Health and Wellness Show 07-19-25

Episode Transcript

Speaker 1 (00:18):
Good morning, now time for the Health and Wellness Show
on one of three point five ft five sixty am WVOC.
I'm Gary David. If you're just joining me this morning,
thank you so much. We appreciate that. Coming up, we're
talking to Matthew Terry and John Farley from Preservation Specialist
Changes in the recently past one big beautiful bill and
how it affects you and your retirement mad lines will
drop by all the fun to be had on Lakebury

(00:39):
with carefree boat Clubs. We'll be discussing it. But the
first up, let's said, well, ye say good morning to
Larry Harris, the enter of Classic Systems here in Columbia. Larry,
good morning, my friend. How are you buddy?

Speaker 2 (00:50):
Good morning, I'm blessed and highly favorite.

Speaker 1 (00:52):
Good to have you here. Man. We're going to talk
about well, we're going to talk about air quality and
want to do it how you're company A Classic Systems
can help so many people to hats over the years,
help so many people with their air quality issues. But
first a little primer here and the things that are
in our air and the things that we are breathing

(01:13):
into our lungs each and every day, each and every hour,
each and every minute. It's really mind boggling. Larry, that's correct.

Speaker 2 (01:21):
Doctor Larry Arland at Wright State University did a Discovery
TV program and he says, and I quote, that each
adult takes twenty two thousand breasts every twenty four hours,
and we ingest into our lungs thirty two pounds of dirty,
polluted air. And some of the things that can be
in that air is pollen, lin dust. According to doctor

(01:45):
Larry Arland, one ounce of dust has forty two thousand
dust mites.

Speaker 1 (01:52):
Well, an ounce of dust.

Speaker 2 (01:54):
An ounce of dust has forty two thousand dust mites.
And dust mites are microscopic. And doctor Arlen had a
petri dish and he took a Q tip and put
the dust mites on his finger, and then he put
it under a microscope because you used to see the
little dust mites and dust smites are eight legs, so
their member of the.

Speaker 1 (02:13):
Spiderfilm little tiny legs. Yeah.

Speaker 2 (02:15):
Yeah, So a dust might leaves behind every twenty four
hours twelve droppings of proteins. I could have a reaction
to a set of those proteins of four or five
of those triggering feces, or you could have a different
reaction regardless, those are proteins in the fecal matter, and

(02:37):
that's the number one cause of allergies according to doctor
Larry arn in the world. So if we can get
all that junk out of the air or off our bed,
Doctor Arlen said that the average couple has up to
ten million dust mites in their bed.

Speaker 1 (02:51):
I was going to ask you what that number might be,
just based on how small they are and how many
there are, and just what's your bread in. So you
can get rid of that.

Speaker 2 (03:00):
Always taken my air pure of fire, put it at
the foot of the bed, take the comforter off, make
a tent with the top sheet, and have about an
eighteen inch ruler to make a tent, and then put
the air pure fire wide open on the foot of
the bed towards the pillows, and within within two hours
you've detoxified the entire mattress and got rid of all

(03:22):
the dust might fecal matter.

Speaker 1 (03:23):
So yeah, these are little living organisms.

Speaker 2 (03:26):
Yeah, yeah, dust might is microscopy. You can see it
under a microscope.

Speaker 1 (03:30):
So I know we've talked, you know, in the past
about how you know the pure air systems can knock
dust out of the air and then get rid of it.
How that happens, But it does the same thing for
dust mites, Yeah, a living organism.

Speaker 2 (03:43):
Yeah, if you get rid of their foods. See, they
feed off of the dead skin cells. And the human
body actually sheds four hundred thousand dead skin cells every minute.
And see the dead skin cells have faty tissue in it,
and that's what the dust mites feed off up. So
by using an air pure fire, not a filter because

(04:04):
our airpurefires duplicate sunlight and a thundersaw them get we
oxidize all that dead skin and the.

Speaker 1 (04:12):
Desks, so you get rid of the dust might well
if if you're having your cheerios right now, we apologize
for the gross stuff. Man, gross stuff. Interestingly, my wife
and I were watching I'd never seen it before, but
it was some show on the History Channel recently Henry Winkler,
the Fawn's hosts. Yeah, Hazardous History, I think was the

(04:35):
name of it. Well, one of the things they were
talking about. And this is not another to do with
what we're talking about here, but it just kind of
visually I've got this in my mind now, was back
around the turn of the century, before the advent of automobiles.
How places like New York City who used all these
horses for transportation, about how you know you got a horse,

(04:56):
you know what you wind up with right right? And
how it piled up. They had pictures this horse dung
just I mean, you know, three four or five feet
foot of horse dung piled up on the site of
absolutely and how incredibly horrible that was for the people
that were living there. From a health perspective, it is

(05:17):
a serious health effective. So you know, I'm seeing that
picture now in my mind, although it's not at all
related to what we're talking about, but that's kind of
the thing. There's stuff right we don't even know. Oh
absolutely all this stuff is in the air and in
your bed and everything else. You don't see it, so
it's out of sight, out of mind. But it's causing
some folks some.

Speaker 2 (05:35):
Real problems health issues. It's a major problem with health sisness.
And another thing that people don't realize is walking pneumonia
is airborne. And I tended a convention fifteen years ago
with about four hundred people in this amphitheater inside, and
I picked up the walking pneumonia virus because it's airborne.

(05:56):
And see, you never know what you're breathing into your lungs,
and that's why COVID was so rampant. But see, our
air purifier has actually been tested with TSARS COVID two.
I remember thet reduced it by ninety nine point eight
percent in less than five minutes. So if you can
duplicate fresh air outside and bring it inside, you're going

(06:19):
to breathe the cleanest, freshest air that you can do. Now.
The interesting thing about air gear, A lot of people
don't even think about this because we breathe automatically, that's
what God created. But when we're breathing, if we can
do without food for several weeks, you can do without

(06:39):
water for a long time. But you close your nose
and in five minutes you're out of this life. Air
is the most precious commodity that the human being.

Speaker 1 (06:48):
Has, and it's full of stuff that's right.

