WKXL - New Hampshire Talk Radio

Cail & Company LIVE with James Fox

On Tuesday we had our monthly visit with the New Hampshire Department of Insurance. Our guest was the Department's Property and Casualty Director, James Fox. The Department will be holding a Webinar on Emergency Preparedness and Insurance coverage at the end of the month. You can follow the N.H. Insurance Department's social media outlets to get the link. For more information and insurance assistance call ( 603) 852-3416 or email Consumerservices@ins.nh.gov

Duration:: 44m
Broadcast on:: 06 Aug 2024
Audio Format:: mp3

Good morning. It is K.L. and Company Live here on WKXL, N-H-TockRadio.com. Great to have you with us on this Tuesday morning. Drury is it may be. We will try to brighten your lives a little bit. Presented by Northeast Delta Dental. Northeast Delta Dental has individual and family plans designed to fit your lifestyle. Learn more and find your plan at DeltaDentalCoversMe.com. Today marks our monthly visit with the New Hampshire Insurance Department, and we welcome to the show to the department's property and casualty director James Fox. Good morning, sir. How are you? Well, I'm doing great. How are you doing? I am doing very, very well. And our topic today is disaster preparedness and insurance coverage. And folks, if you have any questions regarding your insurance coverage, the New Hampshire Insurance Department's Consumer Services Division is there to help. And you can contact them by emailing consumerservices@ins.nh.gov or calling 800-852-3416. And you can learn more at insurance.nh.gov. And as far as our topic today is concerned, disaster preparedness and insurance coverage, you can get more information there at, this is a long one now. www.insurance.nh.gov/consumers/disaster-preparedness. We'll give that to you again a little bit later on. James Fox with us, and James, people tend not to think about their insurance coverage until things go wrong. And before we dive into the specifics of emergency preparedness and their influence, should people read through their policy and where should they go if they have any questions about the policy that they have? Well, I would say it's always a good idea to familiarize yourself with your policy and also take a look at which policies you have. I mean, if you're in a personal person, you would obviously have a home. You have a homeowner's policy. If you don't have a home, you have a renter's policy. Then that always coordinates with your auto policy, the automobile. And, you know, if you have a -- as my old boss used to say, if you have a lot of assets, you won't have an umbrella sitting above that. So you want to first understand all those policies work together, and they do. You have, like, for example, put an auto policy and a homeowner's policy. You're pretty much covered. The auto covers anything to do with the auto, and then the homeowner's policy covers the home, and then when you're outside the home, other than the auto. But then as to the policies themselves, yes, it is a good idea to, I would say, flip through them, and you can see which types of coverage you have. I mean, I don't know if everybody knows, like, your homeowner's policy has a med pay, and your auto policy has a med pay. They have different types of coverages. I'm not 100% sure that the average person is going to understand the policy. So that's why I always say, if you're an expert in insurance, then you think you can just go by directing that. That's fine. But if you're not, the best thing you can do is work with the insurance agent. Most people think that we call them producers, and they can explain to you what coverage you have. So you can think about what risks you have in your life, and then you take those, and then you go talk to your agent. These are the things I'm concerned about generally, and then let's say a storm's coming, like we're talking about today, then you might want to go call them again and say, "I know that storm's coming in a few days. I want to make sure I have what I need to protect myself as to the storm. What do you think?" And then the agent will take a look at your policy. They know the policies inside now, and they can then advise you where you are, and then where you could be, and how much it would cost you to change to save more protection. So you couldn't read them yourselves, but I always say, unless you're an expert, you probably want to have an insurance producer. We have a lot of great insurance producers in the state, and usually in every community helping people in the community. No doubt about that, and I think you'd probably agree with me that when most people start to read through their insurance policies, their eyes start to glaze over a little bit. Yeah, usually there's a group of people, and one of them, when I fell in love with insurance, I was a law clerk, so I worked for a judge, and I used to have a lot of insurance policies. I love insurance policies, but most people, they are boring and pretty dry. And the other thing is, unless you're really familiar with what the courts have said about them, you may read something and think it means X, when it