And again, the name of your book is
Speaker 2: Maximize your Medicare dot com, so people get a head
Speaker 2: start on our on our next conversation. Thanks very much.
Speaker 2: I really enjoyed this conversation, and thanks for setting me
Speaker 2: straight on a couple of things. I am not someone
Speaker 2: who claims to know everything about everything. You're the expert here,
Speaker 2: and I appreciate you taking the time my privilege.
Speaker 3: Dan, Thanks for having me.
Speaker 2: We'll talk to you soon. Okay, when we come back,
Speaker 2: We're going to talk about a subject we all can
Speaker 2: agree upon, and a subject there over which there is
Speaker 2: no confusion, and that is we are in for a
Speaker 2: beautiful mid October, mid to late October weekend weather here
Speaker 2: in at least most of New England, and we are
Speaker 2: gonna we're going to We talked with Brian Thompson of
Speaker 2: AKI Weather. Right after this break on Nightside Stick with Us.
Speaker 1: Now back to Dan Ray live from the Window World
Speaker 1: night Side Studios on WBZ News Radio.
Speaker 2: Well, I don't think if the weather folks are correct,
Speaker 2: that we're ever going to have a weekend as beautiful
Speaker 2: as these next two days, at least at this time
Speaker 2: of year with us is Brian Thompson of AKI Weather.
Speaker 2: AKI Weather Meteorologist Brian Thompson. Brian, it appears that this
Speaker 2: weekend is going to be on a scale of zero
Speaker 2: to ten, about a twelve and a half. What's going on.
Speaker 7: We have a pretty warm weather pattern shaping up, But Dan,
Speaker 7: we've had an area of high pressure that's been sitting
Speaker 7: off to our west for the last few days. This
Speaker 7: what's been bringing us this dry weather. I mean, it
Speaker 7: has been on the chili side most of the week,
Speaker 7: but for most of the time, with the exception of
Speaker 7: a little while yesterday afternoon and evening, we've been seeing
Speaker 7: quite a bit of sunshine throughout the last few days.
Speaker 7: But that high is going to be a shifting more
Speaker 7: to the south as we had through the next few days,
Speaker 7: and that's going to allow some warmer air to start
Speaker 7: to move on in so we'll consider to see a
Speaker 7: lot of sunshine with the high pressure area nearby. There's
Speaker 7: been really very few clouds again, outside of the clouds
Speaker 7: we had yesterday, there's been very few clouds last couple
Speaker 7: of days really all across the eastern US. It's just
Speaker 7: not really much cloud covering this pattern. So we're seeing
Speaker 7: a lot of sunshine. That'll be the case all weekend long.
Speaker 7: And we saw a little taste of that warmer air today.
Speaker 7: We didn't get into the sixties, and many spots that
Speaker 7: tomorrow will be up near seventy and then into the
Speaker 7: loads to mid seventies on Sunday. Our average hires are
Speaker 7: in the low sixties this time of year, so it's
Speaker 7: not terribly common to have weekends this warm, this late
Speaker 7: in October.
Speaker 2: Yeah, I mean, eventually, I assume the law of averages
Speaker 2: would make us pay for this, but when you get
Speaker 2: a weekend like this. We got the Head of the
Speaker 2: Charles in Boston this weekend, which is spectacular no matter
Speaker 2: what the weather, although then it's some soaking rains at
Speaker 2: some of the heads ahead of the Childs races in
Speaker 2: the past. So I missed what you said, So if
Speaker 2: we do hit seventy tomorrow in a little better than
Speaker 2: seventy with beautiful you know, sun drenched skies, you know,
Speaker 2: beautiful blue skies. What those numbers? How far above the
Speaker 2: average are those two numbers, Say it's seventy tomorrow and
Speaker 2: seventy five on Sunday.
Speaker 7: Yeah, the average tomorrow and Sunday or sixty one degrees,
Speaker 7: they're going to be a good ten to fifteen degrees
Speaker 7: above that. In fact, Sunday we won't be all that
Speaker 7: far from the record high, which is seventy nine set
Speaker 7: back in nineteen sixty nine. The record high tomorrow is
Speaker 7: eighty four, so it can still get warm this time year.
Speaker 7: A lot of the record highs are still in the eighties.
Speaker 7: But this isn't just a one or two day thing.
Speaker 7: We're going to see those highs in the seventies continue
Speaker 7: likely into Monday as well.
Speaker 2: Well. Of course Monday, most people are going back to work.
Speaker 2: So that's why I like to focus on Saturday and Sunday. Now.