Speaker 2 (06:52):
And see a lot of people don't realize that there's
chemicals and dry cleaning material and it's the EPA has
said that you should take that bag off your dry
cleaning and hang it outside, let it off gas for
at least an hour, because if you don't, you let
all these chemicals off gas into your home.

Speaker 1 (07:09):
So there's working in one of those places. Huh yep, wow, wow,
Now it doesn't really matter. I mean, some of us
like to think, well, we're very fastidious, so we keep
a clean house. This is that it don't matter. I mean, really,
it doesn't matter whether you've got a house full of pets.
It's going to be worse. But still nobody's immune to

(07:31):
having these. There's no way to prevent this from happening
inside your home. There's just no way, right well on.

Speaker 2 (07:37):
The only solution to that is to duplicate fresh air
except for that, yes, even an air conditioning According to
the American Society of Refrigerating, Heating and air Conditioning Engineers,
as you raise acronym, they say, and I quote that
you're only going to draw about fifteen percent of the
air to that cold air return because you can't get

(07:58):
air out of the corner of a room dead airspace.
And if you came into your home at nine o'clock
at night, when it's pitch black, take a halogen lamp
or a real strip bright light and shine it across
your living room or down the hall, it looked like
a snowstorm. Because a dust storm. Brother, all those little
microscopic particles that are less than three microns won't settle

(08:21):
out of the air, so they're just floating there and
so you can't see it, but you're breathing it in.
So if you've got our air purefier that creates six
thousand negative ions per cubic centimeters four thousand positive, you're
going to make all the dust clump together, get heavy,
and settle out of the air. In your closet, under
your bed, under your sofa, wherever there's particles, we can

(08:44):
get them out of the air.

Speaker 1 (08:45):
I think that's the thing that confuses some folks. Now
you're talking about one unit, but you're talking about multiple rooms. Right.

Speaker 2 (08:51):
The pure air three thousand will actually do up to
three thousand square feet. And the ion antenna this in
that air purefower sends out a signal of the negative
positive ions through every wall in the home, so it'll
go sixty feet up down sideways in a circumference. So
we're getting all the particles out of the air.

Speaker 1 (09:11):
And then the.

Speaker 2 (09:11):
Ozone oxidizes eighty percent of the dust. Now, let's talk
about ozone for a minute. Ozone is what God created
in the sky, and that's why the sky is blue.
People don't realize the color of ozone is a blue collar.
And so if we can duplicate that, we're going to
oxidize eighty percent of the dust out of the environment.
And it kills bacteria and microbiles. So it's duplicating nature.

Speaker 1 (09:38):
Here's a weird question. I realized what we're talking about
is is the side product of you know, living organisms
like us, you know, dead skin cells and stuff. But
are there any positive benefits to things like dust? I mean,
is there any thing that if we were to come
up with a way to eliminate dust period, would we

(09:59):
have it? I don't know, some kind of environmental disaster
if we did that.

Speaker 2 (10:03):
Well, you've got to understand where the majority of dust
comes from. The human body actually sheds four hundred thousand
dead skin sells every minute, so we could be one
of the major causes. But every time you open.

Speaker 1 (10:16):
So we can offer human race, we get rid of
a lot of dust.

Speaker 2 (10:18):
Every time you open your door and you come into
your house, you're letting outside contaminants come in and see.

Speaker 1 (10:26):
No matter how you could vacuum every day, yeah, you
could dust every day, but they get no way to
stop it.

Speaker 2 (10:32):
Yeah, so if you've got one of these air pure fires,
even the little fifty dollars air pure fire that your
wife wanted for the master bedroom with.

Speaker 1 (10:42):
The litter box, and see, the litter bus.

Speaker 2 (10:44):
Has ammonia and the contaminants when cats urinate or pe
all over the place, and if you've got a dog
that's doing that in the house, you're leaving pollution from
all this bacteria that is in that accident that animals have.
And so if we can get that stuff out of
the air, you're going to be breathing cleaner, fresh, healthy air.

Speaker 1 (11:07):
So again it's the science still kind of baffles me
how it works. And just know this it works. But
as we've talked Larry, sometimes you've got to do more
than just to put one of the purifiers in because
you may have other problems going on right that need
to be taken care of.

Speaker 2 (11:26):
And we can test the air.

Speaker 1 (11:27):
We do that.

Speaker 2 (11:27):
We can come in and take ten two samples of air,
one inside, one outside. It only takes ten.

Speaker 1 (11:35):
Why do you do inside an ouncements?

Speaker 2 (11:36):
Whell you have to compare the inside air to outside.
If the air inside is worse than outside, then you
know you've got contamination in your home that costs headaches, fatigue, disorientation, mystery, costs,
all kinds of problems that airborne mobile will couse.

Speaker 1 (11:54):
Are there certain environments that lead to more problems than others?
I mean depending on Like we used to live a
not really a creep a very small kind of a
big stream behind the home that we lived in. It's
a very damp environment. We put stuff out of the
back porch that was supposed to be rustproof, not there.

(12:15):
It wasn't not for long. I mean, well, a really
damp sort of environment if your home is absolutely there.

Speaker 2 (12:20):
See, people don't realize that relative humidity is moisture in
the air. And if you get sixty percent relative humidity
airborne in your environment, mole will grow. And so when
we do, I've got a thermalhegrometer that actually gives me
the relative humidity readings and the temperature in an environment,

(12:41):
so I can tell pretty quickly if you've got an
airborne moisture problem.

Speaker 1 (12:47):
So anything above sixty is bad, right, it'll cause mold
to grow.

Speaker 2 (12:52):
And we don't always see that though, no you can't.
You can possibly feel it.

Speaker 1 (12:57):
It was black mold on a wall, you'd see that.
But you know, we see this right.

Speaker 2 (13:01):
The mold is like the rainbow. It can be every
color of the rainbow. And we found orange and green
and yellow molds and it's just amazing. Not all molds
that are black are toxic. But it depends. If you
don't test, you don't know what you've got.

Speaker 1 (13:18):
What is mold lariat? What is it in there that
makes it toxic to you?