actually means Y, and why could you get more coverage than you think you have. So I wouldn't just to take, if you're not an insurance person and think that you'll understand exactly what the scope of coverage is, and you don't want to like self-edit yourself, so you think you have less coverage than you do. So you always should reach out to an expert, and the number one expert you can reach out to is the insurance producer. They've spent their lives reading these policies. Yeah, absolutely so. When did your interest in insurance begin? Well, you know, it's funny, I was in law school and I went to Boston University, and there was an insurance course, and I was like, "Why would I take that?" So I did not take that. And then after law school, I went to work for the New Hampshire Superior Court as a law clerk. And in the Superior Court, we do a lot of what's called declaratory judgment actions, so if there's a dispute about what coverage the insurance provides, you go basically before a judge. So I was the judge's law clerk, so I spent a lot of time. The judges make all the decisions, and they, you know, all of that. But they have law clerks to help them write because they don't have enough time to write all the opinions. So I wrote a lot of insurance coverage opinions, and then when my clerkship was usually their temporary positions for a couple of years, then I went to work at a law firm that did insurance coverage. That's basically, I've spent a lot of years doing insurance coverage, and I still am fascinated by it, and there's still so much to learn from it myself. Like when I was coming on today, I was thinking, you know, when I'm at the department, I have a whole team of people. I have an actuary that does the rates. I have a formed people who are former underwriters for the insurance companies to help you with that. We have conduct people drive a whole team, so nobody knows everything. That is for sure. I have found that out time and time again. But James Fox is with us, and James is the department's property and casualty director. And what tips does the New Hampshire Insurance Department suggest for emergency preparedness? I assume it goes much further than just having an insurance policy. Yeah, I always say, when you think about your insurance, the first thing you want to think about is not making the claim, because nobody really wants to make a claim. You want your car to stay at one piece, you want your house to stay at one piece. You don't want to have to make that claim and go through the whole claims process. So the first thing I would say is you would want to have a home resiliency now, but take a look at your home, and if your roof's not in a great shape, you might want to, if you can afford it, I know it's not always easy. Try to upgrade your house itself to make it more likely to weather a storm correctly. And obviously, if you have a car and you are worried about the car, whether you have insurance or you don't, you don't park your car probably next to a tree if a storm's coming. Because then you're going to have the tree fall from the car, and then the car is a total loss, and then you're going to have to go through a whole process about how much money you should get for the car. So in the first instance, you want to avoid all of those issues by having a game plan, much like if you have a fire in your house, you're like, "Okay, how are we going to get out of the house? Where are we going to be?" So basically, if a storm's coming, you want to think of those well in advance of that. You want to think about should I have a new roof on my house? And then in the moment, where should I park my car? I can't be that simple. I went to the University of Miami for undergrad, and we had during Hurricane Andrew. And I didn't have anywhere to move my car, so I thought my car was at the storm great, but then I went out and the whole windshield was just completely pitted from the stand hitting it like a sandblaster. So you've got to, if you can, think about as many little issues as you can to avoid having to make a claim. Because then, you know, there's a time consuming for you, and it's going to be a back and forth, then you may not be happy with, you know, what you think is, for example, your car's worth or the whole process of repairing your house can be difficult, so the best thing to do is to try to avoid those things by trying to be ready for, make sure your car in your house can weather the storm, let's call it. So at the University of Miami, you were a hurricane in a hurricane, in other words? Yeah, it was quite an experience. Yeah. So I got down to the, I got down to like one day, and then the hurricane hit the next day, and then I ended up going home like three days later. So it was, but it was an experience in it, and you can tell a resiliency. I remember we all had to sit in the hallway, and the whole building was rattling and shaking, and it was like, "Oh, I hope this is going to survive this." So I'm a firm believer in having as resilient a home as possible. Absolutely. How about a home inventory? And you create a home inventory, so you'll be prepared. Should you have to make