Health and Wellness Show 03-29-25

Episode Transcript

Speaker 1 (00:08):
Good morning. Now time for the Health and Wellness Show
on one of three point five FM and five sixty AMWVOC.
And we got a busy air full of terrific information
for you. Matt lyons over it to carry book clubs.

(00:29):
Late Murry's going to come in. They've got another new
location to talk about and an incredible initiation special that
is happening for about the next week or so. It'll
give us all the details. John Farley and Matthew Terry,
they're all about you, preserving what you work so hard
to sacrifice all these years. They're with preservation specialists. They'll
be joining us as well this morning. But do we

(00:50):
start off with a guy we haven't seen a little while,
but he is back. Larry Harris Classic Systems. Good morning,
my friend.

Speaker 2 (00:56):
Good morning, Gary's aid. Bless him to be here.

Speaker 1 (00:58):
It's good to see you again. You had a shoulder operation.

Speaker 2 (01:02):
Yeah, I had to show no sorry.

Speaker 1 (01:03):
Is that the hippo violation? Those things are tough, man.
I've known people have those those That's a tough thing
you have, isn't it?

Speaker 2 (01:10):
For me? It was a breeze, Thank the Lord. No
paint it all.

Speaker 1 (01:16):
Well? Okay? And I had my mic turned off there
for a second. Sorry, I'm back now. Good for you.
I'm happy to hear that. Man. Well, but you did
have a little time away for the rehabit all that.
But you're back just in the nick of time here,
because here we are, Larry, and I don't think we're
yet to the height of pollen season.

Speaker 2 (01:34):
No, not at all. It's heavy out there.

Speaker 1 (01:36):
I don't know. I saw this article a week or
two back. Apparently over the last number of years with
temperatures warming that based, I think this was a going
back to the seventies or eighties. Pollen season now is
like a whole month longer than it used to be.
It is, indeed, and a lot of folks are feeling
it right now.

Speaker 2 (01:57):
Well, I had a client that call me and left
me in message and said the whole house air pure
fire is magic for him and got rid of all
the pollen. So those are nice testimonials.

Speaker 1 (02:07):
Yes they are. And you know, I got some people
like in the Upstate, for example. I mean, they've got
a double whammy going on right now with right between
the pollen and now the smoke from these wildfires up
in Pickens County, and that's that's that's a recipe for
disaster for folks who have respiratory issues. Absolutely, So you

(02:29):
have an answer, Well.

Speaker 2 (02:30):
We've got We've got several air pure fires. The smallest
we have is pure Air fifty that is only fifty
dollars and it'll do three hundred and twenty five square feet.
We've had a lot that's the one you plug into
the wall. Yeah, you just plug it in the wall.
You've seen that one. Yeah, and I think your wife
got one for the litter box.

Speaker 1 (02:47):
Yes, so it works crazy, how well looks.

Speaker 2 (02:51):
We've had a lot of clients by one for every
room in their house. We had a client that had
eight rooms and bought eight of them and it works
extremely well. We also have one that's called a pure
Air fifteen hundred. It'll do fifteen hundred square feet. It's
only eight inches square and it weighs about two pounds,
so it's a neat little air pure fire. The difference

(03:11):
in a filter in an air pure fire, a filter
has to draw the air to it and capture it
in that filter, and a filter will only draw the
air this send three feet circumference of that filter. Ours
is a purefire. It duplicates lightning it duplicates sunlight. It's
got an ultraviolet light in it that creates a plasma

(03:33):
of hydrogen peroxide that sterilizes things and clean surfaces. It
kills bacterium microbilds and so then the ozone oxidizes eighty
percent of the dust out of the environment and the
whole house. Air pure fire will do up to three
thousand square feet and it's a powerful unit. That's what
the client gave me a testimonial on.

Speaker 1 (03:57):
So it's it's not this simple, but we'll start here.

Speaker 2 (04:03):
A filter pulls, that's right, it's got to draw the
air to it. Your system treat it, and it doesn't
treat it, It captured it, and so that's why you
have to replace those filters. But an air pure fire
actually goes out to where the particles are or the
odors are and changes it to either water, vapor or

(04:25):
carbon dioxide.

Speaker 1 (04:26):
How does it do that? How does it go out
to these areas?

Speaker 2 (04:28):
How does it Well, it's a signal very similar to
a radio signal that goes through walls. The radio signal
won't go through steel or iron, but it goes through
any brick or mortar joints, and just like similar technology,
but it actually goes sixty feet in any direction up
down from the air pure fire. We had a clout

(04:50):
in Florida that bought one on the fourth floor. His
cousin on the first floor said the particles were going
out of there on the first floor.

Speaker 1 (04:57):
So collateral damage, yeah, the reverse of it. I'm curious, though,
I don't want to spend too much time talking about filters.
But wow, So you say an air filtering system can't
pull air that's more than about three feet.

Speaker 2 (05:16):
That's correct. It doesn't have the power. If you stop
and think about it. If you put a filter in
the center of this this studio and put a candle
in the corner of the room, it never make that
flame flicker because it doesn't have the power to draw
the air to it.

Speaker 1 (05:31):
Does that make it Larry? What good are they? Well,
you're a three three foot you know.

Speaker 2 (05:37):
You go into any of these big box stores, and
there's a lot of nationally known companies that call their
filters an air purer of fire. That's misleading the public.
But it is not an air pure fire because if
it has a filter, you got to draw the air
to that filter to capture the particles and that's not

(05:58):
an air pure fire by any of the imagination.

Speaker 1 (06:01):
Well, how do they get away with saying it is?

Speaker 2 (06:03):
Well, I don't know the federal government has done anything
about it.

Speaker 1 (06:07):
Well, maybe more importantly is how can we as a
consumer walking into a big box store looking for an
air purifier? Well number one just called this guy. But
if you were, how do you know that what you're
getting is what it may say air purifier audit, but
it's not really, it's an air filter.

Speaker 2 (06:25):
Now, that's where it's beneficial for every consumer to be
aware of the difference of a filter and an airpier fire. Now,
they are two major companies that sell the technology that
we have, and I happen to be one of the
original companies. Bill Converse invented these machines in nineteen eighty

(06:45):
five in Minneapolis, Minnesota. He was hired by a major
national company because they bought a patent for an airpier fire.
Bill discovered that it would get rid of particles out
of the air, but it wouldn't clean the air. So
Bill decided, since the major corporation decided to scrap it,
he said, well, I can add ozone to it and
he will clean the air. And that's what he did,

(07:07):
and Alpine Industries became a half a billion dollar a
year company in nineteen ninety eight, and they were the
second highest company in sales according to Ink five hundred magazine.
So that's where it all started.