Speaker 2 (13:21):
Well, mold is a fungal growth. And see on the
outside of the house in the Norman hemisphere, you will
find mildew and that there's not much difference in mildew
a mold because of both fungal growth. But on the
north side of your home you'll find this green fungal growth.
And that's because there's not enough sunlight to oxidize it.

Speaker 1 (13:43):
And get rid of it.

Speaker 2 (13:44):
Mold is a fungal growth that needs dust and moisture.
It's just got to have food and the moistua and
mole will growth. If we have sixteen percent moistia in
a surface.

Speaker 1 (13:56):
You're gonna have mold growth.

Speaker 2 (13:58):
And I can remember and my children were real small
and they take showers in the hall bathroom and there
was no exhaust fan in that bathroom. My wife would
find mildew and mold, actually mold growing on the window
sill because of all that high humidity from the hot,
steaming air.

Speaker 1 (14:16):
We were kids like mine. They are thirty minute shower.
What are you doing? Yeah, what are you doing?

Speaker 2 (14:21):
So see, that's another priority that people need to think about,
is if you have an older home that's built in
the in the fifties, sixties and seventies, and you don't
have an exhaust fan, that's priority. You got to evacuate
that hot, humid air.

Speaker 1 (14:34):
Yeah, I'm surprised at how many hotel rooms have exhaust
fans in them.

Speaker 2 (14:40):
Weeks ago and some of the programs on TV about
what you find in the motel rooms and contamination.

Speaker 1 (14:47):
And help me ask you this because we've done this before.
We've taken a little pure of fifty with us on
the road. Right. So let's say, you know, if I
were traveling, you know, this week or whatever, and going
to stay an hotel room somewhere and I take that
I plug it up, how long would need to wait
to feel, you know, like, okay, it's actually doing something

(15:07):
in this room.

Speaker 2 (15:08):
I've never misted in a matter of minutes, you can
tell the difference. Literally, I did that with the with
a friend of ours that you knew when you were flying,
and I plugged that Pure of fifty in the in
the kitchen and within a few minutes they could tell
the difference in the air quality. So it's like another
guy that listens to your broadcast regularly. He put the

(15:29):
Pierre Are fifty in his yacht. It's I don't know
how big it is, but one of the things with yachts,
you've got musky odors in them. And he said it
eradicated all the muskyodors in that yacht down in the enclosure.

Speaker 1 (15:43):
Next time you talk to him, tell them to invite
me out. He would love that, I'm sure. But we
can let you know.

Speaker 2 (15:51):
The Pure fifty is only fifty dollars, so that's a
no brainer. The larger machines, the pure are three thousand
or the pier of fifteen hundred, which is you and
your all that we don't let people try that for
three days. If they like it, right, if they don't
like it doesn't cost them anything.

Speaker 1 (16:07):
So you can test tripe it.

Speaker 2 (16:08):
Yeah, so if you if you want to look at
the products, you can go to my website. Try fresh
air now dot com and you have to have the
all the words try fresh air dot dot com. Try
fresh air now dot com. We have a medical UH
practitioner call me and wanted to know about ozone and

(16:30):
then he said he couldn't couldn't find the website. Well,
he didn't have the word now in there. So you've
got to have all the words from there to get
to the website and you can look at the products.

Speaker 1 (16:40):
Try fresh air now dot com. Right you bet you
all right, Larry. Always good to see you, my friend.

Speaker 2 (16:48):
Eight O three six two six two seven four eight
eight O three six two six two seven four eight
have a blessed day.

Speaker 1 (16:54):
Thank you. It's the Health and Wellness Show on what
O three point five FM and five svoc Hi.

Speaker 3 (17:02):
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Speaker 1 (17:07):
Here's what I mean. In retirement.

Speaker 3 (17:10):
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Speaker 1 (17:19):
You inflation proof it.

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(17:41):
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Speaker 1 (19:19):
Welcome back to the Health and Wellness Show on one
of three point five FMN five sixty a m w
v o C. And it's time for John Farley and
Matthew Terry from Preservation Specialists to jump into the free
Good morning guys, morning Gary, Hey, good morning y'all. Do
it good beautiful? Uh. Before we get into it, something

(19:40):
we wanted to mention. I know you've got you've got
an event coming up that we we want to you
want to.

Speaker 3 (19:46):
Invite everybody too, Yes, yes, Ed Slot people you may
know him whilst the Wall Street Journal calls him the
uh the IRA Guru, and he knows a lot about
taxes too, and so we're we're bringing him in to
talk to our clients and we're happy to invite you
to come as well. Client or not, client or not. Yeah,
and doesn't cost anything. It's just one of those things

(20:08):
we do usually annually where we bring someone in who
we think has something important to say, and all we
need you to do is let us know and we'll
get you on the list because we have a theater
that we've booked over at Harveston and it can hold
about four hundred and we just want to make sure
that we don't exceed the capacity. So we just need
to know you're coming. We'll put you on a list
and you're good to go. So yeah, eight oh three

(20:30):
nine retired. Just call us Preservation Specialist ED. Slot happens
on the fourth of September, six o'clock or September, and again,
happy to have you come.

Speaker 1 (20:39):
It's just service, you know.

Speaker 3 (20:40):
We do it for the families we work with, as
I say, on an annual basis. This will be the
first time with ED, but we've had other people.

Speaker 1 (20:47):
And Thenstigurette afterwards for showing the Wolves of Wall Street exactly.
We get some changes that have come down. I think
since maybe the last time we spoke. We gathered and
this is result of the uh, the one big beautiful
bill that Congress by the hair of the chinch engine

(21:10):
pasted and it has been signed into law. And there
was going into it. There was a lot of confusion.
You heard a lot of people, especially online, well, yeah,
this is gonna uh, this is going to mean that
they passed this. You know, social Security is not going
to be taxed. And you heard a lot of that talk.
And there's a lot of confusion, a lot of misleading information.

(21:30):
That part's not true, right, But there are some changes.
There are some changes, yes.

Speaker 3 (21:37):
So the story is this, there's there's a lot of
discussion around the will social Security not be taxed?

Speaker 1 (21:42):
And and and you know.

