Health and Wellness Show 05-03-25

Episode Transcript

Speaker 1 (00:14):
And we welcome you into the Health and Wellness Show
on one O three point five FM and five sixty AMWVOC.
Good morning, good to have you along on Gary David
and coming up we'll talk about clean breatheablair your home
and your business and a mold inspection and hal Larry
Harris Class Systems can help you out. Jim Stell will
be by the Law Office of James Still. Our topic
this morning not personal defense, but criminal defense. It should

(00:36):
be interesting. That's coming up. Get things kicked off though
this morning with Jeff Howell from Health Markets is our
resident expert on all things when it comes to health insurance. Jeff,
good morning, sir.

Speaker 2 (00:47):
Good morning Gary.

Speaker 1 (00:48):
We uh want to talk about in being somebody who
just by fay, I got my Red and Blue card
and mail the other day, Jeff. For medicare is mind
goes to an effect. I'm June, but for me, I'm
still working in on my employee plan, so I'm just
taking the Part A for now. But you know when
you get to the rest of the parts, when you

(01:11):
don't have that group coverage through your employer and you've
hit the age of sixty five, then you know the
Part A you get then oh my goodness, if you
go to the regular route, you got what parts c's
and d's and g's and all sorts of parts, and
then you have, well the other option, which is to
go with Medicare advantage plans. And you know, even for
some folks who are on Medicare right now, I guess

(01:33):
there's still a bit of confusion about what the differences
are and maybe what's right or nothing, what's not right
for them?

Speaker 2 (01:39):
That's true. I mean, if someone's been on Medicare for ten, fifteen,
twenty years, every year they know that an open rollman
is coming up around the corner between October fifteenth and
December seventh, when they can make changes. You know, we're
thinking they're thinking, well, I can't make a change now
there's a plan I'm currently on right for me, and
looking to the future, you know, as a future hold.

(02:01):
For example, if they're on a Medicare supplement plan, they
know that every year they get older that Medicare supplement
is going to go up in price. We've been blessed,
you know, really since the inception of the Prescription Drug
Card program in two thousand and six, is that the
premiums of the drug cards have been fairly low, depend
upon which drug card you select. But in twenty twenty

(02:24):
five with some of the COVID laws going into effect,
and the good news for seniors is that they won't
pay any more in two thousand dollars and copays at
the pharmacies for example, when they go to you know,
my pharmacy and Optical or Riley's Drugs or CBS wherever
they go, when they're paying their copays of the counter,
they'll pay no more than two thousand dollars. Which that's

(02:44):
a law that's going to help with the counter That's great.
An annual cap, right, yeah, an annual cap, yes, sir, absolutely,
And that's the first time that we've had something like that.
But what we worry about as insurance agents is that
what is that going to do to drug card premiums
Because if the insurance companies are taking on a lot
of that overage over the two thousand dollars in costs,

(03:08):
then that will probably be passed down the consumer as
far as monthly premium.

Speaker 1 (03:14):
So this is not a case where the government biotaxpayers
is picking up the rest of the tab. This is
a cost that the pharmaceutical company is going to have
to eat right.

Speaker 2 (03:25):
More specifically, the insurance companies companies. Okay, so interesting enough,
the pharmaceutical companies, we're not giving a very large percentage
of the liability over that two thousand dollars in costs.
The insurance companies were given the bulk of that percentage.
So of course it's the insurance companies that bill you
every month for the monthly premium to have the drug card.

(03:48):
And then of course I only say why do I
need a drug card? Well, part of that initial law
in two thousand and six for the prescription drugs is
that you do not have a prescription drug card or
credible coverage through your employer like you would have. But
if you do not have a prescription drug card, you
will be penalized. So everyone had a prescription drug card now,

(04:08):
and it's really not that big a deal. I mean,
we have prescription drug cards out there. They are fifty
cents a month, so having a drug card is really
you know, it is not that burdensome premium wise right
now for most people. There are some people who take
more expensive drugs who need a higher price a prescription
drug card, and their drug card might be over one

(04:29):
hundred dollars a month. Now, say, however, in twenty twenty five,
that one hundred dollars a month plus premium could be
the norm, not the exception. So you're saying, okay, So
now if you're say seventy years old, and you've been
on a Medicare supplement since you were sixty five, and
you've been on a drug card, and maybe you're paying

(04:49):
one hundred and ninety dollars for your supplement, now you're
paying fifty cents for your drug card. Now if your
drug card goes up to to throughout an easy number
for math hundred dollars a month, Now you've got from
one to ninety and fifty cents to two hundred and
ninety dollars a month. That may make a lot of
people look a little more close to Medicare advantage come

(05:12):
this open enrollment season in October. So it's good to
start preparing and start realizing. You know, what is Medicare advantage?
Is that an option for someone who's currently on a
Medicare supplement and.