a claim with your insurance company? Yeah. So that's, I would say, super important. You should have, so let's say you have a severe loss, and you have your possession, say, your personal property, so not the house itself, but personal property. And you know what it is. So the first thing, you're going to have to prove what you have in the house, and what you lost. And so if you have photos of your house, and people who aren't taking photos of things, that's one way to show it. Another way, if you have receipts, you want to kind of segregate your receipts, and put those receipts with the photos. And then don't leave those in your house if it's possible to lost the house, so either, you know, if there's some other place, a relative, that can hold them for you. So that when you, and the reason I'm saying it, so when you make a claim, and saying here's what I lost. And if you, if an insurance company goes, you know, I don't think that, if something doesn't seem right here, they're going to make you go under what's called an examination under oath. And they're going to go through every little thing that you're playing, that you lost. So a way to avoid that is if you have photographs of your receipts, you won't have to give what amounts to, like, a deposition. Trying to explain, like, okay, you say you lost this. Where did you buy at, you know, those these things? That, you know, your life is tough enough. You don't want to go through, so the more upfront evidence you have of what you had in the house, the less difficult you're going to have on the back and submitting your claim. It is our monthly visit with the New Hampshire Department of Insurance, visiting today with James Fox, the New Hampshire Insurance Department's property and casualty director, and we will have more coming up right here, Kale & Company, WKXL, nhchockradio.com. We are presented by Northeast Delta Dental. Stand by for more. Welcome back, Kale & Company Live on this Tuesday. Today, we're talking insurance as we do the first Tuesday of every month, and today we're joined by James Fox, the New Hampshire Insurance Department's property and casualty director, and James, what form of insurance coverage would you suggest to cover damage from storms and other disasters? Well, as we said before, the main policy that a person gets is that the homeowner's policy is going to protect your home. And so if a tree falls in your home, they'll pay to have the tree removed and then fix your home. We recently have some questions about trees because there was a microburst, which has happened before. So if the trees just fall on your land, for example, they don't hate your house, they don't fall across your driveway or anything like that, then insurance companies don't pay for that. Some people were surprised, I guess, about that. The insurance policy is for the value of your home. So that's something that, again, as we said, you should talk to your producer to make sure you understand what insurance you have. Now, there are some policies that can expand, that'll do expand it a little bit, but that's what protects your home. Most people made traffic. And so when you do that review, you should think about what your home's worth, what is currently valued. You don't want to be excited about your low premium. And then when you have a loss, you find out that you're under an intruder for your home. We've had some of that situation where people, especially if they have a specialty house, they get their house premium based upon a much more conventional house than they have, like, a posted bean house. And then they try to, they need to replace and they find out they don't have sufficient funds to do it. So that's obviously very important. And as we said, the other main thing most people have is an auto policy. And then that's going to be, that's very risk-oriented. You know, the liability is what it is that's mandated by the state in terms of corporate coverage. If you buy it, I'll be fine. I'll get to all you don't, you won't eat the, you won't eat the pottery or car because the way that it fits. Well, how about a procedural question? After the storm, should you, should you move anything or just after the damage is observed, you know, leave it there? What, what should your steps be? Well, the first step, do, is to go. Well, unfortunately, we're, we're losing James Fox here and we'll, we'll try to get him back, try to get him on a better line. And again, if you have any questions regarding your insurance coverage, the New Hampshire Insurance Department's Consumer Services Division is there to help you out. And you can contact them by emailing consumerservices@ins.nih.gov or calling 800-85-23416. And again, you can learn more at insurance.nih.gov. And as far as disaster preparedness and insurance coverage is concerned, there's a long, a long address here. www.insurance.nih.gov/consumers/disaster-preparedness. And that can also be linked from their homepage at insurance.nih.gov. I don't know if we have Mr. Fox back. I know Andrew Gibson, our esteemed executive producer, is doing his best to get him back on the line and see if we can resume our conversation. I