Speaker 3 (21:45):
The initial intent of social social Security was that it
would not be taxed, right and that and it was not.
But you know that you're going back now what thirty
forty years when Reagan and Tip O'Neil got together and said,
we got to do something because this thing is insolvent.

Speaker 1 (22:00):
So they started to tax it.

Speaker 3 (22:02):
And that was the first point at which it started
to get taxed, and it given its current circumstance. I
don't know too many people who think there's any way
that it'll ever not get taxed going forward, because remember
when Social Security started, there were way more people contributing
to it than taking from it. And as our demos
demographics have changed and people live longer, it's not solvent

(22:23):
in its current form, So taxing is one way to
keep it that way. So I don't see how that
would ever change. I don't you know.

Speaker 1 (22:30):
But even right now, I mean there are depending on
what you're bringing in your benefit, there are people who
aren't paying taxes. Right, that's right, that's true.

Speaker 5 (22:37):
Yeah, Security, Yeah, yeah, you're exactly right. You know, Social
Security it has its own little I'm going to say,
personal special section of the tax code because as John mentioned,
you know, when it originally started, it was not intended
to be taxed. But back in the eighties when they
began taxing it, really the only people that they applied

(22:59):
what all say, the taxable brackets too, were those that
were kind of the upper middle class or even you know,
upper class. And those tax brackets have never been adjusted
for inflation. So you think about over the course of
forty years here we are, you know, those brackets have
never changed. So that's why we're now getting to the
piece to where most and the majority of Americans are

(23:22):
are hitting that threshold and their social securities becoming tax
But that was not part of the bill that was passed.

Speaker 1 (23:29):
So what is happening? And it's not permanent, right, it's temporary.

Speaker 6 (23:34):
Yeah.

Speaker 5 (23:35):
So so there were there were a lot of i'm
gonna say changes with this bill that was passed, but
one of the temporary is what was called the Senior
Bonus deduction. So they claimed that this was kind of
the the push for maybe more Americans to not have
their full Social Security tax. So what this senior deduction

(23:57):
is is that someone if you're in income is below
seventy five thousand for a single filer or one hundred
and fifty four married filing jointly filer, you will qualify
for a six thousand dollars deduction per person. So obviously,
if you're single, you just get the six thousand dollars
deduction and that's going to help you not pay as

(24:18):
much taxes. So that's a that's a that's a good thing.
You know, they're trying to lower that that threshold to
help you out.

Speaker 1 (24:25):
Aroduction reduces your your gross income, that's correct, your taxable income,
your taxile income. Yep, yep, that's correct.

Speaker 5 (24:33):
So yeah, So so that was one of the biggest
provisions that I'm going to say is really going to
benefit retirees. You know, this year one of the other
changes that benefits everyone is the standard deduction received a
slight increase, So it's about a seven hundred and fifty
dollars increase for single or fifteen hundred for married filing joint.

(24:54):
But the point is that's something that we all qualify for.
By raising that standard deduction, that just means that a
little bit more of the money that you earned in
any given year you don't have to pay taxes on
up to that threshold.

Speaker 1 (25:08):
So but there's six thousand dollars deduction now that that
has depending on how much benefit you're getting and what
or the money got coming in for something of them,
that can make a pretty sizeable difference, I guess, right. Yeah.

Speaker 3 (25:22):
And the other thing to remember about that is, you know,
the term that is used is taxable income. So it's
always smart to be planning to as you get towards
retirement to have your taxable income go down. And remember
anything coming out of a roth or some other sources,
you can get it away from the taxable bucket so
that you qualify for these things, you know, think about

(25:43):
you know, we always talk about things like, you know,
how much how much income did a guy like Bill
Gates make last year? Well he didn't make any right,
it was all you know, investments and stuff like that.
So so the idea is there are ways to get
your money into buckets that are tax free so that
when these things happen historic they've only been they only
look at your taxable income. So as long as you

(26:03):
get your taxable income downright, you can qualify for these things. Yeah,
and and and it's worthwhile to work with you know,
we would say someone like us to get your to
do a plan to get you into that situation so
that going forward you would have your taxable income as
low as possible.

Speaker 1 (26:19):
Well, well, as you mentioned, let's talk about that. I mean,
what sort of options are I think the first thing
that comes to everybody's mind is a raw fi ra yep, yep.
That's a very good idea.

Speaker 3 (26:29):
And and you know, we talk about tax codes, and
you know that the discussion that we have is that
tax codes.

Speaker 1 (26:36):
Are permanent until someone comes along with an eraser.

Speaker 3 (26:39):
It's how it is right, I mean, I mean, if
you look at right now, our national debt is around
thirty four yeah, but yeah, so it's around it's around
ninety thousand dollars per citizen. M okay, right, I mean
it's crazy. So how do you think we're going to
have to make that up? It seems likely that someone's

(27:00):
going to have to come along with an eraser to
the tax code and say we need to tax more
at some point, right, I mean at some point. There
are two ways to do it. Spend lesser, tax more, right.
So that's why it's a good idea to plan to
get your stuff into things like roths. There are other
type of vehicles that you can get your money into
that also diversify you outside of just things like stocks,

(27:22):
that will also get you into tax free buckets. One
example is certain types of life insurance that you overfund
that have a dual purpose. They can provide life insurance,
but they can fund it you overfund it, yep. And
there are you know, certain ones that you don't want
to overfund because they tend not to give you benefit
and they tend to be expensive. But certain types of
life insurance that can give you real benefit because they

(27:42):
happen to be the cheapest in terms of the premiums
that you pay, so therefore more of your money gets
to overfund.

Speaker 1 (27:48):
Right.

Speaker 3 (27:48):
So anyway, so there are different strategies that you can
do to get yourself into a very low tax bracket
of quote taxable income because remember Uncle Sam does not
see anything coming out of a roth as taxble income.

