Health and Wellness Show 07-05-25

Episode Transcript

Speaker 1 (00:01):
Now The Health of them All a show on one
of three point five FM and five sixty AM WOC.
Gary David, Good to have you this weekend coming up
Mad Lions Carefree Boat Clubs out of Lake Murry's gonna
drop by say Hire this Independence Day weekend. They're busy
out there. Classic Systems owner Larry Harris will be by
and we get things rolling on this day after Independence
Day with John Frawley and Matthew Terry from Preservation Specialist.

Speaker 2 (00:25):
Morning guys, Morning Gary, Hey, Good morning Gary.

Speaker 1 (00:28):
We're two hundred and fifty years old, man, and a
day I'm feeling it.

Speaker 3 (00:33):
You ever have you ever been to the Independence Hall
in Philadelphia?

Speaker 1 (00:37):
Yes, I have it. It's a long, long, long time ago.

Speaker 3 (00:39):
Yeah, but that man, that really you go in there
and you feel it, don't.

Speaker 1 (00:43):
You go to that room where they signed the Declaration
of Independence and you it's like everything else in life,
you think, well, this is this. You get there like wow,
this is man, Okay, this is not what I thought
it would be.

Speaker 3 (00:55):
Right, But it does give you chills, It really does,
because you know where this's the the living experiment that's
gone for two hundred you know, a little less than
tw hundred and fifty years yeah, yeah.

Speaker 1 (01:05):
Yeah, well two hundred yeah.

Speaker 3 (01:06):
Well now that it's by the time it got established
in every yeah exactly.

Speaker 1 (01:09):
Yeah. So what better time to talk about independence than
right now? Huh yeah? And financial independence, right, which is
something everyone wants. Yeah, And I don't know, guys, I
mean I see these reports from time to time about
you know, how many people have either nothing set aside
or nowhere close to enough. I don't know what's the

(01:31):
you know, you think about a four to one K balance,
and I think the average for rolling K balance in
this country is, you know, less than one hundred and
fifty thousand dollars.

Speaker 3 (01:39):
Yeah, it's not that much. Yeah, yeah, I mean that
doesn't go very far on that right.

Speaker 1 (01:43):
Yeah. Social security, I mean we I think I've been
here since I started working, and I've been working for
a long time that it's at risk. We still hear that.
Are we any closer to actually being at risk? I
mean you want to roll them dice?

Speaker 3 (02:00):
Yeah?

Speaker 1 (02:00):
Yeah, you know. Uh, so let's talk today about about
financial independence, how we can get there, and how you
guys at preservation specialists help folks get there every day.

Speaker 3 (02:12):
Yeah, I think I think the thing is you know
a lot of folks and and and we can we can, uh,
with a short meeting, we can give you a sense
of where you are. So you know, what we try
to do is we try to give people peace of
mind so that they can retire with confidence and do
the things that they want to do in retirement and say, okay,
I am good. There's a there's a there's a big

(02:36):
you know, we discussed this, uh, you know, off and on.
Is that people, you know when you talk about we
use this analogy when when people climb up mountains, you know,
Everest and Kilimanjaro and these different places, the majority of
the accidents and deaths happen on the way down, not
on the way up, because people are so focused on climbing.

(02:58):
And that also happens to be similar in the retirement
situation that if you look at basically a retiree, maybe
one out of five have a written retirement plan. You know,
so how are you going to navigate your years of
retirement effectively in a sense climbing down the mountain that
you've saved up for? So how do you take this this?

(03:19):
You know, many people have spent many years of their
life with the blinders on save safe, save and done
excellent job. And the question is now, where are you right?
And so when you talk about retirement, there are two
worst case scenarios. One is running out of money. That's
that's fast, right, And in fact, as we've talked about,
you know, the number one fear of retirees is not death,

(03:42):
it's run out of money, you know, and I get
it right. But the second one is that you're you know,
you're sometime you're in your nineties, and you have a
pile of money that you could have spent doing some
of the things that you would have wanted to do
when you had the health and the energy to do it.
So the idea is being able to navigate that appropriate
and we can help you do that. And we're not

(04:03):
the only ones that can help you do that, but
we can help you do that. And so we we
have a pretty elaborate software that that is able to
account for everything that happens in one's retirement. And certainly
there are some assumptions in terms of, okay, how much
we're going to make in terms of our investments, and
what type of investments are we going to be in,
and these sort of things, and what's inflation going to
be and so on, but we can we can sit

(04:25):
down and give you that peace of mind. And also,
speaking of independence, one of the things about our firm,
and again we're not the only one, but we we
advocate for independence. So we are a small, private, independent firm,
locally owned right, so we are not beholden to whatever
our parent company offers. We are able and licensed to

(04:46):
go to anything that we believe is in the is
the best that's out there, and we do that so
so we you know, we feel very strongly about being independent,
so that we can never be sub to a parent
company that says you have these five investments that you
need to focus on, and you have quotas, or you

(05:07):
have these specific annuities that you need to do and
you have quotas, or you have these CDs and you
have you know, all of these things. We can do
all of it, any of it, and we can put
it in any amount, any percentage, anything to get a
custom plan for you.

Speaker 1 (05:22):
That's what it amounts to, Matthew. Let's talk about all
the things you can offer and you can do, because
some of them may be maybe eye opening too some people.
The sources of investments places that as you can park
your money, you know, and try to achieve that independence
and maintain it.

Speaker 4 (05:38):
Yeah.

Speaker 5 (05:38):
Absolutely, So as clients come in and they sit down
with us, we really talk about building them a custom
built retirement review. So that's a five step planning process
that we're going to teach them about and walk them
through so that way they can have that peace of
mind and retire with confidence. So you know, like John mentioned,
people climbing that mountain, really everyone focuses most of their

(06:02):
energy on investments, right, what is their account balance? What
is that total up to be? And that's really where
they spend most of their time thinking about. Sure, But
the reality is that's just one of the five areas
that we help our clients in. Whatever you reach retirement,
we really want to spend a lot of time detailing
out your income plan, so we want to provide you

(06:24):
a written income plan. We also want to make sure
that we're taking into an account taxes and developing a
optimized withdrawal strategy because you know, we all have to
pay taxes.