Speaker 1 (05:25):
Drug cart right right, and again you're talking about seventy
seventy two, seventy five years old, you're more than likely
on a fixed income and you know it comes to one
hundred bucks a month that you weren't expecting.

Speaker 2 (05:37):
That's correct, that's correct, and so and that's pushed a
lot of people to Medicare advantage. And you know, there's
a lot of fear about Medicare advantage because when it
first came out in two thousand and six, most of
the Medicare advantage plans were HMOs. And no one likes
an HMO because an HMO means you have to go
to this particular doctor, and if you have to go

(05:58):
to a specialist, you need to refer all from that
doctor to go to this particular specialist, to go to
this particular hospital. It's very restrictive. However, Medicare Advantage plans
that I sell are all PPOs, meaning you can go
anywhere that takes Medicare. It does have a network, and
so you definitely get lower costs when you go in network.
For example, if you've got a Blue Cross Medicare Advantage PPO,

(06:22):
every hospital in the state the networks. You can go
to Lexington, you can go to Prismo, you can go
to musc and Charleston. You know, you can go where
you want to and you can even go out of state.
So if they're in network, you'll get the same low
costs in Colorado that you get at Lexa Medical Center.
If they're out of network, you can still go to
that doctor in Colorado, you just might pay a higher copay. So,

(06:46):
you know, a lot of the fears about HMOs and
Medicare advantage, You know, I can lay or put those
fears to rest when I meet with people and talk
to them about Medicare advantage and see if it's the
right fit for them.

Speaker 1 (07:01):
And I guess I think you've told us before, Jeff,
that in the last couple of years, the number of
people on these advantage plans is now more than those
who are on supplements, or right at about the same number.

Speaker 2 (07:15):
Is that right, it's a percentage, that's correct, that's correct.
You know, in twenty twenty two to the last year,
we have data from more seniors purchased Medicare advantage plans
than Medicare supplement plans. So Medicare seplins had always been
on top, you know, until twenty two, And I'm and
I can say with competence that twenty three will be

(07:37):
even more so when that data comes out that Medicare advantage.
More Medicare advantage plans were sold to Medicare supplements, And
a lot of reasons for that is that Medicare advantage
plans have zero premium, right. And the second reason is
they provide extra benefits like three thousand dollars in dental benefits,
some vision benefits, three pair of glasses, hearing a discounts, memberships,

(08:01):
flex cards that's the carding take to a grocery store
or CBS and get food and over the counter like
vitamins or toothpaste, things like that. So they provide a
lot of value. Now, of course, with anything in life,
there is a give and a take, right, Well, okay,
zero premium, you get all this extra stuff.

Speaker 1 (08:23):
Well part of the SynCon me. But you know when
I first and I guess maybe one of the big
reasons for the boom in these is that, I mean,
let's face it, insurance companies have been advertising the heck
out of these for a while now. Uh you know,
I mean you can't spit without hitting one of those ads.
But yeah, I mean the senec in me says, hmm,

(08:45):
I don't pay you anything, I get all this stuff.
What's the catch?

Speaker 2 (08:49):
Yes, And so the catches is that there's higher risk. So,
for example, if you're on a standard or the most
popular Medicare supplement plan. Now the plan G where your
only risk health wise is the part be deductible, which
is two hundred and forty dollars. So if someone turned
sixty five in June and I write them a Plan
G for June first, the first time they go to

(09:12):
a doctor or urgent care emergency room, or the first
time they receive medical treatment after June one, they'll be
billed that two hundred and forty dollars. Then they're done
for the year. They're one hundred percent covered. That person
has been a coma all summer, wake up on Labor Day,
and they owe nothing right because they already pay that
two hundred four dollars deductible, so their risk is very low.

(09:32):
Whereas on the Medicare advantage plans, you know, the max
amount of pockets could be anywhere from five thousand to
eleven thousand dollars, depend upon what plan you choose. Now
I will say that that's not a deductible. You just
pay small copays along the way, and if those copays
ever added up to that five thousand then you would

(09:53):
be died at the five thousand if that's your max
out of pocket on that particular plan. So sometimes people
get confuse. They're like, I don't want to pay the
first five thousand, you wouldn't, So like on mostly Medicare
advantage plans, you get your primary doctor who pay a
zero or ten dollars cope. You go a specialist, you'll
pay a fifteen or thirty five dollars cope, So you
have small cope. The MRI is one hundred and fifty

(10:15):
night in the hospital, three hundred fifty dollars a night
the first five nights. Things like that, they're very delineated
on the copas that you paid. But if you had
a very bad year, but certainly that risk is out there.
But the Medicare advantage studies showed that less than one
percent of people on Medicare advantage plans hit their MAXI
amount of pocket. So you have to have a really

(10:36):
bad year to hit your max out of pocket on
this plane.

