Health and Wellness Show 04-26-25

Episode Transcript

Speaker 1 (00:13):
And now time for the Health and Weala show here
on one O three point five FM and five sixty AMWVOC.
My name is Gary Dad. If you're just tuning in,
thanks for joining us this morning, and we got another
hour here. I'm with you for another hour, and in
this time we want to focus on well it's the
name of the show, right, your health and your wellness.
We'll be talking to Matthew Terry and John Farley from

(00:33):
Preservation Specialists. They'll be joining us in just a short while.
Larry Harris from Classic Systems will be on board as well.
Be getting started this morning is a guy i'll see
again later on today. It's my friend and yours if
you come out and join us. Matt Lyons and Carefree
Bow Clubs out of Lake Murray. Good morning to you, sir,
Morning sir. How you been. I've been fantastic. Yeah. I
don't know how the weather turns out today, but I

(00:54):
have plans for the first time this season to be
on Lake Murray with you guys.

Speaker 2 (00:57):
Yes, you are going to come out. My team is
getting the Groovy Gator ready for you. So groovy Gator. Yeah,
my wife loves the Groovy Gator. It's a nice try
tune for you. We just got the Beminy top fixed
on it. You know, when you've got a fleet of
almost thirty boats on Lake Murray, no matter what day
it is, no matter what week it is, there's something
we gotta fix.

Speaker 1 (01:16):
You know, when you get that many boats, you gotta
you're gonna have to fix something. This whole point.

Speaker 2 (01:19):
Absolutely, Somini tops tend to get a little bit awar
and tear on them because people people leave them up
because the sun gets hot here. It's not it's not
quite as bad as it's gonna get.

Speaker 1 (01:29):
Yeah, but yeah, come on, you're on Lake Murray. You
know said we that I can tell you this, we
will not be putting that Bemeny top up. Good to know,
Good to know. I don't care get how much sun
there is, we are not putting up the Bemeny top man.
That's what it makes sun screen for. Yeah.

Speaker 2 (01:44):
Absolutely, lots of lots of fun stuff going on. We
UH next weekend, so a week from today, we're opening
up our new Lakeside location, which is replacing our South
Shore Marina location.

Speaker 1 (01:55):
Right this is over behind the old UH fisher Charlie's
Fisherman's Wharf, which is starting else now at it's called
Lakeside Lakeside.

Speaker 2 (02:01):
Which is hence why we changed the name of the
location to Lakeside care Free Location. But the nice thing
about this location for US is members no longer have
to go to a faraway gas dock to fill up
the boat before they return it. We've got a service
that comes every morning that fills up all the boats
for us, So it makes it so much easier on everyone.

(02:23):
I'm super excited to be at this new location. It's
about maybe one hundred and fifty two hundred yards by
road from where the south Shore location was, that's right there. Yeah, yep,
So it works out really good, really convenient. We're going
to have six boats there to start things off with,
and we'll move our fleet around all three of our
locations as time goes on.

Speaker 1 (02:44):
Yeah, because the original, the south Shore location you were
at there, you had to go next door to get
the gas.

Speaker 2 (02:50):
You had to go all the way around the whole marina,
and you had to do it at idle speed and
it would take it would take thirty minutes to take
a boat from our dock to fill it up to
bring it back. Now we don't have to do anything,
And you know me well enough to know that I
excel at doing nothing.

Speaker 1 (03:05):
I might beg to differ with that, but hey, you know, okay,
I'll take that back. I'm really good at moving heavy things.
That's about it. If I recall correctly, did you not
weeks ago on this program proclaim that I think May
May fourth you said was going to be the start
of voting season on Lake Murray? Was that the date?

Speaker 3 (03:25):
You?

Speaker 1 (03:26):
Yeah, it was maybe or something.

Speaker 2 (03:28):
Now I think it's I think it's a May eighth
was gonna be or is the opening of the Thirsty Gator,
which is the outdoor barn grill at Lake Murray Resort
where we have a care free b club location.

Speaker 1 (03:39):
Okay, so that's where you got a lot of stuff happening.
We do we do?

Speaker 2 (03:42):
Yeah, yep, So on that spot right there, we've got
our biggest care free location going on. We've got the
private beach club that if you join care Free you
get a free membership to the beach club. Yes, we've
got Bucks Pizza serving. What I'm gonna say, my opinion
is the best deep dish pizza I've had in South
Caro lineup. Well as a Chicago you would know I

(04:03):
would know what I like as a fat Chicagoan.

Speaker 1 (04:06):
Well, I think that would be a formally fat Chicago
not as fat chick.

Speaker 2 (04:11):
We'll go that way, right, But No, it's uh, it's
really good pizza there, and I think that their menu
is great for Lake Murray. They're sandwiches they make on fresh,
freshly made chabata bread. I'm a big fan, my wife's
a big fan. And then the Thirsty Gator is going
to be set to open May eighth. It'll have a
different menu, all outdoor seating, and we're pretty excited about it.

Speaker 1 (04:34):
I mean, there's a lot happening there. They mentioned the
Beach Club and again, as a member of the care
Free Ball Club, you have unfettered access to.

Speaker 2 (04:40):
That correct, which are the kayaks, paddle boards, the actual beach.
I think it's the only private beach on Lake Murray.
There's not many beaches on Lake Murray, but there is
a beach there. And then we do different events. We're
going to have music there every pretty much every Friday, Saturday, Sunday.

Speaker 1 (04:55):
Three times a week.

Speaker 2 (04:56):
Now it is available for private events. We have a
wedding there in about two weeks, and they happen to
be beat boat club members as well, so some boat
club members are having their wedding there. So it's kind
of one big, happy family and you're welcome to join. Cool.
We get about as dysfunctional as every other family, but
it's all it's all in good fun.

Speaker 1 (05:15):
It's family for exactly you do. I know, you got
all the member mingles going on, and we bring all
this up because you see, it's a it's an experience.

Speaker 2 (05:23):
It is it is. That's the hope is it's really more.
I mean, first and foremost it's boats on Lake Murray,
so enjoy the heck out of that. You can join
just to do that. But there's a lot of people
who moved to this area from other parts of the
country that want to do things, and I'm trying to
create the opportunity for people to do things. Whether you've
lived here your whole life, you just moved here last week,

(05:45):
you might as well start living life.