Speaker 4 (06:36):
Right.

Speaker 5 (06:36):
If we put money into a traditional four one K
while we were working, well, there's an IOU attached to it.
We know that in the future, once we make a
withdrawal out of that account, we do have to pay
Uncle Sam his portion of the taxes ZTE and that
is what it is. But we want to make sure
that we're being thoughtful about that approach. We want to
make sure that we're being thoughtful on you know, just

(06:57):
where we take money out from which account and when.
We also want to help you with insurance. You know,
whether or not you need life insurance, whether or not
you need long term care insurance. And that is the
biggest way that we really help clients. We help navigate
those waters depending upon longevity, right depending upon your other

(07:19):
family members kind of kind of what are the end
of their life look like. Of course, we don't have
that crystal ball. We don't know how you know everything
is gonna going to turn out for you specifically, but
we want to be prepared and we want to create
a plan for that. And then lastly, we want to
make sure that you have an estate plan too, you know,
an estate planned.

Speaker 6 (07:39):
It.

Speaker 4 (07:39):
It is so.

Speaker 5 (07:40):
Important to have that. Oftentimes people just think that as
long as you have a will, as long as you
have a trust, that you're all buttoned up. But the
reality is is that there's so much more goes into
developing that estate plan. And what I mean by that
is really what type of legacy do you want to
leave that can either be a specific dollar amount to

(08:02):
my children or b while I'm living. I would love
to see my children or even grandchildren go to college.
I want to be the person that buys them their
first car. I want to be the person that pays
for their wedding. You know, all of those things that
is memories that you were making today. While you can
see that and you can appreciate that. On the other hand,
some people say, I don't want my family to know

(08:24):
that I have money. I just want to leave them
a pile of money up on my passes surprise, you know.
So there's two ways we just want to uncover. You
know which of those two routes I would say probably
are relevant to you. But that's our job as financial planners.
We want to know any and all of your goals
and we want to help you get there if we can.

Speaker 3 (08:42):
I would sound like a lot of work on your partner,
yah know, we do a fair about yeah, yeah, okay,
But I would also add to the estate part of this,
and this is one of those things too. It's really
important and it's not uncommon that when a parent passes
that the child who you know, own child, whatever, that
things come up. These are emotional things. These have nothing

(09:05):
to do with money, but they translate into money. And
so you can you can see a situation and we've
seen this before where you know, it creates some friction
between the children, you know, like okay, So as the parent,
you have an opportunity to never let that happen. You
lay down what's going to happen in your estate plans

(09:28):
and and there's no discussion. So it's done and so
that it doesn't it doesn't bring rise to any possibility
of any friction between between the children. That's another real
advantage that you have if you put together a proper
estate plan that this thing's done and this person gets this,
this person gets that, and we work with this one guy.

(09:49):
He's fabulous. He puts this, he puts this in this thing.
Anybody who contests it gets nothing right. And his word
is that shuts them up. No, But I and I
mean that in a nice way. The idea is, look
at it's it's hard to lose a parent, it is,
but sometimes that can bring up these emotional things that
tran that that that can spill over into other areas

(10:11):
that we can we can eliminate that and say okay
that and and we've seen that happen where you know,
siblings can have friction that that gets going at that
time and it may take a while to resolve. So
if we can avoid that altogether, that's a really good thing.

Speaker 1 (10:25):
So sad that has to happen, but it happens.

Speaker 4 (10:27):
Yeah, it does.

Speaker 3 (10:28):
I mean, and life is complicated, I mean it really is.
It's the way it is. Yeah, yeah, So yeah.

Speaker 1 (10:34):
Independence you're right, it's gonna when you look at it
from this perspective. I mean, it's you're right, it's more
than just how much money have I got in the account? Again,
we would all, I mean, we all long for the
day where we just ain't got to worry about it anymore. Yeah, yeah,
but I guess truth of the matter is the day
that when that comes, we ain't here anymore anyhow. It

(10:55):
doesn't matter, right, I mean, we're always going to worry
about something, right, Yeah.

Speaker 3 (10:58):
No, you make a point where because sometimes people come
in and really it doesn't matter in some cases what
the number is because there is still a point. And
I can sit there in black and white and I
can show you look at you would have to spend
this much on a monthly basis for twenty five years,
and you still would have, you know, but you got
to show people in black and white where that is,

(11:20):
you know. But yeah, to your point, the concerns are
the same. And I know some people who come in
with with somewhat less than that. They would look at
that and say what right, you know? But but the
idea is to be able to look at it in
black and white and to be able to be just say, okay,
this is where you are now. I will also say
that that when you talk about people in retirement, and

(11:41):
I do this, I talk to folks a lot about
this is once you've gotten there. Frequently it's more about
what's going to make you feel good as opposed to
what's you know, Like, some people say, I have this
much leftover on my mortgage, should I pay it off?
And my first response to them is, well, first when
I do their you know, financial analysis, and then I say, well,
look at you can do either you can pay off
or now what is going to give you more peace
of mind?

Speaker 1 (12:02):
Right? Right?

Speaker 3 (12:03):
That's that's the biggest thing. You've worked hard. I want
you to be as happy and relaxed and peaceful and
doing what you want to do in your retirement as possible.
So here are two options. I can give you the
financial one, But what's going to make you happy?

Speaker 1 (12:16):
Really? You know, I'm just curious. John, You and I
are about the same age. Matthew, you're considerably younger. You
my generation, John grew up a certain way. Matthew, your
generation and the one behind you face a whole different
set of obstacles and challenges than we did well, whether

(12:39):
it's you know, the amount of money you borrowed to
go to school, or the you know, the difficulty in
you know, starting a career and you got Now these days,
you've got more and more folks who are getting married later,
starting to have kids later in life. I mean, I
got a feel that you know, and what the work
you'll be doing in twenty years or so, it may
look a whole lot different than you're doing right now. Yeah,

(13:02):
it's I think that's true.