Speaker 1 (07:23):
So you've mentioned two things there. Get the particles out
of the air, clean the air. So explain what's the
difference is between.

Speaker 2 (07:33):
That, well the particles. If you've ever seen a shaft
of sunlight coming in the window early in the afternoon
or early in the morning or late in afternoon, you
see the particles floating in the air. According to doctor
Larry Arlin from Wright State University that did a Discovery
TV program said, eighty percent of what you see floating
in that shaft of sunlight is dead skin. The human

(07:56):
body actually sheds four hundred thousand dead skins sells every minute.
And so we can't grab that dust and take it anywhere.
So if we can do like lightning and put six
thousand negative ions per cubic centimeters to four thousand positive,
we make all the particles clump together, get heavy, and
settle out of the air, then the ozone will oxidize

(08:18):
eighty percent of the dust off the floor or tables
or wherever. And so that's like airborne mole. And this
is something that I'm really wanting to help people more
is because mold can become airborne in your home. I
had a client that had a roof leak and the

(08:39):
landlord didn't want to dry it out. And if you
don't dry leaks out, the water will sit there and
it'll start growing with dust and create airborne mole. And
so the secret to that is if you don't test,
you don't know. And I can do air testing and
it takes ten minutes per sample. We have to do

(09:00):
one inside one outside, so we compare the inside air
to outside. If the air inside is worse than outside air,
then you know you've got an airborne mold problem. And
if we do that in the morning, I can get
the lab report back the same day.

Speaker 1 (09:18):
So that's step one. Just like if you if you
got issues with your lawn, get a soil test right
all right for you how to treat it. So based
on the information you get back that same day, you
look at that and that tells you, I'm sure a
bunch of stuff. I wouldn't know what it meant, but
you do. Depending on what it says. Do you have

(09:43):
to approach the issue different ways?

Speaker 2 (09:45):
Absolutely are protocols that we use. Having been in this
since two thousand and four, I've got a little bit
of experience. But there's a lot of molds that are
type one and type three allergens Claudysporium, aspergillious, pen Cilium,
my sill of smut, myspodiums. All of these are type

(10:05):
one and type three allergy to regring irritance, and so
they can cause problems like rashes, sin you sidas, it
can call it. Some people can actually get pneumonia from
these types of molds because they can affect you. And
another interesting thing, Gary is a great trivia question is

(10:26):
what is cat dander? And I love to do this
on live radio and get people call in and do
you know what cat dander is? You may have heard
me say.

Speaker 1 (10:35):
I know because I've heard you talk about it.

Speaker 2 (10:36):
Yeah, or a lot of people don't. They think it's
dead skin, but it's not. It's dried cat's salava and
it dries on the hair and flakes off and becomes airborne.
And that is a serious allergy for people that are
allergic to that protein. This in that salava. A lot
of people are Yeah, it's very commid. A lot of

(10:56):
people very common. All right, So I get it.

Speaker 1 (10:59):
So going back to the guy that originally been into
this system, they are hoping that would get the junk
out of the air, but it wouldn't clean it. So
you get it out of the air, it falls down,
but it stays there. And now now the system is
going to boxidize. It really does.

Speaker 2 (11:17):
See, people don't realize why the sky is blue. I
may have asked you that question, may not. But the
reason the sky is blue is not a reflection of
the ocean. The sky is blue because that is the
color of ozone. The sunlight abn C rays photoelectrically coming
into the stratosphere splits a single atom, making two individual

(11:38):
atoms that join with O two becoming three, and that's ozone.
An ozone desperately wants to separate that third atom atom
and it can only do that by attaching to odors
or particles, and when it attaches to these particles, it
converts back to two. So the byproduct of ozone is

(11:59):
pure oxygen.

Speaker 1 (12:00):
So it's indidvertently doing the job you wanted to do.
A Yeah, fascinating uh, and certainly right now some of
the particles. We're seeing a lot of that.

Speaker 2 (12:09):
Oh yeah, this polling it it's yellow. You can see it.
You can't miss that. I get real amused at some
meteorologists they talk about a ground level ozone alert. There's
no such thing as that, because they're talking about decomposition
of matter, and decomposition of matter, regardless of what it is,
cannot create an electrical charge, and the only way ozone

(12:33):
is made is by an electrical charge. The lightning creates ozone.
The sunlight creates ozone. The waterfalls in the mountain coming
over the rocks create static electricity that makes ozone. The
waves at the beach, pounding on the surf creates static
electricity that makes ozone. That's why ocean air is so medicinal.

(12:53):
It's healthy.

Speaker 1 (12:55):
Well, I was that was just thinking while you were
saying that. Yes, so by and large, you could make
the argument that the air quality anywhere along coastline is
going to be superior to the renland.

Speaker 2 (13:07):
Yeah, in the mountains, square you've got a waterfall. Because
you get close to a waterfall, you smell clean in
fresh area.

Speaker 1 (13:12):
Just being in the mountains, though, there's a difference in
the air just thinner, yeah, okay, but still there. But
there is a there's a noticeable difference in the air
when you're in there.

Speaker 2 (13:20):
When there's not forest fires exactly. Yeah, and so these
airpaier of fires will get rid of that smoke very rapidly.

Speaker 1 (13:27):
Have you smelled that smoke a run high common Head?
I think it was Thursday night that we we noticed
a over in Lexington and maybe it was some fire
somewhere near somewhere unaware of but we were smelling some
of that, which is unusual.

Speaker 2 (13:40):
Well, thank god we've got some rain come in Sunday
and money.

Speaker 1 (13:44):
Yeah, yeah, hopefully it'll put crossed. Yeah right, it's crossed.
So again, you have a as you mentioned at the
onset here, a number of different sizes for different applications.
It starts with the testing and there's no point going
in and just saying let's do this.

Speaker 2 (14:01):
If you haven't tested, you really need to test the air.
And if it takes you know, to do one sample,
it takes ten minutes. We pump in fifteen liters of
air for ten minutes. We do the same thing outside
and in some cases we might need to do two
or three rooms. We actually had a health care facility
now nearing the beach and they wanted to air test
all of their twenty five offices. That way, we have

(14:24):
all air samples for twenty five individual offices. Do one
outside air and it combines it and shows the results
on the lab report. So it's very easy to do.
It doesn't take you know, but about if only we
only do two air tess twenty minutes, all.