Speaker 1 (28:01):
Yeah. On a side note, we're kind of early on.
We're ramping up the Gooba natorial campaign in South Carolina
for twenty twenty six, and it sounds like any Republican
hopeful worth their salt is talking about getting away of

(28:22):
just doing with income taxes here in South Carolina. Of course,
this was the last session. You know, they tried to
go with the flat tax thing until somebody put pen
to paper and said, wait a minute, people gonna want
to fan more on this thing. So then the discussion.
But we typically think about state like Florida as having
no state income tax. But I think what the like

(28:42):
ten states that have that, right, Mississippi's moving towards that.
So I suppose this, I don't know how you make up.
I think like forty seven percent of the money generated
by the state here is coming from state income taxes
then to find another way to get that. But if
that were to ever happen, and we'll hear a lot
about that over the next year or so because of
the governor race, I'm sure, but whether it actually happens
or not, but I mean, that's something that could change

(29:05):
the dynamic here for those of us south Yard. Although
I guess proportionally speaking, you're paying a lot more to
Uncle Sam than you are to Uncle Palm metalwork. But
but every little bit helps, I guess.

Speaker 5 (29:17):
Yeah, yeah, and and and one key thing I'll mention too.
You know, one benefit of being a South Carolina citizen
is your Social Security is not taxed. You don't have
to pay taxes to right, so so no state taxes there.
So you know that's a that's a big benefit whenever
you think about if you know, top brackets six percent,
I mean that's six percent you're saving, right, Yeah, it

(29:38):
can be a huge benefit.

Speaker 1 (29:39):
Yeah.

Speaker 3 (29:40):
And the idea is if they were, if you were
to eliminate state tax right, because when you do, there's
there's this thing called roth conversion, and I won't get
in the weeds on that, but in your roth conversion,
you have to pay tax as if it's income. Okay,
so if you eliminate the state part of that, then
now you're saving more money on these wroth conversions too.

Speaker 1 (29:57):
Good point. Yeah, So so it's it's a it's a.

Speaker 3 (30:01):
Now the flip side of that is you look at
a state like New Hampshire that also doesn't have state tax,
but the real estate tax is really high, right, so
they get out of somewhere, so you get Yeah, you
got to get it from somewhere.

Speaker 1 (30:12):
Yeah. Yeah, yeah, But you guys suggest I think we've
talked about this before. Correct me if I'm wrong. I mean,
I guess you could do it this way. You could
take everything you got one fell swoop, dump it into wrath,
take the hit, you know, feel the pain, yeah, and
then be done with it. Or you can strategically time
it out over a course of a number of years.

Speaker 3 (30:30):
Yes, most people have preferred the number of years. But
I one guy came close to pulling the trigger, but
it was he he would have had, you know, I
was like a four or five hundred thousand attack. I
just can't do it. I can't do it. I'm like, Okay,
I get it, but but we so we used it
sounds like you before it Yeah, I know, yeah, right,
but we used this software and in the software it's
it's it's pretty elaborate. It covers everything that goes into

(30:54):
someone's retirement. So we do these you know, comprehensive plan
for everybody. So you say, you know, you do these
inputs and you go through this. The software frequently wants
to do it all at once, you know, because from
a mathematical point of view, it's going to save you
the most because if you get there right away, boom,
now you're good and now you know your next twenty years,
you're a great shape. So but taking that tax hit

(31:16):
in the year in year one is is, yeah, it's tough.

Speaker 1 (31:23):
Something else that I just saw this past week, and
again I don't know if it'll come to pass or not,
but it has to do with something we've talked about
before here on the program, and that is, you know,
in your employer sponsored you know four one K plan,
you don't have access to you only you only have
access to public markets. Well, apparently now the president is

(31:44):
talking about making changes. I don't know what this would
involve to make it happen, but making changes to where
your employee sponsor for one k plan could be investing
in private markets and tell us what that is, number
one and how that might change the game.

Speaker 3 (31:58):
Well, you know, half of the US economy is created
the GDP is created from private companies, right, but we
don't have access to invest in them on the public
stock markets. So think about a company like QT or
Dunkin Donuts or Chick fil A or Enterprise Rent. These
are all private companies, right, and these are big companies
that are good, you know, solid, people know them, right.

(32:19):
The issue though with the private markets is liquidity. That
in a public market, you can get your money out
every day, the market is open by sell, buy, sell
by sell. In the private world, that doesn't happen that way. Now,
generally speaking, if you're in a private investment, it may
take you three months or six months to get out,
really yeah, And so that would be the that would
be the hurdle to try to overcome in this sort

(32:41):
of thing. How do you accommodate that, Because the advantage
to the private markets is they tend to be much
less volatile because you know, the people aren't reacting emotionally
to what's happening in the economy immediately, so you know,
the sky is falling.

Speaker 1 (32:55):
The sky is never going to fall.

Speaker 3 (32:56):
So you get these huge swings in the public markets
that are much less in the private market. You know,
they move around, but they don't move around anywhere near
as much as the public market. So that's one of
the real advantages to the private market. You have a
much more steady eddy approach over the long term, but
they're not as liquid, So there's a give and take.
And how would that work in a four oh one

(33:17):
K I don't know, but.

Speaker 1 (33:19):
Those are markets that you are able to get your
clients into.

Speaker 3 (33:22):
Yes, yeah, yeah, And again we do the trade off
because whose portfolio, whose investment strategy needs to be one
hundred percent liquid? Not very many people. So you can
do these trade offs where you can have more stability,
more long term growth in a portion of your investment
strategy as opposed to everything in the public markets.

Speaker 1 (33:41):
Right yeah, yep. Well, let's remind folks. The event is
if I recall correctly, September.

Speaker 3 (33:46):
Fourth September fourth six o'clock ed slot. And it doesn't
cost you anything. We just need to know you're coming.
Yeah yeah, so there's no cost.

Speaker 1 (33:54):
Just let us know.

Speaker 3 (33:55):
You can bring yourself in a friend and whoever you want.
But it's eight h three nine, retire again, preservation specialists.
Give us a call, let us know you're coming. Our
marketing person will put you on the list and you
will be good to go.

Speaker 1 (34:07):
Okoy, And while you're making that call to get signed up,
won't you make a call to get signed up and
sit down and talk to these guys.