Speaker 4 (05:47):
Man.

Speaker 2 (05:47):
I'm loving everything about being down here. My family and
I moved here three ish years ago, and I wanted
to live a completely different life than when I lived
up in the Midwest, where I know hunkered down for
four months of snow and even go out of the house.
If I got to get out on a lake, it
was for about two months of the season and the
water was always too cold. So yeah, moved down here

(06:10):
and said let's start living life and enjoying life. And
we started Carefree Boat Club because we wanted the lake
to have another boat club alternative. We think it was
a really good environment that we wasn't a great Well this.

Speaker 1 (06:22):
Is interesting too, and we're talking to Mad Lions, the
owner of the Carefree boat clubs I at Lake Murray
with not one, not two, but three location. Correct, because
the story is I mean, and this is what's neat
about it. Matt. You started a boat club because you
were you've been like me number one, you owned your
own boats. Correct, Then you realize, Wow, being a part

(06:43):
of a boat club is a much superior experience.

Speaker 2 (06:45):
Absolutely, it is rumored and true that I am the
worst boat owner ever. So up in the Midwest, you've
got a winter rise, you gotta summarize, you gotta charge
your batteries, you gotta do a whole bunch of stuff
that I never did. So my mechanic made a fortune
on me and one day told me I should joined
a boat club. And I didn't know what one was,
and I was home before a nickname and a jacket.
I didn't get either. And the day I joined the

(07:07):
boat club up there, first day out on the lake,
I looked.

Speaker 1 (07:09):
At my wife and I said, this is awesome.

Speaker 2 (07:11):
I didn't clean the boat. I didn't trailer the boat.
I didn't fix the boat. I wasn't worried about the boat.

Speaker 1 (07:15):
You knew where you showed up, it was going to work. Yep. Yeah,
So I'll go strange out in the middle of the lake.

Speaker 2 (07:20):
So I moved down here with the goal of enjoying
Lake Murray regularly, but not owning a boat. I did
not want to own a boat.

Speaker 1 (07:28):
But it went from you moving here, you and your
family and wanting to join a boat club to somehow
owning a boat club. And absolutely how did that happen?

Speaker 2 (07:37):
Well, the boat club and at the time there was
only one option on the lake, and they have great
boats in the closest location to my house still to
this day. But they would never tell me their member
to boat ratio.

Speaker 1 (07:47):
Okay, And why is that? Well a dumb question here
about No, why is that important?

Speaker 2 (07:53):
It's important because the biggest question people have when they
join a boat club is are you going to have
a boat for me on the fourth of July or
are you going to have a boat for me on
Saturdays in the summer? Right, Because that's the whole thing.
You're paying a lot of money. It's not you know,
it's less than owning a boat, but it's still money
out of your pocket. Sure, And the question is are
you going to have a boat when I want it?

(08:14):
The only true answer to that is it depends on
the member to boat ratio.

Speaker 1 (08:17):
And that's why a lot of people don't even entertain
the idea of joining a boat club because they're like,
I'm going to pay this money and then when I'm
going to want to go out there, it's probably gonna
be when everybody else wants to go out there, right.

Speaker 2 (08:27):
Never going to be able to get a boat, Right,
That's the number one And in some clubs, in some places,
that will be the truth, and that gives my industry
a bad name. At Carefree Boat Club, we keep a
very low member to boat ratio and we show members
what that is every single day.

Speaker 1 (08:43):
Now. The organization care Free is it's a nationwide correct
a group. They have a particular they tell it they
tell you that you got to keep it at this
particular level.

Speaker 2 (08:54):
They say you can never go above ten members per boat. Okay,
that's their limit that they say. Once you're above ten
members per bote, the club becomes a bad club and
people get angry because they can never get a boat
when they won in that sort of thing. Currently, today
we are four point seven members per boat, so we
are way below the ten to one ratio. I've never

(09:15):
come anywhere near the ten to one ratio.

Speaker 1 (09:17):
I'm going to say, you've avoided way below that.

Speaker 2 (09:18):
Yes, because I'm also a member of the club and
my wife likes to go out on Saturday afternoons like
everyone else on the planet.

Speaker 1 (09:24):
So I got to make sure the member of.

Speaker 2 (09:26):
Boat ratio stays low so I have access to my
own boats, because the last thing I want to do
is look at my lovely wife and say we can't
go boating today because I run a bad club and
there's thirty members per boat and we can't get a
boat ourselves.

Speaker 1 (09:37):
Right, yep. Yeah, And you were just telling me before
he came on the air, little to my knowledge that
to one of our boys is also.

Speaker 2 (09:44):
Yes, David reached out to me and this will give
you a good story as well. He didn't go online,
he didn't do the reservation system, didn't do any of that,
which is fine. He literally texted me and said, hey,
can I get a boat on Saturday? This was early
I think it was about Thursday. He texted me, Yeah,
can I get a boat on Saturday afternoon? And I
replied back and I said, absolutely. What kind do you want?

(10:06):
He said, I want to try tune. I went into
our reservation system. I booked them the Groovy Gator for
this afternoon, sent them a text and said, here you go.

Speaker 1 (10:13):
And lit As who know, we'll be tagging along. Yeah.

Speaker 2 (10:16):
I'm not going to tell them that you're going to
be there, because I'm the one who told you he
was going out.

Speaker 1 (10:19):
And you're like, oh great, I get a boat without
having to reserve it. This is perfect. But you do
have that reservation system, YEP, which is really cool because
it does allow the members to be able to book
a months out.

Speaker 2 (10:30):
Absolutely absolutely, if members use the reservation system and they
plan their boating life two weeks out, they will always
get the boat they want on the day they want.
That's something that the system is designed.

Speaker 1 (10:44):
To do without question.

Speaker 2 (10:45):
If they wait till the day of which many many
members do.

Speaker 1 (10:49):
They text them, I'm raising my hand over.

Speaker 2 (10:50):
They text me in the morning and say, hey, it's
going to be nice today, and my plans fell through.
I don't want to do a yard work as they're
a boat available we right now. Every time that's happen,
which I would say on any given weekend, that happens
twenty five times. Really we've had bad now, no, no,
you shouldn't. We've had a boat for the member every
single time but one. And I can tell you exactly

(11:13):
when that was. It was the fourth of July last summer.
At two o'clock in the afternoon. A member texted me
and said, is there a boat available right now? And
my response was there was three this morning and they're
all gone.