Speaker 2: In addition to that, good news for people who are
Speaker 2: not Patriots fans, because the Patriots play early on Sunday
Speaker 2: morning in that game over in London against the Jacksonville Jaguars,
Speaker 2: which means that the guys who are football fans and
Speaker 2: want to stay ensconsed in front of that TV set
Speaker 2: to watch the Patriots, that game will be over by
Speaker 2: about twelve fifteen, twelve thirty. And at that point, guys,
Speaker 2: I think that if the ladies in the family, the
Speaker 2: kids in the family are looking to go apple picking
Speaker 2: or taking a hike, you're not going to have a
Speaker 2: Patriots game as that excused to stay indoors.
Speaker 7: No, and it is going to be warming up quickly.
Speaker 7: I think by noontime could very well be in the
Speaker 7: low seventies already. This is a pattern, especially with how
Speaker 7: dry it's been the last few days, that the nights
Speaker 7: will be relatively cool still and the knights will still
Speaker 7: generally be in the forties to near fifty, but by
Speaker 7: mid to late afternoon we're talking about highs at or
Speaker 7: above seventy.
Speaker 2: So then here's my question. I was told I read
Speaker 2: an article actually this week that they said the leaf
Speaker 2: peeping was insane last weekend. People were out there in
Speaker 2: the woods. They had annoyed you. I'm sure you read
Speaker 2: some of that, and I guess they had a significant
Speaker 2: not twenty inches but they had a real, actual first
Speaker 2: snowfall up on the top of Mount Washington. You're a
Speaker 2: weather guy. I'm sure you can give me more information
Speaker 2: about that. How does that juxtapose with what we're doing
Speaker 2: here this weekend? If last weekend the snowflakes were falling
Speaker 2: on Mount Washington, what's going on?
Speaker 7: Yeah, it's it's quite the change. And last weekend was
Speaker 7: quite the range. All across the northeast. You get down
Speaker 7: toward Philadelphia and Baltimore, it was pushing eighty degrees last weekend.
Speaker 7: And here we were in the fifties, if you remember,
Speaker 7: it was kind of cloudy. It was even in the
Speaker 7: forties of times, with the kind of a damp feel
Speaker 7: to the air. And as you got far enough north
Speaker 7: through the White Mountains over toward the Adirondacks, too, a
Speaker 7: lot of places had accumulating snow. And I was reading
Speaker 7: the same things you were of people are unprepared for that.
Speaker 7: You know, it's it's been relatively mild of late, and
Speaker 7: then you go up into the mountains and it's it
Speaker 7: is mid October. These things can happen.
Speaker 2: People. People were in flip flops and clocks and stuff
Speaker 2: like that. The other thing real quickly. I got to
Speaker 2: ask you, is for the first time, some of the
Speaker 2: weather people this week had pointed out those I call
Speaker 2: them like the blanket clouds. They almost look like whipped
Speaker 2: cream clouds or something like that. I forget what the
Speaker 2: name of them are, but apparently that's a rear sight.
Speaker 2: And I actually saw some of those yesterday. What what's
Speaker 2: what are those clouds? I hate to put you on
Speaker 2: the spot here.
Speaker 7: But I guess i'd have to see a picture of it.
Speaker 7: I don't know offhand what you're what you're.
Speaker 2: Okay, it almost looked like the clouds look like ocean waves.
Speaker 2: Oh okay, that they you know, normally you see you know,
Speaker 2: the cumulus and the cirrus and all of that. But
Speaker 2: there was this, uh, this cloud formation, which apparently the
Speaker 2: atmosphere has to be just certain, and they were people
Speaker 2: actually sending and pictures of it. Uh. And this morning
Speaker 2: when I went out door as I saw that for
Speaker 2: the first time. We'll save that for another night, Brian, Thanks,
Speaker 2: thank you much. Man Hey enjoying the weekend. I hope
Speaker 2: you're off and I hope you're not on duty.
Speaker 7: I'm on duty Sunday morning. But but like the Patriots fans.
Speaker 7: I'll be out in the afternoon.
Speaker 2: You can watch the Teatriots game where I know that.
Speaker 2: Thanks Brian, we'll talk Sooneray, all right, weaken back. We're
Speaker 2: gonna give you an opportunity to have your dreams analyzed. Yeah,
Speaker 2: how about that. We have a PhD psychologist, but he's
Speaker 2: also a dream researcher. He's director of the Sleep and
Speaker 2: Dream Database. You can tell us what your crazy dreams are, Ben,
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Speaker 2: number six one, seven thirty. We will be back right
Speaker 2: after the nine o'clock news. Aero Night Side