Speaker 1 (10:38):
Well, the ironic thing about this, Jeff, seems to me
that all right, so folks who could most afford to
take the risk under an advantage plan of having to
come out of pocket you know, five ten thousand dollars
or what have you in a calary year. Are the
same folks who probably are in a financial situation to
best afford to stay on a supplement planned and pay
the money each month and not take the rest.

Speaker 2 (11:02):
That's true, and for a lot of those people, that's
the decision. You know, I would you rather just put
money away into a savings account and have that ten
thousand dollars, say, in a savings account every year. So
if you had a bad year, or if you have
twenty thousand in an account, if you have a bad year,
then that money's in your account and it's growing interest.

(11:22):
That's your money, right. Or do you want to mail
off a check to an insurance company for a supplement
and a drug card and once you mail those checks
the insurance company every month, they're not coming That money's
not coming back, whether you go to a doctor that
month or not, whether you have a prescription fill that
month or not. That next month the premiums are due again.
So it's just two completely different ways of doing your

(11:44):
Medicare insurance coverage. No wrong or no right, by the way,
and I do not push one or the other. I
just explain the differences and lay out the packs and
talk to a person about their doctors, their medical treatment,
their prescriptions, and they give them an edge had you know,
educate them and they make an educated decision on which
ones which path is right for them.

Speaker 1 (12:06):
Now you mentioned again with the changes in the the
prescription card plan under the supplements, that you could see
your price really go up here over the course of
the next year or so. Now does that not applicable
if you're on an advantage plans that doesn't hit you there.

Speaker 2 (12:23):
It should not hit as much because Medicare advantage plans
have so much else going on as far as money
that received from the government for people who are on
those Medicare advantage plans, for the healthcare and for the
prescription drugs. Could you could see in the Medicare advantage
plans maybe the benefits not growing as much, such as

(12:45):
a dental or the vision of the hearing, you know,
some of those benefits being pulled back or maybe capped.
You know a lot of time, you know, over the years,
we've seen dental go from five hundred benefits two a
thousand to two thousand to three thousand. So maybe next
year they don't go to fourth thousand, right, maybe they're
capped or there, or they're lowered, you know, so maybe
we see effects in the Medicare advantage plan that way. Internally,

(13:08):
I do not think we're going to see much effect
on the premium, So I think that's going to stay
you know, zero to you know thirty, you know, somewhere
under thirty dollars, certainly on the Medicare advantage side. So
every state has different Medicare advantage plans, and you can
have a different Medicare advantage plan available to you buy county,
So it drills down to buy county, not only just

(13:30):
by state. So what zip code you live in and
what county you live in matter greatly is to what
Medicare advantage plans available to you.

Speaker 1 (13:37):
Is that based on the number of people that are
actually on advantage plans in those counties or.

Speaker 2 (13:41):
That's a factor. Certainly people in Florida have the best
Medicare advantage plans available to them because it's most popular
in Florida. I mean, they're the Medicare advantage taken right
in Florida, I think is around eighty five percent. Really wow,
so's it's huge in Florida.

Speaker 1 (13:58):
Okay, Well, lots of questions to ask, and the guy
the answers has been with us for the last seventeen minutes,
Jeff Howl of Health Markets. And if you'd like to
sit down with Jeff and discuss the options, you can
do that. How the folks get a hold of you.

Speaker 2 (14:11):
My friend, You can give me a call or text
my number at eight zero three six seven eight eight
one two one. My website is my name Jeffhowell dot
com Jeff Hwle dot com.

Speaker 1 (14:23):
All right, thank you, Jeff, appreciate you, buddy.

Speaker 2 (14:25):
Thank you. Garry.

Speaker 3 (14:26):
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Speaker 1 (14:32):
Here's what I mean.

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(14:57):
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Speaker 4 (15:25):
The hunt for quality insurance is more important than ever,
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whether health or medicare insurance, Let the experts guide you
toward ease of mind at a healthier future. And who
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(15:46):
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
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Speaker 5 (15:58):
You're looking for.