Speaker 3 (34:13):
Yeah, that doesn't cost you anything, right, does not, No cost,
no obligation. So people ask, how does it work well
for us? What we do is we have a first,
generally two meetings. A first meeting is where we ask
you a lot of questions because we are for new shares,
we want to make sure we get your pulse. And
then in the second meeting, we give you a general
idea of what we would recommend and where you stand,

(34:33):
and give you an idea of where things are. All
no cost, no obligation. It doesn't cost you anything to
get a second opinion except some of your time.

Speaker 1 (34:41):
Okay. Yeah, guys. Always good to see you and we
hope you enjoy the rest of your weekend.

Speaker 6 (34:46):
Great, thanks Gerry.

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Speaker 2 (35:48):
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
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(36:30):
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Harris with Classic Systems eight O three six two six
two seven four eight eight O three six two six
two seven four.

Speaker 1 (36:42):
Eight Matt, good morning, sir, good morning.

Speaker 6 (36:48):
How you've been today?

Speaker 1 (36:49):
You don't, I like, got no place man, how about
you other than the weathers? But this is this is great,
This is this is great weather. If you want to
get out and get in the water, and you guys
can help folks do that out of Lake Murray. Kill
the boat glove, my friend. It is.

Speaker 6 (37:02):
It's a great time of year to take a boat,
go to a cove, jump in the water and just
forget about everything else for a good three or four hours.

Speaker 1 (37:10):
That's what we do.

Speaker 6 (37:11):
Man, that's what we do too. I find myself booking
a boat for me and my family every Saturday and
Sunday in the afternoon.

Speaker 1 (37:18):
We have we gonna got a book a boat for
you own. Like what thirty five of them?

Speaker 6 (37:22):
We do?

Speaker 1 (37:22):
We have?

Speaker 6 (37:23):
We it's actually I counted the other day finally it's
thirty seven plus four wave runners. But I'm a member
like anyone else, I just can't take boats. They're all
in the fleet, and I gotta make my reservation and everything.

Speaker 1 (37:35):
Else priority treatment or anything.

Speaker 6 (37:37):
Technically. I can go behind the scenes and I can
do things, but at the end of the day, no
I have I do have knowledge, Like we when we
do maintenance on boats and things like that, we make
them not visible because we need to pull them out
of the water, do the routine maintenance on them. And
I'm the first one to know when they're going back
in the fleet. So I do have a little bit
of yeah there, yeah, absolutely, But it's been it's been great.

(38:01):
I gotta tell you. The other thing is every weekend,
I'm gonna say probably there's about ten changes that happened
in the first between seven am and nine am every
Saturday and every Sunday, and what I mean by that
is we have we have a hotline now that only
members can use, and they send texts and calls and
basically say like, hey, I need to cancel today. Hey,

(38:23):
I forgot to include a lily pad. Hey I didn't
think about it, and I want to go out today.
So the first two hours of every weekend is just
me moving things around, making things happen. And it's really funny.
We had, uh it was last last weekend a week ago. Now,
we had a member who called and was like, I
forgot to do it. Reserve a boat. I really want one,
blah blah blah. I went this kind of boat out

(38:44):
of this location. And I'm like, yeah, it's Saturday and
you're calling me at eight am.

Speaker 1 (38:49):
And by the way, for the record, MAT's not talking about.

Speaker 6 (38:51):
Me, No, it was it was not you.

Speaker 1 (38:53):
It was not this time.

Speaker 6 (38:54):
It wasn't amazing, and to be honest, it was a
wonderful member. It's this is normal life, right, you know
what I mean. And so I basically I'm like, listen,
let me put you, let me put you on top
of the list, and I'll let you know, give me
an hour or two because things, you know, open up
and break out and da da da, And sure enough
I called them and I said, I just so you know,
you got the exact boat you want from the exact

(39:14):
location you wanted, the exact time you want. And you
know when when you called me nothing was available, you know,
or nothing out of that location. Yeah, it really was like, yeah,
by the way, you got on the plane and you
got first class.

Speaker 1 (39:26):
Yeah, right, I'm going to the destination you wanted to
go exactly. Yeah.

Speaker 6 (39:32):
It's kind of cool when things work out like that,
and they do more often than not.

Speaker 1 (39:37):
You know my experience. I mean, and again that has
to go to the fact that now, let's let's be
real here, Carefree Boat Clubs is a nationwide organization. Correct
location one hundred and fifty ish?

Speaker 6 (39:51):
Yeah, yeah, I never I don't keep track because it
changes quite a bit, but I mean they add to it.
We don't lose any I don't know if we've ever
really closed the club. We had to relocate when they
lose a lease and a marina.

Speaker 1 (40:03):
Or something like that.

Speaker 6 (40:04):
But it's a little over one fifty right now.

Speaker 1 (40:07):
So, but Carefree nationally, they've got a rule they impose
upon you and less it's changed last week talked about
it was your club cannot have more than ten members
per boats the average. You know, if you got one
hundred members, you got to have at least ten boats, correct,

(40:30):
So it's a ten to one boat to member to
boat ratio correct.

Speaker 6 (40:34):
Correct.

Speaker 1 (40:34):
But you from the get go have kept your ratio
at less than half.

Speaker 6 (40:40):
Of that correct. Currently, today, which is the peak of
the summer, we are four point seven members.

Speaker 1 (40:46):
Per boat, so a fewer than five per boat.

Speaker 6 (40:48):
Yes, and we rarely have we gone to five point something.
And that's usually like a boat went down or something
catastrophic happened and the fleet changed a little bit and
that was but or we signed up a bunch of
new members. I haven't gotten the new boats in in
May and things like that.

Speaker 1 (41:05):
But yeah, tell us how you do to keep that
member ratio, the boat ratio. You either got to you know,
tail members you're canceled, yes, or you go boy more
boats and you tend to go buy you go, just
go buy more boats.

Speaker 6 (41:18):
I do.

Speaker 1 (41:18):
We've talked about it before.

Speaker 6 (41:19):
I've got a problem and I'm willing to admit it
that I have a problem with buying boats.

Speaker 1 (41:25):
Well, you've been telling us that for like you know,
three years now, in this therapy session.

Speaker 6 (41:28):
We do every other Saturday, it hasn't helped at all.

Speaker 1 (41:30):
It hasn't helped. No, No, you're and find somebody news.

