Health and Wellness Show 03-15-25

Episode Transcript

Speaker 1 (00:15):
And good morning to you. Welcome into the Health and
Wellness Show on one of three point five FM and
five sixty AM WVSC. It's great to have you with
us this morning. I'm Gary David and coming up we
got a busy hour. We'll be talking about one of
my favorite things to do when it comes to being well,
and that is to get out of Lake Murray. Matt
Lions Carefree Bow Clubs out of Lake Murray's going to
be a dropping by and paying us a visit. We'll
talk to Jim Snell from the law Office of James Now.

(00:37):
But first up, we got two guys who are here
to sell you something you can't buy, and that's peace
of mind. Well they can sure to help you get there.
It's Matthew Terry and John Farley, preservation specialist.

Speaker 2 (00:49):
Good morning morning, Gary, Hey, good morning.

Speaker 1 (00:51):
Well, if you get a pro price tag on that,
that means my goods priceless. Yeah right right, priceless.

Speaker 3 (00:57):
Well, wait, before we get started, I shout out to
my if it's her birthday today? Happy, yeah, yeah, yeah,
what luck going on at the Farley House today?

Speaker 1 (01:06):
Yeah, let's get this thing done. Well, put you all at
first today so you can get out of her at
a decent time and then take care and take care
of business. Yeah yeah, you got you got the card
and oh.

Speaker 3 (01:17):
Yeah, we all said we got to We got a
little a little gathering and some food and even a show.

Speaker 1 (01:22):
Oh yeah yeah.

Speaker 3 (01:24):
Well my daughter's involved in in organizing that because you know,
she's she's excellent at that, she's better than I am.

Speaker 1 (01:32):
So well, we know how uncomfortable you are in front
of people, John.

Speaker 3 (01:35):
Yeah, yeh yeh, No, I'm not doing the show.

Speaker 1 (01:37):
We're show.

Speaker 2 (01:40):
Yeah, very clear.

Speaker 1 (01:41):
Yeah yeah, we're not singing or anything off the old
Vaudefield routine.

Speaker 2 (01:46):
Yeah yeah, yeah.

Speaker 1 (01:48):
Well we start off by talking about peace of mind,
something you can't buy. But I mean seriously, when I say,
you're this is what you're selling, but really it is.

Speaker 3 (01:56):
Yeah, because here right, because you know, you can talk numbers,
you can talk everything all day long. But and you know,
we have all we have all kinds of you know,
people from different walks of life whom we work with.
And they come in and they come in from different angles.
And some people have a lot of money and they
think they have a little and some people have a
little money and they think they have a lot of
all of this sort of thing. And I guess you know,

(02:19):
and I've used this line before that there are two
things that we do, uh is we either disturb the
comfortable or comfort the disturbed, Right, And most of the
time it's the second. Most of the time, it's the latter.
Most of the time it's hey, you're good, We're just
going to show you how to do this. And so,
you know, if you think about somebody's retirement, people live
a long time now, longer than before, and many people

(02:41):
say retiring at sixty go ahead.

Speaker 1 (02:43):
I was gonna because I know you brought up a
statistic several months ago that just floored me, and that was,
if you had lived to be the age of sixty
five and you're married, then the chances of you making
it to someone there in their nineties or something we're
very high, wasn't it.

Speaker 3 (02:56):
Yeah, it's more than forty percent. Wow, in the current
in the current situation. Uh yeah, So you've got a
plan for you know, thirty years in many cases, right. So, yeah,
but there's a lot, like you know, there's a lot
that can be done. You know, a lot of people
will will do the kind of a traditional finance thing
where they'll say, okay, stocks, bonds, and I'll do this

(03:18):
thing called the Monte Carlo simulation, and you know, over
a statistically relevant amount of you know, runs on. How
would the market do you know, shuffling the returns in
the market if I couldn't. We don't know what the
future is. So the only way you can do it is, Okay,
let's take the historical returns and we'll throw them up
in the air and we'll sequence them many, you know,
hundreds of thousands of times in a row.

Speaker 2 (03:40):
And therefore, if the markets.

Speaker 3 (03:42):
Do similar to what they've done in the past eighty
five percent of the time, I'm going to make it
till with enough money till I'm ninety five.

Speaker 1 (03:50):
It's the fifteen percent you're worried about, though, exactly, that's
the issue.

Speaker 3 (03:53):
Yeah, and there are other strategies that you can employ
that you can show, like, you know, not that long ago.
It happens all the time. But a woman came in,
she and her husband and and she's like, Okay, now
I'm ready to retire. Where am I?

Speaker 4 (04:07):
Well?

Speaker 3 (04:08):
The fortunate thing is we've been working together now for
about four years, five years, i think, and we have
set up all of these things, and and and and
we had set all these things out, you know, and
then she's like, oh, now I see this is where
my income comes from. This is how I'm taking care
of long term care. This is okay, I'm good. And
it was just a weight off of her shoulders. That's

(04:30):
really I mean, it's as you say, it's priceless because
you know, people, you when you work and work and work,
and you got a paycheck coming in and you're you know, okay,
I'm in charge of this, this is what's happening, and
I'm doing this.

Speaker 1 (04:41):
Well, I'll keep showing up. Yeah. Yeah, So it is.

Speaker 3 (04:44):
But when that day stops, you need to know you
need to have a plan in place that gives you
the peace of mind and say okay, I'm good. And
the plan will include, you know, like I said, several
of those things, including things like taxes and where's your
money allocated and how does.

Speaker 2 (04:57):
It work for you?

Speaker 3 (04:58):
But it's all about peace of mind, it's all about
enjoyment for your retirement.

Speaker 1 (05:03):
Absolutely, so help us get there, mister Terry.

Speaker 2 (05:07):
Absolutely, yeah, let me ask you.

Speaker 1 (05:09):
This is I mean, there's there's never any such thing
as starting too late.

Speaker 5 (05:13):
I don't get or is there well, you know, I know,
you know, obviously the sooner that someone comes to us,
if we're able to identify that they need to make
a change, just how large that change has to be.
If they come to us five or ten years before retirement,
it's going to be a lot smaller than if they
wait until the year before they retire. Right, Yeah, absolutely,

(05:34):
you're at almost out a runway, So obviously that turn
that you have to make it's going to have to
be a lot sharper. So for us, you know, ideally
we recommend that people come and see us five ten
years before they retire. That gives us enough time to
really understand what your goals are, to begin building the
framework of what you're looking to accomplish in retirement, and

(05:54):
then we just start implementing that financial plan. You know,
we're all leading up to that future retirement date. But
once you get there again, it's like John said, our
goal is to for one, bring you that peace of
mind knowing that you have a plan, but we also
want to want you to have that light bulb moment
and the sense of we are comprehensive planners. Right, everyone

(06:15):
always thinks when they go to work with the financial advisor.
They're only going to help you with.