Speaker 4 (16:00):
So, whether you're self employed or in a small business,
an individual or seeking a family plan, they have you
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Health markets at eight o three six seven eight eight
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(16:23):
right insurance for you.

Speaker 1 (16:36):
And we're back and we welcome into the studio now
Larry Harris from Classic Systems. Good morning, Larry, how are
your brother?

Speaker 6 (16:43):
A good morning Gary. It's a blessing to be here.

Speaker 1 (16:46):
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, more of this
stuff just bothers us. Well, this stuff in the.

Speaker 6 (16:56):
Air, there's so much allergy triggering irritants everywhere. During this
time of the year, tree pollen and grass pollen is
very high.

Speaker 1 (17:06):
But we don't see the yellow stuff all over the
place that we assume that all that's over with, but.

Speaker 6 (17:10):
Tally has a lot of flower pollen, this garment. One
of the problems is there's so many allergy triggering irritants
in an environment, whether 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 a

(17:33):
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 percent

(17:53):
of the dust out of your environment. So that's why
we call this the natural solution to endo our pollution.
And we can let a family or an office or
anyone try the product for three days under no obligation.
If they like it, they can buy it again.

Speaker 1 (18:11):
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 pauling.

Speaker 6 (18:23):
Airborne mold is a serious allergy triggering irritant, and they're
different types of mold. The most deadly mold is called
stackyboxris aftra that killed ten three month old infants in
ninety nine in Cleveland, Ohio. So the secret to this
is doing air testing and if we do an air

(18:43):
test in the am, we can have the lab report
back that afternoon to identify all does that involve doing well?
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
withindoor air. If the air inside is worse than outdoor,

(19:04):
then we know we've got an airborne problem.

Speaker 1 (19:08):
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 6 (19:16):
Absolutely, because anytime you open an outside door, you're letting
that outside air come into your home.

Speaker 1 (19:23):
All right, Nobody to not open the door, is there,
Although it seems like we tried back in the Carter years.
He didn't tell us we could open the door, but
a lot something changed back then.

Speaker 6 (19:35):
Well back then, there are other issues. Absolutely, 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 aldehyde up

(19:58):
to ten years.

Speaker 1 (19:59):
Really yeah, for a lot of people use paneling anymore,
but boy in the seventies, well.

Speaker 6 (20:04):
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 (20:17):
And there's a lot of a lot of 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 6 (20:31):
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 the
shadow of doubt, if you have an airborne problem inside
of your environment where there's an officer 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,

(20:53):
and there are protocols that we use that will correct
the problem.

Speaker 1 (20:58):
How many different methods do you have then, what is
it depends on what to use this method versus that method,
or what have.

Speaker 6 (21:05):
You 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 colleges that have bought these for dorm
rooms to eradicate microbial growth or mole growth, and it's

(21:28):
very effective. 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 (21:46):
And I kicked myself because last weekend we 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 five star motel eight. So
I wish, well, I guys, I should have brought. You
don't know when you travel, you don't know what you can.

Speaker 6 (22:06):
Encounter 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
Pierre 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

(22:27):
to do fifteen hundred square feet.

Speaker 1 (22:29):
Yeah, we had we use that in the home run
now is a little bigger than the home, well quite
a bit figured than we were in before. But I
would tell you that fifteen hundred just it took care
of the whole house, which is 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,

(22:51):
through walls, through everything, which is confusing to me.

Speaker 6 (22:55):
Well, the benefit of that is it creates these six
thousand negative eye on sper 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
war walls, the doors, under beds, under soface, wherever there's
particles floating. We put a negative and positive charge on

(23:17):
it makes all the particles clump together, get heavy in
sebtle out of the air. Then the ozone will oxidize
eighty percent of the dust out of the environment.

Speaker 1 (23:27):
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 6 (23:41):
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 mold. So they rented from us
an ozone device and they used it overnight and all

(24:04):
the mold was gone the next morning. So we've had
a lot of dealers that have rented these air pure
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 air

(24:25):
pure fire for overnight and it eradicated all the fish
odor out of that car and it was gone.

Speaker 1 (24:31):
That's crazy. Wow. Wow, that's what it could do in
your home. Huh.

Speaker 6 (24:35):
So anytime you've got dogs or cats. We had one
client that had four parrots, two dogs, and two cats.
You can imagine what they had in their environment airborne.
So they tried one of the larger air purefiers and
in twenty four hours all the odors were gone. So

(24:57):
that's successful.