Speaker 1 (11:25):
Yeah, there's a couple right now where they're out in
the middle of Lake Murray, all of them exactly.

Speaker 2 (11:30):
And what's funny is that member didn't get upset because
they realized I reached out at two o'clark on July fourth,
like there shouldn't be a boat.

Speaker 1 (11:37):
It was a shot in the dark, you know, just
in case, right, It is very cool that you can
do that, and I know I'm a repeat defender of
having done that. Everyone is.

Speaker 2 (11:46):
We actually employed a new member hotline. So I went
out and got a brand new phone, brand new number,
and this number is only for members, and it literally
is everything you need, running early, running late, need a
last minute reservation, need to camp reservation. We filter all
the calls now to that cell phone. It stays with
one of the owners or the general manager at all

(12:06):
given times, and we use that to keep our team
ready to go. I mean, with three locations, thirty boats,
four wave runners, over one hundred members, there's a lot
to keep track of, especially on a Saturday or a
Sunday when people are trying to figure out their day.
We want it to be as much like owning a
boat as it can possibly be. So we let members

(12:27):
sty out late, we let them bring their dogs, we
let them go out early. We have fishermen and go
out at five am. We make it work because we
want it to be the same things you would be
doing on your own boat. Right, you just don't have
to do any of the bad stuff.

Speaker 1 (12:38):
Again, if you've never voted before, but you've been wanting to,
but you've never even driven a boat, what a great
way to learn because for a couple of reasons. Number one,
you guys will train folks part of the prob absolutely,
it doesn't cost any extra right, not a nickel yep.

Speaker 2 (12:53):
That's And what's comical and funny is I have competitors
who will charge for training, and in my I'm like
these are you.

Speaker 1 (13:01):
Know this is could wreck your boat. It's one hundred
thousand dollars boat.

Speaker 2 (13:06):
I'm willing to invest the time, energy and money to
make sure people know how to drive them right and
stay safe.

Speaker 1 (13:11):
Mm hm. And even no matter how inexperienced or experience
you are, your folks are always right ther other dog
absolutely to send you off and to bring you back in.

Speaker 2 (13:19):
And tell you about the boat. Because with so many
boats in the fleet, they're all a little bit different.
Batteries in a different spot in this boat, the additions
in a different spot in this boat, right, you know,
the wakesurf boat has completely different operations. The twin engine
boat has different operations, things like that. So we have
to go through the boats with the members to make
sure they know about that particular boat, primarily so they

(13:40):
have a good time. The last thing you want to
do is go out on a wakesurf boat and have
no idea what it is. And you're like, why can't
I wakesurf on this Well, because you didn't know to
fill up the ballast tanks, because we didn't show you how,
because you.

Speaker 1 (13:50):
Haven't been on the boat before.

Speaker 2 (13:51):
So again, everything is designed to keep members safe and
enjoy their experience on the water. Time's valuable, it's it's
the one thing we can't more of. So if you're
going to give up your time to go out on
the water because that's what you enjoy, we want you
to have the most fun in that time period you can.

Speaker 1 (14:08):
And again, as a member of the care Free Boat Club,
that's all you are doing is getting out of the water.
That's it.

Speaker 2 (14:14):
We don't ask our members to do anything else. We
hopefully meet you at your car with our golf cart,
grab your your coolers, your bags, your fishing poles, carry
it all of the boat for you if we're doing
our job right, which we try, and then we launch
you off, catch you when you get back, we fill
the tank up and you just walk away.

Speaker 1 (14:31):
Yeah. First time we came out a couple of summers ago,
and and that happened. My wife looked at me and said, oh,
this is just because you know Matt right, I said, no,
this is the way, this is what. This is the
treatment everybody gets.

Speaker 2 (14:42):
Yeah, we're not we're not perfect by any far stretch.
We're still a growing learning company and so forth. But
if we do things right, it's pretty awesome. And we're
trying every day.

Speaker 1 (14:53):
All right, So now the locations you're on both sides
of the lake. Now, did you mention that the now.

Speaker 3 (14:58):
The the second which used to be the first south
shore south side location is it's not?

Speaker 1 (15:09):
Is it ready to go yet?

Speaker 2 (15:10):
Yeah, it's ready to go this coming weekend. So a
week from today, week from today, week from today, we
open up with five or six boats there. We've got
our storage facility there, we've got our parking available there.
It's right at Lakeside Restaurant, right on three seventy.

Speaker 1 (15:23):
Eight, which used to be Charlie Fisherman's War used to
be Charlie Fisherman. Have you been in there yet? I
have because I used to love the It was like
walking back into the fifty.

Speaker 2 (15:30):
You're still walking back into the okay, good yep. And
Terry is the owner there, and she puts out a
solid of very solid meals. She has some really good seafood.
I've had her burger more than a dozen times. No
complaints at all with what Terry's putting on the plate there,
and the core is something a bit from nineteen fifty
and I kind of dig that.

Speaker 1 (15:49):
I do too, man, I was, I was hoping that
that that didn't go away? All right, what about out
a time? But before I let you go, you still
got the discounts on the one time initiation fee.

Speaker 2 (15:58):
We do we do right now tty percent off our
regular initiation fifty off yet, which is still We don't
want to be substantially less than everyone else. We just
want to be really fair to the business, to the members,
to the everything. So we're very competitive. We always deal
match anyone on the lake, and we do whatever we
can to make it be like owning your own boat

(16:19):
without any of the negative stuff.

Speaker 1 (16:20):
There you go, Mad Lions Carefree Boat Club, Lake Murray.
Folks want to get signed up and get more info.
What do they need to do?

Speaker 2 (16:25):
They can check us out at carefreeboats dot com or
they can give us a call at eight three three four.

Speaker 1 (16:31):
Boat four four. All right, goodnese you buddy, thank you, sir.
Seeing today on the lake.

Speaker 2 (16:34):
All right, take care.

Speaker 5 (16:36):
Hi, this is John Farley. Now let me ask you,
is your retirement inflation proofed? 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 just about everything continues to go up?