Speaker 3 (13:04):
Yeah, I mean, I mean you look at you look
at the there are huge changes. I mean I remember, yeah,
I mean, my wife and I have the sucception all
the time with.

Speaker 1 (13:12):
You, and I wanted to worry about this job. We'll
be out of it by that. Okay, Matthew, this is
your problem.

Speaker 3 (13:16):
Yeah, yeah, No, And I would And I will also
point out I find Matthew to be exceptional. And I
have said this to people a number of times, and
I said I would have introduced him to every daughter
I ever had, except he's already spoken for. No. I
think the world of Matthew, and and that is true.
And and I think Matthew is an exception exceptional in
his generation in many many ways. Yeah, because Gary, when

(13:37):
you and I get out of school, we just wanted
the job that was going to pay the bills, you know.
Where it's like, you know, many in the current generation,
it's it's there are different motivations, you know, in that thing.

Speaker 1 (13:46):
But yeah, but these are the folks that you'll be dealing, yes,
twenty years down the road and trying to you know.
It's I just they're gonna be starting later, many of them. Yeah,
they bloomed later, you know, I've been I don't I
don't know what that looks like. Gus, we'll find out.
We'll get there. Huh.

Speaker 5 (14:02):
That's right, Yeah, it's gonna certainly gonna be a little
bit of a different situation more likely than not, like
you said, And the biggest thing that I would say
that maybe the current generation versus previous generations kind of
have is access to information. I mean, it's it's amazing
what the internet allows us. Right, If we're driven enough,
we can go out, we can do a little research

(14:23):
to find some answers to maybe some questions. But obviously
that's one of the biggest things in my approach is
I just want to educate others. What are your options,
how do we get there? What are your goals, what
are you looking to accomplish, and what steps do we
need to take? Now?

Speaker 1 (14:36):
Now you accomplish that curious because yeah, you got the Internet,
then you got that other thing out there.

Speaker 5 (14:43):
Yeah, that's a big black box of artificial intelligence. Yeah,
that's been a main topic, I would say, so far
for the first half of the year for sure.

Speaker 1 (14:52):
Yeah, just wonder how that will impact all of this
as we move down the road. John, You and I man,
we're about the world.

Speaker 3 (15:02):
We're in the back nine, shall we say.

Speaker 1 (15:04):
We're approaching the seventeenth Oh yes, okay, in the meantime.
It's about independence, it's about peace of mind. It is
Preservation Specialist John and Matthew always good to see you both,
and folks want to get set up and sit down
and have a free complimentary first to get together.

Speaker 3 (15:23):
Yeah, it's it's quick, Gary, Ato three nine retire at
Oh three nine retire, no cost, no obligation. We're happy
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to work together from there.

Speaker 1 (15:38):
All right, guys, good to see as always.

Speaker 3 (15:40):
Thanks Gary, Thanks Gary. Hi, this is John Farling. Now
let me ask you. Is your retirement inflation proofd Here's
what I mean. In retirement chances are you run a
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Speaker 1 (15:59):
You inflation proof it.

Speaker 3 (16:01):
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(16:21):
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Speaker 1 (17:41):
Hey, welcome back to the Health and Wellness Show on
one O three point five FMN five sixty AMWVOC. It
is July fourth Independence Day weekend, and you know things
are hot and happening over at Lake Murray and a
guy had missed all of it right now taking some
time to join us this morning against bad lions from
the Carefree Bow Clubs out of Lake Murray. Morning do you, sir?

Speaker 4 (18:02):
Morning sir?

Speaker 1 (18:03):
How you been good? Good? Good good? I guess oh
you got a big weekend last week, the fireworks celebration
out there. Yeah, it's been.

Speaker 4 (18:09):
It's been a busy couple weeks is the best way
to say it. And it's been. It's been fun. Members
have been out, lots of lake activity, lots of fun
going on. We had probably twenty five members out there
watching the fireworks on the boats. Yeah, staying right late
braver souls than me, and me as well, I did
not make it out. I was I was busy keeping

(18:32):
keeping everything afloat if I can use a boating term.
But yeah, I went really well. Everything worked out great,
everyone came back safe, while the boats are still operating
and doing well, so good yep. And now we're in
what I call the last half of the season, so
we're we're through all the really tough parts. Now we
can do some general maintenance on the boats during our

(18:54):
down days, and members can get out a little bit
more easily.

Speaker 1 (19:00):
Water is super warm for.

Speaker 4 (19:01):
Floating around out on saddles and lily pads and all
the fun stuff. And then all the more adventurous members
of the club can take time to learn how to wakesurf,
learn how to wakeboard, learn how to do all the
fun water activities.

Speaker 1 (19:15):
That I'm not going to be more adventurous and younger
than me.

Speaker 4 (19:17):
Absolutely absolutely. Yeah, we have an age limit on that
we don't but people are smart enough to put one
on themselves.

Speaker 1 (19:26):
You didn't make it to this age because you were dumb,
exactly exactly.

Speaker 4 (19:30):
But it's all good and it's a lot of fun
and things are going great. I love this time of year,
once the once the Middle holiday, which is July fourth,
Once that's over, then it's really a good time for
everyone because we've worked out all the operational kinks as
we've grown the business and grown the fleet and everything else.
And we're kind of now I'm not gonna say an autopilot,

(19:51):
but we're really in the fun part of the season.

Speaker 1 (19:53):
Well and again you've been in. For folks who don't know, Matt,
you have now the year three correct of being an
owner of a boat club. You had never you'd been
a member of care Free up in the Chicago Land area.
That is true, but you would. This is not something
you would had ever done before.

Speaker 4 (20:12):
It is not something I aspired to, I wanted to do,
or thought about doing. It just happened to be what
I needed to do in order for my family to
have the type of boat club experience that I wanted
to have that we were used to. So I you know,
if you can't, if you can't get what you want,
then go create it. And that's what we did.