Speaker 1 (24:59):
You mentioned your airborne mold now, and I guess us, lay, folks,
you may you may see mold, you may not see
mold and still have 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 6 (25:20):
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, it blows it
out into the environment. And that's actually what happened in Cleveland,
Ohio in ninety nine when ten infants died from stachybotros

(25:43):
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

(26:05):
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 (26:19):
I've been told you couldn't set me straight on this
that a good portion of the air inside your home
is coming from underneath your home.

Speaker 6 (26:30):
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 vault, the plate is

(26:52):
the two by four that lays float on that drill
a hole through that and not insulate it. Run pipes
through there owing flights and also electrical wiring, and they
wouldn't insulate that hole. So that's an open access from
air and the crawl space to come right up into
your home. Now, think they're a little more efficient in
insulating those holes, but if they haven't, then some of

(27:15):
that air can certainly breach the integrity of the inside down.

Speaker 1 (27:18):
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 there
in the summer that it is, right, but still it
can get hot, it can get warm, and it's many
times as moist absolutely, and that's a recipe for some disaster,

(27:39):
right absolutely.

Speaker 6 (27:39):
We actually did an inspection of a home maybe fifteen
years ago that had some moisture in the crawl 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 open up into underneath the
cabinets of the sink in other areas, so all that

(28:02):
air was coming right up into the breath of lat space.

Speaker 1 (28:05):
So let's say you got mold, you go out, and
sometimes I guess it's real simple for you. You know,
you show 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 6 (28:20):
Yes, we do. We have a protocol where we can
take that remove the mold. The first thing you got
to do is you got to find out where the
morsh 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 (28:39):
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 6 (28:48):
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.

(29:09):
So the first thing that we have to do is
identify where the morsture 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

(29:32):
other protocols to remediate that, but that dehumidifiers the most
effective way with the air movers.

Speaker 1 (29:40):
If you've got if you go down into your cast
space and you happen to see that there are you know,
they are you know two by fours down there that
have visual mold on them, or sometimes well I guess
you may have turned up whatever you see parts missing.

(30:02):
You know that's not mold. But I mean it's a
the remediation of something like that, is it the same thing?

Speaker 6 (30:09):
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 mold
to grow. Now, we've inspected a lot of homes in
Latin County in a cross space and they had visible
mole because of the relative humidity, and so the protocol

(30:30):
there is to make sure the moisture is evacuated properly
and then you can remove that mole. You 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

(30:51):
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 (30:58):
I just wonder, I mean, gosh, 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.

Speaker 6 (31:12):
That's correct. And if you don't look, you don't know.
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 Trunham Road that had
due to that flood in fifteen the dams broke and
there were so many houses out there that we did remediation,

(31:34):
removed a sheet rock and dried it out properly and
then we eradicated the mold.

Speaker 1 (31:40):
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.

Speaker 6 (31:48):
Absolutely not.

Speaker 1 (31:49):
There are ways that you methods that you use to
make it as painless as possible. I guess absolutely.

Speaker 6 (31:57):
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

(32:19):
we can identify if there is a problem. 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 (32:36):
So get it tested right if it needs to be,
get it remediated, and then finish it off with the
pure air systems right. Phenomenal.

Speaker 6 (32:43):
Yeah, the air pure fowers are so effective to clean
the air. And it's not a filter, it's filter's 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 suit clean and fresh after a thunderstorm.

Speaker 1 (33:04):
Yeah, so you get it's one stop shopping here with
classic system, so you can get it all taken care
of in one fell swoop with this correct.

Speaker 6 (33:10):
That's correct. It's literally the natural solution to indoor air pollution.

Speaker 1 (33:15):
All right, Folks want to get a hold of you
and get an estimately, get you out to it to
check out the air and then come up provide the solutions.
What's the best way to reach you, my friend?

Speaker 6 (33:24):
They can call me at eight oh three six two
six two seven four eight. Aight oh 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 (33:37):
Absolutely or check you out online at try.

Speaker 6 (33:39):
Fresh Air out try is try fresh AirNow dot com.

Speaker 1 (33:43):
All right, Larry, good to see you bout it.

Speaker 6 (33:44):
Always a pleasure, Thank you.

Speaker 4 (33:46):
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Speaker 6 (34:46):
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

(35:08):
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

(35:29):
have any airborne issues in your home. This is Larry
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seven four eight eight three six two six two seven
four eight.

Speaker 1 (35:47):
Hey, we're back now on the Health and Weller Show
on what three point five FM and five sixty am WVS.
Here is our Saturday morning with you. Our state comes
close to an end. We're going to spend some time
and talk to uh, my friend and your And that's
kind of weird because you know Jim Jim Snell is here,
loss of James Nell. You know you can be your
friend too, but you know he's taying you got to

(36:07):
hire a lawyer. That's we don't want you to be
in a position where you got to I guess is
what I'm saying, right, But if you do, you know
this is the guy.