Speaker 1 (16:53):
You inflation proof it.

Speaker 5 (16:54):
Our team at Preservation Specialists can show you strategies to
help combat inflation so it doesn't out pace 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

(17:15):
minor annoyance.

Speaker 1 (17:17):
Call the team at ATO three nine.

Speaker 5 (17:19):
Retire now to start inflation proofing your retirement today at
three nine retire. That's eight three nine Retire.

Speaker 2 (17:27):
Securities off through Okado's Capital Member Finner and spec Advisory
Services off through Okados Well Performation Specialists and Arcadios are
not affiliated through any ownership.

Speaker 6 (17:35):
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 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,

(17:55):
compare the plans and prices, and find you the insurance
plan that fits your nie.

Speaker 1 (18:00):
Best of all, their help is at no cost to you.

Speaker 6 (18:03):
They work with nationally recognized insurance companies to give you
the affordable insurance you're looking for. So whether you're self
employed or in a small 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 Jeffhowel dot com. That's eight oh three six seven

(18:27):
eight eight one two one or Jeff howl E dot
com and let them find the right insurance for you.

Speaker 1 (18:34):
You are listening to the Health and Wellness Show on
one O three point five FMN five sixty AM WVOC

(18:54):
and it is a delight to have you joining us
this morning, but we have some very important information to
pass along for the remainder of the program this morning,
and right now, let's talk about your money, your retirement savings.
You're freaking out of what's going on. It's Matthew Terry
and John Farley joining us again this morning from preservation specialists.
Good morning, guys, morning Gary, Hey, good morning. Well we

(19:17):
approached this subject to not that long ago, but it's
still out there, of course, and that is volatility in
the markets, volatility in the economy. Wow. And yeah, a
bunch of things have kind of quieted here in the
last week or so, certainly, but a lot of freaking
out man over this for not everybody, though specifically your

(19:44):
clients probably they're probably not running to the office and
telling you the guy's falling. You don't have any chicken littles,
do you? Yeah? No, that's it. I mean, I mean, we.

Speaker 5 (19:53):
Because we're diversified and we're not all stocks. That that's
and that's where working really well and that's our intention.
So that so basically, you know, if you look at
our at our our economy here in the United States,
we have the largest capitalist experiment, if you will, that's
ever happened. It's wonderful. Right, We've had companies, innovation, all

(20:18):
these things and basically what companies US companies, and we're international,
but US in particular. They're like, give me the rules,
I'll figure it out and I'll make some money.

Speaker 1 (20:30):
Free market. Yep.

Speaker 5 (20:33):
What's happened in the last several months is I have
no idea what the rules are right, right, and so
and and and that's not likely going to change, you know,
even though there's this oh well we're doing this, we're
it's not likely that the rules are going to be
clear anytime soon. And so as you say, therefore, uh,

(20:58):
it would seem pretty likely that markets are going to
have really good days and really bad days, and it's
gonna be all over the place. Even you know, you
listen to the to the leaders of these companies and
they're like, just just tell me what the rules are,
just just and then I can adjust, you know, I
can I can figure it out and and you know,

(21:18):
and also it would it would seem like like think
about a company like Apple, right, one of the if
not largest, in the world, one of the most successful,
et cetera, et cetera, et cetera. If the plan is
and it may be a good plan, don't know, but
if the plan is, hey, it would be better for
you to manufacture x amount of your product in the
United States. Fine, talk to Apple and say we got

(21:40):
a two or three year plan for you. Probably not
great to just say, Okay, there's a terror coming in
ten days. I mean, that's not planning. That's that's like,
that's like that's like throwing rocks at things, right, So,
so there and they don't know the day, you know.
And if you're Apple, you're you're you're going, oh what.
Then there's a lot of that. So the idea is, uh,

(22:04):
if you're all in stocks, that's going to be a
problem in our estimation for for a while until whatever
settles down with some basic rules of the game. So
there's all kinds of other stuff that you can be
in that is way less up and down than this.

Speaker 1 (22:20):
And Matthew, we talked about this some time to time.
Market fundamentals and uh so, so the the reaction we
we we saw, especially initially back towards the first of
the month, when these retaliatory tariffs came came and came on,
and I was a little shocked because often the markets
kind of factor in something and there was a bit
of a warning, you know, we were told April second

(22:41):
is going to be the day. So I wasn't surprised
to see the markets react, but I was surprised to
see the markets react as luciferously as they did. And
again to your to your point there, John, it's just
the uncertainty and what are the rules? But none of
none of this to this point at least, and that's
early on. It doesn't seem to have been these these

(23:04):
wild fluctuations aren't necessarily driven by market fundamentals.

Speaker 7 (23:07):
No, No, it's definitely not by you know, market fundamentals.
You know, the market itself, it's always going to react
to new information, right and and anytime new headlines come out,
the market is going to react to that, whether that's
positive or whether it's negative news. But whenever you look forward, Uh,

(23:28):
the one thing the market definitely does not like is uncertainty,
right And and I would say that's really where we
are right now.

Speaker 2 (23:36):
We know that.

Speaker 7 (23:37):
You know President Trump, he announced tariffs and then he
said we're going to put a pause on tariffs, and
we said we're going to give in essence a kind
of a negotiating window.

Speaker 2 (23:47):
And I would say.

Speaker 1 (23:49):
Remember the old years, too young for this, When John,
you remember the old ef Hutton commercial. When the F
Hutton speaks, people listen absolutely, that's yeah, yeah, yeah, you know,
this this is what we're This is what we're We're
right in.

Speaker 2 (24:01):
The middle of it.

Speaker 7 (24:01):
Yeah, And you know, until we kind of get to
that mid May point, or until there's any major announcements
of hey, new deals have been reached regarding you know,
trade agreements and things like that, I do anticipate to
continue to see kind of this up and down movement.
And you know, the worst thing again, we've talked about

(24:22):
it over you know, over the last several months. I mean,
what retirees can't afford is up and down movements within
their accounts. And if they know they're needing the funds
that are moving up and down, right, that's the worst
thing that they can be in is stocks. And the
only reason for that is, you know, you just want

(24:42):
to have a plan. You want to have a diversified
investment portfolio. So if stocks are going down at the moment,
you just want to make sure you have another place
that you can tap into for your living needs every
single month. And that's where we're here to help our clients,
right you started off. I mean I've talked to a
couple of people, a couple of representatives within the finance world,
and they talked about how the last several weeks and

(25:06):
I'm going to say a month and a half has
been very stressful for them. And the reality is is
we have not had any chicken littles. We have not
had clients beating down our doors, and that is because
they know that we plan for the uncertainty, right the
investment portfolio that we have created. Of course, yes, some
of their stock positions have gone down in value, but
they know that there's actually other things that have continued

(25:26):
to do very, very well. And that is okay, the
peace of mind that we have provided them through in
the midst of everything that's going on. That's exactly why
we do what we do, and that's a beautiful thing.