Speaker 1 (20:34):
But I mean the learning curve had to be pretty large.
I mean from from and you know my family we've
been members since season one, uh, and the things worked
out on our end spectacularly, but I'm sure there was
a lot of learning to have to do.

Speaker 4 (20:48):
I would say that the learning curve was great and
it's never ending, so we still learned, like, oh yeah,
that type of boat was the wrong type of boat,
or that size engine was the wrong size engine. Or
maybe we shouldn't let people do crazy goofy things whenever
they want. Maybe we should put some parameters on things
so we we live and learn every day.

Speaker 1 (21:08):
But how your business has grown as a testament to
how good the club is, and it has grown really,
I mean we throw this term out there all the
time loosely exponentially, but it's going exponentially from season one,
this season two, and now to season three, with the
number of locations, the number of boats, the number of members.
I mean, it's just if you'd witnessed that growth like
my family has with your club, you know that you

(21:30):
guys are doing something right.

Speaker 4 (21:31):
Yeah, and it's I have to be honest, I do
get proud of myself and my team and my family
and the care Free brand that we tend to grow
a little more every year, so it's not a you know,
a five ten percent growth it's literally we're almost doubling
the size every year. When we started, we were four boats,

(21:52):
five boats in the water, and that was it. Now
today we're in one location, one location. Today were three locations,
thirty six boats on the water, five wave runners, and
really every variety boat we could find and come up
with is in the fleet right now. And I'm constantly
looking for new and different types of boats to add
to it, just for variety and fun. And if we

(22:13):
make a mistake and buy a boat no one likes,
we get rid of it and replace with another one.

Speaker 1 (22:18):
You got pretty good buying and selling boats.

Speaker 4 (22:20):
You know what. I'm really good at buying him. I'm
not actually very good at selling him that this off season,
that'll have to be my focus because our goal is
never to keep a boat longer than two seasons. So
we have a number of boats that have reached the
end of their second season and we want to roll
out of the fleet and roll new boats in. And
this offseason I expect to also become a new boat

(22:44):
dealer for a fiberglass brand and a pontoon bar. Yeah,
and that way every year we could have a brand
new fleet every year. Oh wow, Yeah, I think it's
it's the right way to go and the right move
for the club. And that way, the few people world
that really want to own a boat, we can help
them out by selling them a boat. What boats we

(23:04):
put on our lot that we don't sell, we'll just
roll into our fleet. So every year the club will
get brand new boats. And I'm excited to make that move,
but I'm gonna wait till probably September to come back
on your show and announce it and where we're going
to be located, what we're going to be doing, and
that way we are going to be able to help
anyone and everyone that wants to get on the lake

(23:26):
any way they want to get on the lake get
on the lake very nice.

Speaker 1 (23:29):
And we should probably throw this out too. You you
throw around words like off season. There's no off seat,
you guys, are you guys run twelve months out of
the year.

Speaker 4 (23:37):
We do. We have boats in the water every month
of the year. And it's a good thing too, because
there's a lot of fishing seasons that are on what
would be the recreational off season. So we have two
really nice bass boats that were new to the fleet
this year. We've got two really nice center consoles that
are new to the fleet this year, and we have

(23:59):
a fishing pond toom boat as well, So we've got
five boats that are specifically geared towards fishing. Because we
realize part of the advantage of being in a boat
club is the variety of boats, and you're gonna you're
gonna pay for a boat you buy or for a
club you join year round, So we want to give
you as much activity year around as we can.

Speaker 1 (24:17):
Right and at times like this weekend, for example, because
of your booking app, folks have lined that are out
right now today and throughout the weekend. UH head those
reservations probably in place for quite some time because you
can do that.

Speaker 4 (24:31):
You can you can reserve I think a year out
if you wanted, but it's not really necessary. Our remember
the boat ratio today is still four members to one boat,
so we have lots of availability, I tell members, and
we help coach members on how to utilize the app
and how to maximize the reservations and so forth. And
we UH afternoons on Saturday or afternoons on holiday tends

(24:53):
to get pretty busy, sure, but a lot of people
won't book the morning, so there's always opportunity to get
out till one o'clock, and then we let every member
know if they've got a boat going out in the
afternoon slot. If it's available before them, we send them
a text on the morning saying, Hey, you know you're
booked on Breezy Barracuda at two o'clock today. It's available
earlier if you want to come early, just let us know.

(25:13):
When I live in a world where a boat sitting
in a dock is not a good thing, right, We're
paying for it regardless, I might as well have people
enjoying it.

Speaker 1 (25:22):
Yep. Now, the Carefree Boat Club, the brand this is,
this is a national brand.

Speaker 4 (25:27):
Correct. We've got right around one hundred and fifty locations,
most of which ninety nine percent in North America. There's
a few in I think there's one in Panama and
one in the Philippines, so there's a few in different countries,
but for the most part, it's about one hundred and
fifty locations throughout the US, and members at the Lake

(25:47):
Murray Club can use locations at use any of the
care Free locations. So if you during the winter season
you want to go down to Florida and hop on
a club down there. I think we've got forty clubs
down there or something like that. We have a few
members that plan their vacations around going to different areas
and just getting on the water in different areas. Tennessee

(26:10):
is not a not a long drive from here. There's
a number of clubs in Atlanta, and we may we
meaning me and my team, may this off season put
a club not too far from within about two and
a half hours where we're at now. So we're investigating
that possibility as well, just because it's it's always been
a dream of mine to get on a different body

(26:31):
of water here in South Carolina.

Speaker 1 (26:33):
I'm just guessing where that might be, what direction we're
talking about, But I'm won't spill any beans here, That's okay.
I don't have any any inside information on this.