Speaker 1 (14:43):
Right, so starts with that, the test then based on
that the result and the fix. This guy does it
all right here Larry Harris, Classic Systems. Larry, it's good
to see you again, my friend. It's a joy to
be here. And how do folks get a hold of
you to get you out there?

Speaker 2 (14:56):
To their plus cell number, it's eight oh three six
two six seven four eight eight oh three six two
six two seven four eight try fresh airanoil dot com.

Speaker 1 (15:08):
There you go, all right, Good to see Larry.

Speaker 2 (15:10):
Good to see you, Gay.

Speaker 1 (15:11):
This is the Health and Walla Show on one O
three point five FMN five sixty AM WVOC.

Speaker 3 (15:18):
Hi, this is John Farling. Now let me ask you,
is your retirement inflation proofed?

Speaker 1 (15:24):
Here's what I mean.

Speaker 3 (15:25):
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 just about everything continues to
go up?

Speaker 1 (15:35):
You inflation proof it.

Speaker 3 (15:37):
Our team at Preservation Specialists can show you strategies to
help combat inflation so it doesn't outpace your retirement income.

Speaker 1 (15:44):
Call us today at.

Speaker 3 (15:45):
Eight oh 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 minor annoyance.

Speaker 1 (15:59):
The team at AIGHTO three to nine.

Speaker 3 (16:01):
Retire now to start inflation proofing your retirement today at
three nine retire. That's eight three nine Retire. Securities offer
through Okado's Capital member Finner and SFPC Advisory Services off
through okados Will Preservation Specialists and Arcadios are not affiliated
through any ownership.

Speaker 4 (16:17):
The hunt for quality insurance is more important than ever,
and with Jeff Howell and the team at Health Markets
in Lexington, finding that perfect plan is easier than ever.
Whether health or medicare insurance, let the experts guide you
toward ease of mind at a healthier future. And who
couldn't use that nowadays, Jeff Howell in Health Markets do
all the grunt work for you. They make the calls,

(16:37):
compare the plans and prices, and find you the insurance
plan that fits your needs. Best of all, their help
is at no cost to you. They work with nationally
recognized insurance companies to give you the affordable insurance you're
looking for.

Speaker 1 (16:51):
So whether you're self employed or in a small.

Speaker 4 (16:54):
Business, an individual or seeking a family plan, they have
you covered literally from head to toe well Jeff Howell
in Health Markets at eight O three six seven eight
eight one two one, or visit Jeffhowel dot com. That's
eight oh three six seven eight eight one two one
or Jeff h O w l E dot com and

(17:14):
let them find the right insurance for you.

Speaker 1 (17:30):
And we welcome you back to the Health of Wellness
Show on one O three point five FM and five
sixty am WVOC and always you can catch it as
no matter where you are, because we're getting of that
time of the year now you're going to start hitting
the road. You can keep up with us on the
absolutely free iHeartRadio app. And a reminder if you missed
any of the shows and why would you miss one.

(17:52):
But if you do, if it just happens, you can
always catch the rewind and the playback on the iHeartRadio
app as well. Okay, all right, Matt Lyons in the
house from Carefree Boat Clubs out of Lake Murray. Why
are you down on a lake this morning?

Speaker 5 (18:06):
Well, I'm getting out there shortly. I'll tell you that
right now. We the last couple of weekends we've been
going out hitting different spots to eat on the lake.
We took our new we call it the Breezy Barracuda.
It's a yeah, you're not allowed to drive it. It's
a wait a minute's ever growing list of boats I'm not.

Speaker 1 (18:24):
Allowed to drive?

Speaker 5 (18:25):
Yes, yes, in fact we have.

Speaker 1 (18:26):
Have I wrecked one of your boats?

Speaker 5 (18:27):
You have not? You have not that history? Yeah, being
averative term. No, it's a it's a twenty three foot
Stingray Bao Rider, three hundred horsepower. Yamaha. Yeah, it's a
little too fast for you. We actually it. That boat'll
do over seventy miles an hour. We had to put
a smaller prop on it so it would go slower
because I didn't want to go over fifty five on

(18:48):
the lake. Just I didn't feel comfortable myself.

Speaker 1 (18:52):
Well, for the record, I don't either. I like to
get in a pontoon and just go about fifteen to
twenty miles an hour and enjoy.

Speaker 5 (19:00):
Most of our boats, and not a good portion of
our boats, are trytoons, because that's what yeah, yeah, and
there's a difference there is there's trytoons fit a few
more people. They can hold a little bit more weight
in them, they ride way smoother than a pontoon, and
they're just they're the most prevalent boat on Lake Murray.
They really and for a good reason. I mean they're
they're comfy to be in there. They can be fairly fast.

(19:24):
I mean, you put a two hundred we have, you
put it two fifty on it, It'll go thirty five
forty miles an hour, which is plenty for this lake.

Speaker 1 (19:32):
And I thought, because I was somebody who had always
want I own bos, I owned all riders, yep, And
I thought, yeah, tryton, that's a it's bigger. You know,
my specialty is not exactly docking.

Speaker 5 (19:47):
Okay, then stay in the trytoons. So they are so
easy to do, they really are that they are.

Speaker 1 (19:53):
Thanks to you guys, I've gotten so much experience now
out there with the carefree boat clubs, and I've got
a lot better. I'm not an expert at it yet,
but I'm.

Speaker 5 (20:00):
I like to tell people driving a boat is a
lot like golfing. No one gets a set of golf
clubs and they're good that day. You gotta get. You're
as good as the time you're going to put in.
Boating is the same way. You're as good of a
boat driver and you're gonna get by the time you
put in. So I when I moved down here, you know,
a number of years back, I wasn't real good. I
was the world's worst boat owner. I wrecked the boat

(20:22):
the first day. Let's put it that way. And now
I can drive any boat we have and dock at
one myself, only because I'm in boats a lot more.

Speaker 1 (20:31):
Well, you're right, it's just that's what it takes. I
used to fly airplanes years ago. There, you flying an
airplane is the easy part. It is the most important part.
And so yeah, we would pride it over and over
and over and over again. The touch and goes everything.
You just gotta practice that. And what a great way
to do it, because with the membership of Carefree Boat Club.

(20:56):
I mean, correct me if I'm wrong here, Matt. But
if I had the time and the inclination, and I
got the inclination, but another time, I could basically take
one of your boats out seven days.