Speaker 1 (25:38):
So now I'm sure we've got folks, a lot of
folks listening this morning that hear you talk about diversity
and was my definition for a long time. Okay, I'm
in mutual fund, so you know, I'm not all in
this stock or that starck. Yet it has spread out,
but your definition of diversity is not the same. You're
probably what do you mean, You're diversified. Yet you know

(25:58):
all these stocks are going going haywire right now? How
come your folks, John aren't freaking out because Gary, what
happened is so we are. We are a small independent firm.
We're licensed in every area of the finance world, so
we can recommend whatever is available. Working with someone who
is primarily stocks and bonds, that's where they're licensed, that's

(26:20):
what they do. Those are the levers.

Speaker 5 (26:21):
They can pull big name brand companies in many cases
they are stocks and bonds. Or you can work with
someone who is in the insurance industry exclusively and so
they're going to do things like annuities and insurance or banks,
they're going to do CDs or some sort of thing.

Speaker 1 (26:35):
We have. We are open to all of it.

Speaker 5 (26:37):
And one thing that is really important is our founder,
Pat Struby, founded our company twenty years ago. We do
we're now twenty and a half years and one of
the things that we do and we do I think
pretty well, is that when you look at the long
term portfolio performance, what is an ideal portfolio performance, it

(27:01):
frequently is one where we model ours after university endowments.
So these endowment funds have these large you know, like,
we don't happen to have the forty one billion that
Yale has, right but it might surprise you to know
that Yale right now of their forty one billion, less
than three percent is in US stocks. Really yes, and

(27:22):
there's a reason for that because now, what I will
also tell you is that it used to be that
if you wanted to participate in these what are called
private equity funds, which basically it's a mutual fund of
investing in private companies. Think of some private companies we know,
Public's New Balance, Home Depot, Enterprise Renter. These are all
private companies. No, they're not listed. You can't get in them. Right,

(27:44):
If you wanted to participate in these sort of investments,
you had to be a very wealthy person, you know,
had to stroke at twenty million dollar check, had to
be an endowment fund, had to be a pension fund,
had to be a sovereign government.

Speaker 1 (27:57):
Right.

Speaker 5 (27:57):
But what's happened in the last really fifteen years, and
especially in the last ten years, is that there are
retail channels into these type of investments. Another example of
an investment, let's say you wanted to own or participate
in the commercial warehouse industry that the Amazons and the
Targets and the Walmarts use. You had to go buy
yourself a warehouse. Well, now there are funds that we

(28:20):
have access to where you just just like buying into shares.
We have a fund we work with. I think they
own four hundred and thirty buildings throughout the United States,
and their customers are the retail people who are doing
online retail. So we buy into those funds and those
are very stable, steady eddy funds that are asset backed,
meaning if something goes wrong, we own a piece of

(28:40):
all of those buildings, and they're in something that is
an industry that historically we're still at. If you look
at the demand in the United States, only less than
twenty five percent of what people buy is online. So
there's a huge demand for those those spaces for my wife, Yeah, yeah,
you know exactly. Yeah, it's growing. So so those are

(29:02):
a couple of examples of diversification outside of the public
stock market. And the other thing that happens in that
space is exactly what you described earlier is public markets
freak out or they're euphoric. They they're one way or
the other. The sky's falling, the sky is never falling.
But if you have investments in these other places and

(29:23):
there's no there's no place where somebody can come in,
and you know, it's just much more stable. Evaluate the
value of the of the property or the or the entity.

Speaker 1 (29:34):
What's it worth. That's what it's worth.

Speaker 5 (29:36):
Now, that doesn't mean they don't go up and down,
they just don't go They just don't go, especially down
anywhere near as much.

Speaker 1 (29:42):
Yeah. Interesting because when people think about, you know, investing
in real estate, they're not thinking about what you're talking
about in these warehouses. And I guess with the proliferation
of these AI data centers, now you got you got more. Yeah, yeah,
we have access to those as well, yeah online. Yeah yeah.

Speaker 5 (29:57):
So so the idea is if you diversify and they
just give you a couple of examples, there are others.
But if you diversify into those areas, which is a
lot of what these endowment funds are doing, they're diverse
fied into all over these places even you know, I
mean in some cases they're diverse fighted into things like
natural resources, which would include things like oil and gas
or timber. Right, you know, these are sort of places.

(30:19):
Now you know, people in retirement. We're not putting people
into exploratory oil and gas, but there are some places
where you can go in. You can get nice tax advantages,
and these are stable, steady eddy investments, much more stable
than a very volatile stock market, which looks like it's
going to stay that way for quite a while. So
if you want to get involved eight oh three nine retire,

(30:42):
that's where you can come in. We can chat with
you about this and we'll look at your situation. Another
example of what you're describing, Gary, which frequently happens, is
I've worked with a woman the other day. She came
in and she had she said, yeah, my guy has
me in all growth. Well, when you looked under the hood,
she was in about nine mutual funds. Eight of them
owned Apple.

Speaker 1 (31:02):
Okay, to make a lot of sense, but okay, but.

Speaker 5 (31:06):
That happens a lot, right, So you're paying one guy
to sell Apple and one guy to buy Apple, and
the other guy to sell out. In other words, there's
this huge buy.

Speaker 1 (31:13):
An instell Apple for right.

Speaker 5 (31:15):
Right in your different funds, and they and of course
and the top the top holdings were Apple, Microsoft, and Vidia.
You know, all the all the name brands, right right,
and all in nine of the ten funds. And I
just pointed out, I said, there's no more diversification in
the other nine than there is in one.

Speaker 1 (31:31):
Right, you you got.