Speaker 4 (26:41):
Well, and I hesitate, but I don't really have to hesitate.
The simple fact of the matter is I wanted to
go towards the what is that the north west corner
of the state, where you've got Heartwell, Kiwi and so forth.
That's a beautiful, beautiful, beautiful area, beautiful body of water.
I'd love to be on. Joe Cassie if we could,
But they don't have any marinas there at all. But

(27:04):
I know, yeah, it's supposed to be about the prettiest
lake in the state, one of the prettiest in the country,
and I want to go there and check it out.
But they don't have a commercial arena you can leave
boats at or anything. You got to dock them every
day or or drop them in the water every day.

Speaker 1 (27:19):
No, we're side story here, got nothing to do with
which ever he both loves. And you may know this
I this is this is decades ago. I was out
in Denver.

Speaker 3 (27:29):
Well.

Speaker 1 (27:30):
I flew into Denver to go to this little town
in Nebraska called og Laala. The people who made the
automation system we used in here in the studios. That's
where the guy was from, or as factory was, and
they sent us out there for training. And we flew
into Denver and all hopped in at a van heading

(27:51):
up the interstate to og Laala. To find out from
the van driver it was very informative that our destination,
og Laala, was already there for two reasons. Number one,
there were more cows than people. I mean, the steak
you ate, the steak I ate one night was walking
around that morning, probably, and they had a lake there.

(28:16):
People from Colorado would drive to Oka Lalla, Nebraska to
put their boats in because in the state of Colorado
it was illegal to put a boat with an engine
on it on a lake. Wow. Really yeah?

Speaker 4 (28:30):
Crazy?

Speaker 1 (28:31):
Right? Yeah, well, Colorado that's kind of a wacky place, man, a.

Speaker 4 (28:35):
Little bit, a little bit. But even California.

Speaker 1 (28:37):
Let's put it in California. Let you do that, I mean,
come on, So, yeah, I guess that's still the rule.
I don't know, it's this was a long time ago.
Maybe that's changed. But the point is is you got
all these locations all across the country that if you're
a member and you're going to be wherever that is,
with one hundred and fifty locations, you're going to find

(28:57):
one probably not too far away from your head.

Speaker 4 (28:59):
No, And we just had a member who uh shot
me at text and said, Hey, I'm going up to Chicago.

Speaker 1 (29:04):
I reserved the boat.

Speaker 4 (29:05):
At the at the club up there out of I
think Burnham Burnham Harbor or thirty first Street Harbor, one
of the two. Any clue of what we should or
shouldn't do, And I was able to actually say, yeah,
I'm real familiar with that body of water.

Speaker 1 (29:16):
That was your home, your home club.

Speaker 4 (29:17):
Yeah, don't don't take it to uh Navy Pier because
that's a train wreck that's worse than anything Lake Murray
can throw at you. And there's an area called the Playpen,
So if you're gonna drop anchor and and have a
frosty beverage, it's a great area to go to. And
he actually sent me a photo from his his trip
there of the Chicago sideline uh or a Chicago skyline

(29:39):
with him holding holding the beer saying thanks for the recommendation.
We're having a blast. So I love to see care
Free members getting out to other lakes. I personally love
to go to other lakes myself. I just went down
to Fernandina Beach, Florida.

Speaker 1 (29:53):
Yep.

Speaker 4 (29:53):
I had to go see a buddy of mine. We
had lunch and then afterwards I said, you want to
go hop on a boat and we literally spur of
the moment. I called the club there and said, hey,
I'm a member in Lake Murray. I didn't tell him
I was the owner, just a member in Lake Murray.
You guys got a boat sitting and we could take
out for a couple of Hooper and we just we
just went over there. Yeah, and I when I came back,
I let him know kind of who I was and
what I was doing and gave them, you know, a

(30:14):
lot of kudos because they got a great.

Speaker 1 (30:16):
Club there, terrific. Now in addition to the boats, you
have a lot of things happening at the Late Murray Resort.

Speaker 3 (30:22):
We do, we do.

Speaker 4 (30:24):
The Bucks pizza is doing really well. People are liking
their pizza. Thirsty Gators up and running and doing really well.
That's an outdoor kind of tiki bar, beach area. There's
a beach club there with some floats in the water.
People seem to be coming out a lot more than
previous years to enjoy that.

Speaker 1 (30:41):
Yeah, and you don't have any any cabling out there
made of you know, metal or whatever like they did
over at the election this side of the day. And
the struck by lightning a couple.

Speaker 4 (30:52):
Of week, Yeah, crazy knock on wood. We haven't had
any lightning strikes. We do watch the radar pretty regularly
and we make a point to tell members if it's
getting dangerous and you know or what to do. And
that's part of our training that we include, is to
tell people Hey, if you're out there and things get rough,
here's what you can do. Because we want members to
stay safe and want members they have a good time.

Speaker 1 (31:13):
Absolute what it's all about. So we're getting over the
hump now, Yep, this is really this is a good time.
Are as much fun as we have getting out there
in the summer, I know, for Anne and myself, one
of our favorite times it goes in the fall.

Speaker 4 (31:32):
It's ours as well, right, yeah, yeah, because we don't
always have to be in the water, so the water
temperature doesn't affect us that much. But it's just seeing
the different seasons on the lakes, seeing the different trees,
seeing you know, the different areas. I mean, this lake
is unbelievably big. We still after two and a half
years of driving around it regularly and I get out

(31:54):
on a boat at least four times a week. Probably
there's still areas I turn a corner and say, where
the heck am I And it's an area I've never seen,
a house I've never seen, or you know, this lake
good or bad is still developing. So there's new houses
going up left and right, and old mobile homes coming
down and all the fun stuff. So it's it is

(32:15):
a pretty cool area to take a look at, be
part of on all seasons.

Speaker 1 (32:20):
And for folks who have never voted before, this is
a This is a great way to get started.

Speaker 4 (32:24):
Absolutely. We get members, quite a few members who joined
because they just moved here. They're not familiar with the lake,
they don't know what type of boat they want to buy,
and it gives them a way to test the waters,
test the area, see if they're going to actually become
boating people or not. Way easier path of entry than

(32:44):
going out and getting a loan on an eighty thousand
dollars boat.