Speaker 2 (06:19):
Investments, stocks and bonds. That's it.

Speaker 5 (06:22):
That's it, and that is one piece of what we
help clients solve for is investments, but we also help
them with all other areas, you know, building out an
income plan. I'm not really sure how much people really
give that thought, but we're all going to be entitled
to social security at some point. Right, if you have
a pension, then you'll have a pension, but that those

(06:43):
are becoming less and less common.

Speaker 1 (06:45):
Right, if you've got one of those, good for you.

Speaker 5 (06:46):
Absolutely you must be a state employee or a federal employee.
All other companies are in essence, not not really offering
those anymore. So what we're here to do is to say,
if your social Security and if you have I have
that pension, If the amount of money that you're receiving
on a monthly basis is not projected to meet your
living needs, meaning the amount you're expected to spend on

(07:08):
a monthly basis, we want to help solve to say
where are you.

Speaker 2 (07:11):
Gonna pull from?

Speaker 5 (07:12):
Right, and it's not only where you're gonna pull from,
but how do we also incorporate tax planning as a
part of that.

Speaker 1 (07:19):
So how often do people here, for example, you said,
you know, an income plan for your time in years.
How often do people hear that and think, oh, you're
selling me an annuity.

Speaker 2 (07:28):
Yeah, you know that.

Speaker 5 (07:29):
It's it's the reality is is that we're not here
to sell you anything. Our job is to simply say
this is the problem that we're looking to solve, and
there's a number of different ways of tools that we
can use to solve this investment. It could be annuities,
but it can also be by just saying that we're
gonna set this specific pot of money over here, specifically

(07:51):
for the reason of investing it not as aggressively, so
we know that we're going to pull from it in
the future, and we're going to allow your other dollars
to grow and receive upside of the market potentially, right yep.
So that is certainly one way that we help clients.
Another way that we're going to help outline a game
plan as you are entering your retirement and even going

(08:12):
throughout your retirement is tax planning. You know, tax planning
is such a prudent part and I would say underutilized
peace that I would highly recommend that everyone understands their
tax situation a little bit better, because the reality is,
I've never met anyone that enjoys paying taxes. Right, If

(08:33):
there's any way that you can save yourself tax dollars
by just understanding and working with someone who understands the
tax code a lot better, I'm gonna say, sign me up, right,
And that's exactly what we do with our clients every
single day. We're looking to help them create that tax plan.
We're looking to save you from not paying more taxes
over the course of your lifetime. Sometimes it may require

(08:54):
you in order to maybe make some shifts, maybe make
some changes. You may intentionally say, let's pay a little
bit more taxes today, but you're going to be saving
your future self dollars because if tax rates go up again,
those dollars that you pay taxes on are not going
to be affected.

Speaker 1 (09:09):
So, John, how often do folks come in and sit
down with you uh and uh and have unrealistic goals?
And how do you deal with that? Do you find
that most people that come in with fairly realistic.

Speaker 3 (09:23):
Yes, yes, most people who come to us, I mean
listen most of the time, and and you know.

Speaker 2 (09:28):
I if you could.

Speaker 3 (09:30):
You know, they've been they've been squeezing their hand, they've
been they've been saving. Most of the time, my job is, hey, listen,
we've got this much set aside to do these different
things in your retirement. Here's your fun money, go spend
it range yeah, also tell yeah yeah.

Speaker 1 (09:45):
Yeah.

Speaker 3 (09:45):
So most of the time people come in and it's
that everyone.

Speaker 1 (09:50):
That was what that thirty eight special song was about
all those years ago.

Speaker 2 (09:54):
But I'll go yeah, yeah, exactly.

Speaker 3 (09:56):
But but no, But the deal is, once in a
while people come in and you show them the stuff
that that can be an uncomfortable discussion where you know,
you're just going to say, hey, you need just to
keep working. But most of the time it's not that.
So again, most of the time people, you know, there's

(10:17):
some people who've come in with very large chunks in
their nest egg and they're really really worried about running
or running out of money, and you can you can
do the math with the me. We show them the
model that we use and say, hey, this is where
you're going to be in next year, the year, after
five years, ten or so on. You're completely fine. So
but that's most of the situations.

Speaker 1 (10:39):
Yeah, I don't thin I've ever asked you this question before, guys,
but I'm sure this happens if somebody comes in and says, yeah,
I want to know, I want the peace of mind.
Okay that you're trying to help me find here, but
you know what, I want to keep working. You know, Now,
how does that change the dynamic of of of what

(11:00):
you're recommending to somebody who does want to keep working
for maybe as long as they can or in there
we all know people that worked the way in their
seventies eighties.

Speaker 3 (11:08):
Yeah, well, well here's the thing. I mean, what I
would say is and and this is a a very
big thing. Gary, That's that's a really good topic. Imagine
you know, there are a lot of people who come
in who have been very important people in there. You know,
they were a professor, they were an insurance whatever they were,

(11:30):
or whatever they are. I I encourage them to if
you enjoy it and it's life giving to you, keep
doing it to the degree that you want to do
it absolutely, Because you know there's there's a forget that
I'm drawing a blank on the name of the book,
but this guy wrote an entire book about the cliff
of retirement where people come in and then all of
a sudden it's like, well wait a minute, you know,

(11:51):
and and I was I you know, I did this
for my career and when something went wrong, they came
to me and said, hey, how do we fix this?
And that that you know, that was a very important
part of somebody's life because hey, I'm an expert at
this and I and I'm good at it and I
enjoy it and all. So absolutely, I'm I'm encouraged people

(12:15):
because I have seen the other I mean, I've seen
the well, I'm retired and all right, I cleaned out
the garage fourth the time, and I've played golf too
many and now I can't fish anymore. So I definitely
encourage people if there's a way, especially and it's it's
common in industry even where people will will get hired
back as a consultant for twenty hours a week. Sure, yeah,

(12:37):
you know something like that. So yeah, no, I definitely
encourage that because it's it's good. It's good all around.
I mean, it's good, it's it's there are several people
for whom that's great. Now, there are other people who
have plenty of things that they've already lined up in
retirement that are going to keep them busy and.

Speaker 2 (12:52):
They're ready to walk and go right.