Speaker 5 (31:32):
So the idea is, let's actually diversify you. Let's get
you into these other areas that are going to give
you a more stable ride, peace of mind, and as
we say, some asset backing. You know, like again, if
you own if you own a building and the world
goes kuputz or the renter leaves, you're gonna be able
to somebody else who's gonna there's value in a piece

(31:52):
of real estate where there is not value in.

Speaker 1 (31:54):
A stock certificate. Should there should something happen to that company? Right? Yeah?
Because you are I mean you you're if you're in
the markets, I mean you're you're kind of like selling airtime,
you know, yeah, and advertising, right yeah, you're buying air
Yeah yeah, what is that? Yeah? Yeah, it's not tangible.
You can't pick it up, you can't hold it.

Speaker 5 (32:14):
And also gary think about but very it works yeah yeah, no, yeah,
you can get tremendous growth. Yeah yeah, yeah, but also
think about bonds as well. Bonds are non collateralized loans right, Yeah,
we have we have investments.

Speaker 1 (32:27):
I give you a hundred bucks, you told me you're
gonna repay me one day, and maybe you do it. No,
you don't.

Speaker 5 (32:32):
There's no collateral. Now if you don't, you're gonna have
a tough time getting loans again. But there is no
there's nothing there. We have investments in collateralized loans, so
that so that you know that that and and those
tend to fail not very often because there's a big
collateral on the other side. And so these are the
types of things to give you a peace of mind
and to give you true diversification.

Speaker 1 (32:53):
Okay, so the volatility I got about thirty seconds here.
Don't expect it to really go any that vis is
going to be going VIX is going to be going
crazy for a while. Thank That's right, think So yeah, yeah.

Speaker 7 (33:05):
And you know, just I know we got a short
time here, Gary. But I'll say the biggest thing that
I'll leave everyone and they can go home with is
it's all about finding and constructing a portfolio to where
all your investments don't move the same direction. That's truly
the definition of diversification. It's not fifteen mutual funds. It's
just not having all your investments to go to the
same direction in a specific market. And that's where we

(33:27):
are today. All stocks, everything's going to be going down.
We want to create a diversified.

Speaker 1 (33:31):
Approach, all right, and to set that first appointment.

Speaker 5 (33:34):
ATO three nine retire ATO three nine retire our office.
You can see it off of twenty six between Piney
Grove and Harveston on the Harveston side on.

Speaker 1 (33:43):
The Harveston Mall Side's good to see both of you.
Thanks Gary, Thanks Gary.

Speaker 6 (33:46):
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 ever,
whether health or medicare insurance. Let the experts guide you
toward ease of mind, had a healthier few future and
who couldn't use that nowadays? Jeff Howell in Health Markets
do all the grunt work for you. They make the calls,

(34:06):
compare the plans and prices, and find you the insurance
plan that.

Speaker 1 (34:10):
Fits your needs. Best of all, their help is at
no cost to you.

Speaker 6 (34:14):
They work with nationally recognized insurance companies to give you
the affordable insurance you're looking for. So whether you're self
employed or in a small business, an individual or seeking
a family plan.

Speaker 1 (34:26):
They have you.

Speaker 6 (34:26):
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 right
insurance for you.

Speaker 1 (34:46):
Good morning.

Speaker 4 (34:47):
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 to

(35:09):
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 have any

(35:29):
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 (35:51):
And we're back into our final segment here on this
edition of The Health and Wellness Show on one O
three point five FM and five sixty AMWBOC. And we
welcome in to the studio now Larry Harris from Classic Systems.
Good morning, Larry, how are your brother?

Speaker 4 (36:05):
Good morning, Gary's a blessing.

Speaker 1 (36:07):
To be here. Always good to have you in the
house with us, do you We were just talking before
the segment here. You know, the older we get, man,
the more this stuff just bothers us.

Speaker 4 (36:17):
Well, this stuff in the air, there's so much allergy
triggering irritance everywhere. During this time of the year, tree
pollen and grass pollen is very high.

Speaker 1 (36:28):
But we don't see the yellow stuff all over the
place that we assume that all that's over with.

Speaker 4 (36:32):
But Tolin has a lot of flower pollen is government.
One of the problems is there's so many allergy triggering
irritants in an environment where there's an office or home.
And over the past thirty years I've been involved with
the natural solution to indoor air pollution, and that is
with a device that will create what God does in

(36:55):
a thunderstorm by creating negative and positive ionization to get
all the pollen, all the dead skin, all the dust
out of the air. By putting a negative and positive
charge on particles, making them clump together, get heavy, and
settle out of the air. Then the ozone oxidizes eighty

(37:15):
percent of the dust out of your environment. So that's
why we call this the natural solution to endore air pollution.
And we can let a family or an office or
anyone try the product for three days under no obligation.

Speaker 1 (37:29):
If they like it, they can buy it again. We
focus this time of the year, even though we can't
see it now. The pollen is still an issue of
the grass pollen, absolutely that sort of thing. But there
are other irritants out there, absolutely not just palling.

Speaker 4 (37:45):
Airborne mold is a serious allergy triggering irritant, and they're
different types of mold. The most deadly mold is called
Stachyboxtrius aftra that kill ten three month old infants in
ninety nine in Cleveland. So the secret to this is
doing air testing. And if we do an air test

(38:07):
in the am, we can have the lab report back
that afternoon.

Speaker 1 (38:11):
To identify all does that involve doing well?

Speaker 4 (38:13):
We have a meter that pumps in fifteen liters of
air for ten minutes, and then we have to do
the same thing outside. So we compare the outdoor air
with indoor air. If the air inside is worse than outdoor,
then we know we've got an airborne problem.

Speaker 1 (38:30):
Is it possible that there are some areas where the
air outside is just so bad that even if it's
slightly better inside, there's still a problem.

Speaker 4 (38:38):
Absolutely, because anytime you open an outside door, you're letting
that outside air come into your home.

Speaker 1 (38:45):
All right, Nobody to not open the door, is there,
although it seems like we try. Back in the quarter years,
he didn't tell us we can open the door, but
a lot something changed back then. Well back other issues.