Speaker 5 (21:07):
A week, Absolutely you could take You could take any
of our boats out seven days a week, three hundred
and sixty five days a year. I think we close
on Christmas, but if you want to take a boat out,
we'll leave you the keys. You can take it out
yourself on Christmas morning. We're not gonna I built this
business with the thought concept of let's figure out how
to make it as much like it's your own boat

(21:29):
as you can, with all the benefits of that. Right now,
we've got twenty eight boats on the lake. You can
choose for any of them. We've got four wave runners,
you can choose for any of them, you know, and
we really want people to feel like it's their boat.

Speaker 1 (21:42):
All the benefits, but none of the negatives.

Speaker 5 (21:45):
Zero of the negatives. You never clean a boat, you
never trailer a boat, you never have to repair a boat,
you never have to maintain a boat. You don't have
to do anything but boat.

Speaker 1 (21:56):
You don't pay taxes on a boat.

Speaker 5 (21:58):
You don't pay taxes on a boat or none of that.
You don't have to pay for a slip fee, you
don't have to do any of that. It really is,
especially if you've got some time constraints in your life
but still want to enjoy time with your friends and
family on the water. There's no better way than being
a member of a boat club. You show up and boat.
It's that simple, now, Matt.

Speaker 1 (22:18):
You explained this to us a couple of weeks ago
when you were here, but it bears repeating because you think,
all right, a boat club, so I'm paying to rent,
but I'm not owning. I mean, is that a good deal?
But you guys have crunched the numbers on this.

Speaker 5 (22:31):
Absolutely, a normal boat clubs will cost you one third
the price of owning a boat. So right there, thirty
three percent of your cost to own a boat is
what it should be to be in any boat club
during specials when things are going. It's actually less than that,
but that's the savings right there. So, in addition to
saving yourself one hundred hours of work, which is the

(22:54):
average amount of work you'll put into a boat you own,
trailering it, cleaning it, maintaining it, bringing it to them
all the bs you have to do. When you own
a boat, you're going to save one hundred dollars of
your year and you're going to pay one third the
cost of owning that boat.

Speaker 1 (23:11):
And you mentioned even less than that when you got specials,
and you got specials, right, and we do.

Speaker 5 (23:16):
We do. We have our preseason special going till April seventh,
so we're down to about the last week or so
of that special. And what that is is a one
time So every good boat club should have two fees.
They should have a one time initiation fee and they
should have a monthly fee. That's how you run the business.
Our normal initiation fee is five thousand dollars. Right now,

(23:40):
it's two thousand bucks. It's not a water down program.
We're not taking benefits away. You're getting all the boats,
all the days, all the benefits, all the perks, all
the access. You're just saving yourself three thousand bucks.

Speaker 1 (23:55):
And that's a one time initiation.

Speaker 5 (23:56):
Absolutely, there's no annual fee. There's no reup fee, there's
no extra fee, there's no nothing. It's one time. We
actually when we charge usually people putting on their credit card.
I've got to put a memo in the billing section
and it says one time fee. We never charge that. Again,
there are boat clubs out there who will charge you
an annual fee, which is typically a percentage of your

(24:19):
initiation fee, and just so the world knows, that is
one hundred percent of profit maker, not anything to make
the club any better at all. So we don't charge that.
Because I built this business the way I wanted a
club to be run. I don't want hidden fees, I
don't want extra fees. I don't want anyone to at
any point say this doesn't make sense, and an annual

(24:41):
fee doesn't make sense.

Speaker 1 (24:43):
I think one of the interesting things, Matt is again
because of the way you come your approach towards this business.
Because you were a member of a boat club, absolutely
so you saw all the good things and some of
the bad things. Yep. If you're going to have a
leader out there, take somebody who's been on the front lines.

Speaker 5 (25:04):
Yeah, right, well, and I'll tell you what Monder.

Speaker 1 (25:05):
Stands how it works.

Speaker 5 (25:07):
Two of my full time staff are members of the
boat club who were members coming out and enjoying it,
and came to me one day and said, you know, Matt,
I'm not real happy at the work I'm doing in
my current job. Is there any chance you'd hire me here?
Because I love it and I want to join because
I was never going to own a boat again, and
they would not tell me their member to boat ratio.

(25:27):
Because I never got that answer. My solution was buy
a boat, which I swore to never do again, and
own my own boat, or I had to start a business. Literally,
this business was built on me saying there wasn't a
suitable option for what I wanted on this lake.

Speaker 1 (25:45):
So let's talk about that. The member the boat ratio
and how important that. I think it's pretty obvious. Yep.

Speaker 5 (25:51):
It answers the question will you have a boat for
me Saturdays in July. The answer to that question isn't
a yes or no. The answer is it depends on
my member to boat ratio. As of yesterday, the member
to boat ratio for Carefree Boat Club on Lake Murray
was three point three four members per boat.

Speaker 1 (26:10):
Wow, that's really low, and I think that care Free
boat Clubs as an organization, in a nationwide organization, they
say you can't be over what ten to one?

Speaker 5 (26:20):
Ten to one, it's what they limit that I'm a
third of that right now. Yes, yes, which which again
gives my members more access and gives me more access.
I'm a member myself. I go out all the time.
If I pushed my member to boat ratio too high.

Speaker 1 (26:35):
I wouldn't get a boat.

Speaker 5 (26:37):
That's not okay. I started a business so I can
get a boat that I don't have to maintain, clean
or anything else. So yeah, that's that's anyone that considers it.
And I get a little bit passionate when I talk
about it, because it's really a no brainer. If it's
a well run boat club, it is substantially less money
and way better than owning a boat. Period.

Speaker 1 (27:00):
Well. Again, I come to this as a former boat owner,
and getting out on the lake I love doing. But
it was the before and after that I really I dreaded. Yeah,
I'd get up on a Saturday morning when we were
going out on the lake and I was like, well,
I'll be great when I'm out there, man, But between
now and then and then after we pull it back

(27:21):
out and get back home, I mean, that's it's a hassle.

Speaker 6 (27:24):
Man.

Speaker 5 (27:24):
I don't want to sound sexist when I say this,
but I'm a dad and when I think most families
that have a boat, the dad's the one who's got
a trailer, right, who's got to put it in the water,
who usually drives it, all that kind of stuff. And
as a dad, I hated when my family would say
to me, let's go out on the boat, because in

(27:45):
the back of my mind, I'm like, Oh, this is
going to be two hours before we go out, an
hour after we go out, I'm going to have to
do all the work because I didn't make my kids
do any work, because.

Speaker 1 (27:54):
You know, well, to set the record straight, my wife
was the one who always had to back it down
the ramp. I can't even back a car street. Okay,
that's awesome.