Speaker 3 (12:53):
But it's an individual you know, it's on a one
by one basis.

Speaker 1 (12:58):
You know, ilha. Think of the exact sample of you know,
the Paul bear Bryant example. I mean, my goodness, Paul
Beart Bryant retires from coach in Alabama. It's I know
it was in the next day, but it seemed like
it he's gone. Yeah he dies. Yeah, I mean for
some people that's that is their life.

Speaker 2 (13:14):
Yeah.

Speaker 1 (13:15):
So anyway, but even if that's you, if you want
to keep working, why not still you know, maximize this
other part.

Speaker 3 (13:24):
Absolutely, yeah, because now in many cases when you're doing that,
there are other things that that are probably you know,
maybe important to you, the grandkids, setting up you know,
making sure that the grandkids' education might be take care
of said things like that. Maybe there are charities that
are really important. Dear to your heart, you want you
want everything to be set up there in all of this.
You don't want to pay more tax take That changes

(13:47):
that though, doesn't it, right?

Speaker 5 (13:48):
Yeah?

Speaker 1 (13:48):
Yeah, you still got that income coming in, so yeah,
now the tax planning is more important maybe than ever.

Speaker 2 (13:52):
Absolutely, yeah, yeah, absolutely.

Speaker 5 (13:53):
You know, any anytime we talk about tax planning, always
make sure I tie in a legacy piece to that,
meaning what sort of legacy are you looking to leave
to your heirs, your loved ones if no tax planning
is done. Oftentimes, if people come to us, they have
a ton of money that's within a traditional four to
one k And you know, if we run all of
our different models and we say, hey, good news, you're

(14:16):
going to be just fine. But at the age of
ninety five, if you were to pass away, you know,
maybe you're leaving behind a two hundred three hundred thousand
dollars tax bill to your loved ones. Right, people say, oh,
oh my goodness, is there anything I can do about that?
So then we say, well, of course, you know, we're
going to help you slowly. Let's pay some taxes today,
you know, opportunistically over the course of your lifetime. If

(14:38):
we work together, and now, what the projections may say,
instead of your loved ones having a two to three
hundred thousand dollar tax bill, maybe now they're only expected
or projected fifteen twenty twenty five thousand dollars. That's a
lot easier appeal to swallow in that case, right, if
you're able to inherit more money tax free, sure, and
they pay less than taxes to me, that's a and

(15:00):
when and that seems like.

Speaker 1 (15:01):
That individual we're just referring to who wants to keep
working in a better position to do that maybe than
somebody who's not.

Speaker 2 (15:07):
Absolutely yeah, absolutely.

Speaker 3 (15:08):
Absolutely yeah, yeah, And then there are all kinds of things.
I mean, you know, health comes into you know, never
know what e's going to happen. None of us live forever, right,
you know, and so there are things. Yeah, you know
you factor in all these things. But but again going
back to what it's all about, an individual plan for
you and your family and and what what gives you
peace of mind and makes you happy.

Speaker 1 (15:30):
That's what's different about what you guys do a lot
of different things here. But again, if you go to
a stockbroker, why do they care? Yeah, right, I mean
they're going to try to find the best stocks or
bonds for you or a combination of the two. But
I mean you guys do take the time and only
do you develop the plan, but you review the plan regularly.

Speaker 3 (15:48):
Yeah, yeah, at least yearly and sometimes more frequently as
needed as life changes. But yeah, definitely, because there's a
lot going on. And and and I think it's important too,
is that is that you know, working with somebody who
who's who's trying to do you know, who's giving you
a comprehensive plan and working for your best interest. That

(16:10):
that you know, when you talk about somebody's retirement, your
assets or your investments are simply one part of it.

Speaker 2 (16:17):
But you know, there's there are the other areas.

Speaker 3 (16:19):
There's the tax, there's the state, there's insurance if you
need it, there's the income plan as we mentioned before. Uh,
and then of course there is there are the investments.
But those are the five areas that if you if
you put them all together, you can have a pretty
good plan and at the end of all of that,
satisfied with the peace of mind knowing, Okay, I'm going
to go.

Speaker 1 (16:38):
Preservation specialists don't want to start the conversation. I think.
I think it's if nothing else we've learned that, I mean,
don't wait till it's maybe too late.

Speaker 2 (16:48):
Really, that's right.

Speaker 3 (16:49):
Yeah, And and for us, I mean, just to be
very clear, it's it's a no cost, no obligation.

Speaker 2 (16:54):
Uh.

Speaker 3 (16:55):
First two meetings So in the first meeting, we're fidicherries.
So we ask a bunch of quest questions, and we
ask you to bring in stuff, and we want to
get to know what are your plans or what are
your thoughts?

Speaker 2 (17:05):
How do you know what orations we want to know
about you.

Speaker 3 (17:08):
Then in the second meeting, what we do is we
show you, in some cases maybe a five thousand foot
view of where you are, in some cases maybe even
a little more granular, but on those five areas that
I mentioned. And again it's no cost, no obligation. So
even if you know folks are sometimes people out, I'm
very happy Raym. I'm like, okay, that's fine. Maybe you're
doing great. A free second opinion never hurts, never hurts. Yeah, yeah,

(17:30):
So maybe that's who you are. You want to get
that free second opinion. How I photos get ahold of
you guys at Preservation Specials Matthew.

Speaker 5 (17:36):
Yeah, give us a call at aight oh three non retire.
That's aight oh three, non retire.

Speaker 2 (17:42):
We happy to talk to you guys, see you soon.
Thanks hearing. Hi, this is John Farling.

Speaker 3 (17:47):
Now let me ask you is your retirement inflation proofd
Here's what I mean in retirement. Chances are you're on
a fixed income with variable expenses. So how do you
not run out of money when the cost of about
everything continues to go up?

Speaker 2 (18:02):
You inflation proof it.

Speaker 3 (18:04):
Our team at Preservation Specialists can show you strategies to
help combat inflation so it doesn't outpace your retirement income.
Call us today at ATO three nine retire to learn more.
Inflation could take a huge chunk out of your retirement savings,
but it doesn't have to. With some simple planning, inflation
can go from being a major disruption to just a

(18:25):
minor annoyance. Call the team at ATO three nine. Retire
now to start inflation proofing your retirement today at three
nine retire. That's eight three nine retire. Securities off through
Okado's capital member Finn or a SFPC Advisori services off
through okados Will. Perservation Specialists and Arkados are not affiliated
through any ownership.