Speaker 1 (32:47):
Well imagine and then discovering you don't really enjoy.

Speaker 4 (32:49):
It exactly exactly, or discover that, oh, we bought a
center console where really we wanted to pontoon because we
find ourselves being pontooned people more so than bast boat
people or whatever the case might be.

Speaker 1 (33:02):
Right, right, all right, folks want to get signed up.
It's a one time initiation fee, correct, weird? The monthly
do is, of course, yes, But there's no recurring fee
year after year, right.

Speaker 4 (33:12):
There's not. There's no annual fee, there's no training fee,
there's no hidden fees. We keep it very simple. It's
three to ninety five a month. That's an all in
price for our full membership. That's not a water down membership.
We don't limit you on boats, we don't limit you
on days, we don't limit you on really anything. Three
to ninety five a month. And currently we're offering forty
percent off our initiation fee.

Speaker 1 (33:32):
Hoh still yep, yep. One.

Speaker 4 (33:34):
We're going to go to full price initiation fee as
of I believe July fifteenth, okay, And that's the point
of the year where I'm kind of not as aggressive
at trying to bring on new memberships. I've grown larger
than I planned on growing already. I bought more boats
than I thought I should buy this year already. And
I don't want to keep giving out a low initiation

(33:58):
fee to increase membership and have to buy more boats
towards the tail end of the season, right.

Speaker 1 (34:03):
Because you want to keep that boat to member ratio
low of course, is absolutely all right. Folks want to
get a hold of you and to talk about getting
signed up my friend, how do they reach her?

Speaker 4 (34:10):
They can go to carefreeboats dot com. They can email
me at Matt Matt at carefree Boats, or they can
give us a call at eight.

Speaker 1 (34:18):
Three to three four two six two eight four four.

Speaker 4 (34:21):
That's a three eight three three four.

Speaker 1 (34:23):
Vote four four all right, Matt, see you on a leg.

Speaker 3 (34:26):
Thank you, sir.

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(35:25):
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Speaker 2 (35:27):
Good morning, this is Larry Harris with Classic Systems. I'm
a certified mold 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

(35:49):
to clean the air in your home, particularly if you
have coughing, sneezing rashes on your body. This could be
because of mole that's in the air. Let us come
do air testing for you. The fee is only seventy
five dollars per sample and we can get the lab
report back the same day, so you know if you

(36:10):
have any airborne issues in your home. This is Larry
Harris with Classic Systems. Eight O three six two six
two seven four eight eight O three six two six
two seven four eight.

Speaker 1 (36:27):
And we're back on this July fourth weekend on the
Help and Wellness Show here on one O three point
five FM and five sixty a m WVOC. Thanks for
joining us and we hope your weekend is is going
going well. Larry Harris now joins us from Classic Systems,
taking some time out of his Independence Day weekend celebrations.

Speaker 2 (36:48):
Good morning, sir, Good morning. It's blessing to be here.

Speaker 1 (36:51):
Always good to see you. We were talking in the
break this up. We talked about a week or two
back about how much stuff we're breathing into our lungs.
But you were breaking you down into like over a
short period of time. You know, how much stuff that
we're sucking in here every day?

Speaker 2 (37:08):
You know. The American Lung Association says that we actually
breathe into our lungs every second twenty five hundred two
point five microns. That could be dust, it could be
mole it could be pollen, it could be fibers from
a carpet, it could be hair. There's all kinds of

(37:28):
things that we breathe into our lungs. And they state
that indoor air is worse than outdoor air. And we
actually breathe into our lungs every twenty four hours, two
hundred and twenty million two point five particles every day.

Speaker 1 (37:45):
Two hundred and twenty million a day. It's a lucky one.
Evens are allowed to talk about it.

Speaker 3 (37:51):
Well.

Speaker 2 (37:52):
The said thing is that a lot of people don't
realize that outdoor air is much better than indoor air
many many times because of what's inside. People don't realize
that brand new paneling has a glue in the paneling
that has formaldehyde in it and it off gases up
to ten years.

Speaker 1 (38:10):
That's the same thing with that new car smell, isn't it.
That's exactly right. It's the glue that they're using. It
gives that new car smell, and yes, it ain't good
for you.

Speaker 2 (38:18):
Well, you know a lot of things that we breathe in.
We don't realize what we're breathing. And so if we
can duplicate nature. And we've had people ask about ozone, Well,
I love the trivia question. Why is the sky blued? Well,
the reason for that is because the color of ozone
is blue. The FDA says a safe level of ozone

(38:39):
twenty four to seven is point five parts per million
of ozone. The EPA says point eight. Oshan says one
point oh, so we can only produce point zero four
parts per million of ozone that's better than outside air.
But Gary, have you ever noticed people when they hang

(39:00):
clothes on a clothesline years ago? And maybe shorts that
have elastic in it, or panties, anything that has elastic
in it. The ozone deteriorates elastic outside and you lose
the elasticity of the stretching mechanism. And that's because ozone

(39:21):
outside will deteriorate it. Interesting, So we have ozone that's
only zero point zero four parts from ozone, and it's
three atoms of pure oxygen. That's what ozone is. And
what happens is electricity splits a single atom of oxygen,
making two individual atoms. One of those joints with two

(39:44):
to become three, and it desperately wants to get rid
of that third atom, but it can only get rid
of it by attaching to dust or odors.

Speaker 1 (39:53):
So that's the science part of it, right, Okay, the
real world application for you and me and everybody listening,
and we're talking about using the systems that you guys
right putting homes of the pure air systems. So the
real world application for us, it's clean up that air absolutely.

Speaker 2 (40:13):
And see we've got a pure air fifty that's only
fifty dollars. We had a gentleman over off of Old
Cherokee that I let him try it. His wife had
gotten out of the hospital and had coughing spells. I
plugged it in their den in a bookcase so it
was elevated off the floor. That evening he called me
back and said, my wife hadn't coughed since that Pure

(40:35):
fifty has been in our den. He bought one for
all eight rooms in his house, and that was four
hundred dollars to treat the air in every room in
his home.