Speaker 5 (28:06):
I have met your wife more than once, and I
probably believe that she is the one driving the trailer
for sure.

Speaker 1 (28:13):
All right, now, you had a big year last year,
had a lot of expansion we did and this year.
So what's new in twenty twenty five Because this is
gonna sound weird, but you're up to three locations now, Well,
you were in three locations last year, but something's changed there.

Speaker 5 (28:32):
Something has changed. Basically, what happened was we started at
south Shore Arena and then south Shore arena sold. The
new owners that are a big out of state corporation,
decided to They wanted that space for parking for the restaurant,
which is a great restaurant, for parking for the dealership
they put in there, which is a great dealership, and
I think they're going to do daily renolds out of

(28:53):
there as well. So they did not want to renew
our lease, so we were going to go from three
locations down to two. The other two locations are the
former Spinners Lake Murray Resort, which we happen to own
that location, so we're never going anywhere from there. Up
on the north side the former Afraid Not now Fat
Frog's Marina. We own that location as well, so we're
not leaving there either. But I still wanted that location

(29:16):
a bit closer to Lexington on three seventy eight, and
I was fortunate to be able to work out to
rent some dock space from Lakeside Lakeside Seafood and Steak House,
which is the former Fisherman's Wharf. They have changed the
Fisherman they did. They changed the name of that yep.

Speaker 1 (29:34):
Yep, they hope they haven't changed.

Speaker 5 (29:36):
The decor is very similar for sure, yep, I don't.

Speaker 1 (29:41):
Think step in time.

Speaker 5 (29:44):
Yeah, and it's still it's still like that good, great staff,
really wonderful owner. Her name's her name's uh oh what.

Speaker 1 (29:54):
Yourself on the spot? I did?

Speaker 5 (29:55):
I did, And she's like one of my best friends, Terry, Terry.
Thank you Terry. She's wonderful and it's a great place
and we're super excited to be able to be located
there because it's about one hundred yards from where maybe
two hundred yards from where we were located before, so
for the members it'll be exactly the same. So we'll
be operating out of there by May first, which is
also the date that our wave runners will be in

(30:16):
the water, our wakesurf boat will be in the water.
That's when I'm officially saying you can be swimming in
Lake Murray May first. Technically you could swim in there
right now, but temperature is a little bit cold. By
May first, it's it's a little bit better.

Speaker 1 (30:30):
I'm not typically a May swimmer.

Speaker 5 (30:32):
I'm not either, but we had we had someone in
late March go.

Speaker 1 (30:36):
Tubing were from Canada.

Speaker 5 (30:38):
They were not from Canada, but they were a younger
preteen boy who could handle it okay, and you could
see the parage shake in their head. But they let
him go and he had a blast. So it's all good,
uh new.

Speaker 1 (30:53):
But you're always expanding the fleet, I know. Yeah.

Speaker 5 (30:55):
We just added this year twin engine twenty four foot
center console. We call that one hulk splash.

Speaker 1 (31:01):
And if you never, if you don't, if you're not familiar,
MAT's got a name for all this boat.

Speaker 5 (31:04):
Name for all the boats, yep. And then we also
just added two brand new Falcon bass boats with all
the fishing apparatuses you need on them. One is called
the Green Falcon and the other one we haven't named yet.
That's how new it is. In fact, I just picked
it up Thursday from Charlotte where we got it.

Speaker 1 (31:22):
At Are you doing a member pole?

Speaker 5 (31:26):
We probably, We probably will. We'll have to put a
photo of it out there, put a member pole out there.
We did also add a dual console sailfish twenty four
foot sailfish to the fleet as well. And then we've
added up the the sting Ray two thirty OSX, the
fast one Breezy Barracuda that's that's actually made. We may

(31:46):
change the name to not Gary's.

Speaker 1 (31:48):
Okay, should lead you were you were going to do
that exactly.

Speaker 5 (31:52):
Exactly and then probably forgetting a few. We still have
three more that are coming in as well.

Speaker 1 (31:58):
Wow.

Speaker 5 (31:58):
So yeah, we're we're growing, expanding, keeping our member to
boat ratio low.

Speaker 1 (32:04):
Know.

Speaker 5 (32:04):
Our plan as always to turn our fleet every two seasons.
So we're just so we're turning the fleet and growing,
which is leading to a lot of new boat purchases
and so forth.

Speaker 1 (32:15):
Yeah, I don't think anybody in this state buys more
boats than you do.

Speaker 5 (32:17):
I'm sure someone does. I can't be the only one
making bad choices.

Speaker 1 (32:22):
And of course we didn't mention, but just to briefly
in summary before we wrap up here, Like you know,
carefvery boat clubs out of Lake Murray, it's it is
more than just the boats.

Speaker 5 (32:32):
Absolutely, yep. You get a free beach club membership at
Lake Murray Resort, which this year is going to have
the Thirsty Gator operating out of there, right next to
the Bucks pizza folks, and we're going to have bands,
music every Friday, Saturday, Sunday, plus swimming in the water,
floats in the water, all that fun stuff. We also
do I call them monthly member mingles because that sounds great.

(32:53):
It's usually not quite every month just because people get
busy and we get tied up in things, but it's regularly.
We do member mingles where we could get together as
a group. Usually we're grilling something like that for fun,
and we try to create different events. We did a
Super Bowl party as well, so different things. Especially if

(33:13):
you're new to the area, when to meet people, a
boat club is a good way to do that.

Speaker 1 (33:17):
Absolutely, okay, And for I'll let you go again. April
seventh is the deadline for this reduced initiation fee, and
I'll just vastly reduce I'll be very very transparent.

Speaker 5 (33:30):
April eighth our initiation. If he goes up to three
thousand dollars June, I'm sorry. Then April eighth, it goes
to three thousand. May first, it goes to four thousand.
June first, it goes the five thousand. Okay, so you can.

Speaker 1 (33:44):
You can grab it between now and April seventh.

Speaker 5 (33:46):
And save yourself a fortune, because even at the normal
list price of five thousand dollars and three ninety five
a month, that is still a third the cost of
owning a boat, and for any of the boats in
my fleet, the taxes for South Carolina are about twenty
five hundred bucks a year. Yeah, and my initiation fee
is one time only. In addition to that, you had insurance,

(34:07):
which you're probably talking, oh yeah, twelve fifteen hundred a
year for insurance is probably right. If you don't trailer
your boat, it's going to go on a slip. The
cheapest slip you're going to find on Lake Murray is
about three hundred dollars a month. Yeah, So for ninety
five dollars more a month, you get access to twenty
eight boats, insurance covered, tax is covered, and all the maintenance.