Speaker 4 (39:00):
You're right, Jimmy Carter told every homeowner to seal up
their windows with precision that was so deadly that our
homes couldn't breathe. And so then you've trapped all this
air that gets in there. And then you've got other
things that can cause problem, like paneling, paneling off gases
from maldehyde up to ten years.

Speaker 1 (39:21):
Really, yes, it's for a lot of people use paneling anymore.
But boy, hot in the seventies, well.

Speaker 4 (39:26):
Yeah, it used to be carpets off gas, some chemicals toxicity,
So you've got to be aware of what you're putting
in your home that could be allergy triggering irritance.

Speaker 1 (39:39):
And there's a lot of lots that you can bring
in from outside. Absolutely they'll do the same thing. I
think you had mentioned one time a while back that
that do car smell that we all seem to love, right,
it's not good for us.

Speaker 4 (39:53):
Sometimes it could be toxic depending upon the chemicals that
are used, and so we the best thing to do
is do air testing. That way, you know, beyond a
shadow of doubt, if you have an airborne problem inside
of your environment where it's an office or home. And
so if we do again, if we do that air
test in the morning, we'd have the lab report that afternoon,

(40:15):
and there are protocols that we use that will correct
the problem.

Speaker 1 (40:20):
How many different methods do you have then? What is
it depends on what to use this method versus that method,
or what have you.

Speaker 4 (40:28):
The most effective method that we've had over the past
thirty years is an air pure fire. We've got a
little air purifier that your wife bought is called a
pure Air fifty. That's only fifty dollars and it'll do
three hundred and twenty five square feet. We've had a
lot of collages that have bought these for dorm rooms
to eradicate microbial growth or mold growth, and it's very effective.

(40:52):
There's literally no maintenance unless you see dust on the
orifice the opening of the air pure fire, or on
the filter at the back. It's not a filter, it's
a linch screen. But if you see dust on it,
you just vacuum it off. So it's very low maintenance.

Speaker 1 (41:08):
And I kicked myself because last weekend we uh spent
a night in Myrtle Beach and I don't know why
I didn't take that Pure fifty with me because it
wasn't like we were staying in a dirt bag motel,
but we weren't staying in a you know, a five
star motel EA, so I wish, well, I guess I
should have brought it. You don't know when you travel,
You don't know what you can encounter.

Speaker 4 (41:28):
That's exactly right. And sometimes you can get in a
motel that has a lot of toxic things in the
air and also on the surfaces. Say these are things
that people should be aware of But the little pure
of fifty is so portable you can take it anywhere.
And the next size is the pure air fifteen hundred.
That's only eight inches square, weighs two pounds and able

(41:49):
to do fifteen on there square feet.

Speaker 1 (41:51):
Yeah, we had we used that in the home run
now is a little bigger than the home. Well quite
a bit figured on home we were in before. But
I would tell you that fifteen hundred just it took
care of the whole house, which is amazing that you
can take one unit like that. It could be on
one end of the house, yet it will have an
effect on the opposite of the house, through doors, through walls,

(42:14):
through everything, which is confusing to me.

Speaker 4 (42:17):
Well, the benefit of that is it creates these six
thousand negative ions per cubic centimeter four thousand positive. And
if we can put that much ionization in an environment
sixty feet in any direction, it'll go through the walls,
the doors, under beds, under soface, wherever there's particles floating.

(42:37):
We put a negative and positive charge on it and
makes all the particles clump together, get heavy in settle
out of the air. Then the ozone will oxidize eighty
percent of the dust out of the environment.

Speaker 1 (42:49):
But sometimes you go into homes or businesses and you
test that air quality and you realize, okay, absolutely these
systems are something you need to have in this environment.
But sometimes you find that there's more that needs to
be done prior to that.

Speaker 4 (43:03):
Right it can be without testing, you don't know. But
one of the benefits of these air pure fires. We
had a upholstery shop call Us, and they had a
car that had mold in it and they could not
get rid of the mole. So they rented from us
an ozone device and they used it overnight and all

(43:26):
the mole was gone the next morning. So we've had
a lot of dealers that have rented these airpure fires
to get rid of odors. Like we had one high
dollar car dealer that actually had a client that left
fish in the back seat and it decayed and it
got into the carpet, and they rented our airpure fire

(43:48):
for overnight and it eradicated all the fish odor out
of that car and it was gone.

Speaker 1 (43:53):
That's crazy. Wow, Wow, that's what it can do in
your home. Huh.

Speaker 4 (43:58):
So anytime you've got dogs, cats, We had one client
that had four pair parrots, two dogs and two cats.
You can imagine what they had in their environment airborne.
So they tried one of the larger air purifiers and
in twenty four hours all the odors were gone. So

(44:19):
that's successful.

Speaker 1 (44:21):
You mentioned earlier airborne mold now and I guess us,
lay folks, you may you may see mold, you may
not see mold, and still has correct. But we think
about mold being on walls or floors or ceilings or
what have you. But because it's there, it's probably in
the air too, floating around. I guess it's the point, right.

Speaker 4 (44:42):
Well, when you see mold, that's visible, but sometimes you
can have it in your duck work and you can't
see it right. And then if it's air morn, if
there's mold in the duck work, and of course your
air conditioning or your heat comes on and blows it
out into the environment. And that's actually what happen in Cleveland,
Ohio in ninety nine when ten infants died from stachybotros

(45:05):
atra because it became airborne in their living space and
it got into their lungs, CAUs lesions on the rapidly
growing blood vessels of ten month or three month old infants,
and that's why they had problems because of the airborne mold.
So we don't know unless we do air testing because
duckwork can produce what you have in duckwork, and air

(45:28):
conditioning actually is a dehumidifier. It takes hot, humid air
out of the environment into the duck work, and you
also have dust in there. So if you've got morstia
and dust, that's the two criteria for mole to grow.

Speaker 1 (45:41):
I've been told you cann't set me straight on this
that a good portion of the air inside your home
is coming from underneath your home.

Speaker 4 (45:52):
I've heard that, and it is reported that about fifty
percent of the air in your breathable airspace does come
from the crawl space. Now, Gary, that could be possible
if the home is over fifty years old, because fifty
years ago, when they put pipes and wiring through the
plate of the bottom of a ball, the plate is

(46:14):
the two by four that lays flat on that drill
a hole through that and not insulate it. Run pipes
through there, plumbing plipes and also electrical wiring, and they
wouldn't insulate that hole. So that's an open access from
air and the cross space come right up into your home. Now,
think they're a little more efficient in insulating those wholes.