Speaker 6 (18:44):
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Speaker 1 (18:51):
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Speaker 6 (18:53):
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Speaker 2 (19:00):
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(19:36):
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Speaker 1 (20:02):
Hey, we're back on the Health and Walla Show one
three point five FM five sixty AMWVOC and of course
always on the absolutely free, totally cool iHeartRadio app. If
you haven't put us as your number one pre set
on the update of that app, go ahead and do so.
If you have an update drop in a while, check
that out because you're going to really love the new features. Hey,

(20:23):
it's Matt Lyons, the proprietor at a carefree Boat Clubs
of Lake Murray with two locations on either side of
the lake. Good morning, my friend.

Speaker 7 (20:29):
Good morning, sir.

Speaker 1 (20:30):
How you been good?

Speaker 8 (20:31):
Now?

Speaker 1 (20:31):
I understand that you have officially now officially set the
opening date of Lake Murray boating season this year.

Speaker 2 (20:39):
I have I have it.

Speaker 1 (20:40):
You're the guy.

Speaker 7 (20:41):
I'm the guy.

Speaker 1 (20:42):
Yeah.

Speaker 7 (20:42):
No one was really willing to step up and make
that date, sobody's got to do it. Figured i'd put
it down. And weather has been getting better, boats have
been going out more, and I had to put a
line in the sand literally when I'm making sand.

Speaker 2 (20:56):
Hey, I have.

Speaker 7 (20:57):
Sand over at Lake Murray Resort.

Speaker 1 (20:58):
Yep.

Speaker 7 (20:59):
So I had to say to myself, what's the date
where all the new boats got to be in? They
got to be broken in, members got to be trained
and ready to go out and comfortable on the water.

Speaker 1 (21:09):
I got to be.

Speaker 7 (21:10):
Fully staffed and everything else. Right, there's a there's a
lot to get done. And I said to myself, I
got to come up with a date. So I picked
May seventh, which is a Wednesday.

Speaker 1 (21:21):
A Wednesday, Yeah, it's it's.

Speaker 7 (21:23):
Officially the first Wacky Wednesday, which is kind of a
boating party that happens on the lake at Sandy Beach.
We have a lot of members who hop in a
boat and go out there. I'll be there myself. We're
sponsoring the first Wacky Wednesday, providing food for everyone and
taking donations for a very good local charity and so forth,
and then we get going. The beach Club opens then

(21:46):
May eighth, the next day, first live music at the
Beach Club. May ninth the next day after that over
at Lake Murray Resort. And by then all of our
new boats will be fully broken on the water ready
to go, including got to think here for a minute
sting Ray twenty three foot bow rider with a three
hundred horsepower engine, a twenty four foot dual console sailfish.

(22:11):
Two brand new, fully tricked out, fulcon bass boats for
those who like to fish, and then new this year.
It's brand new, brand new.

Speaker 1 (22:20):
This year.

Speaker 7 (22:21):
We had we still have the center console fishing boat.
But I wanted I've been wanting to add a bass boat.
And because I make bad choices, I added to one
fretty excited.

Speaker 1 (22:33):
Well, you know what is right? Maybe if fifty fifty
one was the perfect.

Speaker 7 (22:36):
Boat exactly exactly and the deciding factor was I had
one member who said, you know, Matt, I love everything
about the club, but I really wish you had a
bass boat and you'd let me go out super early
to fish. And I said, I'm gonna get you a
bass boat then, and we'll let you go out as
early as you want to go out. Just don't expect
me to meet you, but we'll leave the keys for
you and make sure you're able to launch it and

(22:58):
get going. And he can go out at four or
five a m. And have a great morning.

Speaker 1 (23:03):
Now, you just told us a lot. He just packed
a bunch of information. I do.

Speaker 7 (23:06):
I talk, I talk real fast.

Speaker 2 (23:08):
I'm one of those Northern.

Speaker 1 (23:08):
No But if you've never heard Matt with us on
the Health and Wellness Show, you might be surprised to
find out. I didn't know so much stuff went on
at a boat club.

Speaker 7 (23:20):
A lot goes on. We really I'm I'm a huge
fan of the boat club business. From a standpoint, it
saves you a bunch of money. It's third the cost
owning a boat. Third cost doesn't matter.

Speaker 1 (23:32):
How do you break that down? Just when you say
a third the cost of owning a boat? So yep,
So what are you not having to pay.

Speaker 7 (23:38):
You don't pay for insurance, you don't pay for the boat, right,
you don't pay for maintenance, you don't pay for upkeep,
and you don't pay for the trailer, trailer storage or
boat slip. And if you if you want to own
a boat, that's awesome. I could tell you one. And
I've got a boat slip you can.

Speaker 1 (23:58):
Put it in.

Speaker 7 (23:59):
A boat slip itself is on this lake comes out
to really close to three hundred dollars a month, regardless which.

Speaker 1 (24:06):
And you go you have when you reserved. I know
this because years back we had a boat slip yep.
And it's not all you say, yeah I want it
May through September.

Speaker 7 (24:16):
No, not on you.

Speaker 1 (24:17):
You gotta pay for the whole year. On Lake Murray.

Speaker 7 (24:19):
You pay for the whole year for a boat slip
pretty much in any marina that I know of, only
because there's not that many For a sixty five thousand
acre lake. There's very few marinas, so that slip property
is super valuable. And they got to pay dominion every
year for the right to have the slip there. They
got to pay for the dock up keep, they got
to pay a lot of cost involved in having the marina.

(24:42):
So cost right now is about three hundred bucks a
slip for a normal pontoon. You're gonna pay that year round.
You might get a deal. I think up at Fat
Frogs Marina we rent slips for twenty seven to fifty
for the year.

Speaker 2 (24:54):
Over at Lake Murray.

Speaker 7 (24:56):
Resort we rent slips for three thousand dollars a year,
so it's it's right around that three hundred dollars a
month mark to be a member of a boat club
at least to be a member of care Free is
three hundred ninety five dollars a month. So at that
point you're paying ninety five bucks more than you would
pay for a slip, and you're getting access to right now,

(25:16):
twenty eight boats on the water, four wave runners on
the water. Our average boat MSRP is over eighty thousand bucks.
So they're nice boats with big engines on them. They're
completely cleaned, maintained, ready to go. You don't have to
pay insurance, you don't get hit with any extra fees.
We don't charge you for We don't charge you for

(25:37):
filling up the tank. We charge you for the gas
because that we don't control you pay for the gas
you use with anyone, but we don't charge you to
fill it up, We don't charge you to clean it.
We don't charge you training fee, We don't charge you
any hidden fees at all. We make it super simple,
super easy.