Speaker 1 (40:44):
You know, you not you bring that up. I got
to remember to do this because I got one of those.
I need to bring it in here because I get
here in the morning and I noticed a difference in
my breathing quality here in this studio versus anywhere else. Yeah,
there's something going on in this room. It's building. We're
right by the old folks who know this area have

(41:06):
been around for a while. The green hole is like
right behind our building back here on Greystone. Who knows
what's in that thing? Yeah?

Speaker 2 (41:13):
Amen, Amen, that's I.

Speaker 1 (41:15):
Got to bring that thing in here. Yeah, I got that.

Speaker 2 (41:18):
You know the interesting thing if you came in the
studio at five o'clock in the morning when it's still dark, well.

Speaker 1 (41:24):
I wish I could come in that lady four.

Speaker 2 (41:26):
O'clock and you shine a haligen light in here without
any of these lights on, it would look like a
dust storm because the particles that are floating in the
air you can't see from these lights. It's kind of
like when I do a mold inspection.

Speaker 1 (41:39):
I take a.

Speaker 2 (41:41):
Bright flashlight and shine it horizontally across the wall, and
you can see all the abnormalities that's on the sheet rock.
And you can't see it if you shine it directly
out of wall, but when you do it horizontally, you'd
be amazed at the abnormalities that you see in a
sheet rock wall.

Speaker 1 (42:01):
Yeah, we we probably don't want to see that, do we.
I mean, but there's nowhere you go you're not going
to say, see some of that. I mean, it just
depends on what level we're talking about here. It's a
real detriment to your heart.

Speaker 2 (42:14):
And the blessing that we offer is a little bit
of experience. We had a client that wanted us to
evaluate a home that were thinking about buying. So when
I went into the home, I took the this halogen light,
this real blight and it's a flashlight, but I'd shine
it horizontally across the wall and you can see the
vertical two by fours that are not square and plump

(42:38):
and they're bulging out, so you can see all kinds
of abnormalities. When you shine a bright light across horizontally
across the wall.

Speaker 1 (42:47):
Sound than the stud finder. Yeah, I have to remember
that next time I'm looking for a stud wall.

Speaker 2 (42:52):
Yeah, you don't have you just shine that light horizontally
and protrusion. It's gonna reveal it.

Speaker 4 (42:58):
Huh.

Speaker 1 (42:59):
They're always going to be some sort of a protrusion.
I mean to some level.

Speaker 2 (43:01):
I guess if they're plumbing square, you won't see anything
but a level wall. But then when you've got all theseities,
so they'll show up quickly. So that's one of the
things that we offer in air testing. And we did
this at one client's house over in Lexington and they
actually had elevated mole spores in the master bedroom and

(43:23):
so they got the Pure are fifty in their master
bedroom and got the Pure of three thousand for their home.
And some of these people that are so excited about
that impressed with the quality of that changing of the
air to make it clean and fresh. Light you and
your wife did in your bathroom with a litter box.
It got rid of all the others, and so the

(43:44):
pure Are fifty is a great little unit, a little
bigger than you had. The only maintenance on it is
you vacuum off the back of the machine where the
air comes in, or the little hole in the front.
Just if you see dust on it, just vacuum it off.
It's so easy to maintain, and it does up to
three hundred and twenty five square feet.

Speaker 1 (44:05):
Yeah, I hadn't really thought about this before, Larry, were
told Larry Harris from Classic Systems. You know, in the
old days, homes were built with well not like they
built them now with the master bathroom right there, with
the master bedroom the en suite. I guess yes they
call it. I'm gonna bet that's led to a lot
more issues in master bedrooms because now you've got all

(44:28):
the humidity and stuff from that master bathroom, the en suite,
you know, right there in the vicinity.

Speaker 2 (44:36):
Yes, and see a lot of the times you'll find
things that are in a room that can actually create
tonsins that become airborne. And we had one client over
in the Tri City area of West Columbia that we
did an air test in the master bedroom and we
had elevated mole spores, and this individual had mystery coughs

(45:01):
that all of a sudden showed up and she's coughing continually.
So after the air tests proved that there was an
elevated molespores, we put a pure air fifty in there.
Overnight she had no more coughs. And so if you
can clean the air, there's so many people said, well,
I've lived with it all my life. I'll continue to
live till I go home. Well, why why don't you

(45:23):
want to breathe clean, fresh air? And these filters. You
can go in any big box store and you can
see a product that says air purifier. If it has
a filter in it, it cannot purify the air because,
according to the American Society of Refrigerating, Heating, and air Conditioning,
a filter will only draw the air within three feet

(45:45):
circumference of that filter. If you light a candle in
the corner of the room, it'll never flicker. It does
not have the power to draw that air to the filter.
And a filter can become contaminated.

Speaker 1 (45:57):
Sure, and it's not really purifying anything. It's just a
little bit of air that's nearby into it. And trapping
the you know, some of the stuff out of it.
And then what happens to that stuff it traps, it
sits in that filter.

Speaker 2 (46:11):
It becomes contaminating.

Speaker 1 (46:13):
However, your system, if I got it right now, you're
you're actually kind of like pushing out this ozone right.

Speaker 2 (46:21):
And negative and positive ionization. Our product actually produces six
thousand negative ions per kibc centimeter to four thousand positive.
That's exactly what God does in a thunderstorm. That's what
lightning does.

Speaker 1 (46:34):
So when you push it out, what happens.

Speaker 2 (46:36):
It causes all particles to be negatively and positively charged
like a magnet. It clumps all the particles together, they
get heavy and settle out of the air. Then the
ozone will oxidize eighty percent of the dust off your
floor's tables, wherever the dust is, and the ionization goes
through every wall in your house sixty feet in any direction.

(46:59):
So if there's dust in your closet, under your bed,
and you so wherever the particles are and make them
clump together and settle out of the air.