Speaker 6 (41:35):
I don't pay you like I pay my shrink. No,
it's it really is. But the fun thing is from
a business standpoint, you have to make those decisions. Sure,
and I made the decision that if people are going
to join, if they like what we're doing, and the
club's going to grow, then I need to buy boats.
That is better than limiting membership, limiting access and things

(41:57):
like that. Right, Like I my weird? Does it sounds
at my core? You know, I'm a guy who moved
here five whatever years ago, four years ago whatever it's
been now, and we moved down here primarily because of
Lake Murray. And the one thing I felt when I
moved down here is not enough people have access to
this lake to enjoy it. Right there's not For the

(42:19):
size of this lake, there's not near as many restaurants,
not near as many marinas, not near as many slips,
not near as other lakes of similar size. So at
my core, I'm like, I want to help more people
enjoy this lake safely. And have fun with their family
because growing up as a kid outside of Chicago, we

(42:40):
went to southern Wisconsin every weekend to a cottage on
Paddock Lake, and my best memories were spent with my
friends and family at that lake. And people nowadays are
busier than they've ever been with your kids in fourteen
sports and year round travel and all the other stuff
that goes with that. If you can squeeze out half

(43:02):
a day six weeks of the summer, just been with
your family on Lake Murray on any boat, whether it's
a friend's boat, a care free boat, your boat, whatever
it is, you should do that because that's those are
the things you're going to remember. In my opinion.

Speaker 1 (43:16):
Oh I could. I can't begin to tell you how
many times, because you know we we used to be
boat owners and when our kids were growing up, even
during the summer when when I would be here at work,
my wife would would take the boys and their friends
out on Lake Murray and you know they tube and
all that, and I mean they still tell those stories
to this very days. You know, you grow up that

(43:39):
way as part of your My oldest son right now,
he takes the boats out. He does about as much
as I do, Y you do, it gets it gets
in your blood.

Speaker 6 (43:50):
And your son is nicer than you, but not nicer
than your wife. Just so you know, your wife is
one of the maybe the nicest person on the planet.

Speaker 1 (43:58):
You weigh up on their coverage, that keep my coverage
on that one.

Speaker 6 (44:01):
Yeah, I'm pretty sure you made a deal with the devil.

Speaker 1 (44:03):
But good for you. Well it worked out. Let's talk
bad about Okay, the excuses. All right, I would never
join a boat club because and it starts with, well,
what we were just talking about that I'll.

Speaker 6 (44:18):
Never get a boat on Saturday. I'll never get a
boat on fourth of July. I'll never get a boat
when I want a boat, right, So, yeah, we show
members how you do get a boat, and it's the
member to boat ratio is the number one way you
show a member they're going to be able to get
a boat. The other thing is we have an online
reservation system that if you work within that system, which

(44:40):
only half our members do. The other half just wake
up in the morning in text and say I.

Speaker 1 (44:44):
Want to boat.

Speaker 6 (44:45):
Yeah exactly. But the ones that use the online reservation
system always get the boat they want on the day that.

Speaker 1 (44:50):
Well, we have done that before in the past, and
what holiday it was, but I mean months ahead. Yep,
we went on and reserved a boat for that specific holiday,
and we can.

Speaker 6 (45:02):
Yeah, we constantly do things that are a little different
as well. Like, for example, we'll have a member and
they choose to have family come in from out of
town and they rent a house on the lake that's
an airbnb, and they call us and they say, hey,
we got friends coming and da da da da dah.
And the system only allows this many reservations. Here's the
time it is. Can you help us get boats for

(45:22):
that whole time we're going to be on the lake
and we work with the member to figure it out
a solution in a way that doesn't hurt other members.
You know, we have one member and I'm not kidding
you when I say this. Her and her husband are great.
They're members of our North Side. Well they can take
boats out of every location, but they're close to the
North Side. They own a home with a dock. She

(45:43):
picks up a boat Sunday at two o'clock, takes it
to her dock, keeps it there till Thursday.

Speaker 1 (45:50):
Oh wow.

Speaker 6 (45:51):
Every week within the system, we had a member mingle
she sat with me, She's like, are you sure okay
that I'm doing this? And I'm like, you're not doing
anything wrong. She reserves a boat for Someday afternoon. We're
closed up there on Monday, so she didn't have to
do anything with it Tuesday afternoon, Wednesday afternoon, and Thursday afternoon,
and she knows if someone books the morning, which no
one's going to book the morning during the week, she

(46:11):
has to bring it back. But it's really it sits
at her dock, and then she usually flips to a
different boat on Friday and a different boat on Saturday.

Speaker 1 (46:20):
And they're living the drugs, living on a boat.

Speaker 6 (46:22):
It sounds like absolutely, it's kind of cool, like very cool. Yeah,
When when she first started doing I was kind of like,
is she abusing the system? And then I kind of
looked and dove into it. I'm like, no, she's working
within the system. What she does doesn't affect access by anyone,
you know, for anyone, And and they're getting everything you
would get out of owning a boat at a third
the cost, with a variety thrown.

Speaker 1 (46:45):
That's the others and that's the other reason why I'll
never join a boat club. It costs too much money.

Speaker 6 (46:51):
Not even near the truth. It is substantially less than
owning a boat. And I'm happy to sit with anyone
ever and go through the math. The only way it
is less expensive to own a boat is if you
go buy an old, crappy piece of junk.

Speaker 1 (47:06):
Or if somebody gives you one.

Speaker 6 (47:07):
Somebody gives you one and you keep it on a
trailer and you never use it. In that scenario, it
will be less money than owning a boat.

Speaker 1 (47:16):
And the last thing you said is key too. You
never use it.

Speaker 6 (47:18):
You never use it. You never use it, I mean,
and that doesn't take into account in all the hassle
you go through when you've got an old piece of
junk boat that sits on a trailer in your driveway,
in your yard with your hoa, and then you got
to bring it to the lake, and you got to
drop it in the water, and you got to figure
out where you're gonna park your trailer and where you're
gonna park your truck, and then you're gonna go out

(47:39):
and hope that it works because you hadn't really touched
it in the three months it's been sitting in your
yard with the squirrel living in it all that kind
of stuff. I mean, it's a it's a nightmare. So
could you be on the lake cheaper, Absolutely, but not
anywhere comparable. If you're gonna buy a real boat, let's
say one that's less than five years old, that's fairly

(48:00):
well maintained and a decent quality, a boat club will
still be less expensive.