Speaker 1 (25:53):
This is the price. That's the price.

Speaker 7 (25:55):
Three hundred ninety five bucks a month, and you go
out and use the boats as often as you want.

Speaker 1 (25:59):
Okay, So again, let's let's let's let's play those numbers
for a minute. So three ninety five a month.

Speaker 2 (26:06):
Correct.

Speaker 1 (26:07):
Oh, there's an initiation fee, but you've got great deals
on those fees, especially this time of the year.

Speaker 7 (26:11):
Our current initiation fee, which goes on all it ends Monday,
is sixty sixty okay. So, and I'll just tell you
right out the bat, it's two thousand bucks one time
initiation feel kind an annual fee. It's not a We
don't at least I don't believe in hiding what the
cost is.

Speaker 1 (26:26):
I'll be there one time. Once you become a member
of the club, you don't you pay your initial initiation fee.
And that's it. Correct, Okay, So we're over that hurdle.
And now so we're talking about three ninety five a
month to be part of the club versus you know, say,
just again, as you mentioned, maybe three hundred a.

Speaker 2 (26:46):
Month just for a slip, just for a slip, which.

Speaker 1 (26:49):
Doesn't include the cost of buying the vote, correct, doesn't
include as you mentioned, the insurance.

Speaker 7 (26:53):
The taxes.

Speaker 1 (26:54):
If you never owned a vote before, you might be
surprised at how much maintenance of boat requires. Absolutely how
much that can and cost you.

Speaker 7 (27:00):
Well, I'll break it out. If you get a brand
new boat, at ten hours, you need to do a
ten hour service, and at twenty hours.

Speaker 1 (27:07):
That's what I was doing wrong. I never got the
ten hour service.

Speaker 7 (27:09):
Yea, most people don't. At twenty hours, you need a
twenty hour service, and then you need one hundred hour service.
So you've got three services the first year. Each one
of them will cost you about four to five hundred bucks. Well, yeah,
so that's fifteen hundred bucks out the door of the
first year, not including the wonderful state of South Carolina
that'll charge you tax on your boat and on your motor.

Speaker 1 (27:30):
So exactly you pay two taxes yep, if you.

Speaker 7 (27:33):
Were to buy one of our boats, which is about
an eighty thousand dollars boat. In addition, to the cost
of the boat. You're going to pay probably twenty five
hundred dollars first year taxes, maybe thirty five hundred I'm
not a tax guy, but somewhere in there.

Speaker 1 (27:48):
And then that more than covers your initiation. Heya.

Speaker 7 (27:51):
The second year you're going to pay that again. The
third year you're going to pay that again.

Speaker 1 (27:54):
And guess what you haven't paid in year two, three
and four.

Speaker 7 (27:57):
And you've got to register the boat, which is I
think in South Carolina seven hundred bucks a year something
like that. That register the boat with DNR. You got
that cost to go on. So it just keeps adding up.
And I love boating, Don't get me wrong. I am
a huge fan of being out on the water. I
moved here three years ago because we fell in love
with Lake Murray. We were eating lunch of catfish Johnny's

(28:18):
and my wife said we should move somewhere like this,
and I said, we should just move here, and that's
what we did.

Speaker 1 (28:25):
So we've talked to the dollars and cents, but we
haven't talked about yet. Is the time value of money.

Speaker 7 (28:33):
On average, a boat owner spends one hundred hours a
year maintaining trailering pulling around cleaning their boat. That's not
a cost. That's one hundred hours a year they spend
doing boat related activity. If you've ever tried to put
a cover on a boat, that's gonna take you thirty
minutes right.

Speaker 1 (28:53):
There, oud and around it might take you an hour
depending on who's helping you and not to And then
when you've got crawl under there to put the little
you know, poll up to so your your your cover's
not flat and collecting rain water absolutely it is, you know, August,
and it's like a two hundred degrees underneath that. Yeah,
oh yeah, I don't miss those days.

Speaker 7 (29:12):
And I won't say how many fights have happened because
of that between a husband and a wife or a
or a dad and his son or daughter right and
everything else, So we we save marriages, I like to say,
you know, and then just trailering it everything else. When
when your kids look at you and say, hey, dad,
let's go out.

Speaker 1 (29:30):
On the lake.

Speaker 7 (29:31):
If you own a boat, as the dad you're sitting
there going, that's going to be thirty forty five minutes
to an hour before we get out on the lake.
Because we got to make sure the battery is charged.
We got to make sure it's got gas. We got
to make sure it turns over. We got to make
sure the covers off, we got to make sure it's cleaned.
I got to carry the tube down to the dock.

Speaker 1 (29:48):
I got that's if the boat's slipped already, that's the boat.

Speaker 7 (29:51):
If it's not slipped, then you got to hook it
up to the trailer and do all those things. Anyways,
and then you got to go fight with people at
the ramp, and you got to pay for the ramp.
Use So again, I've got a ramp at Lake Murray Resort.
We're happy to have you use it. It'll cost you
every time you do, because ramps aren't free. Because by
the way, Dominion charges us to have a ramp every year,
and we got to maintain it, and we got to

(30:11):
put it in well you know.

Speaker 2 (30:15):
Exactly exactly. So yeah, it's it's a lot of work.

Speaker 1 (30:18):
This one hundred hours a year you're talking about. That
doesn't include the time actually on the lake enjoying the boat.

Speaker 7 (30:26):
No, that is that is outside of your enjoyment time.
If you're a member of a boat club, and I'll
market every boat club on the lake, if you're a
member of a boat club, not just care free.

Speaker 2 (30:38):
The world is.

Speaker 7 (30:39):
You pull your car up, you walk into your boat,
you leave and go boating. You don't do any you
shouldn't with any boat club do any of that extra stuff.

Speaker 1 (30:48):
Right, And I'm gonna bet I know this from experience.
When we owned boats, there was no way we spend
one hundred hours a year on the water.

Speaker 7 (30:57):
No, because you find yourself not wanting to go, because
it becomes a job, because you've got a trailer and
you've got to clean it, you've got to take the
cover off, you've got to do a whole bunch of
bs before you get to boating. That in the back
of your mind, whether you're admitting it to yourself or not,
you're convincing yourself not to go voating that day.

Speaker 1 (31:17):
Well, because that's a hass. I can tell you as
a former boat owner. And now I remember the Lake
Murray at the Caffrey Boat Club, a Lake Murray, it's
it's it's night and day. And because you have so
many boats to choose from, it's not unusual. And you
can attest to this, you know, for me to call
you and say, hey, Matt, you've got anything available today? Yeah,

(31:40):
come on out Gary, I mean, and it's it's that simple.
We hop in the car, we ride out there, we
jump on the boat, we go.