think we might be okay. All right, Mr. Fox, you with us? Sorry. Okay, no, not your fault. Not your fault. These things happen. These things happen a lot. So, so don't worry about it. We're talking about preparedness and, and then, and then after the storm. It is over. Should anything be moved? You observe the damage, but should you keep things as they were? What, what is the procedure there? Well, the number one thing is to protect, you know, you have a duty to protect the property. You know, if there's a car you can put up to do that, you know, don't make it worse. But the best thing to do after a loss, any kind of loss, auto loss, owners' losses to call your insurance company. And they will explain what they want you to do. And then if you follow what they want you to do, then you, you can't, you know, they can't go back and say you didn't do the right thing because they told you what to do. So, you know, I, I can say that, you know, it's called mitigate your damages, which means like, you know, don't, don't, don't just let it like let, let a hole in the roof just that there do nothing. You should, you should cover it. Maybe not yourself, but have someone come, come cover it. But really the best answer is to call your insurance company, just follow what they, what they say. And if you think whatever they're saying is, is on a reasonable for you to do, then you call the insurance department and then we'll work with the insurance company to maybe get a different answer for you. It's good to know that we have the insurance department here in New Hampshire that, that has everyone's backs, which is always reassuring. What about water damage? It can be very confusing, a confusing matter. What are some of the things to consider when it comes to water damage? Okay, water damage, I would say, is the most confusing thing. Basically, the way I like to tell people the simplest way to think about it is if your homeowners policy generally a cover, like if a per, like a pipe, a burst in your house, it won't cover the damage to the pipe, but it'll cover the water damage that, that ensues. But the other thing that, you know, is the possibility that, you know, it can happen no matter where you are, is what people call a surface water, you know, ground water. So that's called like flood homeowners policies don't cover that. If you're concerned about that, you should contact your insurance agent and say, I'd like to look into flood insurance. Now, flood insurance is kind of a partnership with the federal government and the insurance companies, because that can be such, obviously, you think about a major flood. It could be such a major loss that the insurance companies really can't absorb it. So there's a program, the National Flood Program, that's really from the federal government, but a lot of people don't have flood insurance, who really probably should. So I've always said that, you know, that is super important to look into, because you could be surprised the different ways the ground water can be kind of damaged your house. And you don't want to go and say, oh, don't worry, I have homework policy, then you find I know this kind of water damage is not covered. You can definitely look into a flood policy. Yeah, absolutely. And we have seen a lot of flooding in recent months and years here in New Hampshire. So be aware of your flood coverage. Now, I understand there's going to be a webinar on emergency preparedness and insurance coverage at the end of this month. And be sure to follow the NH Insurance Department's social media to get the link. Will that be a good place to ask questions regarding some of the things we've talked about today? Yeah, and the webinars, anybody can ask any question they want, so that's part of the process. And that also gets posted on YouTube also, I believe. So if you have questions, you can ask them here. But you can, on the webinars, you can ask as many questions as you want to, and we'll stay as long as people want to. That is quite a service. How often do those take place? You know, I only do the PC ones, but I think it's at least once a month we do a webinar. So obviously, there's a lot of people are interested in health insurance and life insurance and that stuff, and I don't do that. But the PMC ones, we probably do six or seven a year for us. And James Fox, New Hampshire Insurance Department's property and Casualty Director, before we have to wrap it up. Any advice that you'd like to pass along to our listeners? At the same if I say, you know, either go to your producer and talk to them, or if you do buy a directly from the insurance company, and you're concerned about your coverages, call the insurance company and say, "I'd like to have someone help me review my coverages to make sure I have what I need." But most people, I always think most, a lot of times, most people don't even know what their limits are. So it is really important to review those things, and don't just assume that they're where you want them to be. Yeah, and that is good advice unto itself, and again, don't forget the webinar coming up later this month. And you can ask all the questions that you