Speaker 5 (36:15):
I suggest I'm like a mortician in that regard, right,
Not not quite that right, you know, not quite.

Speaker 1 (36:25):
To that point. But but but hey, you know that's
the thing because you you just never know that's right.

Speaker 5 (36:32):
That No, that's that's that's right. And you know it's it's.

Speaker 1 (36:37):
You're minded your own business, you know, doing your own thing,
and and something happens, Yes, somebody has done something to you,
maybe you've uh unintentionally done something to somebody or whatever,
and you're gonna need some legal advice.

Speaker 5 (36:52):
No, and and and you know, and and always kind
of like to to remind myself. You know, people are
are involuntarily thrust into this world. You know, nobody nobody
wakes up and says, well, gosh, you know, I hope
today I you know, I get involved in some you know,

(37:12):
I get hurt in some accident or you know, just
some kind of tragedy, you know, travesty befalls my family.
Uh So, nobody picks this right right, right, And and
you've said before you yourself that you know most of
it when it comes to personal injury law.

Speaker 1 (37:29):
You know, really it'd be most people wishuld I just
wish it it never happened to begin with. You may
get us you know, you'll get a settlement, you'll get
some money and this and that. But you know, most
by most of your clients, the generals insas, I just
wish it never happened.

Speaker 5 (37:46):
Yeah, absolutely, And I'll also say this in in in
the world of personal injury, you know, you know you
see advertising, you know, from different law offices and lawyers. Gosh,
you're so much advertising.

Speaker 1 (38:00):
Oh my goodness, crazy. And but you know you see,
if you stop attorneys advertising and pharmaceutical advertising right now,
TV stations go out of business.

Speaker 5 (38:08):
Yes, right, yes, And I think this is actually I
think I think we might be the only country in
the world that has pharmaceutical companies advertised directly to consumers.
I'm not aware of any other. I think I think
I saw that because you know, it's not allowed, and

(38:28):
here it's it's like a I mean, it's significant, you know,
effort by the pharma school companies to notify consumers.

Speaker 1 (38:38):
Of different drugs. But that's right, yeah, well, though there
are those conspiracy theories out there. That's also something else.
It's to keep you know, media from really looking hard
at what they're doing. Pharmaceutical companies. But that's a whole
other conspiracy that's entirely possible. You know, you just you
build a protective mode of advertising dollars. Yeah, right, and
people you wouldn't realiz is it today? If you do,

(39:01):
if you're a I guess maybe under what thirty thirty
five years old? Maybe something like that. There was a
time when advertising in our state for attorneys wasn't allowed. Yeah,
it wasn't.

Speaker 5 (39:12):
Actually it wasn't actually allowed anywhere, okay, and and then
that when that changed. But it's been it's been you know, Gosha,
and you know, I can, I can. I can deal
with research on the on the on the dates, and
there's actually actually we'll have do a whole show on
that because it's a really interesting story behind the progression

(39:33):
of how that became allowed and how First Amendment, you know,
protections for speech were argued and used with the courts
to allow not only lawyers to advertise. But as part

(39:57):
of that was I think it was a really sickn
dinificant case involving I believe it was a drug store
to advertise pricing information, and the whole show on it.
But I remember the kind of the court analysis was
you have not only a right to speak, but the

(40:17):
public has a right to hear. And but okay, going
going on a topic of advertising, Yeah, let's talk about that.
Move on. But I've got lawyer Hugh Rogers in my building.
He's been practicing since nineteen fifty three. He's yep, ninety
four and comes in everyday right as sharp as ever.

(40:41):
But I've talked to him about that, right and one
thing he just you know, kind of shared with me
that back when lawyers were not allowed by you know,
state bar regulations to run ads, one way one method
that lawyers would kind of get their name out was
running for political law office. Right, so you run for

(41:02):
office and then you get to go around and put
signs up, you know, you know John Smith, this, you
know whatever, So people get named familiarity. Uh, And that
was that was the side benefits The lawyers would sometimes
run for office, not necessarily because they wanted the office,
but because they wanted to be to put up, you know,
five hundred signs around town with a name on it.

(41:25):
And but I'm gonna go back saw the advertising. I
just what I was getting at is, you know, you
see these some of you see advertisements where they talk
about you know, these big numbers, you know, million dollars,
five million, whatever, And I just one thing I just
also think about is when you have, you know, the

(41:46):
really significant injuries that result in those kind of payouts,
the money is it is still never worth it.