Speaker 2 (31:46):
Yeah.

Speaker 7 (31:47):
We make ourselves very experts and it's no more than
a text we get. I get members daily that text
me saying, Hey, is there a boat available today? And
my response is usually sure, what kind and what location?
Because I don't know if you want a bow rider,
I don't know, if you want a double decker. I
don't know if you want to try tune, I don't
know if you want to go fishing. You can't buy

(32:08):
a boat that can do everything that all of our
boats can do. But you can join a boat club
and take advantage of all the different types of boats available, right,
get the boat that works for you that day. You know,
it's really a fairly unique and cool scenario, and it
costs less than owning, and it's a lot less asshole
than owning. It's a weird world where I can literally

(32:30):
look at my business and say it's a benefit to everyone.
What businesses can say that fast food is a benefit
that you don't have to cook, but health wise it's horrible, you.

Speaker 1 (32:43):
Know what I mean.

Speaker 7 (32:43):
So at the end of the day, you look at
that and say, I'm still trying to figure out a
business that is truly nothing but a benefit. And this
is what this is, the Only thing a boat club
doesn't work for is if you don't like the boat.
And that's okay. If you don't like the boat, you're
not going to look at a boat club gonna buy
a boat.

Speaker 2 (33:00):
So it's all good.

Speaker 1 (33:02):
So but then there's all the other stuff that goes
wrong with being a member at your club that doesn't
have anything to do with getting in a boat, getting
on the water.

Speaker 7 (33:11):
Yep, yep, there's again. I like to joke a lot
and say I make bad choices that are super fun.
So I was luckily lucky enough to put together a
team that bought Lake Murray Resort. Everyone who joins care
Free Boat Club gets a free beach club membership, and
then that's just about social fun, access to the water, hopefully,
an environment where you can get a table and a

(33:32):
chair when you want to have a good bite to
eat in the summer months, right, things like that. So
it's really we do member mingles where we get the
members together if they if they want to get together
and meet other members and make it social there's a
ton of people that move down here that aren't from
the area, that don't have their high school friends down
the block from them, so they want to meet new people.

(33:52):
We like to make that happen. If we can things
like that, it's because we're part of that group.

Speaker 1 (33:59):
And then, of course, the restaurant on site at Salishow
is not south Shore but Lake Murray Resort. Lake Resort, Yep,
they fantastic.

Speaker 7 (34:07):
The restaurant there now is Buck's Pizza. They're doing a
really good job. I highly recommend their deep Dish pizza.
And I'm originally from Chicago.

Speaker 1 (34:15):
You're a deep dish guy.

Speaker 7 (34:16):
I'm a deep dish guy, and I'm like, I'll never
get deep dish down here. It's going to be terrible.
I'm gonna hate the world. And I eat their deep
Dish pizza.

Speaker 1 (34:24):
More often than you should, three.

Speaker 7 (34:26):
Ish times a week, maybe because I'm there working and
it's just easier to call over and say, hey, David Robin,
can you cook me? They know exactly what I want,
they know exactly how to make it.

Speaker 1 (34:36):
And I guess, is it possible that three ish could
wind up being more like maybe five or six lives?
I could do that every day of the week.

Speaker 7 (34:43):
Yeah, what limits my intake of bucks pizza is the
days I don't go to the marina. It's pretty much
it goes hand in hand. Don't tell my wife. It's
pretty much goes hand in hand with every day that
I'm there. I try to actually leave before lunch so
I don't eat more pizza.

Speaker 1 (35:03):
It's not easy. And then you got on the other
side of the lake. Yeh. For folks on the north
side of the lake, you've got you've got you had
options for them too, yep.

Speaker 7 (35:11):
Fat Frogs Marina, which is we've got boats in the water.
I think I've got seven boats over there right now.
Of the twenty eight in the fleet, I think seven
or nine are over there right now. And it's uh,
it's right on dre Island Road, so it's real close
to Drere Island State Park. We will also this summer
be doing daily boat rentals out of there. We've put

(35:31):
a couple of boats up there for daily boat rental
folks that don't want to join a club, but you
just want to go out, you know, once or twice
a year. And then we have Doolittle's watering Hole that'll
be opening up quite possibly by that start of summer,
which is May.

Speaker 1 (35:45):
May seventh is the official start of the water.

Speaker 7 (35:48):
All my stuff is May eighth, So I think there's
a very good chance Tammy and her crew will be
ready to go. The only delays have been building related
and state related. They've been wanting to for months now,
so we're hoping they'll be.

Speaker 8 (36:02):
Uh.

Speaker 7 (36:03):
I'm very confident that we will buy that May seventh day.

Speaker 1 (36:06):
Okay, well, uh, you know, boy, got'll be here for
you know it, man.

Speaker 7 (36:10):
It's way sooner than you think.

Speaker 1 (36:11):
Believe me.

Speaker 7 (36:12):
I'm right now. I'm sweating trying to figure out if
I can get all the boats broken in because we
got to put those first ten to twenty breaking hours
for our members so you know, there's less damage to
the boats, the boats maintain better, all that kind of stuff.
And unfortunately it's usually my job to put those hours
on those boats.

Speaker 1 (36:28):
Somebody's got to do it, right, I know.

Speaker 7 (36:30):
But when you buy six, eight ten a year, that's
a lot of hours on the boat.

Speaker 3 (36:34):
Like I'm working, I'm working really hard, very it's really
hard to be me.

Speaker 1 (36:38):
Yeah, somehow, I'm not feeling real sorry for you here.

Speaker 7 (36:42):
No one does my wife doesn't.

Speaker 2 (36:43):
The folks that bucks don't.

Speaker 7 (36:45):
Don't feel sorry for me, No one does.

Speaker 1 (36:47):
Jeffrey book clubs out of Lake Murray and by the way,
quickly because we're about out of time here. You have
the reciprocal boat agreement, so you can you can put
you can grab a boat and get on the water
and hunter and fit.

Speaker 7 (36:57):
The other locations including two in Charleston, in Hilton Head Lake, Wilie,
Lake Norman. So probably six eight clubs within two and
a half.

Speaker 1 (37:06):
Hours where we're at. And offshore boating too.

Speaker 7 (37:08):
Offshore boating. You go down to Florida. We've got fifty
sixty clubs down there. You can take boats out. I
recently took a boat out up at Lake Michigan outside Chicago.
It was an adventure, to say the very least, because
that's water I'm not used to, you know, but it was.
It was great for the family. My daughter came out
with their friends and we took a boat out and
had a great time.