would like, and you'll be there, correct? I'll be there, and the webinar is more like there's more than multiple people, so you get ready to go up. James Fox, thank you so much. Some great information today, we appreciate it. No, so we've been talking here. Alright, there's James Fox, who is the New Hampshire Insurance Department's property and Casualty Director, and again, the New Hampshire Insurance Department's Consumer Services Division is there right now to help you. And you can contact them by emailing consumerservices@ins.nh.gov, or by calling 800-852-3416, and you can learn more at insurance.nh.gov. We'll take a break, be back with more. Right after these words, Kaling Company Live, WKXL, nhchockradio.com, we are presented by Northeast Delta Dental, and we'll be right back. Welcome back, Kaling Company Live here on WKXL, nhchockradio.com, presented by Northeast Delta Dental. Tell your friends and neighbors, we'll be telling you the identities of our Vanity and Sanity License plate of the week coming up just a little before 9 o'clock this morning. So, tell your friends and neighbors, if they have a Vanity plate, it couldn't be there as you could win. A conventional oil change from weed family automotive, and conquered an oil change, a synthetic blend of oil, plus a thorough check-up of your automobile. If you are this week's Vanity and Sanity License plate winner. Well, Vice President Kamala Harris has formally won the Democratic Presidential nomination. That news broke earlier this morning, if there was any doubt about it ahead of time, but it's now official. And the Vice President will hold a rally in Pennsylvania today to announce a running mate. And this will be Harris's first visit to Pennsylvania as the Democratic nominee for President, after formally securing the nomination. The trip also marks her seventh visit to the Commonwealth of Pennsylvania this year, and the 17th since she was sworn in as Vice President in 2021. During the event, Harris will introduce her running mate, although it still remains unclear who that is going to be, but she has reportedly narrowed her choice down to two candidates, Pennsylvania Governor Josh Shapiro and Minnesota Governor Tim Walz. Harris campaign is touting enthusiasm in Pennsylvania, saying that more than 33,000 people have signed up to volunteer for the campaign of the Commonwealth in just the last 15 days. Campaign has nearly 300 staffers across 36 offices, including in swing counties like Erie, Luzerne, and Northampton. Campaign said it is also working to make inroads in historically Republican areas in Union Lancaster. That's how they pronounce it there, folks. I was corrected many times. Union Lancaster and York counties in Pennsylvania. So there you go. We will know, as you listen to this, if you're listening to the repeat of this broadcast between seven and eight, you probably already know who her Vice Presidential running mate is going to be. The campaign also said that Harris is barnstorming Pennsylvania while former President Trump, her opponent in November's election is struggling to keep up. It said Trump's campaign, and I quote here, "Lags far behind in the infrastructure needed to win with just three offices in Pennsylvania." And he has shown he doesn't want these voters. That's a quote from the Harris campaign, but you know, of course, President Trump wants those voters. He supports fracking. Well, years ago, she said she does not, she is not in favor of fracking, which employs thousands of people in the state of Pennsylvania. The fact that she made known years ago that she did not support fracking made her very unpopular in several states, where that is a main source of employment and, you know, a main source of economic well-being for those areas of the country. So at any rate, we'll see how it all plays out. She hasn't answered one question yet from any media outlet. So we'll see if that changes now that she is officially the candidate. And we'll see if Kamala and Donald Trump can get together on a date for a debate, or a couple of dates, maybe, for debates. The more the merrier, I say. Now, many of you are probably watching the Olympic Games over the last couple of weeks, and, you know, there's some crazy sports there. I mean, ones you don't normally see, which is, you know, the beauty of the Olympics, to some, and so many people wonder, when did that become an Olympic sport? Like, for example, three-on-three basketball. That debuted at the 2020 Olympics, the most recent prior to the Paris Games. So three-on-three basketball debuted just a few years ago at the 2020, which actually took place in 2021, Tokyo Olympics. Archery had debuted at the 1900 Paris Olympics. Now, badminton debuted at the 1992 Barcelona Summer Olympic Games. Baseball, which is not being played in this incarnation of the Olympics, baseball became a full medal sport at the 1992 Barcelona Olympics. Now, for our next round of Olympics in 2028 in Los Angeles, there is a good chance that baseball will return if they can find enough teams. In beach volleyball, that debuted in the 1996 Atlanta Olympics. Boxing, well, that's been around a long time. Boxing debuted