Speaker 1 (48:05):
But Matt, I've got a slip. I can run a
slip at Lake Murray. You sure can.

Speaker 6 (48:08):
I got them for you. I got them for you
at Lake Murray Resort. I got them for you at
Fat Frog's Marina. They are three thousand dollars a year,
So you can break that down by twelve, because no
one really rents slips by the month unless they're going to.

Speaker 1 (48:20):
Well, I can tell you what, that's a good deal
because years ago I rented a slip it was more
than that.

Speaker 6 (48:24):
Well and yeah, some of my competitors I.

Speaker 1 (48:27):
Had to keep it for a whole year, whether I
was using it or not.

Speaker 6 (48:32):
The slips we rent out were competitive on the lake.
And they're three thousand dollars a year. And people will
call all the time and say, well, we really just
want to slip for June, July and August and I say, great.

Speaker 1 (48:42):
It's three thousand thousand dollars.

Speaker 6 (48:43):
Yeah, because we don't have that many. This is a
this is a lake where they limit the slips greatly.
We can't add more slips.

Speaker 1 (48:51):
And the point being that your monthly dues to be
part of the carefree boat Club is a lot more
than that.

Speaker 6 (48:58):
It's three you're basically playing about one hundred bucks more
a month, and for that you get the boat. Because
the boat you don't have a boat.

Speaker 1 (49:08):
You throw on the boat, the maintenance, you pay, the taxes,
you do it, all right.

Speaker 6 (49:12):
That's Anyone that says it's cheaper to buy a boat
and keep it in the slip is way off off
the reservation. Like, that's not even close to true. The
only way you can start trying to fight the thing
is by saying we're not going to pay to put
it on in a slip, We're going to keep it
on a trailer. Okay, fair enough, you'll save three hundred bucks,
but a boat club is still the third to cost
to own a boat on a trailer and launch it

(49:34):
every time.

Speaker 1 (49:35):
Right, So it is not just a money savings thing,
but a time savings.

Speaker 6 (49:40):
Well, yeah, and we talked about a little bit when
I say I want more people to enjoy the lake.
One of the reasons people don't go out on boats
is all the time that goes into getting your boat
on the water, getting your boat clean, getting your boat maintained,
getting all the hassles that goes in. It's a full
day if you own a boat on a trailer and
you want to go out, and you have to plan that,
and you have to schedule, and you have to think

(50:01):
about that, and you have to prepare for that. If
you're a member of a good boat club, it's as
little as calling or sending a text at noon and
being on the water in a boat and the time
it takes you to drive them.

Speaker 1 (50:13):
Marina, Well, this has been our experience. I mean, again,
we've owned boats. We've had three boats, and it was
never it never failed. What the boat was, or what
was going on in our lives and our careers and
our kids' lives or whatever. You you just find it.
I mean, it's it's so much preparation to get out there.
You're you're minimizing the amount of time you can spend

(50:35):
on the lake. You're maximizing the amount of time it
takes to get onto it off the lake. And so yeah,
we just found ourselves. Well, we got a nice boat
and it's just sitting there and you.

Speaker 6 (50:47):
Have an extra you have two hours to kill, you
have an hour to kill, whatever it might be. We
have members constantly and we've done that.

Speaker 1 (50:52):
We just pop out for you know, hour and a
half or so, and why not just like that? All right?
So you got you have three locations out on.

Speaker 6 (50:59):
Labor Fat Frogs Marina. You used to be afraid not
Lake Murray north side, Yep, Lake Murray Resort, which used
to be Spinner's Cove. And then our newest location is
at Lakeside Restaurant right on three seventy eight there, so
very close to our original location and it's Lakeside Restaurants
right there.

Speaker 1 (51:19):
And that that's the old Charlie Fisherman's War exactly.

Speaker 6 (51:22):
Yep, and that's become a favorite. We've got six boats
there and they go out regularly because it's a real
pretty a real pretty peninsula.

Speaker 1 (51:34):
Yeah.

Speaker 6 (51:34):
What's funny. We used to when we were over at
marina next door, we our members would have to go
past the entire marina at idle speed and that was
like ten minutes of like the worst boating ever when
it's one hundred and fifty degrees out. Now we don't
have to do that, and it's like, this is a yeah,
it really is kind of like like literally you hit

(51:54):
the new wig zone and our peers, our docks are
right there. There's nothing worse than when it's a undred
and fifty degrees out and you're traveling into idle speed
for ten minutes.

Speaker 1 (52:04):
Well, a little birdie told me that the next time,
at about a month or so, you've got more news
to share, some exciting things that are coming up. I'm
not going to try to draw that out of you
right now, but I'll just say we look forward to
hearing it.

Speaker 6 (52:16):
We are keeping it from everyone in the world, including
my wife, who may leave me because I'm not telling
her things.

Speaker 1 (52:22):
I'm kidding.

Speaker 6 (52:22):
She knows what's going on, but we're not telling members,
we're not telling staff. Hopefully within a week we will
let the team and the staff know. But some big,
big things are going to happen to Carefree Boat Club
on this off season that we've got in the works
to a point where two things that are a bit

(52:43):
of a game changer and in a really, really good way.

Speaker 1 (52:46):
It's a rific Yeah, we look forward learning more about it.

Speaker 6 (52:48):
Thank you, sir.

Speaker 1 (52:49):
All Right, folks, get signed up, get out there and
enjoy Lake Murray with Carefree Boat Clubs.

Speaker 6 (52:53):
What they need to do, Matt, just go to carefreeboats
dot com or they can reach us at eight three
three four, vote four to four or come see us
at any of our locations stop at any time.

Speaker 1 (53:04):
All right, Matt, we'll see you on wait.

Speaker 6 (53:07):
Thank you, sir.

Speaker 1 (53:10):
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