Speaker 1 (34:30):
Covered, plug and play and go.

Speaker 5 (34:32):
It really is, Yeah, it really is.

Speaker 1 (34:34):
Matt how to Folks reach you at care Free Boat
Clubs so.

Speaker 5 (34:36):
They can check us out on the web at carefreeboats
dot com. They can call us at eight three three
four boat four to four. They could email me at
Matt at Carefree Boats. That's m Att at Carefree Boats.
Find us anywhere, all right, brother, We'll.

Speaker 1 (34:50):
See you on the lake.

Speaker 5 (34:51):
Thank you, sir.

Speaker 4 (34:52):
The hunt for quality insurance is more important than ever,
and with Jeff Howell and the team at Health Markets
and Lexington, finding that perfect plan is easier than whether
health or medicare insurance. Let the experts guide you toward
ease of mind at a healthier future. And who couldn't
use that nowadays? Jeff Howell in Health Markets do all
the grunt work for you. They make the calls, compare

(35:12):
the plans and prices, and find you the insurance plan
that fits your needs. Best of all, their help is
at no cost to you. They work with nationally recognized
insurance companies to give you the affordable insurance you're looking for.

Speaker 1 (35:26):
So whether you're self employed or in a small.

Speaker 4 (35:28):
Business, an individual or seeking a family plan, they have
you covered literally from head to toe. Called Jeff Howell
in Health Markets at eight o three six seven eight
eight one two one, or visit Jeffhowell dot com that's
eight oh three six seven eight eight one two one
or Jeff Howle dot com and let them find the

(35:50):
right insurance for you.

Speaker 7 (35:52):
Good morning, This is Larry Harris with Classic Systems. I'm
a certified MOLDE inspector. We can help you test the
air in your home ten minutes per sample, one sample inside,
one sample outside. If we do it in the morning,
we'll have the lab report that afternoon, and then we
can discuss with you what protocols you need to take

(36:14):
to clean the air in your home, particularly if you
have coughing, sneezing rashes on your body. This could be
because of mole that's in the air. Let us come
do air testing for you. The fee is only seventy
five dollars per sample and we can get the lab
report back the same day, so you know if you

(36:35):
have any airborne issues in your home. This is Larry
Harris with Classic Systems eight three six two six two
seven four eight eight three six two six two seven
four eight.

Speaker 1 (36:56):
And we're back in our final segments on the Open
Whelmas Show on this Saturday Morning Joy Today, because well,
let's see, we got we got a weather guy in
here right now. John is supposed to rain tomorrow. That's
what we get her in rain coming tomorrow. It's gonna
help with the pollen, I'll tell you that. Yeah.

Speaker 3 (37:10):
You know, people have been looking at me with that
little fish eye working that like you you know, because
the pollen is pretty high.

Speaker 1 (37:16):
You know, we're not so the worst of it, though.

Speaker 3 (37:18):
Are we. Well, For for trees, we're as high as
it goes. Okay, good, yeah, grass, well not good.

Speaker 1 (37:25):
But good.

Speaker 3 (37:26):
Yeah, yeah, yeah, now and then and then you know it,
the grasses have yet to come Gary.

Speaker 1 (37:31):
Oh yeah right now in my backyard's bearing anyway, I'm
getting get sawtid so I don't have to worry about
the grass. Well everybody else's grass though. Yeah, yeah, yeah,
Well we're not here to talk about the weather. Is
John Farley and the Matthew Terry preservation specialists. Uh, this
is this is your this is there, I say, your
real job.

Speaker 3 (37:49):
Yeah yeah, the reality is I drive in two lanes.
People ask me that frequently because the people know me
more from from the TV weather.

Speaker 1 (37:55):
Right.

Speaker 3 (37:55):
But I've been doing both my undergrads and finance. My
masters is in meteorology, but I've been doing both for
better than twenty five years.

Speaker 1 (38:01):
Interesting though, Matthew, my undergrad was in a business finance.

Speaker 8 (38:06):
Yeah, and I'm about that.

Speaker 1 (38:07):
I've been broadcasting all my life, you know, so yeah,
how that goes. But but see now John's over, you know,
making real money with stuff, and I'm still doing broadcasting.
I'm still doing broadcasting to it, you know, so I
know all about that. Yeah. Oh it's uh, look at
the calendar, it's it's March twenty ninth hard to believe.

Speaker 8 (38:29):
So yeah, right, Thomas flown Man, wait.

Speaker 1 (38:33):
Till you get to be our age Matthew, then it'll
really fly. We're just a couple of weeks away from
that day. Yeah, we want to talk about taxes this morning.
Just a heads up, a warning, a disclaimer here. Okay,
I started talking about taxes on the radio. I keep
envisioning that thing you see on movies you know, or
the TV, you know, the following maybe you know for

(38:55):
some viewers, this may be disturbing.

Speaker 3 (38:57):
That's right, absolutely, yeah, okay, Well there is some good
news on this though, as you know that the tax
finaling date has been pushed back to May first, Yeah,
because of because of the hurricane they came through last September.
So yeah, so well know what yeah yeah yeah yeah
in South Carolina. Yeah yeah, we can do that.

Speaker 1 (39:21):
How did I not know that? I don't know. We'll
check the Googler, check the AI, see what happened. Let
me go, So May was even for the entire state?
Yeah yeah, yeah, because remember it.

Speaker 3 (39:33):
Remember on the date of that that hurricane, half of
the state, half of the population of the state was
without power, yeah, full.

Speaker 1 (39:40):
Half of the media. Now yeah, yeah, now most of.

Speaker 3 (39:42):
It was closer to you know, the northwest corner, but
nonetheless it had significant impact on our state. And so
you know, the decision was made. We let's push this
back fifteen days.

Speaker 1 (39:52):
Somebody told the IRS that Uncle Sam was aware of that. Yeah,
and Uncle Sam's aware. I'm not roable, right, you're good. Wow.

Speaker 8 (39:59):
Yeah, So that was announced the last October and again.

Speaker 1 (40:02):
I must have been sleeping, all right, but yeah, that.

Speaker 8 (40:05):
Was a big piece of news. But it's good to
remind everyone.

Speaker 1 (40:08):
Well, because I gotta tell you guys. You know, I
come in here five six days, five days a week
and do a three hour show and go through all
the prep sources everything else. I haven't seen anything about that.
This is weird. Yeah. Why is that not better publicized?
It's a good question.