at the 1904 St. Louis Summer Olympics. How about the ever-popular canoe slalom? Whitewater canoeing, that debuted at the 1972 Munich Olympics. But not contested again until the '92 Barcelona Olympics. Diving that debuted in 1904 at the St. Louis Olympics, the equestrian events debuted at the 1900 Paris Summer Games. Fencing goes back to 1896 at the Athens Summer Olympics. Golf, well, that debuted at the 1900 Paris Olympics, but did not become a fixture at the Olympics until the 2016 Rio Games. Handball came in in 1936 in the Berlin Olympics. Judo debuted in 1964 in Tokyo. Let's see, marathon swimming debuted at the 2008 Beijing Olympic Games. How about rhythmic gymnastics? Rhythmic gymnastics debuted in 1984 at the Los Angeles Summer Games. Rowing 1900 in Paris. Sailing debuted in the 1900 Paris Olympics as well. And the shooting debuted at 1896 in Athens. Skateboarding at the 2020 Tokyo Olympics. Soccer debuted at 1900 in Paris. Surfing debuted at the 2020 Tokyo Olympics. They're doing the surfing competitions in Tahiti, by the way. If you have not caught up with it. And Colin Joes, who's a regular on Saturday Night Live, was the NBC correspondent at the surfing competition in Tahiti. For these Olympic Games, husband of Scarlett Johansson. And he was forced to leave Tahiti because he got a foot infection. He was parading around barefoot when you ever saw him on a clip at the surfing at Tahiti. He was always barefoot. Well, he got a foot infection. So he had to be sent home. So too bad for Colin Joes of Saturday Night Live fame. How about trampolining? That debuted at the 2000 Sydney Olympics. Trampolining is an Olympic sport. Trampolining, yes. Believe it or not. And it debuted in 2000. I can't honestly say, Andrew, that they're doing it in these games. I have not seen it. But that's not to say it's not happening because there's a lot of stuff that you can watch, obviously. Maybe bowling will become an Olympic sport. Maybe. It should be. Why not? Why not? Golf is there. Why not bowling? Water polo. That debuted in 1900. At the Paris Games, weightlifting. At the 1896 Athens Summer Olympics. And contested at every games since 1920. So weightlifting is one of those enduring Olympic sports. And wrestling, you ask? Wrestling debuted at the 1896 Athens Summer Olympics. And it became a permanent fixture in 1908. So there you have it. Those are when the Olympic sports began. Some are being contested this time around. Some are not. And we'll see if baseball comes back when the Olympics moved to Los Angeles in 2028. We will find out. Kale and Company Live, WKXL NH-TALK RADIO.COM, presented by Northeast Deldenental. Coming up. We'll give you the identity of this week's vanity and sanity license plate. Right here, WKXL NH-TALK RADIO.COM, presented by Northeast Deldenental. Standby for more. [MUSIC] We welcome you back on this Tuesday. It's Kale and Company Live on WKXL. Now, this morning in Paris. Former UNH standout, perhaps, you could argue this and probably win. Probably the greatest athlete ever to come out of the University of New Hampshire is Vermont native Ellie Purier, St. Pierre. She plays third in the third heat of the women's 1500 meter race in Paris this morning. St. Pierre is from Montgomery, Vermont. Is only running the 1500 meters this year after previously qualifying for two categories. She ran about 4.30 this morning, qualifying for the semi-finals. Any runner that did not finish in the top six of the first round will have another chance to qualify for the semi-finals in another round, which is new this year. And that is slated to take place tomorrow. Now, the semi-final is set for Thursday, followed by the final on Saturday. In 2020, Ellie Purier, St. Pierre made it to the final in the Tokyo Games, where she finished in 10th place. So, there you go. Ellie Purier, St. Pierre, out of UNH, arguably the best athlete ever to come out of that outstanding university. Well, Simone Biles earned a silver medal in the floor exercise finals, her fourth medal in Paris, 11th medal overall. Jordan Childs, a longtime friend of Biles, and a teammate of hers, of course, took the bronze. Men's soccer semi-final play. France defeated Egypt 3-1. France will meet Spain for the gold on Friday as Spain down Morocco 2-1 Monday. Women's soccer semi-final play today. The USA takes on Germany at 11.45 a.m. So, USA Germany today at 11.45 and women's soccer. The men's soccer team was eliminated quite a while ago. And the US men's basketball team meets Brazil today in a quarterfinal match up at 3-30. It's the knockout round, folks. Win or go home. The US women who haven't lost in hundreds of years, it seems, at the Olympics, the basketball team will take on Nigeria tomorrow in a quarterfinal round match up. So, there's your brief Olympic update for today. Tuesday, the 6th of August, 2024, which is farm worker appreciation day. And those people are underappreciated. They work hard year round, 365 days a year. And unfortunately, a lot of farms that existed in New Hampshire are just not any more. A lot of dairy farms have, you know, closed. And boy, at one time there are hundreds of farms in New Hampshire now. That