Speaker 1 (41:54):
There's egregious damage, doesn't great to get.

Speaker 5 (41:56):
It, you know, it's I mean even you know, you know,
you resolve a claim for somebody for you know, in
the millions, what they've been through, what they've lost. I
don't think I've ever had anybody on a significant claim
that has ever shared with me well, you know, gosh,

(42:17):
I do it again.

Speaker 1 (42:18):
Glad. It's so glad this happened, you know so.

Speaker 5 (42:22):
And that's the thing. So it's a it's an you
don't choose to have it happen. You're thrust into this world.
The legal system can't, you know, help somebody travel back
in time prevent the wrong from happening. The only currency,
I guess, or the only only thing the legal system

(42:43):
has is money, and just the money is just even
when it's fair, it's never it's never worth it for
somebody that's you know, gone through a horrible accident and
lost a family member or something else.

Speaker 1 (42:59):
So one more question about the advertising part of Yes,
why do you not see advertisements for attorneys for anything
other than personal injury law?

Speaker 5 (43:13):
And you know there and I don't think you don't
see any advertising. I mean all kinds of practice areas
you know, have websites and you know. But but yeah, okay,
So you know, when you think about the main practice

(43:33):
areas that consumers, I'm gonna call it just private people
hire lawyers for right. You obviously got personal injury. You
have criminal defense, uh, family court like divorces right, and
custody cases, estate planning or probate right. And you know,

(43:58):
and I guess, I guess to some degree some lesser degree.
You know, there's civil litigation. You know, people hire a
lawyer to help them because you know, they the contractor
didn't build the debt correctly or or something right.

Speaker 1 (44:14):
Okay.

Speaker 5 (44:17):
And really the thing is the when you look at
what the legal fees are that lawyers can charge for,
you know, get paid for different kind of cases, and
then you consider the number of those actual cases or
clients they could hope to get. I mean, the economics
really don't right, So I mean you think think about

(44:42):
what the potential legal fees can be you know, you know,
like for example, my office accepts cases on a contingency
on the injury side, so people hire us if it
is a significant injury and it results in you know,
again a significant amount of money still may not be
in enough to make it worth the experience, but you know,

(45:02):
when it's you know, seven figures or something. I mean,
those fees I mean are also themselves significant. And so
if a lawyer or a law firm, if you can
can get a steady you know, number of those cases,
you can create a pretty good advertising budget to work with.

(45:23):
And so that I mean, the economics work.

Speaker 1 (45:25):
Yeah, it makes sense, It makes sense.

Speaker 5 (45:27):
You know, I did you know I started practicing in
two thousand and four. For the first several years, I
did everything, literally everything, and just you.

Speaker 1 (45:40):
Took out the trash too, didn't you still do still do? Gosh,
you know what, I.

Speaker 5 (45:47):
Bought a block of downtown I mean, I bought an acre,
just a downtown Lexington. Yeah, you know some offices on
My main office is on Harmon Street across from the
Old Mill, and anybody going through Lexington, you know, right
across the old Mill, there's a traffic light, and I've
building set back a little for main street, and I've
got this kind of this green space.

Speaker 1 (46:08):
Out in front. Very nice.

Speaker 5 (46:09):
Gosh, I got I've got those uh you know, we
have to go out and pick up trash. I was
out there the other day with one of those one
of those sticks that you squeeze the handle and you know,
and you know picking up so yeah, gots do that
take out the trash. Uh you know, Uh, I've got
I've got you know, restrooms that my office. And who

(46:31):
do you think uh staff comes to when somebody says
the toilets broke. Oh yeah, yeah, that's some that's the
talks to the boss. Joy of being a business owner, yeah, exactly.

Speaker 1 (46:41):
And people people forget that though, Jim, you know, an
attorney is a business owner. I mean you've got to
be a bit you have to have a good business
head in order to be a successful firm. Yes, uh,
same as a as a Doctor's got to endless now
on coastin Ali with these hospitals. But still we we
forget that it is it is a business us and you.

Speaker 5 (47:01):
Know, oh we got all the other business, all the
you know, and and and all the other things. Any
of the business has to deal with you know, employees, taxes,
you know, uh yeah, just advertising, I mean just I
mean the whole whole thing.

Speaker 1 (47:18):
Right now, your office, you do a lot of personal
injury law, but you also again you do criminal defense
law as well.