Speaker 5 (40:27):
Yeah, yeah, yeah.

Speaker 1 (40:29):
I mean for me to be sitting here now on
March twenty ninth and just now realizing this thanks to
you guys, and we got it, well, we got a
little reprieve. Yeah, it's good.

Speaker 9 (40:39):
Yeah, okay, but it's still gonna come yeah yeah, yeah,
I mean it's yeah. My mom would have been because
we had holy we don't have to pay taxes this year.
That would have been great news.

Speaker 5 (40:49):
That's right.

Speaker 1 (40:50):
We got a little a little extra time, okay, all right,
so yeah, we gotta pay taxes. Any time left to
do anything.

Speaker 6 (40:58):
Be you know, as as always, whenever it comes to
your tax situation, you always have up into the tax
filing deadline meaning which is by first and which is
made first, or or the date that you actually file
your taxes to technically make any sort of changes to
your twenty twenty four tax situation. What you can do

(41:19):
at this point, I would say it's limited, right. The
only things that you really have in your weapon drawer
are to either contribute into something that is similar to
a health savings account you receive a tax deduction on that.
Or you could also put money into a traditional ira.

Speaker 1 (41:33):
But traditional but not a ROTH.

Speaker 8 (41:34):
Correct, a traditional ira, not a roth.

Speaker 6 (41:37):
And you have up until that tax file and deadline
to save yourself some money and tax is not paid
or not owed, I should say. But the reality is,
in the grand scheme of things, the vast majority of
the tax planning that you need to be doing, it
needs to be happening during the calendar year. Okay, so
we've already missed that boat for twenty twenty four so
looking ahead to twenty twenty five. I mean, this is

(41:58):
really what John and I specialize, And you know, we
do this stuff on a daily basis with the families
that we sit down and we help and we work with.
You know, we just want to ask them the simple question,
when's the last time you've really sat down and thought
about your tax situation?

Speaker 8 (42:11):
Looking ahead?

Speaker 1 (42:13):
You know, well, I think most of us feel like,
you know, it's out of our hands, don't Most of
most people kind of feel that way. Government's gonna take
what the government's gonna take. Ain't nothing I can do
about it.

Speaker 6 (42:20):
Yeah, you know, we always believe you gotta pay what
you gotta pay, right, that is what it is. But
at the same time, there's certain things that are at
your disposal. So one easy thing I'll give you an example, Gary,
is you know one of the most underutilized thing is
people just don't take the time to educate themselves about
their benefit package that they have through work.

Speaker 2 (42:41):
Right.

Speaker 6 (42:42):
You know, most people they look at that annual meeting
that they have, they say, oh, this is this is
just a time to where we're gonna take fifteen thirty
minutes away from our job, away from our desk and
we're just gonna hear from someone tell us about a
bunch of boring stuff. But the reality is is you
should really take time to study what are those inefit
options that you're able to tap into and sign up

(43:03):
forward during your open enrollment period and take advantage of
those things that would benefit you. And that's the thing
to where John and I whenever we work with our families,
we want to understand that we're going to ask you
questions about about your benefit package. We're going to review
that and we're going to say, hey, you should actually
sign up for that flexible spending account or you should
sign up.

Speaker 1 (43:21):
Yeah what what are we missing out on here?

Speaker 2 (43:23):
Yes?

Speaker 6 (43:23):
Absolutely, and that's that's our job, right and we're here
to we're really here to make sure you're taking advantage
of everything that you possibly can to save you money.

Speaker 3 (43:31):
And also the thing that that would be you know,
there are there are people who come in who are
you know, brilliant, I mean way you know, like you
look at their jobs and like, wow, you are so smart,
but but their focus has never been financed, so uh,
they've been focusing on what they're really good at and

(43:52):
and we focus on what we're good at right. So
so the idea is we can we can look at
your situation and say, hey, these are a couple of
things that we that we recommend you do and if
you want to leave that in our hands to make
those recommendations, that's why we're here, you know, that's what
we do. So so yeah, that's the and we deal
with that every day. So hopefully we can help you

(44:12):
through these what would be these gotchas otherwise, you know,
to say, okay, you've got you've got these options. Like
a good example one of one of the guys, he
and his wife, I've been working with them now, I
think six years something like that, and he called me
and said, you know, they're they're changing our pension situation
at my work. They're offering a buy out, they're offering
these different options.

Speaker 1 (44:31):
What do I do?

Speaker 3 (44:32):
And again he's a brilliant guy, but this is not
what he does. So I so my job is to
take the options. And also I can shop all of
the options, not only with that his company's offering him,
but also with independent companies and say, okay, what is
the best thing for you at this time, and how
do we want to use that money. And also in

(44:52):
the case of a pension, don't forget a pension money
is treated just like four oh one K money.

Speaker 1 (44:57):
Oh ok.

Speaker 3 (44:58):
Yeah, so so if they get give you a buyout,
uh you just that's just just like taking money from
me four one K and putting it into an individual
retirement account and then managing in appropriately from there. So
so now that it's there are things that we do
every day, you know, and and that's what we do,
so you know, it's funny. Uh So, So anyway, if
that's something that's of interest, we can do that we

(45:19):
can do. We can give you a check up, and
it's it's pretty simple. ATO three nine retire, ATO three
nine retire and Matthew and I and Paton we have
another advisor, David.

Speaker 1 (45:29):
Uh that's what we do. So, yeah, wasn't I'm curious
because again going back to the things we may miss
out on, and we sign up for benefits at work.
You mentioned f S f S as yep, how does
that benefits tax wise? Yeah?

Speaker 6 (45:45):
So flexible spending account or a health savings account. Both
of those accounts are intended for you to set money
aside to use for future medical costs that you will occur.
The beauty of each of those accounts is any contribution
that you make, meaning money that you take directly from
your paycheck and you put into either of those medical
type accounts, you receive a tax deduction on it, meaning

(46:07):
whatever dollars you put in you don't pay taxes on,
which is great. But the second beauty of that is
that if you do go to the doctor you occur
medical expenses, you're able to withdraw funds out of that
account and not pay taxes on it. Right, So it's
really it's a loophole in the tax system to where
you don't pay taxes.

Speaker 8 (46:24):
Going in and you don't tax is coming.