number has dwindled significantly. But it is farm worker appreciation day, and we do appreciate all of our farmers for bringing milk and dairy and fruit and vegetables to our table. Thank you very much. National Fresh Breath Day, not fresh bread, but fresh breath day. It's National Gossip Day. Do you have any good rumors to spread, Andrew? Any good gossip that you have here? I've never been much for gossip. I know. I know. You're not the gossipy kind. No, nor am I, really. Unless there's something really juicy going on. It's also National Night Out. And in Concord, National Night Out will be taking place, as it always does, at Rollins Park from 5 to 8 p.m. This evening, National Night Out at Rollins Park from 5 to 8 p.m. You know, you could really make quite a night on the town this evening in Concord. You could go to the National Night Out at Rollins Park. It starts at 5. They always have great, you know, great food at inexpensive prices. I think, as I recall, hot dogs are still a buck at a slice of pizza for a buck soda. And it's a great family-friendly event. There's usually a canine exhibition going on at the National Night Out. And it's just great to take the family because it might be their first exposure to, perhaps, you know, law enforcement, which is a good thing because when, you know, youngsters meet a police officer or a firefighter, you know, it means a lot to them. It really does. The event is for all ages and it's held across the country to heighten crime and drug prevention awareness, strengthen neighborhood and community police relationships and to send a message to criminals that neighborhoods are organized and fighting back on crime. So bring the whole family down. Be part of the community event. There's no cost to enter. Food only a dollar with the purchase of a ticket. Parking also free at Runlet Middle School in Concord with complementary shuttle service to the park. This year's festivities will include music, police and fire equipment, canine demonstration, touch your truck, and so much more. Numerous businesses from around the community will be set up and booths to make people aware of the services that they have available as well. So that's from five to eight. And then at seven o'clock tonight, seven to eight thirty right by the Merrimack River behind the Everderina on Loudon Road in Concord, Kiwanis Waterfront Park. The Never's Band will be entertaining. Bring a long chair, a long chair, a snack, whatever, a blanket. And you might be a little nippy tonight, believe it or not. I haven't said that in a while, but it might be a little nippy. This isn't me. Yeah, I know. Really a nice change. Listen to some great music. If you've never heard the Never's Band before, check them out tonight. Waterfront Park right behind the Everderina on Loudon Road in Concord. Celebrity birthdays today, Solille Moon Fry. Remember her from Punky Brewster? -Unky Brewster herself. -That's right. Solille Moon Fry. How old do you think she is, Andrew? Oh, my goodness. I mean, she's got to be a little older than me. I'm going to say late 30s, early 40s. 48. No kidding. 48 for Solille Moon Fry. Punky Brewster. And not a big day for celebrity birthdays. Lucille Ball was born on this date in 1911 in Jamestown, New York. And you know, Jamestown, New York used to have a team in the New York Pen League where I broadcast for a number of years, did Lowell Spinner's Games and there's a Lucille Ball Museum, which I visited in Jamestown, New York. Lucille left us April 26th, 1989. So there you go. So that's about it. As far as our vanity and sanity plate is concerned, we have a little musical accompaniment here from the human beings. One hit wonders. This might give you a clue. No, no, no. Well, our vanity and sanity license plate for this week is dash nope. N-O-P-E, dash nope dash. N-O-P-E surrounded by two dashes. And that car was spotted in that plate, I should say, on the vehicle. It was spotted in Concord. So if that is your plate or if you know the person that has that vanity plate, dash nope dash, inform them and then they can call us here at WKXL at 603-224-1450. 603-224-1450 and claim you're a conventional oil change with a synthetic oil blend and a thorough checkup of your vehicle from Wheat Family Automotive 124 Storage Street in Concord. Today, by the way, is also National Root Beer Float Day. Where do you come down on Root Beer Float, Andrew? Oh, I love them. Oh, boy. Who does it, right? And it's also Whittle Your Toes Day. I had, uh, an MRI recently. And I was wiggling my toes and the nurse told me to stop. But today you can wiggle your toes day on this 6th of August 2024. If you missed any of the show or just want to hear it again, tune in tonight right after 7 o'clock and tomorrow in studio. Live in a living color, it'll be our good friend, Scott Spradling of the Scott Spradling Band. He will be here, folks. Live tomorrow. Thanks for joining us. Drive home safely. And remember to always look on the bright side of life. We'll see you on Wednesday, but in the meantime, have a good Tuesday, everybody. [MUSIC PLAYING] [MUSIC PLAYING] [MUSIC PLAYING] [MUSIC PLAYING] (upbeat music) (upbeat music)