Speaker 5 (47:25):
We do, we still do, Yes, we do a significant
number of criminal defense matters, an awful lot of d
u I defense, an awful lot of domestic violence defense.
And uh, you know, going at this, uh at modern

(47:46):
times with technology, the I'm gonna call it internet crimes
is becoming more and more significant where people you know,
get charged for you know, a legal pictures or you
know illegal just activities online. You know, you know Alan

(48:07):
Wilson at the Attorney General's office, you know, they think
majority of those cases around the state. So and yeah,
and I was gonna say one one thing's kind of
and doing this. I've been a couple of years now
years doing this program with you on the on the
personal injury side, right, I mean, there is a lot

(48:27):
of law. There's a lot of very technical, kind of
in the weeds stuff that you could talk about. But
you know, really people that are injured or are have cases,
I mean, frankly, I don't know how interested they are
in talking about that, you know, like a law student
or somebody or other lawyers can get really interested in

(48:50):
getting in the weeds.

Speaker 1 (48:53):
You know.

Speaker 5 (48:53):
This is why you see the typical messaging in the
advertising being you know, free consultations, no money up front,
and you know, and examples of of verdicts are settlement awards,
you know, just kind of bullet points stuff, which of course,
you know, that's why I always mentioned on this program
free consultations and and this and that I will tell

(49:15):
on the criminal defense side, when when people have say
a d u I for example, which is one of
the most you know a lot of the UI cases, unfortunately,
people are very interested in the law and the legal
process and the procedures. Yes they are, and they and
they really they are very interested in in learning as

(49:40):
much as they can about all of it, right, So
you know that's that's that's when we talk about those topics,
you know, like for a DUI for example, you know,
people are really interested in exactly what the statute said,
as they're exactly interested in how do you how do

(50:03):
you how do you what's the mechanism to get the
copy of the police officers video recordings? You know, almost
all of them now have body cam footage, dash can footage.
People do police do frequently what are called field sobriety
tests where they look in people's eyes and have them
walk a straight line. How do those tests? How are
they conducted? How are they scored? And people are really

(50:27):
interested in that minutia. And I just always think it's interesting,
you know, because that's those are Again, there's just as
much I'm gonna call it legal technicalities on the injury side,
but maybe maye it's the fact that stuff's sill on TV,
you know. I mean, everybody's got experience from criminal system

(50:48):
from television shows and movies.

Speaker 1 (50:49):
And all right, and you're thinking, yeah, it's all gonna
go like that bang bang bang bang bang, and and
it doesn't.

Speaker 5 (50:55):
And I just, yeah, I don't know how many people
are interested in in, uh, you know, the the minutia
of how you resolve a medicare leene after you settle
a case. You know, I don't.

Speaker 1 (51:05):
But this is why there's no personal injury law to
defense attorney shows on network TV.

Speaker 5 (51:11):
Right, And if they and if they do and if
and if they do, it's all about them having you know,
different you know, romances and scandals. Yeah, just you know,
all kinds of other dramatic events, you know, but yeah,
I just fall fall back. I just I'll say this.
You know we're we're criminal offenses. Is is still very

(51:31):
significant for us. Same thing it's free consultations, you know,
kind of kind of standard advice on the front end
is it's always recommending people are accused of a crime
or you're under you know, people are an investigation. Just
don't make any statements, don't talk, go see a lawyer,
and don't do anything until you know, uh uh, you
know a lawyer that you know, you're trusting, you know,

(51:53):
advises you what to do.

Speaker 1 (51:55):
You know, just.

Speaker 5 (51:58):
You can't. You know, really, the odds of you improving
that situation about talking are vastly outweighed by the odds
of digging hole deeper no matter what. So same thing,
people arrested and.

Speaker 1 (52:11):
You're saying you want to talk to lawyers, know some
kind of admission of any kind of guilt.

Speaker 5 (52:15):
None now not a mission guilt, and that that can't
be used against you at all. And the best thing
the world people can do is just when they find
out they're under investigation or they've been accused is just
immediately go see a lawyer, and there's so much help
that can be obtained on the front end. Early involvement
by a lawyer can oftentimes be very critical to getting

(52:37):
the best outcome early intervention.

Speaker 1 (52:39):
Yes, all right, Jim. How to folks get a hold
of you regardless of their legal need? All right?

Speaker 5 (52:44):
Give us a call. Phone number is eight zero three
three five nine three three zero one, or they can
visit us online at Snell Law dot com three ls
Snell Law dot com.

Speaker 1 (52:57):
All right, Jim, have a good weekend, buddy, Thank you.
Always good to see. It's wrap it up for this
edition of the Health and Wellness Show on one O
three point five FM and five sixty AMWVOC. 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 office
is in Lexington and Columbia,