Speaker 3 (46:27):
Out, absolutely, and the other thing is and it grows
tax free while it's in there. Yeah right, yeah, So
it's a really I mean, if you think about it,
so imagine, say you have a thousand dollars bill on
medical right, which is everybody has that in a year.
I mean at least right, paid one of those last week,
absolutely right, So but imagine if you're paying it with
after tax dollars you've already imagined, you know, it takes

(46:50):
all you have to earn, just depending on who you are,
you have to earn twelve or thirteen hundred dollars right
to pay that thousand dollars. But in this case, you
just earn the thousand dollars. You've saved yourself three hundred
bucks in taxes on that, and.

Speaker 1 (47:04):
You've paid seven hundred bucks one thousand dollar bill.

Speaker 3 (47:06):
Yes right, yah, yeah, So it's that kind of stuff
that we can help you with, just to just to
go through and say, yeah, these are these are little strategies.

Speaker 1 (47:13):
So why is it an h I say, money can
stay in there, but FSA money has to be spent
by the end of the year.

Speaker 8 (47:17):
Yeah, yeah, good point.

Speaker 6 (47:18):
Yeah, true fact. Flexible spending account. They call that a
use it or lose it, right that they did. One
good news is they did just recently pass a law
that allows you to carry over a balance that's roughly
a little over five hundred dollars per year. But a
health savings account. The reason that I would say they
are a little bit more lenient for you and they
allow you to roll a balance over every single year

(47:41):
is because the qualification to make contributions into a health
savings account is that you must have what's called a
high deductible health care plan. What that means is you
go to the doctor, if you have copays and things
like that, then you do not have a high deductible
health care plan. What a high deductile healthcare plan is
is is it just.

Speaker 8 (48:02):
Means not going to pay anything.

Speaker 6 (48:03):
And the reason that they allow you to continue to
roll over those funds every single year and you're not
required to spend those.

Speaker 1 (48:09):
We got about five minutes left in the segment here,
and I maybe opening a can of worms here that
we can't deal with in five minutes. I don't know,
but I'm just curious now. I know we've had the
news last week. It was a big presentation. Anybody who
was worth their assault in the Republican Party who we
knew about in South Carolina was I think there when
they announced a bill that they think they'll get done

(48:32):
by the end of the session that would change our
income tax structure in the state of South Carolina from
what I think is what six point two percent now
top rate, which was supposed to go down to like
six I think or gradually, but now they're talking about
a flat tax three point nine nine percent cross the
board everybody. If the revenue still keep coming in, that

(48:56):
could drop to two point four nine percent at some point,
but the caveat being they're changing the way they're going
to be calculating if this goes through our taxes. I
guess now it's the state says, Okay, well, your income
is whatever your federally determined income was after credits and deductions,

(49:16):
but not on adjusted gross income, which is a higher number.
So they're going to flip it from that to AGI.
So I'm not this may be a wash, I don't know,
but how big of an impact would that have on
tax planning? And let me take it a step further,
because there have been a few that have kind of

(49:37):
brought up the idea and Mississippi is just just did
this last week that they're going to eventually get down
to no state income tax, which would make it the
tenth state in the country. We always think of Florida,
but there are nine eight of the states right now,
and Missisippi will eventually be the tenth that don't have
state income taxes at all. And there's even been a

(49:57):
few people up in DC who've talked about a national
sales tax and do away with the I R S
if that day ever happened, And that's a big if
how much of a difference does that make in how
you guys go about looking at and how we should
go about looking at savings for retirement, such that would

(50:19):
be a massive change. Would it not be huge? It'd
be huge.

Speaker 3 (50:22):
Let's start with the state tax situation. The what I
think is is is important is that you know, we
like roads and in other words, that that running a
state does cost some money. Now there are inefficiencies everywhere, right,
but but and waste and stuff, right, I mean, but

(50:42):
and we all want to get rid of that, but
it does cost a certain amount. So I like, for example,
I I I friends who live in New Hampshire. There's
no state taxes tax right, Their property taxes are ginormous
right now, other words, they're getting you know, you're to
come from someone. Yeah, exactly that that would be the point, right,
But now sure can we figure that out? Yeah and
that Yeah, But but it's the money's got to come

(51:03):
from somewhere at some point, and and and and so
that would be there. There will be trade offs whatever
those are, at some point if we were to go
to a zero tax. But but again, I the other
thing is, I think we're all in favor of trying
to simplify things and make things, you know, better, easier.

Speaker 5 (51:21):
All that.

Speaker 3 (51:21):
Now, I remember remember Steve Forbes many years ago, remember
the flat tax.

Speaker 1 (51:24):
Remember they ran on, ran on. Now, the thing was is.

Speaker 3 (51:28):
There were a lot of lobbyists for the CPAs and
lawyers that there's that, yes, you know, I mean there
are so there are a lot of interest in people
that are like, well, if you do that, you don't
need me, right right, So so I don't it's.

Speaker 1 (51:42):
A tough sell. Yeah, I don't know. It's a tough sell.
But for us, the little people, yeah, bring that all absolutely.
I'm brillian. I'm of the mind that hey, the Bolish
the irs put in a twenty three percent of whatever
it's national tax rate. If I don't want to buy something,
I don't have to buy something, right right, Yeah, some
things I gotta buy. But if I don't want to

(52:02):
buy this and pay it, then I don't have to
buy it. Yeah, but that's that's no I would think.
I would think.

Speaker 3 (52:08):
The thing about that is, obviously it's a simplicity thing.
That's wonderful, right, I mean, that'd be great. Now, the
issue is there's a huge percent of the of the
revenue the federal tax revenue that that that comes from payroll.

Speaker 1 (52:20):
Yeah, so we have to we have got to gigive
that out. Yeah yeah, Well, I'm sorry. I apologize. I
brought this open up for a few minutes, left, and
I opened the can of worms. And maybe we'll go
back and talk about it again one of these days.
But we'll see where it goes, where it takes us. Meantime,
we deal with what we got, yeah, right, and tax planning.
If you didn't do a good, good job in twenty

(52:41):
twenty four, let's try to do a better job in
twenty twenty five and be ready for the next tax season.
And again the breaking news here that we have until
May first of file. How did I miss that? Awesome
Johned Matthew always good to see the both of you.
How did that folks reach you at a preservation specialists?

Speaker 6 (52:58):
Yeah, just give us a call. We'll be happy if
he'd sit down talk with you at at oh three
nine retire. That's atoh three nine retire. All right, Good
to see you guys, Thanks Garry, Thanks Garry. 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.

(53:20):
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 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

(53:40):
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 dot com. That's
three l's spell law dot com. The Law Office of
James Snell since two thousand and four, with the offices
in Lexington and Columbia.