Speaker 1 (37:28):
All right, head of folks, get a hold of you man,
get get signed up. Take advantage of the sixty percent
off the initiat.

Speaker 7 (37:34):
Absolutely, they can give us a call at eight three
three four boat four four or they can email me
at Matt at carefreeboats dot com.

Speaker 1 (37:42):
All right, Matt, seeing late buddy, Thank you sir.

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Speaker 8 (39:39):
Eight Jim Stouth The Loss of James Nell.

Speaker 1 (39:52):
Good morning, my friend Garreth. Hey, thank you so much
for having me. Always a pleasure. Today surveillance, not government surveillance,
insurance company surveyed.

Speaker 4 (40:02):
And I want to tell you this so you know
I thought about this topic because right now I'm being
you know, surveyed upun you're being surveilled. I am being
surveyed upun because right next to me is a lawyer,
Anna Kirkland, from the law office of James Snell, who
came up and made a special trip just to just
to sit in today. I don't think she planned on
participating or talking Hello. Anna, Yeah she's way over there.

(40:27):
Yeah I can't hear but but but yeah, so we
don't talk about I just kind of thought it's kind
of interesting, you know, people.

Speaker 1 (40:34):
Should we get Anna on first to fight out what
she's found out about you while she's surveilling you, or
oh my god, that that'll be a whole thing.

Speaker 4 (40:40):
It'll best way not it'll it'll it'll probably trigger the
recession or you know, rate hikes or who knows what'll
you know? No, no, she can, she can. Everything's privileged. Also,
she's a lawyer, so she can't.

Speaker 1 (40:54):
Get that attorney privilege. Or is there such a thing
as antorney attorney privilege? I'm not familiar with that one.

Speaker 4 (40:58):
Just call yourself a client, and you know lawyers consult
with other lawyers all the time. Does it really does
it really take a dollar? Or if there's a privilege,
there's no I think there's any requirement for compensation.

Speaker 1 (41:12):
Well, I was thinking about this.

Speaker 4 (41:13):
I do the surveillance though, right, because it comes up,
and it's something that has continued to come up. You know,
I've seen it just over the years in different types
of cases. And what I'm referring to is the i'll
call it phenomenon where usually in a worker's compensation, but

(41:33):
sometimes and maybe after a car accident, are or another
type of you know, injury where somebody has typically real
significant claims, significant injuries that either prevent them from working
or really substantially interfere with their ability to do life activities. Right,

(41:56):
insurance companies will hire private investigator. You know, it's typically
the same kind of folks that would do domestic surveillance,
you know, following around husbands or you know. Yeah, but
they hire this kind of the same kind of people,
and they will kind of stake out, uh maybe the

(42:17):
injured person's house, uh, you know, kind of unbarked cars,
kind of you know, park a couple of houses down,
real cloak and dagger type stuff all that, and they'll
follow them, uh, you know, to to stores or follow
them around to see where they go and record video
and take pictures. Right, and of course, what they're doing
is they're looking to catch people who are either you know,

(42:43):
acting like they're not hurt at all, or acting maybe
in a way that they can present as as less
hurt than they claim.

Speaker 1 (42:53):
This this happens a lot. Huh, this is not This
is not like some shocking revelation necessarily, but we know
what happens.

Speaker 4 (42:59):
It's it's it's not and I'll tell you and and
and insurance comes. I mean, there are some people out
there that really are gaming the system and are are
you know, will fake it right. Of course, what I'm
always concerned about as a as a lawyer, if I
have somebody who actually is really injured, you know, you

(43:19):
get some you know, some somebody follows them around for
you know, dozens of hours, and you know they they
take a couple of pictures of them sweeping the front
porch for example, had that happened. You know, guy's holding
a real light like straw broom, and you know it's

(43:40):
just I mean, he just you know kind of you know,
if you're hurt in the house all day, you know
people are gonna still He's reasonable expect people try to
do what they can sure, and this guy's you know,
peddling around. He's not you know, moving boulders or working
a job or anything. He's just out uh, you know,
with a real lightweight broom. You know.

Speaker 1 (43:59):
Of course we get to the hearing.

Speaker 4 (44:01):
You know, they've got these pictures blown up like it's uh,
like it's the greatest revelation ever. And and and for
that client particular, in that situation that they were able
to they were able to see through it, and it
hurt us, but they really tried to leverage it right.
And you know, I know people have good days and
bad days, and you know, no one should be feeling

(44:24):
they have to hide. But at the same time, you know,
if if somebody does put themselves in a position for
a few seconds where it kind of creates a bad optic,
I mean, it really can't hurt their case.

Speaker 1 (44:35):
As we've talked about, these cases can drag on for
not just months.

Speaker 4 (44:39):
But years, depending on this on the circumstance and the
amount of the injury.

Speaker 1 (44:44):
So I'm a visiting a scenario where a private investigator
could show up and start tailing somebody. Uh, let's say
a year after the incident. Yes, Uh, that individual has
suffered pain and injury, that they've they've maybe they're better now,
but that doesn't that doesn't mitigate the damage that was
done twelve months ago. Does it correct?

Speaker 2 (45:06):
Correct?

Speaker 4 (45:06):
And one of the things, so the the and I
was just saying on on my end, one of the
one of the things is when you get that type
of report, we find out there was a especially in
workers' compcases, the insurance companies won't you know, typically readily
disclosed they've had surveillance done. And so of course if

(45:29):
they find something they think they can use, you know,
we'll hear about it, uh, you know, at some point,
but otherwise, you know, they may never disclose it to us.
And so one of the things I do is when
I have the case where I think surveillance might have
been implemented, is I'll end up trying to make a
formal request for any of those records in particular. And

(45:50):
sometimes you get the disclosure and here's you know, all
the thousands they spent on investigator following you know, the
person around and they found nothing. They got nothing, and
that's helpful. That's I'm done for you. There's it's what's
at least helpful. And you know, on the other end,
you know they will not you know, uh, want to

(46:13):
reveal it until maybe they've taken the One of the
things I've seen several times is they'll take a deposition
of the injured person and depositions the process where they
send them use using a lawyer's office, maybe by office,
and they'll ask them questions with the court reporter and
they'll they'll go through the questions, you know, have you

(46:34):
been you know, have you been able to to walk
your dog since this injury? Have you been able to
wash your car? Have you been able to do yard work?
Have you worked anywhere? And and they'll get somebody to
commit to no, no, no, no no, and then oh,
by the way, here's the picture of you, you know,
skydiving or whatever. It's a little exaggeration, but they will.