Speaker 1 (47:06):
So it's two parts. The first part is clumping these
particles together, and I drop out of the air onto
the floor. Second part is the ozone kicks in gets
rid of eighty percent of that.

Speaker 2 (47:17):
It's correct. But there's a third part to the third part.
The third part is the pure of fifteen hundred and
three thousand. It has an ultra violent light, and that
ultra violent light, reacting with titanium dixide, creates a plasma
of airborne hydrogen peroxide, and peroxide steriolyzes surfaces.

Speaker 1 (47:38):
Wow, okay, so good luck atting an air filter to
do that, because it doesn't.

Speaker 2 (47:42):
Yeah, it won't do it. And see a lot of
people have heard my website try fresh air now, Try
fresh air noow dot com. And one person called me
up and said, well I tried the website try fresh
air and it went to a gaming site and I said, well,
that's not the website. It's try fresh air noow dot com.

(48:03):
So if you have to get all the words.

Speaker 1 (48:05):
Right you start talking games, try fresh air now dot com. There.

Speaker 2 (48:10):
Amen.

Speaker 1 (48:12):
Now it's really what you do is it's kind of
two parts, because you can go into a home or
a business. I guess maybe really the first thing you'll
want it if somebody's really having issues, I mean, the
first thing you want to do is you want to
to determine whether or not you got problems with mold,
right right, absolutely, So that's part of what you do

(48:34):
is mold, you track it down and mold remediation. Yes,
and then I mean if you don't take care of
that first, then you're kind of spitting in the wind,
aren't you. I mean, you got to take.

Speaker 2 (48:45):
Exactly You've got to identify what the fishes are. If
you've got issues, you need to know what they are.
We did a medical facility near Myrtle Beach that they
had In this medical building, they had twenty five offices
and we did air testing and all on twenty five
offices and even in a conference room where they had
the employees' conferences. They had airborne mole in every part

(49:08):
of that building and they hired me to do the
remediation and we did it. We actually have a product
called sandy Shield that has ten percent hydrogen proxide in it.
Ten percent hydroden proxide will kill mold spores on contact
and bacteria. It's been proven to do that, so we
identify what's going on in the air. If we do

(49:29):
air testing in the morning, we'll get the lab report
back the same day.

Speaker 1 (49:34):
Now, let's take a two thousand square foot home for example,
you go in, you do the testing in the morning,
get the results back that afternoon once you get in there,
then to start the remediation process. What kind of time
frame to looking at?

Speaker 3 (49:46):
Here?

Speaker 2 (49:46):
Larry Well, I did a condo over in East Columbia.
This lady had a condo that she was in and
she had elevated mold throughout it. I think it was
two bedrooms, a living room, and a kitchen. Wasn't a
large area, so we fogged the entire property and within
an hour after we completed the fogging, the area is clean.

(50:10):
Because see, hydrogen peroxide will leave an odor, but it'll
dissipate within an hour.

Speaker 1 (50:16):
So what stops that from coming back?

Speaker 4 (50:18):
Though?

Speaker 2 (50:18):
It depends on your environment. And see, every time we
open a door, we're letting outside air come into the home.
And see another thing people don't realize. If you have
a suit of clothes dry clean, you're supposed to take
that bag off and let the clothes air out outside
for at least an hour because you've got all those

(50:39):
chemicals in the dry cleaning process that'll off gas in
your home. And if you're coming to a building and
there's a bus coming by or a big diesel truck.
All those fumes can get into your clothes and you
can carry it right into your home. So there's a
lot of things that contaminate our clothing when we're outside,

(50:59):
and if we come in after being exposed, you're bringing
all that stuff inside.

Speaker 1 (51:04):
So when you go into a home and you remediate
that home from old office, whatever, is there a like
a maybe a follow up time when you're gonna want
to go back in and check again to see what
those levels are to make sure it's.

Speaker 2 (51:17):
If a client, if the client would like a post
testing after the remediation, we do that and that's available
and we can get the same lab report back the
same day to have a clearance, and so that's a
good that's a good project to do, is to have
post testing to prove that the house is clean or

(51:39):
the environment's clean.

Speaker 1 (51:40):
And maybe don't even really need that because once you
take care of that, you're going to notice a difference
right away.

Speaker 2 (51:45):
Absolutely you can tell the difference. With this hydrogen peroxide.
We use a cold air foger and it has a
miss kind of like when you're driving a car through fog.
It doesn't west your windshield. It just it's a miss.
So that's what this cold air mystery. Yes, it creates,
it sends out the sandy shield that has three percent.

(52:05):
It's an organ of sailine solution. It can't hurt you.
If you drank it. You might get diarrhea, but it's
not going to call your body. No.

Speaker 3 (52:12):
So it fought.

Speaker 2 (52:13):
We fog everything. We followed, the carpet, the drapes, everything
is in the house. We fought or an environment.

Speaker 1 (52:20):
So you will notice the difference absolutely that I suddenly
down the road you don't notice the difference anymore, then
it's time to give you a call back.

Speaker 2 (52:26):
And even this medical facility, after we completed the fogging
of all the offices, conference room and everything, they still
bought the pure fifties to go in. Some of these offices.

Speaker 1 (52:37):
Were be it right.

Speaker 2 (52:38):
Yeah, it's just maintains that it's an ounce of prevention, right.

Speaker 1 (52:41):
Yes, Larry Harris, Classic systems a lot of great information
always my friend. Now, if folks want to want to
get a hold of you, because how you come out
and do you do in demonstration with the pure air
system and how it works, and you even let folks.
Try for a couple of days.

Speaker 2 (52:56):
Yes, absolutely, the pure fifteen hundred or three thousand and
try three days. If you like it, you can buy it.
They can call me at a doh three six two
six two seven four eight, aight oh three six two
six two seven four eight.

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

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

Speaker 4 (53:51):
Contact me at Snell Law dot com.

Speaker 1 (53:53):
That's three l's spell law dot com The law office
of James Snell since two thousand and four with off
This is in Lexington and Columbia,