(46:35):
But if they haven't, then some of that air can
certainly breach the integrity of the inside down.

Speaker 1 (46:41):
And the environment in which we live here in South Carolina.
You get into a house, we like to think it's
you know, and usually it is. It's cool run to
there in the summer that it is, but still it
can get hot, it can get warm, and it's many
times as moist absolutely, and that's a rest for some disaster,

(47:01):
right absolutely.

Speaker 4 (47:02):
We actually did an inspection of a home maybe fifteen
years ago that had some moisture in the cross space.
So we went under there and we found under the
kitchen a breach in the subfloor. The plywood had rotted out,
and so it was opened up into underneath the cabinets

(47:22):
of the sink in other areas, so all that air
was coming right up into the breath of lat space.

Speaker 1 (47:27):
So let's say you got mold, you go out. And
sometimes I guess it's real simple for you. You are
you sure up? You got a test here anyway, But
it's mold is visible, and again it's not always visible, right,
that's correct. You don't always see it. But do you
offer mold remediation services?

Speaker 4 (47:42):
Yes, we do. We have a protocol where we can
take to remove the mold. The first thing you got
to do is you got to find out where the
morshe is coming from. That's prior to number one. Then
you have to stop the water intrusion. Once you do that,
then you can remediate the mold. And there are very
effective protocols to do that, and we've been trained in that.

Speaker 1 (48:02):
What all does that involve, Larry? I mean sometimes you
think that I'm gonna have to remove a bunch of
sheet rock and two by fours and flooring and all
this stuff.

Speaker 4 (48:10):
Is that actually we learn by taking a course in
water restoration applied structural drying. So when sheet rock gets
wet and it's dried properly, it's actually stronger than it
was when it was first put into the home. So
water properly dried will become sheet rock will become harder.

(48:31):
So the first thing that we have to do is
identify where the moisture is coming from, stop it, and
then dry the place out properly. Because if you have
sheet rock won't go all the way to the floor.
There's about a half inch to an inch between the
floor and the sheet rock, and we can use dehumidifiers
that'll evacuate that moisture behind the sheet rock. There are

(48:54):
other protocols to remediate that, but that dehumidifiers the most
effective with air movers.

Speaker 1 (49:02):
If you've got if you go down into your your
cross space and you happen to see that there are
you know, they're you know, two by fours down there
that have visual mold on them, or sometimes well I
guess you may have turned out whatever you see parts missing.

(49:24):
You know that's not mold. But I mean it's a
the remediation of something like that, is it the same thing?

Speaker 4 (49:32):
I mean, Well, the first thing you've got to do
is take humidity reading. See if you've got relative humidity
of sixty percent or greater, that's going to cause some
mold to grow. Now, we've inspected a lot of homes
in Lacton County in a cross space and they had
visible mole because of the relative humidity. And so the
protocol there is to make sure the morsture is evacuated

(49:55):
properly and then you can.

Speaker 1 (49:58):
Remove that mole.

Speaker 4 (50:00):
Don't treat mole with wet wood and I've had a
lot of companies that don't know that or hadn't been
properly trained. They'll go in there and treat that mold
with a liquid and they spray it on there, and
it's going to come back because you're not drying it
out properly. So you've got to have you've got to
have dry wood to remove the mold.

Speaker 1 (50:20):
I just wonder. I mean, guys, you consider that this
October will be ten years since the twenty fifteen floods, right,
and how many homes still to this day may have
some serious issues from that to not even know it,
that's correct. And if you don't look, you don't know.

Speaker 4 (50:38):
And so we've inspected a lot of cross space over
the past twenty years for mold and moisture intrusion. And
we had some homes out off Trunum Road that had
due to that flood in fifteen, the dams broke and
there were so many houses out there that we did remediation,
removed the sheet rock and dried it out properly, and

(50:59):
then we eradicated the mold.

Speaker 1 (51:02):
I guess the point here is is that if you
do have an issue, it doesn't necessarily mean you're going
to have to rip up a bunch of stuff. Absolutely not.
There are ways that you that you methods that you
use to make it as painless as possible. I guess absolutely.

Speaker 4 (51:19):
The most important thing is you want to restore the
air quality in your home so it is airborne free
of toxicity. Which could be dust, it could be mole spores,
it could be chemical off gasing, it could be a
lot of things. But the identification of it is so critical.
To do the air testing and then the same day

(51:41):
we can identify if there.

Speaker 1 (51:42):
Is a problem.

Speaker 4 (51:43):
Now the question is is there an environment that's mole free?
The answer is absolutely not. You're always going to have
something that's airborne. It's the level of the mole spores
whether it's too high to be acceptable.

Speaker 1 (51:58):
So get it tested right if it needs to be,
getting remediated, and then finish it off with the pure
air systems. Right. Phenomenal.

Speaker 4 (52:05):
Yeah, the air pure fires are so effective to clean
the air. And it's not a filter. It's filtered this
technology because God in a thunderstorm does not filter the air.
Lightning actually creates negative and positive charges. It also creates ozon.
That's why the air so clean and fresh. After a thunderstorm.

Speaker 1 (52:26):
Yeah, so you get it's one stop shopping here with
classic systems. You can get it all taken care of
in one fell swoop with this, that's correct.

Speaker 4 (52:33):
It's literally the natural solution to indoor air pollution.

Speaker 1 (52:37):
All right, Folks want to get a hold of you
and get it's tom to get you out to check
out the air and then come up provide the solutions.
What's the best way to reach you, my friend.

Speaker 4 (52:46):
They can call me at eight O three six two
six two seven four eight. Aight O three six two
six two seven four eight and if you have a
question about it, give me a call. I'll be glad
to talk to you about any issues you may have.

Speaker 1 (52:59):
Absolutely or check you out online at try.

Speaker 4 (53:01):
Fresh Air now do try is try fresh air noown
dot com.

Speaker 1 (53:05):
All right, Larry, good to see you about it. Always
a pleasure, thank you. 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.

(53:27):
The Law Office of James Snell recognized by AFA 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 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

(53:48):
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 office is in Lexington and Columbia.