(46:56):
They will try to play gotcha sometimes.

Speaker 1 (47:00):
Your experience when this has happened and you've gone to trial,
yes or whatever, mediation, whatever form of communication. Typically, what's
what's the when they've got something? I mean, how often
how many times have you got oh, well, okay, we're busted.

Speaker 4 (47:16):
Okay, Well that's it. I try to be pretty I
personally try to be pretty careful with the people I
work with and choose to work with, like there's only
one of me, and I want to try to maximize
who I can help, and I actually want to help
real people with real situations. Right, So, I very rarely

(47:37):
have gotten a situation where I've had a client clearly
you know, kind of i'll call it gaming the system.
But I have certainly been involved in situations where they
do kind of play this kind of gotcha and they
do you know, oh, here's somebody carrying the groceries in
or you know, I remember, I remember when workers comp

(47:59):
case I had, you know, got fifteen years ago, and
the injured gentleman set on a bucket like when of
these five gallon plastic buckets sure had it was sitting
on it and trying to basically scrub off something like
some tar or something on the side of his truck.

(48:20):
And it's just you know, and that's that's the video
and that's the stuff they had. And again my experience,
when those situations like that had gone to the hearings,
I think the commissioner of the decision maker was able
to kind of see through it, you know.

Speaker 1 (48:35):
So you mentioned does this happen more often in workman's
comp cases than then?

Speaker 4 (48:40):
It's a lot in workers cases, you know, simply, I
just think it's the nature of workers compensation and kind
of the benefits. But I have seen it before in
situations where people are claiming kind of catastrophic loss after
you know, after a car accident for example.

Speaker 1 (49:02):
We'll go back to something you just said again, you
try to pre screen cases. We've talked about this before
when we talk during the week about you know, your
your firm, we always mentioned that you guys, you're in
the business of working with people who really have got injuries. Correct,
and you've mentioned her on the program before that you're

(49:23):
happy to talk to anybody. Doesn't mean you're going to
accept the case, that's right. What is what is there
a kind of a dividing line? Is it? Is it
the potential for monetary damages? Because I know what you've
said before. You know, hey, listen, if you only could
get maybe a couple thousand bucks out, why give up
part of that to an attorney? Yes?

Speaker 4 (49:40):
Right, yes, I mean so in my office, what what
I'm looking for is I'm looking for situations where we
can get our client more money after they pay legal expenses.

Speaker 1 (49:52):
And all of that.

Speaker 4 (49:53):
We want them to have more money in their pocket
than if they were to try to handle it certainly
on their own.

Speaker 1 (49:59):
And and you know, and.

Speaker 4 (50:00):
Of course we're also looking for situations where the the
increase or the you know, the result is going to
be worth the effort. You know, there are a lot
of cases where you could take a maybe a thousand
dollars case and turn into a three thousand dollars case.
You know, I'll say, that's a that's an area where
you know, I think the phrases is the juice ain't

(50:21):
worth to squeeze.

Speaker 1 (50:23):
But that's a new one on me, but I like it.

Speaker 4 (50:25):
Yeah, But you know, if you take like for example,
and again every situation is different and sure and all
the standard disclaimers, but you know, we recently took a
case where we had a client had had to sell
and offer fifty thousand dollars before they hired us. We
get involved, do our things, so to speak, and it

(50:45):
turned into a two hundred thousand our case. Right in
that scenarrea where you're able to make a significant contribution.

Speaker 1 (50:51):
And help.

Speaker 4 (50:51):
So that's I'll say, I think anybody can reach out.
We're happy to talk to them. There's no charge, and
if we think we can help, We're happy to expel
exactly how, and you know, look forward those opportunities.

Speaker 1 (51:05):
If you have been in this situation and you're already
you know, working with the other party or your employer's
insurance company, whichever it may be, is it too late
to speak to an attorney at that point.

Speaker 4 (51:18):
No, it's it's until you've settled and kind of signed
on the dotted line. It's never too late. And oftentimes
that's how it happens. You know, people you know not
and I will tell you typically the people the most
significant you know cases and the people you know, looking back,
that we've been able to help the most, you know,
they're not the type who have sought a lawyer, you know,

(51:41):
uh in the emergency room, you know, waiting room, you know,
or they they haven't called from the ambulance.

Speaker 1 (51:46):
You know.

Speaker 4 (51:47):
These are people that had their injury, had their situation,
have started their treatments, have realized it is significant, have appreciated,
you know, the effect that's had on them and their family.

Speaker 1 (51:59):
You know.

Speaker 4 (52:00):
The kind of people who hiring a lawyer are seeking
legal action is not the you know, not even the
first second or tenth thing they would have thought about right, right.
I mean those end up being typically our best clients
and we get the most significant results. So yeah, So
often people talk to the adjuster, they kind of they

(52:21):
kind of start feeling like maybe this isn't right. They
kind of feel like there's something off. And so at
really any point up until you've you've taken the money,
you're signed on the line, it is a time to
talk to a lawyer.

Speaker 1 (52:36):
And we talk about how this can be a long
drawn out process for somebody who is going through it
right now, Jim, and they have not talked to an attorney.
How can folks reach Jim? So they need to just
give my office a call. The numbers eight zero three
three five nine three three zero one. That's eight zero
three three five nine three three zero one. And you're

(52:57):
welcome to tell tell my staff you heard me out
the radio. Here you go.

Speaker 4 (53:00):
Yeah, please and our visitess online at Snellinjurylaw dot com.
That's Snell Injurylaw dot com. Hi, but good to see
it man, Thank you.

Speaker 1 (53:10):
The lawyers and staff at the law office of James
Snell are there to help those with injuries and workers'
compensation claims, car accidents on the job and other accidents
resulting in injuries. They want to help everyone resolve their
claim as quickly as possible, but they'll never recommend you
accept a settlement that's unfairly low. The Law Office of
James Snell recognized by AVA with a ten and an

(53:31):
eight plus rating with a Better Business Bureau. There's no
cost to speak to them. Insurance companies make their money
by denying and minimizing otherwise valid claims. The Law Office
of James Snell can help. They're not looking to try
to take every small mishap, but focus on real injuries
that deserve to be taken seriously. The Law Office of
James Snell. I'm Jim Snell. Contact me at Snell Law

(53:53):
dot com. That's three l's spell law dot com. The
Law Office of James Snell since two thousand and four
with the office is in Lexington and Columbia.